vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: DocuPrep Xpress
State: IA

Complaint narrative:
I got a call from DocuPrep around XX/XX/2020, offering a student loan forgiveness plan. They checked, and I wasn't eligible for forgiveness, but I could start paying {$50.00} per month, after I paid them their fees of {$990.00} ( {$190.00} per month for 5 months ). I just recently checked with my loan servicer, Navient, and they replied that they are not affiliated with this company. I emailed DocuPrep twice, telling them they were not getting any more money from me ( before the 5th payment came out of my account ), and that I had found out from XXXX 's website that companies are not supposed to be charging for help in repaying student loans. I asked DocuPrep to immediately return the {$790.00} to me that they had charged. I have not heard back from DocuPrep since.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-06 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: IL

Complaint narrative:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : 01 XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/XXXX Paypal suspended my account and froze my fund of {$2400.00}. They alleged a violation of their terms of service however would not disclose what that was. They emailed me that day and informed me they would be holding my funds for 180 days in case of fraud and would message me about how to access my funds after that. On XX/XX/XXXX they transferred all {$2400.00} out of my account with the description of : '' Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: Rozlin Financial Group, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: ERC
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ALLIANT CREDIT UNION
State: IL

Complaint narrative:
I, XXXX XXXX entered a consumer credit transaction with Alliant Credit Union on XX/XX/2018, which involved a finance charge. Pursuant to 15 USC 1605 ( a ), a finance charge is the sum of all charges in a consumer credit transaction and does not include cash. Alliant Credit Union has collected monthly payments from me since XX/XX/2018, which is in violation of 15 USC 1605. Also, Alliant Credit Union failed to include my auto insurance which is to be included in the finance charge, pursuant to 15 USC 1605 ( a ) ( 5 ). Alliant Credit Union failed to disclose to me my right of rescission and provide me with the appropriate forms to exercise my right which is in violation of 15 USC 1635. As a federally protected consumer under Title 15 Chapter 41, my rights has been violated and Alliant Credit Union is criminally liable, pursuant to 15 USC 1611 and also civilly liable, pursuant to 15 USC 1640 and 15 USC 1692k

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: ME

Complaint narrative:
Specialized Loan Servicing LLC XXXX. XXXX XXXX XXXX, CO XXXX, they are a second mortgage based on a refinance. For the last 7-8 months they have not sent a monthly statement. I have requested several times for monthly statements to be mailed or at least emailed. They refuse. They tell me that they no longer send statements because of the cost of paper. When I asked to have it emailed to me, I was told they would not do that and I would have to go online and login each month to view my monthly statement. I asked if there were any exceptions and their customer service told me No. I believe this is against the rules. XX/XX/2021, I spoke to a Customer Service Rep named XXXX that said there was nothing he could do about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In XXXX My XXXX XXXX XXXX  was in an accident and the insurance company paid out what the car was worth at the time. after 8 months of fighting with the police station to get a report we finally got one and the GAP holders ( as of today even with the information they need ) refuse to re open my GAP claim to payout the remaining balance of the vehicle loan. ( approx 3500 $ ) and it is now affecting my ability to get another vehicle because of it. The lien holder is Wells Fargo Dealer Services. The GAP holders are XXXX XXXX XXXX. We are currently STILL in litigation with the insurance company about this matter almost 3 years later to determine the amount of damages that have occurred health wise to my wife. The GAP holders keep telling me because there is a 210 day window for proper documentation to be received that the claim is outside of that window and refuse to do anything about it leaving me XXXX with the rest of the loan being delinquent as Wells Fargo continues to report it monthly to 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 2021-04-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: LA

Complaint narrative:
My name is XXXX XXXX and I bank with chime my unemployment went in my account and they froze my account with over XXXX I been writing & calling them they said they was gone send me a check & never did this been since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: CL Holdings LLC
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XX/XX/XXXX Jefferson Capital System, XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX VIA U.S.P.S. CERTIFIED MAIL/RETURN RECEIPT REQUESTED # Re : Jefferson Capital System Account Number : XXXX Debt Collectors Account Number : XXXX Dear XXXXefferson Capital System, I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Be further advised that I request the name and address of the original creditor, along with an agreement with my original signature binding me to the alleged debt. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive related information. If you fail to comply with this letter, I may turn the matter over to an attorney. 



Sincerely, XXXX XXXX XXXX XXXX Email : XXXX SSN : XXXX DOB : XX/XX/XXXX cc : Consumer Financial Protection Bureau via fax XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
Sam 's Club advertises their Sam 's Club Mastercard, which contains various benefits for the consumer like 5 % cash back on gas. On their credit card advertising page they focus on the benefits of the Mastercard. They do highlight that the Personal Credit Card ( not Mastercard ) does not get you all of these benefits, BUT they never highlight that when you apply for the Sam 's MasterCard, if you get denied for it, that you will be AUTOMATICALLY applied for their " Personal Credit Card '' which contains none of the benefits.

To further clarify my point. They do indeed highlight that the " Personal Credit Card '' does not contain the benefits of the MasterCard BUT they do NOT highlight that you AUTOMATICALLY get applied to the " personal credit card '' if you get denied for the MasterCard.

This was very problematic in my case because I did not get accepted to the MasterCard offer, and got automatically accepted for the " Sam 's personal credit card '', when I was ONLY interested in the MasterCard options due to the cash back benefits. If I would have known that I was denied from the MasterCard option, I would have never applied for the " Sam 's Personal Credit Card '', since it does not contain the cash back benefits.

After realizing that I got accepted to the " Sam 's Personal Credit Card '' and not the MasterCard option, I called the customer service to ask for clarification on why I got approved for the personal credit card and not the MasterCard, when I thought that I was only applying for the MasterCard option. They ultimately let me know that when you apply for the Sam 's Credit Card online, if you do not get accepted for the MasterCard, then you automatically get applied for the " Personal Credit Card ''. This is something that is not clear when you are applying for this card. Even if you read the small grey print on the bottom of the advertisement page, they never clarify this point. If they would have clarified this, I would have never applied for their card in fears that I would have not been accepted to the MasterCard option, which is the only option that offers cash back benefits. 

Ultimately, after realizing that I got accepted for a credit card that I did not believe I was applying to due to lack of clarity/information on the application and advertising site, I went ahead and canceled my account with them since I was not interested in that card. I do want to note that this all happened in the span of a single day ( XX/XX/2021 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Tuesday, XX/XX/2021 XXXX : Collection unknown bill from Midland Credit Management Dear Consumer Protection Bureau, Midland Credit Management XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX shows up on an XXXX  credit report as trying to collect a bill about which I have no knowledge. They list {$750.00} from XXXX XXXX XXXX. I know nothing of anything I may owe or even ever having used XXXX  XXXX XXXX. 

I would like any verification that I owed anything to XXXX  XXXX XXXX  and when this was assumed and for what the bill was generated. 

If Midland can not verify this claim, I want the claim erased from my credit reports. 

Thanks for your help. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Skrill USA, Inc.
State: DC

Complaint narrative:
On XX/XX/2021, I took the bait of a fraudulent email purportedly from XXXX XXXX regarding a change in my subscription. I spoke to one XXXX XXXX in the Security Department at the number given ( XXXX ) who explained that the charge had been activated accidentally. I provided him access to my checking account ; but he transferred {$500.00} from it to Skrill instead. So I called XXXX, which pronounced that a scam. ( XXXX case no. XXXX. ) Skrill stated in a XX/XX/XXXX email that the transfer would be cancelled and that amount would be refunded to my bank account. On XX/XX/XXXX, Skrills XXXX confirmed that the transaction had been cancelled and the funds were still in the U.S. On XX/XX/XXXX, I received another email from Skrill, which reiterated : Your money transfer to XXXX XXXX has failed. Your deposit will be refunded. ( Transaction XXXX ) .It further stated in a footnote that any remedy against Skrill would be a refund of the transaction amount. 

By XX/XX/XXXX, however, Skrill still had not issued the refund, so I called again and was told to expect a response by email. On XX/XX/XXXX, I was notified that my account had been closed. Additionally, we have applied an administrative fee for the amount of {$50.00} leaving your balance to be XXXX USD. 

Instead of such blatant malfeasance, I expect Skrill to refund my {$500.00} in full without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: PR

Complaint narrative:
I've been trying to withdrawal/transfer my money from my robinhood account to my personal bank account without success. The first time the problem was fixed and i was able to transfer the money successfully, but now again i'm in the same situation. I already sent my passport card and the page from my passport book photo. twice. Now on, you said like I changed my name or something, which I don't. I don't think I'll need to fill the form to change my name because my name hasn't changed since I was born. I really need to be able to withdraw my money like I already did in past times. I've been requesting for call support from your end without any success either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: CT

Complaint narrative:
On XX/XX/2021 I contacted Regional Acceptance about a charge off on my account. I co-signed for my daughter which resulted in a repossession. I spoke with XXXX at Regional acceptance on the above date. XXXX stated the debt was in collections and she ( XXXX ) could not speak further with me. I was advised by XXXX to call XXXXXX/XX/XXXX. I called XXXXXX/XX/XXXXand was told the debt was over XXXX. I spoke with XXXX XXXX who agreed to a settlement on the account in the amount of XXXX dollars. I was instructed to pay this amount on or before XX/XX/2021. I paid the amount on XX/XX/2021. I received a letter in the mail dated XX/XX/2021 from Regional Acceptance stating they violated Connecticut statute by not providing the accurate amount minus GAP insurance of XXXX dollars and would be credited this amount to the outstanding balance. 
I reached out to XXXX and spoke with her regarding the account. I inquired how could she credit something to a closed account? I was told they could and they did! 
Regional acceptance will not take any further calls from me regarding these monies. I inquired about the amount on my credit report which was in error, and the amount sent to XXXX was in error, therefore the info was not accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
My information was exposed to the XXXX  data breach and got into the wrong hands, remove this fraudulent account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
I recently had a mortgage run my credit for home buying purposes. I was notified a short time after that XXXX XXXX ( XXXX ) has recently ( XX/XX/XXXX ) reported my account status as " XXXX '' when I have been in Chapter XXXX bankruptcy XXXX since XX/XX/XXXX. I have never had a late payment on this account prior to filing for XXXX. I reached out to XXXX XXXX today XX/XX/XXXX and spoke to a lady that was very disrespectful by the name of XXXX. She refused to provide me with her last name and advised me that she would report my account negative every month until the account was paid in full.

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