vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-27 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: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
On numerous occasions I have requested that both the credit reporting agencies and the debt collection company ( Professional Debt Mediation ) investigate a collection account that is on my credit. As of XX/XX/2021 the item in question remains. PDM has provided me with a document from the original account which after careful review, I found that my signature does NOT match that of what's on the document. I have informed PDM that this account does NOT belong to me nor have I ever been associated with the business in question. The account in question was opened without my consent. As of XX/XX/2021 PDM has noted the collection as " Consumer disputes this account information '' this does not resolve the matter nor does it comply with my request. Account Information being reported is as follows : Acct # XXXX Original Creditor : XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
My complaint is against Venmo. I have my checking account -and debit card attached to my checking account- with Venmo. I opened my Venmo account at the end of last year so I could make payments to my XXXX sports coach. Only yesterday was I alerted I had been sending payment to the wrong account. The wrong account holder, which has a very similar name to the coach, knew the money was not fir him since I would write a personal note with each payment. I contacted Venmo customer service and spent hours in chats being given the runaround, being told conflicting information and finally, after my demand for payment from the fraudster was denied, Venmo essentially told me I was on my own. The total amount is {$120.00}. Venmo said they will supposedly reverse the first {$25.00} payment so it should be {$100.00}. I have screenshots of the transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I have paid in full a medical collections XX/XX/2020 and CMRE XXXX has reported to my all three credit bureau and they will not remove it from one major credit bureau XXXX to date. I have disputed many times and they will not remove/delete. Even with results of dispute that they are reporting accurately with a XXXX balance. they negativity reported me as i was in agreement to make payment and I was affected but COVID 19 and missed one month. I made contact with CMRE and they gad already reported to credit bureau 's so I paid the remain balance in full of {$390.00} which one was one month that I missed and they reported without making contact with me by call or mail to give me a fair opportunity to pay in full before reporting. I have been spending much expense by XXXX XXXX to help me get them to comply and remove/delete from my credit report as this as affected me by getting denied for applying for a credit card due to this error reporting. Please help me make CRME responsible for this as XXXX and XXXX  have removed/deleted from credit report. I have letter mailed to dispute from XX/XX/2020 and still either parties will remove CMRE from XXXX credit bureau. 
Please inform me who is party that is responsible for this XXXX OR COLLECTOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have tried to resolve this problem with XXXX/XXXX XXXX-as this account was to be deleted from my credit report due to the nature and the tactics of how they unlawfully repossessed the vehicle and due to the nature of the lawsuit that the company has been pursued against the company. I have contacted the company and the attorney general and the company even produced the paper work with the incorrect information to the attorney general. Inaccuracies are continuously being reported to the credit bureaus and the company keeps verifying and updating incorrect information. In the State of NC you are supposed to receive a notice of right to cure XXXX XXXX intentionally put the incorrect address on the letter, on the explanation of calculation of surplus or deficiency they only sent it to the co-borrower and not to the buyer/borrower. They are they are listing several different account numbers for my account, on my credit reports the account numbers are ending with XXXX on the statement sent to the attorney generals office the account number is ending with XXXX, I am confused with this account. 

Page 4-Explanation of Calculation of Surplus or Deficiency- was only mailed to Mr. XXXX XXXX which is the Co-Borrower ( XXXX XXXX did not receive a copy of this form ) Page 7- Notice of Right to Cure-Mandatory Form- Santander/Chrysler Capital-intentionally listed XXXX XXXX XXXX address as the same as XXXX XXXX XXXX address XXXX this has never been XXXX XXXX XXXX known address. or has never been an address they had for XXXX XXXX on file, as you can see on page 6, they listed XXXX XXXX XXXX address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX, her known address on file.

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 2021-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to resolve this problem with XXXX XXXX-as this account was to be deleted from my credit report due to the nature and the tactics of how they unlawfully repossessed the vehicle and due to the nature of the lawsuit that the company has been pursued against the company. I have contacted the company and the attorney general and the company even produced the paper work with the incorrect information to the attorney general. Inaccuracies are continuously being reported to the credit bureaus and the company keeps verifying and updating incorrect information. In the State of NC you are supposed to receive a notice of right to cure XXXX XXXX intentionally put the incorrect address on the letter, on the explanation of calculation of surplus or deficiency they only sent it to the co-borrower and not to the buyer/borrower. They are they are listing several different account numbers for my account, on my credit reports the account numbers are ending with XXXX on the statement sent to the attorney generals office the account number is ending with XXXX, I am confused with this account. 

Page 4-Explanation of Calculation of Surplus or Deficiency- was only mailed to Mr. XXXX XXXX which is the Co-Borrower ( XXXX XXXX did not receive a copy of this form ) Page 7- Notice of Right to Cure-Mandatory Form- XXXX/XXXX XXXX-intentionally listed XXXX XXXX XXXX address as the same as XXXX XXXX XXXX address when this has never been XXXX XXXX XXXX known address. or has never been an address they had for XXXX XXXX on file, as you can see on page 6, they listed XXXX XXXX XXXX address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX, her known address on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to resolve this problem with XXXX/XXXX XXXX-as this account was to be deleted from my credit report due to the nature and the tactics of how they unlawfully repossessed the vehicle and due to the nature of the lawsuit that the company has been pursued against the company. I have contacted the company and the attorney general and the company even produced the paper work with the incorrect information to the attorney general. Inaccuracies are continuously being reported to the credit bureaus and the company keeps verifying and updating incorrect information. In the State of NC you are supposed to receive a notice of right to cure XXXX XXXX intentionally put the incorrect address on the letter, on the explanation of calculation of surplus or deficiency they only sent it to the co-borrower and not to the buyer/borrower. They are they are listing several different account numbers for my account, on my credit reports the account numbers are ending with XXXX on the statement sent to the attorney generals office the account number is ending with XXXX, I am confused with this account. 

Page 4-Explanation of Calculation of Surplus or Deficiency- was only mailed to Mr. XXXX XXXX which is the Co-Borrower ( XXXX XXXX did not receive a copy of this form ) Page 7- Notice of Right to Cure-Mandatory Form- XXXX XXXX-intentionally listed XXXX XXXX XXXX address as the same as XXXX XXXX XXXX address when this has never been XXXX XXXX XXXX known address. or has never been an address they had for XXXX XXXX on file, as you can see on page 6, they listed XXXX XXXX XXXX address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX, her known address on file.

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 2021-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Actually I submitted another complaint before but CFPB just closed my complaint wrongly. The response from the company regarding that they could not find my account or need my further authorization was a liar because they just closed my bank account 2 weeks ago. ( Please check the attached bank account closure letter ). So that why they could not find my account. They can not just get rid of my complaint by closing my bank account. Can they? 

Ok, let me repeat my story again : A client found me via the XXXX XXXX trading section ( like XXXX, a XXXX trading platform ), paid me XXXX ( XXXX ) to buy USDT from me, also sent his ID copy, and confirmed the purpose of his payment. *USDT is a stable coin, a kind of cryptocurrency, normally people bought it to invest in XXXX or other altcoins, just like people need to buy the chips before they play in the casino. After a couple of days, my bank, Bank of America, told me that the client who paid that XXXX claimed that he got scammed and didn't authorize his payment. But I also provided all the online transaction records, the status of the transactions ... the client 's ID copy ... etc. which absolutely proved that the transaction had been completed ( which means I had sent the USDT I sold ). Obviously, I was not the one who scammed the client. If he still claimed that he got scammed, base on my experience, he might get scammed in the altcoins he invested in or he might get scammed by someone else, and someone acted himself to buy from me then ran away. Because this client sent the payment via online banking. Nowadays online banking is so secure. No one can send the payment from his account and sent his ID copy XXXX his own authorization. Anyway, he is an adult ... I am not responsible for his own mistake or loss. I got payment from him and with his ID copy. I am not an FBI ... there is no way for me to verify if he is 'he ' .... isn't it? Now the complaint is : the Bank of America is so unprofessional. They returned my XXXX XXXX to the payer without a thorough investigation, and totally ignore the fact : the transaction has been completed. They even didn't figure out how the XXXX XXXX platform works. ( It's XXXX, not XXXX ). They didn't know once the transaction is 'completed ', there was NO way for me to trace the USDT back. Anyway, it was a big mistake from BOA. Now it's my damage now. Thanks.

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 2021-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: N26 Inc.
State: NC

Complaint narrative:
I opened an account at N26 using referral code : XXXX where the sign-up bonus required me spend {$20.00} on the debit card through a POS transaction and receive a {$10.00} bonus. I did the requirement but never received the bonus. I contacted N26 support center, through social media, and email. None of the people were able to find the problem and distribute my bonus. They stopped contacting me and I just want the bonus for the requirement that I have fulfilled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Santander Lawsuit for faulty loans! They need to be prosecuted and pay up for all the credit damage and loan that still hasn't been paid off!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
After Multiple Disputes TransUnion refuses to update my name from XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX because the name on file is missing the second letter I between the V and A. attach I am providing a recent Gas Bill with My name on it to prove my case. thx

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 2021-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I contacted IC Systems Inc. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX MN XXXX. Regarding a negative collection account for medical Bill 's that was reported to my credit report. This account was paid in full by my Insurance provider, and the amount owed was XXXX out. I was told by IC Systems that they could not remove the negative collection account from my credit report since the balance was recalled by the original creditor. I demanded that they remove this negative information from my credit report and they refused to do so. I attempted to dispute the information on my credit report but was unsuccessful. I have a letter stating that the debt will be returned to the original creditor but they will not remove it from my credit report.

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 2021-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Secured Resolutions, LLC
State: NY

Complaint narrative:
This agency put a collection account on my credit report without notifying me. They never called to resolve the debt first, simply parked the account which has recently been a sore subject with the CFPB. I then disputed the debt with the agency and requested validation of debt as my insurance company should have taken care of the bill. They never updated my credit that I had disputed the matter pursuant to FCRA requirements. They did send me a packet of papers that did not validate the debt and was full of incorrect information. When I called back the associate I spoke with told me I had already disputed this and didnt call back in soon enough and offered to resolve my dispute by talking 10 % off the balance. Per FDCPA law, collection attempts can not be made while I actively dispute the debt. These people are impossible to work with and violating numerous laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: NY

Complaint narrative:
Hello, on XX/XX/XXXX i sent letters to XXXX, XXXX and transunion requesting unknown and unauthorized inquiries to be removed from my credit reports. XX/XX/XXXX transunion responded with a letter refusing to remove the inquires. experian and XXXX have not responded at all. 

The inquires that are fraud, unauthorized and need to be removed are : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX CARD Inquiry date : XX/XX/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 2021-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: CO

Complaint narrative:
I do NOT have any debt other than my monthly bills. My credit score is over XXXX. These people at XXXX XXXX and XXXX have been calling me and leaving a recorded message almost everyday for 2 months now. I can not get them to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was checking my recent credit report, and I have noticed that there are multiple inquiries from different banks, that I had no idea about. I did not authorize any of these banks to run my credit and put inquiries on my credit report.

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 2021-02-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I was checking my recent credit report, and I have noticed that there are multiple inquiries from different banks, that I had no idea about. I did not authorize any of these banks to run my credit and put inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: OR

Complaint narrative:
I graduated with my XXXX in XX/XX/XXXX and began repayment on my loans XX/XX/XXXX per expectations. I was using a Segal Education Award for the first several years as I had done 2 years of XXXX XXXX prior to graduate school and was using it to pay off my loans while I worked to secure stable employment with a stable income. I was working in a public school during this time so my employment was qualifying employment. My plan was to work for 10 years, from XXXX in public service and have my remaining loan balance forgiven. I noticed after a year of payments that my payments from XXXX stopped showing as qualified and many of my payments weren't actually being processed as qualifying payments due to the way that the XXXX system did not always sent payments in a timely manner and was impossible to contact and told me there was nothing else they could do. I spoke to fedloan on a monthly basis to confirm my payment was received and would qualify and always submit payment requests on time and per fedloan and was given mixed information regularly. I was told my account was under review for 3 years and that the payments should show up as qualifying once the review was complete. The review is still pending. It has been 5 years now. 

I have been paying my loans on time since XX/XX/XXXX ( 49 months ) and only have 18 months of qualifying payments. My account is still under review and I am worried that nearly 20 of my payments will be deemed as 'not qualifying ' because of issues beyond my control. These payments were ones made with the Segal Award ( from the government ) to the government and should absolutely qualify for public service loan forgiveness. 

I need my qualifying payment information to be updated to reflect the accuracy of what I have been doing .... this is unacceptable and I wish I could discharge these loans in bankruptcy but I am unfortunately a public service slave for now longer than 10 years because fedloan refuses to review and understand the situation of the XXXX XXXX Award system not processing payments on time. This is beyond my control, but I am being penalized for up to 20 payments being deemed as not qualifying.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
XXXX A payment was made in the amount of {$300.00}. Spoke with XXXX XXXX. I requested that {$260.00} escrow shortage be paid off and the {$30.00} balance be added to the current escrow balance. My mortgage payment should now be {$740.00}. Mortgage payment currently shows {$810.00}. Shellpoint Mortgage has not applied the escrow shortage payment as I have requested and paid on XXXX. On the website, Shellpoint Mortgage has not corrected the monthly mortgage payment and continues to show monthly mortgage payment {$810.00}. Escrow balance currently shows {$1200.00}. Please verify this information with the recording of call to Shellpoint Mortgage. Shellpoint Mortgage has not supplied accurate information and made no mention of the request to apply the XXXX payment to pay off escrow shortage that can be verified in the recorded conversation with the Shellpoint representative, XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation