vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-24 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: AmerAssist A/R Solutions, Inc.
State: NV

Complaint narrative:
To whom it may concern, On XX/XX/2020 I was notified of an account being reported to my credit file ( s ) as a collection. The invalid an inaccurate account and creditor is " Amerassist AR Solution ''. 

To begin, I've never heard of or have ever done ANY business with this company in my life, I have absolutely no idea who they are. After doing some research I found out that they are a scam collection company who buys so called debts and they have a high reputation of illegally placing collections on consumers credit files. Secondly I'd like to be clear that I have never signed a contract, given any personal information ( ex : Social Security Number ) in regards to applying for credit/credit check nor even given consent to this company in any form to use any information they have ( which can't be much being I've never done business with this company ) to even be able to place anything on my credit file ( s ). Thirdly please be fully aware that this company has now violated sections 609, 617 and 619 of the FCRA in the matter of their blatant disregard of giving valid proof of the validity of this account with their company! I have no signed contractual agreement with this company who please be advised is a 3rd party collection company and again I've never done business with them in any form or fashion. This is an unlawful act and I plan on seeking a lawsuit if this erroneous item is not removed from my credit file ( s ). Also I've never received anything from this company stating where this supposed debt even came from. I'm also now asking the company to give valid proof if they believe this debt to be mine, meaning a physical wet signature contractual agreement between myself and Amerassist AR Solution within 5 days. A digital signature and other forms of trying to prove this account to be mine will not suffice due to the nature of this collection and me never working with or doing business with this company. If not given that proves the invalidity of this fraudulent account on my file and by FCRA law needs to be removed within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I purchased a piece of exercise equipment in XX/XX/2019. The terms were 0 % APR for 36 months. My payment should have been {$67.00} per month. I received my first statement for this account and it showed a second charge for {$880.00}, which was on an 18 month deferred interest plan. The payment required was {$99.00}. I contacted the company to dispute this charge and was told that it was a " system glitch '' and that it would be corrected. When the next statement came ( because you can not view the APR information on their website ) it showed that the principal balance of {$880.00} had been refunded, but they refunded it against the 0 % APR for 36 month portion instead of the 18 month deferred interest portion as they should have. This 18 month deferred interest requires a minimum payment of {$25.00} and the 0 % APR for 36 months has its own minimum payment. I contacted the company again and they said it would be fixed. I spoke with supervisors, waited on hold, and spent hours on the phone with icon fitness and TD bank. They each blamed the other for the issue, promised it would be fixed, and never fixed it. I filed disputes through their website in XXXX and XXXX with no resolution. By XXXX another statement came showing it was still incorrect, so I filed a complaint with the XXXX XXXX XXXX. 

Through the XXXX XXXX XXXX XXXX TD Bank promised to correct the error and reassured that my next statement would be correct. XXXX was still incorrect. I updated the complaint and they 'escalated ' it and it really would be correct by my next statement. I just received the statement for XXXX 's payment and it is still incorrect. Now, instead of one balance at 36 months deferred interest, I have two balances. This is keeping my payment inflated by {$25.00} per month. When I purchased the equipment I agreed to {$67.00} per month. By this time, they have been overcharging me for 7 months and seem incapable of making a resolution. I have updated the complaint with the XXXX XXXX XXXX, filed a complaint through my credit report and now with CFPB. This has been the most frustrating experience I have ever had to deal with from a professional company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-24 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: GA

Complaint narrative:
I feel as the Equifax is intentionally trying to sabotage my credit profile. I have informed them on numerous occasions about the inaccurate information that they are reporting on my credit file and they have refused to remove this inaccurate information. I am gathering enough evidence to show Equifax malice intent. I have notified Equifax many times about their inaccurate reporting of my year of birth and they are reporting that i am 120 days late on an inaccurate reporting of child support. If I am 120 days late, then how is some of the reportings showing ok paid as agreed and then the following month it is 120 days late. This entire account is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 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:
XXXX XXXX XXXX  is reporting {$620.00} on my credit reports. I AM GETTING READY TO SUE XXXX XXXX XXXX  AND THE CREDIT BUREAUS FOR REPORTING FRAUDULENT INFORMATION ON BY CREDIT REPORTS I HAVE NEVER HAD A XXXX  XXXX XXXX CARD OR ACCOUNT NEVER MADE ANY CHARGES ON A XXXX  XXXX  CARD

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Over the years trying to pay my credit card bill with Capital One has been a nightmare. Previously, i tried to make payments for which they said were return but my bank doesn't have a record of the ach transaction. Due to capital one stating they never got the payment i started using a debit card. I had trouble using my card on the website in XXXX and i received a late fee and i sent a payment in in XXXX due to my debit card being stolen and they said they didn't receive that. I can not remove the old card from there website and they said if i made a payment with them my debit card number would replace the old number and i could go ahead and pay the remainder of the bill. I went online the old card is still in there system and i can't remove or edit the account number. Capital one is forcing customers to keep account numbers on their profile. This account is no longer valid. I called in and spoke to XXXX who yelled and was not helpful and said the back office refused to review any calls pertaining to this matter. I would like all the fees associated with this issue to be credited back to the account so i can pay my bill off and not have an issue every month trying to pay this bill.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
To whom it may concern, On XX/XX/2020 I was notified of an account being reported to my credit file ( s ) as a collection. The invalid an inaccurate account and creditor is " XXXX XXXX XXXX  ''.

To begin, I've never heard of or have ever done ANY business with this company in my life, I have absolutely no idea who they are. After doing some research I found out that they are a scam collection company who buys so called debts and they have a high reputation of illegally placing collections on consumers credit files. Secondly I'd like to be clear that I have never signed a contract, given any personal information ( ex : Social Security Number ) in regards to applying for credit/credit check nor even given consent to this company in any form to use any information they have ( which can't be much being I've never done business with this company ) to even be able to place anything on my credit file ( s ). Thirdly please be fully aware that this company has now violated sections 609, 617 and 619 of the FCRA in the matter of their blatant disregard of giving valid proof of the validity of this account with their company! I have no signed contractual agreement with this company who please be advised is a 3rd party collection company and again I've never done business with them in any form or fashion. This is an unlawful act and I plan on seeking a lawsuit if this erroneous item is not removed from my credit file ( s ). Also I've never received anything from this company stating where this supposed debt even came from. I'm also now asking the company to give valid proof if they believe this debt to be mine, meaning a physical wet signature contractual agreement between myself and XXXX XXXX XXXX within 5 days. A digital signature and other forms of trying to prove this account to be mine will not suffice due to the nature of this collection and me never working with or doing business with this company. If not given that proves the invalidity of this fraudulent account on my file and by FCRA law needs to be removed within 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 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: NV

Complaint narrative:
To whom it may concern, On XX/XX/2020 I was notified of an account being reported to my credit file ( s ) as a collection. The invalid an inaccurate account and creditor is " XXXX XXXX XXXX ''.

To begin, I've never heard of or have ever done ANY business with this company in my life, I have absolutely no idea who they are. After doing some research I found out that they are a scam collection company who buys so called debts and they have a high reputation of illegally placing collections on consumers credit files. Secondly I'd like to be clear that I have never signed a contract, given any personal information ( ex : Social Security Number ) in regards to applying for credit/credit check nor even given consent to this company in any form to use any information they have ( which can't be much being I've never done business with this company ) to even be able to place anything on my credit file ( s ). Thirdly please be fully aware that this company has now violated sections 609, 617 and 619 of the FCRA in the matter of their blatant disregard of giving valid proof of the validity of this account with their company! I have no signed contractual agreement with this company who please be advised is a 3rd party collection company and again I've never done business with them in any form or fashion. This is an unlawful act and I plan on seeking a lawsuit if this erroneous item is not removed from my credit file ( s ). Also I've never received anything from this company stating where this supposed debt even came from. I'm also now asking the company to give valid proof if they believe this debt to be mine, meaning a physical wet signature contractual agreement between myself and XXXX XXXX XXXX within 5 days. A digital signature and other forms of trying to prove this account to be mine will not suffice due to the nature of this collection and me never working with or doing business with this company. If not given that proves the invalidity of this fraudulent account on my file and by FCRA law needs to be removed within 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 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: FL

Complaint narrative:
XXXX XXXX XXXX is reporting {$620.00} on my credit reports. I AM GETTING READY TO SUE XXXX XXXX XXXX AND THE CREDIT BUREAUS FOR REPORTING FRAUDULENT INFORMATION ON BY CREDIT REPORTS I HAVE NEVER HAD A XXXX XXXX XXXX XXXX OR ACCOUNT NEVER MADE ANY CHARGES ON A XXXX 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 2020-01-24 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:
XXXX XXXX XXXX is reporting {$620.00} on my credit reports. I AM GETTING READY TO SUE XXXX XXXX XXXX AND THE CREDIT BUREAUS FOR REPORTING FRAUDULENT INFORMATION ON BY CREDIT REPORTS I HAVE NEVER HAD A XXXX XXXX XXXX CARD OR ACCOUNT NEVER MADE ANY CHARGES ON A XXXX 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 2020-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nevada Credico, Inc.
State: TX

Complaint narrative:
Quantum collections is reporting that I owe a debt to XXXX XXXX XXXX XXXX on my credit reports. It is a debt that is not owed due to my family being XXXX XXXX military. XXXX XXXX XXXX XXXX   was provided with a copy of military orders in XXXX and again in XXXX. Quantum stated in XXXX that this debt was validated and refused to remove it or show proof of the validation they received. Ive asked multiple times by phone and have since disputed with the credit bureaus. I have also emailed the CEO of XXXX and Quantum collections customer service. Under the service member relief act, I would like this debt removed from my credit report. I would also like is removed due to the fact they have yet to provide me with the validation I requested months ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
We started receiving letters from DiTech Mortage Company, that they were filing Bankruptcy and would keep us abreast of what was going on. As it turns out, DiTech " WAS NOT '' granted the authority by a Judge to file Bankruptcy, and was forced to SELL their accounts to another Mortage Company named XXXX XXXX. 

I am a 100 % Unemployable XXXX Veteran. I have been in this status since XXXX, and have progressively gotten worse as far as my health goes. Because of that, DiTech ALWAYS HELPED US OUT WHEN WE HAD PROBLEMS WITH OUR MONTHLY PAYMENT. 

We have been in our home over 20 years this Past XXXX. Throughout that time we had problems on occassion with making our monthly payment. DiTech always helped us out, with allowing us to break up the payment into XXXX or XXXX payments so as to stay up with our BALANCE OWED. In XX/XX/XXXX, DiTech returned our XXXX Payment without reason or fore-warning. When we called them, they explained that because of reasons " undisclosable to us '' they were " LIQUIDATING '' all their accounts, and that they had a right to DEMAND THAT ALL THE PAYMENTS THEY ALLOWED US TO SKIP ( because they were going to the end of the note, ACCORDING TO THEM AT THE TIME ), HAVE TO " NOW '' BE CAUGHT UP!! So they are DEMANDING {$15000.00} or they will foreclose on us. And, as they said, SINCE I AM ON A STRICT BUDGET BECAUSE WE LIVE OFF MY XXXX, THEY ARE FORECLOSING ON US BECAUSE THEY ARE ALREADY AWARE THAT I DONT HAVE THAT KIND OF MONEY. 

When I asked to speak with their XXXX XXXX to 'BEG ' them for help, they refused me. They said they " WILL NOT '' ALLOW ME A LOAN MODIFICATION, REFINANCE OR " ANYTHING ''. ALL THEY WILL TELL ME IS THAT THEY " ARE '' GOING FORWARD WITH FORECLOSURE PROCEEDINGS. I RECEIVED A LETTER ( DATED XX/XX/XXXX ) ON XX/XX/XXXX ( DAY AFTER XXXX ) THAT I HAD TILL " THAT DAY '' ( XXXX XXXX ) FROM A LAW OFFICE ( XXXX XXXX ) THAT REPRESENTS THEM AND THEY JUST SAID I HAD TILL THAT DAY ( THE XXXX OF XXXX, ) TO COME UP WITH {$15000.00} or " THEY ARE FILING FOR FORECLOSURE '' on my HOME. 

FILING BANKRUPTCY ISNT AN OPTION ( NOR SHOULD IT BE ) BECAUSE IT'LL take most of my MONTHLY COMPENSATION. According to XXXX XXXX ( XXXX XXXX ) here in XXXX XXXX Texas. 

I receive {$3200.00} and he said I would end up paying about {$3000.00} monthly if I filed Bankruptcy. MY Payoff is {$50000.00}. The House and XXXX acre it sits on is appraised at {$160000.00}. I'll lose everything I have if they are allowed to get away with this. 

PLEASE! PLEASE! I AM BEGGING OF YOU. PLEASE HELP ME!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 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: Phoenix Financial Services LLC
State: FL

Complaint narrative:
I have suffered for many years the reporting of accounts that do not belong to me. I currently have a collection on my credit report from Phoenix Financial Services for {$1500.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLAND FUNDING LLC is reporting on my credit reports that I owe {$2900.00} to a XXXX card this is one last chance for MIDLAND FUNDING LLC to DELETE from my credit reports or i will sue both MIDLAND FUNDING LLC and the credit BUREAUS for reporting fraudulent information on my credit reports. This was paid in FULL and I only had a {$500.00} credit limit the card was paid in full. They supplied me with credit card statements but nothing showing why they say I owe {$2900.00} when I only had a {$500.00} credit limit which was paid in FULL I do not owe this and i will win in court if I have to go that route. I think this may have been part of the XXXX breach. The dicuments sent prove nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Yamaha Motor Finance Corporation USA
State: CA

Complaint narrative:
I have a loan with Yamaha XXXX. XXXX carries the loan.. My payment is due on the XXXX of every month. I made my payment that is due on XX/XX/XXXX on XX/XX/XXXX. In fact, I have a confirmation letter from Yamaha stating that I made a payment. I received a letter dated XX/XX/XXXX from Yamaha Financial Services stating that I am past due on my payment. When I call the original number of XXXX XXXX XXXX I'm told by recording that the loan has been transferred to Yamaha Financial Services. I've called the number ( XXXX many times this week. I've been on hold for 2 hours at a time and no one ever picks up. I called this morning right at XXXX XXXX  ( when they opened ) and the recording said the wait time is 2 minutes. 1 hour later and still on hold so I hang up. I called last night and the recording said the wait time of 10 minutes and I was on hold for 2 hours and still no answer. This has happened many times this week. An hour here, an hour there : still waiting on hold trying to have this issue resolved. I do have a confirmation that the payment was made but I can't resolve something when no one at Yamaha Financial is there to man the call. This is very frustrating to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 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: NV

Complaint narrative:
I have submitted multiple requests to have inaccurate data removed from my credit report. I feel as if the credit bureaus is blatantly ignoring my request and doing a false investigation. I have submitted multiple written request and nothing is being done by Experian XXXX   or XXXX. According to the FCRA section 611 paragraph 7 I have the right to demand a description of the investigation and all credit bureaus have refused me that right. I have disputed inaccurate items and yet the credit bureaus have said these items belong to me without providing proof. My Identity has been compromised reports have been provided to the credit bureaus along with a picture ID from me so they are well advised as to what is going on. I am sick and tired of this inaccurate information being reported about me that is not TRUE. I am asking that cfpb steps in and ensure that the credit bureaus does what's is right under 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 non-monetary relief