vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-22 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: CarMax, Inc.
State: IL

Complaint narrative:
The car was in an accident due to mechanical errors. I am out on XXXX because of this accident. CarMax took the car XX/XX/XXXX but is still reporting as if I have the car. I already voluntarily relinquished the car. Since they refused to fix it after I almost died in it. They have had the car for over a month and at are fraudulently reporting as if I have the car and not paying. The account was reported XXXX past due in XXXX now it's says XXXX past due and I don't even own it. They already sold it and they keep calling me every day harrasing me about the car when it's sold to someone else. I tried to pay them in XXXX for the car back if they corrected my credit report to say that it was not late or past due. Because it really wasn't if they fixed it so that I can drive. They are lying on me and it's distasteful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: MD

Complaint narrative:
This started in XXXX. I was notified by EOS CCA about an account opened with in XXXX, saying we had a past due amount of {$84.00}. The last name is wrong and so I called XXXX and was told I was never sent to collections, since the account was opened and closed within a few weeks, with no due balance. They no longer could give me any more information. I contacted all 3 credit bureaus and within 24 hours, the collections debt filed on my accounts were closed. In XXXX, I received another letter, I have enclosed. I contacted Maryland 's Attorney General and was connected to an Examiner XX/XX/XXXX. I can not find the response from EOS CCA, but I have reached out to the original Examiner for more help as well. They admitted they made a mistake and was going to be closing the account. As you can see, we received another noticed and the difference between the previous letters are the prefix account numbers. This is a scam to get money we never owed. Will they continue to harass me each year by simply changing the prefix account? I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: SC

Complaint narrative:
I finally paid off my last debt months back n none of the three credit bureaus will accept my paid in full receipt! I have been fighting their games for years n I am finally in a position to change my life, n the credit bureaus r holding me back by not allowing me the chance to become debt free! Made r tried to make complaints in the past, which r really useless when you receive the typical canned response to check a box n make me go away!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
An incorrect address has appeared on background checks that is inaccurate. It is very close, but incorrect nonetheless. 
Dates were from XX/XX/XXXX - XX/XX/XXXX. 
My correct address dates were from XX/XX/XXXX - XX/XX/XXXX. 
This doesn't have any amount of money attached to it that I know of. 
I attempted to change this the last time it came up during a background check for a teaching job and had been assured that the information was corrected. 
The company that returned the report is EXPERIAN but it seems the Social Security Administration also is in error.

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 2021-03-22 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: OH

Complaint narrative:
I came into the deanship for scheduled maintenance on XX/XX/21 and while waiting for my oil change. My daughter and I walked through the showroom as we always do to pass the time. We saw our sales guy ( XXXX ) and said hello. He came over and spoke to us and asked me had I seen the new XXXX XXXX. I said that I had not and asked if he had pictures. He said yes and shows me his phone. I asked him when they would be available and he said " soon ''. I said ok let me know and I'll come take a look. He leaves for a few minutes and comes back and said, " I think we have one in XXXX '' I said oh ok and he leaves again. XXXX had a few customers he was dealing with so I did not see him again before we left. My car was ready so we left because 1. we were only there for an oil change and 2. we had reservations at XXXX XXXX at XXXX that day ( we were celebrating my daughters birthday ). While we are at XXXX XXXX I get a call from XXXX saying " I was able to get it done, but I'll call you back '' I was like get what done? He was like the XXXX XXXX, I'll call you right back ; and hangs up. I was confused. As we are leaving XXXX XXXX I started getting a bunch of email notices that my credit had been pulled. I NEVER authorized XXXX or anyone else at XXXX XXXX XXXX to pull my credit, I was ONLY there to have my oil changed.

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 2021-03-22 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:
I have these inquiries on my credit report that I did not authorize I believe it to be fraudulent TransUnion XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX-XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from 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 explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CHARLES SCHWAB CORPORATION, THE
State: FL

Complaint narrative:
I have been attempting for over 4 months to close this account with charles Schwab and they are making it impossible to close and have the money returned to me. We have called and sent emails numerous times without any success. I am the XXXX  of an company and neither I nor my vice president nor my manager has had any success. As this account is not earning much interest, I want them penalized for the loss of the past 4 months whereby I could have reinvested the money the way I wanted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
on XX/XX/2020, my XXXX account was hacked and {$4000.00} was stolen from my bank of america checking account. i called bank of america immediately upon knowing to file a claim about my funds being stolen. i immediately deleted my XXXX account and stopped using my BOA account due to the fraud. they informed me recently to tell me that my claim was denied because of lack of evidence. my XXXX account was hacked and im being charged for my own money being stolen.

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 2021-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Citi Bank for the past year has charged my checking/Savings accounts a monthly fee when all accounts had a combined total that was higher than what Citi Bank stated for " FeeFree ''. Citi Bank did not return the money that they illegally took from my accounts.

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 2021-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ

Complaint narrative:
I spoke to a representative XXXX XXXX from penny mac. This is in regards to refinance of my current mortgage that I have with Pennymac. We began to speak in XXXX. I was directly stated that if there was no chance or poor possibility please dont waste my time. I handed him all my credentials and he assured me all will be good. I was then referred to another representative XXXX. My mortgage was on hold but when I spoke to XXXX after weeks of him not getting back to me he assured me again we were fine. I was never able to communicate with XXXX he didnt respond to my calls or my messages. He finally asked for more information that was requested. I sent it within 24 hours. He never communicated after that. I found out through a web page I was denied. After more than 2 months of assurance this was not supposed to happen. I was completely honest and there was no surprises at my end. This man was pulling me along and now rates have risen significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: CARD Corporation
State: VA

Complaint narrative:
XX/XX/2021 direct deposit was made to card.com, with XXXX XXXX  for XXXX. I requested a new card and change of address. They immediately changed address but requested proof of address 10 days later, thus new card was delayed even still now. Card.com requires 16 numbers of card which is closed account. Called Bank, they said if I want check call card.com support to send check. Received new card but someone ordered another card on their end. They don't have 2 request from me for cards, only one. No one disputed this. They made 2 mistakes which caused delays. One was not accepting the Virginia XXXX driving record with current address, and ordering another card. Now they say they can not activate new card because i have to wait for other card I didn't order, meanwhile I have new card no good to me and my money will lay dormant to me. When I called card.com supervisor AV, I'd # XXXX at XXXX on XX/XX/2021 said she couldn't help that I had to wait for other card. This is totally Incorrect and shouldn't be tolerated where it will clearly inconvenienced a consumer for minimum of 30 days in 8 days from today. XXXX XXXX ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I noticed that my check was not the usual amount that I usually get. So I contacted the payroll department and that's when I found out that I was being garnished. I got the information of MIDLAND FUNDING LLC and contacted them to find out why. I was told by the collection agency that I had opened a credit card account in XX/XX/XXXX. I have no recollection of doing such thing. I never liked credit card and I was using prepaid cards at the time. I was told The Final Judgment entered on XXXX XXXX, XXXX in the amount of {$17000.00}. Statutory interest accrues in accordance with Section 55.03, Florida Statutes, from the date of the Judgment until the Judgment is paid in full. An outstanding balance of {$28000.00}, plus statutory interest is still owed under the judgment. Therefore I am being garnished 25 % of my check every time I get paid by MIDLAND FUNDING LLC. I sincerely believe that this account was fraudulently opened on my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: GA

Complaint narrative:
This is not my accounts and inquiries. I want them to disappear forever. I have no idea how they appeared in my credit report but I want them to disappear as they are not mine. I am victim of identity theft and please help me. Please check who could use my personal information and apply serious investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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 — Other problem getting your report or credit score
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
Factual Data has pulled a hard inquiry on my credit file twice in XX/XX/2021. Factual Data can not access my XXXX  credit file after I have removed my security freeze. Factual Data is able to access XXXX, and XXXX  with no problems. 

I contacted XXXX directly and they have confirmed the security freeze for my credit file is temporarily lifted. Factual Data should be able to access my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: NC

Complaint narrative:
There is a XXXX  XXXX XXXX Credit card account which erroneously shows up on my credit report. It has nothing to do with me and I am not associated or authorized on this card. It was evidently opened in XX/XX/1999 in the names of XXXX XXXX and XXXX XXXX. There is a running balance of close to {$6000.00}. I have verified by phone with XXXX  XXXX XXXX that my name is not associated with this card - and I am NOT an authorized user. I have also verified this in writing with the card holder XXXX XXXX. 

Despite my having disputed this card account with Experian, I was not able to get an accurate/favorable resolution. Experian says that they cant do anything and it will stay on my credit report - even though I have never had this card and I am not associated with it in any way. 

Because of this, I was not able to qualify for the recent refinancing of my home. I spent six hours on the phone with Experian and XXXX  XXXX XXXX to resolve this, but Experian refuses to do anything. All of my credit card accounts have a zero balance or are paid in full monthly. This card with XXXX  XXXX XXXX has a high running tab - which evidently is used for XXXX XXXX College Expenses. 

Please help me get this taken off of my credit report. No other credit agency includes this card. It is an erroneous inclusion by EXPERIAN.

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 2021-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Unifin Inc.
State: PA

Complaint narrative:
I received a letter/notice from Unifin regarding a debt owed for {$810.00}. I did NOT have this kind of charge EVER! I am disputing this and will not pay it!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: CA

Complaint narrative:
There are 8 inquiries on my credit report that do not belong to me I have not inquired for any of these I need these off my report. 

Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX  Inquiry Date : XXXX XXXX, XXXX Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
There are 8 inquiries on my credit report that do not belong to me I have not inquired for any of these I need these off my report. 

Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX  XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
There is a Bank of America Credit card account which erroneously shows up on my credit report. It has nothing to do with me and I am not associated or authorized on this card. It was evidently opened in XX/XX/1999 in the names of XXXX XXXX and XXXX XXXX. There is a running balance of close to {$6000.00}. I have verified by phone with Bank of America that my name is not associated with this card - and I am NOT an authorized user. I have also verified this in writing with the card holder XXXX XXXX. 

Despite my having disputed this card account with XXXX, I was not able to get an accurate/favorable resolution. XXXX says that they cant do anything and it will stay on my credit report - even though I have never had this card and I am not associated with it in any way. 

Because of this, I was not able to qualify for the recent refinancing of my home. I spent six hours on the phone with XXXX  and Bank of America to resolve this, but XXXX  refuses to do anything. All of my credit card accounts have a XXXX  balance or are paid in full monthly. This card with Bank of America has a high running tab - which evidently is used for XXXX XXXX College Expenses. 

Please help me get this taken off of my credit report. No other credit agency includes this card. It is an erroneous inclusion by 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 2021-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I XXXX XXXX XXXX have been dealing with this debt collector for a few months now and they continue to violate the statutes I have listed below. 
15 US code 1681a # 4 - respect the consumers right to privacy, these companies have infringed my right to privacy after explaining to them that is not my debt they continue to update my credit report monthly.

15 US code 1692a- The term debt means any obligation or alleged obligation, i have explained to this company that this debt is not mine.

*15 USC 1692f- Communicating with a consumer regarding a debt by post card, post card in others words means to bring notice or attention to the public ( credit report ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Subject : Discrimination by America Express, refusing to remove more than XXXX XXXX XXXX adverse account information Dear Sir or Madam, Date : XX/XX/XXXX. 

Thank you for writing to me in response to my letter dated XX/XX/XXXX, stating that I should submit a complaint online. 

Here are some lines for your consideration and needful action. 

In XXXX, XXXX, I applied for an American Express Card and was denied. Ameican Express wrote a letter stating that because I was listed as an old unpaid account, they denied the credit card. 

Currently, I have excellent credit with a FICO score of more than XXXX and have open credit accounts with major banks and financial institutions, On XX/XX/XXXX, I called and spoke with a Manager at American Express and explained to him that about 24 years ago, in XXXX, we had a business that went under because of recession, unemployment and severe economic climate. We lost our business and as a result, many credit cards including American Express were unpaid. Manager told me to write a letter to them for consideration that I did. ( Copy enclosed ). 

Unfortunately, American Express wrote a letter dated XX/XX/XXXX, declining my request to reconsider. 

Therefore, please take necessary steps so that Ameican Express does not discriminate consumers like me for an old debt more than 20 years ago while other creditors have extended credit. 

If you have any Questions or suggestions, please feel free to contact me.

Thanking you, Yours Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation