vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-03 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: AR

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX   XXXX {$11000.00} XXXX XXXX {$14000.00} XXXX XXXX {$6600.00} XXXX XXXX {$6400.00} XXXX XXXX {$4600.00} US DEP ED XXXX {$9500.00} US DEP ED XXXX {$4200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: MI

Complaint narrative:
Recently Enhanced Recovery CO L, flagged my credit report with a collection on a debt that was paid off years ago ( the original debt with was XXXX and I'm still with XXXX ) with the original creditor. 

When Enhanced Recovery began trying to collect for this discharged and settled debt, I informed them that before I'd pay anything I'd need to receive a verification of debt via mail. 

They never verified the debt and are wrongfully flagging my XXXX   credit report to collect on money the original creditor was paid for. Of course when I touch base with the original creditor they tell me the debt 's been satisfied and that Enhanced Recovery has been informed of this ; of course Enhanced Recovery CO L has no idea of this and insist that they're owed money as they " bought the debt. '' Even more disappointing, these " collection '' specialist can not be reached when you try to call them on the contact number they provided ; how can a XXXX dollar collection agency not provide a working number or accurate contact information? 

This is a racket, buying solvent and nonsolvent debts and flagging people 's credit for debt that isn't owed. XXXX and Enhanced Recovery should be ashamed of themselves ; shady practices across the board. Please flag Enhanced Recovery for these practices and hold them accountable, at the very least can we get them to remove the wrongful collection from my credit report until they and XXXX  verify the debt in writing. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Yamaha Motor Finance Corporation USA
State: NV

Complaint narrative:
I have asked Yamaha financial why am I not getting my monthly statements and the girl on the customer line stated to me that if I pay my monthly loan early that I would not get my statement???? 
As of the dates months that I have paid I only have received one statement, which was for XXXX and I just received it XX/XX/2020 Payment Date Amount Status XX/XX/2020 XXXX Completed XX/XX/2020 XXXX Completed XX/XX/2020 XXXX Completed XX/XX/2020 XXXX Completed XX/XX/2020 XXXX Completed This is from the company website Here are your available Statements from the past 12 months. Select the Statement you would like to view.

Statement Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently sent some letters almost two months ago to the credit bureaus and they are disregarding a regular consumer dispute. I have been sending letters before this and i still have not received no response. 

Today is XX/XX/2020 i am reaching out to the bureaus again but this time i am also filing a complaint with you guys since i have not got any correspondence back from them. Hopefully you can help me get this matter under control. This is blocking me from opportunities. I just want everything that is an error to be corrected. i will greatly appreciate your help with this matter. 

Inquiries, accounts from credit cards such as XXXX  XXXX, XXXX ; which im not even sure what or who that is etc have been added to my profile. Again, please help me get this matter under control. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently sent some letters almost two months ago to the credit bureaus and they are disregarding a regular consumer dispute. I have been sending letters before this and i still have not received no response. 

Today is XX/XX/2020 i am reaching out to the bureaus again but this time i am also filing a complaint with you guys since i have not got any correspondence back from them. Hopefully you can help me get this matter under control. This is blocking me from opportunities. I just want everything that is an error to be corrected. i will greatly appreciate your help with this matter. 

Inquiries, accounts from credit cards such as XXXX  XXXX, XXXX ; which im not even sure what or who that is etc have been added to my profile. Again, please help me get this matter under control. 

.

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 2020-08-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I have been fighting this collection of {$980.00} for over a year. I have previously submitted complaints against this collection agency for not following CFPB law ( not disclosing options or rights ). I have now found information that proves they can not legally collect the debt in the state of FL, as the original creditors did not follow the law when trying to collect the debt in the first place. In the state of FL, they only have 30 days to send the collection amount. They did not attempt to collect within 30 days, so I do not owe the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MN

Complaint narrative:
Shellpoint mortgage took over my loan from XXXX XXXX in XX/XX/2020. Since that time Shellpoint has not made my loan whole since they took over. Payments varied from month to month from $ XXXX XXXX per month. My payment should be XXXX according to my XXXXXXXX XXXX terms with XXXX going towards my principal and interest and {$360.00} going into my escrow account. They continue to put my interest at 5.5 % and the loan modification that was set up by XXXXXXXX XXXX is 2 %. I have a letter stating that Shellpoint checked over the terms of loan from XXXX and said that 2 % is the interest rate on the loan and yet Shellpoint cant get it right since XX/XX/2020 and as of this date XX/XX/2020 they are still charging me 5.5 %. Since XX/XX/2020 they also have been charging extra escrow to my loan and that is due to the fact of the homeowners insurance that they are charging me that they should not be doing. I pay my homeowners insurance every month with my auto insurance. When XXXXXXXX XXXX had my loan it was set up to pay my homeowners on my own so it was not in the terms for Shellpoint to take that out. Currently Shellpoint has {$2000.00} that they sent to XXXX XXXX and in return XXXX XXXX sent it back to Shellpoint. Since i have been making my full payment of XXXX every month, Shellpoint has put money in other places that i have no idea where. On my statements it shows that i only paid {$200.00} and thats it. Where is the other XXXX???? I now have Shellpoint calling 2-3x per day asking me when am i going to pay last months payment when in fact the already have it. They also have sent it to the credit bureau and my credit score has gone down. i have spent my whole life taking pride in my credit score and just like that Shellpoint destroyed that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: NY

Complaint narrative:
I am so so upset that these agencies are still reporting fraudulent accounts totaling over {$2000.00} or more which not ever mine. I am disturbed how I cant have my finances better due to all these fraud accts charged off. Please do your due diligence and find the evidence that these accounts were all fraud. Having no knowledge of these fraudulent entries on my credit report as i was not paying attention that they did not delete these off since I reported back then. I was wondering why my credit was just being basic with limited lines until the banker asked me to pulled my report and then I see all the errors and fraudulent accounts that were not removed with all different variation of names. i cant even determine the exact amounts or dates as I did not have no accounts with the account numbers reported companies, and I no opened accounts on the dates posted on my credit reports. I have been a victim of ID Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: AR

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXXXXXX {$11000.00} XXXX XXXX {$14000.00} XXXX   XXXX {$6600.00} XXXX XXXX {$6400.00} XXXX XXXX {$4600.00} US DEP ED XXXX {$9500.00} US DEP ED XXXX {$4200.00}

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 2020-08-03 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: AR

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX  XXXX {$11000.00} XXXX XXXX {$14000.00} XXXX   XXXX {$6600.00} XXXX XXXX {$6400.00} XXXX XXXX {$4600.00} US DEP ED XXXX {$9500.00} US DEP ED XXXX {$4200.00}

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 2020-08-03 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: AR

Complaint narrative:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I tried to buy a plugin for my music production from a person on XXXX in XXXX for XXXX dollars they said to pay them thru paypal as friends and family and when I sent it over they said wait for the product in a few mins. Iv waited a day and tried contacting the seller thru instagram and email but no answers and blocked me the next day. I tried filing a dispute thru XXXX XXXX   and notified paypal on the situation in XXXX got the money bak within a week or 2 but the bank is reversing the case and saying it will take effect in XXXX of XXXX saying I violated paypal friends and family policy when the seller told me to pay fo that method and saying item has been delivered when I recieved nothing both disputes left me with defeat

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2006, I contacted Washington Mutual ( JP Morgan Chase now holds account ) to refinance my fixed rate loan to renovate due to mold and termite damage. Instead of agreeing to another fixed rate loan, the representative showed me options of variable/interest only loans only. I mentioned that I did not want them, but he coerced me that this would be better and lower payments and that I could refinance later. I apparently did not understand anything beyond lower payments and what that would mean to me in the future. He also added a home equity LOC to my loan, which I was not aware of until I was signing papers at the Title department. I asked if I could not sign for the HELOC, but was told would need to start the refinance process all over so I reluctantly signed. Years later, my lower payment schedule retired and my payments soared. I was unable to sustain the high payments but was able to get a modification of my loan to 2.508 %. I assumed, after lengthy conversations and applications, that my HELOC would be also modified. But years later, I realize that I am in the same situation. I am VERY concerned that if I refinance, I would be starting over, with the same balance of {$150000.00} and paying on top of the interest payments that I have been paying since 2006 ANOTHER 15 to 30 plus years of finance and the bank would PROFIT. I find this VERY unfair and find myself as a victim of predatory practices. It is very disheartening that my hard earned money is just going to the bank and not my principle balance and that this could go on for another 15 to 30 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: NY

Complaint narrative:
I am so so upset that these agencies are still reporting XXXX  fraudulent accounts totaling approx {$1000.00} or more which not ever mine. I am disturbed how I cant have my finances better due to all these fraud accts charged off. Please do your due diligence and find the evidence that these accounts were all fraud. Having no knowledge of these fraudulent entries on my credit report as i was not paying attention that they did not delete these off since I reported back then. I was wondering why my credit was just being basic with limited lines until the banker asked me to pulled my report and then I see all the errors and fraudulent accounts that were not removed with all different variation of names. i cant even determine the exact amounts or dates as I did not have no accounts with the account numbers reported companies, and I no opened accounts on the dates posted on my credit reports. I have been a victim of ID Theft.

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 2020-08-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
When attempting to transfer money OUT on XX/XX/2020 and again on XX/XX/2020, from my savings account with Marcus by Goldman Sachs, the bank 's system said there was an error and to try again a few hours later. When I called on XXXX, after extended hold, I was told that the bank had mistakenly accepted a deposit from me FIVE MONTHS EARLIER on XX/XX/2020 from my business account. So now, I could not transfer any money out, until they returned those funds back to my business account. They said the transfer would take 1 to 3 business days. I asked if they could provide me some written confirmation that they were initiating the process today, e.g. an email, a text, a letter, etc., so that I would have OBJECTIVE evidence that they said they were initiating the process, should it not come to fruition. They gave me a confirmation number, but said they could not email or mail or provide me any documentation to prove that they made these representations today. I am concerned that this is a problem they contend existed for 5 months, that they never advised me of, and have now frozen all my assets with them, while they contend they are finally doing something about it, but refuse to provide me any confirmation that they are in fact taking action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
AmSher collections says that I have an outstanding balance of {$59.00} ( account XXXX ) for a XXXX XXXX  bill that was never paid. However, this is false. All my bills have been paid and my account ( s ) are up to date. I contacted XXXX XXXX and they confirmed that I don't have any outstanding balance. I even contacted AmSher with a XXXX  representative ( 3 way call ), who confirmed and told them that I have no outstanding balance, but AmSher kept insisting that I need to file a dispute ( which can take up to 30 days ), without even telling me how to file a dispute. Then they kept trying to make me pay a settlement fee of {$39.00} to clear this balance to avoid the hassle of having to dispute this ( non-existant ) balance. 

I have an open case with XXXX ( # XXXX ) stating that I have a predatory collection agency trying to collect from me for a non existent balance using them as an excuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: VA

Complaint narrative:
Does not linked with bank

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I purchased a painting on XX/XX/2020 from XXXX XXXX for {$130.00}. Once I received the painting the canvas was loose, the frame was much larger than in the picture and the quality was not anything like shown on the website. 

I communicated with the seller on XX/XX/2020 and let them know that I wanted to return the painting and asked for an address to send it back. 

They responded on XX/XX/2020 and asked me to send them pictures of the item. 

I sent pictures over on XX/XX/2020 and again asked for instructions on how to return the item. ( I received no response ) I followed up on XX/XX/2020 and asked again for return instructions. 

They responded on XX/XX/2020 and said that they would send out another painting. 

I responded on XX/XX/2020 and told them that I don't want another painting I just want return instructions. This was the 3rd time that I had requested return instructions. ( no response from them ) I reached out for a final time on XX/XX/2020 and told them that if I did not receive return instructions by XXXX PST on XX/XX/2020 I would be reporting to my Credit Card. ( received no response ) Disputed with my CITI Credit Card on XX/XX/2020. 

CITI did not approve my dispute which I can not understand why, I provided information on our communications and images of the item.

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 2020-08-03 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: NATIONS LENDING CORPORATION
State: NY

Complaint narrative:
On XX/XX/2020 Nations Lending pulled my credit report without my consent. When I contacted them, they stated it was incorrect pull and they would rectify the situation. Today, XX/XX/2020 I received a letter stating XXXX XXXX XXXX ran my credit from an old CLOSED account.

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