vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-17 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Army and Air Force Exchange Service
State: VA

Complaint narrative:
I became behind on my Military Star Card when my XXXX got XXXX from the military and I lost my job due to being laid off in XXXX XXXX. I was notified after filing my taxes in XXXX XXXX that they would be taking all XXXX of my federal tax refund dollars. After contacting the Treasury office, they told me that the only people who can stop this is the creditor themselves. I reached out to the creditor twice trying to make arrangements as well as file for a hardship. They insisted that they could n't help or withdraw the information from the debt until its paid. Basically telling me they can and will take all the money they can. They also told me that filing for a hardship would take about 30-45 days. When i requested to speak to a supervisor i was placed on hold by XXXX different agents many times. I was given a non-working number and told to call the supervisor and leave my name and number, and they will get back to me as soon as possible within 24 hours. The number I was given for the supervisor is XXXX. I explained my hardship of not being able to pay my rent or utilities, as well as having XXXX children. They did n't care and said sorry this is your debt and we will do what is needed to collect but if you like you can set up a payment plan for the remainder of the balance after we take the refund. How am I to pay that money if I can not even pay my normal bills due to them taking my refund. 

They claim to have sent notice of the offset XX/XX/XXXX due to them saying I did n't have a payment plan in place, I never received anything or any notice to offset. And I was also on a payment plan of {$200.00} a month at the time up until XXXX XXXX when my payments fell behind and they would no longer work with me due to my job laying me off XX/XX/XXXX. 

After contacting this company repeatedly, and them either hanging up on me or giving me false information as to whom i can contact to help me resolve this issue. I am coming here for help. I was basically told after weeks and weeks of trying to contact this company that they will not give any part of the refund of XXXX that they took from my taxes even if I am in a hardship. They claim that the hardship would only help pay the remaining balance after they collected all of my refund that I desperately need to keep my family a float. After lying to me and telling me that they would help and do what they could after speaking to the higher ups they avoided my calls and when I did finally get a hold of them they claimed sorry there is nothing that they can do and I would be on my own and sorry for any inconvenience. This is not acceptable or even fair! I needed that money to pay rent, my lights and water so they do n't get shut off as well as food for my children and these people just do n't care at all!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Mandarich Law Group, LLP
State: IL

Complaint narrative:
Several related complaints : 1. XXXX , XXXX purchased the original debt from XXXX ( managing company for XXXX XXXX XXXX ) 2. XXXX XXXX was the attorney collecting for XXXX , XXXX. 
3. XXXX successfully began a wage garnishment from my employer. In a discussion I had with this company, they lied about the original amount and said they were asking for {$250.00} per month. The amount is actually {$250.00} per biweekly pay period. This should be available on the recorded line we spoke on. 
3. Mandarich Law Group somehow became the new debt collector, taking over for XXXX , XXXX. in the collection process. 
4. Mandarich Law Group began collecting for the full amount of the debt, and claimed no prior knowledge of the payments that I had been making for the past two years and also claimed no knowledge of the garnishment. They just started collecting again for everything. I explained they were collecting double and was told this was for a different debt. It is not. 
5. On XX/XX/XXXX I spoke to Mandarich Law Group and was told my existing balance was {$1000.00} and that the last payment was made on XXXX/XXXX/16. 
6. I asked Mandarich to note my account with the following information : The payment for {$250.00} that was received on XX/XX/XXXX must have been from my XX/XX/XXXX paycheck. On XX/XX/XXXX and XX/XX/XXXX I paid {$250.00} out of each of those paychecks as well. So, according to my calculations, I would only owe {$580.00}. 
7. I requested a copy of the last statement they sent my employer, with the amount they say I still owed. The representative I spoke to refused to provide this information, telling me to get it from my employer ( again, please listen to the call recording ). 
8. After some discussion, I was told that XXXX XXXX would call me back and let me know if they could accomodate this request. 

Complaint is for collecting for a debt that already had a wage garnishment in progress, not providing correct information, misrepresenting themselves as a branch of the government ( they sent documentation that I was being sued again ) and refusing to provide information when asked about this debt. 

Additional complaint is about the interest charges. I am being charged interest on interest and the payments I made are not going to the principal first. The interest rate and fees that I have been charged have been grossly unfair.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: FORD MOTOR CREDIT CO.
State: PA

Complaint narrative:
I voluntarily gave back my care after a horrible divorce in XX/XX/XXXX. I lost my house I was battling my son 's XXXX which he later passed in XX/XX/XXXX. Ford Credit filed judgement in XX/XX/XXXX they served me at my work place. I have not had one letter or call until last week my credit union XXXX called and advised they garnished my account. My bank told me tbat tbey sent notice to my address which was XXXX XXXX., XXXX pa. I have never lived there in my life. Attorney XXXX XXXX of XXXX PA is the debt attorney and a I spoked to him and he will not budge he wants my entire XXXX plus payment arrangements for the remainder of the XXXX he says I owe. The car was a XXXX focus hatchback. Can you help me to get my life 's savings back k

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Bank account or service — Savings account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
A woman named used my debit card without authorization and drained my bank account. She also got into my savings account and drained it as well. I complained to Bank of America. However, they said because she had gotten my PIN number that the transactions were valid. SHE DID NOT HAVE MY PERMISSION NOR WAS THE CARD IN MY POSSESSION, and there is a taped phone recording that backs me up. I have filed a police report naming the ID thief. Bank of America also charged me fees for going over the amount of allowed withdrawals on my savings account it was not me who made or authorized the withdrawals. They sent me a letter dated XXXX XXXX informing that they were seizing all my money and leaving me penniless. There are XXXX claims, XXXX for the checking account and XXXX for the savings account.

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 monetary relief
Consumer complaint received 2016-06-29 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Central Portfolio Control Inc.
State: IL

Complaint narrative:
A lady by the name of XXXX XXXX fron central portfolio control, tele num, XXXX has continued to call me after speaking to the actual company about the situation. XXXX has also called my contacts I had filled in upon getting the loan without permission. I had missed her call again because of my phones virus detection, saying marketing, hence never answered my phone. XXXX left a voicemail so, I called her back. Once on the phone with her, she didnt want to hear a reason to as why because I owed debt and that the month is ending and they need a payment. I as of six weeks ago was laid of from my job and from a single income family with XXXX children, I told her that I will have no problem paying for the two missed payments that I missed. XXXX didnt want to hear this as she said, I do not care what you think of me or pretty much anything you have to say but youre telling me your not going to pay? I said, thats not what I said. She then started to become very angry and repeatedly said, your not paying, your not paying. I then asked, I have no information to who you are and who you represent. I also have no letter on this. Can you please mail me one? XXXX then told me that she is not a mail service and we already mailed one and I k now you have it. I daid to her, Im sorry but I do not. After yelling at me more she said well, since youre not paying this, cause I need a yes or a no from you, I am transfering you. Another very nice gentleman got on the phone, and I asked if he could mail a letter to me, and he said well, we just did yesterday and I will also email you as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CORELOGIC INC
State: CA

Complaint narrative:
A credit report that I recently received indicated that I was in default of payments for what appears to be since the start of 2015. On my end, I made the final payment on the credit card and stopped using the card as the one I had expired. I never received a new card, so did not continue to use the credit card. Upon receiving this credit report, I see that I have been missing payments. Upon calling the company, they have been charging me a XXXX $ " minimum interest fee '', and then a XXXX $ late fee when that was not paid. Again, I was not receiving notifications of any bills or that the card was in any way active. The amount totaled to XXXX $ by the time I received the report, which I paid off immediately. Previous to this incident, I had been making timely payments to this credit card for approximately XXXX years. The company did not do a good job communicating that this was happening with me, and so I had no idea that they were still charging me even though I was not using the card. This has harmed my credit immensely and made it look like I do not make payments on time when this is not the case at all. I have paid the overdue balance and closed the account, and would like my credit score to be repaired.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: CO

Complaint narrative:
I am with the title company and Prime lending does this on several deals I have had them on the other side more than a handful. As for them working with Title to get CD worked up and making sure that we are balanced they do not we get figures and when we do get figures its a couple of hours before we are to close then we are pending the wire and loan docs to come over. ( buyers and sellers are sitting at the table for hours vs. an hour and half that it normally does. They send out only their lender cd with their fees there are no other fees being disclosed like transfer fees HOA dues etc. This is very frustrating and I have had buyers at the table very frustrated and annoyed at their process. 

I have attached initial request to prime lending on XXXX/XXXX/2015 requesting CD so we can balance with their net funding and cash to close for buyer. still at this time we still do not have anything from them this closing has been delayed from XXXX/XXXX/2015 to XXXX/XXXX/2015.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
Started receiving credit card statements from PayPal Credit. 
I NEVER signed up for a credit card with them. I have a Pay Pal account that automatically gets deducted from my checking account. Never once did I knowingly open a line of credit with them. I called them and they said my account has gone in to collections from a purchase I have no recollection of. I asked them to open a fraud investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 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: WA

Complaint narrative:
I received repeated phone calls to my cell phone IC Systems today I finally contacted a manager XXXX XXXX to stop blowing up my cell phone and demanded all communication only by mail be sent to 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 2016-02-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A.
State: DC

Complaint narrative:
I 'VE BEEN WITH THIS SORRY BANK FOR 11 YEARS AND I HAVE NEVER HAVE XXXX MISSED OR BEEN LATE PAYMENT IN 10 YEARS. UP UNTIL RECENTLY I CLOSED MY BUSINESS AND HAVE BEEN EXPERIENCING SOME HARDSHIP. JUST RECENT I 'VE BEEN BEHIND ON XXXX PAYMENTS. I TRIED TO REQUEST A MODIFICATION ON MY LOAN BECAUSE I 'M EXPERIENCING HARDSHIP, AND TWICE I 'VE BEEN DENIED FOR REASONS THAT MAKE NO SENSE LIKE I 'M SHOWING A REVOLVING CREDIT CARD ON MY CREDIT THAT BY THE WAY HAS BEEN CLOSED FOR 5 MONTHS NOW!!! ALTHOUGH I 'VE SENT THEM DOCUMENTS SHOWING THAT THE CREDIT CARD IS CLOSED THEY STILL REFUSE TO HELP ME OUT IN MY HARD TIMES. TO MAKE IT WORSE I GOT CAUGHT UP IN A INTEREST ONLY LOAN AT XXXX XXXX XXXX AND NOW 10 YEARS LATER, I 'VE PAID OVER $ 120XXXX TOWARD INTEREST ONLY, WITH ONLY {$10.00} GOING TOWARDS MY PRINCIPLE BALANCE. XXXX THEY WO N'T LET ME GET OUT OF MY LOAN, THEY WANT TO FORCE ME OUT OF MY HOME BY SENDING ME OTHER OPTIONS LIKE SHORT SALE, ETC. I WOULD NEVER EVER RECOMMEND ANYONE TO APPLY FOR A MORTGAGE LOAN WITH THIS SORRY BANK!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Hello, I am writing to file a complaint against PayPal for their limitation of account functions for no given reason. I followed Paypal 's rules to link my bank account and use that as my main source of payment for online check-outs and out of no where they have stopped me from being able to use it, but want me to use their credit line instead and presents that as my only option. I have been using my bank account ( the same bank account ) with PayPal since 2008 and have n't had a returned or denied payment in all that time. But now PayPal is saying " security reasons '' they can block me from using my bank account at anytime. Why make me link it, if they can make the decision to prevent me from using it whenever they want. 
Then when I call customer service they can not provide a reason for why the account was blocked, all they say is PayPal reserves the right to prevent use of payment options. 
If they ca n't arbitrarily decide when and what payment methods I can use what is the point of their services and then they can not provide a reason for why my account was limited. 
Then they market Pay After Delivery as a service and decide that they can just stop offering it as an option whenever they want for any transaction they want. I used it multiple times on a specific website, then I go to use it again and its just gone. Now I do n't have the option at all even though it still says " Pay After Delivery is your perferred payment method '' in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Paypal has failed to send payment to settle Federal Civil claim, Paypal still continues to placed unauthorized holds on the account, most recent limitation placed the account placed on the account on XXXX/XXXX/2016, was from an Transaction that occurred on XXXX/XXXX/2016. Paypal has also failed to dispute an Transaction in the amount of XXXX, Paypal still operates as an Bank without recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: KY

Complaint narrative:
I turned in the equipment for XXXX XXXX to a technician that had come out to my house to install the new equipment to turn in to the company. The company said they never received the equipment. but said that I never owed them anything. Out of the blue I get a collection for XXXX put on my credit report from a company I 've never heard of ( I C Systems Inc ). When I called the company they still have no record of it but its hurting my ability to get a home loan.

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 2015-06-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
I am currently experiencing some of the problems listed out in the allegations, including an enrollment of Paypal credit without my knowledge, illegal billing practices ( I believe XXXX, as well as a shocking inability to reach anyone at Paypal Credit XXXX or PayPal XXXX customer service who can help me figure out my issue. They are emailing me and calling me every day insisting I owe them money however I am seeing absolutely XXXX activity in my account -- in fact, I do n't think I have ever used their services. However, every time I call them I am on hold for close to 1 hour before having to hang up, and every time I email them, no one is able to help me reach a resolution or aid me in understanding where these charges are coming from. They are saying that my balance is {$570.00}. 

On XXXX I called the CFPB to discuss my complaint and the representative directed me to file this form for an official complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-17 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Flagstar Bank, N.A.
State: ME

Complaint narrative:
On or about XXXX XXXX, 2016, I logged into my Flagstar Bank checking account online. I searched for a way to transfer funds from my Flagstar line of credit to my Flagstar checking account. ( This would have been a draw on my credit line. ) I was unable to find any way to do this online, so I contacted the bank by phone to request a transfer. I was told that I could only draw on my line by writing checks. When I asked why I could not transfer funds into my checking account, I was told that my checking account had been closed and that I would have to open a new checking account in order to access my line of credit. To open the new checking account, I was required to make a {$50.00} deposit from funds outside of Flagstar Bank. On or about XXXX XXXX, 2016, I learned of a third Flagstar Bank checking account in my name, predating the newly established checking account. I contacted Flagstar about this account and spoke with a different representative of the bank. I was told that the third account had been specially established at the same time as the credit line for the express purpose of drawing on the line. This bank representative had no explanation when questioned as to the earlier requirement that I open a whole new checking account. This made me think of the way that XXXX XXXX employees would trick customers into opening unnecessary new accounts. I recently received my first statement for the new checking account, for the period ended XXXX XXXX, 2016. The statement included a {$2.00} " paper statement '' fee. In opening the account, I was never informed of this fee. I believe this to be a deceptive practice, therefore I have contacted the CFPB.

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 monetary relief
Consumer complaint received 2016-04-20 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 signed up with Bill Me Later. I linked a bank account to make payments on that account. When paypal brought out Bill Me Later I suddenly have a Paypal credit account. So my bank account remained linked now to my Paypal credit account. Paypal was always suppose to use my paypal credit for any charges. It went this way for a long time. Then suddenly last month Paypal used my linked bank account to make charges. I called them and informed them I never authorized my bank account to be used as a form of paying for items. It is only used to make payment to paypal credit. They said okay and now they have charged my bank once again and caused the account to overdraft. I have never linked an account to paypal only to Bill Me Later which turned into Paypal credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: I.C. System, Inc.
State: MA

Complaint narrative:
Hi, I have not received any paperwork of this collection and would like to pay and resolve this immediately. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I had XXXX dollars on paypal account that was taken out of my account last XXXX. Can you please have the courtesy of resolving this issue by calling me directly and refunding the XXXX dollars I had in my account from a direct transfer service?

Company response to consumer: Closed with explanation