vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC
State: CA

Complaint narrative:
Dispute Over Inquiries on XXXX Credit Report- Unauthorized AccessI contend that all of the inquiries made by DYNAMIC RECOVER SOLUTIONS, XXXX XXXX XXXX, XXXX SC XXXX, on XX/XX/XXXX, on my XXXX Credit Report are unauthorized and must be removed. The Credit reporting is inaccurate, incomplete and unauthorized. I did not give my consent to access my credit report. 

Background Identification BreachOn or about XX/XX/XXXX, I had my gym bag and contents in a locker stolen and compromised. At the time I believed that my identification had been in my purse in my car, however, this was not the case. From that date on I obtained replacement identification without knowing that I had a right to file the information with the credit reporting entities. Since XX/XX/XXXX, up through and including XX/XX/XXXX, I find that an individual in XXXX XXXX XXXX, California, may be compromising my identity. 

During these times I have found that my internet email has been inordinately littered with requests for credit card loan and merchant credit card offerings, which may or may not be normal these days, but seem unusual and suspect. 

Any internet inquiries into my credit, if any, were unauthorized by me. 

Demand to Remove Unauthorized InquiriesMy review of a recent XXXX credit report indicates that items, from XX/XX/XXXX, up through and including XX/XX/XXXX, stated above, constitute unauthorized and unlawfully accessed information in violation of state and federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Risecredit, LLC
State: WI

Complaint narrative:
They were suppose to put {$190.00} in my account, instead they took XXXX out. Its been a week, the conferenced call my and it has been XXXX days and they ca n't tell me when they will put the money back in. When I told them I was going to report them they said that they will note it. Now they are going to charge me interest on something I do n't have. They say they will cover my nsf fees, but that does n't help the stress of explaining to my creditors what happened. This has been a very XXXX situation and they do n't care.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
I received a notification from a credit monitoring company that Central Credit Service had placed an account into collections. I did not receive a dunning letter from the company. This company took away the right from me to get a debt validation done.

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 2017-02-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
In 2014, I had a car loan through Hyundai Motor Finance. I had an accident in the vehicle which was a total loss. My insurance took car of the balanced owed, but upon reviewing my credit report HMF is claiming I still owe them.

Company response to consumer: Closed
Consumer complaint received 2015-08-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CREDIGY USA CORP.
State: FL

Complaint narrative:
I am an XXXX service member who recently applied for a home loan. When I received my credit report from my loan officer, I noticed there was a collection account listed from a company called NCEP , LLC. Reporting date was XXXX saying the original creditor was a company called XXXX with an account open date of XXXX have never done any business with a company called XXXX or NCEP , LLC so this debt needs to be verified ASAP. I sent XXXX letters, via XXXX to the address listed for NV. XXXX letter was return to sender, and the other, I was never contacted back. 30 days go by, I still have no information on this debt, however I realized that on my credit report the account number XXXX was the same listed for a XXXX XXXX XXXX account that was listed as charged off w/ a balance of XXXX XXXX acct XXXX is an account of mine, HOWEVER this account IS being paid on and should NOT be listed as charged off. I have been paying on this account through a XXXX party agency called XXXX XXXX. I contacted XXXX XXXX XXXX to get more information, they were not able to provide me with any information or any type of documentation of my debt/account, its status and what they 've done with my account/ and or payments. I was never contacted about a charge off/ and or a hand-off to another company. I made contact with NCEP , LLC who was very stern with me when I was just trying to get information and to come up with a solution. The clerk on the phone would not provide me with any information about the hand off from XXXX XXXX XXXX to shoppers to now NCEP. I told him that the information being reported was incorrect and that I am currently paying on the account through XXXX XXXX, and have documentation to prove such. He said that even with that documentation it would n't suffice in updating my balance, saying that they have had the account for some time now and it shows no activity. I got off the phone with this clerk because he was rude and overwhelming. I submitted this same statement throught XXXX and received a response of " Please be advised that NCEP , LLC ( " NCEP '' ) is the owner of the subject XXXX XXXX XXXX XXXX XXXX XXXX credit card ( account number ending in XXXX ). Since acquiring the account in XX/XX/XXXX NCEP has received XXXX ( XXXX ) {$68.00} payments for a total of {$470.00}, with the last payment being made on or about XX/XX/XXXX. Since that time, no payments have been received by NCEP. NCEP respects our military members and, as a courtesy to the consumer, will agree to permanently close the account and cease all collection efforts. " However I am not satisfied with this response because {$1500.00} is still un accounted for. what they are reporting is not accurate and I have proof of XXXX cleared payments of XXXX {$.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Settlement process and costs — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Client is a non-borrowing spouse on a reverse mortgage. The XXXX spouse died on XXXX XXXX, XXXX. Upon husband 's death Financial Freedom contacted non-borrowing spouse and advised that in order for her to remain in the home, non-borrowing was to provide a tolling agreement and several other documents XXXX death certificate and marriage license XXXX to Financial Freedom. XXXX XXXX spouse sent the tolling agreement to Financial Freedom by XXXX, tracking number XXXX. This tracking number shows that the documents were received by Financial Freedom on XXXX XXXX, XXXX at XXXX. Moreover, on XXXX XXXX, XXXX non Borrowing emailed the required documents to XXXX XXXX at XXXXXXXXXXXX. On XXXX XXXX, XXXX XXXX XXXX confirmed that he had received the documents by sending a text message to Non-Borrowing Spouse. Non-Borrowing Spouse has since heard nothing from Financial Freedom or XXXX XXXX. On XXXX XXXX, XXXX we called Financial Freedom and were told that none of the documents submitted by XXXX XXXX Spouse have been received and that it XXXX take " a while '' for the documents to be uploaded to their system. Financial Freedom sees to disregard the time element of due and payable due to the death of the borrowing spouse and ignores the fact that the non-borrowing spouse has XXXX says to submit her documents to Financial Freedom as required by HUD. Financial Freedom 's delay is causing harm to the Non Borrowing Spouse and is prejudicial to her ability to remain in her homestead.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
I feel that Paypal has deceived me about their service because of 1 ) very limited, contradictory and poor information on their website. 2 ) customer service agents who stonewall, repeat provably incorrect information and contradict each other 3 ) repeated failures to respond or follow up with a response 4 ) claims that you can access your money by following various steps only to discover the money is still " on hold. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-20 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc.
State: PA

Complaint narrative:
I 've had a Google Waller account for some time. Earlier today, I received an email that stated my account was put on hold due to suspicious transactions I had placed. After a long phone call, Google decided to close my account, which I believe is unjustified. All the transactions that took place were made by me ( and only me ) and I was n't given an opportunity to appeal the decision. As a XXXX service that I trust, I want my account reinstated after proving no transactions were unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
I was contacted by I.C. Systems about a year ago, they called my cell phone repeatedly until I picked up. They asked me to confirm my information, to which I asked who they were. All they said was I.C Systems, I said " OK. And who are you? '' They told me they needed me to confirm my address, after multiple attempts I got fed up, and gave in to giving them my address. They told me that I owed them money from a previous doctors bill. I asked them to verify the information they were talking about. They could n't. They just told me that I owed them money from a doctors office. I told them they needed to send me information on this, to which they responded " We sent out a letter yesterday, we need you to make a payment. '' I told them I was n't making a payment to them without any information. They told me the letter was in the mail, to which I replied " ok, when I get the letter in the mail and review it, I 'll call you back. '' They called me again and again, same song and dance, telling me I owed them money and I needed to pay it. I told them I never received any paper work form them. They got very nasty with me and told me that it was sent out and that I needed to make a payment. I told them I would review the paperwork when I received it, and I would call them back. They kept calling, and I did n't pick up. It 's now a year later and I still have not received anything from them in the mail, even after confirming my address with them. 

This is harassment. They are non-stop calling, have n't sent me any information, they do n't confirm that they are a collection company or that they are collecting a debt and are very nasty. I have no problem paying my debt, but it wo n't be before I have any written information. This is now destroying my credit, because it 's been on there for a year, and I have n't received anything in the mail. I really hope that you can do something about this company because they have tons of bad reviews and do n't seem very reputable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I was completing a purchase using Ebay. I tried to pay using my PayPal balance as I usually do and was asked for verification information. Upon completing the verification process and accepting the terms of service ( which I mistakenly thought were updated terms for using PayPal ) I was told that I had opened a {$5500.00} line of credit with PayPal. I did not want this and promptly called and closed the line of credit. This same thing happened to a friend, so it seems clear to me that they are trying to trick people into opening lines of credit. I am very frustrated and thankful that I caught the mistake. Unfortunately the application and line of credit will be reflected on my credit by credit monitoring agencies for years to come. I have no doubt that this will have a negative impact on my ability to pull credit when I actually intend to do so. 
I understand there is nothing to do regarding this case, but I would like to file a complaint with the hopes of encouraging PayPal to change its ways. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 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: NY

Complaint narrative:
I have received phone calls from I.C. System. I explained to them plenty of times that they have the wrong person. They asked me to verify my personal information which I responded with a " NO ''. I also said unless they tell me the nature of the debt I will not disclose any personal information. Now I see I.C. System on my credit report with a address I never lived at my entire life. Which is XXXX XXXX XXXX XXXX, XXXX, Ny. I never lived there in my life. I want this debt and address removed from my credit report immediately.

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 2017-04-07 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Turning Point Solutions LLC
State: MI

Complaint narrative:
I received a call from XXXX ( XXXX ) on behalf of GS Holdings. XXXX told me that my mother had outstanding debt from a hospital visit from XX/XX/2010 that was sold to GS Holdings. XXXX said GS Holdings would take my mother to court is she did n't pay the debt. I requested proof. I was sent an email from XXXX which contained the last ( XXXX ) of her social, the name of the hospital she received care from in XX/XX/2010 and the " original account '' number from the hospital. After some pressure applied from the XXXX agent ( said the court filing could be filed as early as the next day, in which case she would be taken to court ), I payed {$760.00}, after negotiating the price down from {$1300.00}. I received a receipt after the payment. Everything appeared in order. Several days later I called the hospital billing department. I spoke to the hospital representative and asked if there was archived account from the account number given to me by XXXX. Nothing. I then gave my mothers full name. Nothing. The hospital had no record of an outstanding debt. I called GS Holdings at XXXX. The person on the other end seemed surprised I called. There first question they asked after I called is who told you to call here. I told them that I was concerned about the charge and that I would like some sort of documentation that proved my mother was in fact in debt and they owned it. They provided nothing and only redirected me to there director of compliance who was not available. Ok. I left my name and number. The director of compliance, XXXX, called me back and had a very vague explanation for why my mother was charged. He stated that I had called the wrong people at the hospital and that I should call again for the info. At this point I told him that I was going to start a fraud dispute with my bank to dispute the charge. He immediately responded that refund the money. I called my bank and let them know. They told me to wait ( 15 ) days, as merchants have ( 15 ) days to refund the money after a dispute before they get involved. I 'm giving them ( 15 ) days. However, I feel that they should be investigated for suspicious activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Google Compare Credit Cards Inc.
State: CT

Complaint narrative:
I filed a dispute for non-receipt of product/service for a purchase made today, XX/XX/XXXX, in the amount of XXXX. The transaction ID is XXXX, email is XXXXXXXXXXXX. This appears to be some sort of scam as the person ( s ) who received the funds do not reply to direct messages via XXXX and or email, a video was ordered and not received. The person ( s ) no longer reply to direct messages as well as emails, they were reported to XXXX as spam/scammer. I advised Google Wallet, the service used to send the funds and dispute was filed. However, due to past experience with this company, Google Wallet, they do little if anything to resolve disputes. I previously filed a debit card dispute for a deposit in the amount of XXXX left with a XXXX dealership and had to go to merchant directly, filed several complaints, before merchant agreed to refund. Google Wallet did nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I opened a Paypal account about 4-5 months, As part of the screening process, I was asked for all my contact, personal and bank information. after my account was approved, Paypal restricted access to my account, pending a review. Again they asked for my info, which was provided and my access was restored. On or About XX/XX/XXXX, Paypal again restricted my account, this time there is a large amount of money in the account. When I asked them why my account was restricted they refuse to tell me, nor will they provide any information as to why my account can not be used. Paypal sent an email stating that they were reviewing the account and to provide the info again, then refused to accept the information. Once again Paypal was called, and the agent was asking questions about what was purchased, where the money was transferred from, and why I purchased a Paypal cash card, their official product and for what it was used for. Again, they are asking all these questions without providing any answers as to why my account is restricted and they are keeping my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-24 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: SC

Complaint narrative:
The amount owed was posted twice within a 30 day period. 
I only owe them {$160.00} dollars. They posted a collection with XXXX on XXXX/XXXX/15 and then again on XXXX/XXXX/15.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: TOWNE MORTGAGE COMPANY
State: WA

Complaint narrative:
We have a mortgage on our home which has been sold multiple times to different lenders. Because the property in question is a condo, it requires hazard insurance. I provided proof of insurance to the company through the US mail, as well as through their web portal -- I even requested an acknowledgement that it had been received. The company did not acknowledge receipt of proof of insurance. I received a letter today stating they were purchasing insurance for the property, and that I would be responsible to pay for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
my car that i purchased off the showroom floor in XX/XX/XXXX went to chevy heaven in XX/XX/XXXX.in those years there were many life incidents that occured where i went from a XXXX score.I needed a car for this new job, and acted hastily on because of my poor credit.well, the job was too far away and with living expenses and car payment, this new venture was not worth it.i contacted the " credit acceptance '' corporation many times for help.i begged them to lower my car payment and offered a XXXX payment for car. they were rude and just kept telling me " your loan is what it is ''. i have paid off XXXX vehicles in my years!! i came into financial hardship and this company would NOT help me.now i have a judgement!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
PayPal Credit ( dba BillMeLater ) refuses to post refund from XXXX to my account in a timely manner, claiming it take XXXX weeks to process. They further refuse to provide on-line access so that I can check on the status without using their call centers. They are continuing to apply late fees and interest to an item that was refunded and close the account. I believe that this company is engaged in deceptive and fraudulent practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
This concerns PayPal. I ordered a 1 year subscription to XXXX magazine {$64.00}. After waiting almost 3 months and not receiving a singe issue, I contacted PayPal to initiate a dispute. They sent me an email that the matter was resolved with the seller. I contacted PayPal that this is an error and that I had not received the magazine. They got back to me within a day telling me I had canceled the dispute and that there was nothing they could do? 
HELP! This is a SCAM! XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-17 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Paypal credit services and XXXX XXXX have done XXXX ( XXXX ) hard inquiries on my credit reports that I did not authorize. I have written letters to both companies and contacted both via mail and fax. Neither one will remove my hard credit inquiries even though I never applied for credit with them.

Company response to consumer: Closed with explanation