vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-26 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: Mercedes Benz Financial Services
State: TX

Complaint narrative:
Returned my lease for XXXX  XXXX and got new lease from Mercedes a XXXX  XXXX. However, six months later I get a bill from Mercedes Benz stating my tires did not have proper thread and a scratch on my bumper etc. the bill was for XXXX, I negotiated the bill and was able to settle the tires for {$1100.00}. On my credit report for this lease it stares in comments that I negotiated out of my lease and show closed as of XXXX and negative in commentary and on my reports. This is not accurate and is offensive since I paid my lease off 100 % and was never late and I purchased a brand new lease the exact same day I turned in the XXXX lease which was in XX/XX/XXXX. My old lease that shows paid in settlement was from XX/XX/XXXX to XXXX XXXX have proof of tire settlement which had zero to do with paying my lease payment and Im attaching the negative information from my credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
This account is closed with an outstanding balance but they continue to report it as open as Im missing payments to purposely hurt my credit score. 

Car was mechanically totaled because dealer failed to disclose it has not had a recall serviced on and had previous body work. Car is no longer in my possession.

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 2020-06-26 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
This complaint is in regards to credit card dispute of XX/XX/2020 for {$380.00}. 

On XX/XX/2020, USAA informed me that they will refuse to refund {$380.00} from XXXX XXXX ( XXXX  ) for a cancelled airline ticket reservation because the COVID-19 pandemic. 

USAA refuses to issue a written guarantee to refund the money if XXXX XXXX files for bankruptcy or there is no vaccination available by the time the voucher expires. 

USAA is enabling XXXX XXXX to apply 2 sets of standards because of the pandemic. One for XXXX XXXX in order to get exceptions & breaks, in addition to federal financial assistance. The other is for USAA members/consumers as myself by taking my money to use it as collateral for additional financing and warrants. 

The COVID-19 pandemic is a clear force majeure event. A force majeure entails both parties effectively voiding a contract and being returned to their previous position. It doesnt allow one party ( XXXX XXXX ) not to perform while still keeping the money. This unearned money in the books is being used as collateral for additional financing and warrants. XXXX XXXX carries chargeback insurance. 

USAA ( and XXXX XXXX ) are disregarding the Fair Credit Billing Act and Truth in Lending Act. The chargeback mechanism exists primarily for consumer protection. Holders of credit cards issued in the United States are afforded reversal rights by Regulation Z of the Truth in Lending Act. 

COVID-19 continues to be out of control in the US, including Florida. The Centers for Disease Control and Prevention ( CDC ) is clear : Because travel increases your chances of getting infected and spreading COVID-19, staying home is the best way to protect yourself and others from getting sick. It is highly probable that vaccination is not going to be available by the time the voucher expires. 

In regards to credit cards disputes, USAA is NOT for its members, but for the merchants, such as XXXX 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 2020-06-26 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Equifax XXXX : Complaint Department XXXX XXXX XXXX XXXX, XXXX  XXXX I have recently pulled my Equifax credit report and notice accounts that have been investigated and deleted by another credit bureau still being reported by Equifax. Attached to this letter is proof that this account was deleted. Please follow suite and delete these accounts for accurate reporting. They were deleted in order to show my true credit history. 

XXXX  has removed all accounts associated with ( XXXX   XXXX  ). These collection agencies were reporting the following accounts from the following original creditors : ACC # XXXX Amounts : {$20000.00} Original Creditor : XXXX XXXX Pursuant to the FAIR CREDIT REPORTING ACT, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. Please send my accurate report as soon as your investigation is complete. 

Thank you for your cooperation, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
On the date of XX/XX/2020 I disputed charges that are inaccurate and obsolete that are affecting my Credit score. These charges were disputed with Credit Bureaus XXXX, XXXX, and XXXX. The false charges are listed below. 

Disputed Item : CONTRACT CALLERS INC ( ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ) Allege Amount Owed {$200.00} I have No knowledge of this 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 2020-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I am trying to connect my PNC bank account to a 3rd party payroll system to get our nanny on payroll and PNC is blocking me from doing so. Why is that?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This account is closed with an outstanding balance but they continue to report it as open as Im missing payments to purposely hurt my credit score. 

Car was mechanically totaled because dealer failed to disclose it has not had a recall serviced on and had previous body work. Car is no longer in my possession.

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 2020-06-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This account is closed with an outstanding balance but they continue to report it as open as Im missing payments to purposely hurt my credit score. 

Car was mechanically totaled because dealer failed to disclose it has not had a recall serviced on and had previous body work. Car is no longer in my possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This account is closed with an outstanding balance but they continue to report it as open as Im missing payments to purposely hurt my credit score. 

Car was mechanically totaled because dealer failed to disclose it has not had a recall serviced on and had previous body work. Car is no longer in my possession.

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 2020-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
Hi there, I was at the XXXX XXXX XXXX and was stopped by someone claiming to be a psychic healer. She requested {$260.00} in exchange for a professional healing that she would do for me at a pre-determined date. I sent this woman {$260.00} via Cash App and never heard back from her. Her handle is : XXXX  XXXX I feel very emotionally and financially violated by this. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: TX

Complaint narrative:
Returned my lease for XXXX XXXX and got new lease from XXXX a XXXX XXXX. However, six  months later I get a bill from XXXX XXXX stating my tires did not have proper thread and a scratch on my bumper etc. the bill was for XXXX, I negotiated the bill and was able to settle the tires for {$1100.00}. On my credit report for this lease it stares in comments that I negotiated out of my lease and show closed as of XXXX and negative in commentary and on my reports. This is not accurate and is offensive since I paid my lease off 100 % and was never late and I purchased a brand new lease the exact same day I turned in the XXXX lease which was in XX/XX/XXXX. My old lease that shows paid in settlement was from XX/XX/XXXX to XXXX XXXX.i have proof of tire settlement which had zero to do with paying my lease payment and Im attaching the negative information from my credit bureau

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 2020-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
Wont allow you to link with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: CA

Complaint narrative:
The report I sending is about the fraud accounts I found on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: I.C. System, Inc.
State: NC

Complaint narrative:
XXXX XXXX services sent me to collections for {$110.00}, they claimed I never returned my residential account equipment when they installed my business account in the same address. I changed from residential services to business account in XX/XX/XXXX. They waited over 1.5 years to inform me of this un-returned equipment. after they research the equipment and realized I didn't have it they removed the balance they claimed I owe them. Nevertheless, they already had send me to collections. The collections Agency is called IC System and they work for XXXX as their collector. IC system illegally reported erroneous information to my credit which is affecting my ability to obtain new contract in the line of business I work in. 

Now, it has been six months I've asking XXXX to provide me with some type of documentation to proof IC systems I don't own this money. XXXX  have submitted numerous amount of tickets with the intent to inform IC systems i dont owe them this money. However, this tickets have lead to no resolutions. 

XXXX refuses to call IC Systems and IC system say they dont call their clients to confirm the account status. I do have recorded conversations where they acknoledge they cant provide me with written documentation to resolved my dispute ; also, i have recorded my conversation with ic system where they acknowledge that they dont call XXXX. 

If they are doing this to me, i am sure they are doing it to other consumers as well. 

please, help me in getting this resolved and help consumers not having to jump thru hoops to be treated respectfully and fairly.

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 2020-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On the date of XX/XX/2020 I disputed charges that are inaccurate and obsolete that are affecting my Credit score. These charges were disputed with Credit Bureaus XXXX, XXXX, and XXXX. The false charges are listed below. 

Disputed Item : XXXX XXXX CAPITAL ONE BANK USA NATION ( ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ) Allege Amount Owed {$660.00} I have No knowledge of this accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: CA

Complaint narrative:
The report I sending is about the fraud accounts I found on 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 explanation
Consumer complaint received 2020-06-26 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: CA

Complaint narrative:
The report I sending is about the fraud accounts I found on 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 explanation
Consumer complaint received 2020-06-26 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: MO

Complaint narrative:
XXXX, XXXX and Experian are falsely reporting incorrect information on my personal credit reports. There's a list of inquiries on my credit report that was never authorized by me. These inquiries listed below was executed without my consent or knowledge. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/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 2020-06-26 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
these companies reported me late and I wasnt late. I was sick with XXXX. I called them I need them to honor please and update to never late XXXX - XXXX - Score Impact : Low Summary Details Transactions Source : Credit Report As of XX/XX/2020 Account # XXXX Account Status Open Payment Status Past Due - {$190.00} 2 of 2 XXXX - Score Impact : Low Summary Details Transactions Source : Credit Report As of XX/XX/2020 Account # XXXX Account Status Open Payment Status Past Due - {$50.00}

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 2020-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
on XX/XX/2020 I received an email about a new account added to my credit report i got several alerts about it from a few credit monitoring services. I noticed an account was showing from acima credit services which I did not open. I have fraud alerts on all my credit reports and a phone is listed to call for any new credit due to my x wife having access to my personal information. no contact was made by acima credit before the credit was extended. i have no idea what the credit is for or did I give permission for it to be granted. i have a FTC identity theft report filed case number # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I have contacted the merchant and pay pal with supporting photographs of receiving WRONG product. This has not been resolved since XX/XX/XXXX, Pay pal representative, XXXX, directed me to return product to address on XXXX XXXX. 

To further upload tracking and receipt to PayPal.com/Il/uploaddoc I called to follow up and representative told me i had to wait for an email correspondence and was unhelpful in assisting my resolution of a three week open case for a product refund that I DID NOT ORDER

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
Navient has been using unfair business practices, inaccurate credit reporting ; inaccurate and fraudulently application of student loan payments ; Providing me with false and misinformation. Continuous violations of the Fair Credit Reporting Act and Fair Debt Collection Act. 

Please request these two loans, one subsidized and on unsubsidized loan with Navient discharged ; these loans were fraudulently executed by XXXX XXXX XXXX, XXXX XXXX CA ; The school has since closed, and was not credited and mislead students with the cost of school, the accreditation and did not provide transcripts, and or diploma. 

These loans should of been discharged due to school closure ; Navient has my student loans set up to only have payments being applied to interest. None of my payments are being applied to the principal balance ; I have called several times and requested by mail, email and telephonically to discharge these fraudulent loans. Requested accurate information of the status of my account. Payment are only directed to interest. I am very concerned that Navient is operating a fraudulent, student loan servicing organization. 

Please discharge these loans immediately and report to the credit agencies accurate information as discharged. 

Respectfully, XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/2020 at XXXX I called into capital one to have another card reissued and sent to my address. The previous card never made it to me by mail. When speaking with the agent and explaining that my card expired at the end of XXXX ( XX/XX/2020 ), the card they had sent never made it to me. She put me on hold and said that she will need to look into the account. 10 minutes later she said she would have to transfer me to speak with a specialty agent regarding issuing another card because it was considered fraudulent activity due to the card not reaching me. I was transferred and the next lady who didnt know a thing and I had to reexplain myself again. She too had said I needed to be transferred. The third person informed me that my account had in fact been closed and thats why he wasnt able to issue me another card. I requested to speak with a manger. I was transferred again. Spoke with someone who had me on hold for more than an hour to try and reinstate my card. He got back on the phone again to tell me that he had to put in a request to another department so they could investigate this and that the turn around time takes 7-10 business days. He said there was nothing else he could do and took my number down and said they would be contacting me. I have been a loyal costumer for 10 years. There was no fraudulent activity on my card and I never said there was. My account was in good standing and I just paid it off and all I needed was another card to start making purchases again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-26 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: CA

Complaint narrative:
I am filing this report because there are three accounts on my credit report that are not mine ; The only reason I was made aware of these accounts is because I got my credit ran at XXXX XXXX XXXX XXXX since I'm trying to get a loan. The account names are XXXX XXXX  for {$34000.00}, XXXX XXXX XXXX for {$12000.00} & XXXX XXXX XXXX for {$30000.00}. None of those accounts belong to me nor do I have any written or verbal contract with these companies and I never gave them permission to run or access my credit/personal information. I don't know who opened these accounts in my name without my permission but I already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I take part in any purchases or payments made towards these debts.

Company response to consumer: Closed with explanation