vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Yamaha Motor Finance Corporation USA
State: FL

Complaint narrative:
my name is XXXX XXXX, complaint is for yamaha financial services, they debited twice my montly payment, for XXXX, my bank refunded and blocked one payment, now yamaha applied fees for XXXX they said is because i press for recurring payment, his website has no choice to correct automatic payment., i called them, and they said i overpayment two months, but anyway, they charge me fees, the acount number is : XXXX yamaha phone number is XXXX my phone number is XXXX, my email is XXXX, i always pay before past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I had a cash app account with funds still on it. I lost my phone in a waterfall and lost access to the account & created a new one. I attempted to merge accounts to intercept funds from the first account like they instructed and they gave me limited help as well as deleted my funds from the number I had assigned to the original account. I bought a new phone today, kept the same number & attempted to login. I was met to XXXX . When I complained to support, I was met with limited to no help again. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: TN

Complaint narrative:
Transunion has not Removed the Negative Information below after initiating a Dispute ... 

I have Attached Documentation which is a Letter of Deletion from the Data Furnisher and Debt Collection Company XXXX XXXX XXXX Regarding the Derogatory Account # 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 2020-08-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: P.S.C., Inc
State: WA

Complaint narrative:
This is not my debt, and I have not received a letter from this company verifying the information below. Please upload evidence of receipt, or resend via mail or email the requested information below. I will advise that if this isn't removed from XXXX and XXXX  before XXXX XXXX, I will be forced to file suit. Shall you not remove this erroneous item not verified per the FDCPA, I will be forced to seek damages of {$1000.00} per FDCPA Section 809 ( b ), FTC opinion letter XXXX from XXXX, and any additional damages for any violations I find, as well as attorneys fees and court costs. 

This complaint is being sent to you in response to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Provide me with your license numbers and Registered Agent or Agent of Service : Provide proof that you are licensed to collect in my state Thank you, I appreciate your assistance as I verify and validate this medical debt that isn't mine.

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 2020-08-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: PNC Bank N.A.
State: IL

Complaint narrative:
XX/XX/2020 I applied for a car loan as a co-signer to my nephew, XXXX XXXX, at XXXX XXXX. XXXX ended up financing up and I didn't realize they had applied to PNC Bank and XXXX XXXX. XXXX XXXX and PNC Bank sent me letters later where XXXX XXXX had approved me, but XXXX took on the financing. However, PNC Bank wrote a scathing denial letter dated XX/XX/2020 stating erroneous and slanderous information regarding delinquent payments, ( 1 ) Serious delinquency, ( 2 ) Ratio of balance to limit on bank revolving or other revolving accts too high, ( 3 ) Number of accounts with delinquency, and ( 3 ) Length of time accounts have been established which are all slanderous and incorrect, from XXXX  Credit Reporting agency in XXXX, Texas. This is a lie. XXXX  Credit Reporting could not have that kind of negative information in their agency relating to me and my credit when I have a XXXX credit score. I contracted PNC Banks Executive Department and they told me my credit denial was due to being lumped in with my nephew 's credit. However, they addressed the letter with the slanderous inaccurate information only to me and did not mention my nephew 's name in the letter so that anyone reading their denial letter would view my credit as horrible when I have a XXXX Credit score. I  wanted PNC Bank to retract the letter, but they sent me an assinine explanation that, " It is assumed that each applicant will know whether the reason ( s )  are specific to them or the co-applicant. This is horrendously insulting. PNC Bank did not name my nephew, XXXX XXXX, anywhere in the letter addressed to me and sent to my address with those terrible and inaccurate descriptions of my credit. Ms. XXXX of PNC Bank 's executive office also continued to initially contact me at my home number when I sent return emails to her and left numerous voicemails giving her my cell phone number because at XXXX years old, I continue to work full time. But after a few days of continuing to call the wrong number, Ms. XXXX sent me an email stating that they had attempted to contact me, but could not reach me so that they were going to close the case. I left distinct and clear messages giving Ms. XXXX my daytime cell phone number and sent return emails asking her to call my cell number. So for her to fein not being able to contact me as an excuse to close the case was a cover-up of their wrong doing. Ms. XXXX finally called my cell phone after I told her my next step was a complaint with CFPB. But then she came up with that ridiculous explanation of why they said the terrible things about my credit in their XX/XX/2020 letter which can not be true when I have a XXXX credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: TX

Complaint narrative:
These are not my accounts, nor did I authorize these credit pulls.

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 2020-08-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
This is a fraud report. Shellpoint took escrow money since the beginning of my loan for property taxes and never paid them. I had to pay the property taxes myself including the late fee, {$3700.00}, and Shellpoint as of today still did NOT reimburse me. 
In other words, I double paid : Shellpoint withdrawing the money in error ( Shellpoint is liable for this mistake ) and me paying it to the County.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am experiencing great difficulty in getting Equifax to comply with my dispute request per the FCRA guidelines. I have submitted verification of my address change ( i.e. lease ) and have notified Equifax that my information has been compromised to obtain a XXXX Credit Card which is currently in default. I have provided Equifax with a copy of the FTC report, my current lease ( I have resided here since XX/XX/2017 ) and a notarized statement but have been unsuccessful in my continued efforts to have this fraudulent account removed from my credit report. 

In speaking with an Equifax Supervisor today named XXXX, she informed me that the account was not removed because XXXX XXXX XXXX was able to verify my identity ( name, social security number, date of birth and " former '' address ). I tried to explain to XXXX that the address on my credit file is incorrect and has been so since 2017. I tried to explain to her that Equifax has been provided with copies of my current lease. I even tried to explain to her that I also provided verification from XXXX that confirms that my data has been breached and compromised on the dark web ( as well as breached with Equifax ) which would explain why it was so easy for this fraudulent account to be opened as well as XXXX to be able to " allegedly ' verify my identity. 

Moreover, herein lies the issue, PER section 609 of the FCRA, I have the right to be provided with the documentation that the Furnisher sent to Equifax as evidence that the XXXX credit account is correct. This verification has been requested several times and Equifax has failed to provide it which is against the law. 

As such, I am demanding that the following account listed below be immediately removed from my Equifax credit report. 

XXXX XX/XX/XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/2020 there were two unauthorized charges on my Bank of America account. One charge was for {$57.00} from XXXX, a company that doesn't even service my area, and the other was from XXXX for a restaurant named XXXX, where I've never eaten in my life, for {$36.00}. I called the company within a couple of days, and by XX/XX/XXXX, there was a credit on my account for these two charges and a fraud investigation had been started. My card was canceled and a new card was sent out to me. On XX/XX/2020 the credits were reversed. The company sent me a letter telling me that the orders from these services came from my device and that they match my previous account activity. I've never ordered from XXXX in my life, and XXXX doesn't service my area, so how could that be? I also have proof from my order history on XXXX to show that this order never took place on my account. I called the company again and they said that my claim was denied, and that they would resubmit it with this new information ( the information I provided earlier regarding the services ) and that there would be a resolution within 45 days. They have not been responsive or helpful at all, and I've even canceled the card ( they didn't try to retain me as a customer, since I'm clearly not valuable to them ) due to them saying that I would have to pay the minimum balance, which is the fraud charges since I pay my card off in full each month, until they are able to determine whether these charges were truly fraudulent or not. That's ridiculous. I eat XXXX and all of my order history reflects XXXX  restaurants. XXXX is not XXXX. I don't pay interest due to religious reasons, hence my card is paid in full each month, but they would make me pay interest by having me make the minimum payment until they can figure out whether this was fraud or not. The right thing to do here would have been to issue a credit again so I wouldn't have to cancel my card and be stressed about this situation that came about due to no fault of my own. I am still in possession of the card that was used, so I was not negligent in any way. Somehow these criminals got a hold of my card, and I don't want to finance their food or lifestyle. Bank of America needs to make this right. They have a {$0.00} liability guarantee which should be applied in this scenario.

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 2020-08-06 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: AES/PHEAA
State: TX

Complaint narrative:
As of XX/XX/2020 my student loan balance increased in error in the amount of {$1200.00}. My loans are currently in a forbearance status due to COVID-19. I contacted Fedloan Servicing and stated they did not see an increase. My credit score dropped 51 points due to this error. I was in the process of trying to apply for a mortgage and unfortunately will be unable to until this issue is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
On XX/XX/2020, I contacted the loan company and agreed to pay the loan that I had. The company had already charged off the account as a bad account. We agreed that I would settle the account for less than was owed since they had already gotten paid because of the charge off. I paid {$450.00}, half of what the debt was. This account still shows as derogatory on my credit reports. I have recently disputed this account and the status still have not been corrected.

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 2020-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These are not my accounts, nor did I authorize these credit pulls.

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 2020-08-06 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: TX

Complaint narrative:
These are not my accounts, nor did I authorize these credit pulls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: FL

Complaint narrative:
I am experiencing great difficulty in getting Experian to comply with my dispute request per the FCRA guidelines. I have submitted verification of my address change ( i.e. lease ) and have notified Experian that my information has been compromised to obtain a XXXX, XXXXXXXX XXXX  and XXXXXXXX XXXX XXXX XXXX  credit card which are currently in default. I have provided Experian with a copy of the FTC report, my current lease ( I have resided here since XX/XX/ 2017 ) and a notarized statement but have been unsuccessful in my continued efforts to have these fraudulent accounts removed from my credit report. 

In speaking with an Experian Supervisor today, she informed me that the accounts were not removed because the above furnishers were able to verify my identity ( name, social security number, date of birth and " former '' address ). I tried to explain to XXXX that the address on my credit file is incorrect and has been so since 2017. I tried to explain to her that Experian has been provided with copies of my current lease. I even tried to explain to her that I also provided verification from XXXX that confirms that my data has been breached and compromised on the dark web ( as well as breached with Experian ) which would explain why it was so easy for these fraudulent accounts to be opened as well as for the furnishers to be able to " allegedly ' verify my identity. 

Moreover, herein lies the issue, PER section 609 of the FCRA, I have the right to be provided with the documentation that the Furnisher sent to Experian as evidence that these credit accounts are accurate. This verification has been requested several times and Experian has failed to provide it which is against the law. 

As such, I am demanding that the following accounts listed below be immediately removed from my Experian credit report : XXXXXXXX XXXX :XXXX XXXX XXXX //ACCOUNT # XXXX XXXX XXXX XXXX XXXX//ACCOUNT # XXXX 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 2020-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
CAPITAL ONE BANK USA NA XX/XX/2018 I never opened this account. 
Please provide proofs that I had opened this account via writting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: U.S. BANCORP
State: TX

Complaint narrative:
I contacted the payday loan company in 2017 and agreed to pay off the debt. We agreed that I could settle the account for {$300.00}. The accounts shows that I paid full payment but it still shows derogatory on my credit reports. This is really hurting my chances to establish credit.

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 2020-08-06 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: DC

Complaint narrative:
In XX/XX/2020 the FICO credit score that I receive from my bank dipped by 50 points. My bank explained that my score dropped due to the " length of time revolving accounts have been established, '' meaning there was a new credit card account on my credit report. I pulled my free credit report from TransUnion and found that there was a new credit card with a {$400.00} or so credit limit. It had not been used. 

I did not open this account. I filed a dispute online with TransUnion explaining that I did not open the account. TransUnion dismissed the dispute on XX/XX/XXXX. 

I called XXXX and disputed the account as unauthorized the next day, XX/XX/XXXX. On the phone, I gave the customer service representative some of my contact information. She claimed that all the information I provided was also what she had on file, except the email address. She would not tell me what email address was on file, but she confirmed that it was not my email address. 

XXXX mailed a one-page letter dated XX/XX/2020, the day after receiving the dispute, claiming it " thoroughly researched [ my ] dispute [ and was ] unable to find evidence of unauthorized activity. '' I did not open this account and it is hurting my credit score. I suspect either ID fraud, or XXXX employees are opening unauthorized accounts to meet quotas, similar to the XXXX XXXX fake account scandal. 

XXXX 's investigation was clearly insufficient. They had evidence that the email address used to open the account was not my email address. In addition, I filed a report claiming it was unauthorized before the card had been used. Why would someone lie and report an UNUSED card as fraudulent. They would get no benefit from that. If a consumer disputes an account as unauthorized before using it, that should be per se proof that it is an unauthorized account. At the very least, they should have closed the account after I complained.

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 2020-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
I was approached by someone who said that they could perform a cash flip on the cash app. After multiple failed attempts and inconveniences, I was down a few thousand dollars because I never saw the return that was promised to me. I was approached on XX/XX/XXXX with the person asking me to send XXXX in order to get started. The amounts began to get bigger and bigger as I thought I would see my return. I will provide the amounts in the attached documents. Each time I was about to get paid there was another problem in the way. I can give more information about anything once my complaint gets a reply. The screenshots I provided are the exchanged between the scammer and I. I trusted that they would make good with my money but they just continued to take from me.

Company response to consumer: Closed with explanation