vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-19 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: Radius Global Solutions LLC
State: AZ

Complaint narrative:
Some one from this phone ( XXXX ) XXXX claims he is from collecting agency collecting a debt for XXXX XXXX. He has a first name and last name only. When I ask fro the middle initial he always refuses to tell. However he wants my birthdate and/or Social Security number. I will not give that information to no one over the phone. I had given him my middle initial a while back. I had told this person to stop bothering me for I pay my bills on time. 
The man I talked to name is XXXX. I called back to get the company name. 
I know there is a man with the middle name " XXXX '' that do n't pay child support or his bills. 
I was sent a court order from the state of XXXX for me to submit a DNA test. That 's how I found his middle name. 
I got tow calls from this individual today. I finally told him " if you think I owe you money suit me. 

I am tire of getting this calls from this people harassing me. He call XXXX today. XXXX call after the other. Can you please help?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Cash Express, LLC
State: TN

Complaint narrative:
I could no longer pay these enormous charges so I hired a company in FL to take over for me. Either they did nothing or the Pay Day loan company will not accept their terms. I get several letters a week and they have threatened to take civil action against me. I am over XXXX and I get a XXXX check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Simon's Agency, Inc.
State: NJ

Complaint narrative:
I requested validation of the debt from Sim Agency Inc on XXXX/XXXX/2016. Collector has not responded with any information regarding validity of thisdebt. I do not believe this debit is mint. Account # XXXX & 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 2015-04-06 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Dynamic Recovery Solutions, LLC
State: GA

Complaint narrative:
I found a ding on my credit report from this company and have NEVER received a bill or any other communication from this debt collector.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMERICAN INTERNET MORTGAGE
State: FL

Complaint narrative:
I have had Aimloan as a mortgage company for quite a few years and every time funds are due including an insurance claim, an over payment of insurance, and currently an escrow amount due they take months to make payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Thrift Investment Corp.
State: NJ

Complaint narrative:
In XXXX of 2009 I was down on my luck & had bad credit. Thrift Investment gave me a car loan & an astronomical rate ; with no chance of re-finance or early pay-off without a steep penalty. Unfortunately in XXXX of 2009 - I was in an accident and the car was deemed totalled by my insurance company. My insurance company paid them ; but per my insurance rep - they wanted the total payoff of the loan ; not the amount the car was worth retail. If memory serves I bought the car around XXXX ; with an astronomical interest rate for a total payoff of like {$9000.00} ( my numbers here can be wrong, since the paperwork & loan info for the car has been in storage ). My insurance paid them. But apparently not enough. They are claiming I owe them {$69.00}. I tried to call them to day to get information on why I owe them {$69.00} when the car was totalled 6 years ago & they got a hefty sum from my insurance company. The ONLY thing I got in return was verbally assaulted, asked how I could look at myself int he mirror and what the XXXX is wrong with me that I ca n't pay my bills and I was XXXX because I didnt pay my bills. I was never offered proof of this debt or anything. The only thing I received from them was a continual non-stop onslaught of verbal abuse throughout the entire telephone call. I was an still am deeply disturbed by the apparent lack of not only common courtesy but humanity by the representatives of this company. The lack of human decency by XXXX from Thrift Invesntment is something that no human being should EVER have to be subjected to. I was repeatedly called XXXX & asked how could I look at myself int he mirror knowing I dont pay my bills. I was not even given an opportunity to ask for proof of this debt, I was no t allowed a word in edgewise after my initial inquiry to provide my name & ss # - that is when the onslaught of personal attacks began & did not end until I was hung up on.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Strategic Alliances, Inc.
State: LA

Complaint narrative:
I was contacted once by phone from a representative demanding I handle a {$4000.00} balance from an accident I had on XXXX/XXXX/2016, with no proof or verification from the charges. I had made clear I wanted documentation from the damages and list of charges I was to pay for I was told they did not have that information. In my refusing to answer rather personal questions in which I felt very uncomfortable I disconnected the call. A week later I receive a letter from the Office of Motor Vehicles stating my Driver 's License would be Suspended and Registration Certificate and license Plate will be revoked in 30 days. I contacted the OMV and they informed me that I would need to show proof of payment arrangements setup or being made with First Financial Asset Management. I then contacted First Financial Asset Management and they told me since I had disconnected the call that the block was sent by the rep and therefore I must pay XXXX upfront right away because they were aware I needed a legal driver 's license. I was not contacted and made aware of the next action to take place and to impose a {$500.00} charge upfront is unreal and unfair. I made it clear I have a sick mother I care for, and the recent death of my child 's father, and that I could make at least a {$100.00} payment before I had even received the proof of charges, so that shows I was trying to cooperate. This company imposed extra punishments on me out of spite and personal feelings, in turn causing more debt to 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 2017-03-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIGY USA CORP.
State: MN

Complaint narrative:
in a bankruptcy and disagree with the amount stated that I am behind. my attorney left a msg XXXX no return call to her and motion was granted before speaking with my attorney. payments were being made and sent to original lender and not be forwarded on in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Critical Resolution Mediation LLC
State: CA

Complaint narrative:
This slimy debt collection company Critical Resolutions, uses fake names and cloned phone numbers, they already said they closed their file when I provided my bankruptcy discharge when I filed a complaint about them before, however I continue to receive harassing and threatening phone calls from them XXXX phone numbers XXXX and XXXX often the caller identifies them self as XXXX, there are numerous consumer complaints online about this sleazy company I received XXXX phone calls today, home, work and my cell!!!! what else do I need to do to get these people to stop!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2016-02-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: AMERICAN PACIFIC MORTGAGE
State: WA

Complaint narrative:
my name is XXXX XXXX and my mothers name is XXXX XXXX. And XXXX XXXX my mother and myself agreed to start the home buying process we went to a lender through XXXX from XXXX Washington her name is XXXX XXXX and XXXX XXXX my mother and myself agreed to start the home buying process we went to a lender through XXXX from XXXX Washington her name is XXXX XXXX. At that moment we paid a credit check amount to have her overlook our credit at that moment we got preapproved for a {$270000.00} loan we found a house that we loved started the process got to the under writing portion part of the homeowners process we were set to close on XXXX XXXX of XXXX. XXXX called on XXXX XXXX stating that she ran XXXX XXXX 's credit and somehow her credit score went down XXXX points. According to XXXX XXXX 's records the statements that XXXX indicated about past due accounts on student loans is false XXXX XXXX has paperwork from the department of education stating nothing is past due. XXXX did n't say at that point we are not able to get the to the home. when XXXX XXXX spoke with her XXXX said " XXXX up the ball I did not look over paperwork correctly and I am truly sorry.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-20 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Paypal processes payments between buyers and sellers, and they claim to be protecting the buyer against fraudulent sellers ( misrepresented used goods ). When there is a problem, they do n't review the case carefully, and they lacksadaisically inform the buyer that s/he needs to foot the bill for the return shipping and tracking information, even when it is between foreign countries. They have an insurance program to cover these types of disputes, but they do NOT make any of the information available to the buyer. They try to trick the person into paying the bill. I think they are indifferent and lazy, and in this way they passively foster and foment fraudulent activity among predatory sellers. 
Buyer beware, do not use paypal outside of ebay because ebay will protect you buy paypal will absolutely not. PAYPAL = negligence

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
I accidentally mistaken PayPal Credit for PayPal Balance. I switched to a new computer thinking that I was verifying my computer and not knowing I was actually applying for credit application. The application process is so deceptive and I could not make a difference between applying and sign in. This easy process should not be allowed since most of the time when applying for credits, I was asked with XXXX questions about my credit reports. 

I was so surprised because usually " my default payment '' has always been PayPal Balance and not applying for credits. I accidentally applied exactly 25 minutes ago prior to submit this complain. 

This practice should NOT be allowed. Applying credit should not be this easy by just providing your birthday and last XXXX digits of SSN. My personal information was originally intended for PayPal account verification and should not be a shortcut to apply for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I have been a customer of PNC for over 11 years now and have had no complaints until the last few months. I have spoken to several customer service and supervisors over the last 2 months and hope that this letter will get to someone that can take care of the problem. 
In XXXX I became aware that escrow had been added to my mortgage without my permission or any kind of warning or contact from PNC. After talking with several customer service representatives they informed me that a letter was sent to XXXX XXXX 's XXXX XXXX XXXX Va. XXXX informing me that my taxes were not paid and on the mortgaged property of XXXX XXXX XXXX XXXX Va. So I never got the letter because my address is XXXX XXXX XXXX XXXX XXXX VA XXXX. 
After doing some calling and finding out why these tax bills were not sent to my mailing address we found that the county was sending the bill to the old address we lived at 2 years ago and the forwarding was expired. I have since called the County and changed the billing address to XXXX XXXX XXXX XXXX. 

On XXXX XXXX we sent and check for {$1300.00} to take care of the taxes paid and another check for {$1100.00} for the mortgage loan we established in XX/XX/XXXX. The checks were check numbers ck # XXXX {$1100.00} and ck # XXXX {$1300.00} both cashed on XX/XX/XXXX. At this point we need to take care of changing our loan back to the {$1100.00} that was signed and agreed on in XX/XX/XXXX and all escrow needs to be removed from my loan. 

We have never been late on a payment and have automatic deposit set up for PNC Mortgage. I feel they should have sent a certified letter to let us know this change was taking place. Please help us resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I recently purchased an item on Ebay and as with most purchases, had to pay with Pay Pal. I hit the button to go to Pay Pal, completed what I thought was the information to get into my account, which I use infrequently and completed my transaction. Yesterday I received a notice from PayPal Credit welcoming me to PayPal Credit and informing me that I owed them {$89.00} for my purchase. I called the number on the form letter and was told that I had signed up for PayPay Credit during my transaction. I told the gentleman that I wanted the account closed immediately and there was very little push back from the person. My sense, frankly, was that I was not the first person to have been deceived in the process of trying to get to my PayPal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
Paypal/ XXXX, signed me up for paypal credit when I wanted to use my credit card. They claim its my default ; however, that day I added my card and tried to use it. I did not put my social in or anything. I happened to look on ebay and it stated thanks for using paypal credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I have received around {$800.00} in overdraft charges from my bank because I am unable to control Paypal funding sources. Paypal requires that a bank account be linked to the account, and then you also add a credit card for backup funding. I have tried multiple times to modify the priority of withdrawal so that my credit card is the backup source to the paypal balance. Even though I thought I was successful in changing the priority of funds, there were other conditions that I can not easily see or understand causing a draw attempt against my bank. During my most recent calls I tried to have the undesired bank completely removed from the account. The call ended with the phone service rep telling me I could n't do it because there was a pending charge still open ( on XXXX of the overdrafts ) and once that settled I would be able to close. After the charge settled I was still unable to close. I tried over and over, and then stumbled upon a billing agreements section, I also cancelled accounts and made changes, but even those were not effective. Today I called again to complain. The Service Rep to me that charges XXXX go to the balance, then go to bank and then other funding sources. I asked then why is there an option for a backup funding source if Paypal still attempting to withdraw from my bank? I read to her the settings that were applied to XXXX of my billing agreements ( XXXX ) it clearly was set to Balance, then my XXXX CC. She had a XXXX sec silence and could n't respond. This was the tipping point for me, I asked her to cancel my account completely .... she was unable to do this, again stating that because of another open transaction she couldnt do it and that I would need to wait for that to settle. They fooled me on that XXXX in the previous call and it cost me another {$70.00} in fees, so I persisted in requesting that all billing agreements be cancelled. She said she did, and I was online when she said that she performed this, but when I checked, many of the accounts were still active. And again I asked why she could n't simply shut down my account. Frustrated I asked a second time for a supervisor. She placed me on hold and then a few minutes later the call dropped ... I came straight here to provide complaint

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Skyline Financial Corp.
State: TX

Complaint narrative:
I am a XXXX in XXXX, Texas and this complaint is on behalf of myself and my client as well. 
My client was applying for an FHA mortgage with a company called Skyline Loans. The mortgage broker was XXXX XXXX, XXXX # XXXX. The problems were many, but the notable few were as follows : 1. Very shortly after requesting a preapproval from the lender, he mentioned to my client that he recommends the agent ( myself ) to pitch in a non-specific amount into closing costs for a reason both I and my client are unaware of. He then asked me for this amount -- an unknown amount. This was of course an odd request of the client. 
2. I then emailed XXXX to ask why and if this was necessary and a typical practice of his company. This email was met with a general lack of respect and professionalism. I have the emails to prove this. 
3. After this email conversation with XXXX, and after the house was well into contract, XXXX then offered alternative representation to my client with agents he knew that would gladly pitch in some still unknown amount to his closing costs. This of course was not well met with the client, and of course, myself. 
4. I never once mentioned any problems I was having with XXXX until after the deal was closed to my client. However, Shortly before closing date, my client called me late at night and complained to me for quite some time about the general lack of professionalism he received from his mortgage broker ( XXXX ) and that the promises he was assured of in the beginning and even throughout the process have not been kept, and the structure of the deal had even worsened significantly. The client felt there were blatant misrepresentations and told me he " has the emails and text messages to prove it, '' which he very much does. 
5. He once again told the client that the agent would need to pitch in parts of the commission towards closing costs to secure the deal. This is just days before closing. I called XXXX the next morning to alert him of the client soon the make a decision about switching lenders and BEHOLD, suddenly there was a forgotten large amount of lender concessions to apply to the deal that had been conveniently forgotten about. 

The deal closed, but the obvious self-interest at the expense of the client and general lack of professionalism are enough to form this compliant in hopes to alert any member of the public about this broker 's business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I 've been a loyal customer with Paypal for over 12 years and would like to remain so if this is issue is resolved. Paypal charged my credit union twice when I never authorized them to. My credit union charged me XXXX overdraft fees costing me {$52.00} because of their actions. I will like Paypal to please have the courtesy of resolving this issue by calling me directly and paying for this over draft fee because of their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
I do n't owe Ic system, i did n't open an account in XX/XX/1016.They have nothing with my signature, i believe it 's a scam.

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 2016-12-01 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Unable to purchase goods online. Using Paypal is the only allowed vehicle. Can not enter my credit card information without using this service. They have a XXXX. I have verified my information with Paypal numerous times, they still deny me.

Company response to consumer: Closed with explanation