vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-02 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mercedes Benz Financial Services
State: MS

Complaint narrative:
I am writing about my experience with Mercedes Benz Financial that is a mixture of a grateful " thank-you '' and a pressing request concerning an auto loan that was repossessed its showing on my credit files that I would like to have revised. I received the car in 2019 one year before the chaotic life event XXXX that caused me to lose my job. I became disorganized with respect to making timely payments with Mercedes Benz. I fully recognize my responsibility with respect to payable accounts and have worked diligently to rehabilitate my relationship with Mercedes Benz since that time. 
To be honest, that year was a " wake-up '' call for me regarding fiscal organization. Since then I believe I have learned the essential organizational and financial management principles I desperately needed at that point. Thankfully, responsible credit management is now reflected in my credit records which excluding the repossession everything is excellent. I wish to thank you for renewing your confidence in me and for giving me a second chance at a relationship with you, one that I am determined to keep spotless.I am are about to shop for a new home and starting a family, and it has come to my attention that the notations from Mercedes Benz may preclude me from taking full advantage of the very lowest interest rates now available. Since those notations do not reflect my current status with character I am requesting that you give me a second chance at a positive credit rating by removing those tradelines and forgiving me of this debt. Your customer service representative suggested that I write you for a " goodwill adjustment. '' I sincerely hope that there is redemption at forgiveness and I beg you for such consideration. Please let me know if any additional documentation would assist in reaching a positive outcome, and I thank you again for the time you have spent reading this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2022-08-02 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: TX

Complaint narrative:
A company has assigned fraud to my account, i have no knowledge of it and it is not mine.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been unable to even contact Equifax to get an issue resolved that has been making me unable to have my XXXX XXXX student loan processed, on XX/XX/2022. 

Equifax seems to be unable to recognize that I exist as a human being - every time I request a report - or even try to contact them - they generate a code ( XXXX  ) and kick me out of the automated system. The automated phone system doesn't recognize me and tells me to try the website. The website doesn't recognize me and tells me to call. 

I am unable to get approval for credit because of them - my student loans, with classes beginning in XXXX weeks. 

XXXX and XXXX both work fine for me- they generate my credit reports and I have had no issue with them. It has been beyond frustrating that Equifax is potentially jeopardizing my academics because they don't have credit on me or believe that I am a person- when the other XXXX are doing their job just fine with no issue. 

I have even mailed them my documents in previous years to get this issue fixed, and still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: WI

Complaint narrative:
disputed XX/XX/22, XX/XX/22 Debt open date is incorrect. Debt has been bought by several different companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer right to privacy and confidentiality under 15 USC 1681. 

Personal Information is reporting inaccurate, this is the only information that should be reporting ; Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX  Phone number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX XXXX XXXX XXXX THESE INQUIRE IS NOT MINE! 
SYNCB/LOWES 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 XXXXSYNCB/LOWES 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 

( Make sure you put the Account Name and Account # ) has violated my rights. 

15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 section 2 : It also states a consumer reporting agency can not furnish an account without 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 times of information. any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person known ir 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 2022-08-02 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:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX XXXX. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2022-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: CA

Complaint narrative:
I have received notifications and bad marks on my credit report from at least XXXX different collection agencies related to an XXXX XXXX XXXX  Debt that was reported to XXXX XXXX XXXX and a report filed with the FTC that it was a result of identity fraud and someone else opening this account under my maiden name " XXXX ''. I gave XXXX XXXX XXXX the proper reporting and they acknowledged that it was Fraud, however, they continue to circulate this collection through various collection agencies STILL. This has been going on for over a year and half and about every XXXX months, I get yet another notification from yet another credit collection agency that I have a debt collection. I have NEVER even had an account with XXXX XXXX XXXX. The most recent debt collection agency just sent me another letter, titled " ERC ''. The reference # for this new collection is : XXXX I have sent thru a dispute to this company, but I would like XXXX XXXX XXXX to STOP circulating this debt that was already deemed fraudulent through collection agencies. 
The account # that is associated with this debt is : XXXX. The address associated with this account is XXXX in XXXX, which is a state I have NEVER lived in, nor known anyone who has.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Applied for the Barclays Jet Blue Credit Card promotion offered when booking my jet blue XXXX on XX/XX/22. I was approved instantly but told that Barclays doesn't auto populate the card to allow the {$250.00} promotional credit which is clearly advertised upon applying and is the reason I applied for the credit card. I was told I would have to wait 10 days for the card to come. Meanwhile, I lose today 's offered fare promotion and have to book another flight within 90 days to receive any points or promotional credit on this credit card! 

I spoke to XXXX different managers, before i was transferred to the US where XXXX informed me that Barclays is aware of this, they have had other complaints, but unfortunately they can not provide me with anything to book my fare today. 

Deceptive advertising and practice by a Bank and Company when credit can be provided instantly with technology. 
I have a call into Barclays Presidential complaint office as well as Jet blue. This needs to be stopped now! How can these companies use such deceptive practices and get away with it!!!! 

OUTRAGED - BEWARE JET BLUE CUSTOMERS AND XXXX CREDIT CARD HOLDERS!

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 2022-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: IL

Complaint narrative:
escrow recalculation due to error BY mortgage company .The escrow department had XXXX parcel id on file for this XXXX piece of property. Escrow paid XXXX annual tax bill on BOTH properties..one of which does NOT belong to me... they have corrected the tax billing however, since they do not have the money back from the incorrect payment on the incorrect parcel- they are expecting me to pay additional escrow money for their error..additional XXXX a month until they get their money back that they improperly paid out to wrong tax parcel id ..I should NOT have to pay additional money into my escrow and await 6-8 weeks for them to get their accounting straight and the money return from the WRONG TAX BILL THEY PAID... This is no error on my part..I have made numerous phone calls to straighten out THEIR incorrect paperwork. I should not be pentalized for THEIR ERROR..

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 2022-08-02 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The Experian stated my account was properly investigated of XXXX XXXX XXXX XXXX XXXX However, after their reinvestigation, my lawyer identified the following fields as being inaccurate : -Date Last Verified, -Date of Last Activity, -Date Reported, -Date Opened, -Closed Date, -Account Rating, -Creditor Type, -Payment Status ; -and monthly reporting. 

I have attached evidence showing these fields are all inaccurate and that the reinvestigation was not complete and accurate and rubber stamped. 

Also, they also violated my rights under 15 USC 1681 Section 602A which says I have the right to privacy and 1681 Section 602A Section 2 says credit bureaus can not furnish my information without written approval. Experian- please provide evidence of approval to furnish this information or, in accordance with the law remove the account from my 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 2022-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
In XXXX I had an issue with Capitol One processing payment from Bank account. Instead of the XXXX to XXXX business days in the fine print it was taking over XXXX  days. XXXX my bank is an online bank and doesn't hold deposits or funds to be processed for payment. There is no XXXX to XXXX business days to process, their policy is instant customer service and processing. No wait. After this dispute with Capitol One never even getting back to me, just closed the credit line. But still wanted payment, minimum being in the $ XXXX, and interest. So I paid. Opened another XXXX XXXX line thru my XXXX. Today they closed the XXXX card because of the XXXX dispute. 6 months later. No notice, or explanation. Never had a late payment or returned payment since XXXX. When I spoke to a supervisor he advised me because they can. And said no compliance department or anyone to speak to other than a lawyer. Goodbye.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc.
State: WI

Complaint narrative:
Re : XXXX Erroneous Notices of Delinquency from CarMax Auto Finance XXXX ; XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX Although the monthly installment for my loan with CarMax Auto Finance is regularly paid each and every month, I have received four Notices of Delinquency from CarMax in the last XXXX XXXX In the XXXX instances of Carmax  sending these notices prior to the current one, CarMax eventually came to agree that the notices were in error and CarMax retracted their demand for payment of late charges indicated in the notices. Note : I acted to correct the current erroneous notice yesterday and, at this time, have no response from CarMax regarding it. 
To correct these erroneous notices, I have had to call my investment advisor who has had to call his financial service provider and request them to find the cancelled checks and fax a copy of them to Carmax. ( Please be aware that I did not receive a copy of the cancelled checks that the XXXX XXXX XXXX sent to CarMax. ) All this calling, finding and faxing is a waste of time for everyone involved. Consequently, CarMaxs erroneous Notices of Delinquency are acts of harassment by CarMax. This harassment is due to CarMaxs incompetence and failure to rectify their faulty accounting procedures. I also suspect that people who dont keep careful record of their payments could become the victim of overpayment to CarMax due to similar erroneous Notices of Delinquency. 
I am including the following documents as evidence of CarMaxs XXXX : Letters from XXXX Advisor Services and XXXX XXXX XXXX which indicate that the particular monthly installment payments which are the subject of the Notices of Delinquency were made to CarMax on my behalf. 
These letters are Dated : XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX Notices of Delinquency from CarMax Auto Finance dated as indicated at the head of this letter. 
Current Account Letter from CarMax Auto Finance dated XX/XX/XXXX which indicates that CarMaxs Notice of Delinquency dated XX/XX/XXXX was in error. 
Account Payment History from CarMax Auto Finance dated XX/XX/XXXX which indicates that the XXXX Notices of Delinquency dated XX/XX/XXXX and XX/XX/XXXX were in error. Note that, with this record, CarMax acknowledges they cashed the checks sent for payment of my installment prior to their issuing of their Notices of Delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Acct # XXXXXXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct # XXXXXXXX XXXX Acct # XXXX, XXXX XXXX Acct # 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 a 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 non-monetary relief
Consumer complaint received 2022-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Dear Sir/Madam : Please find the attached photo of a letter I received from Capital One indicating that I was denied an automobile loan. However, I did NOT apply for this loan and can not reach a human being from Capital One to tell them this application is fraudulent. I do not have any accounts with Capital One and not sure I ever have. 

I've attempted to contact Capital One using several telephone numbers. I called the number on the letter and two customer service numbers to no avail. When I've called, their system gives prompts for topics. I check " auto loan '' & it tells me I was denied and it disconnects me. Because of this, I have no idea whether it was for a new or used car, what loan amount was requested, the date of the application, or anything other information. 

You will find the reference number on the letter I'm attaching as well as my address. I'm hopeful that this complaint will initiate a response to me from Capital One as soon as possible. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
I keep getting calls from Fifth Third Bank trying to collect a debt from someone named XXXX XXXX. At least 30 times in the last month alone. They have the wrong number, I do not know who that is, and I do not have any accounts with Fifth Third.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
Someone opened up an account in my name. I contacted the Bank & they are resolving this. I am reaching out to you to report that my name & address was used in a identify thief. What can I do to protect my identity?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-02 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: GA

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2022-08-02 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: GA

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2022-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV

Complaint narrative:
XX/XX/22 : Received email regarding opening of Bank of America XXXX XXXX Banking Account. I did not open this account, so I emailed their abuse department. No action taken so far. 

Just getting ahead of the curve on this.

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