vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: NM

Complaint narrative:
On XX/XX/2020 Midwest Recovery Systems reported a collections account on my XXXX and XXXX credit files. I had never received any correspondence or phone calls from this company prior to the erroneous posting on my credit files. In the following days I received multiple phone calls attempting to collect a debt. I informed Midwest I have no knowledge of this debt and demanded verification. To date they have failed to provide any validation information. I am assuming this is a scam with the intent of defrauding me through extortion as they have failed to provide any evidence of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: VA

Complaint narrative:
In XX/XX/XXXX, I contacted XXXX XXXX to have my services transferred to anew address. Around the XX/XX/XXXX, I moved. Unknown to me, my services were never transferred and the internet I was using at my new address belonged to the previous tenant. After an outage, I called and was informed that due to an error on their end, my services were never transferred. After further communication, my services were transferred to my new address. Towards the end of XXXX, I was contacted by a collection agency about a balance owed to XXXX for {$56.00} for services at my previous address. To my knowledge, I shouldn't have a balance and the services and balance from my old address were transferred to my new address. I was told that XXXX, instead, cancelled services at my old address and started new services at my current address. I never received notice of this and have always paid my bill under the assumptions that I have the same account. The collection agency I spoke with at the time said that they would enter a dispute. Today, I was contacted by Waypoint Resource Group, a collection agency, about this same XXXX account. The account was transferred to them on XX/XX/XXXX, and the balance is now {$71.00} due to a {$14.00} fee that XXXX charges.I explained the situation to the new collector and they too have offered to enter the dispute with XXXX. They did inform me that I would receive no communication on the results of the dispute and if my dispute is deemed unsubstantiated, they will resume collection activity and report this account to the credit bureaus within 45 days. I do not understand why I was never notified that the transfer of service never took place and that I owed a balance, if this is even true. What's even more bizarre is that I currently have an active account with XXXX XXXX that is in good standing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: IA

Complaint narrative:
XX/XX/2020 {$300.00} XX/XX/2020 {$68.00} XX/XX/2020 {$190.00} XX/XX/2020 {$50.00} XX/XX/2020 {$400.00} XX/XX/2020 {$100.00} I was purchasing different crypto coins in hopes of a significant ROI after the Bitcoin halving event coming up in two or three days time. My linked payment accounts were disabled when I tried to purchase XXXX  and XXXX  this morning early around XXXX XXXX. I called the XXXX number for help. The automated bot told me to push 1 on my keypad if I believed my account was compromised. So I did, now it's disabled. I've sent multiple messages for help. No human response. I've followed automated instructions to regain access to my account. I completed the verification of ID several times. That includes front and back photos of my driver 's license and a head and shoulders picture of myself. It claims to verify my ID within 5 mins. It does not, even after 30 mins. I've desperately tried multiple times today. I need help. This company isn't helping what so ever. I honestly believe they've stolen my investment, which was increasing in value. Thank you kindly, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim.

1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.

9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.

10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.

12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.

13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.

14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.

15. Provide verification from the stated creditor that you are authorized to act for them.

16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp
State: MI

Complaint narrative:
My loan with Lending Club was paid in full in XX/XX/XXXX. I applied for an auto loan in XX/XX/XXXX and the dealership brought it to my attention that I had a negative account reflecting on my report. I reached out to Lending Club and was told that it was showing a {$0.00} balance on their end and they would take care of it so that it would correctly reflect on my credit report. I was told to give it 30 days and it should no longer report incorrectly. I pulled my credit report today and to my surprise, Lending Club is still negatively reporting on my credit report. At this time, this is truly hindering me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim.

1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.

9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.

10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.

12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.

13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.

14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.

15. Provide verification from the stated creditor that you are authorized to act for them.

16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
These accounts are unauthorized and unverifiable and is damaging my overall credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: OH

Complaint narrative:
I went through the preapproval process with loan Depot to do a Cash-Out refinance of an investment property. According to the process, I was preapproved based off of debt to income ratio, and income level, to take funds to consolidate some credit card debt. After two months, the lender ( Loan Depot ) came back with a denial. Their denial was based on their incorrect interpretation of an employer  provided note that was forgivable, not on my credit report, not asked about in the beginning, nor an ongoing financial obligation of mine, to my debt load on the basis that they said they ( Loan Depot ) could not guarantee that I would maintain employment with my firm and it would become an obligation of mine. The Loan is paid back with time served, not money and there was one year left on the note. I have applied for, and been approved for another home purchase as well as another refinance without any negative impact of this note since it was granted 5 years ago. They are assuming I will lose my Job, which would impact more than my note, it would impact my income as a whole. I have never had a loan assume a future loss of employment. It is no different than arresting someone for assumption of a future crime. I demanded my appraisal fee back, as I would never have gone through the process had this requirement been disclosed in the beginning. Not only did I waste my time with the company, but I lost money on the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: OK

Complaint narrative:
I am receiving phone calls demanding payment of a debt that is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I've been having a problem with paypal getting my irs e.i.p on my paypal direct deposit as well as hundreds of others people that got there eip through paypal direct deposit. Irs payment tool said my eip payment was direct deposited into my account with paypal on XX/XX/2020 and its now XX/XX/2020 and still have no eip on my account or showing pending or anything. Ive tried to call paypal directly but no ones in there customer service phone number cause of corona virus. Ive tried several times to use there automated online service for customers with out no help the last message said someone would get in contact with me but no one ever did. So I went to paypal community page to try and figure out whats going on and thats where I found out there are hundreds of people having the same problem as me. There was a story of one man I believe from tennessee who went to his towns news channel to go public with his story and paypal went a head and helped him get his eip payment.So if they knew there was a problem why havent they fixed this problem cause its hundreds of people with same problem.People like me need that money to support our familys and keep a roof and food in there families stomaches.Ive also tried calling wells fargo who paypal goes through for direct deposit and was told its a middle man for paypal once they get deposits it goes straight to paypal and only paypal can access information for costomers regaurding there direct deposits.So theres nothing they can do to help us.It has to be paypal who can tell us whats going on with our deposits. As far as I can see this problem has been happening with people having deposit dates from irs portal from XXXX and XX/XX/2020 that ive seen on paypal community page of tjhere website.If irs sent and gave us a deposit date then why hasnt paypal deposited it into our accounts? If you can help in anyway id greatly appriciate it very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: DISCOVER BANK
State: CA

Complaint narrative:
Victim of Identity Theft. I already have a personal loan account with Discover Personal Loans ( DPL ) and the account number is XXXX. On XX/XX/XXXX DPL without my authorization transferred XXXX $ s to my XXXX ( XXXX ) credit card and XXXX $ XXXX to some account in XXXX. I never heard this organization XXXX. I leant about this activity when DPS called me sometime in XX/XX/XXXX. Then i started disputing. I did not even realize that they transferred XXXX $ s to my XXXX  CC. Sometime in XX/XX/XXXX DPL gave me XXXX number of XXXX. I called them, they searched their data base with name, SSN etc. and they could not find any. XXXX wanted Routing ID and first 3 digits of account which they did not give. I reported to XXXX   and XXXX  and they closed this account. XXXX  is investigating. Sometime in early XXXX i consulted a Lawyer. As per my lawyer 's advise, following good faith tender agreement made XXXX $ s as FULL and FINAL payment to DPL as XXXX $ s came from them. Even though i did not authorize i made this payment and they accepted. They deposited the check. Now they are coming after me for the remaining XXXX $ s which they ( DPL ) themselfs don't know where they sent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-08 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: NJ

Complaint narrative:
I HAVE CONTACTED EXPERIAN ( XXXX ) XXXX ) BUT CAN REACH NO ONE. I HAVE REDISPUTED THE SAME ACCOUNT XXXX XXXX # XXXX, PROVDING PAGES OF DOCUMENTATION FROM XXXX AND MYSELF THAT THE ACCOUNT WAS NEVER LATE. THIS REFUSE TO ACKNOWLEDGE THIS. MY REINVESTIGATION COME BACK AS " REMAINS ''. I HAVE DISPUTED THIS SAME ACCOUNT WITH XXXX  AND XXXX  WHO UPDATED MY ACCOUNT. EXPERIAN HAS CAUSED ME EMOTIONAL DISTRESS! THEY ARE A 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 2020-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I paid my two months mortgage amount of {$3300.00} ( XX/XX/2020 ) and {$3300.00} ( XX/XX/2020 ) to my lender ( XXXX XXXX - XXXX XXXX ). Then I also received another payment notice from TIAA Bank that said my loan was sold to them on XX/XX/2020. I have not received any Goodbye Letter from my lender, nor did my Welcome Letter from TIAA Bank. I provided my bank statement for those two payments to TIAA Bank shows the proof of payments, and never got a reply from them. I called XXXX XXXX and request the Goodbye letter, which indicates - The servicing of your mortgage loan is being transferred, effective XX/XX/2020. My complaint is the lack of information when the loan was transferred to one servicer to another. I am not properly informed my loan had been transferred. As a result, payments made to either the prior or current servicer around the time of the transfer were not applied to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: AK

Complaint narrative:
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Information is attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: FMS Inc.
State: TX

Complaint narrative:
Southern Management Systems contacted my phone from XXXX regarding a debt on XX/XX/2020 at approximately XXXX cst. I had a friend answer as i was busy and see what the call was about, they asked for me and said who they were, when my friend said that he was me the collector failed to verify with a date of birth or ssn, and just began speaking about my debts to my friend. This resulted in my info being shared in a way i am not happy with, anyone who this company calls could say they were me and just get all my info.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: NJ

Complaint narrative:
there are unauthorized and fraudulent inquires that I see 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 2020-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NV

Complaint narrative:
On XX/XX/2020, I unknowingly sent money through cash app to a scam artist for goods that were not receive. After that I try to get in contact with said person, to get a refund for my money for the goods that were not received. I find that the person blocked me on social media so I would not be able to contact her. Shortly after I contacted cash app to see what could be done about the situation as far as a refund. They informed me that they will not be able to take responsibility for any transfers of money through cash app and that I should contact my bank. After that email transaction with cash app I contacted my bank to file a claim. They were able to assist me so far up until XX/XX/XXXX of 2020. I have contacted my bank today, XX/XX/2020 and they reversed the credit transaction from the claim money. They informed me that cash app will not take responsibility for the transaction and refund me my money. Cash app has done this multiple of times where I contact support and verbatim will say they do not have any more information for me. All I want is my money back from a scam artist praying on me. The original transaction happened in XXXX and I should not still be dealing with this in XXXX. Cash app Has closed my account due to the dispute and will not allow me to add my debit card information anymore. And when I asked as to why my account is closed they never give me any information. I no longer use cash app for anything and I would love to receive my {$85.00} back.

Company response to consumer: Closed with explanation