vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mercedes Benz Financial Services
State: NY

Complaint narrative:
I on XXXX XXXX went to Mercedes Benz dealership to discuss my options for the end of a lease I have coming up in 4 months. The the sales men who was attending me talking my into getting an XXXX SUV that they had in inventory to finance. I was considering it due to the fact that the sports car the i currently have is rough to drive around the roads of XXXX XXXX XXXX and needed something that could handle pot holes, broken up and construction roads ( Etc. ). I gave them consent to run the bank application for a financing loan. I soon realized when I went home and ran the numbers myself with my wife the price he was trying to sell me the SUV for was way to much for its worth and left out a lot of details on it. He tried to convince me it was a great deal when it wasn't because the price he was selling me this XXXX SUV for was at the same price of a newer model XXXX or XXXX. I spoke about it with my wife and she tolled me the whole time at the dealership not to go through with the offer. I called the salesmen multiple times and it had only been an hour since i has left the dealership. I left him voicemails and text messages to not go through with the banking applications. I kept calling and I couldn't get in contact with them. I even went back the dealership to try and speak with him but he was already gone. They ended up doing it anyways after i told them not too. They sent out multiple applications to try to get me approved and got denied from a total amount of XXXX banks all on the same date of XX/XX/XXXX. This impacted my credit score and even got me XXXX hard inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
This is my fourth time making a request about the same debt. I was a victim of ID theft. Upon checking my credit. I realized for the 4th time. XXXX XXXX XXXX has sent an account to collections in my name. I just turned XXXX and I have already had to deal with XXXX other collections companies about this very same debt. Each time, the collection has been removed. From what I can tell this account was opened when I was XXXX and not yet had begun to use or even know anything about credit. I expect this information to removed immediately from my credit file. It appears that XXXX XXXX XXXX continues to sell or send this account to multi collections companies because I have been hindered and demised I plan to file suit XX/XX/2020. This account is not mine. I stated it over an over again but this has been such a hindrance I can no longer continue to go about it resolving it in this manner. For the record. I have never had any contact or communications with Credence Resource Management. Not by mail, or telephone fax or any form of communication. The item just out of nowhere appeared on my credit profile. with a note in the Activity Field " XXXX XXXX '' Again, This item doesn't not belong to me. Because of the hassle. I will file suit this month and will include and party involve in this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: NC

Complaint narrative:
A company called Sequium asset solutionsXXXX XXXX XXXX, XXXX GA XXXX is acting as collections for XXXX XXXX XXXX phone. 
Both XXXX XXXX XXXX and this company mistakenly tried to bill me for this debt. 
I submitted to both companies copies of all canceled payment checks and proof of invalid charges. 

I have tried to clear this matter up by communicating with this company for over a year! 

This company has yet to provide me with any form of documentation what so ever and they refuse to communicate with me even though I submitted payment proof via certified mail. ( Actually the issue was that XXXX XXXX XXXX continued to bill me after service had been canceled so there was truely never a debt that I paid but a billing issue that was late in being corrected ) They act as though because they send me a bill that makes it valid. 
I am sick of the abuse and I have requested on 3 separate occasions that they remove this inaccurate information from my credit report but like i previously stated, they are silent in and response. 
See credit report record # XXXX Their listed phone # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Received a letter from Chase on XX/XX/2019 informing me of their decision on a transaction dispute I requested they open on XX/XX/2019. Emailed them same day, XX/XX/XXXX, the decision letter was received for an explanation as to why the investigation into this dispute ended with a result that was not at all related to the original complaint. The dispute was never for a billing error. It was because the merchant was deceiving in selling a device that is not compatible with my vehicle and has since ceased email contact for troubleshooting and return. I provided all proof/evidence via secure emails I forwarded Chase to investigate the dispute, the seller even stated in the email that if the device is in fact not compatible, he will proceed with a return at my expense. After sending him proof via email proving his device is not compatible, he has ceased correspondence. All the email correspondence as well as proof the device not working as promised has been forwarded to Chase to review. A Chase representative promised an explanation of the decision made by their dispute department within 3 business days regarding their decision -- still have not heard anything regarding my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: MoneyLion Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX I received a {$1.00} fee for administration costs. From XX/XX/XXXX through XX/XX/XXXX by Moneylion 's own admission my MoneyLion Plus Membership was transferred to their new Credit Builder Plus membership. I was receiving a 1 $ day and still now have a 390+ consecutive day logon streak, they owe me a {$1.00} to my investment account from XX/XX/XXXX through XX/XX/XXXXwhen I was forced to the new membership structure. Moneylion was unable to fix my funding account to allow me to fund the account from XXXX only withdraw to XXXX when I attempted to switch to XXXX where my direct deposit it, I switched back unsuccessfuly to XXXX and it is still not working as of today ( XX/XX/XXXX ). I have found a way through XXXX to get money to the Moneylion checking account so I can meet their new requiiements to get the membership fee waived. For all of XXXX and XXXX, they owe me {$19.00} to either my investment account or checking account. As a courtesy they are saying they will give me the membership fee for XX/XX/XXXX, but that has no value to me since I know the requirements to get it to {$0.00}. 

I have reviewed the response made by the business in reference to complaint ID # XXXX, and have determined that my complaint has NOT been resolved because :. I did hear XXXX was assigned as my complaint contact and she left one voicemail letting me know that fact but did NOT explain the outcome of any inestigation that the letter refers to. 

The first membership payment was made by me on a XXXX account a day before it was due ( XX/XX/XXXX ) as I knew it would fail since I could not get any funds into the account. The XX/XX/XXXX date must have been when it actually hit your account. Until the last four days in XX/XX/XXXX ( over a month later ), I have been fighting about this XX/XX/XXXX membership payment continuously showing as past due on my account for over a month. I had to send screenshots of the XXXX Account it was deducted from more than once to agents of Moneylion support to have it removed. This XXXX payment is finally resolved. The issue IS on your end and not with XXXX nor XXXX. I am still due the {$1.00} a day from XX/XX/XXXX through XX/XX/XXXX. It appears Due Diligence was not done by XXXX or Moneylion and while the XXXX Membership waived as a 'courtesy ' is actually due with no courtesy ( It is legally due when no service was provided ), I called back XXXX and emailed her and have yet to get a return call. This matter is not considered 'closed ' and will escalate if necessary. My compromise will be to correct the membership credits to my investment account for 2 months or the checking accounts PLUS the {$1.00} a day deposits to the investment account per your agreement. 

I have been a supporter for over a year and hope we can continue a civilized and productive relationship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Today is XXXX 2020.i have a XXXX XXXX prepaid American Express card.i was suppose to have had my refund advance put on this card today.so i waited 2hrs for an  email saying my funds was deposited.that never happened.so i called the card and it said my account was suspended .i didnt get an email til after i called the card.i talk to someone and she said my card overdrafted on XX/XX/XXXX due to a purchase that i made XXXXthats a  prepaid card how is that possible.that was not my fault.i have XXXX kids and i need my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
tranunion credit reporting agency continue to place invalid reports of my credit on my credit report that does not belong to me at all.

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 2020-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
My purchases were closely monitored by a third party without my authorization or approval. The monitoring continuously allowed retrieval of items purchased for chemical treatments, removal, or avoid use without notice from the merchant. The incidents were continuously reported as burglaries. None of the items purchased were from independent contractors or resellers. The items were purchased from major gas, pharmaceutical, electronics and clothing and linen retailers. Even when purchased online, the vendors selected when given the option to select from approved sellers of which the retail agent was allowed to negotiate were never independent contractors. Actions to support smaller businesses not involving the activities of the above but purchases of consumable items, often involved GPS tracking to allow individuals to arrive at the same time as the reporting party, which was not what the reporting party intended.

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 2020-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
On or about XX/XX/XXXX I transfer my phone numbers from XXXX to XXXX. Before I did this I call many times telling them I was getting more drop calls than finish calls, They chose to do nothing to help the problem. They will not trouble shoot my phones. Due to my job I needed reliable service so I cancel with XXXX. So on XX/XX/XXXX over 3 years of canceling service there collection company Jefferson Capital System reported it to all 3 credit bureau. This should of been done 3 years ago. I am going to look into legal action on both XXXX and Jefferson Capital System if not removed from my credit recorder. Neither XXXX or Jefferson ever contacted me before they took this action!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
A one-year auto policy was paid for in advance for auto insurance coverage from XXXX. XXXX XXXX. XXXX. No payment information was required, as no one in this family ever leaves bank account information online to avoid fraud and abuse of access to payment details by others. Months before the coverage ended, it was clear that XXXX would not get a renewal for a number of reasons. When calls and emails soliciting a renewal were received staff were repeatedly told that There would be no renewal, and to stop all contact. Furthermore, I intentionally did not select to auto-renew my policy in my online account. XXXX then decided to try to force communication and a renewal by having a collection agency harass us for {$79.00} UDS that it is neither entitled to nor that was part of the policy termination conditions. XXXX was neither asked to carry over the policy nor had any reason to do so. Furthermore, I intentionally selected to NOT renew my auto insurance policy in my online XXXX account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Alleged accounts where disputed belongs to my son who have the same first and last name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 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: NY

Complaint narrative:
There is a XXXX XXXX business account that used to be reporting unto my personal profile but was eventually deleted after disputing it. Suddenly on XXXX XXXX, it was reinserted to my profile without notice decreasing my score and putting me at risk.

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 2020-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There is a XXXX XXXX business account that used to be reporting unto my personal profile but was eventually deleted after disputing it. Suddenly on XXXX XXXX, it was reinserted to my profile without notice decreasing my score and putting me at risk.

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 2020-01-12 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: EQUIFAX, INC.
State: NY

Complaint narrative:
There is a XXXX XXXX business account that used to be reporting unto my personal profile but was eventually deleted after disputing it. Suddenly on XXXX XXXX, it was reinserted to my profile without notice decreasing my score and putting me at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Oor insurance company XXXX is supposed to pay for my XXXX XXXX and 4 XXXX test a year. XXXX XXXX  is self insured. I was never told that XXXX XXXX quit paying XXXX and that is who my doctors use. I am in the process of filing a complaint with the company XXXX, the insurance company XXXX. I have tried to to resolve this by phone with both companies. I want to try and buy a house inXX/XX/XXXXXX/XX/XXXXand now all of this. I was told by the doctors that are requesting this work that our insurance company according to their guidelines agreed to pay and now they wont. I have 3 disputes all for the same issue. Same company. 
Amt XXXX XXXX XXXX  for doctor XXXX Amt XXXX XXXX XXXX XXXX testsXX/XX/XXXX Amt XXXX XXXX XXXX XXXX All reported XXXX I am not sure why all of a sudden I have this issue and I can not get any help or resolution. 
We pay premium money and now my husband has retired from this company and they wont help us at. XXXX says we owe over XXXX dollars HOW? Please help. Supposedly XXXX and XXXX has not paid for anything in over 3 years.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Sunday XX/XX/2020 Midland credit called me 3 times Saturday XX/XX/2020 they called me 2 times Friday XX/XX/2020 they called me 3 times. They have consistently called me average of three times a day for the last three weeks. No breaks on weekends either. They call morning midday and night. I am attaching the called that i declined but i answered the others

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY

Complaint narrative:
We are currently in negotiation with the Bayview XXXX in regards to t a short sale All documents have been submitted for the short sale review and a XX/XX/XXXX auction was postponed to allow the short sale to be reviewed. We are still in the review and counter offer process and after requesting an Apprisal which was a dome on XX/XX/XXXX We are waiting on a copy of the appraisal report.TThe bank upon receiving the appraisal amount did not contact us for a counter. Instead, the scheduled an auction of the property in the middle of active negotiations with us I called the bank and spoke a representative who stated that the appraisal came back at $ XXXX which is well below the previous figure that the bank had from a computer online generated valuation 'During this process, we have never received any update or documents via mail or any phone calls from the servicer. This individual working this file has shown no comprehension of the law and when he was advised that he was violating the dual tract foreclosures laws he stated he did not know what that was and will continue to auction the home off all while still negotiating with us on a short sale resolution The buyer did increase the offer they were giving on the home but Bayview representative XXXX XXXX stated they will auction the home off no matter what we do. 
BAYVIEW IS IN CLEAR VIOLATION OF THE DUAL TRACK FORECLOSURE LAWS BY AUCTIONING MY HOME OFF ALL THE WHILE WORKING ON A SHORT SALE RESOLUTION. 
My Realtor has left numerous messages for XXXX supervisor XXXX XXXX but he has refused to return any phone calls and emails We have asked Bayview to communicate with us via mail and not phone calls because XXXX from Bayview is attempting to deny all these allegations. 

We were finally able to reach the foreclosure attorney for the bank ( XXXX XXXX and Associates ) and they were very helpful in stopping the foreclosure sale and were very upset at what Bayview Representative XXXX XXXX was engaged in. The bank Bayview has since remain silent and indicated that they are reviewing the counter offer XXXX had advised me and my Realtor that he would not review any offer I assume the Attorney for them made him aware of this violation of Dual tract Foreclosure Law I can only imagine how many other innocent homeowners have lost their home due to this illegal practice and actions by Bayview and the employee XXXX XXXX would ask that your office open an investigation into this individual and Bayview for clear violations A copy of this complaint is being forwarded via express mail and fax to the supreme court justice hearing this case the honorable XXXX XXXX XXXX County Supreme Court New York

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 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: NY

Complaint narrative:
I noticed a hard inquiry on my Equifax report from XXXX XXXX that was done on XX/XX/2019 that I did not do nor did I approve of. I contacted Equifax to dispute the inquiry but they told me to contact XXXX however the number provided for XXXX was not in service. I told Equifax it's fraud and would like it investigated and removed, their response was for me to contact XXXX and/or ger a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This company is refusing to remove inquiries I did NOT authorize. Although I may have  some open accounts with some of these companies, I did NOT authorize the inquiries on the dates shown on my report.

Company response to consumer: Closed with explanation