vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-17 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: Mercedes Benz Financial Services
State: CA

Complaint narrative:
on XXXX applied for finance on XXXX XXXX from MBFS.com. 
As part of approval - I had to submit an autopay form - with all my details - and a cancelled check. 
The lease was approved and I got my vehicle. 
Early XXXX I got notification that my credit score dropped with 85 points because I was 3  months in arrears with MBFS.com When I contacted them - they apologized - the NEVER loaded the autopay. I did not realize that the autopay was not collected. 
I paid immediately for all arrears - and asked that they remove the remarks from my credit score ( AS I SUBMITTED MY AUTOPAY DETAILS - AND THEY DID NOT ATTEMPT ONCE TO COLLECT IT ). 
They are impossible to work with. They can not send me any information - or instructions on how to solve this. They are not willing to help. 
I can not believe that THEIR MISTAKE is costing me. They need to solve this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
PORTFOLIO RECOV Associates reported on my XXXX  Credit Report that a Credit Card Account was opened under my name in XXXX of 2019 which is false, they have not submitted any document ion to verify this debit or give the ability to dispute this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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: CA

Complaint narrative:
In XX/XX/2019, I disputed an account reported by XXXX XXXX account number XXXX, in my file maintain by Equifax. I check my credit file on XX/XX/2019, and it had the account from XXXX XXXX   was removed, I checked back on XXXX XXXX it was reinserted on my credit report, and now it doesn't even show where it was being reported removed in my credit file. Me being a XXXX XXXX Veteran, This was a big shock and is a very big question on the Integrity of Equifax treaty consumer with fair service. In accordance with the requirement of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. Which Equifax failed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hey im writting because i applied for a new credit card and a mortgage but found out through the credit card company called XXXX XXXX that my contact information on the credit bureau file was wrong in which i got denied the card and then from the mortgage company that i still have dispute comments on my file from XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX i tried and get in contact with the number XXXX XXXXXXXX gave me but no luck the number was XXXX for 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 explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: S&N Debt Solutions, LLC
State: MI

Complaint narrative:
In the attempts to become debt free I enrolled all my debt with the company Beyond Finance on XX/XX/XXXX with the total amount of debt of {$26000.00}. I have never missed a payment with them. One of the agreements when signed up with their program was that I would never pay any of the debt collectors any money regardless of them attempting to settle with me and to ignore their attempts at contact because Beyond Finance was the expert and they would handle every account for me. I trusted them with my money yet I was served papers at my home for the largest account that is being managed by XXXX XXXX. The total debt was XXXX. Since I was served papers and felt in that point I wasnt being properly represented because I was served paperwork. They again reassured me everything was handled, and that they would contact XXXX and handle it. 

On XX/XX/XXXX of XXXX I was informed from an associate of Beyond Finance that they contacted XXXX XXXX  XXXX and a settlement had been reached with XXXX XXXX after they had served me papers for {$6800.00}, which I had in my savings account. I asked the beyond associate if they would take any less if i paid them with one lump sum, but was told the amount would still be {$6800.00} and opted for the monthly payments versus draining my emergency funds. I was told that my biweekly payments of {$250.00} would need to be increased to cover the settlement because there would not be enough funds after paying the other settlements. They then increased my biweekly payments to {$540.00} and have been paying them this amount since XX/XX/XXXX. 

On XX/XX/XXXX, with absolutely no notice, XXXX garnished {$6900.00} from my XXXX account and wiped every last dollar I had in my checking and savings account leaving me with negative funds and not a single dollar. 

Today, XX/XX/XXXX my wife and I received a letter that XXXX XXXX attempted to take funds from my wife and Is joint account but there was no funds available. 

I have left several messages for XXXX XXXX  XXXX to see what happened and attempt to prepare for what is happening next and am waiting to hear back from Beyond Finance on how this could have happened and what to expect next. 

This has been devastating for my family and I am at a loss on what I should do next. I work full time, I pay all of my bills on time and I went from trying to become debt free to not knowing if Ill be able to make a mortgage payment because I am not being represented the way I was promised. My wife and I have no idea what to expect when our paychecks are being deposited tomorrow and if we are completely wiped out with no way to pay for food, childcare, our mortgage or our utilities we will be in an ultimate hardship

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
on XX/XX/XXXX19 applied for finance on XXXX Lease from XXXX. 
As part of approval - I had to submit an autopay form - with all my details - and a cancelled check. 
The lease was approved and I got my vehicle. 
Early XXXX I got notification that my credit score dropped with 85 points because I was 3 months in arrears with XXXX When I contacted them - they apologized - the NEVER loaded the autopay. I did not realize that the autopay was not collected. 
I paid immediately for all arrears - and asked that they remove the remarks from my credit score ( AS I SUBMITTED MY AUTOPAY DETAILS - AND THEY DID NOT ATTEMPT ONCE TO COLLECT IT ). 
They are impossible to work with. They can not send me any information - or instructions on how to solve this. They are not willing to help. 
I can not believe that THEIR MISTAKE is costing me. They need to solve this immediately.

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 2019-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
PORTFOLIO Recovery Associates reported on my XXXX  Credit Report that a Credit Card Account was opened under my name in XXXX of 2019 which is false, they have not submitted any document ion to verify this debit or give the ability to dispute this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: NJ

Complaint narrative:
For the last 5 years, we have been making mortgage payments to Caliber Home Loans twice a month via our checking account online banking application, in the amount of {$1000.00}, on the XXXX and last day of the month. Caliber, up until XX/XX/2019, would place the first {$1000.00} in a suspense account. When the second {$1000.00} was received, Caliber would then apply the {$2000.00} to the {$1800.00} due and credit {$140.00} to principal. This practice is in accordance with our mortgage documents and the disclosures provided on Caliber Home Loan monthly statements. 


In both XXXX and XX/XX/2019, Caliber applied the first {$1000.00} payment to additional principal, rather than place the funds in a suspense account. When the second {$1000.00} was received, it appeared that the monthly mortgage payment was short by {$850.00}. Collections calls began on the XXXX of XXXX and XXXX. In both cases, we spent extended periods of time on the phone with Caliber telephone to correct the payments so they are posted and applied accurately. 

Caliber Home Loans is in violation of our mortgage agreement and is providing deceptive disclosures to their customers on their monthly account statements. The teller we spoke to on XX/XX/2019, XXXX, stated on our call that this is a known problem being experience by a number of customers

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Results Unlimited, Inc.
State: VA

Complaint narrative:
Results Unlimited Inc. LLC has been harassing me since Ive contacted them about a letter I received. On XX/XX/2019 I received a letter from them stating that I owed them a debt from XXXX XXXX in the amount of {$2300.00}. This amount is news to me being that when I called the apartments they have no file on my stay there so where this amount came from isnt proven. I have then on the same day received another letter from them stating a complete different amount. The amount in this letter was {$2400.00}. Again this was the first time I heard of this. Last I spoke to someone from this company was on XX/XX/2019 and was told that if the debt wasnt collected that they could start garnishing my paychecks on top of taking my taxes. And after speaking to them and not coming to a conclusion, I will now make an effort to file a civil suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
LVNV FUNDING LLC reported an incorrect account to my XXXX  Credit Report and was unable to verify that the debit was mine along with not being able to validate this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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: UT

Complaint narrative:
Equifax is reporting a medical debt I do not owe. " NON REPORTED '' debt. This debt is not mine and it is also past the statute in CA. This account needs to be removed off of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
Sent a certified letter to CMRE Financial Services to get validation of debt. Upon receiving a response from the collection agency, they then provided me with the details of my medical bill which they are in direct violation of HIPAA regulations. I have not now or ever signed a HIPAA form to authorize CMRE Financial Services to have access to the information. I then asked for them to remove my account, cease collection & cease reporting for violating my rights.

CMRE Financial Services refused to remove account and continues to report this information,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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: GA

Complaint narrative:
XXXX XXXX Last four of SSN : XXXX Last month, I missed a phone call from an agent at capital one, they left a voicemail requesting for me to call back. I was concerned at why they would be calling so I checked my account to see what was going on with it and realized my account had been restricted. I contacted customer service immediately to rectify the situation and was advised that I needed to send copies of my i.d . front and back as well a signed copy of my social security card. The first manager that I spoke with advised that if I uploaded my documents that day that I could call back and ask for a manager for them to do a live review and to release the restriction. When I called back, I was advised that they would not do a live review for me and that I would have to wait 7-10 business days. I patiently waited and never heard back from anyone. I called  again asking for the restriction to be lifted and was advised that they would not do so until they have received copies of i.d . and ssc for every authorized user on my account. I let the representatives know that they could simply just remove the authorized users from my account as I have contacted them and they were not comfortable in doing so and legally, they do not have to provide me such information as that is their personal vital information and they are not legally responsible for the account. To date, Capital One has not given me any formal reason to why my account is restricted. I have had this account with them for a year and would like to continue to utilize my account. I have done my end of cooperation but I can not provide them anyone else 's vital information without their consent. My account is still restricted and it is unjust.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Doctors promotes 0 % interest finance on XXXX, in this case, XXXX XXXX.  They tell you it will be 0 % for over 2 years 24 months. What they dont tell you is that is a deferred interest financing. The financing Company, post a minimum payment that should be made, a lot less if than the required amount to be cover ( assuming all 24 payments are made ) misleading the borrower to miss the promotional deadline at a 29 % interest rate. Its out of this world that you borrow XXXX and end up paying XXXX just on interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX I have some addresses and some inaccurate items on my credit report that needs to be fix. I need the following addresses removed from my report they are not mine : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX My name is XXXX XXXX XXXX, please remove any other spellings of my name. 
the following phones numbers are not mines please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX-XXXX ( XXXX  ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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: LA

Complaint narrative:
I HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THROUGH THE INFORMATION IS 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
Consumer complaint received 2019-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax : Today XX/XX/XXXX problems continue. I tried on XX/XX/XXXX, and XX/XX/XXXX to get my credit report. The Equifax program failed both times. As a result it shows that I received the report on me 2 times. But I never did. It will not permit another intent.Due to Equifax failures I have not had an up-to-date / valid report from Equifax in years. Equifax would not update / correct my residence address even though I submitted the requested forms in the format requested. The last address they listed was in XXXX - a mail service which I have used. They muttled that too. 
The reason for request is that there is a fraudulent collection report for something in the USA when I have not lived in the USA for years! The online Equifax dispute program does not function because Equifax shows a " File Blocked For Promotional Purposes ''. What? 
I have an ID & password with Equifax. That should permit me to do all that I need to do. 
The Equifax telephones ALSO DO NOT FUNCTION to talk to an agent. 
Also, I have lived in XXXX for 23 years. XXXX has its own credit system. The only info which Equifax may legally have related to me is historic. 

Also, I have just learned that I am a victim of the Equifax XX/XX/XXXX data breach. This further entitles me to assistance clearing up errors in their files.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: AR

Complaint narrative:
Re : Account XXXX closed without any answer? Except the same copy and pasted response to 1000s of other people with a different date! Have you researched this company? There is actually an attorney that specializes in this company an sues them for deceptive practices. They did not ever verify this debt in any way the first time! Thats why it was deleted. They even said in their response that the original creditor wanted to try and collect again after almost 6 years? The statute of limitations in Arkansas is 2 years for medical debt anyway. Plus if I had any medical bills in 2014, which I didnt, it should have been paid by my medical insurance. Im NOT contacting you or this so called original creditor for anything! However I will be consulting with an attorney. If this isnt resolved immediately. Im tired being harassed about this medical bill and/or the OTHER medical bills you threatened me with in the last complaint response and being a victim of unverified debt and credit damage!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I secured a credit card from " Care Credit '' to have my wisdom teeth removed in XXXX of XXXX. The card carried XXXX interest if paid by XX/XX/XXXX. That date of no interest was increased to XX/XX/XXXX. The card/debt was PAID IN FULL on the XXXX of XXXX. The company continues to call me ( 4-8 times  DAILY ) to make demands of interest charges ... that total even more that the original use. The card was used ONCE, XX/XX/XXXX, for the removal of my wisdom teeth. It was then destroyed. I contacted them ( Synchronity is their 'financial ' hound ) and told them the card had been destroyed. The charges continue to accrue. I have all the emails from both Synchronity and myself stating that they would drop all interest charges if paid by XX/XX/XXXX. Today, they have finally replied to an email of last week saying that there is some confusion and they won't drop the interest charges.

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 2019-10-17 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: LA

Complaint narrative:
I HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THROUGH THE INFORMATION IS 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
Consumer complaint received 2019-10-17 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: LA

Complaint narrative:
I HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THROUGH THE INFORMATION IS CORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/19, XXXX, company is giving me the run around

Company response to consumer: Closed with explanation