milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-09-2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (MA).
Issue: Money was not available when promised

Complaint: I bought a ticket to an event at the XXXX XXXX festival that happened in XXXX NY in XXXX XXXX, 2015. Here is the event description XXXX I found out I was not going to be able to attend the event and I identified a woman ( friend of my father ) in NY who was interested in purchasing my ticket. We agreed on a price of {$45.00}, and that she would pay me via paypal. I sent her the ticket ( address in NY ) once I saw that she had submitted the money transfer. However in the subject line of the payment, she said, payment for ticket to XXXX, XXXX ( name of the event ) and now paypal is holding the money pending an XXXX investigation?? She has provided the website for the event and explanation that the transaction has no involvement with anyone in XXXX or any good coming from XXXX. This would seem to be a mistake that could easily be cleared up, but the payment was submitted on XXXX XXXX, 2015 and paypal still has n't released the payment to me. They will not give me a timeline for when the investigation will be complete or if they can simply not process the transaction and return the money to the sender. I do n't believe they should be able to hold my money indefinitely. This guilty by 'word association ' is bordering on ridiculous.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/23/2016 about Debt collection (Medical) with AR Resources, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I wrote a letter to the debt collector AR Resources , Inc. requesting information on the debt they say I owe. I received a letter from them and attached was a generic invoice indicating I owe {$630.00}. It was not from the Hospital and they did not answer any of the questions I asked.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX contacted me 2 times on 2 different numbers XX/XX/XXXX trying to collect a debt. Called them back XX/XX/XXXX and explained i did not receive a debt validation notice from them. Continued to ask about personal information and how i would like to handle this debt. I told them they were in violation of FDCPA and not to call me any further. XXXX XXXX XXXX number calling me.. Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-06-2017 about Vehicle loan or lease (Loan) with TOYOTA MOTOR CREDIT CORPORATION (CA).
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint: when I purchase this car I bought extra coverage in case of damage to the car from XXXX Toyota called Guaranteed Auto Protection ( GAP ) program from Toyota Financial Services. According to my loan contract ( attached ) no other insurance is required. Also my auto loan is with Toyota Financial Services. On XXXX I has a collision which my car was totaled and the police officer at the seen suggested I put the car in impound. I contacted Toyota financial and the told me they 're going to have the car towed to the nearest dealership, I also contacted the Toyota GAP to file claim and they told me the the Toyota financial services loss department has to file the claim. I also contacted my insurance and they denied the claim since it was my fault. I received a letter requesting my insurance information from Toyota and I fax it to them with police report. It took over 8 months for the account to go to loss department. I contacted the loss department and I told them that I have GAP ins and they told me loss department has to file the claim they told they would. Every time I called the Toyota GAP they told me and transferred me to Toyota loss department and would n't help me. I was transferred so many times between the department and I did n't receive any request for document except the intitial insurance information. I waited 5 months when I called Toyota loss department they told me that Toyota GAP has denied the claim and that my file is empty and they have nothing to provide Toyota GAP. Also they did n't know why Toyota gap denied claim. I called Toyota GAP and they transferred again to Toyota loss dept. and they transfer my to Toyota recovery and they told me that the account has gone to collection and they wont take calls from me that whatever question I have to call the collection department. The collection would n't help me I called so many times Toyota GAP till I got the letter enclosed the requested item from Toyota GAP to pay the claim and I see that Toyota loss department could have provided all of these items and I have them too with the exception of the " lienholder/lesser report '' in lieu of the repair estimate. I need this form to have the claim paid. I want this file reopen and all of item on the Toyota gap request to be sent to them to have claim paid and writ off to be removed from the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Consumer Loan (Installment loan) with LYON SERVICES CORPORATION (VA).
Issue: Shopping for a loan or lease

Complaint: I was recently shopping for a pool loan and was referred to Lyon Financial by the pool contractor. I am a mortgage lender so I already knew my credit score and debt ratios before I started to call and get quotes. When I spoke to XXXX XXXX at Lyon I told her my score and was quoted 10.99 % for a 12 year loan and she directed me to the website to apply. After I applied I was notified the next day that I was approved but the rate was 12.99 %. When I asked why I was told due to my credit score. I then asked what my score was and it was exactly what I said when I asked for the quote. All I was told was that she was sorry but there was nothing that could be done. She asked why I was so concerned about a {$37.00} difference in payment. This was a typical bait and switch. I was not quoted a range, I was quoted an EXACT rate with that score. Now I have a credit inquiry that I would have never have done if I was quoted correctly at the beginning. Being that I am a mortgage lender, I just cant stand the fact that unfair lending practices still exist and I would appreciate if the CFBP looked into this.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have set up the payment to have the company have the the first payment come out the ACCOUNT ON THE XX/XX/XXXX. THE LAST ONE XX/XX/XXXX. THE ARE KEEP CALLING MY NUMBER AT XXXX, MY GRANDMOTHER HOUSE AT XXXX LOOKING FOR MY FATHER AT XXXX XXXX WHO IS NOT ON THE CREDIT CARD. I ASK THEM NOT TO CALL HIM BECAUSE I AM AWAY AT SCHOOL. PLEASE HAVE THIS COMPANY TO STOP CALLING WHEN THE PAYMENT IS SET -UP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Date XX/XX/XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Date XX/XX/XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Date XX/XX/XXXXXXXX XXXX, MD XXXX ( XXXX ) XXXX Date XX/XX/XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I went online and requested a call back from a car salesman. He then called me back asked me if it was okay to do a " SOFT '' credit check to see what I may be looking at when I do apply for a new car. Before I know it the sales person ran my credit with all these different banks without my consent and he never called me back with any information.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Debt collection (Medical) with Medical Data Systems, Inc. (MA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I called XXXX XXXX hospital, financial department and could not reach assistance to verify the correct number for medical data systems. I have reached out to them twice via email with no response. I want to pay a debt of it is truly mine but can not reach a person to help me research this bill.

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 03/16/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Making/receiving payments, sending money

Complaint: I set up a personal checking account with a bank XX/XX/XXXX. I had been " taken '' by a scam artist who wired money into my account, but later, after the account was " purged '' the bank produced an actual check made out to me and had supposedly my endorsement on the back. After the bank and I realized I had been " taken '' the manager informed me that I would n't be responsible for the loss but to make sure that this never happens again.I gave the manager as much detailed information about the man, along with contact information, as I could. I was instructed to file a police report, which I did online and received a case number. THIS IS MY COMPLAINT. XX/XX/XXXX, I went to open an account with another bank and I was declined. I requested a report from ChexSystems, which is who they verify possible new customers information with, and I see that I am on ChexSystems for SUSPECTED FRAUD ACTIVITY, Closure Status : UNPAID Original Charge Off Amount : $ XXX.XX with the bank that I had the issue with the scam artist. This is frustrating because I was told not to " worry about it, just file a police report ''. ( XXXX XXXX PD. XXXX, is the case number ) Well, now I 'm having to " worry about it ''. When I attempt to call their customer service line, I am on hold indefinitely. Luckily, I have an account opened with another bank, which I had opened before this mess, but I should not be in ChexSystems since this was a case of Fraud Activity and the account was purged. I do not have a history of doing such acts. This must be resolved.

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 08-07-2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Customer service / Customer relations

Complaint: I called customer service at XXXX at the number of XXXX on the phone with the Rep asking for the number of a cell benefits insurance. On the phone for XXXX mins XXXX sec The rep did n't know of the benefit and transferred me to another rep. The other Rep did n't know anything I ended the call and Tried The phone number of XXXX. The Rep XXXX tried to verify my account Verify about my name, my address, a car loan, how much I was paying for this. Then asking me for my password on the account. The Rep before was able to verify that password the first time I called. XXXX said my password did n't match and could not help. He transfer me to XXXX who was a SUP. Asked all the Same questions then told me she could n't verify the account as well. Then Then transferred me to a manager XXXX XXXX also told me she could n't help. XXXX started fighting with me that she could not help. She kept pulling me on hold for long times of XXXX mins. Then hung up on me. I was on the phone for XXXX and XXXX XXXX. I then called back at XXXX I talked to XXXX in FL she told me she was able to verify my account and change the password. I told her I wanted to be compensate for the bad customer service after being on the phone with her and her talking to her manager after verifying my account and changing the password on it. The manager XXXX told me she was not able to verify and would not help me. after being on the phone again for XXXX mins. 
Desired OutcomeI would like to be compensated for the XXXX mins of wasted time. How customer service tried me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (KY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: 2008, {$5800.00} filed an illegal lien on house

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have reached out to this company to validate debt and they have yet to validate. I am requesting valid documentation as well as my signature to alleged debt

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 07-05-2017 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (MD).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I moved from an apartment complex at which I had lived for about 15 years. I gave the complex more than 30 days notice. They contend that I needed to give them 60 days notice but could not produce an updated signed lease that stated that a 60 day notice was required. The complex says I owe more than 30 days rent, even though I have the required 30 days notice and the apartment was rented soon after I departed. The complex then sent the file to a collections agency called FCO ( www.fco.com ). I have asked FCO to send me validation/verification of the debt. A couple of times they sent me something illegible ; another time they sent me a lease that I had not signed. <P/>The have reported the collection account to my credit report and it is affecting my credit and lowering my score.

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 03/21/2017 about Credit reporting () with Paragon Credit Services (AZ).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I have been harassed, threatened, intimidated, disrespected, and have endured fraud by Paragon Credit Repair Services. 2 years ago I paid to have my credit repaired and they stopped working on my account after a few months, and told me that they could n't do anything else. My credit never improved, in fact it got worse. The company has a money back guarantee if you are not satisfied. They charged me thousands of dollars for credit repair that never occurred. I refuse to pay any more money to this corrupt business that lies to consumers. The owner of this company is a fraud and abuses his authority to blackmail customers into believing his threats. This organization needs to do an investigation into this company that is fraudulently duping people into believing that they can fix one 's credit ; which they ca n't and they do n't. I am asking from relief from this corrupt organization. Per FCRA and per the company 's money back guarantee I 'm asking that the thousands of dollars I 've already paid in fees be returned to me immediately. 

PARAGON 'S CREDIT REPAIR GUARANTEE Our team of certified credit coaches, dedicated processors and legal experts have an average of 15 years of experience in the field of credit repair. We have worked diligently to provide our clients with exclusive industry first software, the best dedicated processing and legal team in the industry, and access to the best positive trade lines available anywhere. 


" We are so confident in our ability to execute on your behalf that we ask you to pay only AFTER we have completed each phase of work. Our exclusive pay per deletion model means your never get stuck paying a monthly fee without seeing the results first. If we do n't fix it, you do n't pay for it! '' ( XXXX # )

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Student loan (Non-federal student loan) with CITIBANK, N.A. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I had a student loan suddenly appear within the last week on my credit reports from 2007 for 'CitiBank/XXXX ' with a current balance listed at {$18000.00} and a highest balance of {$29000.00}. I have tried contacting numbers for both companies provided online but they only will allow me to go to automated machines with no menu option for a customer service representative. I am looking for verification of this debt including the original loan contract/MPN, an itemization of any interest or fees charged to the account and a loan payoff amount so I can settle the debt if it does in fact exist. If this information ca n't be provided I would like these loans removed from 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 05-01-2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have accounts on my credit report that keeps revolving from the collection agencies that owed the accounts.   They are duplicate accounts, and when asked the collection agencies for a detailed statement of the accounts, they never provide it. They ca n't provide, because its the same account reported twice with the same amount on my credit bureau.   The amounts are the same, there are  XXXX  accounts with the same duplicate account. The date this collection agencies are using its the date they bought the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2017 about Consumer Loan (Vehicle lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (TX).
Issue: Managing the loan or lease

Complaint: GM financial continues to threaten to repossess the vehicle although it paid timely and insurance is properly maintained. I have continued to submit proof to GM financial however, I do receive these letters weekly. I would like GM financial to cease these letters and the harassment. If at all possible, I would like to see they are fined for unfair and deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I have had many problems with Ocwen trying to work with my mortgage. I had a modification on my home in 2010 and it was never done proper. I tried to challenge the amount and got nowhere. So I just took the charge and continued to pay what they said I owed so we would not be homeless. Now, due to increased medical bills I have had some missed payments and late payments, and Ocwen has refused to work with me for over a year. I finally agreed to sell the house, if I could do a principle reduction so I could do a short sale and not be impacted with a huge loss. They notified me last week thru mail that my home is set for auction on XXXX XXXX in foreclosure sale. I explained again, my spouse is a verteran, XXXX, and I work part-time. I am willing to sell the house and start over, but I have no where to go and no money, with such a short notice. Medical bills are constantly increasing even with XXXX. I do n't want to throw all our money away that we have put into the house. They spoke with me on the phone and said I needed a CASH buyer or the house will be sold on XXXX XXXX. I asked them to please work with me for a half- short sale so we can get some relocation money. They said they want the house back first and then they will consider the relocation money. Can you please reach out and ask them to consider a mortgage reduction for a short sale or half short sale with a relocation package. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with St John Rossin & Burr, PLLC (SC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am trying to resolve my past due HOA fees as part of the loan modification process with XXXX. When I contacted my HOA I was informed that my account has been placed with a debt collector attorneys firm. When I contacted the attorneys office they stated I needed to pay them either {$200.00} or {$300.00} just for them to tell me how much I owe them. The more I paid them the faster they would provide the information. I find it difficult to believe that this bullying tactic is even legal. It is certainly NOT ethical.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-10-2017 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: just checked my credit score an found an address that is not mine listed as my new address. on both credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Debt collection (Medical) with Paramount Recovery Systems, L.P. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: It is being paid off and still in the report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 03-09-2017 about Credit card () with TD BANK US HOLDING COMPANY (UT).
Issue: Identity theft / Fraud / Embezzlement

Complaint: TD BANK XXXXTARGET is reporting a Credit Card account XXXX to the credit reporting agencies XXXX , XXXX , and XXXX XXXX I have sent police report # XXXX to TD BANK XXXXTARGET back in XX/XX/2013 that account XXXX listed with them was due to identity theft. They have failed to comply to the FCRA law of removing these accounts. In this police report attached, the officer documented under property report # XXXX, the LOST/STOLEN reported to the officer XXXX of the Target Credit card account and Identity theft. Including a XXXX card and checks stolen and used.

Company response to consumer: Closed with non-monetary relief