vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Sometime several years ago I began getting statements from Pay Pal Credit and was shocked since I don't pay via pay pal when I order on Amazon.com. I filed a complaint against Pay Pal Credit and soon realized there had been numerous complaints lodged against the entity by thousands of American citizens and the Federal Gov't sued for opening up credit accounts on people without their permission or knowledge. Pay Pal Credit even accessed my personal credit history without my knowledge. I thought the problem had been rectified, but now as of a few weeks ago, I received a letter from Synchrony Bank stating they are taking over my Pay Pal credit line. The letter states Revised Terms as of XX/XX/2019. I don't even use PP Credit. I have a XXXX and an Amazon Store Card and those are the only cards I use to pay for Amazon purchases as those cards generate points that I can redeem for cash. 

How do I stop this? I don't even know what the account number is other than XXXX. I am afraid that someone phishing could steal my identity and run up a Pay Pal Bill in my name. I've already had my data breached via an online nursing continuing education website and my credit is being monitored by XXXX XXXX services for the next year. After that, I do not know what could happen.

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 2019-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Enterprise Acquisitions
State: MI

Complaint narrative:
I had my automobile repaired @ a collision shop who agreed to provide me a free rental car from a car rental agency, next door, XXXX  XXXX. 
I was asked and did provide Enterprise my Debit Card, SOLELY to pay for any potential damage to the rented vehicle! The car was returned without damage, the collision shop paid the daily rental fee, now Enterprise, without my permission used my Debit Card and is harrasing, threatening me, and has put me into collection for an additional {$170.00}, I never agreed in writing or orally to pay!

Company response to consumer: Untimely response
Consumer complaint received 2019-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc.
State: FL

Complaint narrative:
Choice Recovery ignored my first letter for debt verification. I send a send letter for debt verification in which i received correspondence, however Choice Recovery still failed to validate the debts the allege I owe. Choice Recovery is violating FDCPA and FCRA.

Please see the attached letter sendt to Choice Recovery

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 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: TX

Complaint narrative:
Experian Credit Bureau have the following inaccurate Hard Inquiries on my Credit Report : XXXX XX/XX/XXXX and XXXX XXXX, XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. XXXX and XXXX   have removed this damaging and inaccurate information from my Credit Report. I also contacted CFpb Consumer Protection Bureau for help. Thank you for you help. I am a XXXX XXXX XXXX. This is fradulant information on 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 non-monetary relief
Consumer complaint received 2019-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
I had my automobile repaired at a collision shop after an accident. The collision shop agreed to provide me a free rental vehicle while the car was being repaired from XXXX XXXX located next door to the collision shop! XXXX asked for and I agreed to provide my Debit Card SOLELY if there was any damage done to the vehicle which I drove while the collision shop repaired my vehicle! The rental car was returned WITHOUT ANY DAMAGE, the collision shop paid for the rental but XXXX XXXX charged my Debit Card without my permission! They have now turned me over for collection with Merchant 's & Medical Credit for more than XXXX XXXX wants, {$210.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kimball, Tirey & St. John LLP
State: NV

Complaint narrative:
On XX/XX/2019, I received a letter from Debt Collector ( Kimball, TIrey & St.John LLP ) notifying me- for the first time, and in writing- that they were attempting to collect a debt of {$8400.00} on behalf of a former apartment property. However, the original creditor ( XXXX XXXX ) has committed numerous fraudulent acts in reporting any such outstanding balance. While I was a tenant, I paid my own money out-of-pocket to update and improve the dilapidated condition of the unit ; upon moving out, it was left with amenities that improved the value of the apartment drastically. For reasons unknown, the Manager alleges that there was damage to repair in the unit, even though it was in better shape than when I moved in. The creditor, XXXX and its management/owners, forged this enormous debt of {$8400.00}, in order to avoid returning the 1.5-month security deposit to me, and then they are trying to extort the {$8400.00} debt in addition. It is impossible that even the most minimal cleaning service could have found any damage to that apartment. The original creditor is lying, and I'm personally looking into civil litigation, as to not allow their greed to ruin my credit further. The original creditor lied about the cost to clean the apartment after move out, and they illegally never returned the security deposit. PLEASE, I need assistance desperately. I notified the Debt Collector that the debt is not valid, and the original creditor is in legal hot water, for all of the ills that they intentionally inflicted on me, as an ex-tenant. The callous nature of this situation has no basis, and it has destroyed my ability to obtAIN or find adequate housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 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: DISCOVER BANK
State: NY

Complaint narrative:
Complainant holds an account with the credit card company since XX/XX/XXXX, account in good standing. Account holder called in good faith on XX/XX/XXXX to amend personal information on account to add temporary SSN issued by Government ( complainant is currently pursuing citizenship ). 

Card company proclaimed security risk, held account charging privileges under the description of " security due to SSN change '' - no SSN change. New SSN was issued, it would be in addition to the information under which the account was opened in XX/XX/XXXX ( with alien registration ID number issued by Government ). Said alien registration ID number is still valid and is not changed/modified/invalidated by the temporary issuance of a temporary work only SSN.

Discover refused to re-instate account based upon security risk ( what risk? an SSN is being amended to an existing in good standing account ), and refused to close account at customer request - and refused to note on credit report that closure was explcitly at the request of the customer.

Complaints : 1. Discriminatory practice against immigrants by inferring credit was no longer valid due to immigration status process [ reference ECOA ( 15 U.S.C. 1691 and following ) and Regulation B ( 12 C.F.R. 1002 and following ) ], 2. Denial of proper credit reportage and customer direction to close line of credit and associated reporting at customer request [ reference FCRA 15 USC 1681 and following ]

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 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: SC

Complaint narrative:
Hello, I've mailed in these documents via certified mail, and I'm upload them as well. Please see attached and removed these accounts that I am disputing as they are fraudulent and not opened by me. I've attached the documents required as stated by the representative I've spoke to over the phone, and outlined by the FTC and CFPB 's website. A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Please send me a updated copy of my report to my address on file. At this time I do not wish to place an extended fraud alert on my profile, I would like for the initial fraud alert to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Kashia Services
State: MO

Complaint narrative:
Originally applied for {$5000.00} was approved for {$900.00}. At that time we thought paying {$6000.00} for a {$900.00} loan was insane. So my wife and i decided against it. That was roughly around XX/XX/2019. XXXX XX/XX/2019 we decided to go through with the loan. My wife submitted the application was approved for the {$900.00} provided all information ssid banking etc and after they provided the payment breakdown she e signed the contract. Then they said she had to call a number to finish the process. During this call they re collected all her information then after a few minutes informed her she was now only being approved for {$270.00}. With the exact same payments and cycle as for the {$900.00}. When my wife challenged this discrepancy XXXX the supervisor hung up on her. So now they have all our banking information and personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Enterprise Acquisitions
State: MI

Complaint narrative:
I had my automobile repaired at a collision shop after an accident. The collision shop agreed to provide me a free rental vehicle while the car was being repaired from XXXX XXXX located next door to the collision shop! XXXX asked for and I agreed to provide my Debit Card SOLELY if there was any damage done to the vehicle which I drove while the collision shop repaired my vehicle! The rental car was returned WITHOUT ANY DAMAGE, the collision shop paid for the rental but XXXX XXXX charged my Debit Card without my permission! They have now turned me over for collection with XXXX XXXX XXXX XXXX XXXX for more than XXXX XXXX wants, {$210.00}

Company response to consumer: Untimely response
Consumer complaint received 2019-05-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
XXXX XXXX As we going through the process of our Loan Modification, we have some concerns on the approval of the Lender Investor underwritters. 
We have done some research on the lenders of XXXX  and present and it appears that there is a Fraud, Scandal and corruption committed on XXXX XXXX Loans. 
XXXX XXXX is deceased and she resting in peace in XXXX with our XXXX and XXXX XXXX XXXX. 
Respectfully, We are not in Retaliation against the lenders, but we are very surprise on the unlawful acts of Loan Reps and Lenders that provide it XXXX XXXX Mortgage Loans that was not a Fixed Rate. 
We have given Authorization and Consent of Privacy Release for U.S Senator XXXX XXXX on issues of Lenders and Consumers Financial Protection Agency Investigations. 
We are respectfully requesting that a Federal Investigations will be implemented of the unlawful acts of lender and reps. 
THIS IS A EXTREME URGENT MATTERS!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
There is someone using a secrete private surveillance camera in XXXX county Georgia or some kind of crooked law officer correctional officers watching while I'm at my atm an has someone with the same card I have an used my debit card information an took XXXX dollars off my debit card the first time XXXX dollars an XXXX dollars the date XX/XX/XXXX between 6 or 7 early mourning in XXXX county georgia

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 2019-05-18 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: Paypal Holdings, Inc
State: TN

Complaint narrative:
I had been using PayPal for awhile for my small business. One day they limited my account without warning or explanation. Not only could I not access my funds, but I could not even refund my customers who hade made partial payments towards their purchases. When I contacted PayPal, they claimed I had multiple accounts. I realized after some investigation that I had started one years ago for the sole purpose of making an online purchase. I immediately contacted PayPal again and was then given a completely different reason for closing my account. They claimed I had too many disputes, all 3 of them out of 100 's of transactions, which were resolved without issue. The problem here is that PayPal does not make it known that customers should contact sellers regarding issues. Therefor every buyer automatically opens a dispute regardless. I have top seller ratings on every site, yet banned from PayPal. During my 3rd contact with PayPal, they informed me it was my merchandise that got me banned ( designer fashion bags & accessories ). They claimed there was too much potential for fraud. They also claimed there was another account under my name. I asked if it was also using my social security number, and was told no, " There could be 10 other people with your name '' they said. This made irate! I am in many XXXX buy/sell groups with thousands of members and PayPal is the only allowed form of payment. These folks have no trouble selling their designer merchandise! Obviously, my small business took a massive hit. I finally had to shut down because PayPal refused to release my money ( {$2000.00} ) for 6 months. They literally put me out of business. On top of everything, I lost the ability to use XXXX because they only accept PayPal. I can no longer use my shopping rebate apps, I can no longer work my independent contractor jobs for extra money because they only pay via PayPal. I can't shop many places online because they only accept PayPal. How can this one company take so much away from me in so many aspects of my life? It can not be right. I still haven't recovered from the damage they did my finances and the worst part ... .I still don't know why! I do know I did nothing wrong. Unfortunately PayPal is the ONLY option and this doesn't seem like it should be legal. I really need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 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: AES/PHEAA
State: CA

Complaint narrative:
What school were you attending when you got the loan? 
This question was posed earlier in the form but it only allows you to input one school. I pulled out loans while I was attending the following two schools : -XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX , CA ) -XXXX COLLEGE ( XXXX, MI ) Issue : I started employment at a XXXX   organization ( XXXX XXXX ) on XX/XX/XXXX. This non-profit qualified for the PSLF Program. However, not all of my payments have been attributed to PSLF Program while working at the non-profit. XXXX XXXX acknowledged the error and provided two reasons why this happened : Reason 1 ) Some of her payments were not categorized as PSLF because they were overpayments, and if they are overpayments, they are disqualified as PSLF payments. Payments must be the exact amount due. Two things to fix problem. 
1 ) Turned off notification that disqualifies her payment if it's an overpayment - DONE.

2 ) Request put into accounting to do an audit. Go back through all of the payments made from XX/XX/XXXX ( The XX/XX/XXXX payment will not count because she started working at XXXX XXXX after she made payment for that month ). Identify payments that were overpayments, remove the disqualification status and then marking the payment as PSLF. Case # XXXX. This will take 2-3 months. ( XX/XX/XXXX will mark 6 months from today ) Once its completed, XXXX will send letter in mail. 

Reason 2 ) Not all loans at the time XXXX began employment with XXXX XXXX qualified for PSLF.  It was not until they were consolidated in XX/XX/XXXX that they qualified for PSLF. This is subject to debate because XXXX previously gave XXXX the impression/verbal that all her loans did qualify for PSLF. This may have been a consolidation error. 

We checked on the status of this issue on the following five dates but the phone representatives did have any additional information : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX As of XX/XX/XXXX, we are still awaiting resolution to this issue. Details may be found in the attached XXXX XXXX Event Log. Please note there are two tabs in the spreadsheet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Documents of evidence continuation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
Billed by Monterey Collections {$420.00} OPENED ON CREDIT REPORT XX/XX/XXXX. ( 3 yrs 8 mos ). 

Total billed by XXXX XXXX XXXX on XX/XX/XXXX to me Full balance {$330.00}. 
I payed {$99.00} the day of order, leaving a balance due of {$230.00}. 

I owed {$230.00} NOT {$420.00}. 
Monterey Collections refused this information. They will not budge. I contacted XXXX XXXX XXXX they said it would be taken care of. 

Monterey Collections is argumentative and carry a extreme righteous behavior. I have disputed this with XXXX. I have tried to pay my part of {$230.00} based off my XXXX XXXX XXXX INVOICE. One person is handling this account and will not BUDGE. 
1 DERAGATORY Mark opened on XX/XX/XXXX by MONTEREY COLLECTIONS remains to this date ON my XXXX Credit Report XXXX XXXX {$420.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Google Compare Credit Cards Inc.

Complaint narrative:
I am an XXXX and XXXX  for website XXXX XXXX XXXX. I monetized XXXX XXXX with Google Adsense program, In XXXX I earned {$120.00} which I was paid. Then I worked hard on XXXX XXXX by writing more content to earn more money to support my family, in the month of XXXX and XXXX I earned {$300.00} and {$190.00} respectively. I was supposed to receive my XXXX earning on XX/XX/XXXX but Google disabled my Adsense account on XXXX XXXX just before the payout. Now according to Google terms if they disable the account before the payout they are not entitled to pay any money. So I lost {$300.00} and {$190.00} for XXXX and XXXX. They disabled my account for invalid click for which I am not responsible. I am innocent, I never clicked on my ads or encouraged anyone to do so. I know doing so will ban my account and I will be left with no money. I appealed several times to Google but I always receive an automated response within a few minutes saying they can not reinstate my account. I wrote many emails but received no response, there is no phone support. I was dependent on Adsense  earning, I am a mother with a XXXX-year-old son, I am suffering a lot because of this, please help.

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 2019-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
on XX/XX/2019 I filed a Fraud claim at Wells Fargo - indicating that all transactions with XXXX XXXX XXXX were not authorized - per the contract I signed with them I signed three different times to end the billing authorization. These attempts were not taken seriously. I identified 3 years worth of fraudulant charges with Wells Fargo and XXXX as my foster father was using my funds at his leasure. I reviewed 3 years of banking history and identified the theft of my funds with XXXX XXXX XXXX and XXXX XXXX all whom stated that they filed fraud cases- however they did not. I received multiple letters in the mail indicating that I would receive access to a provisional credit as this was investigated, however this false and never happened. I went to different branches and at the last branch when I was trying to file an additonal fraud claim the bank manager- XXXX instructed me to give her my debit cards- which I did, then she told me she would disable them- she did not. I have not received any provisonal credit after making extensive investigations and claim reports. I was told I would be receieving a check in the mail for the fraud and I have not. All the bankers I met continued to steal from 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