vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-09 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: Mercedes Benz Financial Services
State: CA

Complaint narrative:
Leased ( Pre-Paid at signing XX/XX/XXXX = " at end of lease you will owe nothing, walk away owe nothing '', via Salesman/Financial Mgr ) XXXX XXXX XXXX from Mercedes-Benz ( MB ) : 1 ) MB attempted to charge {$600.00} maintanance fees during lease at service.

REFUSED to pay.

2 ) XX/XX/XXXX returned XXXX XXXX XXXX ahead of schedule under mileage by thousands. 
-Salesman, Finance Mgr wanted new car, new lease signed, " keeping same amount p/m payment '', " no added cost to you ''. 
REFUSED to enter into new lease or to purchase. 
Salesman/Financial Mgr insisted so, requested to see XXXX cars in stock, Salesman hesitated, demanded to be shown two ( 2 ) XXXX XXXX XXXX XXXX cars in stock both had red/green tag RECALL notices on dashboard Salesman tried to remove one, I read the other. 
3 ) Advised MB Salesman, and Financial Mgr will be purchasing XXXX. 
4 ) Received from MB statment, owed for 2 tires and end of lease cost, total $ XXXX. 
5 ) Phone call to MB SF Manager with complaint : Challenged 2 items ( end of lease fee, 2 tires replacement ) with SF Mgr who sent another statement 2 tires removed MB Financial added about same amount charge showing owed about {$1000.00}. Again REFUSED to pay.

6 ) MB Financial XX/XX/XXXX received a statement stating owed {$1000.00} will be turned over to collection agency if not paid15 days.

7 ) Will not pay 2 reasons : XX/XX/XXXX PREPAID was final inducement to sign lease " walk away owing nothing '' ; XXXX car insurance ended XX/XX/XXXX if there were ANY damages which there were none car was covered. 
8 ) Readable copy of contract requested from MB Manager not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 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: CORELOGIC INC
State: CA

Complaint narrative:
For the last several weeks I have been talking to XXXX XXXX, a loan officer with XXXX XXXX and other companies about refinancing my mortgage loan, and Mr. XXXX asked me to email him a copy of my recent appraisal report so we can determine my equity. 
I recently obtained my credit report and saw a " hard inquiry '' was pulled on XX/XX/2018 by XXXX! I did not authorize anyone to obtain my credit report! 
XXXX XXXX called me a few days later and I asked him which credit company do they use to pull credit, and said XXXX! I asked him if he pulled my credit report and he said he will look into it, but i have never heard from him again! 
I received an email with an attachment of loan disclosures from the XXXX XXXX!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Contacted several companies due to unauthorized credit inquiries in my recently received credit report. Was advised to contact the Transunion, XXXX  and XXXX. XXXX  helped opening the pertinent claim to remove the inquiries, while Transunion and XXXX  refused to assist claiming there is nothing they can do. 
Inquiries to be removed as not authorized are below, some appearing as much as 4 times as it is the case with XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX, XXXX, etc. 

1-XXXX XXXX XXXX 2-XXXX XXXX XXXX XXXX XXXX 3-XXXX 4-XXXX 5-XXXX XXXX XXXX   6-XXXX XXXX 7-XXXX XXXX 8-XXXX XXXX XXXX XXXX XXXX   9-XXXX XXXX XXXX XXXX 10-XXXX XXXX XXXX 11-XXXX 12-XXXX 13-XXXX 14-XXXX XXXX 15-XXXX XXXX XXXX  16-XXXX XXXX 17-XXXX XXXX 18-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 2018-07-09 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: Premier Student Loan Center
State: UT

Complaint narrative:
I was contacted by a company by the name of Premier Student Loan Center about qualifying for student loan forgiveness. Upon being accepted to a program, I gave the company my personal information to continue with the process. They explained to me that they were not an actual bank but a document processing center for banks that accept people with student loans into a forgiveness program. They then asked me for my password to XXXX and I gave them my banking information and social security number as well. I had to make 5 initial payments of XXXX for processing fees, is what I was told. The payments were set up as automatic withdraw with my debit card, I have made 3 of those 5 payments. I then contacted my actual loan service provider that is listed in my XXXX to tell them that I was only able to make half payment this week and then the other half next and was told that I do not owe any money at this point in time and that my loan was to be submitted next XXXX ( 2019 ) for student loan forgiveness acceptance. The person that I spoke with today informed me that Premier Student Loan Center was probably a fraudulent company and to not give them any more money and to immediately contact my bank and you guys.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX  and Equifax are still reporting an old bankruptcy which by law shouldn't be on their due to the five items necessary to be on the 2012 bk are not being met. Under the law it does not have the required info to remain on my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Phelan Hallinan Diamond & Jones, PC
State: PA

Complaint narrative:
This criminal firm ( find guilty in Superior court for defrauding and lying to their clients ) consider that is a harassment defending a property for which you do not have any obligation is consider harassment that what is consider there criminal illegal fraudulent and deceiving activity inside my property Terrorist act Crime against humanity what is consider?

I see those corrupted company claiming that there is duplicate or any other primitive claim but this is nothing else than a barbaric cover-up and a deceiving tactics that sooner or later will be expose. There must be a limit on how much a family is defrauded by criminal organization interested only in lying, defrauding, deceiving tactics and in particular all done in a criminal and illegal way in a top secret close door act which s the specially of XXXX in particular, XXXX, XXXX XXXX, and the two Law Firms XXXX  and Phelan Hallinan, The pettifogger lawyer representing those firms lie even to their own clients in order to defraud them too and triple charge then since those primitive and corrupted law firms consider themselves above law. This criminal activity of XXXX XXXX, Phelan must stop now. All Institutions receiving this letter I pray they understand my frustration with those criminal activities done against my property for which I do not have any financial obligation under any Mortgage Note. For this reason I will be as direct as possible with my words so DOJ, USA Inspector General, CFPB and the rest of Institutions receiving my Letter ( 287 Institutions ) will understand the criminal activity performed inside my house for which I do not have any mortgage or Financial obligation. The crime was done against my property only because my name is on the DEED as clearly stated by Law Firm Phelan Hallinan pettifogger lawyer. The lawyer in this Law Firm defraud and loot people property braking the oath they took of defending the laws of our Country. Is clear that the only oath they took was to loot peoples property in the most criminal way and in a top secret close door. If those are consider lawyer than the legal system is completely dead. The American spirit of owing a property in PA was completely destroyed by those criminals that for a portion if French fries they sell their mothers too. You work very hard or fight in wars to protect your country in order to see criminal lawyers defrauding you in a top secret close door act inhuman and criminal. I never believe that in XXXX in USA we meet so many, criminals lair that tries only to cheat, deceive, cover up fraud, abuses vandalism done to my property. A lawyer took the oath to defend the law of our Country

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of the Hudson Valley, Inc.
State: TX

Complaint narrative:
I received a notice from CBHV ( Collection Bureau of the Hudson Valley ) on XX/XX/18 that I owed {$120.00} to a medical provider. That notice said " If you notify this office in writing within 30 days from receiving this notice that you dispute the validity of this debt, or any portion thereof, this office will obtain verification of the debt or obtain a copy of the judgment and mail you a copy ''. 

I sent a letter disputing the validity of the debt on XX/XX/18 requesting proof of the debt owed. Not only did I not receive any documentation to verify the validity of this debt, but I received 2 phone calls from this company asking me to pay the amount and another notice in the mail, disregarding the letter I sent them. I received a call on XX/XX/18 and on XX/XX/18 and another letter dated XX/XX/18. 

A debt collector " must stop collection activity until theyve sent the proof ''. They clearly disregarded this and are in violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-09 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: NJ

Complaint narrative:
Contacted several companies due to unauthorized credit inquiries in my recently received credit report. Was advised to contact the XXXX, Experian and XXXX. XXXX  helped opening the pertinent claim to remove the inquiries, while XXXX  and Experian refused to assist claiming there is nothing they can do. 
Inquiries to be removed as not authorized are below, some appearing as much as 4 times as it is the case with XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, etc.

1-XXXX XXXX XXXX  2-XXXX XXXX XXXX XXXX XXXX 3-XXXX 4-XXXX 5-XXXX XXXX XXXX 6-XXXX XXXX 7-XXXX XXXX 8-XXXX XXXX XXXX XXXX XXXX 9-XXXX XXXX XXXX XXXX 10-XXXX XXXX XXXX 11-XXXX 12-XXXX 13-XXXX  14-XXXX XXXX 15-XXXX XXXX XXXX 16-XXXX XXXX 17-XXXX XXXX 18-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 non-monetary relief
Consumer complaint received 2018-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Phelan Hallinan Diamond & Jones, PC
State: PA

Complaint narrative:
According with those criminals and looter organizer is a crime to make public there criminal activity done illegal and fraudulent inside your property in a top secret close door act If this is no enough evidence that destroying the credibility of ownership in USA is consider what? Those criminal ca lie until we meet in criminal court After it we close the door and put those criminals in prison for looting property where a owner has no financial obligation. I will never stop looters count on it until I drain your filthy face of looting and criminal activity in USA, How long those criminals continue to lie We will meet in criminal court and federal court soon count in it XXXX  and Phelan Hallinan pettifogger lawyers including this assistant ( or a clerical cover-up artist ) XXXX XXXX XXXX organize the theft, looting, vandalism, burglary and criminal activity inside a property when the case is in Courts NOW and again in a criminal top secret close door act. It is very hard to understand how come only now document appear presented by this pettifogger assistant XXXX XXXX XXXX. How convenient to send documents after looting, vandalism criminal trespassing and complete destruction of the property. Only a criminal organization that even lie to their own clients by triple charging them abusing their trust can loot property in this top secret close door criminal act of fraud. Those pettifogger lawyers knew that is a close in community and I will have no access inside until I get back my property. Also they been informed by XXXX that I will be in XXXX to prove the fraud was done with forge documents and immediately organized their criminal activity to loot and stole everything from inside my house for this reason I will ask again looter I XXXX to put back inside my property all stolen items before we meet in criminal courts.????

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 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: CL Holdings LLC
State: NV

Complaint narrative:
XXXXXXXX XXXX is reporting on my credit that is not mine, im requesting a verification of this debt I so call owe, which I am entighteled to under the fair credit reporting act in writing within 5 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ameritech Financial
State: MI

Complaint narrative:
Started XX/XX/XXXX to XXXX XXXX Tried to get my loan reduced or removed. This company said they could help! I gave all my information ; was under the impression that my loan would be would be reduced and at a certain point, it would be written off, if it wasn't paid off ; in so many words! To get started I would pay a {$99.00} application fee, and then they calculated a payment of {$200.00} for 6 months which ended up being 9months! At that time payments, were switched to a lesser amount {$99.00} till paid off!! I have made 24 payments, lots of money, my loan has not gone down! It was time for paperwork renewal, they called and emailed, three times and when I questioned them about the {$99.00} a month, I was told it was fees, and it was part of things discussed in the paperwork! He said I should read it again! And would not give me a direct answer, to where my money was going! A week later I received a letter, stating this company is being investigated by the Federal Trade Commission! 

I will be calling them to cancel account and ask for a refund!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
have disputed XXXX XXXX XXXX account numbers XXXX and XXXX many times and Experian continues to report negative information to my credit report. The account reports inaccurate and incomplete information. I disputed the balance they verified it but Changed the amount how is that possible? Went from XXXX to XXXX. The payment dates and late pays do not match between all three credit bureaus. XXXX  is missing on time payment info on account number XXXX for XX/XX/XXXX and XX/XX/XXXX payments were reported on XXXX  and Experian. And on account number XXXX missing on time payments for XX/XX/XXXX. Also on Experian the dates XX/XX/XXXX and XX/XX/XXXX of are listed at 150 and 180 days late but XXXX  has them listed as 120 days late. on account number XXXX Experian has dates XX/XX/XXXX and XX/XX/XXXX listed 150 and 180 days late but XXXX   has them at 120 days late. Inaccurate information is listed for these two accounts. They refuse to investigate independently from the consumer electronic response with no proof actually being verified. I asked to have all past investigation findings, method of investigation, who verified it and their contact information mail to me as proof of investigation and they refuse to do so. Its been past the 15 days allowed to respond. Pure negligence. The original charge off balance is XXXX and the balance now is XXXX but there is no payment listed after the charge off date of XX/XX/XXXX. So when and how was XXXX dollars paid on a charged off account and if so why is it not listed as a payment? Proof of no real investigation and negligence. Proof and documents are listed in the attached files. Also there are scheduled payment listed on both account one of XXXX and the other XXXX they are both charged off the balance should be XXXX. 
They refuse to do an independent investigation as per my previous CFPB complaint XXXX regarding two inaccurate XXXXXXXX XXXX accounts they are reporting. I have tried several times to have them address this but they continue to give me the run around. I want this inaccurate information deleted from my account.

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 2018-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/2018 XXXX  ran another Hard Inquiry on my credit report without my permission for the thrid time. I went to the doctor office to schedule my dental procedure then received a alert stating they made a hard inquiry. 

I call there number provided XXXX and asked why did they submit another inquiry accessing my credit report without permission. I was transferred to four different departments and was told since I couldn't prove it was them that made the inquiry I have to file with Transunion. This is Four Hard Inquiries from the same bank in two months that they claim it's not there doing so I'm left with a rapidly dropping credit score do to them breaking the law and violating my consumer rights. I want proof you had permission to continuously run my credit and Transunion to allow without stating the reason it was checked. This is such XXXX! So know here I am filling another dispute! 

Sincerely XXXX off and tired of constantly filling complaints about these two companies. This is ridiculous!

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 2018-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I received a debit card from Wells Fargo in the mail on XX/XX/XXXX. The card had originally been mailed to a Kentucky address. The envelope was returned to Wells by the post office as there was no one by my name at the Kentucky address. Wells then re-mailed it to me at my correct address in Illinois.  Of course it should have been a " red flag '' to Wells when the card was returned to them from the original address.When I received the card, I immediately called Wells to understand why I was receiving this debit card. I have never had an account with Wells or done any business with Wells. My call was directed to the Identity Theft unit. They told me that someone had opened a bank account online in my name using my social security number and birthdate. When I asked how that could happen with out some form of picture ID or signature verification, Wells said that was not needed to open an account online. As a XXXX of a XXXX XXXX XXXX, I know that we require a picture ID and identity verification on all transactions. How can Wells open up and account without a verification process? This should be prohibited by the CFPB and the appropriate banking regulators.

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 2018-07-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
four years ago I went into XXXX XXXX and purchased two vehicles and leased one vehicle ( total three in one day ). 

The lease ended XXXX, 2018. I was allowed 15,000 miles per year. 

Last XXXX I went into a dealership and purchased two new vehicles. I then paid the entire balance of the five remaining months lease. 

I've now received a bill for {$430.00}. 

I called Hyundai and explained I had turned the vehicle in when I purchased two new vehicles. I also told them I had only utilized approximately half of my allotted mileage allowance over the four year period. There was no damage ect. to the vehicle. 

I've now received a this bill stating I paid it off early. I explained I turned it in early BUT PAID IT IN FULL THROUGH THE END OF THE LEASE TERM. I also again stated I only used approximately half of the allowed mileage. They continually refuse to delete this " balance due ''. 

I called Hyundai and reached XXXX XXXX, who is a CSR. He said it was dead wrong that they were trying to charge me this money. He said he was submitting a complaint on my behalf and bc he was doing that the complaint would have to go to Corporate Hyundai to be reviewed. 

So they're basically saying bc I stopped driving the lease 5 months early, BUT PAID IT IN FULL FOR THE COMPLETE LEASE TERM. I'm going to have to pay them. This sounds ridiculous! 

You can reach me at XXXX XXXX XXXX if you have any further questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have been receiving calls from a lawyer for Bank of America. He is stating that I had an old checking account with a {$610.00} balance leftover from 2010 that BofA is trying to collect on and take me to court. This is not mine, and even if it was it is way past the Texas Statute of Limitations of 4 years for debt collections. I have had multiple calls and my wife as well, saying we were going to get served court documents.

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