vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Monterey Financial Services LLC
State: GA

Complaint narrative:
I have contacted your company to cancel a contract for item I never received. Your agent told me that I would still need to pay you XXXX off money that your seller never returned. I contacted the seller and they started you contact you to cancel. Contacted your company and you tell me to contact the seller. I am getting the run again with both companies. This need to be cancelled immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/2021, I tried to transfer {$180000.00} on line, from my checking account at the Bank to an Investment brokerage Account at the same entity. However somehow by a entry mistake or computer error, the amount got transferred to the Credit Card related to the Investment Account. The credit card shows the correct credit balance of {$180000.00} which I have tried to transfer back to either my checking account or my brokerage account. However I could not do it on line and as per the request by the credit card, they required me to conduct this transfer on the phone. I have contacted them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time I was advised that the request to transfer is under review with no further explanations given. 
My money has been tied up for no reason, and I am losing interest on this valuable asset. 
That is why I am filing a complaint against the credit card and the Bank. 
Thank you for your assistance and direction on 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 2021-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Every month since XX/XX/2018, I have sent a certified letter to all 3 credit bureaus requesting the information from the creditor XXXX XXXX be removed from my account. In XX/XX/2018, this vehicle was stolen. The company ( XXXX XXXX ) stated they had GAP insurance with my loan and would be taken care of. To date, they are still reporting my loan every month as 120 days past due. I have spoken with the company, the collection agency that now owns the loan, and etc on multiple occasions. NO ONE will help me resolve this matter. This is the only negative thing I have affecting me from purchasing a home. I have tried so many times to get this account resolved and DELETED the inaccurate information of over 30 missed payments from my credit report I have no choice but to file a complaint. This company, the credit bureaus, and the collection agency has EVER followed up with me after I have sent them dispute letters to verify any type of 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 2021-04-10 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: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
PayPal Credit by Synchrony Bank OnXX/XX/XXXX I made a purchase of {$550.00} using 12 month easy payment financing, expiring XX/XX/XXXX for purchasing a XXXX vacuum. 

I have other outstanding 6 month same as cash items that expire sooner XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

I made payment of {$430.00} on XX/XX/XXXX and {$110.00} on XX/XX/XXXX. Payments have been applied to the XXXX purchase instead of the soonest expiring balance. My expectation is 1 payment of {$45.00} would be applied to the 12 easy payments and the balance applied to the other purchases. 12 easy payments, means 12 easy payments not unless you pay extra on your account and we apply that to this first as well. 

At best this is deceptive business practice. At worst this is a fraudulent attempt to have older transactions expire to collect the deferred interest. 

I have been told I will have to call to make payments and instruct the person how to apply the payments every time. I have also been told that they will correct the misapplied amount, however this will not be reflected in my account for 30 days. Making corrections applying payments is not a 30 day process. Again this is a attempt to defraud. 

I mapped out my payments and budgeted accordingly before making purchases. Their method forces an extra {$500.00} payment ahead of the payment schedule. Prior to Synchrony, PayPal Credit applied payments as described in my expectations. How payments are applied should be predictable by the title of the credit offer. Easy Payments are ( Monthly Amount ) = ( Total Purchase Amount / # of Payments ). Same as cash in XXX months should be applied to the soonest expiring first. Protect the consumer from being defrauded by the lender. 

Synchrony also does the same allocation and correction process with other accounts that they offer, specifically Amazon Store Card.

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 2021-04-10 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
Navient is violating my FCRA rights and the credit bureaus are allowing them to report inaccurate information. This is for 2 loans that I have. A close date only reports on XXXX. There isnt any on XXXX  or XXXX. The original contact was with Sallie Mae. 

If this company doesnt remove the accurately report this or remove the account within 30 days, my attorney will file a lawsuit in XXXX County, GA for violating my FCRA. XXXX  should remove because they violated all inaccuracies in XXXX. 

The last activity date on XXXX is XX/XX/XXXX but is XX/XX/XXXX on XXXX. No DOLA activity is shown on XXXX. The terms arent shown on XXXX. 

The other account shows XX/XX/XXXX and XX/XX/XXXX as the close dates. 

A high balance isnt shown on XXXX. 

In addition, a 90 days past due is constantly reporting on XXXX and XXXX. There shouldnt be any delinquencies after the close date. 

Also, why are there any 30 or 60 day late payments? Where is the payment history from XXXX until now? Shouldnt the account be removed from the first date of delinquency. If you check XXXX XXXX credit report there are delinquencies from XXXX which means this account should be immediately removed and not in XXXX. 

This historical information is incorrect and reports a past due amount and does not show history from XXXX. 

This account has many issues which can be proved in a court of law. Plus this creditor continues to validate inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I opened an account with Venmo in late XXXXearly XXXX. I used it for several months to transfer funds to/from other individuals. In XXXX, XXXX, a friend transferred {$85.00} to this account. When I tried to retrieve it, I got a message saying that they suspected fraud on my account, and I needed to send them some identifying information ( driver 's license and account statement proving my name is one of the owners ), which I did within 2-3 days. On XX/XX/XXXX, I received an email from them ( subject : Your Final Venmo Statement ) stating that since I had recently canceled my Venmo account, they were attaching my final statement. ( See email and its attachment to this complaint. ) I had not recently canceled my account and in fact, had been trying multiple times to reach them without any success. Over the past eight months I have called their customer service phone line at least 5-6 times and left messages, but got no response. I have also sent them at least 10 emails but no response. If I am interpreting this 'final statement ' correctly, they have transferred my {$85.00} to their Venmo corporate account. This is my money and it should be transferred to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Midland Credit Management aka Encore Capital Group are debt collectors attempting to collect a debt on behalf of XXXXXXXX XXXX. XXXX XXXX ( Division Manager ) has been sending me notices every 30 days despite not being able to prove that their account belongs to me. Midland Credit Management aka Encore Capital Group has received several notices from me and I need XXXX XXXX ( Division Manager ) to stop sending me letters. I will not respond to any more mail. 
I do not know how Midland Credit Management aka Encore Capital Group & XXXX XXXX ( Division Manager ) received my personal information. Midland Credit Management aka Encore Capital Group & XXXX XXXX ( Division Manager ) are debt collectors and are harassing me and I will not stand for it. I have not received any services from Midland Credit Management aka Encore Capital Group or XXXX XXXX ( Division Manager ) Recently I priority mailed Midland Credit Management aka Encore Capital Group letters and each company is well aware of what will be the outcome will be if they continue to harass me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
I HAVE NEVER LIVE AT THIS APARTMENT, DO NOT KNOW ABOUT THIS BUT SEE THIS INFORMATION COME ON MY CREDIT REPORT. I INFOMATION THE COMPANY ABOUT THIS BUT GOT NO RESPONSE, THE COMPSNY IS RENTDEBT AUTOMATED COLLECTION, Phone Number ( XXXX ) XXXX - XXXX, Address XXXX XXXX XXXX, XXXX, TN XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Someone opened a checking account in my name apparently with my SSN and overdrafted the account. I only have a checking account with my credit union in my area for over 20 years. The account in question is an hour and a half away from my home

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 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:
XXXX is violating my FCRA rights and the credit bureaus are allowing them to report inaccurate information. This is for 2 loans that I have. A close date only reports on XXXX. There isnt any on Equifax or XXXX. The original contact was with XXXX XXXX. 

If this company doesnt remove the accurately report this or remove the account within 30 days, my attorney will file a lawsuit in XXXX County, GA for violating my FCRA. Equifax should remove because they violated all inaccuracies in XXXX. 

The last activity date on Equifax is XX/XX/XXXX but is XX/XX/XXXX on XXXX. No DOLA activity is shown on XXXX. The terms arent shown on XXXX. 

The other account shows XX/XX/XXXX and XX/XX/XXXX as the close dates. 

A high balance isnt shown on Equifax. 

In addition, a 90 days past due is constantly reporting on Equifax and XXXX. There shouldnt be any delinquencies after the close date. 

Also, why are there any 30 or 60 day late payments? Where is the payment history from XXXX until now? Shouldnt the account be removed from the first date of delinquency. If you check XXXX XXXX credit report there are delinquencies from XXXX which means this account should be immediately removed and not in XXXX. 

This historical information is incorrect and reports a past due amount and does not show history from XXXX. 

This account has many issues which can be proved in a court of law. Plus this creditor continues to validate inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX is violating my FCRA rights and the credit bureaus are allowing them to report inaccurate information. This is for 2 loans that I have. A close date only reports on Transunion. There isnt any on XXXX or XXXX. The original contact was with XXXX XXXX. If this company doesnt remove the accurately report this or remove the account within 30 days, my attorney will file a lawsuit in XXXX XXXX, GA for violating my FCRA. XXXX should remove because they violated all inaccuracies in XXXX. The last activity date on XXXX is XX/XX/XXXX but is XX/XX/XXXX on Transunion. No DOLA activity is shown on XXXX. The terms arent shown on Transunion. The other account shows XX/XX/XXXX and XX/XX/XXXX as the close dates. A high balance isnt shown on XXXX In addition, a 90 days past due is constantly reporting on XXXX and XXXX. There shouldnt be any delinquencies after the close date. Also, why are there any 30 or 60 day late payments? Where is the payment history from XXXX until now? Shouldnt the account be removed from the first date of delinquency. If you check XXXX XXXX credit report there are delinquencies from XXXX which means this account should be immediately removed and not in XXXX. This historical information is incorrect and reports a past due amount and does not show history from XXXX. This account has many issues which can be proved in a court of law. Plus this creditor continues to validate inaccurate 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 2021-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
I made a purchase on XXXX XXXX XXXX and {$640.00} was removed from checking account. The seller XXXX required the buyer be a verified PayPal member. I used my PayPal account to withdraw money from my checking account. I had to return the item that I purchased because the seller shipped me an unusable product. I followed ebay and the seller directive to return the item. I received an email on XXXX XXXX the seller issued a refund of {$640.00} to me. I communicated to PayPal on XXXX XXXX that I was expecting my funds to be deposited to PayPal or my bank account. PayPal advised the refund would go to my bank account in 5-30 days. I told them the funds were taken out of my account the same I paid for the purchase, why is my money not in my account yet?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
First Incident-XXXX XXXX, XXXX XXXX never delivered the item- but was charged a return shipping fee- As I was tracking the item it stopped midpoint- I called and was tole that the driver had to leave for the day and that it would be delivered the next day- it was never delivered- spoke with XXXX and Citibank both which alleged that there was an attempted delivery- false as the recipient was on the line with me and XXXX NEVER attempted to deliver- than the item was out of stock so they alleged Amount to be returned {$11.00} Second Incident- XX/XX/XXXX, XXXX Never charged the amount of {$85.00} by XXXX and placed in dispute pending copy of receipt and proof of charge- Citibank never provided yet indicated that the dispute was resolved not in my favor and recharged the amount back to my credit card- Fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I am an XXXX XXXXXXXX female and I signed up for a COVID19 related program with Bank of America. I was given the month to start to pay again so when I paid when the lady to me the pay they said my account was pass due bc the total amount was not paid. I explained that it was a misunderstanding and that I have never ever been late & that I pay more than minimum sometimes but it didnt matter. Anyone, can make an error, Im old but am a good customer and should not be punished for a misunderstanding. It was their error and their responsibility to notify me by email when the program was ending an payment would be due. Now that they corrected my account, they will not Correct my credit. My credit history speaks for itself & one misunderstanding shouldnt cause me to have bad credit. We are struggling and I notified them, I didnt just stop paying ... its a PANDEMIC! I would appreciate any assistance that you can give me.

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 2021-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
XX/XX/XXXX & XXXX, 2020 : I received an e-mail message purporting to be from my brother, saying that he needed {$5000.00} for a medical issue, Since he had had a XXXX XXXX  several years back, I didn't question the request. It turns out the request came from someone who had hacked into his computer. I had wired the money to the XXXX XXXX office of Wells Fargo. Shortly afterwards, having learned from my brother that the email was a scam, my local bank representative contacted Wells Fargo and discovered ( a ) that the money was deposited in a Wells Fargo account in XXXX, NY ( my brother lives in XXXX ), and ( b ) that the account was already closed. There are only two ways the false account was set up in my brother ' name : ( a ) an inside job ; or, ( b ) using the information stolen from his account.I have since learning about the scam contacted Wells Fargo ; I have received over the last five and a half months, letters from seven different " Escalated Complaints Specialists '' from different Wells Fargo locations throughout the country, each saying in a form letter : " We received your complaint and are committed to promptly addressing your concerns.... It is our goal to review your concerns and provide you with a response within ten business days from the date we received your request. '' Over all these months, I have NEVER received the promised follow-up, nor has any of these so-called Case Specialists ever asked me for information of did any research into this fraud. 

I have 36 pages of history describing the scam and the lack of a follow-up, even though I have sent certified letters/response required. The last letter I sent was to the CEO of Wells Fargo in XXXX XXXX. It was only after a month had lapsed that I received the receipt back UNSIGNED. 
An earlier certified letter was sent to XXXX XXXX yet was received -- according to the USPS -- in XXXX, NY. The signature on the return receipt was illegible, and there was no printed name below the signature. 

So, this is a very brief summery of the wire fraud of which I was a victim. I would be happy to provide you with the complete account in order for you to " follow the money/fraud. ''

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 2021-04-10 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Financial Resources, Inc.
State: MA

Complaint narrative:
First Financial resources is attempting to collect a debt not owed and is in violation of consumer debt collection market defined by 12 CFR 1090.105. 

I requested that the company validate the debt, which I do not owe. Instead they failed to validate the debt and continued with the debt collection. Instead of validating the debt, they sent, what appears to be a fake document, which in any instance does not validate any debt.

Company response to consumer: Closed with explanation