vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-09 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: Mercedes Benz Financial Services
State: OH

Complaint narrative:
I have requested validation of debt from Mercedes Benz Financial Services from XXXXXXXX XXXX XXXX, which is reporting inaccurate and incomplete credit information in a file maintained under my social security number. I respectfully requested proof of this alleged item, specifically bearing the contract, note or other instrument bearing my signature. Under the fair debt collection practices ( FDCPA ), I have the right to request validation of debt. This is a clear violation of the fair credit reporting act, violation of the fair debt collection practices act and defamation of character. Mercedes Benz Financial Services has failed to provide validation within 30 days and I demand that all references to this account are deleted and removed from my credit file. This issue has been going on for months and is causing undue stress. I look to have this matter resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I reported to Experian about the unauthorized inquires on my account. the credit company showed no remorse for my identity being stolen and continued to give me the runaround. please help. XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - nonspecific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 2021

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 2021-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Business Bureau
State: IL

Complaint narrative:
The XXXX XXXX XXXX XXXX University asserts that I owe medical bills in connection to my daughter who resided with her mother XXXX XXXX XXXX last known to reside at XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX ) at the presumed period of time. 

They have since damaged my credit during this COVID-19 pandemic, hurting my ability to qualify for housing ( which requires a credit check ) or employment. 

Such actions during this national emergency are not generally allowed. However, at issue here is that the debt is not mine to begin with. 

The agency now adversely attacking me is : The Medical Business Bureau XXXX XXXX, IL XXXX ( XXXX ) XXXX I ask for an immediate reversal of adverse credit reporting directed against me and for a correction, as this is not my debt - and for such relief available to me under the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Hi Team, I was having a walmart store Synchrony bank credit card account ending with XXXX till XX/XX/XXXX. 

Now walmart is not working with Synchrony bank. 

I already closed this account with no due, now I need my last statement i .e XX/XX/XXXX from Synchrony bank for warranty claim of another purchase I did using that card in XX/XX/XXXX. 

I tried calling many times synchrony bank ( After long IVR menu ) and they transfer my call to another department and disconnect my call without providing any help, when I ask for this statement ( as they are not working with walmart anymore ).

Walmart does not have credit card details so they can not help on this.

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 2021-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I have a checkings account with Wells Fargo Bank, and I keep receiving emails from them charging me overdraft fees for debit transactions that were paid. I received an email from Wells Fargo on XX/XX/XXXX stating two transactions that posted XXXX XXXX XXXX XXXX XXXX for {$63.00} and XXXX XXXX for {$13.00} overdrew my account on XX/XX/XXXX and I was being charged a {$35.00} overdraft fee. My XXXX XXXX XXXX payment is setup to be automatically withdrawn every month, and I had over {$200.00} in my checking account to cover the cost of these transactions. I called and spoke with XXXX, Wells Fargo Representative on XX/XX/XXXX. XXXX removed two overdraft fees {$70.00} total, and I asked to have Overdraft Protection removed from my account. I received another email from Wells Fargo on XX/XX/XXXX stating a transaction that posted XXXX XXXX for {$62.00} overdrew my account on XX/XX/XXXX and I'm being charged a {$35.00} overdraft fee. My XXXX  payment is setup for automatic withdrawals every month, and I did have funds in my account to cover this transaction. I called and spoke XXXX on XX/XX/XXXX in which, I explained that that all three transactions were covered and that I should not have been charged an overdraft fee. XXXX stated that I had a balance of {$6.00} when the XXXX XXXX  transaction was made, but that's not true at all ... I had a balance of {$86.00} which left me with a balance of {$24.00} after the XXXX XXXX transaction of {$62.00}. I stated to XXXX that I wanted to file a complaint because Wells Fargo is trying to scheme myself out of money, and they tried to scheme me in the past the very same way. Also, I stated to XXXX that I was going to submit a complaint with CFPB. I was placed on hold and never transferred to someone to file a complaint, and the call abruptly ended. Wells Fargo Bank previously had lawsuits filed against them for breaking laws, and now I'm extremely concerned because I have Direct Deposit setup with 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 2021-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I purchased a home in XX/XX/XXXX. As part of the mortgage escrow was selected and has been paid every month. In XX/XX/XXXX I noted that the property taxes had not been paid as outlined in the escrow agreement. I contacted PennyMac when I noticed that taxes had not been paid and let them know they had not been paid. They indicated on the first call that they inadvertently set up escrow to be paid on XX/XX/XXXX which is not in alignment with the county 's notice of when payments are due. In addition they committed to expediting the payment. It has now been 3 weeks and four conversations with continual promises to expedite payment. I've followed up each time and found the payment has not been expedited and in fact it is still not paid. A fine of approximately {$2000.00} was levied on the property. I feel there is some level of incompetence or fraud occurring with the escrow process at PennyMac. There has been no contact directly with me and I've asked each time to be notified when it was paid and have never received a call. I view this as a breach of fiduciary responsibility and as I stated I'm questions if there is some level of fraud or just basic incompetence occurring at PennyMac.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP
State: CA

Complaint narrative:
Bank has not extended options for help during pandemic. Covid-19 has affected my ability to pay debt on credit card. I have asked twice, and both times received a message of not being eligible, once in mid pandemic and again today. I believe my account is on a list, where no one can help, because usbank also chose to close my accounts for no good reason. I have made payments, but do know other cardmembers have been offered help during these times.

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 2021-02-09 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: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
I have requested validation of debt from FABCO from XX/XX/2020XX/XX/2020, which is reporting inaccurate and incomplete credit information in a file maintained under my social security number. I respectfully requested proof of this alleged item, specifically bearing the contract, note or other instrument bearing my signature. Under the fair debt collection practices ( FDCPA ), I have the right to request validation of debt. This is a clear violation of the fair credit reporting act, violation of the fair debt collection practices act and defamation of character. FABCO has failed to provide validation within 30 days and I demand that all references to this account are deleted and removed from my credit file. This issue has been going on for months and is causing undue stress. I look to have this matter resolved promptly.

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 2021-02-09 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: PA

Complaint narrative:
EQUIFAX is continuously reporting false information. 
I have 3 accounts in collections that are PIAD and CLOSED XXXX  and XXXX  have removed these accounts XX/XX/2020 I have summitted 6 DISPUTES about these accounts and EQUIFAX continues to report incorrectly. 
I have contacted the collections agencies and they said they are reporting the accounts as closed and paid and do not understand why EQUIFAX is not reporting correctly. 

I have called and spoken to 4 different agents at EQUIFAX all whom tell me to dispute again. 
My score is being severely affected and they are purposely reporting incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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 — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
CBNA ( Citibank ) provided me with a letter through my mail and said that the account is not fraudulent. I had filed a police report about this account and they did not provide me with anything that this account is proven to be mine, they have nothing bearing my signature or anything to prove that this account is mine. This was really hurting my credit and I have been disputing it and you have yet to provide me with any proof! I am trying to buy a home so I had no other option than to pay the account so I could get my credit scores up. This account was never mine and it was ridiculous that I paid it in the first place. I am asking that you provide something bearing my signature about this debt or remove this account from my credit file all together. I am very disappointed with how this situation was handled and if this is not corrected I will be contacting the Attorney General for you not taking this fraudulent activity seriously.

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 2021-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been disputing incorrect late payments with the bureaus since XX/XX/2020. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/2020 to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either.

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 2021-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Credit report is showing 3 30 day late payments on my XXXX  credit card for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Tried to mail the creditor a letter to get it fixed in XX/XX/XXXX unfortunately lost their response letter but no change on my report. I have done multiple disputes with the creditors on their websites and even worked with a credit repair company. No changes on all responses. Stating disputes were verified. Payments were posted to that account those months. Account is on and was on autopay. I attached verified prove of dates and amounts of the payments on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
i having been pre paying my flood insurance for many years and the lender is forcing me to escrow this account that has been paid in full. i contacted them going back to XX/XX/2020 and keep getting the run around but they continue to add/force additional escrow to already paid insurance. the amount as of this date is {$540.00} and each month additonal money is added to the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA
State: NY

Complaint narrative:
Account # XXXX I had a loan with Fed loan. The loan amount was taken out of my taxes years ago but it still remains on my credit report. Please remove ASAP. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been disputing incorrect late payments with the bureaus since XX/XX/2020. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/2020 to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In XX/XX/2020 I was given a {$3000.00} line of credit with XXXX XXXX with a lease agreement to make a payment each month that is directly debited from my bank account. This company has not reported to Transunion since XX/XX/2020 although I have never missed a payment. I paid off the remaining balance on the account and asked XXXX XXXX to submit notice to Transunion and they failed to do so. On my credit report it appears as if I have a high balance and that is not the case. When I called XXXX back I was told the account was reported as closed and I informed them that reporting an account as closed negatively affects a persons credit report and it should be reported as paid in full instead. XXXX stated that if I no-longer am wanting to purchase utilizing the funds available then they have no further business with me. I attempted for the 5th time to have this disputed with Transunion and XXXX and the issue has not been resolved and is still appearing on my credit report as a high balance when in fact there is no balance. I also filed a complaint with the XXXX  and also noticed that the reviews there are quite similar to my complaint. This company targets low income people and then seeks to destroy your credit when you pay off your account and they are not able to box you into a long term lease to charge you double of what the original item cost.

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 2021-02-09 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: OH

Complaint narrative:
I have requested validation of debt from Nissan-Infiniti from XX/XX/XXXX-XX/XX/XXXX, which is reporting inaccurate and incomplete credit information in a file maintained under my social security number. I respectfully requested proof of this alleged item, specifically bearing the contract, note or other instrument bearing my signature. Under the fair debt collection practices ( FDCPA ), I have the right to request validation of debt. This is a clear violation of the fair credit reporting act, violation of the fair debt collection practices act and defamation of character. Nissan-Infiniti has failed to provide validation within 30 days and I demand that all references to this account are deleted and removed from my credit file. This issue has been going on for months and is causing undue stress. I look to have this matter resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dynamic Recovery Solutions, LLC
State: FL

Complaint narrative:
Received notice of amount owed to XXXX credit card from 2015 that I did not have. I was given a reference number and the four last numbers of credit card and name of collection company and outstanding balance owed. I called the collection company and asked for more information, to which I have not received. The amount asked for is {$4700.00}. The credit card is XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09 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: Monterey Financial Services LLC
State: AL

Complaint narrative:
Monterey Collection Services is reporting inaccurate information on my XXXX  credit report for a company called XXXX XXXX. The company is reporting one balance to the credit bureau, but sent documentation to me with a completely different balance. The balance being reported to XXXX  is higher than the true balance. This is a violation. I have disputed the information twice with XXXX. Monterey Collection Services verified the balance as accurate twice, which it is not. I have attached documents proving the difference, the violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RMA Credit Association
State: TX

Complaint narrative:
This company has added this debt to my credit report after being resolved and removed from my report months ago. This company continuously add on additional amounts when adding this debt on to my report. I have made several attempts at contacting this company and the bureaus to have this removed ( in which it was removed and was placed back again ). This debt is 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 2021-02-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lockhart, Morris & Montgomery Inc.
State: TN

Complaint narrative:
I have reached out to the company several and they have failed to respond to my complaints as well affidavit of truth. you are a 3rd party debt collector ( Lockhart Morris & Mo ) you are allowed to collect on a debt but not my personal information .this is a violation of my right according to the fdcpa title 15 usc 1692 2.in your bill alleged i owe this debt thats a violation 15 usc 1692 b2 3.15 usc 1692c c3 you called me at my place of employee harassing me and using profane language at and on convent time 15 usc 1692D 4.you have repeatedly called my phone when i notified you to cease all communications 15 usc 1692D 5.you threaten to sell my property this is a violation 15 usc 1692e 6 you know legal right only the power of a natural person can sue this is a violation 15 usc I this has no greatly harm my consumer report 7.15 usc 1692j deceptive forms you made this contract seem as though i owed a debt see statements you have sent out 8.15 usc 1692 k civil liability any violation found in a case is 1,000 per individual violation.

I have provided and ftc report according to section 605 b of fcra this item should be blocked within 7 days i have included it in my complaint. 
your company is criminally and civilly liable and demanding remedy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation