vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-31 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mercedes Benz Financial Services
State: VA

Complaint narrative:
On XX/XX/XXXX I spoke with a paralegal at XXXX, XXXX XXXX XXXX XXXX in reference to a debt that was reported by Mercedes Benz Financial institute. This debt resulted when in XX/XX/XXXX a XX/XX/XXXX mercedes benz that was being leased by me was repossessed. The vehicle had 4 months remaining on the lease with a balance of {$1800.00} plus late fees and personal property tax. At that time, the balance to pay the debt was around {$4000.00} On the day that the vehicle was reposessed, I went to the auto tow location where the vehicle was taken and attempted to pay that balance and retrieve the vehicle to return it to XXXX XXXX. Mercedes Financial refused to accept payment, and the vehicle was sold at auction. 

After selling the vehicle, I received a statement from Mercedes with a balance due of {$17000.00}. This amount includes balance on lease, property taxes and fees required to repossess and sale the vehicle plus the amount that represents the difference in the value of the car less the amount the vehicle sold for. The lease that I signed with mercedes clearly states the required payment amount due if in default. 

My complaint is that Mercedes Benz has turned this debt over to XXXX, XXXX XXXX XXXX but the amount due is in error. I have communicated this information with them and I am getting the run around. I wish to resolve this debt as it is affecting my credt, however I am only willing to pay the actual amount that I owe. 

I spoke with XXXX XXXX at XXXX, XXXX XXXX XXXX but I have not been able to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I was recently made aware that I have not received credit for mortgage payments to Wells Fargo that were submitted to the original loan provider XXXX XXXX in XX/XX/2017. I made 4 partial payments in XX/XX/2017 totaling {$1900.00} ( {$480.00} - {$480.00} - {$480.00} - {$480.00} ). 

I reached out to XXXX XXXX to investigate this matter and they could not verify one of the payments ( {$480.00} ).

I reached out to Wells Fargo to investigate this matter and they could not verify two of the payments ( {$480.00} and {$480.00
} ). 

I submitted proof of payment to both companies. As of today I have not been credited for my payments and Wells Fargo has implemented late charges on my account earlier this year when in fact I am one month ahead in mortgage payments. I have been promised updates on this matter from both companies and as of today I have no updates.

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 2018-07-31 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: Navient Solutions, LLC.
State: WA

Complaint narrative:
I called Navient to inquire about late payments that were reported on my credit report as 90 days late in XX/XX/XXXX. It seemed off considering after I'd gone through a detailed record of my loan history ( from my Navient account ) and notice that I'd requested and was approved for a forbearance early in the fall of XXXX. While explaining this to the Navient representative, she looked at my account on her end, she could not explain nor support the reasoning as to why I was reported 90 days late on several loans that were in forbearance. I disputed this information with proof from documents obtain from the credit bureaus as well as documents obtain from Navient itself. Navient has fail to respond in a timely manner with a viable explanation and solution, while time continues to pass with incorrect information that continues to adversely hurt my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-31 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: FL

Complaint narrative:
I have sent in a ID THEFT Report and they placed a fraud alert on my report, but, their are inquiries on my report that I did NOT authorize. <br>XXXX XXXX XXXX XX/XX/2018<br> <br>XXXX XXXX XXXX XXXX XX/XX/2018<br> <br>XXXX XXXX XXXX   XX/XX/2018<br><br>XXXX XXXX XXXX XXXX XX/XX/2018<br><br>XXXX XXXX XXXX XX/XX/2018 <br><br>XXXX XXXX XX/XX/2018<br><br>XXXX XXXX XXXX XXXX XX/XX/2018<br><br>XXXX XXXX  XX/XX/2018<br>I did NOT sign anything.

These inquires need to be deleted from my credit reports as soon as possible

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 2018-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
XX/XX/14 {$940.00} I have sent a debt validation letter to Resurgent Capital Services on behalf of XXXX XXXX XXXX. The company sent me a Account Summary Report with no signature. I do not have a signed contract nor any contract with Resurgent Capital Services. I have never done business with this company. I am not liable for the collection from this debt with XXXX XXXX XXXX. I am not responsible for this debt with Resurgent Capital Services. Fraud alert has been placed on my report multiple times. I'm a victim of identity theft and it has played a part in the account from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
There a few companies involved in this issue. I've never felt so frustrated in my life with any company and I truly mean it. My friends and I decided we wanted to go to XXXX for a mini vacation. My friend found a good deal on XXXX. I was booking for my friend and I and the flight we chose was XXXX, unfortunately. When I went to finalize my trip, it did not go through because I supposedly did not have enough funds in my account. I couldn't understand why. I did have enough money on my account. I then check my BOA account and realize XXXX and XXXX were holding funds before I was able to even book, hence why it said I didn't have enough money. At this point I have tried to book about 5 times over the past 2 weeks and it has failed. That was the first issue. After countless hours on the phone trying to resolved this issue on the phone, which they couldn't help with because I didn't have a confirmation number or ticket number. I decided to give up on booking. As of XX/XX/2018, XXXX is STILL holding {$390.00}. They are holding funds for something that I don't have. I never booked, I don't have any record from their end, all I have is BOA holding funds from a merchant who is XXXX. I've called and even have cried on the phone because I'm so frustrated. This whole process seems super illegal to hold someone's funds without authorization. I have XXXX yr old daughter who needs groceries and I need to pay my bills and they have not been helpful AT ALL. NOT Bank of America, NOT XXXX and specially not XXXX. I feel so helpless and upset that no one cares. XXXX does not want to release my money and says that waiting is part of the process that is totally unacceptable. BOA is not willing to help either even though they are my bank and know the situation. No ones has gone over and beyond to help me. XXXX also has a " sketchy '' partnership with another agency because XXXX mentioned they tried calling and the automated system wasn't even English, it was a foreign company. PLEASE HELP ME! Obviously money is these companies only concern not their clients. Please help me teach them a lesson.

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 2018-07-31 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: FL

Complaint narrative:
I have sent in a ID THEFT Report and they placed a fraud alert on my report, but, their are inquiries on my report that I did NOT authorize. <br>XXXX XXXX XXXX XXXX XXXX XX/XX/2018<br> <br>XXXX-XXXX XX/XX/2018<br> <br>XXXX XXXX XX/XX/2018<br><br>XXXX XXXX XXXX XXXX XX/XX/2018<br>XXXX XXXX XXXX XX/XX/2018<br><br> I did NOT sign anything!!

These inquires need to be deleted from my credit reports as soon as possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-31 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: MI

Complaint narrative:
On XX/XX/18 I checked the balance on my XXXX XXXX Debit Card and it was substantialy less than I thought it should be. After a customer service representative went over the recent transactions I started the dispute process with them. The most recent charges were to XXXX so I called them and they were able to trace my card to an account that was not mine. I filled out the papert XXXX XXXX sent and yesterday got a letter indicating they found no fraud. Clearly they didnt even investigate. I again contacted XXXX who has provided me a letter that these charges were not made by me. I called XXXX XXXX and was told their decision was final and the claim would not be reopened. This is ridiculous! There are other charges to other companies that I am sure were probably made by the same individual. I have filed a police report but they arent doing anything because XXXX XXXX says the charges were not fraudulent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
We are a XXXX XXXX XXXX XXXX. Paypal has locked our account and we have submitted documents proving who we are. They are asking a ridiculous amount of information about the products we have for sale ( XXXX ) and request invoices. We have these in our inventory over the last 5 years in some cases and submitting the required information is next to impossible for us. Some of our inventory was by donation, we don't have invoice records for. 

At the current time they are withholding our funds from withdrawal. 

To the best of our knowledge Paypal did this without any consumer complaints against us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
I have been a customer of USAA for 11 years. According to USAA records, someone called USAA pretending to be me and was given access to my account before withdrawing {$3900.00} from an ATM, which USAA reports is in XXXX XXXX. I live in XXXX, have not been traveling to XXXX XXXX, and did not lose my debit card. I was not in XXXX XXXX and did not provide any details regarding my account or personal data to anyone. I did not lose my debit card. My complaint has three components. First, USAA is refusing to refund my stolen funds claiming it was my fault and they are charging me overdraft credit cards fees to cover the stolen {$3900.00}. I do not see how this can be my fault if I did not make or authorize the ATM transaction. I need to stress, my ATM card data was copied and used for fraud as I had my current card,  which I rarely use, in my possession. The second part of my complaint involves the security of my account. The USAA customer service rep who started this problem did not properly authenticate during the call, allowed a bizarre debit card increase, which I didn't even know was possible, on the phone, and then allowed repeated large withdrawals from an ATM. All of these should of been flagged as they are clearly fraud. The third part of the complaint involves how USAA has handled this claim. Their customer services reps have lied to me reporting '' you are not responsible '' " Your account will be restored soon '' They are now taking money from my Visa card overdraft, and charging me overdraft fees to cover the stolen {$3900.00}. I have tried to remedy this situation for 2 weeks and its appears the situation is getting worse as they keep changing their story, charging me on the stolen funds, and have not even attempted to explore who stole my funds. I would be grateful if your team can help me resolve this situation. If its happening to me, I'm concerned USAA is committing this type of fraud with other clients who may be more vulnerable and unable to voice their concerns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP
State: PA

Complaint narrative:
I turned my leased vehicle in and was told I owed nothing. Shortly after, I began to recieve phone calls during my work hours about my account. I asked the representatives to call me at a time more convenient for me to discus but those calls never came. I then recieve a statement while I was out of town for business. Indicating that if I did not pay a delinquency would be reported toy credit. Before I had a chance to resolve the balance a delinquency was reported. This is now affectiving my work because I am required to maintain certain licensing that had credit requirements. I am also in the process of purchasing a home and this has had an adverse affect of that process. I called XXXX and explained my situation to them. I requested that they remove the late payment and offered to pay the bill in full immediately. I was told they could not help me and I was told by an agent that they tried calling me several times and I was hanging up on them ( which is not true ). I was able to escalate to a supervisor who offered no help. He said it's my responsibility to pay the bill and that he would do nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: PA

Complaint narrative:
My moneygram online account was closed automatically by moneygram security for " security reasons '' and claim that I am permanently locked from using their service online, however am still able to use physical locations. 

The issue is I still have sensitive information stored on that account that was closed. They have my email, name, address, copy of my ID card, credit and debit card information and without access to my account I am unable to delete this sensitive information. 

I do not want such a terrible company to have all that information about me and want all of that information deleted including my account and anything that relates me to their terrible service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Previously I have filed a dispute with TransUnion Credit Reporting service, they failed to properly investigate and verify the entry from XXXX XXXX # XXXX. 
The role of the national consumer credit reporting agency in the dispute process is to review the accuracy and completeness of any disputed items. It appears that TransUnion is rubber stamping what has been placed in their files without verification. 
The original entry was from XXXX. XXXX has stated that they removed the entry on XX/XX/2012, yet XXXX has never updated their entry. Transunion has never verified the entry with the source. 
XXXX  has never replied to my specific request for verification. They sent me a copy of the original XXXX invoice for {$60.00}. No verification. I cancelled the service because it did not work, I had no signal strength. 
XXXX is attempting to use the Credit Reporting system as a collection technique. No specific response to my denial of the debt was forthcoming as of this date. My only source of current information is seeing their name on my credit report. The above is a scheme preying on consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: MT

Complaint narrative:
In XX/XX/2018 I opened a XXXX auto loan with Chase Bank. Today, I tried to make my payment via the telephone and was unsure of whether it had gone through or not. I called in to make my inquiry, and I spoke to, and was transferred to/from, 5 people. Each of these people would not speak to me until I gave them my SSN, make, model, year, DOB, and address. Just to get the understanding that my auto loan payment I made via the telephone was proper, I had to decide this information 30 times. Yup, 30 times. The Chase system is too arduous and too difficult to manage if even I can not access information. Of course, their representatives were horrible and difficult. I further do not wish to give out my private information to call center representatives, as that practice is incredibly unsafe in its own right.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe
State: LA

Complaint narrative:
Account was opened on XX/XX/XXXX. I believe to be a victim of re age debt. It was removed and placed back on report as a new account XX/XX/XXXX. Damaging my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BB&T CORPORATION
State: NJ

Complaint narrative:
After fail to log on my checking account, the bank 's system locked my account. The website did not allow me to reset password. Following instructions I called the web customer service and the rep said nothing she can do due to the account was fairly new and I must go to a branch. Sadly the nearest branch was one hour away. All I wanted is to let them unlock the account then I can reset password myself. I really can not go to a branch one hour away to handle this issue.

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 2018-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I have made payments on this account from the same bank account many times, and in fact one for a larger amount 5 days prior to the payment in question and another payment yesterday. They held my payment, and my bank confirmed was paid on XX/XX/2018. They refuse to release the payment, unless they get to talk to my bank, they have the money and have had it for days. I requested they release the funds, they say their system updates at midnight, I have patiently waited from the original request on XX/XX/2018 for them to confirm they have withdrawn funds from my bank, which they did, instead of checking to see they received the funds, they want to speak to my bank, and hear all my personal account information for verification. I use different verification tools for different accounts, and would never give them this information, this insecure from my viewpoint, and they have the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Back on XX/XX/XXXX a collection account appeared on my Experian consumer credit report by the name of XXXX. The original creditor of the collection account XXXX XXXX was paid by my insurance company back in XXXX of XXXX. A Dispute was initiated on XX/XX/XXXX regarding this matter. Supporting documents was uploaded to Experian website 3 days later. On XX/XX/XXXX I called into Experian Dispute department spoke to a representative who was very rude. Not only was she rude but she also refused to allow me to speak to a supervisor. The representative spoke over me and did not allow me to argue my point. Stating that the Dispute is still pending that I must allow XX/XX/XXXX for my results. Later on that evening I received an email stating that the invalid debt came back as valid. I do believe that the Dispute representative I spoke to on the XXXX. Verified the dispute as valid on her own out of spite. Without the collection company responding back to the Dispute. Something that is illegal to do. I copy of the bill showing that the collection account was paid off last year is uploaded along with this complaint

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 2018-07-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: PA

Complaint narrative:
I submitted my income based repayment certification through studentloans.gov. Loans serviced by AES were decertified with no issues. XXXX asked for more information, which I sent. After two unanswered emails about the status of my recertification, XXXX said they needed another document. I sent it and my recertification was approved for the amount of {$140.00} per month. However, my bill for XXXX was posted and it is for {$450.00}. I have emailed XXXX twice about the issue and have not received any response. I can not call because I have XXXX and do not have a XXXX. I have not yet paid the bill because I can not afford to and I dont want to mess up my qualifying payments for PSLF.

Company response to consumer: Closed with explanation