vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
XXXX MAIL ORDER VICTIM!! I purchased a dress online from a XXXX clothing website for {$49.00} using my paypal wallet. After waiting almost 2 months, I was the victim of a bait and switch scam where a merchant from XXXX sent me a cheap replacement ( underwear ) instead of the dress thar I had ordered. I complained directly to paypal based upon their Money Back Guarantee. The merchant, upon contact from paypal, stated that they would refund me the purchase price only if I ship the replacement back to XXXX. The shipping costs would require a further investment of more funds which is a " no win '' situation for me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-18 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: Sequium Asset Solutions, LLC
State: IL

Complaint narrative:
I had a debt with XXXX XXXX which was pass to Sequium Asset Solutions, which i settle for {$890.00} which to paid in XXXX payments i made the first payment and i receive a receipt right after the payment i made the second payment on the XX/XX/2021 as agreed upon i have not receive a receipt for payment i call back on XXXX and ask for my receipt of payment and a letter saying that the account was paid upon agreement i was told that i will receive them within 5 days I have not receive them as of today XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Elevate Recoveries, LLC
State: TN

Complaint narrative:
1.I have never had an account with this company ELEVATE RECO XXXX, REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are ELEVATE RECOVERIES LLC the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
My card was stolen in 2018. The thief withdrew and spent nearly {$1500.00}. Bank of America has footage of the theif withdrawing my funds at their atm but stated because the atm is one that I used before they will not process my claim. This is negligence considering it is more likely my card would have been stolen in an area near where I lived or I frequent so stating that the thief used an atm in an area I also used an atm at is is not a substantial reason to refuse to process my claim. Especially since they confirmed the person on camera at the atm withdrawing funds was not me

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 2021-11-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I made a purchase using my Capital One credit card ( card # XXXX ) on XX/XX/2021, for a handbag from XXXX XXXX online for {$870.00}. After received the product I did not like the quality of it therefore I decide to return it back to XXXX XXXX, I requested a return shipping label from XXXX XXXX  via email. I then followed the instruction packed the handbag and dropped it off at USPS on XX/XX/2021 to return the product back to ( XXXX  ), after patiently waited for over XXXX months ( XXXX  ) still have not refund me for the return. I reached out to ( XXXX  ) by phone for numerous of time for refund, I was promised for a refund each time when I called ( XXXX  ), but never receive any refund. I contacted Capital One on or around XX/XX/2021 for a dispute of the charge ( case # XXXX ), I have response to each of the dispute letter from the credit card company and provided all documents as needed. 
At the end the credit card company sent me a letter on XX/XX/2021 stayed that they are unable to help me due to lacks all the previously requested information, when I have provided all documents as requested. 
The return package was lost or stolen during the transit, I told Capital One that XXXX XXXX should file a claim with USPS through insurance. Since the return shipping label was not pay by me and I have no right to claim insurance, it is out of my hand. 
I have followed the return instruction from XXXX XXXX  thoroughly, provided all documents, but it was ruled out in the merchants favor and consider the case closed. I believe I should not be responsible for the lost or stolen of the return.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: EQUIFAX, INC.
State: TN

Complaint narrative:
i am victim identity theft. i was a part of the Equifax data breach and also had my identity stolen on a local level. do to these actions i have had choric amount of fraudulently opened credit cards, car loans, bank accounts and other open without my permission. i reach out to express this to Equifax and to no avail have they tried to rectify the bogus information appearing on my report with is causing me finical and mental anguish because its not allowing me to handle business to take care of my family

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am being harassed & having my Credit destroyed by a Collection Company for an Automotive Insurance Bill I DO NOT OWE, allegedly from XXXX XXXX XXXX XXXX. 

Considering 1 ) I DO NOT OWN an Automobile in MY NAME for several years now, & 2 ) I live in a DIFFERENT STATE than the alleged Account, & 3 ) I have NEVER had an Account with XXXX XXXX XXXX for Auto Insurance personally in MY NAME since I DO NOT OWN AN AUTO IN MY NAME, this is clearly NOT my Account & I should NOT have it on my Credit Records. 

I therefore pray to the CFPB for Resolution of this Matter, & all applicable Federal remedies/penalties against said Collection Company for continuing this FALSE reporting against me, despite several attempts on my part to resolve it which were ignored. 
I also reserve the Rights to Legal Action Against said Collection Company ( ie. lawsuits ) & State Attorney General Office Actions in my own State ( which is NOT the State in question ). 
I also grant permission for the CFPB to publish & utilize my Information to protect others from the illegal actions of XXXX XXXX XXXX & possibly their Client acting upon known defective information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: Coinbase, Inc.

Complaint narrative:
I have an account on www.coinbase.com where I trade with money and criptocurrencies. 

When creating the account, they verify my identity and I have been working without problems up to now. 

For about XXXX weeks, they have blocked my account because, according to them : " Right now your account is being reviewed and we need some time to verify your information. During this review, you will not be able to use Coinbase. Reviews usually take a few days. '' I have contacted them through their email support and they tell me to upload my identity documentation again and enter my personal data. I have uploaded it multiple times, both my driver 's license and my government identification card. 

They have closed the case but have not unlocked my account, so my account is blocked since it is always under review, so XXXX cant work with the platform and have my money blocked ( XXXX ). 

Coinbase case # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: CA

Complaint narrative:
Hello I have requested the bureaus provide me with proof that these are mine because they are not and they have yet to respond so I am moving forward with filing a complaint with the CFPB and if I am still ignored I will pursue legal action. I was a victim of identity theft I filed a police report with XXXX XXXX police dept back in 2015 which I am requesting a copy of this report from the police station. These accounts, addresses and inquiries are NOT MINE.

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 2021-11-18 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: CA

Complaint narrative:
Hello I have requested the bureaus provide me with proof that these are mine because they are not and they have yet to respond so I am moving forward with filing a complaint with the CFPB and if I am still ignored I will pursue legal action. I was a victim of identity theft I filed a police report with XXXX XXXX police dept back in 2015 which I am requesting a copy of this report from the police station. These accounts, addresses and inquiries are NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: CA

Complaint narrative:
Last several months, I have sent in complaints because Transunion is not removing this false bankruptcy. Yet they also have not provided any documentation proving that this bankruptcy record belongs to me. Fortunately, all complaints I have sent are here on file as proof of their negligence to remove this false bankruptcy.

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 2021-11-18 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: CBC Companies, Inc.
State: CA

Complaint narrative:
Last several months, I have sent in complaints because XXXX is not removing this false bankruptcy. Yet they also have not provided any documentation proving that this bankruptcy record belongs to me. Fortunately, all complaints I have sent are here on file as proof of their negligence to remove this false bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: LEXISNEXIS
State: CA

Complaint narrative:
Last several months, I have sent in complaints because XXXX is not removing this false bankruptcy. Yet they also have not provided any documentation proving that this bankruptcy record belongs to me. Fortunately, all complaints I have sent are here on file as proof of their negligence to remove this false bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I called Santander to settle a closed account that was closed in 2015 due to repossession. I called from a recorded line and have verification that the account was settled for {$1500.00} - I told them this was all the savings I have as my family is homeless and they took the payment and swore 7 times that this would be taken off my credit report - I disputed the information with XXXX - providing receipts and the dispute came back as accurate and it was dismissed despite my verification. I still cant get a home for my children and I because of this appearing on my credit report - despite me paying this company and having them swear on a recorded line it was settled and would be removed from my credit report I have audio documentation and receipts. Im writing this from the car we sleep in. I cant sleep from anxiety this is causing. I have XXXX young children Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Mercedes Benz Financial Services
State: NY

Complaint narrative:
On XXXX, XXXX 2021 I entered a Consumer Credit Transaction at XXXX the dealership located at : XXXX XXXX XXXX XXXX XXXX, NJ XXXX. I entered the credit transaction for a finance of a XXXX XXXX XXXX XXXX XXXX  XXXX number : XXXX. 

During the transaction XXXX XXXX XXXX and XXXX coerced me into making a cash downpayment of {$10000.00} which is a clear violation of 15 USC 1605 as there should be no cash involved in a consumer credit transaction. After that they unlawfully with no consent from me placed a lien on my property by lying to me.

After that I went home and realized I was violated as a federally protected consumer under the Truth In Lending Act, I decided to exercise my right to rescind pursuant to 15 USC 1635. I sent out my written notice to the dealership and XXXX XXXX because they were included in the transaction through XXXX without my consent . 

Once I Exercised my right to Rescind the necessary action to reflect the termination of the security interest created under this Consumer Credit transaction should have been made, but was not. 

The written notice was delivered to both corporations on XX/XX/2021 with tracking numbers : 1. XXXX 2. XXXX These two corporations have failed to stay in honor and compliance with the Truth In Lending Act by lying and creating a fraudulent loan when this was a Consumer credit transaction not a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: CA

Complaint narrative:
I do not believe I have gotten a fair and honest response to items on my credit report that are unknown to me. I have sent XXXX dispute letters to all bureaus in the last 120 days.

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 2021-11-18 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I placed an order for a special order item with XXXX XXXX XXXX. The advertisement and sales pitch of XXXX  has since been deleted. The merchant was an advertiser on XXXX. His account has been cancelled. 

The credit card company is refusing to. let me place a dispute on a fraudulent charge. 

The company is citibank. 

The seller has not even sent me a receipt for payment or acknowledgement. 


The cc company wants me to. wait 6 months. 

XXXX has suspended the sellers account

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 2021-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.

Complaint narrative:
My account has been under review for a month now. 
I gold my crypto in coinbase and they but my account under review without any reason. 
I sold my last BTC XXXX XXXX and after that i can't sell nothing. 
Yes i have small amont of money there but for me it is big. 
I sent them first complaint in XXXX. XXXX. They answerd a plain replay in XXXX and i answerd back. 
The last lether they sent me was XXXX. XXXX and they told that they will close case in 48 hours and fix the problem but they didnt. Today i sent a New complaint and got again a stamp answer. 
I Hope that you can help me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I do not believe I have gotten a fair and honest response to items on my credit report that are unknown to me. I have sent XXXX dispute letters to all bureaus in the last 120 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: CA

Complaint narrative:
I do not believe I have gotten a fair and honest response to items on my credit report that are unknown to me. I have sent XXXX dispute letters to all bureaus in the last 120 days.

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 2021-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/2017 XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX Balance Owed : {$3200.00}

Company response to consumer: Closed with explanation