vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Skrill USA, Inc.
State: MN

Complaint narrative:
I signed up for a Skrill Wallet on XX/XX/2021 to be able to play on a site called XXXX XXXX XXXX XXXX, XXXX. I was a little apprehensive about using Skrill when it wanted me to link all of my Banking login credentials to deposit money on the XXXX website. So XXXX accepts Debit and Credit card deposits on their website so I opted to deposit with that method instead. 

On XX/XX/2021 I was playing on XXXX and ended up winning {$900.00} and decided immediately to cash out my winnings. Well, XXXX " recommends '' to cash out your winnings using Skrill. But in order for me to cash out I needed to successfully make a deposit with my Skrill account into my XXXX account. So I decided I would link my bank account to it and make a {$4.00} deposit so I can cash out my {$900.00}. That first transaction was declined ( not at all sure why they denied it ). Then I attempted another purchase of {$4.00} ( I had adequate funds in my account to cover both of the {$4.00} purchases ) The second deposit of {$4.00} successfully completed ( Transaction ID : XXXX ) and I sent XXXX a picture of my government issued ID as well as a utility bill in my name on XX/XX/2021 to complete the Identity Verification process with XXXX. 

After I completed and submitted all of the above requirements to cash out to my newly opened and verified Skrill account. I was able to request a cash out from XXXX. I did that on XX/XX/2021. I ended up only wanting to cash out {$460.00} due to playing more on the XXXX website. I had a pending {$460.00} transaction up until XX/XX/2021 then I received a very vague email from Skrill saying " Skrill Payment Successful '' ( Transaction ID ; XXXX ). 

I immediately checked my Skrill account expecting my funds to be in the digital wallet for me to transfer. I was wrong the funds were not in there nor even any pending transactions logged in my Skrill account. Not even the {$4.00} transactions that failed and the one that went thru? 

I am unable to reach anyone from XXXX or Skrill regarding what is happening with this missing {$460.00} or how to even unlink my checking account that I fear could turn into more fraudulent issues with Skrill having access to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Accounts, Inc.
State: AZ

Complaint narrative:
United accounts continues to publish records of debt this is not mine. 
This debt has been disputed and has been found as inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: CBC Companies, Inc.
State: CO

Complaint narrative:
XXXX XXXX XXXX posted three hard inquiries on my credit that I did not authorize. I've tried to fix it with XXXX to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: Navient Solutions, LLC.
State: OR

Complaint narrative:
Navient is the service provider for our consolidated student loans. We are XXXX and XXXX respectfully. I believe that we have been victimized by the practice of withholding relevant information that would have been in our best interest when struggling to repay our loans over the past 40 years, I found several lawsuits that describe our situations and some of them were won. 
1. We were advised to use forebearances or deferments, rather than directed to IDR options. 
2. We experienced a bankruptcy ( and nothing was discharged ) 3. We have been paying on this thing for decades and the orginal balance was only $ XXXX and now over $ XXXX with the principal pretty much the same and interest as much as the original loan. 
4. We're not even sure how we ended up with our loans consolidated. 

Not sure how to resolve with Navient as they are being sued for these very practice3s.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I made a payment of {$200.00} dollars to Sears Citi Bank Credit card.. then on the XXXX of XXXX the company processed an unauthorized payment of {$330.00}. I've been calling since the XXXX. Each time I've called I've received the answer of its been investigated. Will take 5 days for that. I call back after five days. And I get an answer it's being processed.. a refund is being sent back to the banking account. I have called over several days to be exact.. 10 calls since the XXXX. I've been disconnected or put on hold for 45 mins then disconnected. Now I've received an email stating ... " Great news your request for an electronic refunds will be deposited into your bank account within 1-2 business days and no further action is required '' .. after 3 business days I contacted the credit card company. I was told that email was to inform me it was being sent to be investigated. I read the email back to the agent. In two seconds she disconnected the call. After being on hold for 45 mins. So I called back and I was told a check was sent to the bank.. nothing was received and my bank. So then I was put on hold for a supervisor which refused to speak to me. So I asked to be transferred to a supervisor in the USA. After 35 mins.. I spike to supposed supervisor. She then said I had called and canceled the refund to the bank. I then read her the email for the refund. And also told the day I called about the unauthorized payment was to find out where and when will the refund be returned into bank account. Why would I cancel the request and then receive the email..and why would I have been calling after the request was canceled. I told each individual I've spoken to.. '' why was this payment processed without my consent..even after I've a payment. I get no responce. So Monday the XX/XX/21 I called and requesteda supervisor from the US..again 50 mins later I get the supervisor.. he says it should have been processed. So I verified account number and routing number. He said it was correct. And now he had to file an investigation to see why the refund had not been processed. So another 5 business days for that. I've been in the runaround with this company. It didn't take them a month to remove the funds from the bank..and shouldn't take a month to return it. I've been told so many reasons it will be refunded and it's been thru 4 investigated processes. I'm at my wit 's end with Sears Citi bank 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 2021-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: CO

Complaint narrative:
on XX/XX/21 Aldous sent a collection letter for XXXX XXXX, I sent a certified letter back on XX/XX/21 requesting validation ( Both letters are attached ). I did not receive any communication since XXXX. I recently received my credit report and not only did they report a disputed / unvalidated debt, they reported it as three separate accounts to XXXX, with three different amounts and three different account numbers. The original letter stated {$290.00} and now they are reporting {$630.00} owed. They have violated Fair Debt Collections Practices Act. Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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:
This company has now damaged my reputation as a consumer as well as violated my right to privacy. They have furnished inaccurate information and accounts in the report as well as furnished my information to other parties without my written consent as a consumed to do so Violating Title 15 U.S.C.1692c ( b ) and 1681b ( 2 ). As a result of this action they have caused greater harm to my reputation with the 22 unauthorized inquiries present that are not connected to accounts. This is a continuation of violating Title 15 U.S.C. 1681n ( b ). This company has previously disregarded the consumers request for reinvestigation of these accounts and inquiries hurting the consumers ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synovus Bank
State: AZ

Complaint narrative:
I received a call from a woman who claimed to be with XXXX XXXX XXXX. She was very rude and was unable to verify the debt. 
The agent was unable to provide me with any information, refused to mail me any information and refused to provide me with a mailing address for XXXX XXXX XXXX. The agent demanded i provide sensitive personal information like my full SSN even though she stated she already verified the account with the last 4 of my SSN. I got worried so i hung up and called the number back. 

I was connected with a male who stated he was able to verify my account. When i asked him about the debt i was informed it is from first progressive secured credit card. 
I have never heard of first progressive secured credit card, or of XXXX XXXX XXXX. i asked for documents to verify the debt and the individual told me they don't have the documents, they only have an amount and a name. 

I never signed up for any of this and it should be considered fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
I have disputed this debt and been unsuccessful with a response from the comp

any 1. I never received a notice of debt or right to dispute. 2. I was notified th
at creditor received NYS Covid rent relief that if this debt is a valid the debt balance should be adjusted.

I have no proof of validity of balance or adjustment

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 2021-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
I have checked my credit through XXXX on XXXX XXXX. XXXX and I found out that I have a debt collection by Progressive MGMT System XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ), the amount of {$3700.00} since XXXX and its balance was updated XXXX. XXXX by Progressive Mgmt System, I called them to dispute XXXX on XX/XX/XXXX and one of their staff told me that I have not paid my medical bill by XXXX XXXX XXXX XXXX, then after that I called my health insurance, they told me that in my medical records I never been treated by XXXX XXXX XXXX XXXX and all my emergency bills were already paid in full ( I only have admitted to XXXX XXXX XXXX  XXXX XXXX in XX/XX/XXXX XXXX Please see the documents attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Account paid off on XX/XX/2020 and reporting as account as written off with a owed ballance

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 2021-08-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Good Afternoon, I need information on how to get my private loan expunged after attending XXXX XXXX in XXXX, AZ, from XXXX. This school did not explain the gravity of a private loan ; nor did it offer any assistance in job placement to graduates, as promised during orientation, in various brochures, and tv commercials. Ive been told time and time again I am unable to qualify for any form of tuition forgiveness because my loan is not federal. I have tried long enough to pay off this exorbitant loan offered by this fraudulent college. It has become extremely difficult to support my family with the high interest rate and monthly payment amount of this private loan. How lengthy or difficult the process will be is irrelevant to me- I just need some direction on how to be rid of this ever growing issue. I appreciate your time in reading this correspondence and any guidance you suggest. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EAST WEST BANK
State: CA

Complaint narrative:
According to the mortgage statement dated XX/XX/2021, total balance owed was {$98000.00}, minimum payment due date was on XX/XX/2021. 

An amount of {$88000.00} was paid on XX/XX/2021, and another {$7000.00} payment was made on XX/XX/2021. These two payment amounts should reduce the total balance to {$3900.00}. 

However, according to the mortgage statement dated XX/XX/2021 : 1 ) A past due amount has incurred. Payment was made before the due date XXXX XX/XX/2021 ). 
2 ) Only {$82000.00} was applied instead of the {$88000.00} amount that was paid on XX/XX/2021. 
3 ) An excessive interest rate amount has been charged even though the principal balance has been significantly reduced after payment was made on XX/XX/2021. 
4 ) Balance Subject to Interest Rate is {$8700.00}, but the new statement balance indicated on the upper right hand corner of statement is actually {$9500.00}. An excess amount of {$770.00} has incurred.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: BROKER SOLUTIONS, INC.
State: TN

Complaint narrative:
Called to inquire about mortgage rates etc and XXXX/XXXX XXXX XXXX made multiple hard inquiries on my credit file without my permission. I in no way shape or form EVER gave permission for a hard inquiry. We have since contacted them multiple times attempting to remedy the situation yet they refuse. Those inquiries affected my credit negatively enough to make my score now ineligible for a usda loan, costing me a home I had put an offer in. It is my intention to pursue this issue to the fullest extent of the law and use any and all legal recourse I may have. For them to make a mistake not once, but multiple times and refuse to reverse and correct theyre actions is absolutely unacceptable. I have it in writing where they admitted to this, yet refuse to fix it!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Prior to the COVID - 19 pandemic I scheduled and paid for a vacation XXXX XXXX cruise ) for the year XXXX using my Capital One credit card. I paid the card off in full for the trip. Unfortunately, due to the COVID XXXX pandemic the trip had to be cancelled. The cruise line did reimburse my Capital One XXXX XXXX XXXX XXXX credit card. Since I already had paid the trip off on the credit card it left me with a credit owed to me. I rescheduled another trip ( resort in XXXX XXXX in the year XX/XX/XXXX but once again the trip had to be cancelled due to COVID. My credit card had been reimbursed from the resort and again I had a credit owed to me. In the meantime, I was using the credit card for small purchases which brought the credit owed back to me down to {$700.00}. I noticed on my statement that the credit was no longer there. I reached out to Capital One customer service and the representative that I spoke with explained to me that the system automatically generates a check out to the consumer. I explained to her that I never received a check. After a brief hold the rep. checked the status of the check and saw that it had not been cashed and said that they had to put a stop payment on that check and then they would issue another check. She said it would take about 15days. I waited, but again, still no check. I called back and explained the situation again and they did the same process, put a stop payment on the first check and sent out another one. Still no check. I called back and spoke with a Supervisor. After looking into the matter the Supervisor said they would credit the money via ACH of the {$700.00} to my bank account and that they first had to put a stop payment on the second check and would issue the funds into my account ( via ACH ). It would take approx 5 days. About 10 days ( give or take ) later still no funds. I again called Capital One and asked to speak to a Supervisor again XXXX XXXX XXXX and she too said that she doesn't know why they haven't returned the money back to me but that they would issue the ACH funds back to my bank. I still have not received the funds. This has been going on since approximately XX/XX/XXXX to present XXXX XXXX to XX/XX/XXXX ). I am at my wits end. This can not be right that Capital One can just keep my money. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX SSN : XXXX DOB : XX/XX/XXXX XX/XX/XXXX Dear Experian, I wrote a letter to you dated for XX/XX/XXXX. This is not acceptable and I need a resolution immediately because its been 4 1/2 months since my complaint and you have not responded to me. I need you to remove information under my personal information that does not belong to me. 

Please delete the in correct addresses listed below : XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Delete the incorrect name of : XXXX XXXX XXXX I challenge the accuracy, compliance and reportability of the listing below ; XXXX XXXX XXXX ; Please investigate every piece of information is correct, If not ; please remove the whole account from my credit report. 

I trust that Experian will make sure only accurate information is maintain under my credit file. Lastly, once this investigation is complete. Please send me an updated credit report to : XXXX XXXX XXXX XXXX XXXX, CA XXXX Kind Regards, XXXX XXXX XXXX NOTE : In my original written request I submitted a copy of my photo ID.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I have been complaining about Navient for a long time and had given up. I tried to get my brother off as a co-signer as he had XXXX and wanted to get this off his credit for his finances. I have been paying the loans. I paid on time for over a year and denied again. I have decided after that Navient is a disgrace. Then I did not get a raise last year because I can not make anymore money in my role at work. I can not make more than {$60000.00} a year. I spent all of Covid taking care of my ill mother who is XXXX. Its been an economic struggle. My Navient loan never goes down, and I can not refinance them. This company is disgusting and now I started paying 10-15 days late because I am so disgusted. Why didnt they take the co-signer off? Theres always an excuse. Why cant they lower the interest rate? What an outrage and trampling of human beings. Im XXXX years old paying for my sons education. I have paid for my sons private education since kindergarten it is my greatest and most proud gesture as a mom. My ex husband never paid a XXXX. I feel that Navient is wrong with co-signer relief, with interest rates and most importantly the loans never go down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SW Linear Investment Group, LLC
State: WI

Complaint narrative:
Linear Mortgage , LLC got home equity loan papers from XXXX XXXX XXXX from 2002. 
these paper should not exist they should have been destroyed by the XXXX XXXX XXXX XXXX in 2002. Because we never signed them we turned down what they were offering us because it was not what we wanted. we told XXXX XXXX XXXX to stop coming too our home because we wanted nothing to do with them. XXXX Mortgage sent us papers saying that we owed them this XXXX for a home equity loan and said that they had a lean on our property and if we did not pay that they would take our home. so Started to pay them XXXX dollar a month and my husband said that something about this was not right we never took out a home equity loan. so we looked in our files and we found the papers from XXXX  home equity like I said we never sign them or received any money from them. Linear Mortgage sent me the same paper with our signature on them that was a photo copy. alone with paper file with the court of deeds. I called to ask them were did they get these papers and at first she she she got them from a company call XXXX  I told her I never heard of them before then she sent me the copy from XXXX XXXX XXXX. I even called XXXX and they said they never keep paper from that far back I tole Linear Mortgage we wanted our money back she said that she could not help me and she hung up on me and said tell my Lawyer. I called the police they sad i would have to file a fraud report on line so that it can be investigated.

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