vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: IL

Complaint narrative:
I signed up to take college classes at XXXX college in 2015. When summer/fall rolled around and it was nearing the first day I hadn't recieved a call back about my daycare spot. I called in on XX/XX/2015 to make sure everything was set in stone as school was suppose to start the following day XX/XX/2015. The school notified me that they did not hold the daycare spot for my children so I was forced to cancle the courses I signed up for. Several years later I noticed a collection on my credit report saying I owed them money! I tried contacting the collection agency and the school themselves and also disputed it several times. The collection agency sent me a letter from the school showing their cancelation policy which states if courses are dropped with in so many days of classes starting you will recieve a full refund. Well, I dropped my courses the day before school even started! On top of that their information is not accurate what's so ever. They claim i made some sort of payment to them which I never did that either. I actually ended up taking online classes through XXXX university and never took a single course through XXXX. This has been on my credit report and decreasing my score for quite some time now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I attended XXXX University for 6 months I started XX/XX/XXXX- XX/XX/XXXX. the loan that I am concerned about is through US DEPT . OF EDUCATIONGL. 
i have a student debt for XXXX. I don't believe this balance is accurate.i have. tried to call them and ask them to go over the loan and the requested date. XXXX UNIVERSITY was under investigation or student loan fraud. I have placed the amount into forbearance until I can get to the bottom on this loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched EXPERIAN CREDIT REPORT BY USAA. # XXXX XXXX XXXX XX/XX/XXXX Account Number does Not match. See circled USAA ( *Account XXXX ) Opened XX/XX/XXXX I DID NOT OPEN THIS FRAUDULENT ACCOUNT .See attatched 1099- C USAA CANCELLATION OF DEBT Account ( XXXX ) XX/XX/XXXX never closed. Two New Accounts opened Fraudulently WITHOUT " VERIFICATION '' OR AUTHORIZATION See attatched new account Mastercard Statement ( XXXX XXXX XXXX XXXX ) of XX/XX/XXXX {$100.00} balance. I DID NOT OPEN THIS CREDIT CARD. see attatched CREDIT CARD FRAUD CLAIM claim date XX/XX/XXXX {$470.00} card XXXX UNAUTHORIZED TRANSACTIONS OCCURRED. I DID NOT OPEN THIS CREDIT CARD VISA XXXX. SEE Attatched USAA CREDIT CARD I REFUSED NEVER ACTIVATED ( *Account XXXX ) I DID NOT OPEN THIS CREDITCARD ACCOUNT. 
AGAIN USAA ACCOUNT NUMBERS KEEP CHANGING ( a. XXXX, b. XXXX, c. XXXX, d. XXXX )??? ** KINDLY NOTE FOUR DIFFERENT ACCOUNT NUMBERS. I DID NOT APPLY FOR AUTHORIZE OR OPEN ANY CREDITCARD AFTER 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 2020-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
Called my credit card issue Capital One Bank on XXXX to ask that they give me a grace period on my credit card payment. Was told they would not move back the date or waive the fee. Have always paid this card on time, and have never received accommodations from this company ( asked 1 previous time and was denied in XX/XX/2020 ). 

Seems predatory to be refusing to give any ground to people who are out of work, especially with pandemic. They already make great money from me from 17 % interest on my debt, can't afford these additional fees. Someone should tell these bankers that there are real people being hurt by their policies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
I returned my leased XXXX XXXX  XXXX  to XXXX XXXX  at the end of XX/XX/XXXX. The final lease payment had been made on XX/XX/XXXX. My lease stated that I may owe an end of lease amount upon return of the vehicle. I asked three different people at the dealership, including the manager, if I owed any money as I was prepared to pay it that day. They all told me that nothing further was owed. In XX/XX/XXXX, four months after return of the vehicle, I received a bill from Hyundai Financial  in the amount of {$460.00}. I returned the statement with a note to contact XXXX XXXX  as they had told me that I didnt owe anything. I received another bill in XX/XX/XXXX. I again returned it with a note to contact the dealership. In XX/XX/XXXX I was notified by my credit monitoring company that my XXXX credit score had decreased by almost 200 points because of a report of a late payment by Hyundai Finance. I have called Hyundai on multiple occasions and was told to file a written dispute, which I immediately did. The Dispute Resolution Department does not take phone calls. I also filed a dispute with all three credit bureaus. I received a form letter from a Hyundai stating that my inquiry is complete and that if appropriate I would see a change in my credit score, which Has not changed since the 200 point drop. I dont understand how a company can bill me 4 months late and then report an invalid debt to the credit bureaus. I have had perfect credit for my entire life, I have never once had a late or missed payment. One erroneous entry from Hyundai has taken my score from excellent to fair. Noonefrom Hyundai Finance, XXXX XXXX  or the credit bureaus will speak with me. How do I get this resolved?

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 2020-06-27 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT 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 2020-06-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: LDF Holdings, LLC
State: FL

Complaint narrative:
Hello. My name is XXXX XXXX XXXX. I am a United States citizen for a very long time.. but last year of XXXX, I had to take out a Loan from a company called LoanAtLast, based in Wisconsin. Everything was very well transacted and legit. Months went by and I did not repay them and so the total balance reached a total of {$650.00}. When the pandemic hit in Early XXXX, I was not able to repay it because I was laid off from work at the time. So I kept getting calls from the company until one day, I received a very suspicious email saying I will be sued by this company and a so called attorney represented himself from that fraud email as he was using my personal information from the company LoanAtLast to represent himself and seek that compensation for my loan. Finally, I called the company and they told me that there is no such thing as an attorney ever contacting me ever and that they will never sue me BECAUSE of the pandemic and the global issues ... the " attorney '' wanted my debit card information, but when I called Loan At Last, they have already transferred my debt into a collection agency ... called XXXX. I have made my first payment to that company so I can start clearing the debt, but the attorney is representing a whole different amount owed which is obviously a scam ... 

My email : XXXX Scam email : XXXX I have contacted the original company which is LOAN AT LAST He ( the mysterious attorney needs to be investigated for fraud and scam ) needs to be seen and caught as he is asking me for personal info regarding a loan I have using my info and the company 's info! 

When the scam attorney " XXXX XXXX '' charged my card the first time, it came up as XXXX, XXXX XXXX XX/XX/XXXX PURCHASE XXXX XXXX GA Maybe this is the person and his phone number RELATED TO THE SCAM! Please adress this accordingly and make him pay for what he is doing to many others! he is using the Covid-19 pandemic to his advantage. Thank you! 

Contact me for further details please : XXXX I want to help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, I received an email informing me that a Venmo account had been created for that email address. Moments later, a second email indicated that a credit card had been added to that account, and shortly thereafter, that {$250.00} plus a fee had been charged. 

I immediately contacted XXXX, my credit card issuer to dispute the charge and close that account. XXXX is absolutely responsive, no issue with them. 

Since XX/XX/XXXX, I have been trying to contact Venmo, via email and their XXXX XXXX account, requesting that they close an account that I did not create. 

Because I can not provide the phone number used to create the account -- it was not my number -- I can not access the account. This is a flaw in the Venmo system, and evidently one they don't care about. 

I want Venmo to close the account. That is all. Ideally, the Bureau might investigate them as well, as they seem to have a reputation for ignoring hacking and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
For the last 7 weeks ( and counting ) I have been trying to connect my business bank account to my PayPal account. What should be a simple task has turned into a case of unfair treatment and targeted discrimination against me for reasons I am still not aware of. I have submitted the requested XXXX business verification documents as requested by PayPal 5 tims now and yet even today I am still getting emails from PayPal requesting I submit the exact same documents again. I have tried to resolve this through their online chat platform only to be bounced around to multiple people in the same conversation who either just give me generic information or do not respond to my requests. As their customer service call centre is not accepting any incoming calls due to the COVID pandemic ( which as a professional in the OHS and Risk field struggle to understand ) I have requested more than a few times for a senior manager to contact me direct via phone to hopefully resolve this issue. Documented evidence can be provided upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: AC AutoPay LLC, Denver, CO Branch
State: NV

Complaint narrative:
I applied at Autopay.com to refinance my high interest loan now that my credit is vastly improved post bankruptcy. I fully disclosed the vehicle was under water a bit and that I was 2 years post BK. Rep assured me based on soft pull that everything " looked great ''. I made it clear I wanted ONE app submitted and if declined to discuss options BEFORE anymore apps were submitted. Over XXXX XXXX they submitted 3 applications. One to XXXX XXXX XXXX XXXX, one to XXXX XXXX XXXX XXXX, and the last to XXXX XXXX XXXX. These were fraudulent applications by AutoPay knowing that I did not qualify for membership in ANY of these credit unions. When I called my account rep : XXXX XXXX XXXX he stated he had not read the notes indicating only one app but admitted they knew about the limitation I had placed and had submitted the other 2 but had an approval for me. Did not say which lender. When I declined their expensive GAP insurance and worthless warranty suddenly another {$1000.00} in a " deposit '' would be required to do a loan. NO deposit was ever mentioned in any prior communication and only came in when I refused their hard sell add ons. XXXX hung up on me and I immediately received and email stating I don't qualify for a loan.

Company response to consumer: Untimely response
Consumer complaint received 2020-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT AND I FEEL LIKE HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS. BECAUSE OF THIS IT HAS LEAD ME TO MY ONLY OPTION OF SENDING DISPUTED TO HAVE THOSE DEROGATORIES BLOCK AND DELETED OFF MY CREDIT FILE. 

I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND, BECAUSE OF THIS IT HAS CAUSED A GREAT HARM TO MY CREDIT FILE AND IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THESE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY 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 2020-06-27 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: NY

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT AND I FEEL LIKE HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS. BECAUSE OF THIS IT HAS LEAD ME TO MY ONLY OPTION OF SENDING DISPUTED TO HAVE THOSE DEROGATORIES BLOCK AND DELETED OFF MY CREDIT FILE. 

I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND, BECAUSE OF THIS IT HAS CAUSED A GREAT HARM TO MY CREDIT FILE AND IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THESE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
This email is being sent because of the undue burden placed upon me in an attempt to repay a student loan. 


SUMMARY In XXXX my student loan was consolidated with Navient in the amount of {$21000.00}. To date, I have paid {$74000.00} and STILL have a balance due of {$52000.00}. In addition, I will end up paying back an estimated {$160000.00} in total with the Income Based Repayment Plan currently being offered by Navient. This would be {$140000.00} in interest on a {$21000.00} loan. 


DETAILED INFORMATION On XX/XX/1996 the original principle on my consolidated FFELP Student Loan was {$21000.00}. 

Over the last 29 years, I have managed to stay out of defaulting on this loan by making payments totaling XXXX XXXX XXXX XXXX XXXX XXXX  Dollars and XXXX Cents ( {$74000.00} ). 

During this time, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dollars and XXXX XXXX Cents ( {$37000.00} ) in interest has been CAPITALIZED, converted into principle. 

To pay off this balance using the Income Based Payment Plan, Navient has provided an estimated pay off date ofXX/XX/XXXX. This entails XXXX @ $ XXXX = {$87000.00}, which when added to the {$74000.00} I have already paid would be a total of {$160000.00}. This is an estimated {$140000.00} in addition to the {$21000.00} loan, nearly 7 times what was borrowed! 

With {$74000.00} already paid, this debt poses an undue financial burden on me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I tried to make it to the bank before they closed on Saturday XXXX, 2020. By the time I got around to the drive-thru at Wells Fargo on XXXX XXXX  XXXX, XXXX Tx XXXX. The police told me that I could only use the ATM because the bank was closing. Since I was going to XXXX XXXX XXXX to ride jet ski 's I decided to go head and put the cashiers check in my account through the ATM machine. So when I checked my account on Tuesday it said the funds were not available. This is when I called Wells Fargo at XXXX and the lady that I talked with said that the funds would be held til XXXX because the person that gave me the cashiers check had a returned check. I know my check was for {$7500.00} but ever month before this month I have deposited regular checks from the same person and bank for the last XXXX years. I called the Wells Fargo again on XXXX, XXXX and again on today XX/XX/2020. Today I put my boss who gave me the check on the line so XXXX transferred me to her boss XXXX who told us we need to have his bank call XXXX. This gets even better at XXXX XXXX  when The XXXX  XXXX XXXX opened he called his bank and she gave her number for us when we got Wells Fargo on the line. I had Wells Fargo on the line and we also had the lady from The Bank XXXX XXXX on the line the call went all the to the customer service department. She tried twice to reach the branch where the check was deposited and know answer. They still have my cashiers check and I do not have the funds available. I also learned that they never submitted the cashiers check for funds to be released.

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 2020-06-27 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have asked for debt validation from Porfolio for Debt Validations since XX/XX/XXXX to present. I have certified mail receipts. Porfolio has not send me the the following information I requested : The amount of the debt ; The name of the creditor to whom the debt is owed ; Notice that the consumer has 30 days to dispute the debt before it is assumed to be valid ; Notice that upon such written dispute, the debt collector will send the consumer a verification of the debt or a copy of any judgment ; and Notice that if, within the 30-day period, the consumer makes a written request for the name and address of the original creditor, if it is different from the current creditor, the debt collector will provide that information They have not compiled with request per Validation of Debts 15 U.S.C. 1692g. Section 609 was also  violated. 
I am entitled per 15 USC 1692k Monetary remedies {$1000.00} per violation. Negative account must be removed and collection must cease per violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was at XXXX XXXX today XX/XX/2020 and I applied to see if i could finance a diamond ring, however, when they ran my credit I was told that I was not approved due to having an account in negative standing appearing on my credit history. I had no idea what account they were talking about so I looked through my credit report and I saw an account from XXXX Card for an amount of {$1600.00} in negative standing. This account is not mine mine ; I did not open it nor did I allow anyone to open it in my name. I did not benefit anything from this account such as money, goods, services or any other benefit and I did not contribute to any payments made towards this account. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding this unauthorized account.

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 2020-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I'm trying to link my pnc bank account to the app XXXX and its not letting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT 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