vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express endorses mortgages with XXXX. I didnt have the best experience with XXXX and thought it was weird that one financial services company would endorse a product from another company. I looked into it a little and found something in RESPA that these sorts of arrangements are illegal. I wanted to bring this to your attention as Im not sure American Express has the best interest of their customers in mind with this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
I made a purchase online and paid via Paypal. The transaction was fraud, I have tried to reach out both the seller, and to paypal many times with no success. 
Paypal is holding money, and has no method of getting help. When you call their customer service number a message is received that says " We can not transfer your call at this time '' and hangs up. Their online messaging center says that they are " unable to accept messages '' - there is no assistance. This is the same as Visa just shutting down one day.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-17 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: TX

Complaint narrative:
I have been deceived by Citibank. Looks like they have a program called Payment Safeguard where they charge you a certain percentage a month according to what you balance is to protect it. I was never informed from the beginning which was XXXX. They have no written documentation from me saying I accepted it nor do they have anything recorded. I got a letter saying I started this in XX/XX/XXXX but there is no documentation. 
I am looking to get credited all the way back to then. Many customers have had to do this and some were refunded in XXXX per the CFPB Settlement, but it looks like they have excluded some customers or just pick and chose who they should settle with. 

Not a real good look for CITIBANK

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 2020-07-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PINNACLE RECOVERY, INC.
State: CA

Complaint narrative:
We contacted Pinnacle Recover in XX/XX/2020 regarding an email with an amount due. Pinnacle Recovery stated there was non an amount due, they had no record of an amount due and stated the email was sent in error and ignore it. 

XX/XX/XXXX we were contacted again by Pinnacle through email. We again called and inquired about the info sent. Pinnacle stated nothing was due and they had no record of us or an account being past due. 

XX/XX/XXXX, we were sent another email, now with a higher total. We called and the person from Pinnacle stated there was no account, but wanted to check some other info. After a discussion for 15 minutes, the Pinnacle person stated there was an account noted as past due but there were multiple computer accounts in their system which they incorrectly created ( in their system ). We discussed that we also contacted XXXX  in XXXX and we were told the account was current. The person at Pinnacle stated there was a small fee due, then combining all of the accounts, it was much higher. 

In order to keep our credit clear, and at the time of payment, there was no derogatory remake on our credit report. Pinnacle added a derogatory remake AFTER the payment was made. This is a collection tactic to abuse their power and harm paying customers. 

The remake needs to be taken off of my credit report, effective immediately. The remake is an attack to show dominance and is a hate crime.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I have contacted the Credit Bureaus 3 times and the creditor about this inaccurate information on my report and they have failed to solve the issue. This is defamation of character and i would like to see original documentation from the creditor proving that this account is mines.

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 2020-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'm just wondering what's happening with accounts I disputed on the XXXX of XXXX. I still have not received any paperwork back. I know it takes 30 days and the credit bureaus are on the other side of the country from where I'm at, but I figured 40 days should be enough. I also read that if I dispute again while my first dispute is active it will just extend the investigation time. Its day 40 so I figured I might as well file this complaint now instead of sending another dispute which will delay my investigations more.

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 2020-07-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm just wondering what's happening with accounts I disputed on the XXXX of XXXX. I still have not received any paperwork back. I know it takes 30 days and the credit bureaus are on the other side of the country from where I'm at, but I figured 40 days should be enough. I also read that if I dispute again while my first dispute is active it will just extend the investigation time. Its day 40 so I figured I might as well file this complaint now instead of sending another dispute which will delay my investigations more.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: CA

Complaint narrative:
this information I listed the fraud accounts I found on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: CA

Complaint narrative:
this information I listed the fraud accounts I found on my 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 2020-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Walwick, Inc
State: CA

Complaint narrative:
CFPB FTC Letter Submitted on XX/XX/2020 Pursuant to my rights under federal debt collection laws, I requested that Merchants Credit Association cease and desist communication with me, as well as my family and friends, in relation to this and all other alleged debts they claim that I owe. 

I also notified them that if they do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the Washington Attorney Generals office. Also, I told them civil and criminal claims will be pursued. 

After sending this letter, postmarked XX/XX/2020. Merchants Credit Association continued to harass me by contacting me via my cellular phone and leaving a voicemail on XX/XX/2020 at XXXX PST. Please find the evidence attached to this complaint. 

Please help me stop Merchants Credit Association, who clearly defies federal and state laws and continues to abuse its states residents. 

According to a simple XXXX search of the company, it has a poor rating with the XXXX, has been sued numerous times, and received multiple federal complaints. 

Please, CFPB and FTC, how can a business like this be allowed to continue to operate in our great nation? 

At your disposal, XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2020-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Yamaha Motor Finance Corporation USA
State: CA

Complaint narrative:
Yamaha Financial took back accounts for loans that were being serviced by XXXX XXXX  on XX/XX/2020. I made two separate payments, one posted on XXXX XXXX with a remit date of XX/XX/XXXX and the other posted on XXXX XXXX with a remit date of XX/XX/XXXX. They were both sent to XXXX. 
XXXX states that both payments were forwarded to Yamaha, yet Yamaha states they only received one payment for XXXX. I have spoken with Yamaha numerous times since then, beginning XX/XX/XXXX, and they have claimed they were looking into the missing payment. 
Today, XX/XX/XXXX, they stated that there is no record of a second payment made in XXXX, and that they can not reverse the {$79.00} in late charges that have accrued during the time that their " missing payment team '' has been attempting to locate the {$250.00} payment. Email proof was sent to them XX/XX/XXXX, and I was assured on XXXX. XXXX that all payments would be reflected in my account that were made during the transition period.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: MI

Complaint narrative:
XX/XX/XXXX told them to stop calling XX/XX/XXXX, XXXX, XXXX, & XXXX received calls

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: AL

Complaint narrative:
I have contacted the Credit Bureaus 3 times and the creditor about this inaccurate information on my report and they have failed to solve the issue. This is defamation of character and i would like to see original documentation from the creditor proving that this account is mines.

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 2020-07-17 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: Avant Credit Corporation
State: AL

Complaint narrative:
I have contacted the Credit Bureaus 3 times and the creditor about this inaccurate information on my report and they have failed to solve the issue. This is defamation of character and i would like to see original documentation from the creditor proving that this account is mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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:
XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX  XXXX XXXX  XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2020-07-17 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:
Equifax : An installment account that is Still listed on my report despite it being Over 10 Years Old. Per Equifax " Closed accounts stay on your credit report for up to 10 years since the date of last activity. '' I have Already submitted this through the Equifax Dispute Portal

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
Hello, On XX/XX/2020 I made a purchase from XXXX for a shirt and a pair of pants. 
I paid via PayPal. Since the item did not arrive and I could not reach the seller, I made a claim through PayPal on XX/XX/XXXX to get a refund of the {$51.00} I paid. ( Case ID : XXXX ) On XX/XX/XXXX, I finally received the item and PayPal closed my claim. 

The item was not at all as advertised. It was a different fabric and color. I sent a photo to PayPal with this evidence and opened a new case. Case ID : XXXX. 

PayPal opened the claim and reached out to the seller. On XX/XX/XXXX I received a request from PayPal to mail the items back and provide tracking information by XX/XX/XXXX. 

PayPal provided me with XXXX address to mail the items back to in XXXX and through the Resolution Center provided a different address that was in XXXX and XXXX. 

The shipping information on the original package was Alabama. Also, when I check XXXX now and the XXXX website, it no longer exists and the email addresses used by the company keep changing. This appears to be a fraudulent company and I kept saying this to PayPal. 

On XX/XX/XXXX I returned the item. I paid {$41.00} to ship it back to XXXX. I was surprised to receive a message on the same day from PayPal, denying my claim. I attempted to reach out to customer service, but they only have an AI chat function. I am now out {$51.00} for a product I returned and {$41.00} for shipping the item back. 

I would like for PayPal to refund the {$51.00} and the {$41.00} in extra shipping costs they required me to pay to resolve this claim. 

The entire process has been incredibly frustrating with PayPal protecting a fraudulent company for some reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I have been in communication with the Target corporation since XX/XX/XXXX in an on-going question as to whether I was a victim of fraud. After multiple communications with the company and even filing a police report, Target refuses to cooperate and will not even conduct a thorough investigation to determine if my case is fraudulent! This leads me to believe Target is fully aware of these fraudulent activities related to gift card use at their stores, and chooses to do nothing about it to protect the consumer! Target seems more concerned about generating profit and sales than protecting its Target card holders ( I have been one since XXXX ). So Target card holders beware! You have minimal fraud protection from this company!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: FL

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2020-07-17 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:
XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I used my Costco Citi Visa card to pay the hotel after a trip in XXXX of XXXX. When I received my XXXX statement the charge for a weeks stay was billed twice. The exact same amount, merchant and posting date two times in a row. I called and Citi credited me for one of the charges. I was satisfied that their mistake had been corrected. Then in XXXX of XXXX they charged me again for the duplicate charge for a reason that they could never identify. I called Citi several times between XXXX and early XXXX to get it removed. The duplicate charge was {$1100.00}. Because I did not pay this disputed charge Citi started charging me interest on that amount every month from XXXX until now. Citi did finally reverse the {$1100.00} charge to my account on my XX/XX/XXXX statement but has not reversed those monthly interest amounts. The interest charges total {$480.00} to date. The agent that helped me the most recent time who got the charge removed assured me that the interest charges would be credited back on the XXXX statement. They were not. I have been monitoring my account online and to date they still have not been applied to my 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 monetary relief