vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I am a small business and when we receive a chargeback from credit cards we investigate all claims. 
The first one is regarding American Express ( control # XXXX ). Customer called store and asked for refund for three months on XX/XX/XXXX. Customer was refunded and shows a refund of three months for {$64.00} each on XX/XX/XXXX. The same day the customer disputed the charge through American Express on XX/XX/XXXX. American Express immediately debited my account without seeing in their records this customer was refunded 3 times. After speaking with XXXX ( my credit card processor ) regarding this case ( CHARTS # XXXX ) and American Express case ( XXXX ) they can see this customer XXXX XXXX ( last 4 digits of CC XXXX ) was now refunded 1 extra time ( for a total of 4 ) and there is no way to get the money back to me. Both XXXX and American Express and pointing fingers at each other and won't refund my money. 

My second is in regards to XXXX credit card fraudulently keeping money. Customer stated she cancelled charge and disputed it XX/XX/XXXX. XXXX sent me case ( XXXX XXXX ). I disputed case stating customer used the service. I spoke to customer and she sent me proof that she recognized the charge and withdrew the chargeback XX/XX/XXXX. I sent this addition information and I have still not received the money back for this transaction. XXXX denied the chargeback and customer was charged for this on her account ( CC last 4 digits XXXX ), XXXX is keeping money that is not theirs to keep. 

My third example is outright customer fraud on us. Customer disputed charges to credit card on XX/XX/XXXX for a charge that occurred XX/XX/XXXX. The vantiv charts # XXXX. Customer stated reason was " cancelation of reoccurring transaction ''. I faxed signed credit card receipt and said there is no cancellation, customer came in and received service and used her credit card for the service. I included prior months of signed credit card receipts ( that customer did not dispute ) showing signatures matched. Credit card company sided with customer even though we had signed receipts, XXXX XXXX proof transaction was valid, and her description of the incident as " cancellation '' did not make sense. XXXX told us to file a complaint with the police department. In this case the customer just disputed to get free services

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Equitable Acceptance Corp
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX in XXXX California told me on XX/XX/XXXX that they could help me Resolve my student loan by a debt forgiveness program. I found out just a few months ago here at the end of XX/XX/XXXX that they went out of business, I soon investigated and found it they did nothing for me, they didn't consolidate my loans, zero time was served, I'm in more debt now than I ever was before and now this company that calls itself Equitable Acceptance from Minnesota, is now taking my money and doing nothing! they told me that they would find another entity to take over the program but when student financial help center had it they did absolutely nothing all they did was put my loan into forgiveness which I could have did myself, now Equitable Acceptance wants money from me every month to do absolutely nothing for me, I've been ripped off and scammed! How do I stop these people I never signed a contract with them I thought I was going through student financial help center, which I found out did absolutely nothing but sell my information to Equitable Acceptance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Exeter Finance, LLC.
State: PA

Complaint narrative:
XXXX has XXXX XXXX XXXX on my credit file and I don't owe or had any loan or debt with this company and have nor ever received any letter or nothing from this XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BB&T CORPORATION
State: AL

Complaint narrative:
The Directors of XXXX XXXX XXXX XXXX XXXX XXXX XXXX took our Account from USDA and refinanced it with BB & T Bank XXXX, Alabama. The Articles of Incorporation state that notice is to be mailed out to the members of the Cooperative and the members are to vote at the Annual Meeting or Special Meeting. Notice was not mailed out and we, the members were not asked to vote. On Monday XX/XX/18 I took the articles of Incorporation to the XXXX Office, and they faxed them to the XXXX Office. I have had no response from this and I know they were suppose to provide the minutes from the meeting showing the members had voted to change this loan.

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 2018-02-14 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax is reporting XXXX XXXX # XXXX on my credit file as being late on XX/XX/2016. However Im an authorized user on that account which is in my wifes name XXXX XXXX, we pulled her Equifax file and the same XXXX XXXX account on her file is not reporting late payment on XX/XX/2016. Obviously you cant have the same account reporting different information on 2 different credit file. I have enclosed a page of my wifes account reporting correctly on her file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR

Complaint narrative:
On XX/XX/XXXX I purchased 4 tickets via the XXXX XXXX website from XXXX to the XXXX XXXX for our XX/XX/XXXX vacation, we flew from XXXX Oregon thru XXXX XXXX to XXXX where we arrived at XXXX instead of XXXX due to aircraft delays. We took our family and stayed at the airport since our XXXX XXXX flight was supposed to leave to the XXXX side of the XXXX XXXX at XXXX. When we tried to find XXXX XXXX much to our dismay it had gone bankrupt without telling anyone the month before and we had to purchase tickets to XXXX via XXXX XXXX  for {$880.00} the last minute price. When we returned from our vacation we contacted USAA and filled a disputed claim where USAA opened a claim, usaa then withdrew the claim saying we did not want to continue it and the time had elapsed and to contact XXXX XXXX, XXXX XXXX statement to the public which we made usaa aware of says to take this up with the bank or credit card company. That email was on XX/XX/XXXX ... we are now trying yet again on XX/XX/XXXX via phone because they have locked the ability to dispute these transactions. We have provided USAA with local news in Hawaii showing that the airline had closed and there is no longer XXXX XXXX website. We did not receive services and and being penalized for the date I purchased airline tickets. Below is the new article with the statement from XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-14 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: Professional Credit Analysts of MN, Inc.
State: FL

Complaint narrative:
A fraudulent purchase was made in my name, on or about XX/XX/XXXX, from a company called XXXX XXXX, XXXX. The charge was sent to a collection agency, XXXX XXXX XXXX XXXX   XXXX, XXXX, MN XXXX. 
On about XX/XX/XXXX I was notified of a change to my credit report, advising of a lien. 

I have never received an Invoice, Statement or notice of Lien from the Vendor or their Agent. 
The sale was made to a party in XXXX XXXX, FL, and not to me personally. 
The collection Agencies have not responded, nor has the collection Agency. 
This is adversely effecting my Credit Score. 

I notified all 3 Credit Agencies and the FTC of the discrepancy, as well as the Collection Agency. No action taken by them.

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 2018-02-14 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: FL

Complaint narrative:
A fraudulent purchase was made in my name, on or about XX/XX/XXXX, from a company called XXXX XXXX, XXXX. The charge was sent to a collection agency, XXXX XXXX XXXX XXXX   XXXX, XXXX, MN XXXX. 
On about XX/XX/XXXX I was notified of a change to my credit report, advising of a lien. 

I have never received an Invoice, Statement or notice of Lien from the Vendor or their Agent. 
The sale was made to a party in XXXX XXXX, FL, and not to me personally. 
The collection Agencies have not responded, nor has the collection Agency. 
This is adversely effecting my Credit Score.

I notified all 3 Credit Agencies and the FTC of the discrepancy, as well as the Collection Agency. No action taken by them.

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 2018-02-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
i purchsed a XXXX XXXX on XX/XX/XXXX for {$350.00} order # XXXX ; on XX/XX/XXXX i purchased a printer for XXXX order # XXXX. I made total payments of {$730.00} however after paying this amount I was sent a bill for {$4300.00} on XX/XX/XXXX.in the 14 page detailed bill they are trying to charge me for motherboards, ink, photo cartiridges adapters, minicards ; the list goes on and on. 
At the time of the purchase I was employed by XXXX XXXX XXXX and bought it through the employee discount program they had with XXXX XXXX, but after receving the bill I discovered that they were charging me for all the items that the Computer Dept purchased at that time period. I tried to explain to XXXX XXXX XXXX but they all they keep saying is that They Bought the Debt on XX/XX/XXXX, which I told them they did not investigate the debt before they bought it and had they, they would have seen it was in error. 
I offered a settlement to them for {$500.00} which I felt was reasonable for the delinquncies ; but they refuse to accept and remove it from my credit report which is ruining my credit rating This company in my opinion is a predatory collector

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-14 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Have been attempting to unsuccessfully get the following negative items deleted from my credit report as I believe them to have been added to my credit report not in compliance with current Consumer Protection laws Chase Mortgage account included in bankruptcy reported on XXXX   Chapter XXXX bankruptcy filing on XXXX, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have placed a security freeze on my account. I needed to verify my identity but was unable to because Experian had not lifted my freeze. I have called experian 5x now- have talked to multiple supervisors, upload documents. and my account still has the freeze in place. I have asked experian to lift all freezes/holds so that they are not holding up verification but have not been able to achieve success.

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 2018-02-14 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
CHEXSYSTEMS,, I do not have a contract with them and no obligation to perform, they have no proof of anything and are rico-racketeering criminals, they are reporting deformatory information on me and for what reason,? have i ever received a bill? 
from who?, who ever sent me a varified complaint of a wrong doing? 
dont send me your statements, a statement doesnt prove anything, and who you are and what you do is no concern of mine unless theres a contract, so what the XXXX are these criminals doing? why theyre in the business of EXTORTION and trickery and word semantics, they are CRIMINALS, so what wrong have i done to them? show it to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FactorTrust, Inc.
State: CO

Complaint narrative:
I have a security freeze on my XXXX credit report that did not carry over when XXXX acquired Factor Trust. I submitted the required documents to Factor Trust according to their website and request form. The request form states that I can submit items from two categories. SSN card, paystub with ssn and XXXX from one category and then driver 's license, utility bill with name and address and pay stub with address. I submitted a utility bill and XXXX. I received a message from XXXX who states they refuse to accept my XXXX because it does not have my ssn. I printed my XXXX directly from my work website which is at the bottom of the XXXX and my name is on the XXXX. I told her my paystubs or XXXX does not have a SSN. I have been a victim of identify theft before and they want me to fax my ssn over a unsecured line when their form states they will take the XXXX without ssn. I told her I already gave a utility bill, I could give a paystub and else to put the freeze on. And she still refused. It is common sense that I have proved my identity and she is requiring something not on the company form.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I took out a loan with Bank of America. They called Bank Americard the credit card division and got the payoff amount on an open credit card. On XX/XX/XXXX Bank Americard posted a payment for XXXX to my account. This was the amount provided as a payoff amount through the end of XX/XX/XXXX. In XX/XX/XXXX, I received a bill in the mail for additional interest in the amount of {$250.00}. The bill indicated it was for the period XX/XX/XXXX-XX/XX/XXXX. It stated the balances subject to Interest Rate were : {$6800.00} at 14.24 % and {$14000.00} at $ 14.24 %. I do not disagree with owing additional interest. However, I performed the calculations to compute the daily rate and found that they computed interest on a 31 day cycle ( XX/XX/XXXX-XX/XX/XXXX ) rather than a 21 day cycle ( through the payment date on XX/XX/XXXX ). They state I owe {$250.00}. That would be the amount for interest at 31 days. At 21 days the amount is {$170.00}. I called the Customer Service line and was first told the balance subject to interest was not the amount subject to interest. Then they insisted the charge was correct. Then they put me on hold for over ten minutes to compute the rate outside of the computer and disconnected me. I called back and spoke with another representative. They simply insist their calculations are correct. I asked to speak with someone who could actually go through the calculations again with me and was told the amounts are right and there is no one I can speak with. I told them that I am questioning whether they overcharge every person who pays of their credit card.

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 2018-02-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I got an email from XXXX  XXXX saying I spent {$350.00} on MENS clothing and had it sent to some state Ive never been to. Called XXXX XXXX support and they told me it was fixed and took away all charges.. then now, a couple months later Im still getting bills from them for this problem and Im trying to resolve it using XXXX and it remains. Im not paying for things I did not purchase and thought they resolved months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Integrated Recovery Services
State: WI

Complaint narrative:
i received a call from a woman named XXXX at my place of work, idicating this was a final attempt to contact me about docket number XXXX. im not sure what this is for. i have not rec 'd anything in the mail nor my personal phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH

Complaint narrative:
repeated phone calls from XXXX, XXXX, XXXX XXXX? calling regards to a debt that was paid in XX/XX/2017. I verified that the debt is indeed gone. They know my full social security number. When I questioned them stated will file a federal warrant for my arrest and that I have to go to court in XXXX County where I live ... ....

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 2018-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Despite the fact that I filed for bankruptcy, XXXX XXXX XXXX is contacting my relatives in an attempt to collect on a debt that has already been discharged in Chapter XXXX bankruptcy

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 2018-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
PayPal, XXXX, XXXX XX/XX/XXXX : I sold a handbag on XXXX for a total of {$410.00}. 
XX/XX/XXXX : PayPal received {$410.00} that Icouldnt actually access. I refunded the buyer {$31.00} because she didnt want to pay sales tax and then I refunded the remainder of the money and sell the bag to someone else. I had already paid for and printed the shipping label. I canceled the order on XXXX, refunded the buyer via PayPal ( as instructed ), and voided the shipping label. 

XX/XX/XXXX : I woke up to realize my XXXX XXXX checking account was overdrawn. They were VERY QUICK to take money FROM ME to cover the refund but they STILL HAVENT released the original payment amount to me! XXXX XXXX debited my account to cover the transaction ( meaning I dont have any funds to pay any of my bills ) but PayPal still shows everything as Pending! 

XX/XX/XXXX : XXXX XXXX charged me a {$35.00} overdraft fee for the transaction. So the took my money and charged me a fee within a day yet somehow the transaction is STILL NOT COMPLETE. Why am I the last one to receive access to payments TO ME!? 

XXXX XXXX has also recently started rejecting automatic online bill payments then charging a {$35.00} Return Item fee. I originally turned off overdraft services to avoid the {$35.00} Overdraft Fee but was told I was still being charged multiple overdraft fees because they still authorize transactions like car payments. So by the time I got used to that ( I.e. theyd already gotten a few fees from me ), they started REJECTING those same transactions that would have resulted in additional Overdraft fees AND charged a {$35.00} Return Item Fee! Dishonest and a manipulation of customer expectations!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Hard inquiry in my credit report from : Syncb/walmrt on multiples days as XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX. 

Also from XXXX XXXX on multiples days as XX/XX/XXXX * XX/XX/XXXX * XXXX XXXX, XXXX * XX/XX/XXXX. 

And last but not less important from XXXX XXXX XXXX, XXXX XXXX, multiples days as XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX. 

I have not authorized any of these companies to run my credit with the intentions for approval of a credit card, marketing or any kind of this matter.

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