vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-03 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Regional Adjustment Bureau, Incorporated
State: WI

Complaint narrative:
On XXXX/XXXX/17 I obtained a copy of my credit report from XXXX and noticed that XXXX has allowed a collection agency named Regional Adjustment Bureau to insert in and duplicate a debt that is already listed on my credit report with the XXXX. SO now the debt is listed twice! Different amounts different dates! What is happening is that the original company ( XXXX XXXX ) account is near its time of deletion from my report, and they have sold my account to a collection agency in which I have " NO CONTRACT WITH '' and now the debt is listed twice! A clear violation of law! Regional Adjustment Bureau has illegally added this debt to my credit report. Every few months another company buys the debt which now its ( Regional Adjustment Bureau ) reinserts it changes the dates and amounts and list it negatively on my report again. Most recently they have not payment history for the last 2 years but have the debt listed as being open in XXXX and a balance of XXXX as of XX/XX/XXXX. This is NOT true and a total lie in an attempt to ruin my credit. I have NEVER received any correspondence from Reg Adj Bureau and want this removed from my XXXX Credit Report asap! This is against the law. They have violated the FCRA Section XXXX ( a ) ( 3 ) and FDCPA Section 807 ( 8 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I keep getting tire email promotions from Ebay decided to apply for one last evening. When I tried to make the purchase only option I had was to use Paypal. My experience with Paypal is a nightmare since it waste customers valuable time and paypal customer support is extremely poor. As I expected I spent about half hours to make the purchase online and my payment keeps getting rejected and prompting me to call paypal customer support. When I call customer support I had to go through multiple security screening questions with first rep and to my dismay he said he had to transfer me over to another Dept since he ca n't help. Second rep told me I had to add my credit card to make this purchase happen eventhoug I have added XXXX Bank accounts and have made purchases from paypal in the past. After adding my credit card to my dismay second rep told me that I had to go through security screening again. After going though security screening again rep told me that he needs to bring someone else to make this happen and brought third rep on to the phone and he could n't help either. I ca n't make the purchase via paypal. I got extremely frustrated since I was asked to call Vendor to make the purchase since I spend almost 2 hours on the phone and I asked for supervisor. I spoke to supervisor call XXXX and he told me Paypal is doing all the right things and never apologized for wasting my time for 2 hours. This supervisor told me this problem would n't happen again. I called tire vendor and unfortunately he ca n't offer me promotion since promotion is valid only with Paypal and I am back to square one. 
I tried to make purchase again this morning and story is the same eventhough Paypal supervisor promised that it would n't happen again. I kindly request that Paypal approve my transaction right away and offer me {$150.00} credit for all the hassle I had to go through to make this purchase. 

Error : Unfortunately, your payment was declined You can select or add another payment method within PayPal and try again If you get this message more than once, please contact PayPal customer support for further assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Paypal offers a purchase protection. I purchased a new ultrasonic cleaner on eBay and paid with Paypal. The item was dead on arrival. I contacted eBay and they told me I am covered under Paypal 's purchase protection. I checked the policy and I saw that I qualify for protectin under their policy. I called them and they filed a claim. However, they denied my claim. When I called back, they said they need the proof that the item was broken when it arrived. I told them I have the dead item and could send any proof they need ( e.g. the item if they want, a video, etc ). They said they will file a appeal and will tell me what proof to send. However, they have denied it again without specifying what kind of proof they need. It seems like Paypal 's Purchase Protectin is a scam. They keep filing and denying you for no good reason until you give up. In this case, have a dead item that I paid full price for trusting I was covered if things go wrong and now have no recourse. Paypal are not standing behind their promise. 
I expect Paypal to stand behind their Buyer 's Purchase Protection. It states they 'll reimburse for the full purchase price plus any original shipping costs. This is a seller that they have certified and if they are fraudulent they need to deal with directly. I placed this order based on the fact that I would be covered if things go wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
I purchased furniture for my new home in XXXX of XXXX and XXXX of XXXX. I purchased the items with Paypal credit, on a promotion for no interest and no payment for six months ( previously called Bill Me Later ). I received electronic statements each month, all except the month in which the promotions expired. They failed to send me the statement in XXXX that shows that the six month promotional period was ending in the next 30 days and payment would be required to avoid interest. I received the statement on XXXX XXXX, showing that I now owe at least {$300.00} in interest due to the promotions expiring and no payment being made. I contacted them and requested confirmation that they sent my XXXX statement, as I am pretty certain they intentionally failed to send that. They would not provide me any proof that they sent that statement. The rep stated that per the system, they sent it out but she had no way to prove this to me. I am disputing the interest as I would have paid the bill in full immediately had I received a statement for XXXX to avoid any interest. I received an electronic statement every other month since making the purchases. If they never sent the statement I do not believe that I should be help accountable for the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Trident Asset Management, L.L.C.
State: AZ

Complaint narrative:
There is an account for XXXX DVD that has been sent to collections. This account is not mine as I have never ordered anything from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Trident Asset Management, L.L.C.
State: CA

Complaint narrative:
Never received any communication from this company. Not a letter, a phone call or any collection attempts from this company. I learned about them when they showed up as an open collections account on my credit reports. They began collections on an old XXXX charged off account from four years ago or so. It may have been an account that was discharged in my Chapter XXXX bk in 2010 for all I know. They reported this account as a new collection account and have continued to present this debt as a much newer and ongoing collection account. When I attempted to contact the company many months ago using the contact information provided on the credit report, I was unable to reach this company. The phone number was bad. I disputed the information, however XXXX of the consumer reporting agencies somehow sided with this agency and so this fictitious account remains on my reports and is continuing to negate the last two years of hard work I 've put in on rebuilding my credit. I would also like a letter of apology for misleading and harmful information the company has continued to file, or a letter reporting the true account information so that I may include this letter with any credit or mortgage application to show that I am not currently delinquent, and it will show that I have been current on all my accounts for over two years now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Blue Brick Financial LLC
State: AZ

Complaint narrative:
I responded to a solicitation for a home refinance Blue Brick Financial sent me to me in the mail. The representative I spoke with did not make it clear that I was at risk of having to pay for the home appraisal fee if they did not go through with the loan which they now say they can not provide. The representative did not preform any due diligence on his part to research my home 's value to access beforehand if the loan to value was out of range. Also, the representative also stated several times this was a " no fee '' loan and Blue Brick Financial would refund or credit back the appraisal fee in the closing process. They never made aware that I have to pay if they do n't complete the loan process. They also charged my credit card with out my prior authorization.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-24 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Financial Credit Service, Inc.
State: MA

Complaint narrative:
I received a call from an " Unknown '' number claiming I was being brought up on charges for check fraud. They also called my mother. XXXX XXXX left a voicemail so I called the number she left XXXX XXXX ext. XXXX ) and tried to get information from XXXX XXXX who says she works for ARA the Process and Summons division at my XXXX District Court. She told me she was sending people to my house and every address she had on file until they found me ( I felt threatened ). She was extremely rude, told me she does n't want to talk to me to just go to court because I ca n't pay my bills and to " get off my line '' and hung up on me when I asked for a validation notice and the name of the company and address.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Trident Asset Management, L.L.C.
State: NV

Complaint narrative:
In XX/XX/2013 my ex husband took out a XXXX bill under my name without my knowledge. I had no knowledge of this account, and it eventually got transferred to a bill collector, also known as Trident Asset Management. 

I contacted Trident Asset Management last Monday - XX/XX/XXXX and requested a document stating my account on file had been closed out, as we are current going through Escrow, and my underwriter needed physical documentation to forgive the debt. 

I was told that a letter would be sent out, but never received one. So today, XX/XX/XXXX, I called back and spoke to a representative named XXXX, who eventually transferred me to the manager, named XXXX. She told me that they are n't contracted with Nevada, and refuse to give me any type of documentation, whether email or mail. 

She said the account had been closed on XX/XX/XXXX, but they will not send me anything stating so. I feel I should get something considering it 's my account and I requested it. So not only did they lie to me about sending out a letter and my waiting for it, but they have refused to help me with every phone call I 've ever made to them about receiving a letter. 

We are unable to get a house without this letter, so this is the only company who is holding us back, even though I explained this to them, everyone either brushes me off, lies or tells me I am not allowed to receive anything, just because I live in Nevada.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: R.M. Galicia, Inc.
State: NC

Complaint narrative:
I am receiving calls from Progressive Management Systems about an outstanding bill that my ex-husband owes for my son. I have asked the company to remove my name and telephone number, but they continue to call. 

I refuse to pay this bill because my child 's father is responsible for this bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
My father purchased a XXXX XXXX XXXX Pickup from XXXX XXXX XXXX in XXXX, TX on XXXX/XXXX/XXXX. My father was XXXX XXXX XXXX at the time he purchased the pickup. He traded in a XXXX XXXX XXXX pickup. Apparently, my late father did not attempt to negotiate with the dealer and paid full price. They gave him less than half of what XXXX XXXX XXXX says was the trade in for the XXXX XXXX pickup. Additionally, they sold him extras that were included in the financing. My father passed away on XXXX XXXX, XXXX so he had the truck less than one year before he died and he died owing Ford Motor Credit approximately {$32000.00}. My dad was making truck payments of {$690.00} per month which my sister and I do not intend to pay. Ford Motor Credit has not been at all cooperative. I took the truck to a local Ford dealer for an appraisal and they gave us an appraisal of {$25000.00} so there is a shortfall of approximately {$7500.00} between what the estimated value is and what he owed when he passed away. Ford Motor Credit insists that they want the full amount of {$32000.00} in spite of the appraisal of {$25000.00}. My fathers estate will take in the range of XXXX or three years to close. Ford Motor Credit called our probate attorney and said they would pick it up and take it to auction. Our concern is that they may sell it at auction for far less than the {$250000.00} then come back and expect us to pay the difference in three years when the estate closes. We offered to try to sell it for what it is worth and give them that amount with the expectation they would write off the rest. I feel this would be more than fair because I believe both XXXX XXXX XXXX and Ford Motor Credit may be guilty of something like elder abuse. They took advantage of an XXXX XXXX XXXX man whose health was failing. No, he would not have admitted that his health was failing and he was still handling his affairs. However, his mental capacity was diminished. Otherwise, he would not have paid full price for the truck and taken such a small trade in on his XXXX truck. I will also be writing letters of complaint to XXXX, my XXXX and the State of Texas. Ford Motor Credit has been pushy, unhelpful and uncooperative. They are treating us the same as they would someone who had taken out a loan and was n't making payments. In fact, even someone who no longer had the ability to make payments due life circumstances should be treated better. They should be working with us, not telling us what they want and what they will do whether we like it or not. Feel free to share this complaint with Ford Motor Credit and again, this complaint will not be my only effort to reconcile our grievances with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Eltman Law, P.C.
State: NJ

Complaint narrative:
Back in XXXX of 2007 my bank account was levied. At first I thought it was because of my child support that was just put into arrears. I filed a motion to have it vacated because the arrears were being paid out of my pay check. When I received all the proper information it was for this debt that I do n't not owe. Now I 'm receiving threatening letters from collectors attorneys.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Trident Asset Management, L.L.C.
State: TX

Complaint narrative:
This company has not verified the debt. There is no contract with my signature sent per request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-30 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc.
State: AL

Complaint narrative:
ASSET RECOVERY ASSOCIATES, XXXXXXXX XXXX, XXXX XXXX, IL, XXXX, XXXX, CONTACTED ME ABOUT A XXXX XXXX DEBT FROM XX/XX/XXXX. THEY TOLD ME THEY WERE LAWYERS WHO WERE GOING TO SUE ME AND GARNISH MY WAGES IF I DID N'T AGREE TO A SETTLEMENT. XXXX XXXX XXXX XXXX. XXXX ) CONTACTED ME ON MY JOB AFTER I TOLD HIM NOT TO. HE CALLED BACK AND ASKED FOR XXXX XXXX STATING THAT HE NEEDED TO SEND A GARNISHMENT ORDER ON ME. I HUNG UP AND HE CALLED AGAIN. HE CONVINCED ME THAT THE LAWYERS HAD A LEGITIMATE CLAIM AGAINST ME. XXXX XXXX HAD MY SS #, ADDRESS, EMPLOYER INFO, INFORMATION ABOUT RECENT PURCHASES, AND MY CREDIT REPORT. I AGREED TO PAY {$1200.00}. I HAVE MADE XXXX PAYMENTS ; XX/XX/XXXX - {$400.00}, XX/XX/XXXX - {$400.00}, AND XX/XX/XXXX - {$200.00}. MY LAST PAYMENT WAS SCHEDULED FOR XX/XX/XXXX - {$200.00}, BUT I HAVE INSTRUCTED MY BANK NOT TO PAY. I FOUND OUT THAT THEY ARE NOT SUPPOSE TO COLLECT ON THIS DEBT DUE TO THE STATUTE OF LIMITATIONS NOR WERE THEY SUPPOSE TO SET UP REOCCURING BANK DRAFTS WITHOUT WRITTEN CONSENT. I WAS TOLD TO REPORT THEM TO MY ATTORNEY GENERAL ( DONE ) AND YOUR AGENCY. THANKING YOU IN ADVANCE FOR ANY HELP YOU CAN GIVE. HOPEFULLY YOU CANHELP PREVENT THIS FROM HAPPENING TO ANYONE ELSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANCORPSOUTH BANK
State: MO

Complaint narrative:
I requested Bancorp South close my checking account and was specific that if there was an early closure fee, to notify me first before closing it. After several communications with them prior to this request, not once was an " official check fee '' mentioned. I would have transferred the funds to XXXX before closing had there been a fee, and I specifically requested to be notified in the event there were fees to close. I want my {$6.00} refunded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
We purchased an item from the company, we found the item local and inquired with the company via chat on their website how to return the item. They advised us just to reject the item delivery. That is exactly what we did and the company states they never received the item and will no longer return our contact attempts to help resolve the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX, we ( XXXX XXXX XXXX XXXX XXXX purchased GAP Coverage from Performance Ford in XXXX, NJ for our new XX/XX/XXXX XXXX XXXX XXXX. When finance representative from Performance Ford sold us the GAP Coverage, he suggested to keep it for XXXX year and then cancel the GAP Coverage in XX/XX/XXXX. The primary reasoning for keeping the GAP Coverage for XXXX year was that the market value of our car will be closer to the loan amount after the end of first year, in which case the GAP Coverage wo n't be required. As agreed per our discussion at the time of car purchase, in XXXX, we called Performance Ford to cancel the GAP Coverage

Company response to consumer: Closed with explanation