vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Date Reported XX/XX/XXXX Payment Status 120 Days Late Amount Past Due {$170.00} Account Details Bureau Name CAPITAL ONE BANK USA NA Account Type Credit Card Responsibility Individual Age Of Account 1 Years, 1 Months Credit Limit {$300.00} Credit Used 135 % Highest Balance {$420.00} Payment Details Amount Past Due {$170.00} Date of Last Payment XXXX XXXX XXXX Monthly Payment {$25.00} Payment Frequency Not Reported On Time Payments 50 % Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Bureau Name XXXX XXXX XXXX Original Lender 11 XXXX Account Type Not Reported Responsibility Individual Age Of Account 5 Years, 9 Months Credit Limit Not Reported Highest Balance {$1500.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Bureau Name XXXX XXXX Original Lender 10 XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$350.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: NM

Complaint narrative:
This is a debt collection for a false claim by XXXX. I filed a complaint with consumer financial protection bureau ( cfpb ) on XXXX. 
CFPB referred complaint to the Federal Trade Commission ( FTC ) on XX/XX/2020 I received a collection notice from credit collection services dated XX/XX/2020.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
TD Auto Finance continues to harass me via phone, email & by mail. This vehicle was sold at an auction & theyve received more than worth the car was worth. They claim I owed a difference in the loan of XXXX & they have been illegally charging interest & reporting to all 3 credit bureaus as if I still have possession of the vehicle & now  reporting that I am behind in car payments & that I owe {$18000.00} they have also threatened to sue me in attempt to get a judgment made on my account. My next steps is to counter sue for harassment. This is absurd. They're manipulating me as a consumer & their business should be closed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK
State: OK

Complaint narrative:
This company is continuing the same business practices as described in legal action brought forth by CFPB. I am referring to the below which describes my situation exactly. 
WASHINGTON, D.C. The Consumer Financial Protection Bureau ( CFPB ) today filed a lawsuit against Freedom Debt Relief, the nations largest debt-settlement services provider, and its co-CEO XXXX XXXX for deceiving consumers. The CFPB alleges that Freedom charges consumers without settling their debts as promised, makes customers negotiate their own settlements, misleads them about its fees and the reach of its services, and fails to inform them of their rights to funds they deposited with the company. The CFPB is seeking compensation for harmed consumers, civil penalties, and an injunction against Freedom and XXXX to halt their unlawful conduct. 
I have had to start negotiaons myself, most of the creditors indicate no contact was made with Freedom debt relief on my behalf. Because of this XXXX card a creditor sued me, I stepped in and started negotiations with the creditors attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
A leased a new car manufactured by Mercedes Benz USA that was was un-merchantable as one week before I leased the car, the manufacture ( Mercedes Benz ) had already planned a nationwide recall and subsequent stop sell of all modes of the car pursuant to federal laws because, there were no parts available to repair/prevent inadvertent driver-side air bag deployment. 

To make matters worse, Mercedes reps contacted me to complete the lease transaction and sign additional documents on the day the recall became active and on " three '' separate occasions after the " recall and stop sell '' of the car was placed pursuant to federal law. Yet, failed to inform me a " stop sell '' of the car was now placed. 

I discovered the facts above three weeks after purchase. Thus, had the car towed back to the dealer, refused to retake possession and instantly sought lease recession because I feared for my life if driving a car that is known to inadvertently deploy the driver side airbag. As well as due to not receiving the goods promised, the car not being of the quality a new car consumer of a luxury product reasonably expected and not being informed of the pre-existing driver-side air defect ... I would not have purchased the car or completed the lease transaction had this information been disclosed to me beforehand In addition, at the same time, the car was also found to have defects of the passenger air bag as well, in that the OSC censor failed and would not deploy the passenger airbags should their be an accident. Thus, both driver and passenger air bags were defective within the first three weeks of purchase. 

Yet, my request for lease recession citing the above reasons was denied by Mercedes, the car remained at the dealership for one month pending repair of the driver airbag and while Mercedes would go on to repair the car against my will.. they also partook in unethical business practices as they rejected my request for lease recession by stating the car was repaired and suggest legal action should I refuse to retain possession of it. 

As a result, I have spent almost one year trying to informally resolve this matter. However, Mercedes continually refused to address any of the claims cited here within directly and or explain how they are absolved from granting my request for lease recession when they knowingly allowed a car to be leased with a known substantial, safety defect and absent disclaimer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
These are not my accounts reporting on my Transunion credit 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 2020-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
I am furnishing this complaint against Fed Loan for denying me the right to have student loans removed off my credit because of my criminal record according to False Certification. They found me not eligible by stating there is no evidence that the school was made aware of the disqualifying status. I was not made aware that I might not qualify for employment due to my criminal record for which field I was being trained in because no one asked or gave me appropriate counseling. 

XXXX College, formerly known as XXXX XXXX XXXX College would have been aware ONLY if the school would have INQUIRED about my criminal record prior to enrolling in school. I have no reason to deny that when this is public records and apparently can be found. 

Furthermore, I inquired about the Promissory Note with XXXX XXXX Student Loan Servicing before because I wasnt certain that I had signed on to this and requested that send me a copy. The Promissory Note has incorrect information that I highlighted such as my name. It asked for your whole name and my whole name is not located anywhere on there. Also, there is nowhere on the Promissory Note that ask are you a felony for any type of crime other than for fraud. Nor did I receive counseling regarding a loan or my eligibility for a loan and anyone could have done an electronic signature. 

However Fed loan states you may qualify if you had a physical condition, medical condition, legal status, legal condition or a CRIMINAL RECORD that would legally bar employment in your field of study at the time your school certified or originated your loan. How was I supposed to know this information? They asked about fraud, then they should have asked about other criminal records. 

According to XXXX  and XXXX, XXXX  is where I now reside. Both states have set rules that prevent one from gaining desirable employment in the XXXX XXXX and to provide a XXXX  business for XXXX XXXX XXXX. However ; my criminal record has become an obstacle. I studied XXXX XXXX so that I would have essential XXXX  skills and knowledge to become an XXXX  and to work with XXXX. 

I am not able to get ahead in life and to have been to school and still not able to conquer my dream job is quite depressing and embarrassing. I would like to have these loans removed off my credit immediately. Extortion is illegal and again, I think that the school should have questioned or counseled me before signing up for a program that I cant benefit from. 

I wish I would have known going to school wouldn't benefit me because my criminal record prevents me from gaining employment and becoming an entrepreneur. 

I have attached documents for you to review.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK

Complaint narrative:
account resolution services is reporting 4 different accounts on XXXX  and XXXX  that I do not owe. first account is for {$720.00}. opened XX/XX/XXXX, I disputed this account with them and they yet have sent any validation to this account. such as an agreement that would have my signature and a photo copy of my ID. second account is being reported for {$480.00} opened XX/XX/XXXX XXXX again disputed they have not sent no validation such as a signed agreement and copy of ID. Third account {$190.00} opened date XX/XX/XXXX XXXX no validation with this account. forth account {$510.00}. opened XX/XX/XXXX they have not validated this account. I have disputed all four of these accounts and they continue to report these accounts with out proving that these are my accounts, they are oppressing my credit report in an attempt to force me to pay which is not mine. 
since they have not provide any proof I will be force to file a fraud affidavit against account resolution services upon they out come of this investigation. they are in possession of my personal information with out justify why they have it and are using it to force me to pay what I believe I don't owe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: NV

Complaint narrative:
I requested cancellation of PMI on our mortgage as the loan to value amount is less than 80 % that is required to continue paying for the PMI. Our assessed value of the property is {$380000.00} and our current mortgage balance is {$280000.00} and LTV I computed is XXXX which is way below the automatic termination of PMI when the LTV is 78 %. I sent an initial request with an appraisal of the property value of {$350000.00} and they won't believe the appraisal that I submitted. Based on that appraisal the LTV is XXXX which is below the 80 % requirement. I submitted the notice of value from the assessors office with my second submission but still received a letter that the loan does not meet the requirements to cancel the PMI. I don't know now what do they believe on the actual valuate of the property. The valuation I submitted to them is from XXXX County Assessor 's office and they are the basis for paying our property tax so it must be accurate. The fair market value is even higher if we do an actual appraisal at this time as we made improvement on the property which was reflected on the valuation from the assessor 's office. 

The address for the Lender is as follows : Attention : PMI Department XXXX XXXX XXXX XXXX XXXX, MI XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Fraud alert removal

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-11 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: Total Card, Inc.
State: GA

Complaint narrative:
I made a payment on the day before my statement closing date of XX/XX/2020, my payment was made with guaranteed funds and before the XXXX cst business day cut off to post that day. The company did not post that payment and even tho I notified them, sent inaccurate information to the credit bureau knowing that they were reporting incorrect information. I was also charged interest and a late payment fee per the representative, after speaking with a supervisor name XXXX who refused to take any action to prevent the delivery of incorrect information from reaching the credit reporting agencies and also continued to say the cut off was XXXX cst when I Refered to the disclosure where it stated XXXX she refused to send the documents showing XXXX. I have attached the disclosures, refer to page XXXX on payment posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
My XXXX featured was blocked an I couldn't get to the fraud department after waiting for more than 30 minutes. The call back are 48 hours. I got missed call and try to reach them again and was put in a very long hold. This is totally unacceptable where the bank try to save money by putting extreme inconvenience to their customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have made multiple attempts to obtain information from Ocwen Loan Servicing, llc, the Servicer of Deed of Trust # XXXX XXXX recorded in XXXX XXXX XXXX Recorder 's office regarding a purported foreclosure sale of " property '' to satisfy an obligation secured. OCWEN LOAN SERVICING, LLC has evaded the specific question. 

QUESTION : WHAT is the name of the holder of the promissory note secured by the Deed of Trust # XXXX XXXX that OCWEN paid ( after the foreclosure held XX/XX/2015 ) to satisfy the obligation OCWEN claimed existed in a Notice of Default document recorded in XXXX XXXX XXXX Recorder 's Office ( See Attachment document identified as " Notice of Default ''?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
Please note, Toyota Financial Services is the brand name of Toyota Motor Corporation. 

In XX/XX/XXXX, I agreed with Toyota Financial Services to extend my lease on a month to month basis for a maximum of 6 months. 
I made my last monthly payment on XX/XX/XXXX in full amount of {$160.00}. This payment would give me the right to use the car until XX/XX/XXXX. 
On XX/XX/XXXX, I turned the car into the dealership to end my lease. On XX/XX/XXXX, Toyota Financial Services sent me a letter acknowledging that my car had been returned. As a result, they should have sent me a final bill for the lease termination amount less any credits for being under mileage. 
On XX/XX/XXXX Toyota Financial Services proceeded to bill me another {$160.00} assuming I still had possession of the car. This is in despite that the dealership bought the car from Toyota Financial Services after I had turned the lease in. 
On XX/XX/XXXX in a phone call with Toyota Financial Services, they assured me that it was a mistake, my account would be closed, nothing would be reported to the credit reporting agencies, and they would send me the bill for the termination fee. 
On XX/XX/XXXX, I received notice from a credit monitoring service that Toyota Financial Services has been flagged as delinquent by XXXX. Toyota Motor Credit Corporation has reported me to a collections agency. 

On XX/XX/XXXX, Toyota Financial Services sent me a letter with my transaction history. The second to last transaction is titled, " Lease Termination Reversal '' and Toyota Financial Services is attempting to bill me for a car that was returned to them on XX/XX/XXXX that they then subsequently sold to the dealership for resale.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 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: OK

Complaint narrative:
there is an account from XXXX XXXX being reported as charged of and a collection account from XXXX XXXX  as an account being in collection both accounts refer to XXXX XXXX. I don't recall having a XXXX   account, I have never been notified by either of these accounts. I believe XXXX XXXX  is trying to collect on an account I don't owe. 
XXXX XXXX  needs to send validation that this my account, and same with finger hut. Transunion and XXXX needs to remove both of these accounts for they are duplicate accounts being report twice to my credit report. once as a charged of credit card and once as a collection under XXXX XXXX. 
if this problem is not resolved through this report, then I will have to file a fraud affidavit against XXXX XXXX for being in possession of my person information with out providing any proof why they should be in possession of such information. 
make sure all document sent to me bares my signature and a photo copy of my government issued ID.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 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: OK

Complaint narrative:
there is an account from XXXX XXXX being reported as charged of and a collection account from XXXX XXXX  as an account being in collection both accounts refer to XXXX XXXX. I don't recall having a XXXX   account, I have never been notified by either of these accounts. I believe XXXX XXXX  is trying to collect on an account I don't owe. 
XXXX XXXX needs to send validation that this my account, and same with XXXX XXXX. XXXX and Equifax needs to remove both of these accounts for they are duplicate accounts being report twice to my credit report. once as a charged of credit card and once as a collection under XXXX XXXX. 
if this problem is not resolved through this report, then I will have to file a fraud affidavit against XXXX XXXX for being in possession of my person information with out providing any proof why they should be in possession of such information. 
make sure all document sent to me bares my signature and a photo copy of my government issued ID.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-11 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: CL Holdings LLC
State: OK

Complaint narrative:
there is an account from XXXX XXXX being reported as charged of and a collection account from Jefferson capital as an account being in collection both accounts refer to XXXX XXXX. I don't recall having a XXXX   account, I have never been notified by either of these accounts. I believe Jefferson capital is trying to collect on an account I don't owe. 
Jefferson capital needs to send validation that this my account, and same with finger hut. XXXX and XXXX needs to remove both of these accounts for they are duplicate accounts being report twice to my credit report. once as a charged of credit card and once as a collection under Jefferson capital.

if this problem is not resolved through this report, then I will have to file a fraud affidavit against Jefferson Capital for being in possession of my person information with out providing any proof why they should be in possession of such information. 
make sure all document sent to me bares my signature and a photo copy of my government issued ID.

Company response to consumer: Closed with explanation