vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Yamaha Motor Finance Corporation USA
State: AZ

Complaint narrative:
I am a co-borrower on a loan with XXXX XXXX, which was purchased by Yamaha Motor Finance and my loan was transferred to the new company. The borrower is my ex-husband and he filed for bankruptcy in XX/XX/2020. At that time, I had a registered online account using my email address, from which I made monthly, automatic online payments. Without notification to me, Yamaha canceled these payments and my loan went into default. To date, Yamaha never notified me that they stopped the payments and then began reporting the payments as late to the credit bureaus, negatively impacting my credit. I contacted them to resolve this and after much trouble, they finally removed the reporting and allowed me to pay the amount due. 

Yamaha has disabled the payment function from my online account and will not enable it because they say that XXXX XXXX my ex-husband ) is the only one with access. No matter how many times I explain to them that he filed bankruptcy, they play XXXX and tell me that I have no legal rights because I am a co-borrower. It is clear that Yamaha does not understand the legal definition of co-borrower, nor the difference between a co-borrower and co-signer. I believe Yamaha is in violation of the Truth In Lending Act, among other federal regulations and want to take action against them. I previously filed a complaint with the CFPB and XXXX  and Yamaha dismisses the complaints by saying, " we'll send a letter to the borrower, '' but the letter says nothing and they only address it to XXXX. One of their representatives even advised me to violate federal law and open mail addressed to XXXX! They are a horrible company and are not treating me fairly as a borrower and now sole person responsible. 

I believe Yamaha is in violation of the Equal Credit Opportunity Act, the Fair Credit Reporting Act, the Fair Debt Collection Practices Act and the Electronic Fund Transfer Act all because I am an UNMARRIED FEMALE. Yamaha is discriminating against me by treating me, an unmarried female, differently than they treat the male borrower under the guise of claiming that it is because I am a co-borrower. Legally, there is no difference and we are both entitled to the same rights. The boat is titled XXXX OR XXXX XXXX, and therefore we have the same legal rights. 
PLEASE HELP ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I sent certified letter to Transworld on XX/XX/2021 Transworld has ignored me and refuses to remove the unverified account they put on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: International Computer Systems, Inc.
State: TN

Complaint narrative:
An itemized bill does not imply that these account are valid, anyone can send a bill a claim ownership. I do not have any agreement with these company a contract showing that I have legal obligation to pay them. I am requesting you to send to me all the paperwork associated with the mentioned accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XXXX : XXXX XXXX XXXX XXXX XXXX 20 % off your first purchase FREE SHIPPING on any order when you use the XXXX 's XXXX XXXX.1 DOUBLE POINTS on every purchase to earn rewards even faster.2 EARN REWARDS get {$10.00} for every 150 points earned.2 HAPPIER BIRTHDAYS with a surprise birthday offer for your child every year.4 SNEAK PEEKS let you shop special sale events early. 
EXTRA SURPRISES with exclusive bonus points and savings offers for card members It boasts tons of benefits if you deside to use it even once but they wont send you your first bill but then said a late fee notification when you call them them they will say that they have fixed it and convince you to keep the account open then keep sending late fees even when your account is balanced and Paid off Close as soon as possible they will just keep charging you as

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: BMW Financial Services NA, LLC
State: GA

Complaint narrative:
I am contacting the CFPB because it is my last attempt of trying to correct the inaccuracies reported by BMW Financial Services XXXX XXXX XXXX XXXX Ohio XXXX for account XXXX XXXX XXXX XXXX. I have called to speak to two managers XXXX and XXXX trying to escalate this issue to be resolved because it is not only hindering my life but causing a snowball of other problems all due to the negligence of the staffing at BMW. It has been reported two late payments to my credit profile when in fact I have not been. It has been confirmed by multiple employees that the fact BMW is reporting a late XXXX payment when my due date was XX/XX/XXXX, payment received XX/XX/XXXX ( six days later ) ; I should not be counted for a late payment when the payment is incapable of being labeled late until 30 days past the payment date of XX/XX/XXXX ( which would be XX/XX/XXXX ). I have called and complained several times of the need for call monitoring and coaching of staff who informed me that my automatic payments were active when later informed they were not causing me to log in the BMW customer portal to manually submit one time payments. I have over a XXXX credit score, never experienced a late payment in my life which shows this is not a regular trend of actions but in fact is the opposite of my character and habits. I feel that the employee that informed me that my automatic payments were active should be held accountable and that the incorrect late payments reported should be removed immediately. I have personally sent in two packers to BMW Financial Services including a formal dispute which is attached with the details of the incident, copy of my XXXX credit report which noticeably shows my XX/XX/2021 payments as on time and a in depth 50 page packet of my credit report to show that I have never been late with any lender in my life. I am begging for help to fix this issue because it is inhibiting me from closing on my home with my family because it has drastically dropped by credit score and reflected negative payment pattern that is not true. I demand that the XX/XX/2021 and XX/XX/2021 late payments be immediately deleted for account XXXXXXXX XXXX XXXXXXXX XXXX and also the recorded phone conversation with BMW financial services employee be pulled to show that I was given incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK
State: GA

Complaint narrative:
As of XX/XX/2020 company has reported a charge off as a bad debt, thus damaging my credit report. I previously reached out to company to inform them that I do not owe any debt and any attempt to collect a debt from me or damage my report would be fraudulent in nature and according to the FDCPA I am the consumer pursuant 15 USC 1692, and I do NOT owe any debt. According to the Truth In Lending Act ( TILA ) pursuant 15 USC 1602 ( l ) a " credit card '' is defined & the " social security card '' is validated as a " credit card '' I have never provided my social security number or card for any line of credit from this company, and even if I did, I am an administer agent pursuant 15 USC 1602 and upon the request of the Social Security Administration I am to immediately return the Social Security Card, therefore I do NOT owe any debt attached to the card pursuant 18 USC 8. This company has refused to validate any debt owed by investigating family, associates, and/or neighbors pursuant 15 USC 1681 ( a-e ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-06 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: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
An itemized bill does not imply that these account are valid, anyone can send a bill a claim ownership. I do not have any agreement with these company a contract showing that I have legal obligation to pay them. I am requesting you to send to me all the paperwork associated with the mentioned accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: MA

Complaint narrative:
I have submitted a dispute with experian credit bureau 3 times about a false claim on my credit report of a car repossession. It is with the company XXXX XXXX XXXX. Their address is XXXX XXXX XXXX, XXXX XXXX XXXX ma XXXX. I have never taken out a loan for a vehicle in my life and have only leased my cars. I called XXXX XXXX XXXX personally and gave them my name and my date of birth and they told me that they have no one in their record with MY NAME and MY BIRTHDATE. So that obviously means it is not me in that repossession and it should not be on my credit report. This is impacting my credit score but it seems everyone that works at experian credit bureau does not know how to do their job correctly. So I am filing a complaint towards them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: NJ

Complaint narrative:
I hired Lexington Law for credit repair on XX/XX/XXXX, XXXX their service was terminated XX/XX/2021. 
I paid them {$55.00}. 
I asked them to cancel service because they did not provide me with copies of letters that they claimed to have sent out on my behalf. I had to argue with the paralegal -she refused to allow me to speak with a supervisor. When she refused to provide copies of what was allegedly sent on my behalf and refused to allow me to speak with a supervisor, I terminated their services. 
I received an email stating I would have access to my client portal for 60 days. They then shut down my access to the client portal. 
I was not seeing anything happening to indicate that Lexington Law had actually done any work ; they refused to speak with me. I filed a complaint with the XXXX  and today they sent me copies of what they allegedly sent on my behalf. 
Instead of mailing the letters so that I would not give up any of my rights -these lawyers filed disputes and challenges electronically. Their proof of work performed does not indicate beyond a reasonable doubt that they filed anything at all on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Chase fraud department called me claiming that I need to call them back, call originated from XXXX to call back XXXX and give the reference number XXXX Both numbers state chase is presently closed both numbers come back as chase numbers and now chase is denying these numbers are theres I have no chase accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To : Experian Credit Bureau From : XXXX XXXX XXXX XXXX Subj : Reason for XXXX FICO Score Note : This has nothing to do with an investigation, per se, there aren't enough selections to choose from that fit my complaint. This is about correcting my FICO score to fit my credit report that is EXCEPTIONAL> To whom it may concern, I am writing you today for an explanation on why my FICO score is at XXXX? According to my credit report, I am an exceptional consumer : I have no late payments, I keep my credit usage low, and I have no derogatory items. This is an example of an exceptional consumer according to your website www.experian.com. According to my credit report, I am an exceptional Consumer. 

FICO Score XXXX : What's a Great Credit Score? FICO is transparent about the variables that make up your score. Here are the five factors considered in your FICO score : Payment history : 35 % Credit utilization : 30 % Length of credit history : 15 % Credit mix : 10 % New credit : 10 % XXXX XXXX XXXX XXXX I used some examples of articles to understand credit rating and what determines an excellent FICO score. On my credit reports, I fall under all these qualifications that make up an exceptional consumer. 
I want to understand what do you use to determine a consumer 's FICO score? It seems there is a big difference in what Experian is reporting from the other two. I looked at all three of my Credit reports and the data is pretty much the same. 
My question is : What data from creditors do you collect to determine a FICO score? What algorithms do you use to determine a FICO score? Can you provide how your algorithms calculate a FICO score from what data they use on a consumer? Are you using any demographics to determine someones FICO Score? For example : 1. Race 2. Age 3. City and state 4. Sex 5. Religion 6. Political Affiliation These questions are being asked to understand why an exceptional consumer, like myself, only has a XXXX FICO when my history should show otherwise? I did not work hard to pay my bills on time and keep my credit usage low to not benefit from my hard work. Therefore, make me understand how I have such a disparity from one credit bureau to another? This doesnt make any sense. 
Equifax shows that I have an XXXX FICO, which is a XXXX point difference. That is a HUGE difference if all three reports show the same data. This must be fixed. 
This is what I am requesting and this is what I need to be fixed. 

Respectfully, 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 2021-07-06 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Sent dispute letter XX/XX/2021 today is now XX/XX/2021 Equifax has not responded in the 30 day timeframe therefore I want accounts closed and deleted. Equifax violated 15 usc 1681b permissible purpose of a consumer report. I, the consumer never gave them written consent to report anything on my consumer report nor buy sale or trade my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: CA

Complaint narrative:
Inquiries below ain't mine they are fraudulent. Please remove as soon as possible. They should not be on report. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX 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 2021-07-06 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 am contacting the CFPB because it is my last attempt of trying to correct the inaccuracies reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX for account XXXXXXXX XXXX XXXX XXXX. I have called to speak to two managers XXXX and XXXX trying to escalate this issue to be resolved because it is not only hindering my life but causing a snowball of other problems all due to the negligence of the staffing at XXXX. It has been reported two late payments to my credit profile when in fact I have not been. It has been confirmed by multiple employees that the fact XXXX is reporting a late XXXX payment when my due date was XX/XX/XXXX, payment received XX/XX/XXXX ( six days later ) ; I should not be counted for a late payment when the payment is incapable of being labeled late until 30 days past the payment date of XX/XX/XXXX ( which would be XX/XX/XXXX ). I have called and complained several times of the need for call monitoring and coaching of staff who informed me that my automatic payments were active when later informed they were not causing me to log in the XXXX customer portal to manually submit one time payments. I have over a XXXX credit score, never experienced a late payment in my life which shows this is not a regular trend of actions but in fact is the opposite of my character and habits. I feel that the employee that informed me that my automatic payments were active should be held accountable and that the incorrect late payments reported should be removed immediately. I have personally sent in two packers to XXXX XXXX XXXX including a formal dispute which is attached with the details of the incident, copy of my XXXX credit report which noticeably shows my XX/XX/2021 payments as on time and a in depth 50 page packet of my credit report to show that I have never been late with any lender in my life. I am begging for help to fix this issue because it is inhibiting me from closing on my home with my family because it has drastically dropped by credit score and reflected negative payment pattern that is not true. I demand that the XX/XX/2021 and XX/XX/2021 late payments be immediately deleted for account XXXX 2021 XXXX XXXX and also the recorded phone conversation with XXXX XXXX services employee be pulled to show that I was given incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: GA

Complaint narrative:
I am contacting the CFPB because it is my last attempt of trying to correct the inaccuracies reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX for account XXXXXXXX XXXX XXXX XXXX. I have called to speak to two managers XXXX and XXXX trying to escalate this issue to be resolved because it is not only hindering my life but causing a snowball of other problems all due to the negligence of the staffing at XXXX. It has been reported two late payments to my credit profile when in fact I have not been. It has been confirmed by multiple employees that the fact XXXX is reporting a late XXXX payment when my due date was XX/XX/XXXX, payment received XX/XX/XXXX ( six days later ) ; I should not be counted for a late payment when the payment is incapable of being labeled late until 30 days past the payment date of XX/XX/XXXX ( which would be XX/XX/XXXX ). I have called and complained several times of the need for call monitoring and coaching of staff who informed me that my automatic payments were active when later informed they were not causing me to log in the XXXX customer portal to manually submit one time payments. I have over a XXXX credit score, never experienced a late payment in my life which shows this is not a regular trend of actions but in fact is the opposite of my character and habits. I feel that the employee that informed me that my automatic payments were active should be held accountable and that the incorrect late payments reported should be removed immediately. I have personally sent in two packers to XXXX XXXX XXXX including a formal dispute which is attached with the details of the incident, copy of my Experian credit report which noticeably shows my XX/XX/2021 payments as on time and a in depth XXXX page packet of my credit report to show that I have never been late with any lender in my life. I am begging for help to fix this issue because it is inhibiting me from closing on my home with my family because it has drastically dropped by credit score and reflected negative payment pattern that is not true. I demand that the XX/XX/2021 and XX/XX/2021 late payments be immediately deleted for account XXXX XXXX XXXXXXXX XXXX and also the recorded phone conversation with XXXX XXXX services employee be pulled to show that I was given incorrect information.

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 2021-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I feel these accounts are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the Better Business Bureau since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me. It is clearly stated in Section 611 ( a ) that failing to investigate these matters within 30 days gives a reason to immediately remove these things off my credit report immediately. It has been 50 days, so they should be erased immediately.

Company response to consumer: Closed with explanation