vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: RI

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Yamaha Motor Finance Corporation USA
State: FL

Complaint narrative:
I financed a Yamaha waverunner through the dealership. The loan was through Yamaha finance. I paid the loan in full on XX/XX/2020. They confirmed receipt of payment and the loan was satisfied. I subsequently sold the waverunner and asked for the title. They stated they would not send it for a minimum of 30 days. They have no reason to do this and there is nothing in the finance documents stating they would do this. This is unacceptable. I made good on my loan and they need to release the title.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
Today XX/XX/2020 cash app took XXXX out of my account and closed my account so I couldn't stop the payment they was supposed to be reseting my card and stole my money out my bank account my bank said it was a payment made with cash app now. I cnt get ahold of anyone. I have children to take care of and now I'm set back cash app says u cnt even send or receive more than XXXX a day bt then takes XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE
State: RI

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6.  Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Helllo my name is XXXX XXXX my money is being stolen from my bank accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC.
State: RI

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate  reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: GA

Complaint narrative:
i sent out disputes to the credit bureaus about account that are being reported on my credit that were not authorized by me. I lost my wallet a couple of years ago which contained my id and social i believe i have been a victim of identity theft. I have filed an ftc report to document this and would like you to help me resolve this matter.

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 2020-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I got approved for the SBA EIDL LOAN, per SBAs eligibility and qualification requirements I got approved as a XXXX XXXX   XXXX. I went through thorough and complete underwriting process and SBA approved me for the loan, I stated that because I am XXXX XXXX and do not have a business account, they stated that it is ok. and they also disburse funds into personal checking accounts for people who are XXXX XXXX and they have no problem. Chase on the other hand froze my account and is requiring me to have an EIN number, when legally I do not have to have an EIN number, and all I do is file a schedule C. They have no right to request such documentation from me when I am working as a XXXX XXXX individual and they are not the ones that are issuing me the loan. SBA is funding and determines qualification and eligibility. I have spoke to countless attorneys, and they all stated that Chase either must reject the funds back to SBA if they are not accepting in a personal checking account, or must release the funds back to me. They have no right to hold my money hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MN

Complaint narrative:
FedLoan Servicing notified me that I was required to submit the annual recertification for the IDR plans on my federal student loans. I timely did so, but have since learned from the U.S. Department of Education that  this was a false and misleading demand -- as, due to COVID-19, the deadline to recertify IDR plans has been extended for at least 12 months. This means, for example, if I was scheduled to recertify on  XXXX XXXX, XXXX, I was not required to recertify until XXXX XXXX, XXXX. And because of FedLoan 's false recertification demand and threat to take me off the IDR plans, my new calculated IDR payment is much higher than if they would have let me know that I was not in fact required to recertify for at least another 12 months. Because of their deceptive notification and practices, I demanded that FedLoan roll back my recent recertification and put my previous monthly amount back in place -- but they refused to do so. I hope that CFPB can hold them  accountable for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Porsche Financial Services, Inc.
State: NJ

Complaint narrative:
I have never had a late payment in my life. I had a lease with XXXX that I terminated early and paid off. But yet, during COVID-19 when  Congress passed the CARES ACt to protect consumers ' credit, I was marked late in XXXX and XX/XX/2020. How is that possible? 

I had a 60-month loan that I paid off early and I get marked late after I pay it off? That does not make sense to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: MS

Complaint narrative:
Transunion Credit Reporting Agency XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX : Request to Reinvestigate & Delete Accounts Re : Full name : XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/1994 Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit  Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open  these accounts. Someone else of who did these that I did not know. 

1. XXXX XXXX {$530.00} 2. XXXX/XXXX {$440.00} 3. XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX   XXXX XXXX  ) {$980.00} 4. XXXX XXXX XXXX  {$15000.00}

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 2020-10-15 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: MS

Complaint narrative:
XXXX  Credit Reporting Agency XXXX XXXX XXXX  XXXX XXXX, XX/XX/XXXX XXXX Re : Request to Reinvestigate & Delete Accounts Re : Full name : XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/ Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit  Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

1. XXXX Balance {$530.00} 2. XXXX {$440.00} 3. XXXX XXXX ( Original Creditor : XXXX  XXXX  XXXX   XXXX COMPANY ) {$980.00} 4. XXXX XXXX XXXX {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: MS

Complaint narrative:
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX Re : Request to Reinvestigate & Delete Accounts Re : Full name : XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/1994 Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit  Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

1. XXXX Balance {$530.00} 2. XXXX/XXXX {$440.00} 3. XXXX XXXX ( Original Creditor : 06 XXXX  XXXX   XXXX XXXX ) {$980.00} 4. XXXX XXXX XXXX  {$15000.00}

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 2020-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
On XXXX XXXX I contacted Shell Point Mortgage and informed them I was still stru ggling Covid 19 and my tenant moved out without my knowledge. The place was in bad shape and I asked them to pay the assessments because I could not pay them to avoid loosing the property I have been
paying on since XXXX and still owe {$75000.00} on this property nonthing has been applied towards the principal. I told them I was strugging and needed more time during this Pandemic
.

Now I received a notice that a lawsuit was filed XXXX  XXXX because they failed to inform me that they would not be advavcing the {$4500.00} and now I am going to have to file bk because I am tired of people looking for me all because I helped out the mortgage industry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
My credit reporting agency, transunion, reported to me that a late payment was reported from you. Also, this month, XXXX, despite my automatic payment, I was charged {$5.00} for a late payment. Please remove this late charge immediately. My payment was NOT late. In addition, send me a copy of the so called policy change that you said I agreed to -- I have NO record of any change and of agreeing to this change. I need a hard copy of the change. In the future, you must notify the customer if FOR ANY reason you cancel an automatic payment. Agreeing to a policy change that does not explicitly detail that it includes cancelling an automatic payment is deception. If you want me to buy my next car or my son 's car at XXXX you must treat the customer respectfully and fully inform them of any payment change or policy change. Such a change should not be a quick click to gain entrance to a site. That is deception and manipulation. Please remove late fee immediately and adjust your policies to more appropriately inform customers of any change, such as a payment change. If you do not, you will lose me and others as a customer. Sincerely, XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation