vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-23 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: Tesla, Inc.
State: MA

Complaint narrative:
1. I have leased a car from Tesla for over seven years ( since XXXX ). 2.All the monthly payments have been made using XXXX  XXXX XXXX AutoPay service, set up at the beginning of each lease period for the number of payments contracted, scheduled to be delivered a few days prior to the due date. 3.My XXXX XXXX  XXXX leased car was returned to Teslas dealer XXXX XXXX, Massachusetts on XX/XX/XXXX. I took possession of a new ( XXXX ) Tesla XXXX XXXX at that time. 4.XXXX  payment for the new ( XXXX ) car was included in the sum of {$10000.00} paid as delivery fee for the new car. Since the XXXX payment for the XXXX car for the amount of {$1100.00} had already been automatically paid by the bank, and as the new lease amount is {$1200.00}, an additional payment for the balance of {$130.00} was mailed and processed by XXXX on XX/XX/XXXX. 5. Monthly payments for the new lease have been regularly issued by XXXX  XXXX XXXX during the first week of every month ( typically on the XXXX or XXXX of the month ), as has been the case ever since the lease began. 6. On XX/XX/XXXX Tesla issued an invoice for {$5900.00} for Excess wear and tear. Repeated attempts to receive detailed support for this item yielded an e-mail on XX/XX/XXXX with the following information : Excess Wear and Tear : $ XXXX Taxes 4 19in tires - {$1400.00} 2 wheel refinishing - {$200.00} RH QP bodyline dent - {$3000.00} rear bumper - {$1100.00} no photos of keys or charging bundle {$260.00} 7.I explained that the charging bundle and keys were returned with the car ( and inspected by the manager at the dealership ). I was promised photographs documenting the excess wear and tear, and yet to this date, I received none of the photographs. Tesla also ignored my requests for an explanation of what should be considered normal wear and tear for the period of 14 months ( XX/XX/XXXX XX/XX/XXXX ) extension of the original lease, due to Teslas failure to provide the new car ordered in XXXX. 8. Tesla failed to properly close the XXXX lease on XX/XX/XXXX, opting instead to charge me lease payments through XX/XX/XXXX, even though Tesla was in possession of the car. 
9. Instead of resolving the issue by properly crediting my account, Tesla opted to issue on XX/XX/XXXX a letter of demand, threatening to commence vehicle repossession and/or legal action 10. Beginning in XX/XX/XXXX Tesla began sending daily ( and sometimes even twice a day ) electronic notices of overdue payments, fabricating overdue periods of months, while at the same time cashing the timely lease payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Regarding : US BankXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN.

To whom it may concern, Issue : I am writing for assistance with a matter that occurred at a US Bank ATM XXXX in XXXX, TN. On XX/XX/XXXX, I visited the ATM as I normally frequent this bank in order to make withdrawals from a none US Bank account. I was making a withdrawal from my XXXX XXXX XXXX account. Ive never had issues with withdrawing until this day. I attempted to withdraw {$100.00} ; however, the machine only dispersed {$60.00}. I frantically wondered what had happened to the remaining {$40.00}. 
I pulled a head to relieve myself from my vehicle thinking maybe the remaining funds had failed to the ground but that wasnt the case. So I returned to the ATM as obviously the remaining funds had gotten stuck somehow. So I attempted a second withdrawal of {$20.00} thinking perhaps this will disperse the remaining {$40.00} ( if it was possibly stuck ) in addition to the {$20.00} I requested. Well only the {$20.00} was dispersed and not the {$40.00}. So I quickly made my way to the inside of US Bank to explain the situation and was told I needed to contact US Bank ATM department to file a dispute. 
I contacted US Bank ATM department as instructed and was told I needed to file a dispute with my bank, XXXX XXXX. So I contact XXXX XXXX and they filed the dispute and the results from the investigation was yielded that the machine dispersed the full withdrawal amount of {$100.00} which is absolutely incorrect. While I am not sure what happened to my {$40.00}, I do know it was not dispersed by the ATM, which means that particular ATM machine should have been over by {$40.00}. I strongly believe the information provided in the investigation report by whomever is responsible for emptying the ATM provide a report full of inaccuracies. In addition, I know ATMs can be faulty, as I just recently visited this same ATM location and attempted to make a deposit of {$1400.00} but the ATM said the amount was only {$1300.00} so I had to request the entire deposit be returned and found that it was {$100.00} that the ATM machine was not registering. Just as the machine claims it gave me {$100.00} when it only gave me {$60.00} Resolution requested : I am requesting US Bank return to me the {$40.00} that its machine kept. Due to the inaccurate information provided by US Bank XXXX XXXX XXXX, the temp credit that was given to me by XXXX XXXX during the investigation will now be withdrawn. I want my money back. If the machine didnt disperse it then please help me understand what happened to it as it certainly didnt just disappear. 

Thanks in advance for your time and assistance

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 2023-03-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I contacted Victoria Secrets ( Commenity Bank ) about making a payment. I made the payment. The payment was not successful. The company did not contact me about the payment. This was reported as a late payment to the credit bureaus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-23 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: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: KS

Complaint narrative:
XXXX XXXX Credit Card through Comenity Capital Bank. 
This card was opened fraudulently by my ex-wife ( without my permission ). She charged over {$2000.00} right away. I tried to keep up the payments when we divorced but the finance charge of 30 % and the monthly penalty charges made it impossible to make any advance on the balance. The bank has more than doubled their investment and all the balance is now is finance charges and late fees. I feel this bank is a " payday loan '' facility in the astronomical charges and fees. I tried to work out a deal with a flat fee and they are not interested. I feel this company needs to be investigated. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: PNC Bank N.A.
State: AZ

Complaint narrative:
My loan was sold to PNC and transferred to them effective XX/XX/23, I was advised I am protected by RESPA for the first 60 days of the transfer yet they sent me a letter stating negative information has been reported to my credit. Why is PNC violating my rights as a consumer.? Also, I applied for a forbearance I was told by whoever signed me up that it was effective XX/XX/23 through XXXX. Now, I am being told my forbealrance is effective XX/XX/23 through XX/XX/23 very contradicting. 
Also, I was advised that even if I am in a forbearance I will still be reported late and delinquent to credit bureaus. 
PNC provides nothing but incorrect information and every representative delivers different and inconsistent information. My experience with PNC has been a night mare, worst servecing. 
I requested a supervisor while i was on the line yet XXXX refused to take my call. What a great service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
i have reached out to all 3 CRA 's and they have violated me yet again. I have old address and information that does NOT belong on my report. I t is to be removed NOW or I will be filling out a fruad report with the FRCA, Inspector General of the US as well as a police report for identity theft. Any name that is NOT XXXX XXXX XXXX and any address that is NOT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Texas XXXX MUST be removed from ALL of my reports.

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 2023-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: WA

Complaint narrative:
Credit Collection Service XXXX XXXX XXXX, XXXX, MA XXXX - XXXX Monday - Friday : XXXX to XXXX ET On XXXX CCS sent me a " password '' protected email in response to my denial of owing XXXX XXXX {$170.00}. 
I was unable to open the email. There was NO 'reset the password ' option. I wrote a letter, requesting they send the response by U S mail. 
I did not get a response by any means. No mail, no further emails. 
CCS elected to send the info to the credit reporting agencies, and I suffered a significant loss to my credit score. 

Who decides who's right? XXXX or me or CCS????

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
I disputed this collection directly to Wakefield & Associates requesting for Validation on XX/XX/2023. This company never responded. I then disputed with XXXX in XX/XX/2023 online and only noticed online that the dispute was " Verified As Accurate. '' How can this be accurate when I have not received any documentation to show proof that this belongs to me? I do not know what this is!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: IN

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this 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 explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX is a third party company reporting on my credit report this is break the law a third party company cant report on my credit report only the original creditor can Dear I am writing in response to your letter dated. 
( copy enclosed ) because I do not belleve I owe what you say I owe. 
This is the first I've heard from you, or any other company on this matter therefore, in accordance with the Fair Debt Collection Practices Act, Section 809 ( b ) : Validating Debts I respectfully request that you provide me with the following information : * ( 1 ) the amount of the debt; * ( 2 ) the name of the creditor to whom the debt is owed : * ( 3 ) Provide a verification or copy of any judgement ( if applicable ); * ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Also be advised that I am keeping very accurate records of all correspondence from you and your company. 
I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt. 
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act $ 1681s-2. Should you pursue a judgement without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA. 
Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST ADVANTAGE CORPORATION
State: NJ

Complaint narrative:
I applied for employment at XXXX XXXX in XXXX, Nj, I was told a background check was to be conducted after I was offered employment. The company by the name of " First Advantage '' showed on their report that they did a search between the dates of XXXX, In their report came up criminal charges from XX/XX/2015 and another one from XX/XX/2015. If the background check only checked for the dates between XXXX how are things from XXXX ( which is eight years old ) showing up when legally the maximum amount of time for jobs paying under {$75000.00} a year is 7 years?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: MD

Complaint narrative:
I need these accounts removed from my credit report there are two different collection agencies reporting on the same account XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are the same accounts. 

XXXX XXXX XXXX : XXXX XXXX These accounts have been paid in full but are still reporting to XXXX XXXX and Experian

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 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Disputed {$600.00} charge from XX/XX/XXXX from Full XXXX. We were sent all the wrong colored tshirts and sweatshirts we ordered and merchant just argued with us. I disputed it with Capital One for many weeks. They came back to say we were already given a partial refund from this company ( {$250.00} ). This refund was for a separate transaction with Full Spectrum. We cancelled screenprinting on another order after we received this bad order. 
Then Capital One removes the refund the merchant gave us and charged it back to our card. We are now owed a refund of the {$600.00} + {$250.00} PLUS INTEREST I have faxed 10+ times back and forth and they will not help me. 

I have many, many pages on this. I can email all of the correspondence I wrote back to them, please let me know what email or fax to send them to. Thank you so much for your help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: FMS Inc.
State: OK

Complaint narrative:
I get several missed calls and then when I do pick up I am hung up on and this time it was from phone # XXXX on XXXX @ XXXX pm XXXX. I called back and asked for a supervisor to find out why people are calling and hanging up on me and to the nature of the call as well. 

Repeatedly when I would ask a question I was responded to with a question. When I finally spoke to a " XXXX '' who claimed to be the supervisor he said he was with FMS and they are an asset management company. I had repeatedly asked if this is a " debt collection company '' for which again I would receive either no answer or a question back in response. 

This is very shady and deceptive to say the least and all I could gather from the call and from speaking to XXXX is that FMS is an asset management company and he said he was located in XXXX. 

I do have my call back to FMS and XXXX recorded and am more than happy to provide a copy by whatever means necessary. 

XXXX ended the call by asking if I wanted my number removed as if this was a telemarketing call. I told XXXX I am well aware of the FDCPA laws and and believe this is a collection call so I told him to " cease and desist '' not even knowing if in fact this is a collection call but simply due to the lack of information being provided by FMS XXXX XXXX, it just feels like a typical shady collector call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: IN

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. These inquiries should also be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Service International Corp
State: MI

Complaint narrative:
In XXXX of XXXX I was informed of a medical debt of {$150.00} to XXXX XXXX. I informed the collection representative that this was double charged based on the medical code from the doctors office that submitted it. I was called in XXXX or XXXX and asked more about the insurance not covering this charge. I was never informed they will send to collections. 
This is a medical debt under {$500.00} and collection agencies should not be reporting it under new FCRA guidelines. 
I looked and the Credit Services Intl does not have this as a medical collection on my credit report so they lied to the reporting agencies about type of debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation