vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cascade Capital, LLC
State: FL

Complaint narrative:
Around XX/XX/2019 I received a letter in the mail saying they were a debt collection company. They call themselves Cascade Capital LLC. The letter states that they have purchased the accounts from the Original Creditor. Total of 2 accounts. The letter gives no detail as to the amount I may owe or services that were provided. It only states to call their office at ( XXXX ) XXXX should I have any questions. 
XX/XX/2019 I called their office. I was a bit concerned because I was in the process of paying of a debt which they were not aware of. It was not discussed. I asked them how much I owed and I told them when I receive a notice from them after the 30 day wait period in compliance with Florida Statute 559.715. I would look it over and send a payment. One account was for {$48.00} and the second account was for {$25.00} They informed me they were not going to send me another notice.? I said then how can I pay you. They said over the phone is acceptable. I told them I need a statement first. After all, I need to keep records too. He became excited and tried to get money. He said I can also write a check and send it to their address listed below. I told him I can do that But, I need something on paper first. He said No! 
That's when I realized he was a scammer. Working through the mail service. He said they will not be sending another statement and I said " Great '' Then I guess were done. 
I hung up. They are listed as Cascade Capital Funding LLC XXXX XXXX  XXXX, XXXX XXXX XXXX, California XXXX // Also at XXXX XXXX / XXXX MI XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: AZ

Complaint narrative:
My payment count for the public service loan forgiveness plan is off by 7 months worth of payments. FedLoans is unable to give me a list of payments that they have verified so that I can compare the two to determine where the difference is. I submitted a request for a recount and list of verified payments in XX/XX/XXXX and again in XX/XX/XXXX. I called again today and was told they are still processing my request and cant give me a timeframe for when this will be complete ( despite the first request being made 15 months ago ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-31 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:
On XX/XX/XXXX it was reported by Equifax that I have had 3 Hard Inquiries, I do not have any knowledge of these but I was made aware through an alert on my XXXX XXXX App that allows me to monitor my Credit Score. Here are the accounts that were marked for Hard Inquiry : XXXX XXXX, 2 Inquiries : First Inquiry was marked at XX/XX/2019. 
Second Inquiry was marked on XX/XX/2019. 

XXXX, ( Im assuming XXXX XXXX ) : This Inquiry was marked on XX/XX/2019 as well. 

I did not authorize these hard inquiries and was knocked down by 54 points in my credit report which is ruining my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: U.S. BANCORP
State: NJ

Complaint narrative:
I leased a new XXXX XXXX XXXX in XX/XX/XXXX. The lease ended in XX/XX/XXXX but I extended the lease to XX/XX/XXXX. The monthly lease amount was {$300.00} for the term of the lease. 

In XX/XX/XXXX, the company decided to add an add'l {$20.00} to the payment making it {$320.00} stating the difference was sale tax. The base amount of {$280.00} and the sales tax of {$19.00} totaling {$300.00} should not have changed. The {$20.00} represents sales tax being charged on the base plus the {$19.00} sales tax. 

I've made countless phone calls and sent letters over the past 5 months. They continue to say I owe the money and send me paperwork I don't ask for. Management was of no help either. 
Now they are charging me {$50.00} in late fees which are included in the {$110.00} they say I owe. I do not want this to show up with the credit bureau which I stressed to them.

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 2019-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: WI

Complaint narrative:
My vehicle, financed by Santander Consumer USA was totaled on XX/XX/XXXX after I was hit by a car that failed to stop at a stop sign. I contacted Santander soon after this to let them know that full payment would be issued by XXXX XXXX XXXX. They said they would " note '' my account. It has taken a long time to get a settlement agreed upon, but finally XXXX XXXX issued a check on XX/XX/XXXX which would cover more than the payoff balance on my account. 
Of course every day the payoff balance goes up more than {$5.00} based on what I have seen as my monthly interest charges. As of XX/XX/XXXX this payment still has not posted to my account. Santander is giving me the run around saying the payments go to their post office box and it can take 6 to 10 days for them to post ... .what kind of tactic is this? This is XXXX. I have a copy of the check dated XX/XX/XXXX, courtesy of XXXX XXXX. I have sent in a written complaint to Santander through my account portal and no reply. NO REPLY. 
I believe they are sitting on this payment to bleed more interest out of me. As if I have not suffered enough. I can not get another car loan because of the balance with Santander. I am a XXXX XXXX   with little resource to pursue legal action. I am walking to and from work in the cold because of this negligent driver and now can't even move on to getting a new car because Santander wants to take more money from me.I expect a fair outcome. I want my payoff balance as of XX/XX/XXXX and want the rest of the funds sent to me immediately. They are is crooked as a company can get. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Allied Collection Services, Inc. (Nevada)
State: CA

Complaint narrative:
THIS XXXX  BILL WAS XXXX AND WAS ADDED TO MY CREDIT REPORT WITH A XXXX DATE!!! THIS IS NOT TRUE AND ID FRAUD. 
This letter is response to your correspondence concerning the above referenced account. I have checked with my state Attorney General and confirmed that the statute of limitations on this type of debt has expired. I am also disputing the validity of the debt therefore you are prohibited from reporting this on my credit report. Therefore, if you choose to pursue this matter in court, I will be forced to show proof that the statute of limitations has expired and will take private right of action. I will attempt to recover actual damages, statutory damages, and attorneys fees and costs. Let this letter serve as notification that I do not wish to be contacted about this debt any further except to be notified that future collection efforts are terminated. Do not contact me any further. Any other communication regarding this debt will be taken as a violation of the Fair Debt Collection Practices Act and California Senate Bill 233.

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 2019-10-31 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: OH

Complaint narrative:
Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX  XXXX never late XXXX/XXXX XXXX  XXXX not mine COLLECTIONS XXXX {$80.00} not mine XXXX {$68.00} not mine XXXX  XXXX  XXXX  XXXX {$840.00} not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
XXXX card is the company on XXXX the XXXX they cut my card off for and unauthorized transaction and sent me out a replacement card without letting me know they was cutting my card off in the first place they said the card was expidited and its been 15 days and I havent seen my replacement card of any of my money Ive call probably 30 or 40 times and they never help me they always say they are sorry they cant do nothing about it then they sent me out another card and I still havent received it over 10 days Ive been waiting and waiting I got over a 1000 dollars in my account I cant even touch or use and I just need my money as soon as possible thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX  XXXX/XXXX  XXXX never late XXXX XXXX/XXXX  XXXX never late XXXX XXXX XXXX not mine XXXX/XXXX   XXXX never late XXXX XXXX XXXX XXXX XXXX never late XXXX XXXX/XXXX  XXXX never late XXXX/XXXX XXXX   XXXX not mine XXXX XXXX XXXX XXXX {$350.00} not mine XXXX XXXX XXXX XXXX XXXX {$1200.00} not mine XXXX XXXX XXXX   XXXX {$840.00} not mine INQUIRIES XXXX   XXXX/XXXX XX/XX/2018 unauthorized XXXX/XXXX  XXXX  XX/XX/2018 unauthorized XXXX XXXX/XXXX  XX/XX/2018 unauthorized XXXX/XXXX XX/XX/2018 unauthorized XXXX XXXX, XXXX XXXX XX/XX/2018 unauthorized

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 2019-10-31 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: CA

Complaint narrative:
OnXX/XX/2019IcheckmycreditreportandnoticesomeonehadstolenmyIdentityandopencreditcardaccountsandcarsinmyname.IfiledapolicereportandaFTCreport.Iamjustwouldliketogetmynamebackandhavethecreditreportingcompaniestopleasedeletetheitemsformmycreditreport.

Thankyou

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 2019-10-31 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: OH

Complaint narrative:
TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX/XXXX  XXXX not mine XXXX  XXXX not mine XXXX XXXX not mine XXXX/XXXX XXXX not mine COLLECTIONS 01 XXXX XXXX XXXX XXXX {$840.00} not mine 11 XXXX XXXX XXXX XXXX {$0.00} not mine

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 2019-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
On XX/XX/2019, I was charged {$6900.00} by a company called XXXX XXXX in a village called XXXX on the island of XXXX. We were traveling in XXXX but were nowhere near this island. Citicard says that it was a point of sale transaction but this is impossible. I recieved nothing from this company and had no knowledge of this company until I saw it on my billing statement. I contacted Citicard and stated that this charge was not one I was familiar with. They looked into it and then said that because I did not state that it was fraudulent that there was nothing they could do. I should not have to pay this charge, I never made It. Citicard also states that their policy is that consumers will not be liable for fraudulent charges. Citicard cancelled my card and issued a new one. The card # on the next page is my new card # for this 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 monetary relief
Consumer complaint received 2019-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Frontline Asset Strategies, LLC
State: GA

Complaint narrative:
Frontline Asset continues to call various family members of mine trying to reach me regarding some debt that I do not owe. I have been a victim of identity theft. I have had to freeze credit bureaus, place fraud alerts on my credit, and the list goes on to protect my credit. I am not verify any information or giving them information about me that is fraudulent. I am needing them to close this account, cease calling family members and friends about an erroneous debt that I do not owe. I have already contacted an attorney about this matter as well to see what can be done. I am needing them to cease all communication efforts as well and again, close the account immediately. I am not providing a Drivers License or anything. I am attaching the police report showing fraudulent activity. That is it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Credit card or prepaid card — Store credit 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: IL

Complaint narrative:
I requested an additional credit card on my ExxonMobil Citibank account. I never received the card in the mail. Between XX/XX/19 and XX/XX/19, XXXX unauthorized charges totaling {$800.00} were made to the card. I was never alerted to this fraud until I received my statement on XX/XX/19, at which time I contacted the card issuer. I was told that I would not be responsible for the charges since the card was never in my possession. I called again on XX/XX/19 to check one the status of the issuer 's investigation and was again assured that I would not be responsible for the charges. Thereafter, on XX/XX/19, I received a letter from the card issuer dated XX/XX/19 stating that I was responsible for the charges, despited the card issuers assurances that I was not, because I purportedly did not provide the amount of the charges. This is untrue. I called a final and third time on XX/XX/19 and listed all 16 fraudulent charges, including the dates and amounts. Notwithstanding my best efforts, Citibank has failed to credit my card for the {$800.00} and associated interest. I am attaching the statement showing the charges ( see " Card XXXX '' ). The last person I spoke to was XXXX whose employee ID number is XXXX. She too refused to resolve this issue, stating it was not her department, then disconnected the call without permission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
REMOVE FRAUD ALERT OFF XXXX, EQUIFAX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 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: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
I was billed XXXX at XXXX per for car washes that i did not authorize. I did in fact use this card for single XXXX car wash. I have never enlisted in the promotion offered by XXXX XXXX XXXX XXXX. I have never signed nor verbally authorized this contract by XXXX XXXX. Chase manhattan maintains that by my using this card for the single car wash that allows them to assess a charge against my card monthly. I call that theft. I am a snowbird to XXXX in the winter four to five months. I have been charged XXXX dollars per month when i wasnt even in the state of XXXX. I was in XXXX. How can this be right? Because a merchant has my credit card information they can bill me for anything they choose?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
REMOVE FRAUD ALERT OFF EQUIFAX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
REMOVE FRAUD ALERT OFF XXXX, XXXX, TRANSUNION

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 2019-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
REMOVE FRAUD ALERT OFF EXPERIAN, 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 2019-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: CA

Complaint narrative:
Security Credit Service Orginal creditor : XXXX XXXX : BALANCE {$2600.00} XXXX XXXX XXXX ; Orginal Creditor : XXXX : Balance {$250.00} I am victim of identity theft, the information listed above, which appears on my credit report, does not not relate to any transactions that I have made. it is a result of identity theft. I did open another FRAUD INVESTIGATON CLAIM with XXXX, XXXX and XXXX for immeditlay removal. Addtional to that, all three credit bureaus has a previous police report on file and idenity theft report from previous fraud collections that was on my credit reports once before. ( please protect my identiy )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Navient ( via XXXX XXXX REFUSES to put the upcoming biweekly payments on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I started communication with Equifax 3 months ago to correct a hard inquiry mistake. XXXX did a hard inquiry on my credit on XX/XX/18 and they have told me in writing it was their mistake and they would fix. I filed a dispute with Equifax to have the hard inquiry removed and I was not allowed to upload or submit a document unless I had a fax. I asked for an email and they couldn't give me one. The average poor consumer doesn't have a fax or the time it takes to deal with the companies antics and road blocks. I have a letter from XXXX saying they made a mistake and they would fix that I wanted to upload and wasn't allowed to. I've tried to dispute this inquiry repeatedly with Equifax and they send me a fraudulent note check my dispute status that then goes to a dead link that doesn't work and tells me I'm not able to log in. Poor service and they still won't remove the incorrect info that is hurting my credit. 

Confidential : Thanks, XXXX XXXX # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Sent dispute in they said that the information on the account was correct.

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