vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CarMax, Inc.
State: FL

Complaint narrative:
I purchased a vehicle from CarMax in XX/XX/2021. I made every payment on time and paid 50 % towards the principal. I am currently working with a mortgage broker to purchase a home for my family because my lease is up on XX/XX/XXXX. However, CarMax hasn't reported to the credit bureau since XX/XX/2021 so my report shows that I still owe over {$13000.00} which is entirely inaccurate. I have contacted them three times to correct this and they still have not. I have another person on my account and their credit report was updated but mine is still inaccurate. This is preventing me from purchasing a home and if it isn't rectified immediately, my children and I will have nowhere to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I received a letter, on XX/XX/XXXX, from XXXX online banking ( XXXX XXXX XXXX, XXXX, NY XXXX ), that my account was closed on XX/XX/XXXX ( See attachment ) and the funds transferred to Citizens bank. I did not authorize the transfer nor was I given any advanced notice of the pending transfer. I was getting .XXXX  interest and, with Citizens, I only receive XXXX interest. When I attempted to close the account online, via a funds transfer, I received an error message stating that it could not be made because the transfer exceed the maximum amount. I then contacted Citizens ( Main office - XXXX XXXX Bank XXXX, XXXX, XXXX, RI XXXX - customer service t ( XXXX ) XXXX ( XXXX XXXX XXXX, Branch manager ) and was told that there is a transfer limit of {$10000.00} per day ... Or, if I did not want to make DAILY TRANSFERS of {$10000.00} until I reach a zero balance, OR I could go to a local branch ( A FOUR-hour drive ) to close the account. I explained that I did not open the account at their bank and, therefore, I did not agree to any of their limits on transfers. His answer : " Sorry for the inconvenience. You also can send a Notarized letter to the bank and ask to close the account which would take up to 10 days to process. We will then mail you a check as soon as your signature is verified. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
XX/XX/21 It all started on this date, with a deposit of {$490.00} and that {$490.00} became more than {$1500.00} from that moment they froze my account without letting me use my account and the worst thing is that I feel robbed by this company they have blocked me since that date without letting me use my funds, We are talking about thousands of dollars, I am desperate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Opened account with citibank for a promotion of XXXX if I maintain a XXXX balance for 60 days. Account opened on XX/XX/XXXX. Promotion stated make deposit within 7 days and maintain a XXXX balance for 60 days, get paid XXXX withing 30 days after meeting requirements. 
I called after 90 days in Late XXXX, they said it would be credited by End XXXX. 
I met requirements no bonus was paid, called back XX/XX/XXXX, they opened a case to look into it. Case # XXXX, never called me back. I called them XX/XX/XXXX, they said case resolved and I would not be paid bonus, because I had closed a previous account in XXXX of XXXX. 
This was never part of requirements on the web site when I setup account. 
This is Fraud, and if that were the problem they could have said that to me in XXXX, instead leading me on to keep my money tied up longer in their bank. 
I have cut checks to my other banks today to move funds, and will close this account as soon as funds hit my other bank.

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 2022-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: PA

Complaint narrative:
After I closed my account with chime due to poor technical support, they emailed me that they closed my account and i was no longer due a refund. I am entitled to all the money in my savings account plus the refund that Was confirmed with me through an employee prior to me closing my account. After they emailed me they would no longer let me speak to a live person over the phone. They constantly redirected me to their handbook, even when i replied to their response asking for more information, they did not reply. I had previously changed my direct deposit a few days before because i started to feel uneasy about the transparency with Chime, however after closing my account- the following Friday, to my dismay my direct deposit from my employer still went to chime bank. I emailed Chime and told them and they gave me an automated response saying that i was not eligible for a refund again and now I believe they they are not going to give me any money at all. I had asked my employer to try to reverse the funds as i did make the change before the falling out with Chime. In conclusion i am asking if CFPB could help me with getting my XXXX  dollar refund and my saving account money and direct deposit. Thank you for your time and consideration. Have a great day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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 — Was not notified of investigation status or results
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
My credit profile shows I owe XXXX {$450.00}. I contacted their best collection agency Converegnts to request proof of this debt because I don't owe anything. I also told them I am a current customer of XXXX, as I have been for years. There is no way I should have been granted service without paying an alleged " prior debt '' in total. 

On XX/XX/2021, I sent Convergent a Certified letter requesting proof of this debt. I received a few bills that state I owe for a DVR box that I never had, a returned modem, and a fee for terminating the contract early. When I returned the modem, XXXX did not provide me with a receipt from the local XXXX store. 

The agent at my local XXXX  store in zipcode XXXX claimed it was too long ago, and they have no record of my account information in their system. I sent another detailed certified letter to Convergent  dated XX/XX/2021. The letter requested that they again provide me the information I asked of them in the certified letter dated XX/XX/2021. 

I also request they provide the alleged proof of Service Contract Agreement I Authorized, XXXX XXXX Contract Terms/ Date, Unreturned Modem Serial Number/ Make/ model, Proof Modem Was Not Returned, XXXX Serial Number/ Make/ Model, Date XXXX Provided DVR and method XXXX etcetera. 

Today they still refuse to respond with the requested information. Why? Because it doesn't exist. The printed bill invoice only stating I owe for a DVR, modem, and early contract termination isn't sufficient. Billed invoices are not enough proof.

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 2022-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Citi has locked my account due to suspected fraud and they are unable to unlock the account because they can not verify my phone number. It is the same phone number I used to open the account and the only phone number I've ever had on file with them. I am waiting to receive a letter, which has not come. It is the number I am calling them on, and they can not recognize it. The account is fully paid, and I simply want to close it. They will not close the account. I've called them five times to try to resolve this and they will not escalate my case or utilize any other verification method.

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 2022-03-15 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
I spoke to a rep at GM Financial that was supposed to clear this up. I have been a customer for years, there was a banking error that I was unaware of. I have never been late on any of my leases and something happened with the payment not going through. It has since been paid and to my knowledge was not even late. Please review this as i have not been able to get back on the line with anyone at GM Financial to fight this again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: DE

Complaint narrative:
This lender overcharges me on the monthly interest. When I make my full payment they charged interest and they also charge interest on all subsequent payments made within the billing cycle. her is an example of the last month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-15 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/ 2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 non-monetary relief
Consumer complaint received 2022-03-15 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/ 2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 non-monetary relief
Consumer complaint received 2022-03-15 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
INCORRECT INFORMATION ON MY CREDIT REPORT. IVE FILED MY FTC REPORT AND 605 LETTER.

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 non-monetary relief
Consumer complaint received 2022-03-15 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
INCORRECT INFORMATION ON MY CREDIT REPORT. IVE FILED MY FTC REPORT AND 605 LETTER.

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 non-monetary relief
Consumer complaint received 2022-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
Hello, i purchased a online drop shipping course on XX/XX/2021. The company claims the info in the videos contains " sensitive material. '' However, the person who teaches the course, is also teaching it for free on XXXX. The person has multiple videos on his channel and even has a video titled " Complete XXXX  tutorial for beginners XXXX  '' Upon purchasing the course i only have watched the first video and realized the guy is teaching this for free on XXXX. So upon realizing this, i contacted the company for a refund and the customer service rep stated if someone has watched less than 20 % of the course they issue a refund and stated that i have watched 42 % of the course, which is not true. I can login in the website and all videos have a tracker of which ones i have watched. Only the XXXX one has been watched. Once the rep told me he won't issue a refund, i filed a dispute on XX/XX/2021 with my credit card company. Since then i have been laid off, contracted XXXX twice and XXXX XXXX and had to move because of job. By this time it was around XXXX and i realized i never got an email stating the resolution of my dispute. So i contacted my credit card company again and they filed a new dispute. After filing the dispute, i got an email stating my dispute has been cancelled because there is already a dispute pending. From what i understand, dispute must be resolved within 90 days, it obviously has been longer than that. I contacted the credit card company again and they filed a dispute again. I submitted the documents necessary proving my case, i will be attaching the same document here as well. After 2 months, i received an email stating my dispute has been denied because there isn't enough evidence. Which is surprising considering i have attached a lot of evidence regarding the matter. i contacted my credit card company again and asked them to provide me with documents that were used to make this decision and they emailed me the same email I received originally stating there isn't enough evidence. You would expect the company to ask for specific relating to the matter but no its just a vague sentence. I asked them i would like to appeal the decision and the credit card rep told me they don't do that and i would have to file a dispute again. From what i understand, according to the law i have a right to file an appeal but somehow they don't do that here. I will be attaching a document with more specifics in the below section which contains all the evidence proving my point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/ 2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I reviewed my credit report and it showed multiple errors. The errors included incorrect names, addresses, accounts, and inquires that weren't authorized by me. I submitted multiple letters on XX/XX/XXXX, a second letter in XXXX as well as another letter XX/XX/2022. I haven't received any updates and this is affecting my life majorly due to them constantly reporting incorrect and fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 non-monetary relief
Consumer complaint received 2022-03-15 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 non-monetary relief
Consumer complaint received 2022-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I sent Chase some documents. Waiting for the to dispute my debt with the instructions I wrote out. No response

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph

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