vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-22 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
My wife and I leased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX , NJ. The lease was through Mercedes-Benz Financial Services . We decided to purchase the vehicle and received the payoff letter from XXXX on XX/XX/XXXX. We followed all the instructions and overnighted the check ( along with a package which included an odometer reading, copy of Florida drivers license, special Florida mailing instructions, a copy of the payoff letter, a Florida payoff checklist, a copy of our auto insurance, a signed Florida Power of Attorney/Odometer disclosure, a signed lease end inspection summary, a copy of the Florida vehicle registration, a signed certificate of emissions and the titling instructions ) for XXXX within the 10 day window. The check was mailed overnight on XXXX XXXX, XXXX, tracking number XXXX, and they cashed the check XX/XX/XXXX. We also included a separate check for XXXX made payable to XXXX XXXX and XXXX per the instructions from XXXX financial. This extra fee that XXXX XXXX requested was so they could register the vehicle in our name at our current Florida address. We were originally told that we would get the title in 10 to 14 days so we requested that it be sent to our NJ address. After not receiving the title by XX/XX/XXXX, we updated the request to have the title sent to our Florida address. We have contacted XXXX XXXX weekly by phone every week for the last XXXX months because we have yet to receive our title. On each phone call we are promised that the title is forthcoming. One of the excuses that we were given was that a title mistake was made when we re-registered the car to our Florida address in early XXXX. They blamed this on us (!! ) but this was also a problem with their title department... we did not initiate a title change at that time! 

It has been over over 15 weeks since we sent them our check and we have not yet received the title as of yet. In fact the last conversation we had with them on XX/XX/XXXX, we were told that we would not be getting a title in our name, but would be getting a payoff letter so we could register the title ourselves. This seems odd because we already paid XXXX to Sunstate Tag and Title and included that check ( per MBFS instructions ) in our payoff package sent to Mercedes Financial on XX/XX/XXXX. 

I have attached XXXX pictures showing the checks that they cashed and the receipt from our overnight package to them on XX/XX/XXXX. I have copies of all the other documents but they exceed the 10 megabit limit to upload with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act the following accounts have violated my rights : XXXX account # XXXX. 
XXXX account # XXXX XXXX  account # XXXX XXXX XXXX  XXXX account XXXX XXXX XXXX XXXX  account # XXXX XXXX account # XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX  account # XXXX 15 U.S.C 1981 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 an 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 2022-02-22 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: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act the following accounts have violated my rights : XXXX  account # XXXX. 
XXXX account # XXXXXXXX XXXX account # XXXX XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX  account # XXXX XXXX XXXXXXXX REC account # XXXX 15 U.S.C 1981 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: MI

Complaint narrative:
These following account below said to be a collection account that was sold to XXXX/XXXX  with the same account number showing on my report. This collection accounts were both reporting on my report which leads to multiple appearances and a grave impact on my Credit scores and credentials. These particular collection accounts should not be shown as XXXX different collections since they're definitely the same. Moreover, I have made my payment to the original creditor. These should have been removed if a proper investigation was conducted. If you still insist that I am still liable, make sure to provide me definite and legal proof for me to confirm. 
XXXX/XXXX  XXXX Balance : {$1000.00} AD ASTRA REC ( Original Creditor : XXXX  XXXX XXXX ) XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
In XX/XX/XXXX, I was taken to Landlord Tenant court ; by XXXX XXXX I made an agreement to pay XXXX, XXXX, XXXX, XXXX, and Attorneys ' fees. I made all payments by XX/XX/XXXX except {$500.00} attorneys. I lost my job in XXXX. Which lead me to become behind in rent moved out in XX/XX/XXXX. When I moved out, I was in arrears {$4900.00}. For XXXX, XXXX, XXXX, and partial XXXX. My security deposits were {$1400.00}. I did not receive it back which was understandable under the circumstances. XX/XX/XXXX, I received correspondence from National Credit Systems stating I owed {$5200.00} to XXXX XXXX for the months of XXXX, XXXX, XXXX, XXXX of XXXX. Furthermore, National Credit Systems is collecting on XXXX behalf. I submitted supporting documents that those payments were made, and that security deposit was not deducted and that the amounts reported is inaccurate for two reasons. One, the months are not correct please request payment history from wincoram. Two, security deposit was not deducted. To no avail even with documentation National Credit refuses to update the account so I can make payments and with the credit agencies. I did not go into contract with national credit, nor did I accept the debit. Please assist me as to what I should do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am a business owner. I was giving a check by a business i do business with. The check was stolen and someone deposited it into their personal account via atm. Wells fargo bank allowed this personal account holder to deposit a business check that wasn't made out to them into this persons personal account. Wells Fargo contacted the business I do business with and asked them who they gave the check to and they said my company name. Wells then said to put a stop payment, but it was too late. Wells Fargo 's legal fraud department contacted me and said they figured out who did it and asked me to file a police report. Then they said have the business who gave me the check file a claim, which they did. Everytime i contact Wells fargo for the status of the refund to the business i got the check with so they could give me a new check they say it is a slow process and still pending review. Its been over a month now.

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 2022-02-22 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: AZ

Complaint narrative:
XXXX XXXX, AC # XXXX, XXXX, Amount {$2500.00} This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXX # XXXX, XXXX, Amount {$840.00} This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$22000.00} This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$530.00} This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible.

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 2022-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD Bank failed to notify me of the change in payment, failed to apply my automatic payment properly to my monthly charge, failed to adjust the payment amount despite the money being in the linked account. I moved all of my banking relationship over to TD Bank and configured my automatic payment drafting to ensure that this would never occur. My payments were not applied, and I had to call in and speak to someone who was able to reverse the fee, properly apply the payment, and get my account into the good standing that it should have been from the beginning of the issue. 

I paid {$6700.00} on XX/XX/XXXX, and again on XX/XX/XXXX via my automatic draft that was set up to pay my mortgage amount. I was never notified of the change, or of the fact that the amount was not correct. The second payment of {$6700.00} would have resolved the initial short amount, by which time I received a notification from my credit monitoring that a late payment was received. At this point, I immediately called TD bank, who saw the issue, reversed the fee, and adjusted my payments properly. The individual that I spoke with told me to just fill out a dispute form and the credit mark would be removed from my credit report, however I just received the result back and the dispute was declined. I want this dispute overturned, and the mark removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: TX

Complaint narrative:
Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Equifax Bureau for them to verify and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : US DEPT ED XXXX Balance : {$1800.00} Date OpenedXX/XX/XXXX/2018 US DEPT ED XXXX Balance : {$2300.00} Date Opened : XXXX/XXXX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Healthcare Collections-I, LLC
State: AZ

Complaint narrative:
Dear Sir/Madam, XXXX ( healthcareinc ) is attempting to collect a debt. Their tactics are either laughably incompetent or connivingly sinister in their methods. 
I received a letter of collection from them that clearly stated how to pay. I WILL NOT REGISTER with them or call them, I believe every transaction and communication should be documented in writing. 
When attempting to pay at XXXX XXXX XXXX I was unable to do so. The account number had ambiguous text or numbers, and even what looks like capitalized and lower case letters. After trying every single possible variation ( even improbable ones ), I came to the conclusion that they do not want you to be able to pay using their " Want To Pay Without Enrolling?, One-Time Payment '' option. Interestingly, there is NO WAY to contact them by email or messaging. Please try to connect to their website with the information on the letter they sent me, I'm sure you'll find it to be impossible. If this company has the ability to place a derogatory mark on one 's credit history, then some minimal level of competence should be met, otherwise it SHOULD BE ILLEGAL!

I shudder to think what additional information they may have and in what ways they may be misusing 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 2022-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: MD

Complaint narrative:
This company is taking debts and making people pay them when they don't have their account. I contacted them after receiving a letter and they had an account under my previous married name for XXXX XXXX. After investigating with XXXX XXXX this was false information the account was actually in my new married name and is mine. So I feel this company is taking money from people who do not actually owe it to them. Company is National Credit Adjusters ( XXXX ) XXXX XXXX XXXX XXXX, XXXX, KS XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I recently received a copy of my ( XXXX, XXXX or Transunion ) consumer report, and I noticed that it is reporting my experience with these companies. 

The line of credit reported with these companies is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 

XXXX  XXXX XXXX acct # XXXX XXXX  XXXX  acct # XXXX XXXX XXXX  XXXX acct # XXXX XXXX  acct # XXXX XXXX  acct # XXXX XXXX acct # XXXX XXXX  acct # XXXX XXXX  XXXX  acct # XXXX XXXX/XXXX  acct # XXXX Your company is in clear violation of the law. 15 U.S. Code 1681 ( A ) ( I ) -EXCLUSIONS-Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any ( I ) a report containing information solely as to transactions or experiences between the consumer and the person making the report! 

THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( Put the creditor Name here ) making the report is NPT INCLUDED on my Consumer report! 

Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) put creditor name here ) that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 

YOU HAVE VIOLATED THE FCRA 15USC 1681A 2Ai by reporting the transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 

You have XXXX calendar days to update my utilization to 5 % or below and delete all Utilization from the below account. 
( List accounts with high utilization here ) Failure to respond satisfactorily with deletion of the above Utilization will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance- 616. Civil Liability for willful noncompliance [ 15 U.S.C 1681n ]

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 2022-02-22 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I recently received a copy of my ( XXXX, Equifax or XXXX ) consumer report, and I noticed that it is reporting my experience with these companies. 

The line of credit reported with these companies is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 

XXXX XXXX XXXX acct # XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXXXXXX acct # XXXX XXXX acct # XXXX XXXX acct # XXXX XXXX acct # XXXX XXXX  acct # XXXX XXXX XXXX acct # XXXX XXXX acct # XXXX Your company is in clear violation of the law. 15 U.S. Code 1681 ( A ) ( I ) -EXCLUSIONS-Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any ( I ) a report containing information solely as to transactions or experiences between the consumer and the person making the report! 

THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( Put the creditor Name here ) making the report is XXXX INCLUDED on my Consumer report! 

Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) put creditor name here ) that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 

YOU HAVE VIOLATED THE FCRA 15USC 1681A 2Ai by reporting the transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 

You have 10 calendar days to update my utilization to 5 % or below and delete all Utilization from the below account.

( List accounts with high utilization here ) Failure to respond satisfactorily with deletion of the above Utilization will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. XXXX XXXX 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance- 616. Civil Liability for willful noncompliance [ 15 U.S.C 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft and this is a fraudulent account that's reporting to my credit report that do not belong to me. I do not recognize it, nor did I authorize it, Can you please delete and block the following fraudulentinformation from my credit report. 
XXXX XXXX XXXX Acct : # XXXX Amount {$480.00} XX/XX/21 Ive spoke with the credit bureau and they have told me to supply them with the account number and they would remove this fraudulent account from my credit report. XXXX XXXX XXXX is reporting this fraudulent account to my credit with knee way of even validating the debt. 
*See Attached*

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items in 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand this account be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and my have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation