vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-03 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Dear Sir or Madam. 

Would need your help on the following. 

PayPal limited my account permanently due to high number of claims with sellers. All credit cards stored under my PayPal account can not be removed according to PayPal rules. PayPal does not allow to use these credit cards in any transactions processed by PayPal done with or without logging into PayPal account. PayPal is still the only one processing engine for eBay. This limits my purchases on eBay because I can not use any of my cards with or without PayPal account. I asked PayPal customer service to remove my cards. The response I had is : " Thank you for contacting PayPal. While your account is limited you would not be able to remove your financial information. It is my pleasure to assist you. Thank you for choosing PayPal. Sincerely, XXXX. Protection Services Department PayPal '' PayPal limited my ability to make purchases on eBay by not allowing me to remove my credit card information. Is this legal? 

Please help. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: FACTUAL DATA CORP.
State: TX

Complaint narrative:
I went in to XXXX in search of buying a house. After looking at my credit reports several inquires have been made which caused a significant decrease in my credit score. There were credit pulls on XXXX XXXX, XX/XX/XXXX from XXXX and from XXXX on XX/XX/XXXX. I was informed that the pulls would not impact my credit score or be considered as a hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NV

Complaint narrative:
The company formally known as Greentree Servicing LLC, now Ditech Financial, has sent information to XXXX stating that I am late on payments. The account they are alleging is late in payments was closed in 2013 after successful short sale. They sent me notification previously, which I will provide you, stating my account was paid in full and the deficiency was waived. They fraudulently reopened this account previously, damaging my credit score at the time, after which I contacted the CFPB and you ( the CFPB ) were able to contact them and have them send me notification of their erroneous re-opening of my closed account. This should have been an apology, but I accepted their acknowledgement of their error expecting the matter was resolved. Now, again, under the name Ditech Financial ( Formerly Greentree ), they have again fraudulently reopened an account and have sent this erroneous information to XXXX Credit Bureau and are claiming fraudulently that I owe over XXXX dollars to them. 

This is very stressful since they did this to me once previously and now are trying to do it again. I would want them prosecuted and punished to the full extent of the law. They have disrupted my life and caused undue stress and hardship emotionally due to their irresponsible, fraudulent, libelous behavior. Please help me to resolve this again as you did before. I will attach the necessary documents so you can clearly see what they have done. Thank you for your help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
I was XXXX in XXXX in XXXX XXXX and I received an email in XXXX that my Clearance was being Adjudicated, on XXXX XXXX, XXXX a list of the accounts was provided from my XXXX and I then learned one of the accounts involving a Ford Motor Account that had been reported as Charged Off by the Credit Reporting Agency. I was sent a picture of a Collection letter that was sent to my children 's home in XXXX NC, I called the Law Office on XXXX XXXX, XXXX and explained that I was currently XXXX in XXXX and had disputed the account with Ford Motor because I had requested that the account be adjusted for charges and fees paid in violation of the SCRA over the 5 year period I had been recalled to XXXX XXXX. I had been XXXX a few times during that time and had know idea that the account had be charged off or placed into collections, I also stated that I was very willing to pay the account in full, once the charges were adjusted according to the SCRA 6 % Limitations, and that last thing I wanted was for this to become a court case. She told me that the case was placed with the firms office, and they had n't contacted anyone about the account and as long as I was willing to work with them to get it paid, it would n't be filed in a court action. I had been calling the law firm office and was still waiting to hear back about the adjustments, but it was the XXXX holiday and I had n't been able to reach anyone for almost 3 weeks when a Default Judgement was mailed to the North Carolina address in XXXX XXXX. I was never told that a Complaint was filed and the only thing in the mail was a Motion for a Default Judgement without a hearing, there was n't a Complaint Filed that I can see and I did n't want to call the collection agency back after I realized that they had just been stalling me about the adjustments to the account. The judgement has been placed on my credit report by the Court, I thought that they had been notified about my XXXX and that I did n't reside in North Carolina, but a Clerk of Court through the documents filed with the Court on XXXX XXXX, XXXX away. I do n't think contacting the Court myself will help, and even a Attorney would be seen as my representative, and could give the Court jurisdiction. I ca n't afford a Attorney and I do n't trust the law firm who deceived me last year, so I 'm hoping contacting them through the CFPB will make sure I 'm not blocked by a Clerk and a Judge can Vacate the Judgement or Dismiss it. I 'm afraid this Attorney will drain my bank account or something else, she has been sending letter to the house in XXXX and threatening my family. I feel like I do n't have any way to stop this attorney from harassing my family except paying them, I do n't see why they did n't just let me pay Ford Motor in XXXX, is n't that what a Collection Agency does? I will not have any further contact with this firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Credit Service, Inc.
State: NV

Complaint narrative:
I received a phone call today from XXXX. The man on the phone said that they were preparing a suit against me out of Illinois for a credit card that I supposedly refused to pay. I immediately told him I did n't have any cards that were not current. The man on the phone said that this was a credit card that was opened in XXXX and then said the company reported to them that it was open until XXXX with no issues. I told him I did not have that card and I did n't have a card in XXXX that was open until XXXX and I asked him to reiterate that he was planning to file a suit to collect. He said they were preparing the suit and I again told him I did not have that card. He asked me to confirm my name again and what my maiden name was. I have been married for 13 years. I have n't had any credit cards in my married name that I do not still have. 
He asked me about a mailing address that I had over 15 years ago and I again told him, I did n't have that card and certainly did n't have one that was open in XXXX. He then said that the card was open until XXXX and changed the year he claimed it was open until. 
So he said that he would go ahead and put down that it was indeed a refusal to pay. I angrily told him that I was saying that it was not a refusal to pay but that this card was not mine. I did not have any cards that were open in XXXX. He said " That 's okay, we already have you recorded ''. I told him I was going to report him and he said to " Go ahead and report me ''. 
This company, whose name he said was Asset Recovery Solutions, was stating they planned to sue for a card I did n't have and using fear tactics that I know are illegal. The man on the phone refused to give me his name but he had a deep voice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Credit Service, Inc.
State: TN

Complaint narrative:
Received a letter from ARA Inc. stating I owed a debt to XXXX XXXX. I have not had an account with XXXX in over 25 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
My husband was XXXX military at the the time of this bill I had XXXX full medical insurance coverage via XXXX. I never received a bill from XXXX and only found about this debt when I checked my credit report. I contacted XXXX my medical insurance to see why this bill was not paid and they informed me that no bill was ever submitted to insurance dunning XXXX XXXX, 2011. I contacted XXXX about this issue and I asked them to resubmit the bill to my insurance ; they refused. They said they could no longer help me because they sent it to collections. The collection agency said they will remove the report if the insurance company will send them a letter stating that I had coverage. My Insurance says they have no paperwork of any charges/bills from XXXX in 2011, so they ca n't send any letter. Tri-care ( my medical Insurance ) said to ask XXXX to resubmit the bill. Each agency tells me to contact someone else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: STUDENT ASSISTANCE FOUNDATION
State: VT

Complaint narrative:
In XXXX I contacted the company that was servicing my student loan and requested a payoff amount. I was given that amount and paid the balance I was given as the payoff amount. Ten years latter I was contacted XXXX stating I had an out standing balance and with interest had grown to a large amount of about {$3000.00}, they started collections. I can honestly tell you I did not receive ANY correspondence regarding this outstanding student loan during the time period of XXXX. I was monitoring my credit report and never did anything appear on my credit report. In XXXX after I started receiving notices of collection from XXXX on a student loan I assumed was paid-off. I started digging into this matter with XXXX and found out that I was given the wrong payoff amount. Since I was provided the incorrect pay off I tried to negotiate with XXXX to pay the balance only that was outstanding, not the interest that had accrued. I had a meetings with XXXX in XXXX, wrote numerous letters to the XXXX governing agency 's to work with me on this matter and except some responsibility for the error. At each turn I was told I had to pay the full amount. I was not going to pay the full amount plus interest because I had already completely paid the loan off XXXX the full amount I was given. Now 14 years latter I am still battling against this student loan and accruing interest. Not one agency that has been involved with this loan is willing to acknowledge they was an error made in XXXX that has caused me countless years of trouble. I need to find out what agency or person I can speak with that will look into this matter and make the determination that in XXXX I paid the payoff amount I was told. And yes that amount was incorrect it was not your fault. Pay the remaining balance that was due in XXXX and this student loan will be considered closed. I have always been willing to pay the original outstanding balance I just am not willing to pay any of the accruing interest. I was not hard to find in XXXX, XXXX XXXX and so on ... .. 
I am at my wits end. I currently am on a IBR plan and called once again to see about just paying the original outstanding balance. I was told ; wither you pay this loan or not at some point in the future we WILL get our money from the government. Great incentive to work with people who might be in similar positions. Or maybe I am the only XXXX in this type of position. 
Hope there is some guidance or help out there for my situation.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: MO

Complaint narrative:
PURCHASED CAR XX/XX/2015, WHEN PURCHASED DEAL OF 75 MONTHS 0 % INTEREST AND NO PAYMENT FOR 90 DAYS. BECAUSE THIS WAS NOT WRITTEN IN ACTUAL CONTRACT, THEY DID NOT EXTEND THE 90 DAY OFFER. NOW I HAVE A 30 DAY LATE PAY SHOWING ON MY CREDIT REPORT. I HAVE TRIED TO CORRECT REPORTS, DEALER REMEMBERS THIS WHOLE THING BUT SINCE WE SIGNED CONTRACT AND IT WAS NOT WRITTEN IN CONTRACT THEY ARE NOT ABLE TO DO ANYTHING. THIS IS HORRIBLE AND EFFECTS ME GREATLY

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Friendly Finance Corporation
State: FL

Complaint narrative:
I financed a vehicle through FRIENDLY FINANCE CORP. on XX/XX/XXXX. My spouse took the vehicle in our divorce. My ex-wife defaulted on the payment and the vehicle was repossessed sometime in XX/XX/XXXX. The original loan amount was around {$11000.00}. After the loan was charged-off a judgment was obtained against me in the amount {$8800.00} plus accrued interest in the amount of {$1400.00} with 22.9 % interest on the principal balance. I was notified of a garnishment order for this judgment by my employer. I did n't protest the garnishment due to the fact I knew I signed for the loan. FRIENDLY FINANCE garnished my wages from XX/XX/XXXX to XX/XX/XXXX for a total amount of {$14000.00}. I contacted the law firm handling my account on behalf of FRIENDLY FINANCE and was told my case was closed and the judgment had been satisfied. I believed this to be the end of this matter however in XX/XX/XXXX I received a noticed from an attorney representing FRIENDLY FINANCE regarding an outstanding balance of around {$3000.00} for the above auto loan. This time I was served noticed and went to court. FRIENDLY FINANCE was actually trying to obtain or transfer my default judgment from XXXX to XXXX. The judge in XXXX ruled the judgment was paid and that he would vacate the judgment. Now FRIENDLY FINANCE is falsely reporting this as charged off on my credit with a charged off balance of over {$6000.00}, which is incorrect. By my estimation I have paid over XXXX for this XXXX loan. I 'm still paying for this loan everyday due to the higher interest rates on loans term I receive due to this predatory lender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: EZCORP, INC.
State: UT

Complaint narrative:
I received a letter of Loan Forgiveness from EZCORP for a loan that was taken out in 2012. This loan was included in a Chapter XXXX Bankruptcy. I have received several calls from them and collectors trying to still collect on this loan. I have advised them on several occasions that this loan had been discharged on the ChXXXX Bankruptcy. They assured me that it was n't them that was trying to contact me on this loan. Now I receive a XXXX for this loan. The problem is that this information is supplied to the IRS as additional income. This would be correct if it was a loan that I defaulted on and did n't include in the Bankruptcy. Now the IRS is showing that I have an increase in my income by {$1900.00}. This is incorrect. What are my rights and options to get this taken care of? I have tried to contact EZCORP in regards to this, but I can not get through on their phone lines. I even asked them to contact my attorney but they never did.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Rhode Island Student Loan Authority
State: RI

Complaint narrative:
The Rhode Island family education loan which was taken out with my grandmother as co-signer has defaulted and immediate repayment requested. The co-signer, my Grandmother, passed away and the RI student loan authority, through the lawyer XXXX XXXX XXXX XXXX, has filed a claim against her estate. The claim is against the estate for XXXX others whom my grandmother co-signed. The XXXX of us have been repaying our loans, as usual since the loan provider contacts you after the six month grace period. We have been reducing the total amount of loan, but the claim is for the original amount which we all took out. The claim is for {$97000.00} and I know that the claim is off by at least {$11000.00}. I know this because I owed {$17000.00} vs. about {$6000.00} currently outstanding. ( document attached ) Also, monthly payments are being made of about {$120.00} per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Trident Asset Management, L.L.C.
State: OH

Complaint narrative:
This company is making fault reports to all XXXX credit reporting agencies saying this a retail debt which is not true it is a bad check at XXXX. Not contacted by this company to resolve this issue i called them and asked why they were saying this was a retail debt and put negative information on my credit reports. I asked them to remove it and make arrangements to pay nsf checks rep did not want to hear it.i have had bad checks in the past and resolved them and never had XXXX placed on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-21 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: Dynamic Recovery Solutions, LLC
State: PA

Complaint narrative:
I called the company to dispute the validity of the debt and was advised by the representative that while it may take up to 90 days validate the debt, I could take advantage of the discount period in order to settle the debt. I advised that I received notices from two different companies and that was the reason I was in contact with this company. The attempting to collect occur twice before I was told they would send me something in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I was owing XXXX {$1800.00} and the account was sent to Central Credit service for collection. I called Central Credit services and they told me to do a pay off .We agreed on a payoff of $ XXXX.I paid {$1200.00} and i expected the collection to be taken from my credit.I checked my credit and i discovered that Central Credit Services put it in my credit that i still owe $ XXXX.I called their office and i learnt that the debt is for someone else.I dont understand why i should have an account belonging to another individual, in my credit because we share the same surname. I tried every effort to get this resolved but Central Credit Services is not making any effort to help me out.Central Credit service put another individual in my credit because we share the same last name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Simon's Agency, Inc.
State: NJ

Complaint narrative:
I emailed Simon 's agency inc asking for a detailed explanation of a bill they have in my name and when/where the charges incurred. I have not heard back from them. They are reporting to credit bureau and I have NOT sent me a letter or any information as to what this is about. I had a lot of problems as a result of a messy divorce and an ex roommate. I am thinking this has something to do with XXXX of those XXXX situations. I came out of treatment for XXXX a few years ago so I had moved to NY temporarily to be treated at XXXX XXXX XXXX XXXX. I have an ID card from the hospital as proof. I would like this removed from my credit right away until I am given the info requested so it can be resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: IMC Capital, LLC
State: WI

Complaint narrative:
Got an unsolicited credit card in the mail. Call now to activate got a human, not a computer service. Asking for supervisor got " He is not in yet ''. Credit limit was {$150000.00}. IMCA Capital. XXXX. Return address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Activate on line at www.activatecardnow.com. 

This appears to be a site to loan money to small businesses, not a CC supplier. I consider this deceptive advertising and a considerable nuisance as well. It made me suspect identity theft.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation