vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NM

Complaint narrative:
Hello, On XXXX of XXXX my wife and I contacted the actual company to see if we owed anything and if there was an amount left we were going to get on a payment plan. When calling XXXX and XXXX PA, they said they could not find an account under my name or social security number. It was like I never existed. The attorney I had once worked with in that firm, I was told, no longer works for them anymore. So we asked to be connected to the their collections department even though they were not showing to have an account with them or in collections. When speaking with their collections department ( Transworld Systems ), the same thing took place. They could not find anything anywhere under my name or social security number. So we said everything must be all clear because they were unable to validate it anywhere. Months later in XXXX my wife receives a call from Transworld Systems Inc. that there is a balance of over {$4200.00}. We were so confused because we tried so hard to make sure nothing would end up in collection to harm our credit. That is exactly what happened anyways. This has been haunting my credit ever since and my wife and I are trying to use my VA loan to get a home. I am working with someone in credit repair and I am trying really hard to have this taken off my credit report. The current amount that is showing, that I am aware of, is {$4000.00}. I talked to numerous people at XXXX XXXX XXXX, XXXX and there was nothing that I owed. Covered myself and even called collections to make sure I had nothing, and they had no account for me ... .I do not owe this debt and they can not validate that I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: CA

Complaint narrative:
I've tried on several occasions to obtain an account ledger so I can see the interest/charges added onto my account. I called and spoke with XXXX in XX/XX/XXXX and was told they do not give account ledgers out. I went into the store and sat down with a woman who worked there and she gave me a print out but told me she would get in trouble if her supervisor found out. The interest amounts added to my account seem outrageous. I again requested a copy of my account ledger on XX/XX/XXXXand was informed by XXXX XXXX that they dont give account ledgers out. I asked why I was required to pay my car registration to title max instead of the XXXX when I first signed my documents and he didnt have an answer. They added it to the loan and charged me interest on it. I requested a copy of the loan documents and it was sent but it's for a different amount then the actual loan was for. I'm still looking for my original contract ... ( I recently moved and cant find it right now ). It shows I signed for a totally different amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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:
I had just started my XXXX  year of college and my new friends and I wanted to see a XXXX XXXX concert. Tickets were sold out on XXXX and a friend had told me that she had had really good experiences buying tickets on XXXX. I messaged a few people and one got back to me. I purchased four tickets for {$160.00}, with PayPal fees it amounted to {$160.00} on XX/XX/2019 to XXXX. Shortly after I sent the money, the person selling me the tickets deleted their XXXX account and I was no longer able to message them. I filed a complaint with PayPal outlining the exact altercations and reasons why I would need my money back, but they refused. They claimed that my story was not believable. The tickets that I received were counterfeit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This complaint is in regards to a student loan I have with Wells Fargo. The account number for this loan is XXXX. I obtained this loan back in XXXX or XXXX. I have saved enough money to pay the loan balance in full. The loan balance is {$5900.00}. I have been trying to make a one time pay off but Wells Fargo refuses to accept anything other than minimum payments of $ XXXX/month. On XX/XX/XXXX I made a payment to Wells Fargo for {$5900.00}, confirmation number XXXX. Wells Fargo refuses to provide me with anytype of documentation that the loan is paid off. I was told that the funds would be trasferred to Wells Fargo no later than XX/XX/XXXX yet the money still has not left my bank account. I know the reason Wells Fargo refuses to take my money is because they want another month to pass so that interests accrues on my balance so they can charge me more despite by {$5900.00} payment. 

I have spoken with several bankers with Wells Fargo who refuse to provide me with any type of receipt or documentation for paying off my loan. ( 1 ) XXXX XXXX NMLS ID : XXXX ; ( 2 ) XXXX XXXX NMLS ID : XXXX. I have also spoken with the " branch manager '' of the Wells Fargo located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I spoke with a male over the phone and he refused to identify himself or provide his NMLS. He refused to provide me with anytype of documentation of my loan repayment.

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 2020-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I made a Payment Plan with XXXX XXXX  Collections Department because the account was closed and I wanted to pay me debt off. I am really grateful that they gave me credit. We made an agreement that I would pay {$260.00} every month for 31 months and my debt would be complete and I wouldn't owe any money. They also said that no extra charges including past due balance or interest would be added as long I was still enrolled with the Payment Plan. Today I got an email from the credit bureau saying that there was a change with my XXXX XXXX XXXX Account. I checked and they added {$200.00} to the amount past due balance. Please help me. Thank you and have a great day.

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 2020-07-30 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
About XX/XX/2020, I contacted Capital One about a charge for {$4500.00} on my card which is linked to my XXXX Account. 
The payment was made to a XXXX XXXX, whom I do not know, through my XXXX Account and the transaction ID is : XXXX. The dispute case ID with XXXX is : XXXX. 
XX/XX/2020, Capital One cancelled my credit card and credited the charge of {$4500.00} pending an investigation. 
XX/XX/2020, Capital One issued me a new credit card. 
XX/XX/2020, Capital One sent me two letters that contradict the other : XXXX letter states that the 'fraud investigation is resolved and that I will not be held responsible for fraudulent charges and my {$4500.00} will be refunded to me. ' The other letter contradicts and therefore, advises that Capital One found insufficient evidence of fraud because : activity on the account indicates you opened and interacted with this account. Information we discovered leads us to believe you or another account user benefited from the transactions ... 
About XX/XX/2020, I called Capital One about the conflicting letters printed with the same date of XX/XX/2020. 
I reiterated my dispute of the charge and the customer service representative acknowledged the correspondences mailed to me by Capital One, and she said that 'she could not explain the two letters. ' When I asked to speak to her supervisor, she said that she 'was the only person I would speak with meaning that she was the highest person at Capital One ' -- which I knew was not true. When I told her that I was recording the conversation for my quality assurance, she refused to speak further even as rudely as she had spoken. 
Yet, she told me that I will have to pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: DocuPrep Xpress
State: NC

Complaint narrative:
I signed a contact with DocuPrep Xpress based out of XXXX CA to help reduce my student loan payments. Im having concerns about the company because I'm hearing that they are a scam. Im raising out to the company but no response from them. I have already paid {$190.00} a month since XXXX for their fee of {$990.00}. Now the monthly payments will be {$39.00} a month for the next ten years. Im asking for help to find out if the company is legal or illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: KEYCORP
State: OH

Complaint narrative:
Purchased an item from a company for my car. Once I got the item, I attempted to install said part and found out that the part was the wrong size. The company advertises this part to fit my car and I emailed them before hand to confirm. So either the part was mis-advertised or defected. After going back and forth with the company I bought the part from, for close to a month, trying all their trouble shooting steps ; they told me to return the part. 

I returned the part and they refused to refund the original charge and never returned the part to me. Therefore I no longer have the part, I attempted to fix the issue with the merchant and they still have my money, I disputed the charge with Keybank and they never issued provisional credit within 10 business days and it took close to 2 months for the dispute to be finalized. They never requested additional information from me, which I had plenty of evidence to submit. I finally got a letter saying it was denied and to contact merchant. 

Upon contacting the dispute department with Keybank, the first rep repeated why the dispute was denied in the letter and then when I asked why they didn't take my evidence into consideration, she didn't really give an answer. She then told me to go to small claims court and hung up. 

Covered under Reg Z is consumer protection regarding credit card disputes. Including disputes filed because of damaged and or items not as described. I believe Keybank is in violation of Reg Z.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hi Dear customer service, I received an email from XXXX XXXX that my XXXX XXXX  sent a 30 days late payment to all 3 credit Bureaus. Let me first explain my situation. I closed most of my credit carts about 2 years ago through XXXX XXXX XXXX 's department. Every month I am paying them the amount that creditors agreed with them. During the Covid 19 I was not able to pay the full amount due to my financial hardship. It was the first time that I paid less amount to my credit card companies. However, I have already paid the full amount and make them current. The only bank that didn't remove my late payment is XXXX XXXX. I have already made a disput with all 3 credit bureaus and received an email from them that they are unable to remove the late payment from my history. Today I called to XXXX XXXX  and humbly request them to do something for me and ask them to let me to make a disput with them, but they said they are not able to do anything for me. I told them I have already spoken with their customer service department and explain them I am not able to pay my full amount but the supervisor told me they have never received a call from me. I swear to God I talked with them a month ago and explained them why I can't pay the full amount and they accepted it. Now, they say I have never talked with anybody in their department which is so weird. I humbly request you to understand my situation and do something for me. I have never had any credit problems with any companies before and this late payment really bothers me. Because of the late payment report my credit score dropped by many points and I am really sad that why I was not able to pay the full amount to them. I thought that XXXX  XXXX  will understand my situation and remove my late report because I am sure that this might happened to many people during this Covid 19 pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hi Dear customer service, I received an email from XXXX XXXX that my XXXX XXXX  sent a 30 days late payment to all 3 credit Bureaus. Let me first explain my situation. I closed most of my credit carts about 2 years ago through XXXX XXXX XXXX 's department. Every month I am paying them the amount that creditors agreed with them. During the Covid 19 I was not able to pay the full amount due to my financial hardship. It was the first time that I paid less amount to my credit card companies. However, I have already paid the full amount and make them current. The only bank that didn't remove my late payment is XXXX XXXX. I have already made a disput with all 3 credit bureaus and received an email from them that they are unable to remove the late payment from my history. Today I called to XXXX XXXX  and humbly request them to do something for me and ask them to let me to make a disput with them, but they said they are not able to do anything for me. I told them I have already spoken with their customer service department and explain them I am not able to pay my full amount but the supervisor told me they have never received a call from me. I swear to God I talked with them a month ago and explained them why I can't pay the full amount and they accepted it. Now, they say I have never talked with anybody in their department which is so weird. I humbly request you to understand my situation and do something for me. I have never had any credit problems with any companies before and this late payment really bothers me. Because of the late payment report my credit score dropped by many points and I am really sad that why I was not able to pay the full amount to them. I thought that XXXX XXXX will understand my situation and remove my late report because I am sure that this might happened to many people during this Covid 19 pandemic.

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 2020-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I received Dispute Results Report # XXXX for XX/XX/20 but Partial Account Number XXXX for XXXX XXXX XXXX still is being Reported as a Derogatory Negative Item ... 

I have Evidence that the Account is Fully Paid ... On Time Payments from Experian ... 

They also are Reporting One Late Payment which is Incorrect and Inaccurate ...

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 2020-07-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency. 
I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the Identity Theft Report List of Fraudulent Accounts. I am also requesting to be mailed a new credit report to my address of record above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-30 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax is reporting duplicate creditor files under different names same account numbers. I have written to both creditor and has disputed this 30 days ago. There are multiple accounts. XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX. These are charge office that are reporting a balance updates on XX/XX/20 and XX/XX/20. As well as XXXX and XXXX XXXX XXXX duplicate reporting and are charge offs with a balance update on XX/XX/20 and XX/XX/20.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hi Dear customer service, I received an email from XXXX  XXXX  that my Chase bank sent a 30 days late payment to all 3 credit Bureaus. Let me first explain my situation. I closed most of my credit carts about 2 years ago through XXXX XXXX XXXX 's department. Every month I am paying them the amount that creditors agreed with them. During the Covid 19 I was not able to pay the full amount due to my financial hardship. It was the first time that I paid less amount to my credit card companies. However, I have already paid the full amount and make them current. The only bank that didn't remove my late payment is Chase bank. I have already made a disput with all 3 credit bureaus and received an email from them that they are unable to remove the late payment from my history. Today I called to Chase bank and humbly request them to do something for me and ask them to let me to make a disput with them, but they said they are not able to do anything for me. I told them I have already spoken with their customer service department and explain them I am not able to pay my full amount but the supervisor told me they have never received a call from me. I swear to XXXX I talked with them a month ago and explained them why I can't pay the full amount and they accepted it. Now, they say I have never talked with anybody in their department which is so weird. I humbly request you to understand my situation and do something for me. I have never had any credit problems with any companies before and this late payment really bothers me. Because of the late payment report my credit score dropped by many points and I am really sad that why I was not able to pay the full amount to them. I thought that chase bank will understand my situation and remove my late report because I am sure that this might happened to many people during this Covid 19 pandemic. As you know many people had financial hardship in the last 5 months because they have lost their jobs. I lost my job too, but still I tried to make my payment on time even with less amount. Also, I was taking care of my sick mom and old dad and helping them financially during this hard time, so it was really hard for me to pay the full amount to my credit card companies.You are the only one that can help me in this hard situation, so please do me a favor and ask the Chase bank or 3 credit bureaus to remove my late payment from my credit report. I promise I would never pay less amount to my credit companies. I am really appreciated for your time and sorry to bother you. May God Bless You.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I have been having difficulty attempting to link my account with Pnc to my XXXX XXXX mobile app account. Currently have been unable to link accounts in order to transfer funds. I have discussed issue with pnc rep and still awaiting effective support form XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: General Motors Financial Company, Inc.
State: TN

Complaint narrative:
GM Financial is reporting a much higher balance than what was owed. They apparently sold my vehicle for much less than it was worth, however, i will never actually know what they sold it for because they have, on many occasions refused to send me a complete accounting of what i owe and why. This company is still reporting to the credit bureaus, XXXX, XXXX, and XXXX, a very large amount that i have offered to pay less for but as they have refused several times to send me a complete and accurate accounting of what is owed along with proof of what the car sold for and proof of the tow charges. I would like this large amount removed from my credit because they have refused to send me an itemized accounting or proof of what is owed.

Company response to consumer: Closed with explanation