vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cascade Capital, LLC
State: VA

Complaint narrative:
Hello, I reported Cascade Receivables Management to you earlier this year about debt they're trying to collect on behalf of XXXX XXXX XXXX XXXX. At that time, I was told that they had discharged the debt from my accounts since I'd never received any bills or past-due notices for these hospital charges. Once again this weekend, I received yet another attempt from them to collect more debt, which is more than three years after I was hospitalized. So, this is abuse in my opinion, and I would appreciate your taking action to make them CEASE and DESIST any and all collection attempts for anyone related to the XXXX XXXX XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: CarMax, Inc.
State: OH

Complaint narrative:
On XXXX of 2019 I reached out to CarMax used car dealership and worked with a salesman who was to assist with finding a vehicle for me. I explained I had never financed a vehicle before and owned all vehicles previously out right. I was unable to meet in person and provided my social security number, along with other information to find a loan that was within reason financially. I specifically asked that I not have more than two hard inquiries on my report and was told that the credit bureau would recognize me looking for a car and only count the inquiries as one, that was a lie. It was 17! I expressed my dissatisfaction and concern with management and was told the same lie. In first applying my credit score was XXXX and by the time they were done my credit score was XXXX! This companies practice was abusive and deceitful in forcing me to have to choose a vehicle through them because I was unable to go anywhere else once my credit score was dropped so drastically. When expressing my concerns, I was repeatedly lied to about the effect this would have on me. My credit score is horrible and Ive been denied for school loans, increases on credit limits with my financial institutions and I am enduring a financial hardship with the insanely high monthly payments. I then began having issues with the vehicle while under warranty at XXXX miles and was refused a loaner and was told I wasnt covered under the extended warranty that was purchased. Consumers should NEVER need to endure this type of predatory and deceptive behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have signed up in XXXX XXXX since long time to check my credit score regularly which gives me report from Transunion and XXXX. I  am making all payments on time and my score is consistent. Suddenly, on XXXX XX/XX/2020, I saw there is drop of 6 points in both Transunion and XXXX, and further checked there is a note that Remarks had been added to one of your account if you find something wrong you may contact credit reporting bureau. Then I called XXXX but they are very unprofessional and keep me waiting for 15-20 Minutes and hung the call. And as far as Transunion concern they are worst than XXXX and they did not connected my call and when connected it hung up afterwards. So, I want to get it updated and if something wrongly done then it needs to be fixed right away.

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 2020-09-21 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: GA

Complaint narrative:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.

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 2020-09-21 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: TX

Complaint narrative:
I was informed by TransUnion that XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) made a hard inquiry on my TransUnion credit report on XX/XX/XXXX. I have contacted XXXX XXXX XXXX twice since learning on this hard inquiry because it reduced by credit score. XXXX XXXX XXXX representatives tell me that they can confirm that I have not applied for any lines of credit, nor have I attempted to consolidate my loans. I have been told by three representatives ( after being transferred to an executive office ) that I have not applied for anything and there should not have been  a hard inquiry made on my credit report. When I ask them to fix this matter, they tell me that they need more information from me and I will receive a letter requesting the information in 7-10 business days. I had the last representative read the letter to me that I will receive in the mail over the phone and I have already provided the information they are asking for. I am very frustrated and see no end in sight. I'm not sure how to get this matter resolved, but it needs to be done promptly. This hard inquiry also lowered my student loan co-signer 's credit score. Please tell me how to proceed.

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 2020-09-21 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: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax and XXXX should not be reporting. me as an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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:
THESE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS THAT WERE OPEN IN MY NAME SOMEONE USED MY NAME SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-09-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Risecredit, LLC
State: GA

Complaint narrative:
This company RISE is showing up on my credit report. I have never done business with company, never had a loan or any interaction. 
I have disputed this with the credit reporting agencies and written to the company personally asking them to validate the debt or provide other information. I have received nothing from them. I have called a been left on terminal hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: CO

Complaint narrative:
XXXX and Transunion should not be reporting. me as an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hello. I disputed with XXXX XXXX at the end of XXXX about a false bankruptcy on my credit. They have since had it deleted. They have sent manual disputes and I disputed with the credit bureau as well. They keep coming back as verified when XXXX XXXX has clearly removed it from the report. They are refusing to delete this incorrect information even though I have provided valid proof. Also the addresses listed on the furnisher does not give out this information to credit bureau nor do I even live in any of those locations to have filed.

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 2020-09-21 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:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.

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 2020-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2020, I transferred {$56000.00} from my XXXX business account # XXXX to my suppler, XXXX XXXX. XXXX at Chase XXXX put a hold on my suppliers account and then closed it for unknown reasons. The case # XXXX was given to my supplier, XXXX XXXX. What is important to know is that XXXX has made as many as 15+ communications to Chase without a response. 

XXXX, Senior VP, XXXX XXXX, XXXX, XXXX who was looking into my case told me that Chase was going to reissue a cashiers check to me for {$56000.00}. This was 123 days ago because Chase has lost the check twice and did not track the check. 

I have my home mortgage with Chase and my business credit account has been with Chase for 20+ years. I know that if this is happening to me it is happening to other loyal customers of Chase. They think their untouchable resulting in my closing my XXXX XXXX and laying off employees. I need someone to report this because this shows the real incompetence from Chase. 
Pleasse contact XXXX XXXX, CEO, JPMorganChase, XXXX to let him know of the incompetence of his Chase employee who has caused my XXXX XXXX and many others to close their doors during the Covid-19 epidemic. Please help me with this situation. This should not happen in America. 

Best regards, XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was the victim of an wire fraud scam during the closing on my families new home. An scammer had spoofed the email of an employee of the Title Co ( XXXX XXXX XXXX ) and informed me that I needed to wire my closing funds for my new home due to CORONA with modified wiring instructions of the title co. I wired my funds to an Capital One. The Bank slipped up and informed me that the account was marked fraudulent and that all they would tell me. My bank XXXX has tried to get them the reverse the funds but they will not. I thought it was up to the bank to verify if their is any fraud involved when someone is try to open an account My News Story : XXXX : XXXX Scammers account info : Routing : XXXX Account # XXXX Capital One is stating that they have not received an Hold Harmless Agreement from my Bank ( XXXX ) in order to start working on this matter. I will attach the signed Hold Harmless Agreement to this form that XXXX has sent to Capital One Several times. 

Reference complaint # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Avadyne Health Holdings, Inc
State: IL

Complaint narrative:
A debt owned by my husband in a non-community property state has been reported on my XXXX XXXX credit report, damaging my credit score from a 620+ to now XXXX or lower. When contacting H & R accounts in XXXX, IL they repeat themselves saying it is my financial responsibility when it is not, and refuse to help saying I will have to take legal action instead. 
I've had success in removing the debt from XXXX, but since then they've placed the collections on my XXXX report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-21 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: MA

Complaint narrative:
We filed a complaint with Citibank Mastercard on XX/XX/2020 regarding a trip that was cancelled due to covid-19. We never received service. We sought remedy through the cc because were unable to reach the booking company, XXXX, by ANY method, to get a refund for {$1200.00} charged to our account on XX/XX/2020. Citi started a chargeback but the chargeback was reversed when the merchant/Cancelon said we never contacted them. Citi has given many excuses for not getting our money but none of them are valid. 

Through many back and forths with Citi bank we continued to make our complaint however they have never refunded our money. 
DISPUTE : 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 2020-09-21 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: CCS Financial Services, Inc.
State: IN

Complaint narrative:
This bill has been paid and it still shows open with a balance and the creditors has not deleted it

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: CORELOGIC INC
State: AL

Complaint narrative:
I didnt authorize none of this credit pulls. XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXXl/XXXX  ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) XXXX XXXX/XXXX ( XX/XX/XXXX ) Credco ( XX/XX/XXXX ) credco/XXXX XXXX ( XX/XX/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 2020-09-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
My statement was created on XX/XX/2020 with a due date of XX/XX/2020. I logged into my account and submitted payment on XX/XX/2020. However, when trying to find the actual amount I wanted to pay over the minimum required for the payment terms I have with XXXX, I noticed that on XX/XX/2020 the credit company already assessed a {$27.00} late fee to my account ( 2 days before even my due date ). I have requested the fee be removed, but no response & can't get ahold of anyone on the phone. 

Additionally, when I purchased the XXXX XXXX through XXXX, I selected the 24 month 0 % financing offer. However, when entered into my account at TD, they put 6 months down. I have called numerous times and sat on hold for literally hours with no one picking up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-21 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: FL

Complaint narrative:
THESE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS THAT WERE OPEN IN MY NAME SOMEONE USED MY NAME SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  XXXX. On XX/XX/2020, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: FL

Complaint narrative:
THESE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS THAT WERE OPEN IN MY NAME SOMEONE USED MY NAME SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian XXXX. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-09-21 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: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I paid my collection with Midland Funding long ago and they still have not removed this XXXX XXXX account. This is not the first problem I have with them, last time they tried to charge me again after paying them!

Company response to consumer: Closed with explanation