vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-11 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: WA

Complaint narrative:
I pulled a copy of my credit report, and discovered an accurate reporting from Ford Credit. The account number is listed as XXXX. Date opened : XX/XX/XXXX. Balanced owed : {$1200.00}. 
I contacted Ford Credit disputing the item and they sent me a form letter back stating that they did not have verification that I was not the person in question. I have also disputed this with the credit bureaus, and it comes back as verified. 
The account was opened on XX/XX/XXXX, and I was not of legal credit borrowing age until XX/XX/XXXX. My name is XXXX, and my credit report has alias names listed as " XXXX ''. Notice that the XXXX in XXXX is inaccurate, and the middle name is completely different. 
My credit report also lists my social security number as ending in XXXX, but has " social security number variations '' listed as ending in XXXX and XXXX. The ONLY social security number I have ends in XXXX. 
Not only is this a closed account listing on my credit report, but there is also a judgement listed against me for the same account through XXXX County. 

I would greatly appreciate that this company remove this information from my credit reports, as it belongs to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Gatestone & Co. International Inc.
State: CA

Complaint narrative:
Gate stone collection agency is contact a neighbor in a mobile home park where I live, asking invasive questions about me and stating they are calling regarding a debt. In addition calling my ex wife as well as my ex sister in law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A.
State: NC

Complaint narrative:
My family was a victim of Flagstar Banks mortgage servicing tactics. Our initial modification application took 20 months to process. I recently learned that there was a settlement made with people in our situation and I had no knowledge and was not included in this settlement. My belief is that they sold our loan right before they made this settlement to avoid responsibility.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Mandarich Law Group, LLP
State: WA

Complaint narrative:
In XX/XX/XXXX I took out a XXXX credit card in the amount of {$6000.00} I got behind in my payment due to financial hardship in XX/XX/XXXX. I was not able to keep up the payments I was contacted by a collection agency and agreeded to a settlement amount of XXXX, XXXX. I made payment arrangments to pay off debit. In XX/XX/XXXX I was contacted by Mandarich Law Group XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX they issued a Writ of Garnishment for my wages the claim I owe {$8800.00} from XX/XX/XXXX through XX/XX/XXXX they took {$420.00} per pay check bi-weekly. I rersearch the Writ of Garnishment it was dismissed in XX/XX/XXXX due to failure to disclose debit. I contacted several attorney they told me to make arrangements with them. The collection agency wants me to sign a contract with set up fees for more than XXXX at XXXX % interest. I contacted XXXX the debit was sold they have no record of my settlement with the collection agency bu acorrding to them they can continue to sell of my debit. I am trying to get monies to again pay off this debit but my fear is that it will only be sold to another collection agency. I have become ill from trying to reslove this matter and so much time has gone by I am having trouble located the necessary paper work to fight anymore. No person should have to experience this my wages are continued Garnished by a document that was dismissed each attorney I talk with says make payment arrangement that are not in my best interest I am just feeling hopeless and financially abused. I have paid XXXX on this debit and no one has a record. The Writ of Garnishment was from the XXXX XXXX and was dismissed on XX/XX/XXXX and I was never served anymore papers or I would have went to court and disputed. What do I do?

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 2015-09-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Trident Asset Management, L.L.C.
State: VA

Complaint narrative:
A company called Trident Asset Management contacted me to collect a debt on behalf of XXXX. They informed me that I owed {$190.00}, they gave me a reference number to use on their website, and informed me that I had to pay it on their website, Tridentasset.com. Before paying, I called XXXX to verify that this was accurate. Not only was it NOT accurate, they had never heard of Trident Asset Management and the account had NOT been turned over to them. This Trident Asset Management company also shows up on my credit report as owing them a debt. It is adversely effecting my credit score and I need it removed immediately. Do not pay these people, and be sure to do your due diligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-02 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
I disputed this as soon as I was notified and sent in documents and it is still in dipuste 3 years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
I was contacted to return my leased car early to take advantage of current discounts. The sales associate was not forth-coming with the monthly payments when asked ; he did not work out an estimated cost to give me an idea what the vehicle would cost me per month. He removes your plates and cleans out your old car but you have n't spoken to the finance manager. He hides the actual monthly payments from buyer, beating around the bush by saying " I 'm getting all the discounts possible '' ; he makes you wait until near the close of business ( by then you 've been there for about XXXX frustrated and only wanting to leave ) then ushers you in to see finance manager who then dissuades you that more down payment wo n't make a difference in the monthly payment and wo n't put off his paperwork or asks your associate to get a better price for you. Because of this lack of respect for customer 's need vehicles are being repossessed ruining lives because customer feels as if they do n't have an option but to take what is being offered to them. Even though I told the sales associate what I would like to pay. I signed the contract because I thought I could not get back the vehicle I was trading in too early. I 'm a single parent with XXXX kids that I needed to get to school XXXX miles away from home. I felt scammed and lied to now I 'm being sued by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02 00:00:00
Product: Other financial service — Refund anticipation check
Issue: Excessive fees — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
wells fargo bank mortgages, forced home owners insurance, stole funds from my acount lotts of excesive charges, set up a acount that idnt no about the bank said it was a funds holding acount, the bank held onto a co signed insurance cheque for damage i had repaired, the bank sent XXXX large checks from my escrow acount to my insurance company that was already paid then sent the returned cheques to a holding acount then put me inforclosure with no missed paymants acount in credit fraud and perjury committed by wells fargo bank crooks

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 2015-06-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service
State: AK

Complaint narrative:
On XXXX/XXXX/15 I paid XXXX XXXX XXXX for an old military debt on my AAFES STAR Card for the amount of {$3700.00}. I had a garnishment on my paycheck prior to that and on XX/XX/XXXX {$500.00} was garnished, and again on XX/XX/XXXX my pay was garnished for {$240.00}. I have contacted XXXX XXXX XXXX for the overpayment and have still not received my overpayment refund and can not get an answer to when and if it will be refunded. I also contacted the Military AAFES Star card and the balances between the collection agency and the debtor do not match. XXXX has been very hard to deal with and the XXXX XXXX put me on hold for an hour when I requested a manager. I 'm very frustrated with the XXXX agencies and would like for them to contact each other, figure out my overpayment, and refund me immediately, I have paystubs that can verify the garnishment as well as the wire transfer from my bank when I paid the debt off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I was almost victimized by a company because they made the assumption that I would be a regular user of their services. Many, ( especially web sites ) businesses use this underhanded tactic to steal money from unsuspecting people. I think that something should be done to stop these companies from preying on people. I used the services of XXXX one time in XXXX of this year and I paid them {$19.00} for their services. They turned around and charged me for a month 's fee in XXXX, ( {$22.00} in XXXX ( the same day ), however, I used PayPal, and somehow PayPal neglected to pay them any more money until XXXX XXXX. 
I called them as soon as I realized that they had done this and demanded a refund of at least the XXXX XXXX payment and they did so. This should not be allowed to happen. At the risk of offending someone reading this, I feel I must say that this is the reason why XXXX XXXX has gathered so much support in this country. Many of our business leaders think that things like this are a good way of doing business. The charges should be posted in such a manner as to leave no doubt in the consumer 's mind as to what hey are consenting to. The consumer should be given the choice at the time of purchase of whether or not to have a recurring bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I am a victim of identity theft and noticed a collection from IC SYSTEM. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against IC SYSTEM in regards to this matter. The FTC also instructed me to complete an id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
Due to the economic downturn of the housing bubble, I lost my job, unable to find work due to the economic collapse. Therefore, my wife was working and we tried desperately to re-modify my loan with Flagstar Bank. Flagstar Bank refused to re-modify my loan, resulting in my foreclosure. I also hired a real estate consultant to help me try to shortsale and fax the documents to Flagstar Bank, but nothing was ever done by Flagstar Bank. I feel as though I am a victim, that the house was sold from under me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I sold XXXX items on eBay and the items were successfully mail with tracking and received by the buyers, PayPal placed my funds on hold for 21 business days to make sure there were no conflict with me and the buyer. My funds then were released more that a week ago and I moved a portion to my savings account with my credit union. A few days from today, PayPal placed a restriction on the remaining funds in my PayPal.com account and has provided an erroneous reason why my funds are being held and why my account blocked. I called and email PayPal customer service and they simple told my PayPal no longed want me to use their service but they are unwilling to give my my money back also. PayPal want me to give them my passport copy, my state id copy, plus back statements and I refuse to give them this information because PayPal already have my social security alone with other information about me and how I look like. I feel PayPal is practicing abusive behavior and manipulating users in order to hold their funds in PayPal rather than the user moving the funds to their banking institution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: I.C. System, Inc.

Complaint narrative:
I received a letter from I.C. Systems on XXXX/XXXX/16. My bankruptcy was filed on XX/XX/2016 and discharged on XX/XX/2016. I called spoke with Rep at I.C. made them aware of the bankruptcy provide attorney name and number. Fast forward to XXXX/XXXX/16 I was preapproved for an XXXX from XXXX XXXX XXXX was due to pickup on XX/XX/XXXX. On that morning I received a credit update from XXXX XXXX making me aware my score had dropped by over XXXX points. It was I.C. Systems and XXXX XXXX XXXX. I called the company to see why this happened and although my account notes notated that I called to report the bankruptcy. They proceeded to attempt to collect the debt anyway. I lost the vehicle due to the damage done 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 2016-11-01 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
I used Ebay as a selling tool to sell my used XXXX XXXX XXXX XXXX or XXXX driver headlight. The buy contacted me on several occasions and received all necessary information about the product via Ebay messages. My final message to the buyer included the part number and to ensure that the item fits his vehicle prior to buying it as i did not want any returns. I clearly stated that in the listing. Buyer proceeded and purchased the item from me 3 days later {$330.00} ). In addition to this purchase, buyer bought XXXX additional headlight ( {$30.00} ) from me that was in broken condition and was sold for parts only. Upon receiving the items, buy requested a return and stated that item does n't fit and the part # is not what he wanted. I advised that there are no returns. Buyer opened a return with Ebay and Ebay agreed with me ( seller ). The buyer however, is not realizing that he purchased both items from me and was opening the return for the {$30.00} headlight but wanted refund for the {$330.00} item. Then buyer stated that the item was damaged. I immediately contacted XXXX and filed a claim. XXXX examined the package and found that there was no damage and buyer falsely reported the claim. The buyer turned around and opened a case with Paypal which was used to pay for the product. I provided all my messages to paypal from ebay and from XXXX that the buyer was attempting to scam me and XXXX. Paypal reviewed the claim and contradicted all the evidence and allowed the return to the buyer without a valid cause. PayPal was used to transfer the money only and the initial agreement of purchase is held with Ebay. If ebay is deciding against the buyer, PayPal can not make their own decisions and contradict Ebay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-21 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: RI

Complaint narrative:
I used Ebay to buy an item. I never received and email seller. Item never shipped per XXXX. I called them to confirm. Seller stated item came back to him damaged but never wrote me. By the time I wrote him I had to buy item locally. I submitted a complaint via their site weeks ago to PayPal. I called after some time passed and was told I would be refunded on XXXX. Never happened. I tried calling twice - both XXXX and XXXX - and sat listening to a recording looop over and over telling me to go to their site for " claims '' The Claims portion of the site tells you NO INFO. the text is tiny and is basically a run around. PayPal states " they have your back '' and seem not too. All they have to do is call XXXX or track the ship # the shipper gave. It NEVER LEFT the building. It never was returned " damaged ''. My money is in limbo for over a month. 

Thank you, XXXX Transaction Details XXXX XXXX Payment Sent ( Unique Transaction ID # XXXX ) Shopping Cart Contents Qty Item Options Price XXXX XXXX XXXX XXXX XXXX XXXX '' XXXX XXXX '' With XXXX ( Price Is For Pair ) Item # XXXX {$15.00} XXXX Amount {$15.00} XXXX Order Description : Shopping Cart Item Total : {$15.00} XXXX Sales Tax : Shipping : {$6.00} XXXX Seller discount or charges : {$0.00} USD Total amount : - {$22.00} XXXX Fee amount : {$0.00} XXXX Net amount : - {$22.00} XXXX Date : XXXX XXXX, 2016 Time : XXXX XXXX Status : Completed Shipping Address : I took this out for complaint transfer to CFPB! 
United States Confirmed Help Payment To : XXXX XXXX XXXX The recipient of this payment is Verified ) Seller 's ID : phin-rich Seller 's Email : XXXXXXXXXXXX XXXX Type : PayPal Funds Funding Source : {$22.00} XXXX - PayPal Account Tracking Number : XXXX Help Carrier : XXXX Order Status : Shipped ( XXXX XXXX, 2016 )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A.
State: MN

Complaint narrative:
illegal foreclosure

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
I bank with Wells Fargo and I live in the state of Oklahoma. I am unable to close a CD account unless I go into a branch which is over XXXX miles away. My CD account auto-renewed against my personal wishes. 

I want to close it. I can not go into a branch because the nearest one is over XXXX miles away. 

I can not close it over the phone as per company policy ( I am required to go into a branch ). 

I can retrieve the paperwork to close the account online ( and can close it by mailing in the paperwork ), however, I must know the account number which Wells Fargo can not give over the phone. The only way to retrieve the account number is by going into a branch, which is over XXXX miles away. 

I would like to close the account without needing to go into a branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc.
State: IL

Complaint narrative:
Earlier this month, I received notification from my credit monitoring service that my credit report had changed. Knowing that I had n't filed for any new credit, I was immediately concerned about this. I checked my notifications only to see a account late notice on my report for a debt. I have no idea what this late notice corresponds to and I am not behind in my bills. I have not received an notification from the company regarding this alleged debt that I owe. My scores have dropped over XXXXpts, to XXXX, due to this alleged debt. This is utterly unacceptable!

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
Consumer complaint received 2015-08-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc
State: RI

Complaint narrative:
I had formerly used a service called Bill Me Later, as a " secure '' payment method for online purchases. I would then pay for purchases immediately, which is our practice. At some point, that service became PayPal Credit. I made a first purchase and was unknowingly signed up for a new credit line ( they do not make that clear ) ; the new method of payment for services was more complicated, as it morphed from simple secure payments to a scheme to collect additional funds from its users. They had my form of payment ( normal credit card, which had always been used to pay Bill Me Later ) and I never thought about it again until I received phone calls from PayPal looking for payment for purchases I made 8 months ago and two months ago. I did receive a couple of emails from PayPal in XXXX, 2015, but disregarded them, as I thought it was advertising. After receiving the " collection '' phone call, I immediately contacted PayPal and discussed this situation and voiced my displeasure. They had applied numerous late fees and interest to my account. I wanted to pay my bill and they agreed to eliminate the late fees, but insisted that I pay the interest charges. I do not think I should have to do so, as a result of that company 's deceptive practices. We never asked for a credit line, nor did we want one, but we may have signed up for one unwittingly when they changed from Bill Me Later to PayPal Credit, thinking we had to re-register. I have NOT paid my bill until this issue is finally resolved.

Company response to consumer: Closed with explanation