vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: GA

Complaint narrative:
The account that is being disputed is a duplicate account. The account that is being reported has been paid in full when previously owned by a different creditor ( XXXX XXXX XXXX ) in XX/XX/2014. 
The account being reported contains inaccurate balances, inaccurate dates, and an inaccurate reporting history. I. C. Systems has made no effort to validate the accuracy of the information they are providing.

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 2019-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX   breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2019-12-30 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: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I submitted a complaint about Wells Fargo not reporting my payments to the credit bureaus at all and they still continue to refuse to report my payments causing me credit problems.my credit report does not reflect that I have a mortgage loan at all.

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 2019-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have XXXX set up with Bank of America. On XX/XX/19, I went on XXXX to search for tickets to a XXXX basketball game for my wife and cousins that were in town. Someone said if I used XXXX to transfer from money for the tickets, they would send them through XXXX. 

I sent {$220.00} from my Bank of America app using XXXX. The seller then stopped responding to me and blocked my number, I never received the tickets. The email I sent it to with XXXX was XXXX. I tried to call Bank of America and they said that since its a third party app, they can not do anything about it and that its my fault. I thought they since it was offered through THEIR app, there would be some sort of protection with it. She repeated there is nothing I can do about the matter. I called XXXX, and they said they can not do anything and to call my bank. The confirmation number through Bank of America was XXXX.

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 2019-12-30 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I started a {$1000.00} dispute with American Express back in XX/XX/XXXX, reference number ( XXXX ). The dispute was about a painting job done at my house from XXXX XXXX. The reason I tried to dispute part of the payment was that XXXX XXXX didnt do a good job, and they ignored my texts, calls, and emails when I requested them to come and fix their mistakes. I tried to dispute with AMEX, but the dispute was rejected 3 times for 3 different reasons!!! 

Ive provided AMEX all the documents and proof they needed, but they kept rejecting my dispute without trying to understand that I have received bad service. There is no consistency about how they handled the dispute since AMEX kept providing me weird reasons why they rejected my dispute. The dispute department have done a horrible job, but AMEX don't allow me to talk to anyone that works in the dispute department. AMEX also ignored my complaint on CFPB ( Complaint ID XXXX ) about how poorly they have been handling my dispute, they didn't provide any response in terms of the dispute and closed by complaint. Instead of trying to help, AMEX just delayed the whole process for more than 6 months. 

I am filing a complaint about American Express because this company has been falsely claiming on its website that they " promise to understand, respect and back our customers ''. This company is actually trying to trick its customers by saying it will protect the customers ' interest, but ended up rejecting their dispute when customers reach out, and then charge interest on the disputed amount. As a loyal customer with AMEX since XXXX, I have been very disappointed with this company, especially when they are making promises they can not keep and trick the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I bought a product in XXXX from a merchant in XXXX and paid XXXX {$160.00} using PayPal on XX/XX/XXXX. I was charged USD {$130.00} at the exchange rate of 1.2754 CAD. 
The merchant did not have the item in stock and refunded me XXXX {$160.00} on XX/XX/XXXX. PayPal refunded me USD {$120.00} at the exchange rate of $ XXXX. I reviewed the currency exchange rates from XX/XX/XXXX to XX/XX/XXXX and there was no change in exchange rates like this. 

PayPal charged currency conversion fees on payment to seller and also on my refunds, resulting in me losing >4 % of the transaction. I contacted PayPal on XX/XX/XXXX but they mentioned the fees can not be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
i called today and was put on hold endlessly as i did yesterday in the last week i charged XXXX dollars or so XXXX XXXX i was overcharged. they were supposed to adjust price and did not please dispute XXXX  dollars which represents how i was overcharged wrong prices they are not following policy i am a good customer and cant wait on hold forever i should get soemthing for my time. i told reps i could not hold thanks. 
They are with heavy accents hard to understand did not understand me please dispute XXXX dollars from XXXX XXXX charge

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-30 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I purchased a car from a car dealership on XX/XX/2019. I financed the car through XXXX XXXX XXXX  for the loan. I received a title in the mail in XXXX from the DMV showing 2 liens listed on the title - mine ( XXXX XXXX ) and bank of America. I contacted the dealership several times and was told this would be taken care of and check with the DMV in 2 weeks. Over the past few months I have contacted the DMV several times and they do not have a lien release for bank of America. The dealership is now ignoring me and stated they are no longer owned by previous owner and cant help and bank of America says they cant help me because its not my account and the account is still " active ''. The dealership should have paid off any lien with the funds XXXX XXXX sent them for the car and the title should only show XXXX XXXX as the lien holder. I am stuck with a car right now with 2 liens and don't know who the other belongs to. I was never told about any previous liens when I purchased this car and chose to purchase through a dealership to avoid situations such as this. I feel as though this is fraud.

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 2019-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlantic Recovery Solutions LLC
State: PA

Complaint narrative:
XX/XX/2019 I got a call and a voicemail from Atlantic Recovery Solutions,  specifically a woman who identified herself as XXXX XXXX. Before I was able to call her back, she had called my wife, my mother-in-law, my sister-in-law, and my father. My wife called me and told me that XXXX XXXX had asked her to verify my information to give information about the reason for her call. I called XXXX XXXX back at the number provided to my wife. XXXX XXXX told me that she is managing an account originating with XXXX XXXX. I told XXXX XXXX about details and she became irate. I asked XXXX XXXX why shes asking my wife for information and giving my wife information. XXXX XXXX told me that there was an account in collections that was paid for a year and then it stopped. I asked her for details and what account funds were paid from. She said that she would report the recording to her client and they can decide how they want to proceed and hung up on me. I called XXXX XXXX because she identified them as a creditor. They said that they are unable to find an account and this seems like a scam. XXXX  rep XXXX told me to report the interaction.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
On XX/XX/2019 I received a email notice that my Credit Score had a change and to review for accuracy. When I looked a XXXX, XXXX and XXXX, I saw that a debt collection had been added to my file causing my credit score to drop from 750 's to XXXX. 

When I reviewed the issue it appears that the debt collector is Phoenix Financial Services and is a medical bill. Of note, I have NEVER received any notices, bills, demand statements, calls, texts or emails regarding this issue. 

I sent an email to Phoenix Financial Services requesting documentation as to the validity of this debt, to which they have not responded. 

Should this be my debt, I have always maintained health insurance which would have surely notified me of any outstanding non-payment of services. 

I have excellent credit and pay all my bills ... this irresponsible gesture has hurt my credit report with no communication whatsoever from this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX   breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2019-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
On XX/XX/XXXX I was sent a payoff quote until XX/XX/XXXX of {$140000.00} by Ditech Ditech was paid XX/XX/XXXX Mortgage in the amount of XXXX on XX/XX/XXXX. 
On XX/XX/XXXX, I closed on the sale of my home. 
At the closing on XX/XX/XXXX, I was required to pay Per diem of 3- 10 days@XXXX/ per day. 
On XX/XX/XXXX Ditech was notified via fax regarding refund of overpayment and requested when would refund would be received On XX/XX/XXXX my principal balance per Ditech intranet website reflected {$140000.00} On XX/XX/XXXX, Ditech responded they still note my account to be active and I required to pay my mortgage amount of {$750.00} on XX/XX/XXXX payment The attached correspondence was sent, and I have yet to hear back from Ditech XX/XX/XXXX, the new servicer XXXX XXXX contacted me that would now be servicing my loan with a new mortgage company and that my payment was required to be sent to them. I notified them that my home was sold on XX/XX/XXXX and that the required per diem and XX/XX/XXXX mortgage was paid to Ditech. 
To date XX/XX/XXXX I have not received notification from Ditech regarding my refund of overpayment, Ditech has not notified the new mortgage company of the loan being paid. 

In close, the new scam with bankers is selling mortgages to other companies. I have made it a practice to do ALL correspondence with Ditech in writing and record all calls to them, based on their mishandling of my funds over the years and no help from the CFPB. So now you are involved know the story what are you going to do? Nothing as usual or actually advocate for the consumer which is what I thought your company was created for Ill wait to see! 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I have tried on several occasions to contact Navient about problems that I either have with how they have handled my payments, fixing issues with my back account information, them taking multiple payments from my account, or taking extremely long times, such as 14 days to process payment from debit card payments from payments made over the phone, only to get dropped from queue or to get the run around. I have been kept on hold for 45 minutes, only to not have any of my issues resolved with them. They do not make the repayment process easy at all. Not to mention, I have been paying on a XXXX dollar loan for 10 years, only to have the balance just now be at XXXX dollars! It only takes 5 years to pay off a car! Navient are loan sharks and crooks!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Performant Financial Corporation
State: GA

Complaint narrative:
The Premiere Credit company contact me about a month ago out of the blue for a debt that was 20 years old. They bought the debt from XXXX XXXX, which was a student loan debt. My first issue with this is that, the debt is 20 years old.The second issue is that they are charging me a total principle of {$580.00} for a $ 20 year old bill. I do not have a problem of paying the initial bill, but what I do have is a problem with them trying to charge me a principle for it. For years I have had poor credit and no one has come at me for any bills owed. Now that I have gotten my credit rate up high and paying my bills like I suppose to -- it seems like everyone is coming out of the shadows to try to collect money from me with threats of put it on my credit report to mess up all the hard work I have do to get my credit to where I want it to be and to stay. I am tired of debt collectors passing my information around and using scare tactics to collect money from me because of my credit and payment history being excellent. I feel that is unfair to me because I am trying to be an responsible person with my credit and payments, now it seems like it is a constant fight to maintain it because of creditors constantly come after me. I have already paid off many debts from collection agency coming after me but when does it stop? I don't mind paying what I owe, if I owe, but using scare tactics such as this Premiere did is unacceptable and adding on a principle to a 20 year old bill that I was never contacted about previously is also unacceptable. Why aren't there any laws to protect consumers, but so many laws to allow collection agency right to collect debt even after 20 years, this is unfair to the consumers because it  appears that no one wants to see a XXXX man with good credit. When does the vicious cycle end? The debt amount is {$880.00}, and they are adding on a principle of {$580.00}.

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 2019-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

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 2019-12-30 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: NJ

Complaint narrative:
I submitted a dispute with Equifax regarding an incorrect account listed on my account. The incorrect account balance is NOT listed on any other credit agency. The dispute comes back as verified by XXXX  XXXX XXXX ( the creditor ). I have never had nor have any credit card with XXXX. Furthermore, when the collection agency calls me to pay the debt, I give them my birthday, and they clearly state that it is not my debt. 

The confirmation number for my dispute is : XXXX I called XXXX  XXXX XXXX, and they state I do not have nor had a credit card account with them. After, I ask them why the verified the dispute, they claim they would not know without a 16 digit account number. The account numbers provided by Equifax in the dispute is only 12 digits, therefore, XXXX is unable to look it up. Even still, they state they can not help. 

This has been affecting my credit score. This is impacting my ability to get a mortgage because it drastically impacts my credit score. Neither Equifax, nor XXXX is willing to assist me. It's unfathomable that I have to be stuck in the middle trying to figure out this mess, while only I am detrimentally impacted by the negligence of these two companies. I am in limbo here, without any answers. It's disconcerting that these two companies do not have to answer to anyone for such XXXX  negligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Due to an information breach with Credit Bureau, my credit file was locked. In attempting to unlock my file, I was told that my answers to security questions were incorrect. However, I am a victim of identity theft since 2010. A police report was filed and an affidavit affirming that my social security number was used in an attempt to file for a tax refund and obtain a home loan. There is also a flexible spending account listed in my credit file that I have no knowledge of. 

How do I get my credit file information corrected and unlocked?

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