vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Quality Asset Recovery LLC
State: NJ

Complaint narrative:
I disputed XXXX alleged accounts with QAR, LLC that were reporting in my XXXX, XXXX & XXXX credit files & reports. QAR was not a creditor of mine nor were they working on behalf of a creditor of mine. 

I disputed with the CRAs directly & with QAR but they are still collecting via my XXXX and XXXX credit file without providing proper docuemtation for the alleged debts. As a matter of fact, they are only making generic claims without producing any evidence for the alleged debts. 

I disputed the alleged debts directly with the CRAs 3 times & with QAR 3 times as well. 

Lastly, they claim that the alleged debts were owed to XXXX. However, XXXX has never sent me a bill for payment regarding any outstanding debt. Just because someone claims I owe a debt to someone does not mean I actually owed the debt. XXXX has never reported any information on me to any CRA and only QAR is making the claims. QAR has never sent me a bill for payment as well. The burden of proof is on the one making the claims. 

It is not upto the consumer to disprove that he does not owe the debt. I am merely disputing the alleged debts and QAR should put up or shut up & get out of my life. To date they have done neither.

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 2017-02-20 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SCA Collections, Inc.
State: CA

Complaint narrative:
I HAVE NEVER DONE BUSINESS WITH THEM NOR HAVE I SIGNED A HIPAA RELEASE OF INFORMATION FOR THEM TO OBTAIN MY MEDICAL INFORMATION. MY HIPAA RIGHTS HAVE BEEN VIOLATED

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
I got an email say I applied for a loan and was denied for a loan. I did n't apply for a loan. When I called them they wanted to give me a gift card and more information. I told I do n't need a gift card, I did n't apply for a loan. I just want to get to the bottom of this. He gave me the # XXXX ( which I know is just a directory for info ) and said it was the number to he 's supervisor. This is a scam and how did they get my SSN #?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
I received a phone call at my place of employment from someone who identified them self as a XXXX XXXX at XXXX who was trying to collect a debt. This is the first contact I have had with this party and have received no mail etc I do not know the name of the company and I have no address to send a letter to request a verification of said debt. I do not want to be contacted by phone at work or at home and would prefer email contact. I need verification of said debt and original creditor and any supporting documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: KEYCORP
State: NY

Complaint narrative:
The borrower has been trying to get a modification on her XXXX mortgage for over a year. KeyBank keeps sent her a denial on XXXX XXXX indicating that she did not qualify, but did not provide sufficient detail as to why she did n't qualify or what options are generally available. The borrower appealed the decision, but KeyBank denied her appeal without explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: KEYCORP
State: NY

Complaint narrative:
After speaking with multiple people, through multiple phone calls ( at least 12 with several calls lasting an hour ), and given multiple stories/excuses this issue has not been resolved and is preventing us from selling our house in XXXX, NY. The address given above for Key Bank is based on a letter sent to us stating the loan was paid in full on XXXX/XXXX/XXXX which is inaccurate and the letter was signed by no one, simply ending with " Sincerely '' - no signature. At one point we were told the issue would take 5 days and would be resolved on Monday, XXXX XXXX. When that did not happen, we were then told to fax a signature allowing them to release the information. Our lawyer drafted a letter requesting the Satisfaction of Mortgage be filed and I ( XXXX XXXX ) signed it and it was faxed to the fax number ( XXXX XXXX ) given to us. In calling to confirm the fax was received and this issue could now be resolved could talk to no one who knew anything about the fax but was told the matter would be resolved in 15 days from XXXX XXXX making it now XXXX XXXX to close this matter. On our lawyers advise, we requested a letter stating that fact and also a copy of the Satisfaction of Mortgage. After two, hour long calls on Friday, XXXX XXXX, we are now told by a person named XXXX that he is entitled to 48 - 72 hours to research this matter. NONE OF THE OPTIONS BELOW APPLY. OUR LOAN TAKEN OUT IN XXXX WAS PAID IN FULL BY XXXX BUT BANK DID NOT FILE SATISFACTION OF MORTGAGE RESULTING IN OUR INABILITY TO SELL THAT HOME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-11 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: TCF NATIONAL BANK
State: CA

Complaint narrative:
I have a bank account with TCF bank in XXXX. When trying to use may attached visa card it is declined because they think my purchase has high fraud activity. I was trying to make reservation for a hotel and then trying to by video games from XXXX different days. I have PLENTY of money in the account

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: KEYCORP
State: MI

Complaint narrative:
Two recent payments made to my KeyBank Latitude MasterCard account ending in XXXX from XXXX BillPay service were classified by Key as late, despite XXXX 's confirmation that the payments arrived before the due date. KeyBank charged late fees in the amount of {$27.00} and {$37.00} as a result. 

The first payment was in the amount of {$62.00}, confirmed by XXXX to have arrived by XX/XX/2016. KeyBank did not credit the payment until XX/XX/2016, 11 days later. 

The second payment was in the amount of {$89.00}, confirmed by XXXX to have arrived by XX/XX/2016. KeyBank did not credit the payment until XX/XX/2016, 11 days later. 

In both cases, the 11 day delay imposed by KeyBank on crediting the payments resulted in the payments being considered late for their respective billing periods. 

XXXX confirms that the address the payments are being sent to is : XXXX, OH XXXX This address is identical to the the address I was instructed to use in KeyBank 's letter to me dated XX/XX/2016, following a similar issue involving late-to-post payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ProCollect, Inc.
State: TX

Complaint narrative:
PRO COLLECT INC. I DISPUTED ONCE THEY NEVER MAILED ME ANY INFO AFTER I ASK. THEY HAVE THE WRONG PERSON I NEVER LIVED AT THIS ADDRESS I BEEN AT MY HOME SINCE 1998 HAVE THEM REMOVE IT FROM MY REPORT

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: SC

Complaint narrative:
I 've had a mortgage with Roundpoint based in XXXX, NC since XXXX of 2014. I have a fixed rate mortgage. They have several times attempted to raise my rates, increase my monthly payment, and then charge a late fee. That issue was finally resolved after several months. Then I make payments through their online system which they will not accept. When I call the company, I am transferred and kept on hold for hours, unable to speak with someone about making a payment for the correct amount. I have been given directly conflicting information about the payment schedule by the representatives. Everytime I am able to speak with someone, I am told to sign up for automatic billing which I do not want to do, as they have often charged me incorrect amounts. Every month its a problem. Finally, this month, I mail all of my household bills off on the same day. Every check has cleared except ( guess who ) Round Point. They called me to tell me they will be adding additional fees to my account for a late payment. Then they said they may have already received it but the " system has n't updated ", in which case, I am still being charged and having a negative report on my credit. I called back to speak with someone after verifying with my bank, and I was put on hold then " disconnected ''. Which seems to happen at such oppurtune times. I think they are routinely and deliberately finding ways to overcharge customers. Every month. I could understand maybe XXXX or XXXX mistakes within this period of time, however, this must be deliberate. I would greatly appreciate any help that could be provided. Thank you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TCF NATIONAL BANK
State: AZ

Complaint narrative:
As of XX/XX/XXXX, Gateway One requested an inquiree on my report for no reason and without my authorization. I applied for an auto loan with this company XX/XX/XXXX. There should be no reason that my report should be pulled by this company 2x 's.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Sent numerous certified letters requesting verification never received ANY response. This has been well over 90 days on 3 30 day respond or remove letters. No response and the account ( s ) are still on my credit report WITHOUT being verified

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 2015-04-28 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: IN

Complaint narrative:
I have made an international money transfer through a major Financial services company.After 1 week I received an email saying transaction was cancelled and i will get refund soon. Almost daily i am calling the customer care for the refund. Its been XXXX weeks i am waiting for the refund. I am suffering a lot XXXX because of this issue. Please Help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I made a sale through Ebay, the customer paid via Paypal and I did not receive said payment for over 36 hours. I had to go ahead and ship the item due to Ebay 's policies so I could keep my high ranking. I was not notified by Paypal of any issues and had to aggressively pursue contacting them where I received less than adequate support and NO follow up. This was not an isolated incident, many accounts were affected, some had bank accounts hit a negative balance because of this. Paypal did not compensate us in any way ( a waiving of fees for the transaction, like Ebay has done in the past would be a step in the right direction ) nor have they apologized. A big company should not be allowed to hold people 's money hostage with no recourse available. Very unhappy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
PayPal opened a credit account without my permission. The charges on the account were paid on a Visa or MC credit card linked to PayPal. I tried to call PayPal to no avail. I wrote letters and sent them copies of the other credit card bills showing the charges there. They removed all charges except {$35.00}, which they insisted I owed, in spite of the proof that it was paid on another account. I have written to the Consumer Advocate for Pennsylvania but PayPal will not relinquish this {$35.00} charge. They have added penalties and now say I owe them {$120.00}! 
I have tried to do everything in good faith but they have continued to harass me, reporting this to XXXX collection agencies. This is honestly not about the money. I am not paying for something I do not legitimately owe. I am XXXX years old and have always paid my bills. I do n't know where else to turn for help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: KY

Complaint narrative:
The debt collection agency IC Systems uses disgusting tactics to collect on miniscule amounts of money. They repeatedly called my XXXX-year-old grandmother ( who has never been associated with this debt EVER ) and told her they would come find me and arrest me if I did n't pay a {$250.00} debt. My grandmother has XXXX and this XXXX her terribly. It took me quite some time to explain to her that no one was trying to hurt me and take me to jail. IC Systems even called her a second time after she told them she does n't even live in the same county as I do.

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 2015-09-25 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Paypal closed my business Paypal account XXXXXXXXXXXX on XXXX/XXXX/15 without any valid reason or warning. Most importantly, Paypal refused to return my money and grab the money for 6 months without any reasonable ground. There is more than {$10000.00} in my account. 
Paypal claimed that they grabbed the money to cover any payment reversals. That is a totally fake excuse since there is no payment into the account at all. Their only purpose is to grab customer 's money and profit from it. I can not access my own all legitimate money, which causes enormous financial loss while Paypal profit from using my money interest free. 
Paypal 's act of grabbing customer 's money at will is rogue and illegal, which violates consumer 's property right protected by the constitution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XXXX XXXX 2016 I received a letter from Pay Pal Credit thanking me for opening up a credit card ( I did not open up this credit card ) There is an email address on the letter XXXXXXXXXXXX, it states that this person can go on line and review this account. ( this is not my email address ) I contacted Pay Pal Credit informing them that I did not authorize this credit card and that the charges being made on this card are not from myself. I have contacted and reported this to Identity Theft as well as obtaining a police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Flagstar Bank, N.A.
State: MI

Complaint narrative:
Mortgage loan for Flagstar Bank still reflecting on my credit report and was closed /transferred in XX/XX/2004. Past time for loan to remain on my credit report.

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 2015-10-06 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Paypal closed my account with a {$1000.00} balance. They have said that they will take 180 days before I will receive my money back, which seems outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
On XXXX XXXX, 2015 I received a call from XXXX, which turned out to be from Paypal credit. The call was from their fraud department asking if I had applied for credit since I have an initial fraud alert on my credit file. I told them I had not applied for credit and asked what I needed to do next, they said to do nothing and that my fraud alert was working perfectly. The reference number for this conversation is XXXX. 
Not wanting to leave anything to chance, I checked my credit file that day and found that my credit had been pulled on XXXX XXXX/PPC on my XXXX file. I submitted a dispute with XXXX to which they have already responded that credit pulls are a " factual record '' and that I would need to work with Paypal to remove the inquiry. I have now called Paypal and they have been less than helpful to remove a credit inquiry that we both know I did n't submit. I have to send a letter to a XXXX XXXX in Maryland with no tracking or accountability to remove the inquiry. My concern is that someone has accessed my file, and now there 's a record of that on my credit file and I have not initiated this. I merely want Paypal to correct the issue and remove the credit inquiry from my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-15 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: Crosstown Law, LLC
State: CA

Complaint narrative:
On XXXX XXXX, 2015 I wrote a letter to XXXX XXXX XXXX XXXX XXXX requesting proof that this account belongs to me. To provide me with a copy of any contract sign by me with XXXX XXXX regarding this collection account. They never responded and last week I received a letter dated XXXX/XXXX/2015 from Crosstown Law informing me that they now represent XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 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: CA

Complaint narrative:
I already reported this to the CFPB before. The Case number was XXXX. At that time my problem fixed ( my error collection information has been removed from XXXX ). 

By the way, today ( XXXX/XXXX/2016 ), I 've got same error report from XXXX. I really do n't know why XXXX XXXX company never change error information related with me. 

I 'm not even XXXX XXXX XXXX Customer and also do n't have any Debt record!! 

Please, help me! According to my memory, this is total 4th times Error Report from XXXX XXXX XXXX. 

Please, Could you fix my problem?, This is very annoying me every year, and I do n't want to lose my good credit grade. 

Thank you so much!!

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 2016-04-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Account Management Services, Inc.
State: TX

Complaint narrative:
this was paid either by XXXX or my medical.

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
Consumer complaint received 2017-02-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I have an account with PayPal and have funded it with cash for various purchases and other account activities. PayPal has locked my account due to the fact I transferred money from my PayPal account to my bank account. I currently have {$3000.00} in this account and PayPal is telling me they wo n't refund it to me for 180 days which is unfair and poses a hardship to me.

Company response to consumer: Closed with non-monetary relief