vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
On XX/XX/2019 I had one late payment in my credit cards with Sears CBNA. Before that and until now I have always pay on time and I have been responsible. During that time I had a life changing situation that cost me a lot of money. After that I have always pay on time. This one late payment is affecting my credit score big time. Can you please consider removing this one late payment on my card? I Have always been a great customer and I will never pay late ever again. I am working on getting a new car and removing this late payment on my card will help me get approve. Thanks for your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CO

Complaint narrative:
I did a money transfer from my bank account to my cash app account for {$180.00} however I did not use the cash app card I tried to send {$180.00} dollars back to my bank account it was canceled for the transaction called cash app XXXX and spoke with XXXX from cash app he told me me to download two apps # 1 XXXX XXXX # 2 XXXX XXXX  so those apps can view everything on your phone in the interview process he told me to push in {$100.00} the XXXX XXXX dollars came from my bank account with him on the phone my bank Frud protection services called me and asked if Arthurise this transaction after I got off the phone with Mr. XXXX I told my bank no I didn't my bank closed my debit card I called cash app back after back and forth with saying that I was refunded and I made a cash app transaction to another account / I tried to tell them that how did the money get into my account and back to the cash app when my debit card was not working ) ) please look into this matter..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc.
State: WA

Complaint narrative:
Hi, I logged into my XXXX checking account today and noticed some pending charges that I didn't recognize. 

The first was listed as a pending debit card purchase to 'moneylionloanrepayme ' for an amount of {$1000.00}. 

There are three other pending debit card purchases to 'XXXX  repayment ' each for an amount of {$320.00}. 

I do not recognize these charges, these charges were not authorized, and I do not recognize or have I conducted business in any form with any of these companies that are relating to these charges. Any information, or charges that were accrued were not to my knowledge, and I did not authorize these charges, or consent to any personal information these companies may have obtained. 

I've filed a fraudulent charges complaint with XXXX and is currently under investigation. Additionally, I've deactivated the debit card that was used in these charges ( on XX/XX/2021 ) and have requested a new one. 

XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
Hi, This is for the Coinbase referral program where you can refer a person and as long as they buy {$100.00} in Bitcoin, Coinbase will give {$10.00} to both parties. 

I referred my spouse and she bought {$100.00} of BTC on XX/XX/2021. The total transaction was {$100.00} as {$2.00} was the Coinbase transaction fee. 

It has been 10 days and neither my or my spouse have received the {$10.00} in BTC. I reached out to Coinbase support and they said that their referral program is fully automated, please check their website XXXX XXXX  : XXXXXXXX  ) for their referral program rules and verify that all steps were done. 

I have completed all their requirements listed on their website and after reaching out to them, they kept repeating the same thing to me through email correspondence. At this time, there is no way for me to verify why I didn't receive the referral bonus and they refuse to provide any additional information about it. This is the same messaging I receive : " Our referral program is fully automated. Note that we are unable to manually review or credit any referrals that are not automatically paid out. We are unable to provide specific information as to why any referrals may have been deemed ineligible. 

A few of the more common reasons are that the account was created but not completed or verified, or that the account has not fully complete a purchase up to {$100.00} worth of digital currency. 

You can see more information on our referral program here : XXXX : XXXX '' I purchased the {$100.00} in bitcoin due to the referral bonus and based on the emails I've received, it seems like a giant scam & false advertising on how to receive {$10.00} in bitcoin  for both parties.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Morgan & Associates, P.C.
State: TX

Complaint narrative:
On XX/XX/2021 an associate of Morgan & Associates violated my rights numerous of times. I was called and told I owed a debt when I told her I don't owe the debt she told me I did repeatedly over an over ( 15 U.S. Code 1692b ). And when I told her I didn't give her permission to contact me ( 15 U.S. Code 1692c ( a ) ) and that she was a third party she told me her company works for XXXX XXXX XXXX the original creditor which is misleading representations. She also threaten to file suite with her company 's lawyers ( 15 U.S. Code 1692d ( 1 ) which will harm my reputation for a debt that I believe isn't mines. and when I repeatedly told her she was violating my rights she would cut me off and raise her voice in a rude manner ( 15 U.S. Code 1692d ( 2 ) and then she hung up in my face.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello, This is my second complaint regarding this matter. Initially the original report was filed with XXXX XXXX being the Primary Person in charge of the errors. However, the Credit Bureaus ( Specially Experian ) have REFUSED to do a thorough investigation and DELETE the late payments from my report. XXXX has been more cooperative, but we still don't this issue taken care of. I've also let the Bureaus know that they are reporting the wrong loan balance and that still hasn't been corrected either. I've enclosed a copy of that information as well. 

NONE OF THOSE LATE PAYMENTS ON MY CREDIT REPORT ARE ACCURATE. I've been paying them over {$500.00} on time every single month and they have continued to ruin my credit. THAT ISN'T RIGHT AND THEY NEED TO BE HELD ACCOUNTABLE IMMEDIATLEY. 

In the Meantime, My entire life has been on HOLD. I haven't been able to apply for new credit. I was initially denied the SBA Loan for my Business, Im also a XXXX XXXX XXXX XXXX that is required to have a trust worthy credit history in order to write policies with carriers for Insurance Clients. My health has also been affected, my XXXX XXXX won't come down and my anxiety is at an all-time high. My doctors are overly concerned about me and so am I. 

XXXX XXXX has confessed to making errors on my account verbally in addition to sending me a written email that also took accountability for the mistakes. i would like for Experian and XXXX to order the Tape Recordings of those calls. I have documents showing the dates and times for most of them. However, Ive disputed these items since XXXX of XXXX and here we are in XXXX of XXXX without a resolution. 

I'm not asking for any special treatment I just want my Credit Report to reflect the score and reputation that I've worked hard to obtain over the last 4 years. I've enclosed several documents for your review. 

BTW : Experian sent me a letter dated XXXX stating that they were NOT going to open another re-investigation for me but when they received the notification from your office, they did ANOTHER FAKE investigation that still didn't progress in a forward direction. I have enclosed a copy of the results page dated XXXX. It honestly does not make any sense and I am BEYOND frustrated right now.

I'm a Single Mother, Grandmother, Business Woman and Legacy Builder for my family. My Credit is important because it is the key that opens every door in our life. I have been patiently waiting for over 1 year to get this resolved and unfortunately none of these companies are willing to simply do the right thing. 

IMPORTANT NOTE : I HAVE SEVERAL OTHER DOCUMENTS IF NEEDED FOR YOUR REFERENCE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Assistance Inc
State: NY

Complaint narrative:
I am filing a second complaint on Financial assistance. They are trying to collect on a debt for XXXX XXXX XXXX. I have never conducted business with this credit union. They do not do any type of business in my area nor do I even qualify for there field of membership. First financial responded in previous complaint that XXXX XXXX has verified the debt on 2 different collections they are trying to collect on. One of them the account number is XXXX and the other is XXXX. I sent the credit bureaus a request to block the fraudulent information from my file pursuant to section 605B on the Fair Credit Reporting Act and they requested the credit bureaus to unblock the account duet to Material representation. I am attaching a few dispute letters I sent them Certified mail I also emailed copies to an employee or supervisor by the last name XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
Applied for a first home loan pre approval. Was systematically denied based upon insufficient funds.

Representative of BB & T, NooTRUIST, XXXX XXXX never contacted me personally with minimum requirements, never informed me of the banks minimum loan amount, never provided the maximum amount of approval based upon the information provided, failed to request further information prior to processing a credit check which adversely lowered my credit rating. 
Such a failure in a pre-approval process with a first-time-home-buyer proves critical financially discriminatory practice which dampens the application capacity, delaying the equity-building potential for first time buyers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I sent requests XX/XX/2021 CERTIFIED to Experian, XXXX and XXXX 1to investigate the negative accounts on my credit report and they have yet to respond. I have proof that they received my letter and did not complete the investigation in the time given by the FCRA. This is a blatant violation of my rights and I shouldn't have to continue to have a hard mark on my record because they didn't complete their investigation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PACIFIC PREMIER BANCORP, INC.
State: CA

Complaint narrative:
I have 3 checking accounts with Pacific Premiere Bank. One of the checking account number is XXXX XXXX XXXX. Check 619 ( attached ) was dated XX/XX/2021. XXXX XXXX XXXX and Pacific Premiere Bank processed that above check 619 on XXXX one day earlier - thus causing {$35.00} NSF fee at Pacific Premiere Bank. Check is a legal NEGOTIABLE INSTRUMENT negotiating on the exact date. Pacific Premiere Bank should have denied acceptance of the check 619 ( attached ) before the actual date XX/XX/2021. This is Pacific Premiere Bank 's willful error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
On XX/XX/2021 I was on a XXXX XXXX flight when I was given a promotion for a XXXX XXXX XXXX credit card issued by Barklay Bank.

I called Barklay Bank today, XX/XX/2021 to access this promotion. I was told I could not access that offer via telephone and that they were not offering the promotion online either. I received the brochure and there was no written application attached. I asked to speak to a Supervisor and was told no one was available. I believe this to be deceptive advertising. The agent at Barkclay Bank offered me a different promo with different benefits that were different from those listed on the brochure. 

I am attaching a copy of the brochure I received. 

XXXX XXXX XXXX XXXX. XXXX. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ZWICKER & ASSOCIATES
State: NJ

Complaint narrative:
Zwicker and Associates has called me over 20 times and starts out with a recording stating this is an attempt to collect a debt. They proceed to notify me the phone call is being taped. To my knowledge I do not owe any debt to anyone and pay all my bills on time. I am very careful with sharing personal information and have been the victim of fraud and phishing in the past. When I hold to speak with a person, I inform Zwicker that I do not consent to any phone call being taped. Especially from someone I don't know. I also inform Zwicker that I am not aware of any debt in my name that is under collection. Zwicker then informs me they can not proceed with the conversation unless it is taped. I ask them to either please call me on an unrecorded line or send a certified letter explaigning the debt, since I am not aware of any debt or collection in my name. Zwicker then tells me they are unable to do this and the conversation ends until they call me back. This has gone on for over 20 phone calls. Today I explained to Zwicker the phone calls have become harrassing and they are breaking the law. Zwicker takes the position that if I do not engage them on a taped call they have the authority to gain a judgment against me but they refuse to call on an unrecorded line or send me a certified letter describing the debt they are calling me about. They tell me the phone calls are not harassing and we get into a tit for tat. Then there is a hang up and an hour later they call me back. They are baiting me into a conversation and refusing to tell my about they debt they are calling about. They are very aggressive in tone. Honestly, the first time I requested a certified letter detailing the so called debt, the phone calls should stop. Or call me on an unrecorded line and I would be willing to discuss because I am unaware of any debt collection in my name. I told Zwicker I would file a complaint with CFPB, and they just laugh and say they are not harassing me. Then they call me back an hour later and start the cycle again. This is harassment and must stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
On XXXX XXXX I reached out to a company, Portfolio Recovery Associatess about a debt on my credit report in the amount of {$1900.00} they claimed to have purchased from XXXX XXXX. I was sent a letter recently stating that the account was opened around XXXX of XXXX and sold to Portfolio Recovery on XX/XX/XXXX. A representative I spoke with today stated they had the account since XX/XX/XXXX. I have two different credit card amounts giving from both companies and an address where I never resided at, they stated they have on record at the time the account was opened. I never had a major credit card that I owned and I explained that to Portfolio Recovery. I also explained that I filled out a fraud package with XXXX XXXX over five years ago and they removed it off my credit then later sold the account and the debt was put back on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Toyota Credit De Puerto Rico Corp.
State: PR

Complaint narrative:
On XXXX and XX/XX/2019 I had two late payment in my auto loan with toyota credit PR. Before that and until now I have always pay on time and I have been responsible. During that time I had a life changing situation that cost me a lot of money. Before and after that I have always pay on time. This two late payment is affecting my credit score big time. Can you please consider removing both late payment on my auto loan? I Have always been a great customer and I will never pay late ever again. I am working on getting another toyota for my son senior graduation and removing both late payments on my loan will help me get approve. Thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Disputed XXXX XXXX credit card account via credit bureau as fraud. Sent letters to XXXX XXXX asking for them to validate ownership of this account on two separate occasions with the last letter sent on XX/XX/2021 and both times XXXX XXXX failed to show proper documentation to show ownership of this account such as signed contract agreement of this account. When attempting to call XXXX XXXX on this situation they were not able to verify, find or pull up this account in their system. This account was placed with a third party debt collector and that account has since been removed from my credit report as this account was fraudulent and a result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Disputed XXXX XXXX credit card account via credit bureau as fraud. Sent letters to XXXX XXXX  asking for them to validate ownership of this account on two separate occasions with the last letter sent on XX/XX/2021 and both times XXXX XXXX failed to show proper documentation to show ownership of this account such as signed contract agreement of this account. When attempting to call XXXX XXXX on this situation they were not able to verify, find or pull up this account in their system. This account was placed with a third party debt collector and that account has since been removed from my credit report as this account was fraudulent and a result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Paypal closed my account for no reason they holding my money which I really need.And would not help me getting it back up and going Im not sure if this is a mistake as I assume it has to be I have not been able to get help from them for days calling holding hours on phone, This has greatly affected my business during this Covid time. I would really appreciate if you guys can help My email for PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have notified Transunion that I have an inquiry from XXXX XXXX pulled in XX/XX/2019 on my credit report that I do not recognize. I have reached out to the company XXXX XXXX to figure out why or how my information was received. They have nothing in their data base. Transunion continues to tell me to get a letter of deletion. XXXX XXXX is stating they can not give me a letter of deletion with nothing in their database. I will not provide information to a company that doesn't have my information just for a letter to be generated. Please remove this from my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation