vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
On XXXX 2015 i was evicted from the department i was leasing, we went to court and the court order the eviction and settle that we owe the the leasing company {$1400.00}. 

The leasing company first sent us a letter stating we owe them {$4700.00} with braking up the amount. 

After that we receive a letter form Professional Debt Mediation stating we owe {$4700.00} and they send this debt to the credit reports. 

Also they post the debt 2 times like if i owe {$4700.00} 2 times, when i contact them trying to settle, i ask them why they post my debt 2 times, the answer from the was that this way my credit score will be lower with the XXXX postings and i will be more urge to pay my debt, i offer to pay what the court settle {$1400.00} and they refuse to settle for less than {$4700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Nationwide Intermediary Services llc
State: OH

Complaint narrative:
I have no idea who this company is that is calling me. This company claimed that I took out a payday loan in XXXX in which I was never aware of taking out. I have statements from my bank in which it shows that not payday loan was received during this time. The representative told me that they was a legal firm, taking me to court if I did not pay this payday loan debt off today and that they were filing the paperwork with XXXX XXXX. The representative would not give me the name or address of the company, they only said that they had my name and my file. I asked for verification and validation of this information. I continually asked for the address of this company and I was told that they represent a group of attorneys and they refused to give me the physical address. I was also told that I was a lying disgruntled consumer and they have to protect themselves. The representative also called me a liar and that she made more money than I did which is why I ca n't afford to pay my bills. Once she said that, then she hung up the phone on me. I called back several times and got no answer ; I was forwarded to the company voicemail. I called back a 5th time around XXXX XXXX on XXXX/XXXX/2016 and spoke with a gentleman who would not give me his name, nor the address and told me that the attorney 's information who filed the lawsuit against me was confidential. He hung up the phone on me and would not tell me anything about the alledged debt, the debt collectors or the attorneys. The representatives of this company called me names, threaten to take legal action against me, made jokes about me not having a job and was totally unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: Fedloan Help
State: ID

Complaint narrative:
I used a company called FedLoanhelp.org to reduce my monthly payment on my student loans. They took monthly payments from me by automatic withdrawl for over a year. However, they amde it look like it was through the regular student loan program, XXXX. It appeared for the whole year that XXXX was getting paid and all was well. I was just contacted by XXXX that it is time to renew my repayment plan. When I investigated the information they have, it turns out, they were given fraudulent information about my family size, which reduced my payments to XXXX for the entire year on their end, and they have not received any money towards my student loans. In the meanwhile, the Fedloanhelp company has been collecting {$120.00} a month for the past year. It has not been applied to my student loans. I do n't know where it has gone. How do I get my money back, and how do I report this company?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
Today at XXXX, I received a call from a XXXX XXXX with Professional Debt Mediation out of XXXX XXXX FL ( XXXX ), for an apartment lease deficiency. I do not dispute this debt, however, I have never been sent anything in writing regarding this debt and giving me 30 days to dispute said debt. I indicated as much to XXXX XXXX on the phone and she did not say I would be receiving or should have received a notice in writing. She asked for a financial commitment to pay the debt and I informed her that at this time, neither myself, nor my husband are working so I could not give her a financial commitment. I asked her again at that time, to please send communication through the mail because to call me is fruitless because I currently have no way of paying her. She proceeded to inform me that the company could take legal action against me, which I am well aware of and I told her I understood. She asked again for a commitment to pay the debt. I again informed her that I could not commit to pay the debt, as I have no income to do so. She asked me if neither my husband nor myself were working, how were we paying our bills?. I told her, very politely, that it was not her concern and started to tell her that I intend to pay the debt but before I could do so, she yelled at me that it WAS her concern how I was paying my bills because her client is entitled to receive their money and it IS her business to know how I am paying my bills. All the while she was screaming at me, I was attempting to tell her that I was not trying to be rude and that I was well aware of the consequences of me not paying the debt but I could not help her, since I have no income. She was still screaming at me while I was attempting to tell her this and said FINE, I CAN NOT HELP YOU! and hung up on me. I have been a XXXX since 2003, specifically working as a XXXX. Currently, I am in school to finish my XXXX. I KNOW that how I pay my bills is none of their business and when I went to assert this fact, I was berated and screamed at like a piece of trash. As of this date, I will be keeping a log of the calls made to me ( she called my husband at XXXX today, as this is a joint debt ) and the things said if I am again treated the way I was today. I know that debt collectors do not have to be all sweetness and light, however, they do have to be professional.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: American Financial Resources, Inc.
State: SC

Complaint narrative:
A home in a community I manage is in foreclosure during which portions of siding have fallen off the third floor side of the unit. Over a year has passed and nothing has been done. The sublayer is now warped and everyone passing this unit sees the dilapidated condition of the home. It is the only eyesore in this beautiful community. Each owner is responsible for their own exterior. We are no closer to getting it repaired than we were over a year ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 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: Allied Collection Services, Inc. (Nevada)
State: MI

Complaint narrative:
There was a debt that needed to be paid when I transitioned my phone service to another provider. That was supposed to be paid through the companies, not by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
On XXXX XXXX my vehicle was involved in an accident. I notified Credit Acceptance of this and continued to check back in with them to keep them updated on the situation. I received a call on XXXX XXXX from Credit Acceptance and they requested payment which was not due to XXXX plus towing fees because they stated I abandon the vehicle, therefore they went and got it and charged me with the fees. First, I never abandon the vehicle I have a paper trial with the company from the day that this begin and has informed them of every action that I am taking. For the last month they have stated that because I " abandon '' the vehicle and they are the lien holder, they went in got the vehicle from towing yard because the vehicle was incurring fees by sitting in the yard, I was aware of that, I called them and told them that. I spoke with several agent about this issue and they all reviewed the notes and agreed that is why they picked up the vehicle, around XXXX XXXX I Spoke with a agent by the name of XXXX and she stated to me that someone at their company went in and place the abandon status on the vehicle and that is what cause them to tow the vehicle. That is what concerns me the most, Each time that I have reached out to them about this issue, Credit Acceptance has given me the run around and I am exhausted from dealing with this, Please assist me with issue.

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 2017-02-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I was only on the lease of an apartment not the renter, and they have it on my credit report twice as the renter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
This is an incredibly long story that I am happy to share in full via telephone, but due to cognitive disorders typing is a very long process for me. Basically, I sold an item on Ebay ( eBay item # XXXX ) last month ( XXXX XXXX, 2016 ), Ebay said the item was paid for the next day, so I shipped it, but never received the money via Paypal, which was how the funds were supposed to be transferred. The money was transferred from Paypal back to the buyer, who was refunded in full. Paypal and Ebay, after numerous phone calls to both companies, both refuse to help me by claiming it is entirely the other company 's fault and there is nothing they can do. In my last call with paypal, a senior manager suggested i simply chalk up my loss as the cost of doing business ; in my last call with Ebay just now, they said I should file an internet fraud cast against the buyer! While this lack of payment is in no way the buyer 's fault, the buyer has ceased responding to me as of a couple weeks ago, which means I can no longer resolve this matter seller-to-buyer directly. What do I do? Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Mortgage Research Center, LLC
State: VA

Complaint narrative:
Recently we applied for a mortgage with Veteran United Home Mortgage. We used our Certificate of eligibility with the VA and this was my first time utilizing it. We were told that 70 percent of their mortgage were kept in-house. We already have one mortgage with XXXX XXXX on another house and have been very dissatified. But for Veterans who are XXXX to be thrown to a company with a history of fraud and abuse is very unfair. 
Once we closed we learned that our mortgage had been sold to XXXX XXXX. The company with so much negativity. We wanted to know how fair is it for XXXX Veterans go through a lender who is supposed to be working for Veterans and then have their mortgages sold to one of them worst banks in recent history. Even while there is still so much recent negativity : Articles Below : XXXX XXXX, You Can Run But You Ca n't Hide : A Homeowner 's Testimony Tue, XXXX/XXXX/XXXX - by XXXX XXXX - See more at XXXX Suit alleges banks and mortgage companies cheated veterans and U.S. taxpayers XXXX Did Banks Cheat Vets Out of Millions? 

XXXX Published on : XXXX XXXX, XXXX XXXX XXXX Accused of Defrauding Veterans by Charging Excessive Loan Fees XXXX XXXX XXXX scam latest in a string of infractions 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 2015-12-05 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: I.C. System, Inc.
State: IN

Complaint narrative:
We continue to receive calls from a 2010 alleged debt from XXXX for XXXX. We received a refund check from direct tv when our account was closed. We have received calls from several different collection agencies regarding this same issue. We have asked for substantiating documentation and have not received it from any of the calls that we have received. I have told each of them that this is harassment until they can provide documentation for their claim ... we are at out wits end with what to do ... We have excellent credit an pay what we owe ... We do NOT owe this and I am not paying but I cant seem to get the calls to stop ... currently the company calling us is IC System XXXX. XXXX XXXX XXXX XXXX MN XXXX phone XXXX claim no XXXX PLEASE HELP!! How can I file a harassment claim against this co who prob purchased what XXXX XXXX could not provide documentation for at pennies on the dollar and continue to sell it to other collection agencies that continue to harass us ... Any assistance would be greatly appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
hello, i made a mistake. Instead asking money with paypal i sent it. 
He does n't want give money back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
I made a purchase online with a company that took Paypal Credit and felt secure shopping because of that and in fact used my Paypal Credit line to purchase XXXX worth of dresses. Of the XXXX dresses I ordered only XXXX came, XXXX were a small and I ordered XXXX and XXXX of the XXXX was ripped in the front of the dress. The seller will not send a prepaid shipping label to ship them back and the cheapest rate I could find so far is XXXX to ship them back to seller in XXXX. Paypal gave me XXXX and stated they have to be shipped back before they can make my balance XXXX and will keep the seller paid until I ship them back and the seller confirms they received them. Paypal says I can not use the XXXX Postal Service bc the seller can receive them and say they did not. I have to use XXXX XXXX and a rough quote has been XXXX and that was an estimate. I do n't feel it 's fair that I have to pay the remaining shipping for items not the right size and damaged and PayPal is not backing me in this ... ... .the last thing the seller in XXXX emailed me was instructing me to use the XXXX XXXX XXXX and do it asap. This whole purchase has been a nightmare ... ..Paypal is very aware of the situation has basically in a nutshell said " you need to ship the items back and prove to us you have '' until then the seller will remain paid and you have a balance you have to pay us ... ... ... I will nit be paying them, I have dresses I ca n't use and do not feel it 's fair to pay the high shipping cost to get them back to seller and yet they have been paid and will remain paid according to Paypal Credit unless I do ship back to them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: CA

Complaint narrative:
On XXXX/XXXX/XXXX I was introduced to and contacted Prime Lending Mortgage in XXXX, XXXX. The loan officer I specifically worked with was XXXX. From the start all was well I did everything I was instructed to do in order to get fully qualified by underwriting for the FHA funding. This process of getting a payment installment agreement took about 6 weeks and I had to provide one letter from a child support agency. The problems started when I was instructed to pay the IRS {$200.00} per month when the actual agreement was {$100.00} per month. In short after being fully qualified in underwriting myself and y agent made an offer on a property. The offer was accepted and Escrow was opened with me putting a deposit of {$1000.00}. I was told to use my credit cards for the appraisal, home inspection and termite inspection. On XXXX/XXXX/XXXX i was emailed TRID Milestone was met and Closing Disclosure were ordered and I signed the same day.Things seemed to be moving forward smoothly via email but I never really spoke to anyone at Prime Lending after several requests for phone calls for guidance through this process. As we moved close to the closing date I began to get many questions that were very unprofessional. I have emailed requests for my sons birth certificate, social security card, receipts from XXXX up to XXXX, air flight tickets, motel room receipts and many personal items that had nothing to do with my loan already being fully approved in underwriting. XXXX specifically stated that my address was an issue and or credit when they had already approved me 50 days prior. This was a very unprofessional experience. I 've lost thousands of dollars in time and clients. This company lied to myself and the seller of the property and somehow had no solid excuse for denying my loan after being fully approved. In an email from XXXX it is stated that I will be fully refunded and so far I have not heard from anyone on staff and my calls or emails are not being responded to. My credit has been destroyed do to the instructions of this institution to close XXXX of my credit card accounts in which I later leaned was not legal or professional advise. Prime Lending in XXXX XXXX used an excuse of me having ownership in a property in XXXX XXXX XXXX that I lived in for 8 years as an excuse to say that why I was denied. I was not able to prove to them that the property was not mines nor should I have had to produce such documents when the lending company could have checked for themselves. There are so many things that happened that wronged myself and my rights that I can not put it all within this complaint but I am seeking legal information on how to proceed in filing a civil matter for discrimination.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This account is past the statute, this collection agency is trying to say it was charged off XXXX which is not accurate. I have n't had a XXXX XXXX account is 8 years. They sent a statement as validation showing XXXX past due amount {$1200.00}, the account had to be past due a long time to have a minimum payment this high. What I received is not validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: The Regional Adjustment Bureau, Incorporated
State: CA

Complaint narrative:
The debt collection agency Regional Adjustment Bureau is trying to collect {$18000.00} for an old private student loan, even though the 4-year California Statute of Limitations on the original loan has expired. They call my cell phone, and the phones of my family members, constantly. Sometimes, they do n't even say anything when I pick up. When I do speak to any of their representatives, they are always rude and threaten to sue me or take me to court over the debt. They have also put my debt in collections, which affects my credit report.

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 2015-05-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Last XXXX, Paypal placed a limitation on my account and blocked me from accessing my balance citing that they have up to XXXX days to do so. XXXX days have passed but they still blocked my access to my money.

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 2015-11-26 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Google Compare Credit Cards Inc.
State: MO

Complaint narrative:
Lies, manipulation and refusal to escalate the situation to an authority figure who has the means to get the issues resolved. XXXX dollars was removed from my account with a promise of XXXX dollars being available on XX/XX/XXXX on my Google Wallet card. Google removed the entire XXXX dollars from my bank account on XX/XX/XXXX. Every time a call and plead for help, I get same scripted response. My holiday, my XXXX is ruined and I can not provide a proper XXXX meal to my family because of this. This is beyond painful, embarrassing and disheartening. I have been an advocate for Google, their products and services. They have not been an advocate for me. 

Typically, the transfer is instant. This time there was a delay that I was unaware of until I completed the transaction. I was given a date of XX/XX/XXXX. The morning of XX/XX/XXXX it was not available. I called and spoke with someone who claimed to be in management. No help given. Just lies about funds being released that day. I have emails and recorded calls to confirm. 

Google took money out my account and refused to credit my card for the transfer. With an inconsistent answer as to why, they credited me XXXX dollars for the inconvenience. That too was a slap in the face. 

The managers I spoke with told me that they do not report to anyone, which was insulting as I know there is a hierarchy of authority in all corporate settings. I will be without a XXXX meal for my family due to this. 

Something has to be done to right this wrong.

Company response to consumer: Closed with monetary relief