vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Army and Air Force Exchange Service
State: NJ

Complaint narrative:
Late Payments Being Reported : 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX 30 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX The above mentioned account is being reported as severely derogatory on my credit report. After several statements and confusing correspondence I do not believe that this account is accurately being portrayed on my credit report. I have strong reason to believe that some of the information that is being reported on my credit report is inaccurate. So to clarify the accuracy of the reporting of this account I am formally requesting the following information that is being reported : 1 ) Original Note to ensure the accuracy and legitimacy of the date the account was opened, account number, and terms of the interest and penalties that were originally agreed to. 

2 ) Payment History of the account for the entire duration of the note to review the application of payments to their proper destination 3 ) List of charges and fees especially those assessed after the charge off status on the account 4 ) Date of actions taken on this account including but not limited to the dates of the charge off status, correspondence sent to me regarding the charge off action, and collection activities 5 ) List of the dispute instructions sent to you by the credit bureaus from my dispute letter 6 ) Date of payments and statements that were sent. 

7 ) All address change requests and the fulfillment of the payment change.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Gatestone & Co. International Inc.
State: AZ

Complaint narrative:
I have never been contacted by this company for payment dueThis amount owed has affected my background check which will not allow me obtain employment

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-23 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
this company keeps on calling my sister and harasses her that they are going to arrest me if she does not give them the message. they told her they are a debt collector however they should not have disclosed who they are. she keeps telling them to stop calling. they call her every week at the number noted. she is really angry and would like the calls to stop. I also would like them calling her as my reference.. they are rude and threatening her all the time. this is a 3rd party collection agency and have no idea who they are. please tell them to stop calling my reference and quit harassing her during day while she is working.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 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: NC

Complaint narrative:
XXXX has been trying to collect a debt that is not mines. This debt has been removed from my credit reports before and has now been placed back on my reports by a different collection agency. As well it was placed on my credit with XXXX different amounts.

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 2015-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: IL

Complaint narrative:
A debt collection company which appears to be located in XXXX, ND has been calling my residence several times over the last 6 months looking for a party who has n't lived here in 10 years. I 've advised them as such and they allege they 'll put me on the no-call, bad-number list, but they continue to call in spite of their hollow promises. Their number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XXXX/XXXX/2016, I loaded {$500.00} to my paypal account at XXXX using Paypal at the register ecash. I paid a XXXX processing fee, so my total payment was {$500.00} which I paid with cash. I have my XXXX receipt, which I also forwarded to Paypal for their investigation. 
The load never posted to my paypal account. Paypal has said that there was a known " bug '' during that day that prevented loads from posting. They said that my case is not unique and this issue affected a number of people. I have called paypal 10+ times following up on my issue. They said that they are working to fix the bug, but nothing has been resolved in 1 month. Two tickets XXXX XXXX & XXXX ) have been opened with paypal for the issue. I repeatedly am told that my issue will be resolved within 48 hours and I will be contacted, but I never am contacted. I have spent more than 5+ hours on the phone with paypal. I would like a refund of my {$500.00} + {$3.00} processing fee for a total refund of {$500.00}. I do n't care if they close my account, I am done using Paypal 's poor service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BEXIL AMERICAN MORTGAGE INC.
State: AL

Complaint narrative:
Castle Mortgage claimed we didnt pay our first payment for our loan.This simply did not happen we have documentation that we payed not just on time but early. Since then Castle Mortgage has sold our loan to XXXX. We want to refinance and this is hurting our credit score.

Company response to consumer: Closed
Consumer complaint received 2015-04-15 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
On XXXX XXXX 2015, Paypal Credit conducted, without my authorization, a hard credit check on my credit card account and reported this check to XXXX XXXX on XXXX XXXX 2015. I did not verbally or in writing do a PayPal Credit application. I did not contact Paypal Credit for a new card. I did not contact Paypal Credit for a new credit limit or a different interest rate for my existing PayPal credit card account. I tried, unsuccessfully, to resolve this with PayPal Credit by phone on XXXX XXXX. I have sent PayPal Credit a letter demanding that they provide me with proof of my authorization to conduct a hard credit check on my account -- which is good standing. It is my understanding that if I did nothing to merit such a credit check that PayPal Credit must legally take action to have this report removed from my credit record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A.
State: SC

Complaint narrative:
Insurance payment from my escrow account was not made in time to my insurance company thus leading to late fees and cancellation notices to homeowner. Monies were withdrawn from my escrow account TWICE ( XX/XX/XXXX & XX/XX/XXXX ) thus lowering the escrow account value below allowed limit allowed by Federal law. This appears to be an error since the money was placed back into the escrow account at a later time ( XXXX ). The error does impact the calculated low value for the escrow account unless special provisions are taken. This new " low value '' for the escrow account will or may cause damage to me by increasing my escrow required payments next year after the annual escrow required payment calculation. 

Late fees of {$10.00} were added by the insurance company. 

Cancellation notice sent to me by the insurance company. 

I continue to get letter in the mail requesting that I pay the late fees to my insurance company ( XX/XX/XXXX ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I used a credit card for one single transaction on PayPal and they subsequently attached this credit card to XXXX other transactions over a seven-week period as a " backup payment source '' for each of these transactions. I never authorized this card to be used for this purpose and repeated calls to PayPal brought only their response that nothing could be done to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
A customer initiated a chargeback through their credit card company and Paypal, they gave the customer a full refund without them returning the items. On XXXX XXXX 2016 our company installed a split A/C system at the customers house, the items are as follow : XXXX XXXX : XXXX C/U serial : XXXX A/H model : XXXX A/H serial : XXXX Heat model : XXXX Heat XXXX The item came with 10 year labor and parts warranty and passed all necessary city inspections. After almost 6 months, on XXXX XXXX 2016, the customer initiated a chargeback through Paypal and the credit company, citing defective merchandise. Even though the items have a 10 year labor and parts warranty, we agreed to issue a refund if they returned the items. Even agreeing to pick them up for free. On XXXX XXXX 2016, the chargeback was ruled in favor of the customer, and there was no stipulation of returning the item. So the customer got the money back, which was {$4000.00}, and does not have to return it. This has happened over 3 times between us and Paypal. Where customers have initiated a chargeback, and Paypal claims to have fought in our favor with the credit card companies. In each instance the credit card companies ruled in favor of the customers and they all got to keep the items. We filed extensive paperwork with Paypal showing each step of the process between us and the customer. Our complaint is against Paypal and how they handle their chargebacks. Since we are basically having our A/C systems given out free when the customers do not have to return them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MT

Complaint narrative:
A buyer started a fraudulent dispute wanting his money back. He was supposed to return the item he purchased for {$2800.00} before PayPal refunded the money. The buyer then returned a cheap {$75.00} item and PayPal returned the {$2800.00} to him. I started a complaint with PayPal and they requested among other things an internet fraud report ( FBI ), photographs of the piece sent and the piece returned, a professional appraisal of the item received and the item sent etc. After I provided all the paperwork requested, I spoke with a PayPal representative and was assured she would look into it. PayPal ignored everything I supplied. I lost the money and my item to the swindler who had to proof nothing and with PayPal 's help got away with this scam. I am concerned he will do this again and again and other people will be scammed out of money with PayPal acting in such a unjustified and unprofessional manner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hello, I was subject to multiple " unauthorized chargeback '' scams on PayPal. 
at XXXX i received a notification email from PayPal saying a case had been filed and required a response from me. 
At XXXX I received an email thanking me for getting in touch ( which i had n't, i was asleep ) and that the case had been resolved in favour of the buyer, as i was not " eligble for seller protection '' insurance. 

This can not have been properly investigated and i feel PayPal are punishing me for not using the seller protection program. There is no way they could have investigated this case thoroughly and i am now left out of pocket with a negative balance which i am sure PayPal will pursue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 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:
I had been making online purchases with my Paypal XXXX XXXX XXXX card which was linked to my paypal account. I had been loading my paypal balance with the Paypal XXXX card so I can make online purchases. I had sent {$50.00} to a friend for his birthday and just performed online shopping as I have done for the past year which was the only transaction which was not typical of my account. I get a notice that my account was permanently limited for violation of T & C and my debitcard was closed. 

I have been doing online shopping via this method for over a year and was not aware that I was in violation of policy. When I called paypal and was asked what I was in violation of, the reps were not able to clearly articulate the nature of the violation. 

My Paypal Case ID Number : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-04 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Crosstown Law, LLC
State: FL

Complaint narrative:
I hired a company to clear false information in my credit report. I received this letter from Crosstown Law, LLC representing XXXX XXXX XXXX , XXXX. Threatening legal action etc. if I do not pay the amount they requested and/or contact them to dispute or validate said account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 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: MD

Complaint narrative:
My dog was enrolled in XXXX XXXX XXXX vet plan, this is true, no dispute HOWEVER, XXXX XXXX XXXX Breached their Duty of Care to my Pet, negating to provide proper XXXX services when scheduled and it is my contention waiting for them to reschedule caused my pet further damage. 

My dog had XXXX and was to have XXXX checked and removed and also had developed what we later found out was a XXXX, which began on her XXXX and ultimately spread everywhere. She had her XXXX on XX/XX/XXXX..her appointment at XXXX was XX/XX/XXXX which was approximately two weeks and they called and cancelled as they had some doctors leave their employ and were unable to see my dog who needed to be seen. I did let the girl who called know that XXXX needed to be seen and she advised they were arranging for vets to come in and would call me. I never got a call, XXXX in spite of the collar we had for her and the XXXX got worse. I called the Bureau of Veterinary Medicine and found her old doctor who was aware of her severe health history and eventually took XXXX to see her, by that time, I had spoken with a doctor and used home remedies like XXXX to relieve some of the symptoms but XXXX was XXXX by this point. Once I got all of this done and the doctor was finally able to see XXXX it cost me XXXX and this was a discounted price because they knew I had saved XXXX through a animal rescue and did not have this kind of money. 
The credit agency is performing a service however, they have been informed that they should not be trying to collect this debt. If this debt appears on my credit report, I have sought legal representation and will dispute same with documentation. If they file in a court of law, I will also file suit against XXXX XXXX XXXX for neglect and damages done to my dog. A complaint has been filed with MD state against the clinic involved and XXXX XXXX XXXX in general. I have explained to the collection agency who calls non-stop, that I will pay a bill, but I will gladly meet them in court before I pay this billl as their client breached our contract by breaching their duty of care to my pet and their veterinary oaths hanging on their wall. I will never deal with them or with XXXX ever again. There are too many venues around who actually care about pets. I used to spend all of my pet money in XXXX as well as my friends, the animal rights people and boyfriend. I have not even begun to publish the complaints I have about how my Hope was handled and how I was harassed by both XXXX and this credit agency for money. 

Thank you for your time, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 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: PA

Complaint narrative:
The company I.C. SYSTEM INC. has a dept on my credit report for {$1600.00}. After doing research I found out that someone stole my social security number and opened up an XXXX account under the name XXXX XXXX. They also used a XXXX XXXX XXXX which I never owned. They opened up the account in XXXX XXXX back in 2011, Which I was living in XXXX XXXX. I found out by the XXXX company that that person was using a stolen Credit Card to pay for the account. The account was closed and was sent to the dept collection agency.. So that person used a fake name with my social. I want to dispute this off of my credit report, because never mine, and the account was opened up illegally. I never went by the name XXXX XXXX.

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 2015-12-11 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: NJ

Complaint narrative:
I got a XXXX prepaid wireless plan some years ago. Somehow without me signing or agreeing to a contract XXXX Switched my plan to a post paid account and put me into a contract and has been trying to collect money not owed to them. I paid my last bill in-full before switching to another phone carrier. They have put this on my credit I have complained they have removed it but subsequently sold the account to another collection agency called I C System Inc. I would like this removed immediately. There is no executed agreement between myself and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Darnel Quick Recovery, Inc.
State: CT

Complaint narrative:
My information was shared to a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XXXX XXXX, 2016, Paypal processed an unauthorized virtual transfer request from XXXX for {$230.00} resulting in several failed transfers from my bank. Paypal processed the unauthorized charge without receiving funds from bank due to the fact that the transaction was not authorized Paypal proceeded to harass me for their failed virtual money transfer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
During the XX/XX/2015, we decided to look for a better mortgage loan than our current one. It was an FHA loan with a modification and a first lien of {$150000.00}. After searching and reading we decided on Flagstar Bank. Our monthly payment was {$2300.00}. Two months after we had signed escrow papers and started monthly payments we received notice that escrow had made a mistake. They had included only the first six months of our property taxes. Our monthly payments were going up {$500.00} each month for the life of the loan. I asked if they had any suggestions or could help us and I was told I could sell the house. I was upset that we had paid {$7000.00} in escrow fees just to gain a monthly payment similar to the previous loan. 
I started to look into alternatives such as : " Keep in California '', the State Controller 's Office, XXXX, the XXXX, and HUD counseling. We were told we had too much money ; we were told we needed to go in with another person so we would have enough money ; and they did not like that we had used XXXX services. We did not have any money removed from the accounts, but a few accounts lowered the interest rate. 
At the same time we tried to work with Flagstar. We were assigned a Flagstar representative to help us, but she never called or e-mailed us. I finally asked Flagstaff if they could extend the new payments. They did so for one year. Later, I found out that they could have extended the payments for up to five years. At the same time they sent us a streamlined refinance, but it still had a large monthly loan payment. I currently am waiting for another loan, but have not heard anything about it. 
We also were given a compaints officer from FHA who sent two e-mails and a call saying that she was waiting for Flagstar to finish looking over the escrow papers. So far, this has taken almost three weeks. FHA referred me to our complaints officer 's supervisor who never did call us.

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 non-monetary relief
Consumer complaint received 2015-06-03 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Receivable Asset Management
State: IN

Complaint narrative:
Kramer & Associates is contacting co-workers, family and friends who are not listed as references anyway. They disclosed to my mother that they were a collection agency ; they have left messages on my work phone and continually harass my cell phone.

Company response to consumer: Closed with explanation