vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
During XXXX and XXXX, i went through a financial crisis due to loss of job and missed several of my loan payments. My last late payment was on XX/XX/XXXX qnd since then, i have made every payment on time. I have requested Ally to remove these negative remarks in good faith since It was a specific situation why i was late and not due to lack of interest or responsibility. My 2 requests have been denied.

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 2020-01-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
On XXXX XXXX I purchased a XXXX XXXX XXXX  which was a lease prior to leasing this vehicle I had a XXXX  XXXX  that I traded in for the XXXX  in XXXX when I turned in the XXXX  I was over in miles because I had to wait to get the XXXX  so the sales rep told me not to worry about the miles he would take care of the miles.but later in XXXX when my XXXX  lease was up I discovered that the miles had not been Pais an it was in my credit. So I contacted the sales rep an he pretty much told me that the was nothing he could do so at this time my lease was gon na be up XX/XX/XXXX so I had contacted Mercedez financial to give them my purchase order because the car that I order back in XXXX of XXXX still had not arrived they did not allow me to make an extension I called them almost everyday trying to fix this problem because I needed a extension I've never been late on not one payment they would not do anything to grant me a extension So on XX/XX/XXXX I received a letter dated XX/XX/XXXX stated I ad ten days to turn the car in purchase the car or give them a purchase order. so by the time I received the letter the next day they came to get the car an they never gave me time to turn the car in I asked them why did it take 16 days for mr to get a letter that gave me 10 days to turn the car in I never got a chance to turn the car in but I had already given them a purchase order but they would not help me.if I would of turned the car in I would not had these fees this is affecting my credit. lve contacted them to ask them to remove the fees they want I told them its not fare for me to have to pay these fees when XXXX  XXXX   delivered the paper 16 days from when they dated the letter they told me I have to take it up with XXXX  XXXX when I called XXXX  XXXX  an gave them the tracking number said that they received the package on XXXX XXXX not XXXX XXXX so that explained why received the letter on XXXX I have attached a copy of the letter as well as the tracking number .Please assist me with this issue Mercedez contact number XXXX purchase order number XXXX my contact number XXXX name on lease XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
XX/XX/19 Keep putting late payments on a charge off account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, XXXX  AND TRANSUNION HAVE ACCOUNTS ON MY CREDIT REPORT THAT ARE NOT MINE : ACCOUNTS : XXXX XXXX XXXX-NOT MINE PLEASE DELETE, XXXX XXXX  XXXX-NOT MINE PLEASE DELETE, XXXX  XXXX XXXX-NOT MINE PLEASE DELETE,

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 2020-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Medical Management, Inc.
State: PA

Complaint narrative:
I have disputed these medical bills via telephone, XXXX  XXXX  and in person and still nothing has been done.and upon further investigation supposedly by XXXX  XXXX  they have the nerve to say that after further investigating that it was me who made these costs

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-30 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: FL

Complaint narrative:
EXPERIAN, XXXX  AND XXXX  HAVE ACCOUNTS ON MY CREDIT REPORT THAT ARE NOT MINE : ACCOUNTS : XXXX XXXX XXXX-NOT MINE PLEASE DELETE, XXXX XXXX  XXXX-NOT MINE PLEASE DELETE, XXXX  XXXX  XXXX-NOT MINE PLEASE DELETE,

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 2020-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
equifax, XXXX and XXXX  have inquiries on my credit report. that are not mine. 
INQUIRES : 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 not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Self Lender Inc
State: PA

Complaint narrative:
This is a formal complaint about a 30 to 59 -day late payment appearing on my credit report. I am aware that being 30 to 59 days late is significantly worse than being 60 days late, and I was careful not to let that happen. This inaccurate reporting is penalizing me unfairly and illegally ; and this is causing me distress as it is damaging my credit score.  For the month of XXXX I Have Paid As Agreed In Full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 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: FL

Complaint narrative:
XXXX, transunion and XXXX have inquiries on my credit report. that are not mine. 
INQUIRES : 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, XXXXXXXX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX not mine

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 2020-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, XXXX and experian have inquiries on my credit report. that are not mine. 
INQUIRES : 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 not mine

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 2020-01-30 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: Westlake Services, LLC
State: FL

Complaint narrative:
westlake has an account on my credit report thats not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
XXXX XXXX notified me about a hard inquiry of my credit history made on XX/XX/2019 by Goldman Sachs Bank USA. This hard inquiry was un-authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 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: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
XXXX has an account on my credit report thats not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I had a Washington Mutual credit card with a {$2000.00} limit. When Chase Financial bought out Washington Mutual Chase Financial refused payments for 2 months during the merger. I asked if I could go into the local branch and was told that was not an option. i wrote them regards to account and never received a response. I ended up up defaulting on the card due to inability to make a payment arrangement.it was then filed as a judgement against me in the XXXX county circuit court where i contacted XXXX XXXX to try to arrange some sort of arrangement while on a fixed XXXX income. i never received a response while they were working on the info in the meantime i went through a foreclosure with my home where the XXXX XXXX put a second lien along with the foreclosure I was told it was wrote off with the debt on house I was purchasing through Chase Financial. XXXX XXXX XX/XX/XXXXpicked up the debt and now I have a Judgement against me through XXXX County Circuit Court. The debt has since been sold to XXXX XXXX. XXXX XXXX does not exist any longer and they are who holds the judgement against me in circuit county there has been no contact with me to attempt to collect a debt for the last 4 years and there is no report of this debt on my credit report so i had no knowledge it existed or was accruing interest all this time XX/XX/XXXX has made no attempt to contact me in the last 4 years and are saying they picked up the debt in XXXX which in XXXX the card was still in good standing so not possible they also now want over 8000.00 to  clear the debt through circuit court which circuit court says i do not have a debt with them my home was foreclosed on in XX/XX/XXXX judgement was filed prior to foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I used to have an account reporting on my credit report with Experian and XXXX. Now it is gone. It was an older account in good standing. When it was removed the credit scores dropped because it was an older account that helped establish my credit in 1995. 

Please put the account back onto my report please. 

Please see attached company information, as it is still being reported on my Equifax Report. 

Thank you, 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 2020-01-30 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: BANK OF THE WEST
State: CA

Complaint narrative:
Bank of the west Account ending in XXXX is showing my Account as Overdrawn when it was not and damaging my credit report. I was always current with my Account and my Account was never overdrawn. Bank should correct this mistake right away as mentioned in the file attached.

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 2020-01-30 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: Early Warning Services, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX Account ending in XXXX is showing my Account as Overdrawn when it was not and damaging my credit report. I was always current with my Account and my Account was never overdrawn. Bank should correct this mistake right away as mentioned in the file attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Attached are 6 counterfeit note report for each individual debt Please send to agency listed on each counterfeit note report. 
Debt has already been paid in full Pursuant to title 15 1692 ( f ) define payment : commercial development of oil, natural gas, or minerals includes exploration, extraction, processing, export, and other significant actions relating to oil, natural gas, or minerals, or the acquisition of a license for any such activity, as determined by the Commission ; The debt has been paid Pursuant to 15 U.S. Code 1692e. False or misleading representations You are in violation Please show original contract ( wet ink seal ) Show me the contract where you have permission to use my name? 

In order for any contract to be legal, lawful, and valid, it must con tain all 4 of the following requirements. If any 1 is missing, incorrect, or otherwise invalid, the entire contract is considered breached and unen forceable. A contract must : # 1 Provide full disclosure of all the terms of the contract. 
# 2 Provide equal consideration from both parties to the contract.

# 3 Provide for and evidence lawful terms and conditions. AND ...

# 4 Contain signatures of both parties to the contract, signifying a meeting of the minds.

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 2020-01-30 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Attached are 6 counterfeit note report for each individual debt Please send to agency listed on each counterfeit note report.

Debt has already been paid in full Pursuant to title 15 1692 ( f ) define payment : commercial development of oil, natural gas, or minerals includes exploration, extraction, processing, export, and other significant actions relating to oil, natural gas, or minerals, or the acquisition of a license for any such activity, as determined by the Commission ; The debt has been paid Pursuant to 15 U.S. Code 1692e. False or misleading representations You are in violation Please show original contract ( wet ink seal ) Show me the contract where you have permission to use my name?

In order for any contract to be legal, lawful, and valid, it must con tain all 4 of the following requirements. If any 1 is missing, incorrect, or otherwise invalid, the entire contract is considered breached and unen forceable. A contract must : # 1 Provide full disclosure of all the terms of the contract.

# 2 Provide equal consideration from both parties to the contract.

# 3 Provide for and evidence lawful terms and conditions. AND ...

# 4 Contain signatures of both parties to the contract, signifying a meeting of the minds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The credit union, XXXX XXXX did not process my automatic payments properly due to their system having been changed several times. My payment history does not show ever being more than 30 days late on any account on my credit report. It is extremely burdensome for me to prove that the credit union made the mistakes of not applying the payments properly.

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 2020-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
my name is XXXX XXXX and my social security number is XXXX my bank of america checking account number is XXXX this information will help the bank to identify the issue. i filed this to cfpb last year and in response bank want me to call them. when i did, they cant locate my account. in the mean time i get XX/XX/XXXXto XXXX due to immigration issues. 

the case is that in the above mentioned checking account, there are 2 withdrawls made in the branch. which i never went to branch. i have a habit not to visit a teller due to a robbery happened with me in the past. so i never do any withdrawl in the bank. the two withdrawls are ( i ) : {$4000.00} posted on XX/XX/XXXX and the confirmation number is XXXX ( ii ) : {$3000.00} posted on XX/XX/XXXX and the confirmation number is XXXX i am disputing these 2 transactions and bank need to provide me applicable forms etc etc which they are not. following is my new mailing address. kindly help, i need my funds back. thank you sincerly, god bless XXXX XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX cell : 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 2020-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have been a customer of Bank of America over 6 years and I had a credit card with them with card limit of XXXX . I was involved in an accident in XXXX in XX/XX/XXXX and I lost my wallet and everything. I lost my parents in that accident and went in sever XXXX state and was hospitalized till XX/XX/XXXX. 
When I got back I saw my two credit card were maxed out and two other were open under my name. I reported to the police and try to connect with the banks as well. They not only did not help but they ruined my life by charging me more and ruining my credit. I have tried to explain several times but they do not want to help. I have been terrified by phone calls and threats that they will go further. I am in a situation of shock and they denied to do their job, protect me and my money.

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 2020-01-30 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: NV

Complaint narrative:
These are not my accounts. Please remove them.

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 2020-01-30 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:
These are not my accounts. Please remove them.

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 2020-01-30 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: NV

Complaint narrative:
These are not my accounts. Please remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-30 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: NV

Complaint narrative:
This is not my account. Please remove it.

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 2020-01-30 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:
This is not my account. Please remove it.

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