vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-08 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
To Whom it May Concern. 

I had an established PayPal account that was terminated unfairly. Under PayPal 's Terms and Conditions, I believe I did not violate anything to cause my termination. The response that I was given from Paypal was the following : Our decision is based on one of these reasons : 1 ) You provided information we believe false, inaccurate, or misleading. 
2 ) You sent or received money that could be related to fraudulent activity. 
3 ) You have more than XXXX account with a negative balance 4 ) You are in violation of an agreement you have with PayPal such as the User Agreement, the Commercial Entity Agreement, or the Acceptable Use Policy. 

On XXXX XXXX of this year, I bought XXXX Gift XXXX on XXXX separate eBay accounts ( both under my name ), with the same PayPal account. In no way is this a violation of PayPal 's Terms and Conditions. 

When my PayPal account was limited and I was prompted with the form to explain my two transactions, I told the truth that I used eBay gift cards to buy XXXX gift cards. 

The main issue I now have is that I have XXXX eBay gift cards, each for {$140.00} that are tied to XXXX different eBay accounts, but I need a PayPal account to actually use said eBay gift cards. Now that my account is terminated, I can no longer use the gift cards, thus losing out on {$290.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CO

Complaint narrative:
Calling the number listed for customer service on the Nationstar Mortgage site resulted in automated advertisements for XXXX minutes, with a prompt required for each of about XXXX ads to decline more information, then I was told this was n't a working number and I should call another number. When I called the other number it had the same advertisement routine. Then I tried logging into the web site, but it would n't reset my password although it kept acting like it would -- i.e. sending me a reset link through email. It took a lot of digging to find the corporate headquarters phone number. I was forwarded through XXXX departments there and finally got customer service. But I was aware, and so was the agent I spoke with, that the company was deliberately keeping customers from speaking with a person directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I was referred to XXXX ( XXXX ) by my insurance company after I XXXX. XXXX had me come in six times for very short consultations and XXXX each time. I was not told upfront what the copay was. A few weeks after my appointments, I learned that the copays ranged from {$60.00} to {$80.00} per visit. I was shocked because many of the visits were only XXXX minutes each with a nurse practitioner. When I was presented with my bills ( totaling {$300.00} ), I tried to dispute the claims, and spent hours on the phone with my insurance company and with XXXX. In the end, I ended up paying the XXXX invoices totaling {$300.00} because they would not budge with the copay amounts they were charging, and my insurance would not cover it. I sent XXXX the six payments in XXXX XXXX. By then, my payments had already gone into collections and I was receiving mail from a debt collector between XX/XX/XXXX-XX/XX/XXXX. I talked with them on the phone on three separate occasions, verifying that I had indeed paid the {$300.00}. Finally, after several months of hearing from them, they stopped contacting me. The last time I talked with them, they verified that they noted the debt was paid and that I would not be contact by them again. However, in XXXX XXXX, I was contacted by a new debt collector, called " IC System ''. They maintained that I had not paid the {$300.00} in debt. I called them up right away and said that it had indeed been paid in XXXX XXXX, and I asked that they clarify this with XXXX because I did not want to keep getting harassed after I had paid. On XXXX XXXX, XXXX, I received a letter from IC System that XXXX said I had not paid the debt, and that they were still waiting on it. So today I sent them proof that I had paid, through my XXXX XXXX bank statement showing scanned copies of the XXXX deposited checks. I sent a cover letter along with this proof asking that they please stop contacting me and that they wipe my credit clear of this debt because I had paid it within 3 months of receiving the original invoices. This entire ordeal has been very time-consuming and frustrating because I paid the debt nearly a year ago and am still being harassed about it.

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 2016-07-02 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: I.C. System, Inc.
State: TX

Complaint narrative:
Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to I.C. Systems Inc. I had my Personal financial coach speak on my behalf. XXXX XXXX XXXX spoke with I.C. Systems Inc. This was a Utility Bill from XXXX XXXX XXXX and I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act a Debt Collection Company has 30 days to validate the debt. In my case my debt was never validated by I.C. System Inc. In this case my debt should be removed from my credit report and out of the office of XXXX XXXX because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas no debt collector can collect in the state unless they are register by the State of Texas.

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 2015-04-30 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Regional Adjustment Bureau, Incorporated
State: FL

Complaint narrative:
Three months ago while looking at my credit report, I noticed that there was a collection account for XXXX put there by a company called Reg adjustment bureau. The next morning I called them, they claim to be collected for a company called XXXX XXXX XXXX XXXX and they did not put that on my credit report since they are a non reporting collection agency. I never heard of that company before. I then reached out to XXXX XXXX XXXX XXXX, they told me they were the issurance company for XXXX XXXX XXXX but they did not place this on my credit report. They said XXXX XXXX XXXX put in a claim and they paid it. Now, I had a mortgage with XXXX XXXX XXXX which they fraudutlently foreclosed on when they told me that I was going to get a loan modification. 
Neither XXXX XXXX nor Reg adjustment Bureau is taking responsibility for adding that mark on my credit report. Reg Adjustment Bureau is asking me to pay them XXXX to settle, eventhough they told me that they did not report to XXXX, they are saying until I pay them the item will remain. After pressing the issue with them, they told me that it was XXXX XXXX XXXX who place the item on my credit report. The item does not say XXXX XXXX XXXX anywhere, yet I already have a foreclosure Mark for XXXX XXXX XXXX on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-08 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Venmo has frozen my account for no reason!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 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: NC

Complaint narrative:
The violations that have occurred include, but are not limited to violation of the Fair Debt Collection Practices Act [ 15 USC 1692d ] A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 

The violations that have occurred include, but are not limited to violation of the North Carolina Fair Debt Collection Practices Act 58 70 100. Harassment. ( XXXX ) Causing a telephone to ring or engaging any person in telephone conversation with such frequency as to be unreasonable or to constitute a harassment to the person. 

The violations that have occurred include, but are not limited to violation of the Telephone Consumer Protection Act ( 47 U.S.C. 227 ) by its actions of calling consumer 's cellular telephone using automatic telephone dialing system and artificial or prerecorded voice ; 47 U.S.C. 227 ( b ) ( 1 ) ( A ) ( iii ). 

The violations that have occurred include, but are not limited to false or misleading representations ; in violation of 15 U.S.C. 1692e. Specifically, the use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 

The violations that have occurred include, but are not limited to violation of the Fair Debt Collection Practices Act specifically Notice Requirements of [ 15 USC 1692g ] ; overshadowing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Hello, I recently realized that paypal has made a hard inquiry for a credit card without my permission. Many people have experienced this same issue and there has been a lawsuit against paypal regarding this issue. The option to made a credit card inquiry was already checked for many people without permission. it was deceptive and lowered my credit score. I want it to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-18 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CREDIT ACCEPTANCE CORPORATION
State: OR

Complaint narrative:
Credit Acceptance sold a 19 year old debt to XXXX XXXX XXXX, XXXX in XXXX, IL. now they called me and say they want to collect. The first representative said a court order was already filed in XXXX County under an attorney named XXXX XXXX and that I had missed my court hearing back in XXXX of XXXX. I told him they needed to serve me court papers, he said it was public notice and I do n't have to be served, then I asked him his name and he quickly transferred me to another person. The next person would not give me her name either. but she said this was not filed in court yet and I needed to pay them {$11000.00}. As soon as I told her this was almost 20years old she hung up on me. I tried calling them back asking for an address for the company and the woman on the phone refused to give their business address. I pulled my credit report and they are on it that is how I was able to obtain their address and phone number. How can they have a right to be on my credit report? I resolved this issue back in XXXX, but that company still sold my information to another company. I went through the shooting at XXXX XXXX XXXX and my anxiety has slowly been settling down when this call comes in. Again I am not sleeping, I am afraid to go out doors. Thank you for this website.

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 2017-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: FACTUAL DATA CORP.
State: GA

Complaint narrative:
I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent a letter certified mail because I need a prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 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: NCC Business Services, Inc.
State: CA

Complaint narrative:
Earlier last year an account popped up on my credit report that I did n't owe. When I tried disputing the account through the credit agencies, I got some letters back stating that I owed this money. For months I tried to fight it and could n't get anywhere so I hired a company a few months ago called XXXX XXXX XXXX to look into this debt for me. 

Back on XXXX XXXX of 2015 XXXX, who I will refer to as XXXX, sent the collection agency NCC Business Services my authorization to speak directly to them. A few weeks later XXXX. tried calling NCC so they could discuss the account and NCC kept giving them the run around about how they had n't received the authorization. Finally on XXXX XXXX a representative named XXXX from NCC answered the call and spoke with my representative XXXX about the debt. My representative asked for debt validation and an itemization of the debt. He was given an e-mail to ask for this validation and itemization. My representative did so and has awaited for this itemization. He was told 3-5 business days as a time frame to receive this itemization and he never received it. 

On the XXXX of XXXX my representative then called NCC again as he had not received the itemization and re-requested it. again he was given the same e-mail as before which is XXXXXXXXXXXX. Again he was told to request the itemization by e-mail from a representative named XXXX. Again he did so. He was also told by the representative XXXX that no prior e-mails were received by his company even though the e-mail provided was confirmed as the correct one. XXXX also reiterated that it would be 3-5 business days to receive this e-mail. 

On XXXX XXXX my representative called once more as he had not received anything again. He got into an argument with the collector as again he was being told that no request for itemization was ever received or " uploaded into the system. '' Because they had failed to provide the itemization within their own allotted time frame, and because they were n't even acknowledging that they had indeed received a request for validation, I am now submitting this complaint to you so you can look into their failure to adhere to the F.D.C.P.A. they are jeopardizing my credit and they ca n't even prove that this debt is mine! 

I will provide you with all the e-mails and phone calls my representative forwarded me so you can see that NCC Business Services is not doing their job properly and breaking the law by reporting an account they ca n't validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
In applying to XXXX University for a XXXX, I was required to pay a application fee ; the website used for that fee required a PayPal transaction to take place. Already having an account with PayPal, I logged in an updated my information. When I went to pay with my card that was linked to my PayPal account, I was taken through a series of forms that did not inquire about my credit card. I tried exiting what I was doing, as it was confusing to me. Going back to the main menu, I started over again and attempted to submit the payment, which was {$55.00}. It went through, and I realized that it went through as PayPal Credit, not a charge to my credit card that was linked to PayPal. Assuming at that point, it would deduct the amount from my linked credit card/bank account, I left my PayPal account alone. Two months later, I discovered I had a late fee charge of {$25.00} and also an interest charge, in addition to the {$55.00} charge to the new account that I never authorized. I am aware that CFPB is in litigation over the matter and very pleased that these practices are being condemned. I do not know if there are other ways to protect against such schemes. In any case, PayPal will not have my business, nor any other friends or family members, if I can help it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-19 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I sold an item on Ebay and as a result the item was paid for using PayPal. Unfortunately they keep putting a hold on my funds and I sell these items to pay bills. I was on a probationary hold with Ebay for safety reasons of fraud, but I am the one who is at risk. It is not fair that now they have removed the hold and now PayPal puts one on. I had to pay almost {$75.00} to ship the phone to XXXX and that included insurance and return receipt. This is not right that they do this, when they are the 3rd party and they hold money when the merchandise leaves the seller. The money is the security as the item transfers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-15 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Used the PayPal interest free for 6 months option. I paid my balance in full on the purchase I used it for within the 6 month promotion. I have gotten XXXX statements on the interest and late fees that were incurred during the 6 month promotion. I am now in collections for the fees and late payments that should have never been applied according to the promotion of 6 months deferred payment with no interest. 
There is already a lawsuit settled from PayPal regarding this exact issue and the customer service representatives will not correct problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I received a voicemail from the woman I had been dealing with about my case and she stated for me to call her back. I called the office with the extension she gave me to reach her and a lady answered, never gave her name and I told her who I needed to speak with. She said hold on and transferred me to some man that I do not recall his name. I stated that I missed a call and needed to speak with the lady that I had dealt with prior and he just continued on asking for my information. He then proceeded to tell me my card had been declined and he needed to process it again and asked for my card info. I told him the money would not be there until later tonight because my husband gets paid today. He got rude with me and I said that they were unorganized and he went off sayin " how are we unorganized when you 're the one who 's card got declined '' I then asked to speak to a manager because he was getting loud with me and he told some one in the background that " she said were the unorganized ones but she 's the one who 's card got declined '' making me feel very stupid and talked down upon. When I spoke with the manager I explained what was going on and that I did not know who this man was and I wanted to speak with the lady I have dealt with prior. She said that the woman was off today although I had received a voicemail from her 20 minutes prior to calling them back. I did not feel comfortable giving them my information. No One deserves to be talked to like this when it comes to money. I am struggling at the moment and his rude remarks definitely do not help my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
A representative for PDM ( Professional Debt Mediation ) by the name of XXXX XXXX used intimidation and bullying practices to collect a debt from my spouse and myself. XXXX XXXX spoke in a very condescending tone and also raised her voice in a scolding way as well, on more than XXXX occasion. XXXX example, on XXXX/XXXX/15 I contacted the office to arrange a payment schedule for the remaining debts to be paid. I was advised by the original creditor, a XXXX XXXX XXXX representative " XXXX '' to ask for XXXX XXXX 's supervisor, due to a recent conversation XXXX XXXX had with my husband XXXX XXXX that did not go well at all. I called, asked for her supervisor, and was placed on hold in which seconds later XXXX XXXX was on the line. I told her who I was, and I requested to speak with XXXX XXXX ( supervisor ). XXXX XXXX immediately in a hostile tone proceeded to inform me of what needed to be paid. I waited for her to finish and then stated that I was advised to speak with her supervisor, she raised her tone and said " Look I 'm not playing these games with you! '' I at that time hung up and called the original creditor. XXXX ( original creditor ) called XXXX, and was able to speak with XXXX XXXX immediately. XXXX returned my call to give me XXXX XXXX 's extension, and advised me ( again ) to call XXXX XXXX. I was able to speak with XXXX XXXX, he scheduled the payments to come out on the dates I specified, and stated that he would look into the incidents. I would like to add that XXXX also left intimidating voice messages for both my husband and myself. Though XXXX XXXX ( very polite ) is now handling our account because of XXXX XXXX 's collection practices, I thought it was extremely important to file a complaint. I would not want anyone else to experience the verbal abuse that my husband and I have experienced, at the hands of XXXX XXXX of Professional Debt Mediation. These debt collectors need to always respect others, just because a person has a debt does not mean that you are free to speak to them in a disrespectful, demeaning, and abusive way. Professionalism should always be first and foremost, at all times. Hostility is unacceptable and should not be allowed, ever.

Company response to consumer: Closed with explanation