vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-22 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I sent a payment for a replica wrestling belt through paypal and they said they were keeping the money and that i violated federal law by buying overseas.i even called and told them what i was doing and was told the same thing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-26 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
On XXXX/XXXX/2016 Paypal submitted a trial deposit of XXXX into my XXXX business account in attempt to illegally access my account. The item description was labeled PAYPAL XXXX XXXX XXXX XXXX XXXX, I have no idea who is XXXX XXXX, nor did I authorize any external link between my XXXX account and paypal. They can not legally just attempt to link themselves to customer accounts without their consent!, they also said that I owed them {$4000.00} balance for services I never rendered. I have attached the supporting documentation of what I reported as fraud on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-22 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Keith D. Weiner & Associates Co., L.P.A.
State: WV

Complaint narrative:
I am disputing this debt - although this debt originated from a student loan I applied for and used for XXXX, XX/XX/XXXX. The dispute arose when I pulled out due to ongoing XXXX, harassment, and issues of intellectual property theft, I had endured since XX/XX/XXXX, when I returned to complete my XXXX degree started in XX/XX/XXXX. 
When the debt was referred to the State of Ohio, for XXXX being a state institution, I began the dispute for the above reason - providing a summary to the Attorney General/Department of Taxation. The issue was not resolved, in that the department refused to acknowledge the issue, and attached my state of Ohio tax refund. The debt of {$4800.00} was referred to a collection agency, my first letter received XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Receivable Management Services LLC
State: OH

Complaint narrative:
My XXXX account indicated that there is a collection record reported to XXXX credit bureau by : THE RECEIVABLE MGMT XXXX XXXX XXXX, XXXX XXXX XXXXPlaced for collection : XX/XX/2015XXXX : $ 84Original Creditor : XXXX XXXX XXXX have been living in XXXX XXXX for the past three years, I do n't live in XXXX!!! my " trash service '' is included in my current rent where i currently reside. 
This is simply not mine!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ZWICKER & ASSOCIATES
State: NY

Complaint narrative:
Settled debt with Zwicker & Associates P.C. ( XXXX ) for less than full amount on XXXX/XXXX/15. They took payment and told me that I would get a letter noting this after 21 business days had passed based on what some bank told them they need to do. I have called them @ XXXX a total of XXXX times requesting this letter and have been told that it was mailed but have not rec 'd it. After calling again today XXXX/XXXX/15 ( XXXX XXXX-ext XXXX ), I was told that XXXX of their attorneys has to approve the letter being sent but they would not allow me to speak with this attorney for clarification. I asked for a supervisor ( XXXX XXXX-ext XXXX ) but was told he was too busy to speak with me. I believe that I am getting the " run around '' and would like to file a complaint as this seems to be an unfair debt collection practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Credit Central Holdings, LLC
State: SC

Complaint narrative:
I contacted the lender, Credit Central in XXXX, SC, because I am past due on my account and wanted to let them know I would be in today to pay on my loan in the amount of {$71.00}. I received an angry letter on my door the day prior and wanted to work towards catching up my loan. I asked for XXXX, a man who I assume is the manager. He has left multiple aggressive messages on my phone. When I told him my name his first words were " Hey XXXX, do I have to come out there and choke you? '' I asked him not to say that and nervously laughed. He just said " Ok. '' I explained what I could pay today. He said I owed {$140.00} now. I said I could atleast do the {$71.00}. He said that was fine and then said " Do n't make me come back out XXXX again. '' I said nothing back but only replied that o would be in today. I felt very threatened having a strange man say he would choke me and then adding for me not to have him have to come back to my address. What can I do about this? This is ridiculous and scary.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Allied Collection Services, Inc. (Nevada)
State: CA

Complaint narrative:
I stayed at the XXXX XXXX XXXX from XX/XX/2016 ro XX/XX/2016. The front desk had some issues charging my credit card for some reason but they did not contact me to advise me of such issues. On XXXX/XXXX/2016 I received a notification from my credit monitoring application stating there was an open collection filed with Allied Collection Service. I called XXXX to ask why they did not contact me if they had issues with payment prior to sending a bill to collections and I was told by XXXX XXXX from Business Corporate Office that they are not obligated to inform their guests of such issues. I believe the XXXX violated FCRA and Unfair Collection Practices Act. I also believe they violated Regulation Z, the truth and lending act. Upon contacting Allied Collections I was told they sent a letter of validation however I never received this letter nor did I receive any other kind of attempt to contact me. I can not pay a balance or bill if i do not know it exists.My credit score has now suffered due to the inability of XXXX XXXX XXXX to notify me of the issues they had.

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 2016-01-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
making payment on time til job loss. making partial payment with agree ment of company every month, company repo vehicle without notice and the vehicle went to unknown location. repo was on XXXX/XXXX/2016. 
also please site for harrassing phone calls two and three times a day at least six days a week, sometimes XXXX right behind the other.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: IL

Complaint narrative:
FAILED TO VALIDATE DEBT INQUIRY IN DIRECT VIOLATION OF FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
I have had my vehicle for XXXX going on 4 Years and I have always been in good standing with my account on Thursday XXXX XXXX my vehicle was XXXX due to a non payment back XX/XX/XXXX a Year ago to my knowledge everything was up to date in between that year I have contacted the bank and have never been informed of this situation I was quoted my Pay off amount never received any correspondence via mail, Phone, or by email as well when I did contact and speak with representatives of the bank they were very cold, uncaring, and unwilling to try and help they just wanted the past due amount of one month I felt it was very unprofessional as well as very stressfulstressful and overwhelming for me which did not seem to matter to anyone no representatives ever tried to help give me any options or reassurance that we can resolve this issue and figure it out together exactly the opposite I felt bullied and like threatened that if " I did not get a payment in I could lose my vehicle and end up paying more '' per the representative. I understand it is a business and I am in no way trying to cheat or manipulate anyone I just feel the whole situation was handled very poorly and unprofessionally especially a year late where as my Automatic Draft all other payments have been processed with out any problems within that 12 month period. I have also felt a lot of miscommunication a lot of the times where XXXX representative will say XXXX thing and then someone else will say something different on occasions many representatives have made me feel more of a burden and troublesome rather than a customer and this is for doing what is requested by the bank to call if any issues or things with payments I have always kept promise to pay if at anytime I needed to change a scheduled payment due to repairs or unforseen expenses. I just wish I was treated more like a customer than just someone who has a car leased through the bank and all that matters is the Money or at least a little more courtesy than what I was given

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 2015-08-02 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: EXPERT GLOBAL SOLUTIONS, INC.

Complaint narrative:
XXXX & XXXX have been chasing me for three years, for a silly amount of money that I no longer owe. I paid them two years ago. Again this year they are after me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Rosebud Economic Development Corporation
State: TX

Complaint narrative:
I have had several loans with this company in the past with no problems. One month after my last loan was paid off, I called to reapply. XXXX XXXX tried to use some type of a bank verification system that requires a robot to sign on to your personal online banking account. My bank, XXXX XXXX XXXX, does not allow this type of electronic access. They tried and received an error message. In order to be approved for this loan, my last XXXX employment deposits had to be verified. XXXX Loans called my bank and ask me if it would be ok to lie and say no one else was on the call and for me to ask for my last XXXX deposits. In order to get the loan this had be done. I agreed as there was no other way. At this point I thought my loan was approved so I said yes. I was a returning customer and assumed all was completed and approved. The rep said all that needed to be done, after I had just lied to my bank, was submit the application through XXXX??? Who is XXXX XXXX. Something came back, probably my Tax Lien as I have a current payment plan with the IRS, so the loan was denied. I called another payday lender, XXXX, and received the approval instantly and funds were deposited for the next business day. My number one complaint with XXXX Loans is that you must lie in order for your bank deposits to be verified. My second complaint is that I never should have electronically signed any loan documents and been disclosed monthly payments and due dates if my loan was not approved. Many payday lenders do this from what I have been told because it makes the process easier for them. What about us as a consumer that believes their loan to be completed and approved when loan documents have been signed?? We need to stop dishonest payday lenders and loan document signing prior to the loan being approved/denied. If I had gone to my personal bank, they would have never requested me to sign loan documents prior to loan approval/denial.

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 2016-09-08 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: Alpine Credit, Inc
State: CO

Complaint narrative:
I recently applied for credit and during a review of my credit report an entry for Alpine Credit was identified as active and unpaid. This is patently false and I have documentation to prove my claim in the form of the payment receipt and confirmation from Alpine that the debt was paid in full back in XXXX of 2012 along with a guarantee from XXXX XXXX XXXX XXXX that the debt would be removed from all of my credit reports!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: PHH Mortgage Services Corporation
State: FL

Complaint narrative:
Gentlemen : This Company ( PHH XXXX, XXXX NJ XXXX ) has failed to provide me with a " Release of Liability '' upon a fee of {$900.00} which I paid on XX/XX/2014. Please advise. Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: GUARDIAN CAPITAL MANAGEMENT HAWAII, LLC
State: HI

Complaint narrative:
I have asked Guardian Capital Management to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of fraud someone has been using my ss number that have recently did XXXX credit inquiry and used my debit card gained access to my info since 2011.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Equifax wo n't allow me access to dispute items in my file online, even though I 've given Equifax the documentation requested. After receiving both letters, I mailed the requested documents and I still do n't receive any assistance. 


Equifax also reinserted the XXXX XXXX Bank account into my credit file without informing me. This account had been previously deleted. Since Equifax did not inform me within 5 days that the information was being reinserted into my file Equifax is in violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have disputed many things in collections on Equifax and they all come back " verified '' - some of the things, the original creditor information has already been deleted and removed from all XXXX due to SOL or unable to verify the account info. I have disputed the same things with XXXX XXXX AND XXXX, and they have all come back DELETED XXXX XXXX XXXX XXXX and an XXXX XXXX accounts have all been removed from the other XXXX, I even called XXXX myself and they can not locate any of my records, if I ca n't get them, how are they verifying ... this stuff needs to be removed NOW if they can not verify. XXXX of the XXXX accounts ( Salute / Tribute ) by FTC ruling they are not allowed to collect on these charged off accounts, but yet they remain - This is beginning to be bs ... the other XXXX removed them no problem. Even on XXXX the XXXX account is PAID and CLOSED as of XXXX 2010

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
i have XXXX items on my credit report that has been reinserted, seen i ve pulled my reports on equifax i did n't recall seeing the XXXX collection accounts on my credit in over a year, now i pull my credit report and my account has more items added that where the same and my credit score went down XXXX points due to these items. i also was sent a copy of my updated reports and the XXXX items where not on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: DE

Complaint narrative:
Mortgage company known as Seterus ( XXXX XXXX XXXX, XXXX, CT XXXX ) # XXXX is no longer supplying monthly billing information stating balance, interest, or escrow. They provided " coupons '' to pay monthly and you are required to " opt-out '' to get the details and I have done so but they have not provided me with any bill for the month of XXXX or XXXX. I called to request information and the running totals they provided stopped as of XXXX XXXX, 2015. The online system has stopped showing me past invoices as of XXXX, 2015. I did get a computer printout ( very hard to decipher ) of my payments until XXXX but only after I called. At this point, I 'm paying the bill because I just know it 's due but I have no invoice, no updated amounts due or no idea how things might change due to taxes/escrow/etc.. This is unacceptable and clearly violates the Dodd Frank Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Do n't know what this debt is They are reporting this as a open end account with XXXX late payments XXXX disputed over phone on XXXX/XXXX/15 dispute # XXXX They said the dispute would be taken care of by end of XXXX It was not Wrote letter dated XXXX/XXXX/15 and they then entered another dispute with the dispute number ( even though this is concerning the same dispute ) XXXX. I requested by letter and XXXX by phone that they send me in writing who the creditor is and they have ignored all my request The emails they are sending me are going into my spam folder so I do not open them So now it is going on 2 months and it continues to report more late payments I have not been contacted by any creditor concerning this item I thought by law they had 30 days to let me know what this debt is and if not, they have to remove it I have been denied credit because of this I would appreciate any help on this because they are just letting this drag on

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I received a 30 and 60 day late notice on my credit that was reported by XXXX Bank. I disputed XXXX but was told the credit was validated. I was sent to collections for a balance of {$2.00} from an overdraft protection charge from my reserve line credit account. First of all I paid my reserve line in full XX/XX/XXXX and requested it to be closed. I was then charged a {$5.00} overdraft protection fee XX/XX/XXXX. Based on their Deposit Account Agreement I had the option to authorize an " opt in '' from my reserve line for overdraft protection but never approved or authorized XXXX Bank to draft from my reserve line for my checking account. The {$5.00} fee was taken from my reserve line and applied as an overdraft fee for my checking account. I included all documentation to show the transactions. I never received any calls of the fee nor emailed or mailed statements. XXXX Bank took the fee out of my account without authorization and ended up crediting back my account the balance and late fees XX/XX/XXXX ... two years since I requested it to be closed. XXXX Bank is also unwilling to correct my credit score as they said the XXXX notice ws valid ... they did remove the 60 day notice. XXXX Bank has been unwilling to work with me to get this corrected and I feel they reported incorrect info to the credit agencies even after I pointed out their error. Their intentional deception of credit reporting has damaged my credit history and thus would not allow me to qualify for a home loan. I was also told that XXXX Bank could have provided a coutesy removal of late notices but did not contact them in time ... XXXX Bank is deceptive in the credit practices and has taken steps to harm me since this was reported to the CFPB. I also contacted the president of XXXX Bank but XXXX XXXX was unwilling to protect the customer and is willing to allow his company to conduct deceptive and harmful collection and credit practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I paid equifax XXXX to unfreeze my account permanently. Last week I applied for a mortgage and found out it is still frozen. When I called I could barely understand the woman. but I Think she said I temporarily did it twice ( after saying there was no record ). I never did this. all I want is for it to be unfrozen like I asked them to do. not try to get another XXXX dollars out of me and ask for some code no one gave to me. I do not know what to do. THank you for your help and time.

Company response to consumer: Closed with explanation