vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-10 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Collection Dispute : A leasing company that never reimbursed me for my one month rent deposit is now claiming that I owe them money. They have never sent any bills to me but have placed a collection notice on my file for a bill that doesnt make sense to me. I lived at complex for 2 years with no issue, the 3rd year a new management comes along and terminated lease with several tenants. And now claiming I owe them money and havent reimbursed for my one month rent deposit {$1400.00}. I have successfully disputed the item from XXXX and Experian is giving me difficult removing the item which is affecting my credit rating. I dont know what info the collection agency is furnishing for their attempt to extort money. Please help me remove this incorrect credit report from my Experian account. Thank you

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 2021-03-10 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: DE

Complaint narrative:
Leased XXXX XXXX XXXX XXXX on XX/XX/XXXX from XXXX XXXX of XXXX XXXX. The lease was for 42 months and included XXXX XXXX XXXX of {$3300.00}. The first maintenance would have been after XXXX miles. On XX/XX/XXXX the vehicle was totaled and only had approximately XXXX miles to that date { driving was limited due to XXXX -- lease allowed XXXX miles per year XXXX. The dealership provided disjointed and no follow up to my request for a refund. I first wrote to the finance person as well as my sales person on XX/XX/XXXX asking for a refund. I then sent numerous email to the XXXX, sales XXXX etc. finally I got hold of the finance person and took over the communication with their parent company, XXXX XXXX. They finally got the info they needed to proceed and then they received a response i early XXXX, XXXX stating XXXX had ruled that they would not refund the money and would be keeping it because they decided on XXXX XXXX that they would no longer refund any pre paid maintenance funds. The response was sent to the dealership and I had to call XXXX XXXX to find out that they would not refund the money. I lodged a complaint with XXXX and they still declined to make a refund. I do understand there is a discount for purchasing pre paid maintenance and do get that refunds part way thru XXXX be problematic BUT I had an accident, NO service had been done, they are keeping {$3300.00} and profiting from my accident and doing NO service

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: CA

Complaint narrative:
On XX/XX/XXXX I submitted a dispute letter to all XXXX bureaus disputing that XXXX XXXX XXXX XXXX XXXX is reporting a collection that has surpassed the statue of limitations and thus should be removed, however on XX/XX/XXXX my credit report was updated to reflect that this account will remain on my credit report. 

I am disputing the XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX vs. XXXX XXXX. 

Attached are the following documents to demonstrate that this account is well passed the Statues of Limitations. My last rent payment to XXXX XXXX XXXX, the landlord to XXXX XXXX XXXX, XXXX XXXX, CA XXXX, was XX/XX/XXXX. 

XXXX. Addendum XXXX : Request To XXXX XXXX For XXXX dated XX/XX/XXXX. Please refer to the highlighted section on page XXXX of XXXX. 

XXXX. Addendum XXXX : NOTICE THAT YOU HAVE BEEN SUED dated XX/XX/XXXX. Please refer to the highlighted section on page XXXX. 

XXXX. Addendum XXXX : After XXXX XXXX dated on XX/XX/XXXX. Please refer to the highlighted section on page XXXX of XXXX. 

Clearly the evidence shows the collection efforts commenced in XXXX, shortly after the last/final payment was made to the XXXX XXXX XXXX XXXX XXXX XXXX which ultimately sent this account to collections. 

According to XXXX. XXXX. XXXX. XXXX XXXX XXXX. seq. this account has passed the XXXX years Statutes of Limitations to collect such debt, and thus should be removed.

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 2021-03-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Credit Card Acquisitions Group
State: FL

Complaint narrative:
Foster and monroe left the voice-mail below. I did not know who it was, called back and started speaking about my tax return This very important messages regarding a situation in our office pending regarding the tax return individual by the name of XXXX XXXX XXXX (? ) now. It's imperative that we speak to that individual their attorney or the power of attorney right away regarding the matter at hand pending in our office that may affect their 2020 tax return. Our office line here is XXXX XXXX thank you for your time and have a good key XXXX XXXX ... XXXX XXXX ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: NY

Complaint narrative:
I contacted XXXX XXXX XXXX several times at the end of XXXX and beginning-mid XXXX to notify them that I had changed jobs and my payday cycle was being changed. I told them that I would not be able to make my XX/XX/XXXX mortgage payment until the end of the month. Additionally I received a letter from the mortgage company that an additional {$140.00} was needed because the escrow was short. I contacted the company several times, and was told " no problem, as long as the payment is made before the end of the month it will not be reported to the credit agencies as being delinquent. '' I logged on to XXXX XXXX XXXX 's website on XX/XX/XXXX at approximately XXXX XXXX  to make my regular monthly mortgage payment as well as the additional money needed for escrow. The mortgage company did not process my payments until midway through the first week of XXXX. Additionally they sent me a follow up letter stating that they did not know what to do with the additional money I had sent them. XXXX XXXX XXXX reported me as delinquent to all 3 credit agencies, even though I made the payment before the end of the XXXX month. I had to make several phone calls to the company about what to do with the additional money I sent them. They could not find any record of a letter asking for this additional money amount. Then at the end of XXXX I received another letter from XXXX XXXX XXXX  stating that they miscalculated my escrow and wanted me to send them over {$2000.00} in the next 15 days to fix the negative escrow balance, or they were raising my monthly mortgage payment by over {$100.00} for 31 months to make up the balance! 

This company does not return phone calls. When I asked them to listed to my recorded conversations I was told they could not locate my calls. This was not a mortgage company of my chosing. My original mortgage company has been bought out and traded several times since originally getting my mortgage in XXXX. I have paid my mortgage every month, with the exception of when I was XXXX for several months due to XXXX on my XXXX back in XXXX, and at the time XXXX XXXX XXXX was not the mortgage company. I have always paid XXXX XXXX XXXX on time, with the exception of this one incident in which I called to notify them of a change in my paychecks. 

I am a XXXX who has been a frontline worker all during COVID. Despite living through and working a pandemic I always pay my bills on time. I am outraged that XXXX XXXX XXXX did this to me. As a result my credit has dropped from a XXXX to a XXXX. XXXX XXXX XXXX is refusing to correct this, and I am hoping you can help me.

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 2021-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have disputed the account, XXXX XXXX, several times with Transunion. The errors have not been corrected and the account remains on my credit report the same way. The account has several missing payments, which is incomplete information. I have pointed this out with documents several times. Still, the issue has not been fixed and the account has not been deleted. This is not fair. The company has to report ALL information. Look at the attached document. You can CLEARLY see the missing payments. The account was opened in XX/XX/XXXX. Look at the open date. However, there are no payments reported until XX/XX/XXXX, which is over a year after the account was opened. There are also several missing payments throughout the reported payment history. Incomplete information is a violation of the Fair Credit Reporting act. TransUnion has allowed this company to continue to verify this incomplete and inaccurate information.

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 2021-03-10 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: LEXISNEXIS
State: IL

Complaint narrative:
I EMAIL LEXISNEXIS BY WAY OF THEIR CONSUMER PORTAL TO VIEW MY CREDIT REPORT. LEXISNEXIS MAIL ME A LETTER WITH A URL SITE TO GO TO WITH, PIN NUMBER WHEN YOU TYPE THE URL LINK YOU GET AN ERROR MESSAGE. TRY TO CALL THEIR PHONE NUMBER YOU JUST GET AUTOMATED ANSWER. NO ONE TO SPEAK TOO.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mr. Cooper is in violation of the CARES Act by reporting late payments to the credit agencies while the property was in forebearance as a result of the COVID emergency. 

Mr Cooper has the following in its possession 1 ). the approved forbearance letter from Mr. Cooper, dated XX/XX/2020 for the time period of XX/XX/2020 through XX/XX/2020, 2 ). notice from Mr. Cooper that the mortgage was paid-in-full on XX/XX/2020 and 3. ) XXXX credit report showing late payments for XX/XX/2020 and XX/XX/2020. 
I have spoken with four individuals at Mr. Cooper on XX/XX/2020 ( two contacts ), XX/XX/2020 and XX/XX/2020. There is a credit dispute on file with Mr. Cooper, dated XX/XX/2020. Mr. Cooper 's claim is it takes 30 days to resolve. This is unacceptable in that it is a violation of Federal law and should be remedied immediately. Additionally the credit error is preventing me from proceeding with a refinance on my primary residence mortgage which has negative financial implications.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/2021 I had XXXX ATM withdrawals that were not mine and I did not authorize. The amounts were XXXX, XXXX & XXXX. The next time I attempted to use my card I had insufficient funds in my account to do so. I immediately contacted the bank and they did issue a credit to my account for the charges I disputed. I received a email today stating that my claim has been denied. The reasons being " Our research shows this transaction occurred with a chip card at a chip-enabled terminal. '' These charges were not mine. I'm not sure how far the investigation went but I was certain that when they seen the camera from the ATM used they would have to realize my claims were justified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/21 US Bank in XXXX XXXX, CA charged me XXXX {$36.00} = {$72.00} Overdraft Charges on check # XXXX. On XX/XX/21 I was charged another XXXX XXXX on check # XXXX. I set up the second checking account at the advise and recommendation of a bank teller. I was guaranteed that both checking accounts were linked together to avoid future Overdraft Charges. Since I was having ongoing issues related to accessing my account on line. I was informed that a technical employee would call me to assist me. Unfortunately my multiple attempts to get assistance never revealed any positive results. I made a complaint to the a manager at the XXXX XXXX Branch, but they did not do anything to help me. When I opened up the second checking account I was told that since I was a good long standing customer the bank and that I was having internet problems, they would notify me when my account was reaching a XXXX balance.

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 2021-03-10 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: FL

Complaint narrative:
There are at least six ( 6 ) instances where my name is being inaccurately reported. 
6 different names that are not mine. I requested deletion of all names except my actual name. 
There are at least twenty-three ( 23 ) instances where an address is being inaccurately reported as my address. 
I requested deletion of all other addresses that was not mine. 
There are at least three ( 3 ) instances where my phone number is being inaccurately reported.

I requested deletion of all other names.

There are at least four ( 4 ) instances where my employment is being inaccurately reported. 
I did not consent to those agencies furnishing reports with incorrect names, addresses, phone numbers, and employers. I believe this is either provided fraudulently and/or invites fraudulent actors to take advantage of such an inaccurate report. 


My only name is : XXXX XXXX My only address is as follows : XXXX XXXX XXXX XXXX, Florida XXXX My only phone number is : ( XXXX ) XXXX My only employment is : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 non-monetary relief
Consumer complaint received 2021-03-10 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: General Motors Financial Company, Inc.
State: SC

Complaint narrative:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " XXXX XXXX '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - XXXX XXXX XXXX and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you XXXX help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your XXXX to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: NY

Complaint narrative:
I have an account that is also is reporting different information on the credit bureaus. I have disputed this account several times and the bureaus have stated it was investigated, reinvestigated, and verified. I asked for the method and proof of verification but never received anything. The bureaus are reporting different dates for last activity, date of last payment and, days late. This is in direct violation of FCRA laws and has caused financial hardship and burden as a result and is subject to compensatory and punitive damages.

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 2021-03-10 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: TX

Complaint narrative:
My information was used and published without my consent. Please see the 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 2021-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
Case number XXXX Email sent XXXX XXXX XXXX. The title of the email was License Picture Rejected Over and Over. I accidently hit a key and disabled my account from my I phone for fraud. So the account was disabled and I could not get in. I tried to reopen my account by taking picture from my computer but license rejected several times. 
XXXX # XXXX Email sent XXXX XXXX XXXX. Title License Accepted. I got my account on I phone and was able to take picture of license and it was accepted but still account disabled. 
Case XXXX XX/XX/21 XXXXXXXX XXXX. Title was License and again XX/XX/XXXXXXXX XXXX XXXX. I got the following response each time I emailed them. " Hello, Thanks for submitting your request to Coinbase Support. We are here to help and will be in touch as soon as possible. In the mean time, you can find answers to many of your questions by visiting our help center. Regards Coinbase Support. I found none of the articles addressed my issue. They had no chat or phone support.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-10 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I was a with SYNCB/TJX CO XXXX customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XXXX and XX/XX/XXXX ). I was an exceptional customer paying every month on time. I am writing to SYNCB/TJX CO XXXX agency because I am having difficulties with buying a house and applying for new credit cards. The mark in my credit reports prevents me from achieving the desired results. I am kindly requesting SYNCB/TJX CO XXXX agency to remove this missed payments from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

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 2021-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
PROFESSIONAL DEBT at XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX has been sending me collection notices in the amount of {$3800.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I am writing to you because I am having difficulties with buying a house and applying for new credit cards. I paid the XXXX BANK NA account already and do not owe anything, but the mark in the report prevents me from achieving the desired results. 
I am kindly requesting your company to remove this account from my credit report as a gesture of goodwill. Thank you in advance.

Company response to consumer: Closed with explanation