vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-02 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
there is a conflict of interest for insured/patients with healthcare providers which is also very possibly violating HIPAA privacy and FCRA through testing, diagnostic and medical billing codes with full access to patients full medical records and private protected medical record information managed by a major credit bureau. Its not disclosed to patients by medical providers and is a complete conflict to have a major credit bureau branch/entity managing information which can affect credit and insurability of patients who seek and need medical care, credit products and services and be assured unbiased insurability. Example : XXXX XXXX XXXX XXXX is one of more than 60 % of United States Hospitals that utilizes Experian to manage all medical and billing records. Providers offer patients access to their health records ie. XXXX, with electronic/data use of credit information of patients that is required to verify a patient own access to the online medical records ( XXXX  ), clearly co-mingling private, protected medical and credit information of patients.

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 2021-01-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have multiple medical debts on my credit score with XX/XX/XXXXand Experian. I did not give permission for my medical files to be released this is a HIPPA violation and I will be taking legal action if not removed. On top of that I did not receive any notice of debt. 4 collections through XXXX, 1 collection with XXXX, 5 collections through Miramedrg on XX/XX/XXXX. 1 collection through XXXX on XX/XX/XXXX, and 1 collection with XXXX XXXX, 4 collections through XXXX on experian. I am disputing all of these on legal grounds

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 2021-01-02 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: WI

Complaint narrative:
I have contatced each of the credit companies and i sent in police report and ftc report someone used my idenity to get a loan witch check and go also they have used my information to get a credit card with XXXX XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXXI have letters from XXXXXX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX, XXXX and XXXX saying that it was proven that these accounts was open fraudulent. Each credit company got those items in the mail on XX/XX/XXXX which was sent certified mail. I asked for themm to verify and they have NEVER sent me any information from the creditor that I was the one that opened this fraudulent account, all they did was use E-oscar and that is not validation. Please remove this fraudulent account from my credit report or i will sue.

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 2021-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AXOS FINANCIAL, INC.
State: IN

Complaint narrative:
On XX/XX/2020 XXXX XX/XX/XXXX a conference call was initiated with myself and the following parties ; XXXX XXXX XXXX a compliance department representative from AXOS Bank along with a Customer Service Representative from XXXX XXXX. 

The call was in reference to a written notice received from XXXX XXXX, Compliance Officer from AXOS Bank regarding reaching a favorable resolution for a dispute I submitted with AXOS Bank on XX/XX/2020 for merchandise that I did not receive from XXXX XXXX. 

XXXX advised immediately upon me joining the call that no matter what the outcome is of this call, AXOS Bank is no longer responsible for this matter and no further action will be taken regarding this problem. I then inquired as to the purpose of the call given the information he just stated to me, he did not respond to my inquiry, merely stating, this is the end of it. XXXX then proceeded to disconnect from call leaving myself and the XXXX XXXX Customer Service Representative to proceed with the call accordingly. 

Both XXXX XXXX and myself were unsure why AXOS Bank initiated the conference call just to simply disconnect themselves. 

Upon proceeding with the call with XXXX XXXX, I was advised that a refund was processed for the merchandise that I did not receive. I advised XXXX XXXX that AXOS Bank is claiming no refund had been processed by XXXX XXXX. XXXX XXXX then confirmed a refund was approved and processed. XXXX XXXX then emailed me a case number in reference to the refund that was processed along with additional confirmation that tracking information or proof of delivery can not be provided. 

Given this new information that has been presented from the merchant, XXXX XXXX, I am inquiring from AXOS Bank the status of my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AVANTE
State: FL

Complaint narrative:
I have multiple medical debts on my credit score with XX/XX/XXXX and XX/XX/XXXX. I did not give permission for my medical files to be released this is a HIPPA violation and I will be taking legal action if not removed. On top of that I did not receive any notice of debt. 4 collections through Avante, 1 collection with XXXX, 5 collections through XX/XX/XXXX onXX/XX/XXXXXX/XX/XXXX. 1 collection through XXXX on XX/XX/XXXX and 1 collection with XXXX XXXX, 4 collections through XXXX on XX/XX/XXXX I am disputing all of these on legal grounds

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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: NY

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2021-01-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have multiple medical debts on my credit score with TransUnion and XXXX. I did not give permission for my medical files to be released this is a HIPPA violation and I will be taking legal action if not removed. On top of that I did not receive any notice of debt. 4 collections through XXXX, 1 collection with XXXX, 5 collections through XXXX on transunion. 1 collection through XXXX on XXXX, and 1 collection with XXXX XXXX, 4 collections through XXXX on XXXX. I am disputing all of these on legal grounds

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 2021-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2020 someone Fraudulently used my Debit card associated with my Chase Checking Acct to withdraw {$4000.00} from the teller. In addition the criminal called into Chase to transfer {$3000.00} from a linked college acct into the checking acct and bought nearly {$3000.00} Bitcoin on debit card as well. 
After reporting these events to Chase fraud Dept the afternoon of XX/XX/2020, they have since investigated the claim for the {$4000.00} cash withdrawal and stated NO Fraud involved and are NOT reimbursing the Money. It was brought to their escalation dept who re reviewed the claim and again stated No fraud involved. 
I have spent countless hours on the phone, had several meetings with my local branch client reps, filed a Federal Trade Commission identity fraud report and police report. 
The Police detective investigating this pulled the bank 's video tape and it revealed an masked XXXX XXXX male making two {$2000.00} withdrawals at the teller posing as me, a caucasian male with a very greek name of XXXX XXXX XXXX. 
The escalation dept told me their investigation is complete w/o any further appeal process. I was also told it was my prerogative if i wanted to pursue this further with the police dept. 
I am a XX/XX/XXXX working throughout this Covid pandemic and needless to say I don't have additional available time to spend on this let alone the unnecessary stress this and Chase Bank has caused me. 
In addition to this Chase has not been transparent with the info they have investigated so as to let me know what other identity info was used other than a PIN number so that i can further protect myself. 
Chase has failed me in so many ways.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL

Complaint narrative:
I have multiple medical debts on my credit score with XX/XX/XXXX and XX/XX/XXXX. I did not give permission for my medical files to be released this is a HIPPA violation and I will be taking legal action if not removed. On top of that I did not receive any notice of debt. 4 collections through XXXX, 1 collection with Wakefield, 5 collections through XXXX  on XX/XX/XXXX. 1 collection through Wakefield on XX/XX/XXXX, and 1 collection with XXXX XXXX, 4 collections through Wakefield on XX/XX/XXXXI am disputing all of these on legal grounds

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: TX

Complaint narrative:
I have sent a cease and desist order! This company that I do not know of continues to send me letters. I think this is my dad 's medical bill but I do not know since we have similar names and he used to live here. 

But this is not my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-02 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I want to report that my identity has been stolen, a number of accounts had appeared in my credit, in the passed i had lost my wallet but although I reported to the police apparently someone is using my identity to open accounts in my name. 
An FTC report has been summited and is attach to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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: ID Analytics, Inc.
State: FL

Complaint narrative:
I want to report that my identity has been stolen, a number of accounts had appeared in my credit, in the passed i had lost my wallet but although I reported to the police apparently someone is using my identity to open accounts in my name. 
An FTC report has been summited and is attach to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.

Complaint narrative:
Compaint is for coinbase.com Case # XXXX I have an account on coinbase for 3 years. As you are able to check the last three months virtual coins went alltime high. I was trying to verify my mail address as coinbase asks with my bank statement. For no any reason or explaination they freezed my ability to sell or buy and as a result of it I lost over XXXX usd which was very important to me. I want to be honest and tell you that prices went higher than the time I decide to sell but at the time that I decide to sell the price was XXXX usd. When I tried to sell and cashout as I was doing all these three years, a message appears that I was not able to do anything in my account and to contact coinbase. 

I cantacted them 7 times at the last 20 days but no one came back to me. Every time I am receiving back an automate email which says : ''Please accept this email as confirmation of receipt of your complaint. 
We will review your complaint and you will receive a response from the Customer Complaints Officer within 15 business days. If for any reason we require an extension, we will notify you as soon as possible. '' As a result of it I lost savings of this year which as you can understand are very important for my family as a result of covid19 economical situation worldwide, but anyway I lost them without any reason, any fault of mine or anyone to explain me why.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-02 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: NY

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2021-01-02 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: MI

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2021-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Byrider Franchising, LLC
State: IL

Complaint narrative:
Hello, On XX/XX/XXXX I requested a monthly contract on my vehicle payment. The finance company CNAC asked me to provide my new insurance card by XXXX on that day and they would issue a new contract stating that my payments would be moved to a monthly frequency instead of bi-weekly. This arrangement was discussed over the phone with Account XXXX XXXX XXXX. XXXX, after receiving my renewed insurance card for the vehicle emailed a new contract via docusign for me to agree to the terms and provide a signature for my new monthly contract of {$430.00} Since then, CNAC have not changed my terms in the website portal and continue to state that I have a late payment due. I have never been late on any car payments. They never changed my due date in their system. I have received calls of harrassment and on Saturday, XX/XX/XXXX, I received a letter from CNAC threatening they would pursue actions to possess my vehicle. 

I need legal help in this matter. I have a signed contract as of XX/XX/XXXX from the Account XXXX XXXX XXXX stating that my new first payment date is XX/XX/XXXX. This company have harrassed me every day for a week now asking about a payment. At this point it is a breach of contract. And I need EQUITABLE RELIEF. 

Please assist asap! 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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: NJ

Complaint narrative:
I have made several attempt to resolve since XX/XX/2020 please the attached proof Re : XXXX XXXX needs to be removed it does not belong to me, Please see the provided proof. 

Secu this account shows late payments : This account is paid never, The balance is also incorrect. I am requesting that all information be corrected Please see the attached for further information Equifax dates are follow : Per the USPS 1 ) XX/XX/2020 2 ) XX/XX/2020 3 ) XXXX XXXX, 2020 All as shown above was recived by XXXX XXXX. 


Transunion has declined to update my credit report, I have sent numerous request to them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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: TX

Complaint narrative:
experian is useless. I have provided much needed information proving the information they are reporting is inaccurate and not mine. They continue to update and report the same information. 

I have no recourse other than to report them to you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
We received a US Bank Relia Card that was unsolicited, and when we tried to get help to find out why we received this unsolicited card, we were asked to enter a social security number and birthdate before moving forward, which we did not do.

We have no bank account with US Bank other than a loan with US Bank and we never applied for a " Relia Card '' and this was totally unsolicited. The card has my name on it and it looks as if it can be used.

I need to find out why I received this card but can not get help from US Bank Relia Card when I didn't ask for this card and can not get help from their toll free number. I'm concerned fraud is involved.

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 2021-01-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: NJ

Complaint narrative:
Today XX/XX/2021 i received my son 's Way2Go prepaid benefit mastercard through mail. 
Unfortunately the {$100.00} balance was to be spent untill XX/XX/XXXX I checked the ballance online and it is {$0.00} today What can i do? 
Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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: MI

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2021-01-02 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: Conn's, Inc.
State: TX

Complaint narrative:
conns appliance is reporting late payments for XXXX2020 and XXXXXXXX  in the amount of {$140.00} for each month i sent conns copies of my bank statement several times and called a dozen times.they pass me to different departments, put me on hold for long periods of time.so i sent copies by mail to each credit bureau they say the information is accurate.how can it be accurate if i sent bank statements showing the money taken out for my payments.also conns shows on my account page im paid one month in advance so how can i be late and paid in advance that makes no since.i am attaching bank statements proving im not late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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: NY

Complaint narrative:
I noticed some fraudulent inquiries on my credit report. I have filed a complaint with the Federal Trade Commission and received an Identity theft Report. I will upload the document along with my Identity as proof. Please remove the inquiries from my credit report.

Company response to consumer: Closed with explanation