vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-19 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Mercedes Benz Financial Services
State: NJ

Complaint narrative:
I received several calls from an XXXX about a car that my husband financed through Mercedes Benz Financial. I was told that the car was under the corporate name of XXXX XXXX - a business my husband & I used to own together. I advised that I was unaware of the debt and that I would contact my husband in reference to the said debt. I did. I spoke to representatives on two more occasions telling them that my husband expressed that he would like to keep the vehicle and pay the back owed monies. I was told that this was not possible. I later discovered through conversations with my husband that this vehicle was not finance through the business at all. Please note : I did not finance this vehicle at any time and did not sign any agreements with Mercedes Benz Financial. I was given financial information on what was owed on this XXXX XXXX, however I am not the owner of this vehicle, nor the borrower, nor a co-signer. 

On XX/XX/XXXX my husband came home and told me that the Co-Assistant Scout Master of our local Boy Scout Troop ( of which we are both leaders ) told him and handed him an email from XXXX XXXX of XXXX XXXX. This email went out to our entire troop and reads : FILE # XXXX / XXXX XXXX / XXXX XXXX XXXX My name is XXXX. I'm with XXXX  XXXX. I'm contacting you on behalf of Mercedes Benz Financial, requesting location information for a XXXX XXXX XXXX, and/or XXXX XXXX / XXXX XXXX XXXX. 

If you have retained an attorney to handle this matter, please provide their contact information. You can reach me at XXXX. You can reach Mercedes Benz Financial at XXXX. Please reference your file number upon contact. 



-- Thank you, XXXX XXXX XXXX XXXX  XXXX I should NOT have been included in the attempt to collect this debt and be named in connection to this debt. In addition I believe my privacy rights were violated by this debt collector and is slanderous & liable - as it is implied that I have an outstanding debt with Mercedes Benz Financial, and I DO NOT and NEVER did!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I have had a Sears credit card for over 30 years. I recently found out that Sears had sent me at least two new Mastercards under their Citibank ShopYourWay Credit Card program when I got a bill for {$650.00} on a card that I did not request or received. Now after logging in to my Sears account, I found out from letters stored in the inbox that in XXXX, they sent a notice that the old Sears accounts were being migrated into new Mastercard ShopYourWay Credit Card accounts through Citibank and that these cards can be used at Sears and other stores where the old cards could only be used at Sears. I did not get the card, or it I did, did not recognize it and cut it up. In XXXX, another letter was put in my inbox that said that since I did not activate the new card, they were closing that account and sending me another card with another new number. It is that card that was used by someone on XX/XX/2019 at XXXX in XXXX, MA. I have reported this to Sears -- they are doing a fraud investigation but keep giving me different dates of completion. And they now have sent me yet another Mastercard and transferred the disputed balance to that new account that I did not request or want. In fact, I have asked them to close all accounts including the original Sears card account which was still open and active ( XXXX balance ). So now they moved the disputed balance back to the card where the charge was made but have left a {$39.00} late charge on the newest account -- even though I never activated it. I only ever activated or used the original Sears card account and have not used it for several years and had a XXXX balance for years. Citibank is issuing these cards without me requesting them, and allowed a charge on one that had never been activated, and continues to not close accounts I asked to be closed, to charge late charges, and to open yet another new account. They have caused me to be an identity theft victim, they have caused my credit score which was very high, to fall 15 points, and I keep having to contact them and they give me false information.

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 2019-12-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Berlin-Wheeler, Inc. (Kansas)
State: VA

Complaint narrative:
* On XX/XX/2019 paid {$160.00} balance on account with XXXX XXXX * On XX/XX/2019 returned all equipment to XXXX XXXX after I had stopped the service. 
* On XX/XX/2019 received letter dated XX/XX/2019 from Berlin-Wheeler, Inc ( BW ) collections agency demanding payment of {$270.00}, in full for past account balance and for equipment charges on behalf of XXXX XXXX. 
* On XX/XX/2019 spoke to XXXX and they were going to check into the issue. 
Spoke to BW on numerous times and informed them that XXXX was looking into this issue. 
BW told me that as long as XXXX is researching the issue they will hold off on further collections activity. 
* On XX/XX/2019 XXXX credited my account and promised to continue the research of the lost returned equipment but asked me if I could pay the full balance remaining so as to stop the collection activity and promised that XXXX will credit back the payment when they find the equipment. XXXX wanted to do this because I continue to maintain in good standing another XXXX account in my present home. 
As such, on XX/XX/2019 I paid by VISA credit card the full remaining balance of {$210.00} with XXXX. 
* XXXX assured me that the payment has been immediately reflected on the account and BW will be notified of the satisfaction of all outstanding balance and fees on their online account systems and will stop collections activity immediately. 
* I have contacted BW after the full balance payment to XXXX and they acknowledged that they do see that the full balance payment has been made. 
* However, Berlimn-Wheeler ( BW ) filed a negative Credit Report on me and has continued to file negative Credit Report updates on my account and has refused to stop reporting unless I make a payment to them also. 
* I am hereby requesting that Berlimn-Wheeler ( BW ) to stop filing false and derogatory and negative Credit Reports on me and for falsely demanding payment  when full payment has already been made.

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 2019-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Choice Recovery, Inc.
State: FL

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 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: General Motors Financial Company, Inc.
State: TN

Complaint narrative:
GM Financial indicates that they have charged off an account on my credit report, but are still reporting a past due balance and balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 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: PA

Complaint narrative:
XXXX XXXX  XXXX Amount XXXX Open XX/XX/19 Fraudulent account just received first collection letter in mail on XX/XX/2019 from XXXX  This account from XXXX was handled by a different company and has been paid up to date already I talk to XXXX they said they never sent account to XXXX  XXXX  they dont no how they got this account because account it paid and aargon is fraudulent

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 2019-12-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: E*TRADE BANK
State: VT

Complaint narrative:
I tryed to transfer money from XXXX XX/XX/XXXXto etrade bank. Transaction did not go thrue and etrade bank put restrictions on my accounts and making unreasonable demands. 
I already call on phone and send documents they requested but they started demand new statements after it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Finance of America Mortgage LLC
State: TX

Complaint narrative:
XXXX XXXX I emailed XXXX XXXX XXXX ( branch manager Finance of America , LLC at that time now he is affiliated with XXXX  XXXX XXXX  : XXXX IN. ) about down payment assistance program for 1st time buyer. He called me same day and advised we have a program that helps with up to 30k for  down payment and closing cost. He said it was called the Chenoa Program.  Requires to take a buyer 's course and have a XXXX credit score. 
XXXX XXXX-I signed contract with XXXX XXXX base price XXXX. ( after studio options price is XXXX options paid to XXXX  upfront ). Earnest Deposit XXXX XXXX XXXX I received a preliminary closing disclosure and my realtor pointed out to me there is a down payment amount. XXXX and his team kept deceiving me and never would answer my question until I spoke with him on XXXX. 
XXXX XXXX Discovery Period FHA documents had incorrect information XXXX  Sales Consultant requested loan assistant for the Underwriting and XXXX  Questionnaire to be resent with XXXX XXXX XXXX since they changed from Finance of America , LLC . 1st time discovered about the XXXX  questionnaire XXXX and his team never intended to help with the program they offered me. 1st time discovered the underwriting docs had me listed with 2 retirement accounts which is incorrect. 
XXXX XXXX I called XXXX ( down payment assistance ) directly and spoke with Rep. he advised that Finance of America , LLC is part of their lender list and XXXX   XXXX XXXX  is not on their lender list. 

While building the home there was never disclosure of the loan type in detail, Loan estimate, lender change or affiliation notification, down payment assistance program and accurate disclosure statement. 

This is very deceiving to me as the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: NCP Finance
State: TX

Complaint narrative:
NCP Finance Limited Partnership have called me several times pretending to be someone coming to serve me papers about a debt I supposedly owe. I have voicemail messages to verify this. They have also called my grandmother, pretending to be a judge with my casefile looking to discuss my case with me. The one time that contact was made, I was spoken to very aggressively and in a condescending manner. I was never told the details of the alleged debt, as they were too busy trying to scare me into making a payment right a way and threatened to sue me if I did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 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: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
Carrington bank and XXXX XXXX  are reporting remarks that state " reaffirmation of debt '' this is in accurate information it was just reported by carrington bank XX/XX/XXXX to all the credit bureaus i have disputed with XXXX  and XXXX  this remark should not be on there in addition, XXXX  is showing the same remark from XXXX  XXXX   which that account was sold to carrington in XXXX of XXXX. I filed bankruptcy in XXXX and it was discharged in  XXXX but this remark appeared when I tried to dispute some late payments through chase in XXXX of XXXX and now chase sends a " file '' to carrington which when i called they couldn't tell me what was in it and marked all of my credit reports with the remark " reaffirmation of debt '' under remarks with carrington and they refuse to take it off. This has dropped my credit score 63 points on the XXXX of XXXX and in XXXX of XXXX when XXXX did it my score dropped 79 points with transunion My mortgage now with carrington is NOT late nor has it ever been late ... I have never signed a reaffirmation of debt with carrington and I am NOT going through a bankruptcy I am trying to fix my credit and it was on a good track and this destroyed it I have no idea why this was added and I want it removed carrington is refusing and this is inaccurate information. 

I have submitted a copy of my discharge paper from XXXX and I must have done some kind of reaffirmation with chase at that time I kept my home but this is well past the statue of  limitations and XXXX should not have added that comment in XXXX of XXXX ... and we did not do this with carrington they just bought our loan in XXXX and I am not currently going through a bankruptcy so why did carrington add this? 

I have also included the original letter i sent to chase in XXXX of XXXX to ask for late payments to be removed and this is when the reaffirmation of debt appeared on my chase remarks this letter has nothing to do with reaffirmation of debt i was asking for late payments to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
Citizens One Home Loans collects my mortgage payment every month online. I schedule my payment beforehand to make sure it reaches on time. However when I schedule the payment, it does not show up online. I have brought this issue up with the company in writing many times, however they have not done anything about this issue. 

Often I forget whether I have already scheduled the payment or not, since there is no way to check online I have often ended up paying more than once in the confusion. Both payments are then locked in, the online system has no option of canceling the extra scheduled payments either. 
This ties up my household finances, mortgage is a huge expense for us. 

My complaint is that all other online portals, e.g., credit card companies, always show clearly when a consumer has scheduled a payment. The same standard should apply to a mortgage company. 

If I schedule a payment, it should be recorded and be clearly available for me to see somewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2019 a charge was made to my credit card by mistake. When realized, the company was contacted and placed the charge on the appropriate persons cc, and tried to credit mine back. On XX/XX/XXXX the merchant tried to refund my account, but it was denied. On XX/XX/XXXX my bank acct was drafted, but I did not have sufficient funds so I received charges and interest penalties. When I became aware, I contacted the bank and the merchant. The merchant tried to credit the card again on XX/XX/XXXX, and again it was denied. They told me to dispute the charge with my cc company, and they would accept the charge back. I did this. After talking with multiple representatives and being told various lies, the charge is still on my card and nobody can give me an answer. I was lied to, being told the charge would be removed during the dispute process. It was not. They charged me for the amount again, and keep giving me different answers. The charge in dispute was for {$1800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Care Credit indicates that they have charged off an account on my credit report, but aren't accurately reporting.

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 2019-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BB&T CORPORATION
State: VA

Complaint narrative:
Back in XX/XX/2019, while traveling to Maryland I used the XXXX XXXX  ATM. The ATM 's there have no surcharge and this is why I chose to use them. Shortly thereafter while checking my bank account I was informed that the {$3.00} fee was deducted from my account. When I asked why, I was told by the representative that the fee was deducted because I used a non BB & T ATM.

First of all I have a BIG problem with this!! I go to work EVERYDAY and I have the money which I work hard for place into my checking account from my employer. This money comes from the XXXX  XXXX  for which I work, NOT FROM BB & T!! I was appalled to hear this. This is robbery at it's best!! I have inquired numerous times about this and no higher up has called to explain why or to tell me that money will be refunded. If a person uses XXXX XXXX or XXXX XXXX, yes I understand that there will be fees, but not for a non surcharge ATM. 
I will be very vocal about this and closing my accounts. XXXX XXXX  XXXX a wonderful customer service institution has my vote. Perhaps BB & T or XXXX  can take a hint from true banking ... they aren't being truthful I can tell you that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
i recently pulled by credit report and notices credit inquires that i do not recognize, unauthorized and NOT mine. i must have been the victim in a cyber hack or identity theft. 
these non-account holding inquires with : jpmc b card, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX- XXXX XXXX-XXXX XXXX XXXX. Are NOT mine, i do not recognize and did not authorized. these inquires are fraudulent. to my knowledge, i have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FRCA ) sec, 1681b ( c ) : transactions NOT initiated by consumer.

Company response to consumer: Closed with explanation