vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Mercedes Benz Financial Services
State: GA

Complaint narrative:
Please also send complaint to Mercedes-Benz XXXX XXXX location XXXX XXXX XXXX XXXX XXXX, XXXX. 

I visited Mercedes-Benz XXXX XXXX location to make a Consumer Credit Transaction to extend my credit to them according to 15 U.S.C. 1605 Determination of Finance Charge. I asked were they in Truth in Lending Isa said yes, I then asked is there a finance charge he said yes. After completing the application, I was denied credit and I understand the factor but it's not a deciding factor. They gave me false and misleading information because they can't deny me an extension of my own credit according to 15 U.S.C. 1605. I spoke with the GM XXXX XXXX who was not familiar with the law with courtesy I explained it to him. He got upset because he did not want to agree with Mercedes-Benz Financial Services USA LLC who does the funding when they stated over the phone when I called them because XXXX told me the dealership doesn't approve or deny applications and according to MBFS USA LLC they stated they did. I have everything recorded of them of MBFS LLC stating they are to honor the law under Truth in Lending Act ( TILA ) and that I was correct GM XXXX stated MBFS USA LLC was lying, and they didn't know what they were talking about. I asked who is telling the truth MBFS USA LLC explained the entire process with GM XXXX listening, and he still denied following the law after being told to by the finance department. After the call I asked to speak with the finance manager XXXX XXXX later found out who he was after XXXX told me XXXX who sits next to XXXX XXXX that he was the director of finance in charge and gave me push back as well. When I proceeded to talk to XXXX, he was very un-professional and NOT a good representation of Mercedes Benz at all stating he didn't care if I filed a complaint as he stated. I then turned to XXXX XXXX and stated that he knew what I was referring to when I was talking with XXXX XXXX who stated they honored the law under TILA which is why XXXX XXXX made XXXX go and asked me to sit in the lobby XXXX stated he didn't care and that he wasn't selling me a car and to go. This experience has forever put a dent in Mercedes Benz reputation for me. My family is an honest loooooooooong time buyer of Mercedes, and this was not anything I have ever experienced in car buying. I remained humbled wasn't disrespectful even after the unfair treatment review your cameras. I have everything recorded and I told XXXX that he did not care. Some way to bring in a gift for your Birthday. 

In Conclusion, I'm submitting this complaint for a more comprehensive review. According to the Law I would like the credit decision to be reconsidered/honored and my credit be extended to your company for a more unbiased transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro 2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and an other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '' as you have previously, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste valuable time. The negative accounts have been placed in Collection/Charge-off/Late Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt . XXXX and the creditors reporting collections/Charge Offs, late payments, and other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness by Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to file IRS form 3949A : Information Referral AND IRS form 211 : Application for Award for Original Information Overview with the Internal Revenue Service against ALL entities involved. Also, Pursuant to 15 USC 1681c ( a ) Bankruptcy information is excluded from the consumers report. ( XXXX, XXXX, XXXX, and XXXX  ) is in violation of said section for furnishing this information on my consumer report, i which they obtained illegally from XXXX XXXX under false pretenses in which they've obtained it from the electronic system know as XXXX. Per XXXXXXXX XXXX website, they do not give, sell, or transfer any personal information to ANY third parties.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: AR

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro 2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and an other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '' as you have previously, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste valuable time. The negative accounts have been placed in Collection/Charge-off/Late Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt . XXXX and the creditors reporting collections/Charge Offs, late payments, and other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness by Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to file IRS form 3949A : Information Referral AND IRS form 211 : Application for Award for Original Information Overview with the Internal Revenue Service against ALL entities involved. Also, Pursuant to 15 USC 1681c ( a ) Bankruptcy information is excluded from the consumers report. ( LexisNexis, XXXX, XXXX, and XXXX  ) is in violation of said section for furnishing this information on my consumer report, i which they obtained illegally from Lexis Nexis under false pretenses in which they've obtained it from the electronic system know as XXXX. Per XXXXXXXX XXXX  website, they do not give, sell, or transfer any personal information to ANY third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am interested in processing disputes on my credit report to delete an remove all information submitted in the files. this has been an ongoing issue that needs to resolved an has caused major effects to my credit report. all items listed are illegally reported an fraud. please review all listed items to delete an remove the incorrect information to help clear my file asap.

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 2023-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: GA

Complaint narrative:
U.SBank has made me close XXXX accounts, and locked those XXXX accounts and blocked my online banking, even though I tried to comply and understand with what all the many FRAUD specialists had me do. I have had them close my accounts, and then be late sending me card replacements. They neglected to tell me, until XXXX, XXXX XXXX, that the reason my accounts were blocked was because I didnt close my previous accounts and open new ones. On XXXX I complied, and now I have to wait to use my accounts. I have to check in on XX/XX/ to make sure I will be able to use my accounts ( XXXX ) for food, bills, etc., ( this is the third time I have had to jump through the hoops because of a fraud on my account in XXXX XXXX  ). This time they replaced XXXX card but havent given me the PIN number, which is supposed to come in the mai, separately. My replacement card and pin have not been sent. I cant access my accounts online until they unlock my accounts ( again ), supposedly on Friday, XXXX XXXX times since XXXX I have been in the verge of defaulting on my mortgage, my utilities, my phone bill, my insurance bills, and now my homeowners tax, due soon. I can not, again, by food, gas, or take care of myself like this. I feel like they dont know what their policies are, having been stalemating my access to my money.They are in California XXXX I am in Georgia XXXX so the problems to resolve these issues are extended to my not being able to go into my branch, as that one is closed now, after their merger with XXXX XXXX XXXX I am fearful of losing my house, and everything else because I will owe creditors that will add late fees and can not pay them in a timely manner.

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 2023-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: OK

Complaint narrative:
XXXX Direct deposit failed in the amount of {$720.00}. No answers from Cash App. XX/XX/, double charge for a purchase of {$33.00}. no action or answer from Cash AppXXXX, was told I had insufficient funds and got declined. Money in the amount of {$24.00} was still taken out of my account. No response and no explanation given. No refund of any kind. These are just a few of the problems I have had with this institution. I am hoping that this will help someone so that they do not loose money with this institution. They are constantly withholding money and never giving any answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

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 2023-10-18 00:00:00
Product: Credit reporting 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: OH

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

( Account name : # XXXX ) I 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 has violated my rights. 

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 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 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 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

( Account name : # XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX : XXXX has violated my rights. 

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 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 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 2023-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
I never received any information on this account because this company no longer is open and they sold my account to another mortgage company. Ocwen Loan Services continued to report inaccurate information on my credit 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 explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX XXXX, account number XXXX, has violated my rights. 

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

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 2023-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NC

Complaint narrative:
My account has been compromised several times and each time I open a dispute it is denied in less than 24 hrs with out any supporting evidence. I have lost over {$7000.00} to the practices of this fintech company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: BMO BANK NATIONAL ASSOCIATION
State: ND

Complaint narrative:
I was banking at Bank of the West & they had just gotten bought out by BMO Harris Bank. I attempted to wire transfer my funds to another bank account I have at XXXX XXXX Bank as I wanted to close my accounts with BMO Harris Bank. When I tried this they froze my account and told me to call to unfreeze them. I called and the woman said she would unfreeze the account. I checked three days later and it was still frozen. On XX/XX/XXXX I called BMO Harris bank to close both my checking & savings accounts I had with them. I called at XXXX XXXX XXXX. The man on the phone told me he would close the account and the check for about ( total of checking and savings ) {$4000.00} would be in my hands in 2-3 business days. I told him 3 times what address to send it to as they had the incorrect address on file, even though my current address was updated with Bank of the West. The man repeated the address I gave him and I verified it was correct. I did not receive the check at this time so I called and asked where it was. The man told me it was actually 7-10 business days. So I waited and did not receive the check, so on XX/XX/XXXX I called again asking where my check was. I was told by XXXX that it was mailed to my old address and not my current one, even though each person I spoke to prior to this verified my current address. XXXX then told me to wait until XXXX for my check. Between XX/XX/XXXX and XXXX I left XXXX multiple voicemails and got no return call. On XXXX there was no check so I called again and spoke to XXXX. He told me that it was in fact mailed to my current address. He told me that he would put a request for a XXXX to call me back which would happen in the next XXXX hours. XXXX XXXX was a Friday and XXXX a holiday, that would mean XX/XX/XXXX. I got no call from anyone during that week. I called on XX/XX/XXXX and spoke to someone who told me that her XXXX would personally call me that day, and I havent received a call. Its now XX/XX/XXXX, and I have been late on my rent and other bills, owe multiple family members money as they have been so kindly doing what they can to support me during this time.

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 2023-10-18 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
The Fair Credit Reporting Act states that the only permissible purpose for pulling a persons credit report is ( 1 ) a firm offer of credit ( 2 ) Insurance ( 3 ) an application for employment, or ( 4 ) a court order.

The Following inquiries are unrelated to one of the allowable purposes, as 1 has reiterated from the Fair Credit Reporting Act. 

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 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 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
XXXX XXXX XXXX - XX/XX/XXXX - {$350.00} AMEX - XX/XX/XXXX - {$0.00} On XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX  days later I have not received a response, yet I feel like Im being take advantage of and ignoredonmydisputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have pay the settlement but still showing on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have pay the settlement but still showing on my credit report

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 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX XXXX Account Number : XXXX It's showing that I have 3 late payments on Experian and XXXX reporting on XXXX. This is inaccurate and must be addressed. 

Consumer Reporting Agencies are pretty important, right? I mean, you guys need to be on the ball with accuracy. This is why I'm reaching out to you directly - to clear this up. 

I'd be really grateful if you could check into this for me. Could you send me copies of the statements where it show these late payments? 

I know mistakes can happen, but this mix-up with my payment history on this account isn't accurate. So, could you please help me out here and sort this out ASAP? 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.

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