vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Riverview Law Office, PLLC
State: MN

Complaint narrative:
I received a letter from River Law Office in the spring of 2021, and it included a settlement offer of my original debt. Due to my employment situation, I was unable to pay them until XXXX of 2021. I was still in contact with them, as I question if this amount was already paid. I asked for an itemized statement in XXXX to be sure I was not paying twice. I did not get that letter, although they stated it was sent. 
In XXXX of 2021, I paid the settlement offer amount because I didn't want any negative impact of the delay. I resolved to the fact that the debt must be owed, despite not getting the itemized statement. 
I then received a call from a supervisor regarding my payment. When I called back I was told they didn't process my payment because the amount was not full. They informed me another {$300.00} was added to my account in the summer. I offered to pay my settlement amount and the {$300.00}. Riverview told me the settlement offer had expired, and they sent me the letter during tax time-claiming it was a tax special. I asked for a reconsideration of the original amount, as the letter did not state the offer was a tax-special, or temporary, or would expire. I was told no, and that I could contact my healthcare provider for more settlement opportunities. I called my healthcare provider billing department and they said they could not offer settlements. I had to handle everything with Riverview. Riverview has not processed any payment because they want more money than they offered me. I am asking them to honor the settlement letter and accept the lower payment they offered in writing- without time limitations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
For no reason, my PAYPAL account was permanently limited, and denied access to MY MONEY, when asked they provide no reason, As to why theyve done this, theyve repeatedly said violation of acceptable use policy, PAYPAL is using consumers, and abusing market power. I want MY {$11000.00} RELEASED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
Santander USA is the company that currently is reporting my vehicle loan information. On XXXX they state the loan was opened on XX/XX/XXXX. I NEVER opened a loan on XX/XX/XXXX. They are reporting inaccurate payments history to XXXX and XXXX. I also never met/contacted/nor spoke to anyone from Santander. Vehicle was not purchased from Santander. Santander and XXXX XXXX of XXXX fraudulently shopped my information causing XXXX hard inquiries to XXXX  and are reporting all incorrect information. This has caused undue hardship on myself during XXXX and XXXX XXXX, caused financial issues as Santander repossessed my vehicle incorrectly on XX/XX/XXXX. I have receipt of payments with zero notification of late payment. 

Santander only shows statements from XXXX XXXX-present, yet reports XX/XX/XXXX as start of loan. 

They are reporting inaccurate information continuing to tarnish my credit profile, refuse to remove 35 inquiries I did not consent to on XXXX, and continue to report false date of purchase of vehicle. This needs to be removed immediately along with compensation for entire purchase and payment amount including downpayment amount. 

I have also been required to pay out of pocket for insurance monthly at price of {$450.00} for vehicle when the lender should have included insurance payment for this at time of purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: CA

Complaint narrative:
I have the following problems that need to be investigated, unauthorized inquiries, previous addresses and employers that are not mine and late payments and charge off accounts that are not correct and an account that is not mine, a letter is enclosed that explains everything I just submitted this compliant a week ago and you rejected and said it was done by someone else and that was discouraging. 

I am submitting this on my own and have studied credit disputing so please do not send a letter saying it was done by someone else.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
In XXXX 2021, I made my regular mortgage payment plus {$50000.00} to be applied to principal. I have continued to make regular payments on time since that payment. New Rez/Shellpoint misapplied the payment and believes that I missed a payment. The monthly payment is {$440.00} and there is over {$1000.00} in a suspense account not applied to my mortgage. I made phone calls, spoke to a representative and hung up the phone thinking the issue was resolved on XX/XX/2021, XX/XX/2021, and XX/XX/2021. I received a forclosure notice dated XXXX/XXXX/2021. I received a phone call today ( XXXX/XXXX/2021 ) asking for payment to prevent foreclosure and when I explained the situation the female representative said that I was just on a list for her to call and then hung up the phone on me. I called back and spoke to a gentleman who put me on a lengthy hold and then came back saying that there was an issue with their phone system and could not help me but suggested that I call back tomorrow.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
A couple weeks I received a voicemail from " Bank of America '' to call with an urgent business matter. I have been in communication with the real BoA so I did call, they stayed I owed {$710.00} and if I didn't pay they'd send me to collections. I told them I had paid. Then I realized it was fraud and hung up. I called the real BoA and they confirmed neither of those calls were from BoA. I blocked the number. I now receive a letter from fake " BoA '' staying that I owe {$710.00}. They want payment to po box XXXX XXXX, CA XXXX phone # XXXX. I am obviously not going to pay or reply.

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 2021-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
Case number XXXX XX/XX/XXXX / Case XXXX ( XX/XX/XXXX ) AARGON AGENCY was contacted by me on several occasions after I spoken with them & Medicaid Medicaid ask me to contact the medical billing and ask them to contact Medicaid but they choose not too so Medicaid said it's not much they can do if the medical billing won't cooperate first of all I am so upset and so confused my lawyer was the one who represented this case for me it wasn't slipping fall I was on camera the store manager came to my rescue I had witnesses and then I went to the hospital and then now I have all of this all on me I did the right thing I called and contact everyone before I went to collection agency and now the amount changed for XXXX to XXXX so what's next XXXX to XXXX XXXX to XXXX how am I supposed to pay all of this

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 2021-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, in XXXX XXXX XXXX XXXX, Florida, XXXX XXXX, XXXX dba XXXX at XXXX XXXX case # XXXX was dismissed voluntary without prejudice ; yet, they took the initiative to use my identity and fraudulent sell this debt to Professional Debt Mediation , INC whom also on XX/XX/XXXX used my identity and fraudulent opened this account up and reported this derogatory account to all credit report agencies. They have violated my rights numbers of times ; under 15 USC 1681 by misleading false reporting and using my identity ; 15 USC 1681 ( b ) which I never gave them written consent ; this is harassment and abuse under 15 USC 1692d ; and according to FDCPA Section 807 this violation is misleading and false reporting inaccurate reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
My apartment lease expired and I was on a month to month rental at XXXX XXXX XXXX XXXX XXXX, FL . I was informed to give a two week notice before end of month of vacating on XX/XX/2021. I gave a formal notice on the weekend XXXX weeks before the end of the month. However, the office closed early on Saturday, XX/XX/2021. Therefore, I hand carried and delivered the written notice on Monday, XX/XX/2021 to the assistant manager and she acknowledged receipt. Three days later I received an email stating she made a mistake and required 15 days notice and requested I stay another month and pay the following months rent. I informed them my formal notice could not be changed. I gave a {$200.00} deposit and was informed {$53.00} was deducted for repairs leaving a balance of {$140.00} owed me. However, in addition they charged me {$630.00} for not giving proper notice and stating through a collection agency ( National Credit Systems , Inc. ) I owe an amount due of {$480.00}. I am disputing the notice charge and requesting my deposit balance of {$140.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I call Experian and told them to remove these fraudulent inquiries

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 2021-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I received a check from a tax professional that I deposited to my bank account for my state tax refund. The bank cleared the check sent me an email telling me all was good and made the funds available. A week later they reached out to me to make me aware the check I had been given was fraudulent and they were ending my banking relationship immediately because I was given a fraudulent check. I have agents telling me that this is because the bank is taking a loss and other agents advising me I am now responsible for the balance. I'm now left to scramble to change my direct deposits and with no funds even though they cleared the check and told me to shred the check. 

I filed a XXXX complaint in effort to get assistance with the issue and in turn Capital One, in retaliation, now has a SBA investigator contacting me asking me information about my registered business instead of making right what they did wrong. This same tax professional completed a PPP loan that was deposited to this account. Capital one is now asking me for my tax information or they will report me to SBA fraud. I feel like this is an intimidation tactic they have adopted due to their error. I want the harassment to stop and them to clear their mistake instead of further victimizing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, in XXXX XXXX XXXX XXXX, Florida, XXXX XXXX, XXXX dba XXXX at XXXX XXXX case # XXXX was dismissed voluntary without prejudice ; yet, they took the initiative to use my identity and fraudulent sell this debt to XXXX XXXX XXXX XXXXXXXX whom also on XX/XX/XXXX used my identity and fraudulent opened this account up and reported this derogatory account to all credit report agencies. They have violated my rights numbers of times ; under 15 USC 1681 by misleading false reporting and using my identity ; 15 USC 1681 ( b ) which I never gave them written consent ; this is harassment and abuse under 15 USC 1692d ; and according to FDCPA Section 807 this violation is misleading and false reporting inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, in XXXX XXXX XXXX XXXX, Florida, XXXX XXXX, XXXX dba XXXX at XXXX XXXX case # XXXX was dismissed voluntary without prejudice ; yet, they took the initiative to use my identity and fraudulent sell this debt to XXXX XXXX XXXX XXXXXXXX whom also on XX/XX/XXXX used my identity and fraudulent opened this account up and reported this derogatory account to all credit report agencies. They have violated my rights numbers of times ; under 15 USC 1681 by misleading false reporting and using my identity ; 15 USC 1681 ( b ) which I never gave them written consent ; this is harassment and abuse under 15 USC 1692d ; and according to FDCPA Section 807 this violation is misleading and false reporting inaccurate reporting.

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 2021-11-09 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: ACIMA CREDIT, LLC
State: TN

Complaint narrative:
Identity theft report has been attached for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
On XX/XX/XXXX, I had responded to a money request from a moving company ( XXXX XXXX ) using PayPal in the amount of {$1100.00} CAD. After completing the transaction, I discovered that PayPal would hold the money and not release it to XXXX XXXX  until XX/XX/2022. This was unacceptable to the seller and so they sought payment by another method. They decided to accept an Interac e-transfer from my step-father, XXXX XXXX XXXX At this point, and still to this day, XXXX XXXX  has not received the PayPal payment. I have attempted to cancel the transaction on the grounds that the service has already been paid for. The dispute has been unsuccessful after many appeals and arguments with PayPal. I have provided them with documentation showing that the service has been paid for by XXXX ( see attached ). In return, PayPal has refused to accept this fact and is threatening to debit my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am XXXX XXXX XXXX I am submitting this complaint myself and there is no third party involve.My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my report : Late Close XXXX  XXXX XXXX {$0.00} Charge Off XXXX XXXX {$600.00} XXXX  XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$4900.0XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX  XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX {$300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX {$7400.00} XXXX  XXXX {$1100.00} XXXX XXXX {$3500.00} Date Opened : XX/XX/XXXX XXXX XXXX {$700.00} Date Opened XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX  XXXX {$710.00} Date Opened : XX/XX/XXXX XXXX XXXX {$500.00} XXXX  XXXX  XXXX {$1200.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Student Assistance
State: MS

Complaint narrative:
In XXXX, I ( XXXX XXXX ) entered Into a consumer credit transaction XXXX, ( American Student Assistance ) became serving provider a consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 usc 1605 is the sum of all charges in a consumer credit transaction, because I know the finance charge is the sum of all charges I was not expecting a bill, XX/XX/ I received a bill which is a violation of 15 usc 1692k, 15 usc 1692 b2 also the company failed to provide me with a right to rescind which is a violation of 15 usc 1635, also failed to provide me with option to opt out of all credit reporting 15 usc 6802, ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is By willfully doing this American Student Assistance has violated many laws according to truth and lending & FDCPA .Also all consumer credit transaction are not supposed be reported without my consent 15 usc 1681b permissible purpose company failed to provide me with opt notice which is a violation of Gramm-Leach-Bliley Act. I have attached my invoice and License.

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 2021-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
My account was closed which is a violation of the ECOA. According to the Equal Credit Opportunity Act It is unlawful for a creditor to discriminate against any applicant, with respect to any aspect of a credit transaction -- because the applicant has in good faith exercised any right under this chapter. I exercised my right to dispute and ask CAPITAL ONE for validation of a debt owed and my account was closed as a result. CAPITAL ONE has made it impossible for me to use my consumer open end credit account since by failing to provide me with a replacement card. Also CAPITAL ONE did not provide to me pursuant to ECOA Regulation B ( 12 CFR 1002.9 ( a ) ( 2 ) a statement of SPECIFIC reasons for the adverse action taken; or a disclosure of the my right to a statement of specific reasons within 30 days, if the statement is requested within 60 days of the creditor 's notification. The disclosure suppose to include the name, address, and telephone number of the person or office from which the statement of reasons can be obtained. It was stated that my account was closed because of activity on the account or another account ( I only had one account with CAPTIAL ONE ) that isn't consistent with CAPTIAL ONE expectations of the account usage and violation of the CAPTIAL ONE consumer agreement. If I violated the agreement I was suppose to be provided with the proof of the violation ( s ) and specific reasons, not the vague statement I was given. I do not agree with any actions that CAPITAL ONE took against me.

Company response to consumer: Closed with explanation