vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
I received a settlement agreement from XXXX XXXX XXXX XXXX XXXX for a debt with Nissan Motor Acceptance Corp. When I spoke to a representative from XXXX, they confirmed that if I paid the settlement amount the account would be considered paid in full and removed from my credit report. I paid the amount on XX/XX/XXXX but I received a letter from Nissan Motor Acceptance Corp that I had to pay another {$180.00} and as of today, the account still shows on my credit report. I would like the account removed as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
What happened? 

I used PayPal to send {$6000.00} to a company called XXXX in the XXXX XXXX for tuition purposes, then found out that the company is a scam and operates fraudulent accounts. I filed a claim with PayPal and they are not making any effort in getting this resolved. Below is the complaint I sent PayPal about XXXX who I sent my money to : Complaint about XXXX  I sent money to open a XXXX XXXX XXXX/package and was assigned a fraudulent Account Manager, XXXX XXXX who tampered with my account and misrepresented the balance in my account. A Complaint was made to XXXX XXXX and XXXX XXXX CEO of XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX.I still have not gotten a response concerning this fraudulent transaction. I was assigned an Account Manager who embezzled money from my account. This is part of payments totaling {$6000.00} to XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. for tuition and training that turned out to be bogus, and was assigned an Account Manager XXXX XXXX who embezzled money from my account. When I found out what was going on I sent an email and he replied there was an " MTS malfunction '' I have no idea what that means. I would like a full refund of all the monies paid to XXXX. I do not trust this company. I used PayPal as a vehicle to send my money to XXXX. PayPal seems to be doing business with fraudulent companies and is turning a blind eye when customers complain about the fraudulent transactions. XXXX is a fraudulent company and also operates under the names/ is affiliated with XXXX and XXXX. Please let consumers know about this company 's notorious reputation for scamming innocent people out of their hard earned cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
I leased a vehicle from Mercedes Financial between the dates of XX/XX/XXXX and returned it as scheduled on XX/XX/XXXX. 
During the course of this lease I made every payment on time and in full serviced the vehicle at dealer as recommended and stored it in a garage when not in use for its safety. 
I asked for extra mileage words the end of lease from XXXX XXXX and associate at Mercedes Benz in XXXX XXXX. He assured me that it was not a problem to relax and enjoy the car that he would take care of it. 
I returned the vehicle in " like new '' condition in fact the sales representatives present said it was the cleanest return they had ever seen. 
They became agitated with me when I told them I did not want another Mercedes and I just wanted to return this one and leave. 
They told me I owed {$1600.00} for overages of mileage I offered to pay but I was told I had to wait for vehicle to be " processed '' this prevented me from being able to purchase another vehicle because I couldn't responsibly budget my next down payment until I had satisfied this outstanding lease fiasco. 
I visited the dealership seven different times and called at least three dozen times pleading with them to " process '' me car so I could move on. 
I finally received a letter on XX/XX/XXXX one whole month after returning the car " and it had been used and moved to new owners by dealership '' The letter states that I owe {$3000.00} this amount is double what I was told by manager of dealership when I dropped it off. 
So at this point I told them I'd like to purchase the vehicle and sell it on my own. They became very angry and said that the vehicle was no longer their it had been sold. I asked how it had been sold while it was supposedly being " processed '' and they just ignored me and left me sitting alone for over an hour I the lobby until I finally became frustrated and left ... 

Nightmare ordeal especially since I have perfect credit and fulfilled my obligations without fault. I believe they were retaliating against me for wanting to buy a different brand vehicle ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivable Recovery Services, LLC
State: OR

Complaint narrative:
I just received an email from XXXX XXXX stating that my credit score has dropped. I investigated the issue. I found a new collection account from  XXXX XXXX XXXX in the amount of {$1000.00} from the originating claimant of XXXX XXXX XXXX XXXX. According to the information provided the collect account was opened XX/XX/XXXX ; however, I check my account with XXXX XXXX bi-monthly and this email of notification of a new collection account was just received this morning at XXXX XX/XX/XXXX. 

If this account was open XX/XX/XXXX, I was denied my rights to Section 809 of the FDCPA. I have never received any written notification from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 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: AZ

Complaint narrative:
My XXXX XXXX XXXX XXXX credit card account : XXXX, is lost/stolen. I lost my credit card on XX/XX/2018. There are fraudulent and unauthorized charges on the account that arent mine. I want XXXX XXXX  to immediately close the account, and issue me a new XXXX XXXX  XXXX XXXX credit card account number and card. I did apply for the XXXX XXXX XXXX XXXX credit card. Every card I have with XXXX XXXX, I did apply for the credit card accounts.

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 2018-05-06 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I deposited XXXX loan check through XXXX XXXX Texas Bank of America atm for {$1000.00}. The check was put on hold and Im unable to access money. The day of XX/XX/XXXX. The hold states it will be released the day of XX/XX/XXXX. This is unacceptable as I have pending bills. I would like to submit complaint on this hold procedures for Bank of America and will be searching for another financial institution.

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 2018-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
I never had a contract with cavalry Portfolio Services and I do not owe XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On the first week of XX/XX/XXXX at my XXXX XXXX ( XXXX county, CA ), I tried to log on my Bank of America account via internet provided by XXXX. 
The site would not let me log online unless I answered the following questions first as they were shown on a new window that popped up : 1. Do you have double nationality 2. Are you an agent?

I was concerned and by innocence answered both questions with NO. Thereafter I could access my account information.

I log off and then tried to log on my Bank of America account again and a window appeared saying that I did not have a double nationality.

I could continue then checking my accounts information. 
This seemed to me as an attempt to gain access to my B of A account data and after some time to reflect I decided to call the Bank of America Legal Services or other proper assistance. I definitively waited too long of a time to take this action, probably a mistake. 
On XX/XX/XXXX, I called Bank of America Privacy Office ( XXXX XXXX ), and they advised that this questions were not generated by the Bank of America. 
On the same day I spoke to a bank Associate ( XXXX ) in the XXXX XXXX Branch ( XXXX County, CA ), and she also commented that she did not believe this questions showing up during my attempt to log on my online account were generated by the Bank of America. 
I am in the process of closing my checking/savings accounts with the XXXX XXXX Bank of America. 
MY concern is that there was never any contact or follow up from Bank Of America concerning the incident and it seemed somewhat negligent to me.

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 2018-05-06 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: AZ

Complaint narrative:
I am a victim of identity theft. I filed a police report with the XXXX County Sheriffs Office. The police report case number is : XXXX, the following account, collection account and credit inquiries are fraudulent, unauthorized, arent mine and dont belong to me : XXXX XXXX XXXX Unsecured Personal Loan, XX/XX/XXXX, XXXX XXXX, XXXX, {$960.00}, XX/XX/XXXX, XXXX XXXX/XXXX, XXXX XXXX   XXXX/XXXX. I been receiving harassing and threatening phone calls of profane language, death threats, threats of arrest and being sent to jail and prison, and threats of legal action taken against me for wage garnishment and losing my job from XXXX XXXX, XXXX representatives for a debt thats fraudulent and dont belong to me. XXXX XXXX, XXXX is in violation of The Fair Debt Collection Practices Act ( FDCPA ) under Federal and State law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I never had a contract with XXXX XXXX XXXX and I do not owe Walmart 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 2018-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
Southwest Credit is a 3rd party collection agency attempting to collect a debt not owed to Southwest. I do not have a contract with Southwest Credit. I receive consistent phones call from this company daily. I have asked for a contract with my signature with Southwest and for proof of debt owed to them. I am requesting this collection be removed from all credit bureaus immediately. It was added last week and needs to be removed immediately, I am asking for all harassing calls to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 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: GA

Complaint narrative:
I called Equifax on Friday and disputed several hard recent inquiries that i did not apply for anything. They gave me a co formation number of XXXX RE : Request Investigation of Credit Inquiry on My Behalf Equifax confirmation # XXXX Inquiries listed are : 1 ) XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX  listed twice 4 ) XXXX 5 ) XXXX 6 ) XXXX  8 ) XXXX XXXX XXXX 9 ) XXXX listed twice 10 ) XXXX XXXX 11 ) XXXX XXXX listed twice 12 ) XXXX XXXX XXXX Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that should be showing on my report. 
Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
This complaint is with my XXXX card with TD Bank.

I was late on one payment and was charged a late fee. The payment was made and now I have been charged fees every month for about a year with the total now being {$300.00}. I called twice to discuss this but the people are very rude, and stated they are not with TD Bank and would not allow me to speak with anyone at the bank.

The initial balance was under {$38.00} which is what their late fee is which I believe is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
Due to Citibank 's unethical, deceptive, and fraudulent billing practices, I have secured an attorney to dispute unlawful charges placed onto my account. Even though the account is currently in dispute status, and is now in litigation, Citibank continues to inflict emotional distress by placing late fees and interest fees onto the account. 

I spoke with XXXX in " Client Focus Services '' on XX/XX/XXXX ; and, XXXX ( from the same office ) on XX/XX/XXXX regarding the status of the account, to no avail. Although both stated that they would update my account by making note that the account is currently in " dispute, '' I continue to get statements with accrued late fees and other fines associated with the account -- all of which is very emotional taxing. 

I went a step further by contacting " XXXX '' in the Executive office about the harassment I am experiencing from Citibank. She was unhelpful, as she continued to reiterate the rebilled charges I should pay -- even though I paid the account in full prior to the due date.

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 2018-05-06 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: Expedite Financial, Inc
State: GA

Complaint narrative:
I called XXXX on Friday and disputed several hard recent inquiries that i did not apply for anything. They gave me a co formation number of XXXX RE : Request Investigation of Credit Inquiry on My Behalf XXXX confirmation # XXXX Inquiries listed are : 1 ) XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX   listed twice 4 ) XXXX 5 ) XXXX 6 ) XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX listed twice 10 ) XXXX XXXX 11 ) XXXX XXXX listed twice 12 ) XXXX XXXX XXXX Dear Sir or Maam, I  recently conducted a review of my credit report, and I noticed that should be showing on my report. 
Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter.

Company response to consumer: Untimely response
Consumer complaint received 2018-05-06 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: GA

Complaint narrative:
I have two accounts with XXXX XXXX XXXX XXXX I paid them both off in XX/XX/2018. Then used one after the payoff which now has a balance of {$2700.00} with {$2200.00} left to use, it has a {$5000.00} credit limit. My second account has a {$4000.00} credit limit with a XXXX balance. I have disputed this with Equifax twice. They sent me a completed result but it would not allow me to login in. Now they have damaged my credit severely by listing that my balance is {$8200.00} showing that I am 207 % over the credit limit and I was unable to apply for credit. This is beyond unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, Your initial questions on the questionnaire, doesn't apply in my case. Let me start by saying that my case was in XXXX, XXXX XXXX, New York court system. I was served a judgment against my part-time job from - XXXX XXXX XXXX, DBA in New York for the balance of {$8200.00} plus interest and I am XXXX years old. The marshal in this case is XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Badge No. XXXX. 

My story started with " Beneficial ' company in XX/XX/XXXX - I took out a small loan and paid them back immediately, then took out another loan, paid monies on that loan and then I lost my job, moved out of XXXX XXXX, XXXX XXXX where I took out the loans - moved to my daughter 's home in XXXX, XXXX XXXX and forward a change of addresses to everyone at the time. Since that period of time, XXXX closed their doors for business and apparently transfer their loans/debts over to 1 or  maybe most broker houses ( not sure ). 

Years after this - a company started calling me - saying, that I owed them money - which I didn't know at the time that they were debt brokers and was calling about an old debt from XXXX - they were given me a new company/ name information that I did not know, I thought that they were a fake company of some kind ) and harassed me by phone at home and my on job - at that time I was working for XXXX XXXX XXXX XXXX as a XXXX in a classroom - they were harassing so badly. After that they started sending " what look like fake court papers '' no signatures here and there, it just look like another form of harassment. So I annoyed these letters and then they contacted my land lady at the time and told her the story - this was in XX/XX/XXXX I believe. 

I would love to send all of the court information that I have about this case, to see if you can help me with the judgment still against my part-time paycheck.. Can you help me. 

Sincerely, XXXX XXXX XXXX XXXX XXXX I work for XXXX XXXX XXXX XXXX, my position - XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Thanks so much XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
XXXX XXXX XXXX To : FSAOperations XX/XX/XXXX at XXXX XXXX   XXXX XX/XX/XXXX at XXXX XXXX To the U.S. Department of Education ; I seek loan forgiveness ( discharge ) based on borrower defense to repayment. 
Currently I have an XXXX XXXX as a XXXX XXXX XXXX XXXX XXXX from XXXX. 
I XXXX XXXX XXXX ( XXXX ) believe the XXXX School committed fraud by doing something or failing to do something, misrepresented its services, or otherwise violated applicable state law related to my loans or the educational services I am paying for. 
The government on Thursday XX/XX/XXXX essentially made the case that XXXX has done that, inviting former students to request loan forgiveness. 
As a current job seeker, I worry that my degree has been discredited. I also consider the cost I am paying way too expensive for what I got from the now defrauded, since-shuttered for-profit chain. 
I fear that my education is being devalued by XXXX 's impending collapse. The schools misconduct forces me into this cause of action because it directly relates to the loan or to the school 's provision of educational services for which my loan was provided. 

Sincerely ; XXXX XXXX XXXX XX/XX/XXXX SS # -- - -- XXXX Address - XXXX XXXX XXXX, XXXX, IN. XXXX XXXX - XXXX ( XXXX ) XXXX email XXXX XXXX - XXXX, XXXX, OH. 
Program of Study - XXXX Recieved - XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) Degree Dates of Enrollment - XX/XX/XXXX to XX/XX/XXXX I am replying to whom it may concern ; Please contact me at XXXX or ( XXXX ) XXXX, have you settled my case? Do I still owe over {$14000.00} on a degree that the Federal Government backed and now the accredited XXXX XXXX no longer exists? 

I need you to verify Navient 's statement : XXXX XXXX XXXX, the payment term for your loan ( s ) has changed. 



Next payment amount : {$130.00} Next payment due date : XX/XX/XXXX This payment schedule replaces all previous schedules for this loan ( s ) and doesn't include any past due amounts. All of the terms of your original Promissory Note ( s ) remain in effect. 

Payment terms usually change for one or more of the following reasons : The deferment or forbearance period during which you have postponed making your monthly payments is about to end.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06 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: MN

Complaint narrative:
On XX/XX/2018, XXXX XXXX XXXX XXXX in XXXX XXXX, Minnesota pulled my credit report from Experian/XXXX XXXXXXXX. My credit score was over 100 points less than what I know my score to be from several other sources. This lower score ultimately affected the rates that this credit union was offering me for an auto loan.

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