vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-23 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CarMax, Inc.
State: FL

Complaint narrative:
This complaint is regarding Carmax and a GAP insurance regarding an automobile which was supposedly traded in for another and resulted in theft and fraud against my person. 
The issue revolves around a XXXX XXXX XXXX, which was traded at XXXX XXXX XXXX XXXX XXXX and which was subsequently stolen by the company after they never made payments. The XXXX I had had an extensive GAP insurance which I paid into without any problem or late history and which was intact when the car was traded into what i believed was a legitimate company. When I was defrauded by XXXX XXXX XXXX XXXX XXXX, I immediately contacted anyone who would help me, including an Attorney by the name of XXXX XXXX XXXX. Who I contracted to help me get XXXX XXXX XXXX XXXX XXXX to comply with my requests, to no avail. 
During this time Carmax has reported the car as a repo/default on my consumer credit files and refuses to look into this matter. Numerous disputes have gone nowhere. 

I have and am including the contract from Carmax and the GAP insurance with specificity to the clauses which cover theft or other matters. Carmax may have forgotten that I signed for this and made my payments on time with no derogatory marks. When I need them to look into the matter nothing comes of it. 

I would ask assistance in this matter by the CFPB to help mediate the matter. To help me get Carmax to comply and conduct an actual investigation into the matter and assist me in getting this error in reporting removed from my files so I can move forward and put this terrible ordeal behind me. 

The attorney that assisted me during this time was : Mr. XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL. XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 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:
On XX/XX/2020 I re-submitted dispute XXXX once again with a detailed letter disputing part of the {$310.00} charge on XX/XX/2020 from XXXX XXXX XXXX XXXX. In my letter I explained the attached billing statement reflected duplicate tax charges & charges for items I either did not receive or where included with my reservation. I explained the merchant stated they would correct the over billing but has failed to do so. I highlighted items individually which were billed in error to assist with Citi 's investigation. 

Citi 's response indicated Citi 's dispute resolution department failed to fully read or review my letter or attached documentation stating they found the charge valid because the billing statement which I indicated had several errors on it was for the same amount of the charge posted, which was over billed. 

I attempted to contact Citi via their online chat due to their limited phone support, which is only open during my normal business hours which I am unable to take the time off in order to wait on their extremely long hold times to correct an error they made themselves. The Citi support agent stated he was unable to help I would have to submit a letter, which I have already done twice and Citi continues to refuse to fully review or read.

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 2020-05-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I recently made a large payment ( {$500.00} ) towards my Wayfair credit card to paydown a promotional balance that expires in XX/XX/XXXX. Instead they applied it to the balance of a promotional balance that doesn't expire until XX/XX/XXXX. I won't be able to pay the XXXX promotional balance in full now and will be unfairly charged interest when I shouldn't have to. I intentionally made the payment so that I wouldn't have to pay any interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Management Services, Inc.
State: NE

Complaint narrative:
I was sued by Credit Management in XXXX XXXX. I am currently making payments as they threatened to take me to court for garnishment. I never received any notification in the mail about the debt, or court date. Was just serves with judgement to pay after the fact. Now they are sending my husband and I duplicate bills for the same amount, but different debt id numbers so they are trying to collect twice. My husband was making payments to them as well, but our local court dropped all claims and payments as they were found guilty of misconduct so it voided my husband of his debt and court costs

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 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: AL

Complaint narrative:
I OBTAINED A COPY OF MY CREDIT REPORT AND THERE ARE MEDICAL BILLS ON HERE THAT DO NOT BELONG TO ME. PLEASE INVESTIGATE THESE ACCOUNTS, AND SEND ME AN UPDATED COPY OF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I hereby, request your assistance in my dispute against CITICard for wrongful reporting of late payment XX/XX/2018. I have contacted them in three separate occassions, but they have chosen to ignore my documentation and plead to correct my credit. They have unfairly, deceptively and abusively reported incorrect 30-Day late Reporting for Citicard ending account no. XXXX for XX/XX/2018. See attached copy of the Citi monthly statement for billing period XX/XX/2018 to XX/XX/2018, listing XX/XX/2018 payment dated XX/XX/2018. The statement XXXX payment late fee listed as XX/XX/XXXX was for the posted payment of XX/XX/2018, also listed here. Also find included statements for billing period XX/XX/2018 to XX/XX/2018 and XX/XX/2018 to XX/XX/2018, listing XXXX payment made on XX/XX/2018, due on XX/XX/2018. You can clearly see that XX/XX/2018 payment was not paid 30 days late. It was due on XX/XX/2018 and received on XX/XX/2018 by CITI. 

This documentation clearly shows that CITI is in clear violation of the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Bureau ( CFPB ), Unfair, Deceptive and Abusive Act Practices ( UDAAP ), and Federal Trade Act ( FTA ) by requesting a lower monthly payment amount to keep account current and still reporting XX/XX/2018 payment as late to the credit bureau. If you see, all other months in 2018, I had similar balances and lower payments were allowed and paid to stay current. 

CITI has caused me harm and undue reputational damage by having credit denied and paying higher interest on other debts. I was unaware about this late reporting, until I tried to refinance my home recently and the bank provided this information. CITI deceived me to my detriment. I had no way of knowing the wrongful and abusive practices in CITI credit reporting. 

If you have any questions, please call me at XXXX. 

Sincerely, XXXX XXXX XXXX Attachments : CITI Billing statements

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 2020-05-23 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: AL

Complaint narrative:
I OBTAINED A COPY OF MY CREDIT REPORT AND THERE ARE MEDICAL BILLS ON HERE THAT DO NOT BELONG TO ME. PLEASE INVESTIGATE THESE ACCOUNTS, AND SEND ME AN UPDATED COPY OF MY CREDIT REPORT.

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 2020-05-23 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: AL

Complaint narrative:
I OBTAINED A COPY OF MY CREDIT REPORT AND THERE ARE MEDICAL BILLS ON HERE THAT DO NOT BELONG TO ME. PLEASE INVESTIGATE THESE ACCOUNTS, AND SEND ME AN UPDATED COPY OF MY CREDIT REPORT.

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 2020-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
My credit cards ending in XXXX and XXXX were closed. I did not authorize these account closures and did not have any unpaid balances or other reasons to close these accounts. This has damaged my credit as they are long standing accounts and they were paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 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:
The credit bureaus are reporting accounts wrong and there are several errors that need to be corrected because it is hurting my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 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:
There are errors reporting on my credit report that need to be updated.

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 2020-05-23 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: SC

Complaint narrative:
I recently obtained a copy of my credit report and there are accounts that DO NOT belong to me. Please investigate these accounts and remove them from my credit report. Please send an updated copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 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:
The credit bureaus are reporting accounts wrong and there are several errors that need to be corrected because it is hurting my credit scores.

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 2020-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: MD

Complaint narrative:
I was reviewing my credit report and noticed that the company closed my account on XX/XX/19. I did not request account closure and my account was in good standing throughout the lifetime of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 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: SC

Complaint narrative:
I recently obtained a copy of my credit report and there are accounts that DO NOT belong to me. Please investigate these accounts and remove them from my credit report. Please send an updated copy of my credit report.

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 2020-05-23 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:
There are errors reporting on my credit report that need to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
Debt was off on XX/XX/20. I received a letter stating that they were attempting to collect the same debt, when I checked my online account and called I was told that I'd have to wait 10 days in order to receive an updated correspondence and that I could not have an email sent showing that the balance was paid and the account was closed. When I inquired as to why my online account was not reflecting payment I was told that's an IT issue and I'd again have to wait. I have a bank statement showing that the amount was deducted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: MD

Complaint narrative:
I was reviewing my credit report and noticed that the company closed my account on XX/XX/19. I did not request account closure and my account was in good standing throughout the lifetime of the 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 2020-05-23 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: SC

Complaint narrative:
I recently obtained a copy of my credit report and these accounts are NOT mine.Please investigate and remove these fraudulent accounts from my credit report. Please send an updated copy of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: OH

Complaint narrative:
ERC bought my 5 year old debt from XXXX XXXX XXXX around XX/XX/XXXX. The debt was from XXXX XXXX XXXX around XXXX. ERC started reporting the debt as it was a new debt on my credit report as if it was a new debt which dropped my score by 50 points. ERC also changed the amount owed on my credit report. This is unfair because I am trying to repair my credit at this time to buy a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Nelnet, Inc.
State: TX

Complaint narrative:
in XXXX of 2018 for my Department of Education loan account. 
I understand my financial obligations and take them very seriously. During fall of 2018, I experienced technical issues with my bank account that forced me to change my account/banking information. I believed that I had changed my account information regarding all auto draft payments. Unbeknownst to me, there were no notifications regarding my automatic draft setup with my Department of Education account. Because of this, my payment was rejected and classified as late. As soon as I became aware, I made a payment and updated the information. Overall, outside of this isolated incident, I have a history of on-time payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
When the Care Act was passed XX/XX/2020 to suspend payments and interest on student loans. Navient said that I could only have 3 mos of forberance. Where as the Care Act was saying 6 mos of forbearance with the last update as of XX/XX/2020. Why are they saying I have 30 days left on forbearance, instead of XX/XX/2020? Please reply as soon as possible on this matter. 
Thanks XX/XX/2020 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 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: SC

Complaint narrative:
I recently obtained a copy of my credit report and these accounts are NOT mine.Please investigate and remove these fraudulent accounts from my credit report. Please send an updated copy of my report.

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 2020-05-23 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: MO

Complaint narrative:
To Who Can Help me, I sent in letters to Trans Union about inquiries I had never seen before. They are not mine. I am writing this complaint because they haven't responded gave me an update or anything.

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 2020-05-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
After reviewing the credit profile Amsher Collection Services continues to furnish information on credit profile. Where services were rendered, its medical coverage was unavailable, was there any financial assistance available?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 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: KY

Complaint narrative:
I just want the company to respond to me via FCRA guidelines. Thanks for your help.

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 2020-05-23 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: IL

Complaint narrative:
Dear CFPB, On XX/XX/20, I made a purchase for an airline ticket with my CapitalOne credit card through the travel agency XXXX for USD $ XXXXto fly on XXXX XXXX on XX/XX/XXXX ( flight 752 ).  The flight was cancelled and I reached out to XXXX on multiple occasions to obtain a refund. XXXX did not respond to my numerous occasions so I reached out to my credit card issuer CapitalOne to dispute the charge for a service that was never provided ( the flight was cancelled and I am being ignored for a refund ). Surprisingly ( or not ), XXXX did take the time to respond to CapitalOne 's chargeback and CapitalOne reinstated the charges ( and CapitalOne never reached out to me for any of my evidence ). I am seeking CapitalOne to honor my dispute and not to be charged for a service I never got. ( I have no desire to pay XXXX the money and then go through the process of trying to get it back from them since they have ignored me already for the last 2 and a half months ). I appreciate all your help and have provided additional documentation that shows the flight being cancelled and my efforts to get a refund. 

Best ... XXXX XXXX

Company response to consumer: Closed with monetary relief