vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-30 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: Yamaha Motor Finance Corporation USA
State: WA

Complaint narrative:
I make payments to Yamaha XXXX XXXX through my bank. In XXXX, my payment was sent the day before it was due. I was charged a late fee and wasnt aware that a late fee was appended. Consequently, they reported my account exceeded a 30 day payment which drove my credit score down. I have sent them proof of payment along with my bank statements to show that payments have been made on time. They have acknowledged these payments but refuse to report my account correctly. When asked, they told me I need to speak with their billing department to make these changes but refuse to give me contact info to engage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I have reached out to this company on several attempts regarding a medical debt they are placing for collections on my credit report. This company has not responded but continues to report the debt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
On XX/XX/2020 my Bank of America card closed with a balance of {$2.00} ( my credit limit is {$2000.00} ) I had an available credit of {$1900.00}. I made XXXX  purchases totally {$780.00}, leaving me a available credit of {$1200.00}. I made a payment of {$260.00} which should have brought my available credit to {$1400.00}. However, I had an available credit of {$1200.00} and my purchases for {$1200.00} was declined. I made a another payment of {$25.00} and my available credit showed as {$1200.00}. When my available credit should be {$1500.00}. I made a called to BOA twice first time I spoke to XXXX from New York who was XXXX and argumentative. So I asked to speak to a supervisor he connected me to someone's voicemail. I called BOA the second time and spoke with XXXX and she was unable to assist because she stated she was unable to assit. My payment for {$260.00} is missing and I want them to correctly credit my account, my available credit should be {$1500.00}.

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 2020-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have an unauthorized inquiry from XXXX XXXX XX/XX/2020 on and XX/XX/2020 on my XXXX, Transunion and XXXX  credit report. I never authorized this inquiry or told them they could pull my credit report. I am requesting the inquiry to be deleted or changed to a soft inquiry since hard inquiries have a negative impact on my credit score. I already disputed this with the CRA.

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 2020-12-30 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: WA

Complaint narrative:
I have an unauthorized inquiry from XXXX XXXX XX/XX/2020 on and XX/XX/2020 on my Experian, XXXX  and XXXX  credit report. I never authorized this inquiry or told them they could pull my credit report. I am requesting the inquiry to be deleted or changed to a soft inquiry since hard inquiries have a negative impact on my credit score. I already disputed this with the CRA.

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 2020-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I have two credit cards with Chase. I went to pay my bill on XX/XX/2020 for the one. I was looking over my accounts as I was about to pay off my second card i noticed they decreased the limit on the one card they had to do a refund due to being a victim of a serious crime which resulted in my cards being used with out my consent. When I called the first time I was told that it was because my credit history is only a few years old. This doesn't make sense as they approved me for the second one and increased the limit also. Then they tried to say I was negligent in payments, I actually always pay my bill monthly. Then they had nothing to say. I called back the next day and I inquired again and was told because I have a bankruptcy on my credit report. There is no bankruptcy nor have I ever claimed bankruptcy. I believe I am being retaliated against for filing a former complaint through your agency which resulted in Chase finally after two years refunding me money back to my card. I have two cards and they only lowered the limit on the one where credit had to be refunded. This action resulted in my credit score dropping down to almost 600 when it was over 700. I have not displayed any behavior that would require them to take this action and I cant even seem to get a solid answer. Then I was told about balance chasing where as I continue to make payments they will continue to lower my credit limit. So I have no credit and I am basically paying just to have my credit limit lowered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Rushmore Service Center, LLC
State: MI

Complaint narrative:
This company keeps calling before 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 2020-12-30 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: CBC Companies, Inc.
State: WA

Complaint narrative:
I have an unauthorized inquiry from Factual Data XX/XX/2020 on and XX/XX/2020 on my XXXX, XXXX  and XXXX  credit report. I never authorized this inquiry or told them they could pull my credit report. I am requesting the inquiry to be deleted or changed to a soft inquiry since hard inquiries have a negative impact on my credit score. I already disputed this with the CRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I received a new Citi XXXX card, happy that I will pay no interest for the first 18 months. Now that I have received a few bills, I see that Citi intends to make money during that time by charging me late fees in error. I just received my XX/XX/2020 statement and it includes a {$35.00} late fee alleging that my XX/XX/2020 payment was past due. I received email confirmation from my bank, XXXX XXXX XXXX XXXX XXXX, that my {$160.00} payment - well more than the minimum due - was sent to Citi on XXXX XXXX, the date my payment was due. Citi alleges they did not process that payment till XXXX XXXX, but that is beyond my control. I use my bank 's online bill pay service to pay a number of accounts, and only the Citi account charges me a late fee. According to the national credit bureaus, I have an exemplary record of on time payments. I would like CFPB 's assistance in removing this {$35.00} charge from my bill, because my XX/XX/2020 payment was not late. I also would like you to compile complaints such as mine because these fees can rise over time, triggering an increase in the interest rate once this account begins to charge interest.

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 2020-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Service Company, INC
State: CO

Complaint narrative:
My XXXX  at XXXX XXXX XXXX XXXX ordered an XXXX in XX/XX/2019, which was pre-authorized by XXXX, a third party hired by XXXX. I had the test which cost {$2600.00}. Unfortunately, XXXX submitted the claim using an incorrect care provider code. XXXX refuses to honor the pre-authorization and sent this bill to their debt collectors at Credit Service Company. I was incessantly bullied by the debt collectors into paying {$320.00}. This bill is still under review after 19 months and has been reported on my credit score. I have documentation from my insurance carrier XXXX that I am not responsible for this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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 — Investigation took more than 30 days
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint narrative:
I have been receiving several phone calls from Patenaude and Felix. I get them all day everyday. I have inform that I am not allow personal calls at work. Even after telling them this they still keep on. This is a form of harassment and it needs to stop NOW. There are laws against this kind of thing and I don't see why they can get away with. I know that if I say stop calling they must stop, guess they don't understand the word STOP!!!!.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: WA

Complaint narrative:
I noticed an account on my credit that was inaccurate ( XXXX XXXX XXXX ). I sent a dispute to the the company, but the address listed on the credit report was inaccurate and the dispute was returned to me as undeliverable. 

It's not legal for an account to report inaccurate address, so that a consumer is not able to dispute the account. 

It's been over 30 days and the account is still reporting negative information to all 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: WA

Complaint narrative:
I noticed an account on my credit that was inaccurate ( XXXX XXXX XXXX ). I sent a dispute to the the company, but the address listed on the credit report was inaccurate and the dispute was returned to me as undeliverable.

It's not legal for an account to report inaccurate address, so that a consumer is not able to dispute the account.

It's been over 30 days and the account is still reporting negative information to all 3 bureaus.

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 2020-12-30 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: AL

Complaint narrative:
i have paid all my loans on time, for over 10 years, and my credit has be outstanding above 800, but they seem to lower my credit rating by an unreasonable amount when it takes so much time an effort to raise my score! how can they drop it down over 50 points in one click of their mouse? this is up surd, so is this a way to keep a poor man down while the rich bankers laugh all the way to the bank. I work hard for my credit ratings always have, but this kind of of democracy is and should be unjust!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT WITH LOCAL AND FEDERAL ANGECIES I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2020, I mailed Equifax, TXXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT WITH LOCAL AND FEDERAL ANGECIES I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAs. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-12-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: GA

Complaint narrative:
My mortgage is through AmeriHome Mortgage. When my house caught on fire in XXXX and Covid hit all at the same time, they granted me forbearance. After the forbearance period, I was granted a junior lien, essentially a deferment, allowing me to tack on the mortgage payments that were in forbearance to the back of the loan. 

I was granted this, through FHA/Amerihome 2-3 months ago. They were supposed to mail me a document to sign and send back so that it can go into affect. 

I have called and spoken to their reps 5 times over the past few months, and they STILL have not sent me the documents. Meanwhile, I am getting letters from them saying I owe $ XXXX and that late fees will be incurring soon if I don't pay it. 

Once I elected to end forbearance, I began making payments on time. The last time I talked to an Amerihome rep, they told me that it looked like the document had just never been sent. He told me he sent an email to their department CCing essentially everyone asking them to send it. 

It has still not been sent. After months of calling in, and asking for this one document, they still have not sent it. I just want my life back. I just want them to adjust my mortgage back to normal as they promised. 

This has been an absolute nightmare. I just need them to send me this document as theyve stated they would countless times over the past couple months and never have

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MN

Complaint narrative:
I received a Courtesy Letter from County Auditor/Treasurer indicating my Property Real estate taxes were not paid on XX/XX/XXXX. 
Subsequently, I contacted my PennyMac Mortgage Company on XX/XX/XXXX, XX/XX/XXXX and was told that the tax would be paid. Today, XX/XX/XXXX I called Auditor to verify.. no tax paid. I again tried to contact PennyMac customer service and my call drops after a significant hold period. Please Note : Each time I have called PennyMac and keyed thru automated tree I get a recording after selecting Escrow/Taxes/Insurance option that states " your escrow account has not been analyzed. '' Currently, my property taxes now include penalty fees which will increase tomorrow XX/XX/XXXXXXXX I had filed complaints with the XXXX XXXX XXXX  and the Minnesota Attorney Generals Office inaddition to requesting help from my Regional VA Home Loan office. I am considering legal action if necessary and will discuss with attorney on XX/XX/XXXX as I have a meeting scheduled on other estate affairs that day. In essence, I find it very troubling to know that a mortgage company will receive my monthly payments, but then is deliquent in servicing my loan, i.e. escrow account. In my eyes PennyMac is guilty of financial negligence or fraud, maybe both. Please Advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: IL

Complaint narrative:
I reported to The three major credit bureaus ; Transunion, XXXX  and XXXX  that according to the Fair Credit Reporting Act, that the bureaus was suppose to provide information directly from the agency that reported my bankruptcies or else by law they need to remove them and or provide documents or credible information where information was collected. All three bureaus stated the same information that they received information from XXXX Bankruptcies district. I contacted the bankruptcy district and it was stated that it would never be a time that this information will be provided to any credit bureaus. I requested all three bureaus on XX/XX/2020, XXXX and XXXX of the removal. I also tried contacting them again by phone and the system made it impossible to reach them. I also tried disputing again via direct website and theres no right of passage. These companies should be reported for rude behavior as well.

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 2020-12-30 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: OH

Complaint narrative:
I am having issues with missing information on my credit report. I have a XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX OH XXXX. My account is not showing on any of my credit reports.

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 2020-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Dear Experian You have constantly stated " Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. '' This is a LIE i have sent you several disputes regarding this matter and you CONSTANTLY use STALL tactics claiming i am not who i say i am. THIS IS XXXX XXXX XXXX sending you letters and complaints through the CFPB. I have provided you with MY DRIVERS LICENSE FOR IDENTITY & MY UTILTY BILL FOR PROOf OF ADDRESS. I have received a bank statement and contract with my alleged signature attached from XXXX XXXX XXXX XXXX .i am not denying that this account exist, I am disputing because this account does not belong to me. The contract XXXX XXXX XXXX has sent is not my signature. I HAVE attached and PROVIDED my real signature. The signature on the contract is in scribbles with the letters C and B which is not my signature. Also on the contract is says the account was OPENED/APPROVED BY 927 Please provide name of witness who who claimed i sign this document. Please provide VIDEO AND/OR AUDIO of me entering and leaving the XXXX XXXX XXXX vicinity or E-Signature stating my IP address, session, time-stamp and browser with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I have attached previous complaints against this company from consumers from XXXX XXXX XXXX XXXX. If you can not provide the requested information please delete this account immediately. i have provided my lease for address verification and my ID for Identification purposes

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