vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
My computer was hacked while I was away from it, they accessed my CoinbasePro and Coinbase accounts and stole all my funds. Total deposits into my account was {$20000.00}, but the value at the time of this theft on XX/XX/XXXX was lower, roughly {$14000.00}. Below are the stolen coin amounts and the addresses they sent to : BTC : XXXX sent to XXXX ETH : XXXX sent to XXXX LTC : XXXX sent to XXXX BCH : XXXX sent to XXXX XRP : XXXX sent to XXXX BSV : XXXX sent to XXXX XTZ : XXXX sent to XXXX They also initiated a transfer of {$12000.00} from my bank checking account into my Coinbase account to attempt to steal that as well, but luckily I was able to call XXXX  XXXX XXXX and do a Stop Payment so the transfer didn't go through. They had to transfer all my funds on CoinbasePro into regular Coinbase to steal my funds without my phone. They accessed both my XXXX and XXXX email accounts, but likely deleted some emails from my Inbox and Trash folders. I tried getting with both XXXX and XXXX but they were unable to recover any lost emails. I do still have a couple emails they left behind for the XXXX, XXXX, and bank transfers, though I doubt those are useful. I still have the laptop, in basically the same state as after the hack, in case that's needed. I have yet to contact my XXXX  ( XXXX XXXX XXXX ) nor XXXX, as I've been waiting to hear back from Coinbase all this time. They've finally gotten back to me basically saying there's not much they can do, but will cooperate with any and all investigations. I can provide screenshots of the criminals ' activity on my machine as well as the actual laptop itself as I said, and I can also provide the full email string with Coinbase which has more details. My fiancee XXXX XXXX was with me that night while the hacking and theft was taking place. I filed Police Report Case # XXXX with my local XXXX XXXX, FL Police Department though I believe they closed it saying there wasn't much they could do. 

As I told Coinbase, thank you very much for your understanding and thorough investigation and attempt to get my funds back please. As you may imagine, I am severely traumatized by this, not just with Coinbase/Pro but in many other ways, as well as my family and friends. I am not some big rich person trading constantly, just a regular guy who bought and was holding as a long-term investment, trying to save to buy a house and for a wedding with my fiancee, I also need a car, and they just stole so much from me. It's embarrassing to sound so pathetic but I am begging for help. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
I don't understand how i can be charged atm fees or not be reimbursed the fees when i withdraw money. There is no Bank of America anywhere close to me. I dont see how its fair that i lose $ XXXX {$5.00} every time I need to withdraw money

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 2020-07-19 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CarMax, Inc.
State: LA

Complaint narrative:
I am a federally protected consumer and Carmax has violated me under the provisions of 15 USC 1692 and 15 USC 1681. Please review attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I need to be able to link my account with the XXXX app

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: AK

Complaint narrative:
I have sent two requests to verify/validate this debt that they never even made me aware that I had, They have refused to validate my request and is reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am sorry to keep filing complaints, it appears to be the only real method of reaching someone. 

In a previous complaint, TransUnion replied my dispute was still in process. It most certainly was not, seeing how I had to stop it so the banks response could up loaded to my account. My banks response, truncated, was no delinquency ever existed. My account had already been updated by the time they responded that my dispute was still in process. How is that possible. 

Here is my question/complaint : The statement posted on TransUnion stated I was delinquent. The amount I was delinquent by was {$0.00}. How css as n I be delinquent by nothing? Doesnt that mean I am not delinquent? 

Along with previous request of being given the last statement received by TransUnion from XXXX, I need a copy of the information XXXX XXXX  Sent that was used to generate the last statement of delinquency that TransUnion posted. 

I would also like an explanation from TransUnion as to how I can be delinquent with a balance due of {$0.00} I would like to know how the investigation was still in progress when the bank had already submitted its response and I stopped the 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 2020-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2020-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2020-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have  received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: NY

Complaint narrative:
On XX/XX/XXXX an agreement was reached with Jefferson Capital to settle a debt, for a XXXX account. They promised if i paid the amount agreed of {$160.00}, they would remove the XXXX account from my credit. In the course of a year, I contacted them several times and everytime they would say to send the credit companies the satisfactory letter except I would wait months and no letter. I kept contacting the credit agency and they kept referring me back to Jefferson Capital. This back and forth went on for a while. 

I recently contacted Jefferson Capital in XXXX of XXXX upset and got them to agree to send me the satisfactory letter electronically since a whole year had gone by and I never received it by mail. I sent it to all 3 credit agency as instructed but they still would not remove the XXXX account. 

I called back Jefferson Capital back and now they told me to send the letter to XXXX. For a whole year I have been bounced back and forth! 

Jefferson Capital were the ones who promised to remove the XXXX account from my credit report. 

I am requesting that they please honor their agreement and remove that account as they promised from my credit. I kept my end of the agreement and paid them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 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: NY

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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 2020-07-19 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: NY

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1.  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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 2020-07-19 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: NY

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1.  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 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: OH

Complaint narrative:
Experian is reporting inaccurately. I did not authorize the Inquiry of XXXX or US SM BUS ADMIN ODA. 

XXXX took place on XXXX US SM BUS ADMIN ODA Took place on 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 2020-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SIMM Associates, Inc.
State: OK

Complaint narrative:
Received another letter from SIMM Associates, Inc dated XX/XX/XXXX stating that I owed a balance of {$3400.00} on my XXXX account. I do NOT have a XXXX account. I have received previous letters in XXXX and contacted XXXX to report and they also confirmed there was no account under my SS #. I have received no other written/verbal/email communication about this supposed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I answered an ad for someone selling doberman puppies on XXXX on XX/XX/2020. I texted back and forth with the seller about the details about the puppies. The breeder said that the puppies will be only available in 8 weeks but he is taking deposits. He said that they will be available on XX/XX/2020. I asked him to call me which he did and we discussed the process of how the ears  will be cropped. He said that the puppies are {$1600.00} but if you pay in full early that the price drops to {$1300.00}. I asked him if I could pay him {$500.00} today and {$800.00} on the following Tuesday, he said yes but they only take payments through XXXX. I though that was not an issue since XXXX is promoted by my bank Wells Fargo and they have fraud protection. I asked the breeder for references and he said that he will send them to me shortly. I sent the breeder {$500.00} and still had not seen the references the seller told me they would send. The strange thing is the breeder had a XXXX VA area code and the ad was posted in XXXX Florida. A couple hours passed and I still did not get the references. Out of curiosity, I checked the XXXX ads in XXXX VA for doberman puppies and saw the same exact ad in XXXX VA with the same phone number. I texted the seller and still did not hear back from them. I realized that I was scammed and tried to file a dispute with my bank right away. I then found out that XXXX payments cant be disputed because I sent the money. How is this possible? Please help me get my {$500.00} back. How is there no fraud protection.

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 2020-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
Received another letter from XXXX XXXX, XXXX dated XX/XX/XXXX stating that I owed a balance of {$3400.00} on my PayPal account. I do NOT have a PayPal account. I have received previous letters in XXXX and contacted PayPal to report and they also confirmed there was no account under my SS #. I have received no other written/verbal/email communication about this supposed debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
I received a bill from a debt collector for a bill for XXXX XXXX XXXX hospital in the amount of {$100.00} and which had interest of {$15.00} added on from the debt collector CBB ( California Business Bureau Inc ). There is no bill due to XXXX XXXX Hospital because it was paid over 3yrs ago. CBB is threatening negative credit reporting if I don't pay them. I am not paying them money I don't owe.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a Home Depot Card account on XX/XX/XXXX to obtain " same as cash '' financing. I made my first payment on the due date, XX/XX/XXXX. But because the payment deadline was based on Eastern time and I made the payment at XXXX Pacific time, I was charged a late fee. By the time I figured this out, Citi charged me additional fees. I called Citi and they waived the XXXX fees on XX/XX/XXXX. On XX/XX/XXXX, I paid off my entire purchase amount. 

On XX/XX/XXXX I requested " Please cancel the late fee for my XXXX statement '' via Citi 's message center. On XXXX, Citi responded " A late fee adjustment will be credited to your account. It may take up to 2 billing cycles for the account credit to appear. '' However, Citi never provided the credit for the XXXX late fee and now refuses to do so, stating that they previously provided a credit for my XXXX fees.

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 monetary relief