vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-29 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: Exeter Finance, LLC.
State: DC

Complaint narrative:
I am very upset with this issue. I sent a letter to the Creditors and Collections agency regarding inaccurate accounts on my report. It is now XXXX days and I have not received a repsonse. I did my research and I am for sure that they have XXXX XXXXays to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: FL

Complaint narrative:
I'm nervous and shocked! My credit score is so bad! What happened to my account? I cant even sleep and eat! Someone hacked my personal information because otherwise I don't understand how I get these accounts on my name

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 2021-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc.
State: FL

Complaint narrative:
I found out someone went to CarMax auto finance and obtain a car in my name. i found out in XXXX 2018 i went to get a car from a dealership and they advised me of a current loan. i wrote police reports and followed all steps to get this off my credit report because it was not myself who went into CarMax and purchase a car. I was told by CarMax find out who did not our job and we will continue to update your credit with the information that they know has been falsified. so basically, CarMax knows that it is identify theft when i call i have been laughed, i have also been told get a lawyer and hung up on. i have also been told by CarMax find out who did it we may take it off. it's really sad. than i spoke to CarMax again and was told the person used my driver 's license so they will not take it off. so i told the investigator on my case he advised me that my driver 's license was ordered 3 different times threw dnv online and sent to 3 different addresses. he let me know the addresses i have never heard of. and CarMax auto finance  knows this is not my account i am a victim and still refuse to take off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: PA

Complaint narrative:
Hi This is XXXX XXXX, I have sent you a dispute letter XX/XX/2021, but to this day, over 2 months have passed but I still have not heard anything from you. I am attaching the same letter for you to see and you may wan na check your records. I need this messed to be removed from my report so please do investigate them and delete if you can not provide me proof the support those claims. I will check with you after 30 days, 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 non-monetary relief
Consumer complaint received 2021-11-29 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.
State: OR

Complaint narrative:
Coinbase closed my account without any sort of justification after I reported fraudulent transactions on their platform. 

For context, I was scammed into sending Bitcoin to a scam website called XXXX XXXX XXXX These transactions occurred via the Coinbase platform. 

I started investing about {$2200.00} in Bitcoin futures on XXXX XXXX XXXX in XX/XX/XXXX. This was transferred over to this fraudulent website through Coinbase ; I directly purchased Bitcoin from Coinbase to fund this investment. Each Bitcoin purchase on Coinbase came with transaction fees, which I estimate to be several thousand dollars. 

XXXX XXXX XXXX then charged me several fees to withdraw my money that amounted to over {$350000.00} that I purchased in Bitcoin through Coinbase. These fees are as follows : XX/XX/XXXX : A risk fee of XXXX % XX/XX/XXXX : A profit tax of XXXX % XX/XX/XXXX : A green channel fee of {$25000.00} XX/XX/XXXX : An exception fee of {$18000.00} XX/XX/XXXX : An XXXX XXXX XXXX XXXX XXXX fee of {$28000.00} XX/XX/XXXX : A handling fee for withdrawal of {$15000.00} XX/XX/XXXX : A XXXX XXXXXXXX  XXXX fee of {$25000.00} XX/XX/XXXX : A XXXX % profit tax, where they threatened to freeze my assets under a XXXX XXXX XXXX XX/XX/XXXX : A US Capital Gains Tax of $ XXXX  % XX/XX/XXXX : A processing fee of {$58000.00} XX/XX/XXXX : A late fee of {$74000.00}, where they threatened to freeze my assets XX/XX/XXXX : A high risk address deposit of {$100000.00} After paying all the fees, I was unable to withdraw my money. I then reported this fraudulent website to the authorities : XX/XX/XXXX : XXXX XXXX XXXX XXXX Sheriffs Department XX/XX/XXXX : XXXX XX/XX/XXXX : FTC via XXXX XX/XX/XXXX : Consumer Financial Protection Bureau XX/XX/XXXX XXXX  via Tips, Complaints, Referrals I reported the fraudulent transactions to Coinbase on XX/XX/XXXX. Coinbase, instead of cooperating and helping me to report the incidents to the authorities, froze my account making me unable to access any information. They then withdrew my remaining money into my XXXX account and closed my account on XX/XX/XXXX. 

This is completely unacceptable, as Coinbase was the platform in which I sent fraudulent transactions. Closing my account and refusing to cooperate with the relevant officials is not only suspicious, but also irresponsible as a digital wallet platform. Instead of being part of the solution for this fraud case, Coinbase has now become a roadblock to me recovering my stolen funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The inquiries that being reported were not authorized by me nor did anyone call to confirm the request for credit by me and I have a fraud alert on my file.

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 2021-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: PR

Complaint narrative:
This is a fraudulent account that was open. I am not responsible for this charges. I need that this collection company remove this from my credit report. I am submitting a copy of the Identity theft report that I submitted to the Federal Trade Commission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
Date of late payment : XX/XX/XXXX Amount : {$200.00} I have reached out to Credit Acceptance about my financial hardship of losing my job in XXXX of XXXX and they were not receptive to my request of giving an extension date on payment. I have been to the XXXX XXXX XXXX and have spent over two months in recovery all while trying to provide for my family. It has been a very hard situation for us not only involving my health but it is also extremely hard to get approved for anything from the bank now as well.

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 2021-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2021, I was at a grocery store attempting to pay for my groceries and my card kept declining. This was strange because I knew I had funds in the account. So I attempted to login to my online banking with Suntrust now Truist and it said my access was revoked and to contact customer service. So I called customer services & was advised my account was being closed. When I asked for the reason, I was advised that they can not provide a reason over the phone and that I would receive a letter in XXXX business days. Today is XX/XX/XXXX, XXXX I have contacted Suntrust every single day since XXXX XXXX and nobody has been able to assist me. I spoke to a customer service rep at XXXX on XXXX XXXX and they advised that my account closure process has been reset because I was charged {$3.00} for a paper statement fee? In the XXXX years I have banked with Suntrust, I have NEVER received a paper statement so why now??? Customer care left me on hold for over an hour just to hang up on me. So now its been an entire month and my account is not closed and they are holding {$33000.00} of my money and refusing to assist me. I have filed a complaint with the federal reserve and I will continue to take it as far as I need to.

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 2021-11-29 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: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last complaint, dated XXXX XXXXand I have not received any response up to this date. Besides, the inaccuracies about my inquiries are still on my reports. Therefore, Equifax failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continuously reported as unverified information on my Credit Report. Here are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXDate of Inquiry XX/XX/2020 XXXXDate of Inquiry XX/XX/2020 XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX-Date of Inquiry XXXX XXXXXXXX XXXX  XXXXXXXX XXXXDate of Inquiry XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Transunion. Despite sending them the last complaint, dated XXXX XXXXand I have not received any response up to this date. Besides, the inaccuracies about my inquiries are still on my reports. Therefore, Transunion failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continuously reported as unverified information on my Credit Report. Here are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX XXXXXXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX XXXX XXXX of XXXX XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date XXXX XXXX XX/XX/XXXX XXXX-Date of Inquiry XXXX XXXX, XXXX XXXX-Date of Inquiry XXXX XXXX, XXXX XXXX XXXX-Date of Inquiry XXXX XXXX, XXXX XXXX XXXX-Date of Inquiry XX/XX/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 non-monetary relief
Consumer complaint received 2021-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
on XX/XX/XXXX I made a complaint against Capital One for XXXX credit cards that I do not owe. I asked for validation and also sent an Affidavit of Truth and Cease and Desist. In the Affidavit of Truth I pointed out multiple violations Capital One has made against me in which they are Criminally responsible. I included an invoice for {$10000.00} for the violation of these federally protected laws. Capital One failed to respond to my Affidavit with an Affidavit. An Affidavit un-rebutted stands as truth. Allegations in affidavit in support of motion must be considered as true in absence of counter-affidavit. XXXX XXXX v XXXX, 108 F. Supp. 327 Federal case of XXXX v XXXX, XXXX XXXX XXXX. XXXX ]. Also see ; affidavit uncontested unrebutted unanswered [ United States v. XXXX, 658 F.2d 526, 536 ( 7th Cir. 1981 ) ; Cert. Denied, 50 U.S. L. W. 2169 ; S. Ct. XX/XX/XXXX XXXX ]. Capital One has failed to rebut my Affidavit and therefore has Defaulted. I have sent Capital One a Notice of Default and Opportunity to Cure on XX/XX/XXXX. In this complaint I will attach original correspondence as well as Capital One 's response, and my reply to their response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One is reporting late as reported in my XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. REMOVE ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I have a credit card with TD Bank, and periodically they send me balance transfer checks. I called TD Bank today to opt out of receiving these ( for the XXXX time ), and they said that they had " turned off '' the sending of these checks for my account in XXXXXXXX XXXX ( after I had called about this issue back then ), and that there was nothing more they could do. I have continued to receive these checks every few months since XXXXXXXX XXXX, most recently as about a week ago. They did not provide me a reason why I am forced to continue receiving these checks. Were they to get into the wrong hands, I could be at financial risk.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-29 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 — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One - $ XXXX XXXX  XXXX XXXX XXXXXXXX XXXX in XXXX XX/XX/XXXX, original charge for concert at XXXX XXXX XXXX XXXX XXXX concert postponed, requested refund through XXXX XXXX- who tickets were purchased through XXXX XXXX No refund, disputed charge with XXXX XXXX They gave a temp credit XXXX XXXX XXXX XXXX reversed credit and rebilled stating that XXXX XXXX said it is a valid charge, same time XXXX XXXX also recharged me {$640.00}. XXXX and also credited me $ XXXX Still leaving the original charge from XXXX  on my credit card. 
Contacted both companies, with no resolve. XXXX XXXX stated it is a XXXX issue and XXXX said they already credited us- which is true but then rebilled us the same exact date, leaving a charge of XXXX from XXXX. 
XX/XX/XXXX since we had no resolve we said we will just go to the concert XXXX XXXX concert postponed again, refilled for a new refund. 
XXXX XXXX XXXX denied our refund stating we were already issued XXXX. 
XXXX XXXX Contacted XXXX XXXX again to dispute charge- They refuse to dispute charge stating they have already done everything they can do and the merchant needs to refund us. 
XXXX XXXXXXXX tried to contact XXXX stadium again- no response. 
I am here as I have exhausted all other options to get my XXXX back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Received a loan through XXXX XXXX XX/XX/XXXX for {$36000.00}. When I initially got the loan, there was a glitch in the system during my first payment month. I was assured the payment was received and I owed nothing until my second payment rolled around. Then, I was informed the payment did not go through and I would need to pay. So they worked out a deal, which ended up hurting me in the long run. They basically tacked the late payment to the end of my loan but on paper it looked as if I was always paying a month behind. I was laid off XXXX while having this loan in XXXX and XXXX for a total of XXXX months. I called and tried to make arrangements with XXXX but the month behind quickly became a problem for me. All the delinquencies on my account are from that timeframe where I was out of work.I wrote the companies XXXX. I was forwarded to XXXX XXXX. She was still not able to get the delinquencies updated although my loan is paid in full. This loan is still negatively impacting my score and I have tried everything to get this corrected.

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 2021-11-30 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: TX

Complaint narrative:
Received a loan through XXXX XXXX XX/XX/XXXX for {$36000.00}. When I initially got the loan, there was a glitch in the system during my first payment month. I was assured the payment was received and I owed nothing until my second payment rolled around. Then, I was informed the payment did not go through and I would need to pay. So they worked out a deal, which ended up hurting me in the long run. They basically tacked the late payment to the end of my loan but on paper it looked as if I was always paying a month behind. I was laid off XXXX while having this loan in XXXX and XXXX for a total of XXXX months. I called and tried to make arrangements with XXXX but the month behind quickly became a problem for me. All the delinquencies on my account are from that timeframe where I was out of work.I wrote the companies XXXX. I was forwarded to XXXX XXXX. She was still not able to get the delinquencies updated although my loan is paid in full. This loan is still negatively impacting my score and I have tried everything to get this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: TX

Complaint narrative:
Received a loan through XXXX XXXX XX/XX/XXXX for {$36000.00}. When I initially got the loan, there was a glitch in the system during my XXXX payment month. I was assured the payment was received and I owed nothing until my XXXX  payment rolled around. Then, I was informed the payment did not go through and I would need to pay. So they worked out a deal, which ended up hurting me in the long run. They basically tacked the late payment to the end of my loan but on paper it looked as if I was always paying a month behind. I was laid off twice while having this loan in XXXX and XXXX for a total of XXXX months. I called and tried to make arrangements with XXXX but the month behind quickly became a problem for me. All the delinquencies on my account are from that timeframe where I was out of work.I wrote the companies XXXX. I was forwarded to XXXX XXXX. She was still not able to get the delinquencies updated although my loan is paid in full. This loan is still negatively impacting my score and I have tried everything to get this corrected.

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 2021-11-29 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. REMOVE ASAP

Company response to consumer: Closed with explanation