vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-25 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Alliance Collection Agencies, Inc.
State: WI

Complaint narrative:
Alliance collection agency continuously contacts you multiple times per day from unavailable numbers. They also go so far as harassing you while at work even when a company does not allow for personal calls. I attempted to make a payment plan originally for medical expenses that I owed and they refused stating i had to at least pay half of what I owed ( approx {$1800.00} ) and even suggested that I take money out of my XXXX. I explained that I was a single parent with a child under XXXX years old and let them know what I could do for monthly payments. However, this was not good enough and they still tried to take me to court. This company harrasses people until they literally have nothing left financially and will do anything they can to ensure your family is left second to their demands.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: LENDER LIVE
State: VA

Complaint narrative:
I am an XXXX service member and XXXX in XXXX of XXXX. When we arrived in the area we purchase a house for {$190000.00} and by XXXX the value had dropped dramatically. I am now set to transfer to XXXX in XXXX of XXXX and can not afford to keep the property so I started the process to sell my house in XXXX of XXXX, thinking that two years was more than enough time to sell before leaving. I know I will never be able to sell the property for as much as I paid for it so I requested a Short Sale through my then mortgage company. After a couple of months of waiting for a reply from them and listing the house for sale, that mortgage company sold my loan to another mortgage company and in the process lost some of the documents causing the buyer we had for the property to back out because they were taking to long. We then got back on track with the new company trying to sell the house. The last appraisal was done in XXXX of XXXX stating the house was worth {$76000.00}. We listed the house for {$100000.00} and received an offer at that price. Now almost a year and a half into trying to sell this house and not go into foreclosure, my now mortgage lender says they need to net {$140000.00} to approve the Short Sale. I have never missed a monthly mortgage payment and can not afford to in the future because it will affect my security clearance and my job. I do n't know what else to do. We have been very patient and done everything this company has asked. If I foreclose on this house it will affect my career and family and that is the last thing I want to do but come XXXX of XXXX I will not have a choice and will be forced to foreclose. I would very much appreciate any assistance you could offer. 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 2017-03-21 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: CAVALRY INVESTMENTS, LLC
State: OH

Complaint narrative:
I have an unverified account from Calvary Portfolio. I had previously disputed this account. I have never done business with Calvary Portfolio. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Calvary Portfolio provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Calvary Portfolio Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-30 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
Company continues to attempt to collect on a debt erroneously placed for collection AFTER original account balance was discharged in bankruptcy. Company continues to report account to credit reporting agencies, although debt was discharged via bankruptcy in XXXX 2013. Have contacted Consumer Reporting Agencies following instructions on their websites ; have contacted this creditor directly via telephone and certified mail. 

Requesting company to immediately halt collection efforts and have all information regarding this account removed from credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA

Complaint narrative:
IQ Data ( DBA Rent Collect Global ) called 6 times within 3 days at my work place. They requested I pay an outstanding utility and move out fee. I requested proof of the bill via mail. Caller was a bully and insinuated my credit would be negatively affected and I would start paying an interest penalty if I did not voluntarily pay today. The thing is -- I 've already attempted to pay the bill 10 days after the Landlord billed me. Key dates below : XX/XX/XXXX - Moved out of Apartment XX/XX/XXXX - Received final bill utility bill of {$120.00} from LL with instructions to mail to Rent Collect Global XX/XX/XXXX - Mailed {$120.00} to Rent Collect Global XXXX - Rent Collect Global RETURNED and voided my check ( I have scanned/saved a copy of the returned envelope, check, and bill ). Rent Collect Global stated I had no account on file with them XX/XX/XXXX - Received 4 calls at work. Debt collector stated I owed {$320.00}, not the original {$120.00} I was billed. I asked for proof. Debt collect stated none would probably be given. 
XX/XX/XXXX - Received another call & voicemail XX/XX/XXXX - Received another call and this guy stated he would start charging interest on my outstanding debt where there was no proof of the additional {$200.00} of outstanding debt.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: Alliance Collection Agencies, Inc.
State: NH

Complaint narrative:
XXXX I WAS BILLED BY XXXX FOR THOUSANDS OF DOLLARS OF MEDICAL SERVICE. I PAID XXXX BY CONSENTING TO REMOVING A MONTHLY AMOUNT OUT OF MY CHECKING ACCOUNT. I CALLED XXXX IN BILLING AT XXXX AND I AM MADE SURE MY ACCOUNT WAS PAID IN FULL ON THE LAST PAYMENT YESTERDAY I GOT A COLLECTION AGENCY STATING I OWED {$59.00}.

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 2016-08-14 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: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
tower loan contacted the individuals whom i put down as references in the event i could not be reached and shared information other than whomever was calling and a telephone number. they told they my loan was delinquent and legal actions would be taking if i did not contact them soon. they also called me multiple times per day alomg with my references. this is very unprofessional and a breech in company confidentially i also have a voicemail where information more than contact information was left amd received calls from cellphones before as well.

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 2016-10-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. Collections West, Inc.
State: ID

Complaint narrative:
My sister and I rented an apartment from XXXX, after our lease was up we attempted to get our security deposit back. 
They refused and said we owed a lot of money. I took them to court and they settled with a payment to me for {$500.00}. ( Almost all of my deposit ) Then they submitted a bill to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: 360 MORTGAGE GROUP LLC
State: TX

Complaint narrative:
I had refinanced my loan with 360 mortgage but they keep reporting negative information to the credit bureau, the loan was paid in full before it was 30 days delinquent. Yet they keep reporting that it was late and it has dropped my credit score by XXXX points. I have called them numerous times and they say to dispute the charge through the credit bureau. I have done this twice. The first time the issue was fixed, then all of a sudden they reported that the account was late again so I have to dispute a second time. When I call them they offer no assistance even though they know they reported the information incorrectly. I need this issue resolved as my good credit is being damaged by lazy credit reporting.

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 2015-05-22 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XXXX XXXX, I made a purchase at XXXX online. I had received an email from my paypal smart connect credit account that if I made a purchase between XXXX and XXXX, I would receive a {$10.00} credit. So I got a total of {$72.00} purchase and attempted to check out as a guest through paypal. My paypal credit card XXXX Smart connect XXXX did n't show up for finalizing the transaction. I went back and logged into my XXXX account and paypal came up so I checked out, thinking it was my paypal credit account XXXX smart connect XXXX. I do n't remember anything that stuck in my mind to let me know I was signing up for a new credit line. I have had credit issues in the past, so the credit cards I have now are the only ones I want. I never sign up for new cards. I want to purchase a new house in the future and do n't want to compromise my credit score. I emailed back and forth with paypal after I received the paper credit statement of the purchase and which showed no balance. I know I have a balance on my smart connect, so I could n't figure this statement out. I also do n't receive paper credit card statements. Emailing did n't help, just was more confusing as they told me I could only have XXXX credit card linked to paypal and that I could like the paypal credit after disconnecting smart connect. What? I called paypal to see if I could move the paypal credit balance to my paypal smart connect. the person I spoke to, XXXX, could n't even find this purchase anywhere XXXX and I think she said that paypal could n't transfer the balance anyway between the XXXX credit lines XXXX, so she forwarded me to XXXX at Paypal credit. He said I could pay off the balance and close the paypal credit account. I asked if this affects my credit score and he said that they did do a credit check before they issued the paypal credit. I was so upset after speaking with him and venting to him and asking if this is what the paypal scam on the news is about. Then I hung up. Can I be added to the lawsuit that cfpb has filed against paypal?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I have a Paypal account some money on it, about XXXX. I tried to spend the money on a XXXX boost, and the Paypal system would n't complete the transaction without a credit card. Why would I have a Paypal account if I could get a credit card? These people have my money, and have refused to complete a simple transaction to a reputable company. I believe this is an attempt to manipulate my account to mine for new data.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Google Compare Credit Cards Inc.
State: OH

Complaint narrative:
I tried to purchase an XXXX through Google. It took a day for Google to accept that my credit card was valid. But, when I tried to read the book using Google XXXX, a huge and eventually, insoluble, number of obstacles were put in my way regarding the compatibility of my XXXX devices with Google 's preferred XXXX platforms. I spent over 100 minutes with Google 's call center employees trying to resolve the issue. I sought advice on XXXX which also did not solve the issue. I want the money refunded to my debit card and I want to be paid for the frustration caused by Google 's deliberate ogopolisitc practices .I also want Google to provide me the book in a manner that I can easily access.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
On XXXX there was a fraudulent online application submitted using my personal information with PayPal Credit. I did not request this line of credit. I was alerted by XXXX and responded that I did not initiate this request for credit. XXXX contacted PayPal and confirmed that an account had not been established. I have requested that PayPal remove this application. I am submitting this affidavit in lieu of filing a police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A.
State: VA

Complaint narrative:
Greetings, my complaint involves Flagstar Bank, who has put us in a modification purgatory for the last several years, now has sent letter via lawyers that house again in foreclosure. We had entered into our XXXX trial period and completed the 3 month trial period and have n't been contacted since XXXX of XXXX are at wits end with the whole process while accruing penalties, late fees, etc.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Our company has a business PayPal account. We received a payment from a client/customer via PayPal payment plaftorm online via credit card for $ XXXX. PayPal immediately provided full credit of the payment to our business account on the same day the payment was made and invoice was annotated on PayPal 's online system as, " Completed. '' Again, the client has been provided with the service and was invoiced for that service. Approximately 4-days later, PayPal 's Risk Operations Department initiated a limit to our account for the remaining funds available in our business - $ XXXX. A telephone call was initiated with PayPal 's Resolution Team to discuss why a limit was put on our account. We complied with PayPal 's request for supporting documentation and online submission of explanations of specific transaction conducted on our business account - i.e. incoming payments between $ XXXX, along with providing documentary evidentiary support for the {$10000.00} credit card payment received, fully credited and processed by PayPal on the same day - without any limitations, holds and/or restrictions to access to those funds. After being provided with two separate email notifications by PayPal - detailing the 24-48hr turnaround response for resolution of the matter ; we were notified during a telephone call by XXXX of the Risk Operations Department that a " ... 180-day hold would be placed on $ XXXX, on our account for risk liability purposes to protect PayPal. '' Based on legal review of PayPal 's Acceptable Use Policy XXXX we were not told or lead to believe that PayPal 's de facto decision to withhold funds legally earned, paid, credited and utilized, were in violation of PayPal 's Acceptable Use Policy, as contained herein this complaint. Specifically, we were informed verbally and via email that the funds being withheld for 180-days are for the specific justification of maintaining PayPal 's Risk Liability at a level required by PayPal. PayPal subsequently - on the same day, before the close of the business banking day, after we communicating our intent of filing an official complaint with the XXXX Treasury - Office of Comptroller of Currency ; reactivated our business debit XXXX, and provided us access XXXX - which needed to be transferred from a XXXX currency accounts with PayPal XXXX. XXXX accounts have been placed at zero balances, because we were in need of payment of online subscription payments for online access to a private service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: Flagstar Bank, N.A.
State: NV

Complaint narrative:
On XXXX XXXX, 2016 an unknown individual used a fraudulent debit card to make XXXX separate ATM withdrawals from my checking account with Flagstar Bank. The withdrawals totaled {$1800.00} and were withdrawn in the amounts of {$400.00} ( x XXXX ) and {$200.00} ( x XXXX ), my bank apparently terminated either the debit card number or the ability to make ATM withdrawals from the checking account upon the last withdrawal of {$200.00} per discussion with card services at Flagstar Bank on the evening of XXXX XXXX, 2016 ( I was not contacted by Flagstar Bank about the transactions but rather attempted to use my debit card on the evening of XXXX XXXX, 2016 and the card was declined ). The individual made XXXX withdrawals of {$400.00} from the location noted previously ( XXXX XXXX XXXX XXXX, XXXX, NV XXXX ) and made XXXX withdrawals of {$400.00} and XXXX withdrawal of {$200.00} from another location ( XXXX XXXX XXXX XXXX, XXXX, NV XXXX ). I submitted a fraud claim with Flagstar Bank on the morning of XXXX XXXX, 2016 and received no correspondence from the bank. I submitted a police report with the XXXX Police Department on XXXX XXXX, 2016 to report the theft as well. On XXXX XXXX, 2016 I called the bank 's customer service number to inquire about the fraud claim and was informed that the claim was denied based on the fact that the withdrawals were in my city of residence, the fact that I retained my debit card, and the fact that there were no incorrect PINs entered during the withdrawals.

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 2015-09-04 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:
Dear sir or madam, This is regarding my XXXX PayPal accounts created in my name : registered email address : XXXXXXXXXXXX email address : XXXXXXXXThey were permanently limited, stating that my account is in violation of PayPal 's own Terms of Service. I tried to explain it to them, but they will not listen and will hold my money for 6 months. 

At this time I have over {$1000.00}. in the accounts and I want my money NOW, not in six months. This is my money and I should get it immediately. To me {$1000.00}. is a lot of money and quite a hardship that they are keeping it. 

I already filed a complaint with the Attorney General of California ... and Paypal took the entire month to respond to me. And their response was not satisfactory. All I received is an explanation about why they suspended my account, but they did n't address the main issue. I want my money NOW not in 6 months - This is my money and I should get it immediately. 

Please help me. 

Thank you, XXXX XXXXXXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
On XXXX XXXX, 2015, PayPal limited my account so that I could not withdraw any of the funds in my account. I was told that I would have to wait 180 days to withdraw my balance of XXXX. I have contact Paypal by phone over the last 2 weeks, and both times they have said they would escalate the issue and call me back. As of XXXX XXXX, 2015, they have not contacted me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I found an ad on XXXX for tickets to a basketball game that were very cheap. The seller asked that I pay using Paypal and that they would send me the tickets electronically. Since I knew Paypal to have guarantees against fraud I went ahead and sent the money via their mobile app. No tickets were forthcoming. 
It turns out that the scammer asked me to use Paypal 's " send to friends and family '' payment option which does n't offer said fraud guarantees something that is n't noted in the sending money process.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Credit was issued to me without intentional consent. While using my ordinary PayPal account, the payment method was automatically defaulted to PayPal Credit. I was charged {$88.00} in late fees and interest over two {$7.00} payments on XXXX XXXX and XXXX XXXX. Assuming the first interest charge to be indicative of ongoing rate ( e.g. ignoring interest charged on late fees XXXX, effective APR on {$15.00} credit issued was approximately 150 %. No paper statements were sent, and email statements appeared to be spam. Company was unavailable at XXXX PST to receive formal complaint and request for refunded late fees. Consumer was advised to call back during normal business hours. Payment was made in full to avoid further reprisal.

Company response to consumer: Closed with monetary relief