vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: MN

Complaint narrative:
on or around the middle of XXXX google pay allowed transaxtions to go through on my google pay account which was hacked causing me over {$400.00} in charges two charges thriugh XXXX and at that time i didnt even have a valid credit card on file yet they charged the one i  had on file with them anyway and a tons of XXXX and XXXX and XXXX XXXX   charges that i didnt charge and some didnt even have the new card of my account on hand it ws in orute after i called and canceled the XXXX XXXX XXXX I am owed almost {$500.00} becasue of these charges and I cant chagre back or they wont let me charge it bacj becasue for some reason they are saying i made the charges when there is no way i could have

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had my phone stolen in XXXX With that being said i tried to file a police report. Due to covid they said unless it was an emergency or I knew who took my phone there was nothing they could do. I then contacted my bank once I noticed there was wire transfers to XXXX made in XXXX which I did not recognize the name and since then there has been over 20 transactions with XXXX and XXXX. I was able to get XXXX to remove my card info in XXXX after 2 months of trying to reach someone. I filed a claim with suntrust they denied it and then denied the rebuttals. I had over XXXX stolen in 3 months and no action was taken. Suntrust was to block all transactions but never did. I am going to be evicted from my home because of this stolen money and now my account is over {$400.00} negative. Is there anyone who can help me get my stolen money back. I feel SunTrust did not protect me as a bank and they just allowed me to be robbed.

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 2020-08-08 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: Lendmark Financial Services
State: WA

Complaint narrative:
I have a loan with LENDMARK FINANCIAL SER, 01 XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX ), and XXXX XXXX XXXX   XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, LENDMARK FINANCIAL SER, 01 XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX ), and XXXX XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
I have been a public servant for twelve years since XX/XX/XXXX. I have made timely monthly payments through autopay during my employment as a public servant. Today XX/XX/XXXX I received a PSLF rejection letter because I have insufficient qualifying payments. However, I believe that I have made 120 payments and that I qualify for Temporary Expanded Public Service Loan Forgiveness. I have called FedLoan Servicing requesting records of all of my payments including the ones made to previous loan servicers. Despite many phone calls, I have not been able to obtain a comprehensive payment history. I was told pay history documents would be mailed to me but I have not received them. Today XX/XX/XXXX, I called FedLoan and was told by an employee that they could not give me any information regarding my total number of payments. I was told to contact my previous loan servicer to get information regarding payments made to them. The previous loan servicer no longer has information regarding my payments. I have applied for TEPSLF but I do not know the status of the application nor how many qualifying payments FedLoan has recorded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
PayPal -negative {$8500.00} XX/XX/2020 Transfer Paid with Balance {$8500.00} Transaction ID XXXX Seller info PayPal Note {$8500.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
SOUTHWEST CREDIT SYSTEMS -- XXXX has committed several federal violations against me, a Private law abiding Federally Protected Consumer. they have Violated 15 USC 1692c

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: FL

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 2020-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
I have never received any information about this debt from this company. I saw this debt in XXXX XXXX. I filed a complaint with CFPB which it then was removed from credit. Upon reviewing the collections on my from the credit bureau this collections is 5 years old and this company has been tarnishing my credit for this long. This company has been removed from all three credit bureaus. Yet turns around and continues to try and collect a debt not owed to them by me. I have no legal or binding account with this " Third Party Collections Agency. Per my consumer rights I do not have to pay a third party collections agency. Also I have never had any connections with any company that I haven't payed for my services or if medical I have medical insurance. CFPB closed this on XX/XX/XXXX for XXXX  and now it is reporting on XXXX. This is harassment. And causing affect to my personal credit. K, B, R , Inc. continues to post on my credit accounts after they have been removed. K, B, R Inc. aka Rash Curtis has no accounts with me has never notified me nor whatever company they are collecting for has notified me for an account number with XXXX I do not have any legal binding accounts with K, B, R or Rash Curtis for them to continue to try and collect from me. They have reached the statue of Limitations 5 years since they said this happened in XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
During the loan modification process, in error Wells Fargo did not offer the trial modification timely. 

XX/XX/2020 I received a letter from Senior Vice President XXXX XXXX of Wells Fargo apologizing for the organizations error and a promise to re-report to the bureaus paid as agreed as it would have been should the modification agreement was offered and made timely. 

This has caused a huge impact to my credit report and scoring over the last couple of years and my ability to qualify for credit.

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 2020-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I Had an account with PayPal credit used my credit cards very responsibly always paid on time until around the time COVID 19 came around I lost my job and fell 90 days behind my payment. No relief was given account went to collections but I managed to pay back the XXXX in full amount around XXXX of 2020.

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 2020-08-08 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Visa  Account # XXXX XXXX XXXX XXXX exp XX/XX/XXXX cvc XXXX THey reported a 30 day late when I was not. They offered a COVID-19 plan due to circumstances where you don't have to pay for 2 months. 

THey did NOT lower the interest rate which I also requested. It is a high APR. 
I still am making payments. I had to reapply for the Covid-19 plan again because they reported a late for the 2 months I did not have a pmt as part of the agreement. 

I would like the late for XXXX and XXXX removed.

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 2020-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: GA

Complaint narrative:
A Discover card was opened in XXXX, payment history was timely. An unauthorized dispute of the account was opened, however not authorized by the cardholder. Discover automatically closed the account however left the balance without informing me. 

Payments were effected for XXXX and XX/XX/XXXX due to miscommunication and understanding of what was actually occurring with the account. The way and reasons the account was closed should have left no balance. 

After speaking with several representatives to reopen the account as this was not authorized. No success. However I continue to make impeccable payments to the closed account.

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

Complaint narrative:
My name is XXXX XXXX and I am writing this letter to request for a dispute to be opened for the following accounts to be removed as they dont belong to me. The following accounts don't belong to me which means they are all fraudulent and are errors on my credit report that needs to be removed. I tried disputing this with Equifax and they declined to assist me with this issue. My understanding about Equifax reporting information is that everything reporting should be factual and true, but the information in the letter is not factual and there is no have proof or any form of evidence. I am requesting the following information be removed from my credit report. I am a victim of Identity theft and the police report is attached with the letter listing all the inquires that don't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: NJ

Complaint narrative:
Sir, Could you please help me to address my credit discrepancies and illegal altered of false reports on my credit report by a Company listed as AFNI INC collection agency, they put a derogatory False report on my credit. 


The company AFNI reported on my credit that i owed them a loan, and that the loan is connected to XXXX XXXX XXXX XXXX. 

AFNI INC collection agency recorded on my credit reports that i stopped payment of my XXXX XXXX XXXX bill in XXXX, 2020. This is absolutely false!, ( I dont use XXXX XXXX XXXX  ). I stopped using XXXX XXXX XXXX XXXX over 2 years ago and i did not owe XXXX XXXX XXXX any outstanding payment. I called XXXX XXXX XXXX office to verify and confirm Cooked up by AFNI but XXXX XXXX XXXX official told me my account is closed. No debt! No outstanding payment! 

So why? Who gave them permission to my credit? 

Sir, Your help will be highly appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: AE

Complaint narrative:
A year after moving ( XXXX ), I was contacted via telephone by Transworld Systems. The representative informed me that they were attempting to collect a debt in the amount of {$130.00} on behalf of XXXX XXXX, my previous energy provider. I explained that I verified with XXXX XXXX before departure that there was no outstanding balance. Further, I informed the Transworld Systems representative that I would contact XXXX XXXX directly, verify this information, and settle any remaining debt if applicable. When I called XXXX XXXX, I was informed that no debt existed and nothing had been sent to a collections agency. At this point, I disregarded the call from Transworld Systems as it appeared to be a scam call. 

In XX/XX/XXXX, I received notice of unpaid debt reported to the credit bureaus. After examination, I realized it was Transworld Systems reporting the debt of {$130.00}. I immediately disputed it as fraudulent as I had already received confirmation that it never existed. It was removed from my credit report. 

In XX/XX/XXXX, I received mail from Transworld Systems acknowledging that I reported my identity being stolen in reference to the debt. Included in the mailed documentation were an identity theft report form and a bill from XXXX XXXX. I did not complete the form as the fraudulent action is not identity theft, but Transworld Systems ' attempt to collect false debt. Further, the bill included as evidence is just a copy of a bill from XXXX, not an overdue/unpaid notice. 

Upon receiving the mailed documents from Transworld Systems, I immediately pursued written confirmation that no original debt existed. XXXX XXXX is now XXXX XXXX. I explained what was occurring and received the following response : " Thank you for contacting XXXX XXXX. We understand your concern regarding this balance and are glad to assist. We have confirmed that the amount of the final bill was covered and that there should not have been a balance to send to a collection agency. Our records indicate that you may contact them directly at the number XXXX to inform them that the payment was processed. We apologize for any inconvenience caused. '' Because I'm at the point of distrust for Transworld Systems, I contacted them through their support e-mail so that I would receive a response in writing acknowledging that no further actions would be taken. It has been weeks and the company has not responded. In reviewing this company, there appear to be a lot of people having the same issue with attempts to collect debt that does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
An auto loan was sought out by XXXX XXXX XXXX XXXX XXXX for a company car. 

During this process it was made unclear, XXXX XXXX was being added to the loan as a person guarantee. 

Communications during the loan process did not lend to the fact an individual would be tied to the company loan. This was inaccurate and misleading.

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 2020-08-08 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: States Recovery Systems, Inc.
State: CA

Complaint narrative:
I moved out of property that was managed by XXXX XXXX   XXXX  XXXX. at address : XXXX XXXX XXXX, XXXX, CA XXXX. On or about the week of XX/XX/2016. My final day at the residence managed by XXXX XXXX XXXX XXXX. I paid the remainder on my lease in full to the employee and dropped of my keys. She mentioned that she could not assist me the moment with a receipt because of new company taking over properties was in the middle of transferring documents to them but assured me that a receipt would be mailed to me at my new address Approx. 190 miles away ( I NEVER RECEIVED ANY RECEIPT IN THE MAIL EVER!!! ). A few month later when I had a chance to go back in person they no longer were in business, last time i checked its now a massage parlor. STATES RECOVERY SYSTEM INC. is incorrectly billing me for monies and debt that I already paid in person to XXXX XXXX   XXXX  and they illegally sold this debt. I have disputed multiple times and currently have another active dispute on XXXX  credit reporting agency. XXXX  has ruled each dispute in favor of RECOVERY SYSTEM INC. without providing any proof to my person.

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

Complaint narrative:
My name is XXXX XXXX and I am writing this letter to request for a dispute to be opened for the following accounts to be removed as they dont belong to me. The following accounts don't belong to me which means they are all fraudulent and are errors on my credit report that needs to be removed. I tried disputing this with XXXX   and they declined to assist me with this issue. My understanding about XXXX  reporting information is that everything reporting should be factual and true, but the information in the letter is not factual and there is no have proof or any form of evidence. I am requesting the following information be removed from my credit report. I am a victim of Identity theft and the police report is attached with the letter listing all the inquires that don't belong to 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 2020-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
My paypal card was absorbed by XXXX XXXX. The card number was stolen somehow. My account is secure but the number was stolen from within paypal. I called within a couple of hours but the number printed on the card does not work. I was unable to report the card as hacked. I called paypal and their phones do not work either. Just a recording that says no one is available to help. I tried to send a secure message but replies for the fraud complaint are being answered by offshore group in XXXX that do not understand any complicated issues explain in english writing. They have no USA staff to support us at either XXXX XXXX or at paypal. I finally managed to get logged online and was able to report the card lost or stolen to get it frozen as the only option. Then I sent paypal the secure message that there are pending fraud charges and they refused to assist the merchants that reached out for help and they refused to help me. They forced through the fraud charges after they were notified about them. They allowed items to be purchased using an address that was NEVER on my account and they won't help me. They pushed through all the fraud charges days after they were notified about the fraud, and they wiped out my paypal account, my cashback rewards, and paypal took the money out of my personal bank account to cover the fraud charges on my credit/debit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-08 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have a loan with WELLS FARGO. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, and WELLS FARGO with no successful resolution. There was definitely an error on their part.

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 2020-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
The company has been offering me help with customer services as credit or loans that i urge to help my family and my little baby coming. My credit some how is just killing me with all fake companies abusing my credit info. I have maybe 2000 screen captures and info from XXXX helping me fight debts i dont even know what happened. I try to get some help getting some stuff but i just feel help less and suffering XXXX XXXX makes this controversial experience of abuse towards me a XXXX. Saturday XX/XX/XXXX. XXXX XXXX  The One who wants to make a change in this world I would love to see from others.

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