vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-15 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
PLEASE NOTE : PAYPAL AND BILL ME LATER ARE OWNED BY THE SAME ENTITY I have two accounts : # 1 Bill Me Later / XXXX account # XXXX PayPal Credit account I was staying current on both of them. After XXXX XXXX ( my last payment to account # XXXX, see evidence XXXX ), I was told by PayPal that account # XXXX had been renamed and reclassified as PayPal Credit. It was noted that I need not do ANYTHING further to consider account # XXXX as a PayPal Credit account ( please see Evidence XXXX ). 
You can link your PayPal Credit account to PayPal.com account. However, my original PayPal Credit account ( # XXXX ) ended up being the linked account on the PayPal.com website ( never offered a selection ), with NO ability to link the new, secondary PayPal Credit account ( # XXXX ). I had no idea the functionality worked like this, nor was this disclosed in the PayPal Credit FAQs ( see Evidence XXXX ). Thus I began paying down the PayPal Credit as usually ( # XXXX ) as shown through the PayPal.com website and completely paid that balance to zero ( see Evidence XXXX ). 
Little did I know that # XXXX was never linked to PayPal.com, so I had no visibility into the account or to access statements. I did not know that I had to go to the OLD Bill Me Later / XXXX site to make payments as PayPal was even calling the new product PayPal Credit! This is very misleading to the consumer who assumes his product is called " PayPal Credit '' now. 
This resulted in me not paying off a promotional no-interest offer by XXXX XXXX ( original balance {$450.00}, see Evidence XXXX ). Interest was accrued ( and is still accruing ) with penalties. Interest and penalties as of the XXXX/XXXX/XXXX statement amount to {$290.00}. My proposition to PayPal was to pay the {$450.00} and cancel the card. They refused and demanded I pay interest. I will not do this as I believe PayPal did not take into account situations in which customers would now have more than XXXX PayPal Credit account. 
The situation was further exacerbated when I would call in and the representatives would refer to XXXX accounts as PayPal Credit, which I would then assume was paid off. 
I am a good American who takes his debt seriously ( please see my XXXX, Evidence XXXX ), but feel like I was unintentionally misled by a process that was n't thought through end-to-end. To this day, I am unable to link XXXX accounts to PayPal.com even though they are PayPal Credit products. I reiterate, I am unable to get a holistic view of my credit with PayPal in XXXX spot. I have no problem paying the debt I signed up for, but I would never in my life pay interest on a promotion I knew I had to pay off. PayPal should have disclosed the issue with their linking and informed customers they should continue making payments through the old portals they were used to. Please help, CFPB. PayPal refuses my offer and wants to turn a profit on their poor system design.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-12 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ZWICKER & ASSOCIATES
State: MA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, I cosigned for my son a series of XXXX student loans through XXXX ( XXXX XXXX XXXX XXXX ). XXXX months after XXXX, he began the process of repayment. At some point in the following XXXX years, my son failed to make regular payments and the loans were subsequently turned over to a collection agency called Zwicker & Associates , P.C . 
When they reached out to me for the first time, I was stunned to find out my son and I were into this agency for roughly {$31000.00}. I explained to them that I as a cosigner, had never recieved a notice of delinquency from anyone, not XXXX, nor Zwicker. I asked them to produce notices of collection which they could not, instead steering me back to XXXX who when I called, refused to speak with me. 
My son since made an arrangement to pay them {$300.00} a month for XXXX years and that has now been increased to {$400.00} at 12 %. For a young man starting a career, that is a large sum at ridiculous interest which will take him years to pay off. He also has about {$80000.00} in additional student loans he 's paying down. What I would like to see is any type of collection notice sent to me as a cosigner. I would also like to see something done to eliminate the high rate of interest on these loans. I do n't dipute that the money is owed. What I am questioning is why I never recieved delinquncy notifications as a co-signer. In addition, this all went on my previously clean credit report as charge off 's.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-20 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION
State: MA

Complaint narrative:
They call me up to 6 to 8 times a day and they will call all day on Sundays. We told them that they should n't be calling us on Sundays and they do n't stop. We are only behind about {$200.00} we have talked to them and told them we have been paying {$75.00} over per month on our bill. They said we need to pay the {$200.00}. Our monthly bill is {$400.00}. They have told us that they will keep calling until its paid up to date.

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 2016-09-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: American Financial Resources, Inc.
State: VA

Complaint narrative:
I had been looking to refinance by home mortgage as the interest rates are now lower than it was when I had purchased my home. I found a company called " Elend '' or " American Financial Resources, Inc '' who offered me 3.375 % interest rate and a lender credit of {$800.00} among other costs that were mentioned in the loan estimate which was provided to me by the representative of Elend. A copy of the loan estimate is available with me in the email format which can be provided if needed where the above costs and credits are mentioned. Based on the comparison of rates from other providers I went with Elend ( or American Financial Resources, Inc. '' ) solely because they provided a lender credit of {$800.00} which was higher than other competitors and hence the total cost of closing would be less. 
However, after my loan application was processed ( nearly 2 months after the initial rate lock agreement was signed ) I received a " Closing Disclosure '' document from Elend 3 business days before the closing date in which lender credit was reduced to {$65.00}. On questioning the representative from Elend about why the lender credit was decreased I got a response that it was not something they could do anything about. In this case the creditor ( Elend ) has not complied with XXXX XXXX XXXX ) ( XXXX ) ( i ) because the actual amount of lender credits provided is less than the estimated ''lender credits '' disclosed pursuant to XXXX XXXX XXXX XXXX, and is therefore, an increased charge to the consumer ( me ) for purposes of determining good faith under XXXX XXXX XXXX ) ( XXXX ) ( i ). 
In the hindsight if Elend had let me know from the beginning that the lender credit that they would provide would be {$65.00} then I would have never chosen them as my provider because I had better offers from others. I think that this tactic of mentioning a higher lender credit was used by Elend ( American Financial Resources , Inc ) just to get me to use them and not to actually provide the credit that they promised. They are also in violation of XXXX XXXX XXXX ) ( XXXX ) ( i ). 
I hope an appropriate action is taken.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Professional Debt Mediation, Inc.
State: MS

Complaint narrative:
Female only identified as XXXX XXXX called my personal cell phone leaving a message. Said I needed to call her back and that it was very important. Upon calling, the company directory only identifies itself at XXXX. Accessed the correct extension and the female advises me I owe {$38.00} to an apartment complex. I told her I purchased a home multiple years ago and she said it was from 2013. I have never been contacted about this debt previously and had no idea what it was in reference to. I asked for her to send me a bill because I wanted proof they were a legitimate, reputable company and did n't feel comfortable giving my banking information over the phone. She advised me while I was waiting on the bill she was going to report my debt to my credit and housing report ; yelling saying I was ridiculous. I advised her I work for a police department and that I see fraud everyday and only wanted to protect myself. She advised me that she already knew I worked for the police department because she just called my place of employment since I did not answer my cell phone. She continued to yell at me over {$38.00} so I requested her supervisor. Her supervisor was not of much help but identified himself as XXXX XXXX. He gave me the phone number to the company I supposedly owed money to and gave me his extension so I could call him back rather than the original XXXX XXXX. I told him his employee was outright rude and had no right to yell at me and that as a woman with perfect credit who happens to be XXXX weeks pregnant, I did not deserve to be treated the way I had been treated. He advised me to calm down and that she was not rude. He admitted that he had not listened to the conversation between XXXX XXXX and I and had no idea what she said to me over the phone nor knew if I was rude in return. ( I was n't ) I also told him not to tell me to calm down if he had not dealt with what I just had to deal with and I had not even raised my voice. - Upon calling the phone number XXXX XXXX gave me, the apartment complex representatives were extremely helpful and willing to pull my debt from collections. I am an extremely responsible person and do not avoid my responsibilities. They had no right to call my place of employment, they had no right to yell and belittle me, they had no right to harass me over {$38.00}, and they had no right to deny me proof or explanation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
My son was XXXX and I informed the company that he was deceased and the family did not want the vehicle and that the vehicle was totaled. I also informed them that they can get whatever information that they wanted concerning the vehicle from the XXXX Police Dept. I am not a co-signer or guarantor or anything on his loan. My son had no insurance at the time of the accident and has no estate because he did not have anything I have asked them not to call me anymore. They are calling my cell phone while I am at work 3 and 4 times a day not to mention the number of times that they call my house. The company name is Credit Acceptance and there are several numbers that they call from one of the numbers is XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 00:00:00
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: ZWICKER & ASSOCIATES
State: MA

Complaint narrative:
I am writing about the company called Zwicker & Associates, a debt collector located in XXXX, MA. I live in MA also and when my daughter was at XXXX XXXX I took out a MEFA loan for {$3000.00}. I fell behind because of a XXXX and was unable to keep up the payments. The loan was given to Zwicker and I have been paying {$100.00} a month to them for a couple of years. I asked them for a statement and received something that did not clearly tell me how long I will be paying this bill. I am helping my daughter by paying this bill, because I signed for the MEFA loan and she already pays about XXXX a month for her loans. I arranged with Zwicker & Assoc. to have automatic withdrawal at or near the XXXX of each month. 
I understand that I agreed to pay my MEFA loan of {$3000.00}. As I have been paying on this debt for two years at least, I should have paid {$2400.00} by now. I would like to have a written statement telling me if there are added costs that disallow me from having this debt paid in full in the next six months. Thank you for your help with this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Prospect Financial Group, Inc
State: CA

Complaint narrative:
Prospect Financial Group , Inc. in XXXX XXXX, CA is an unprofessional lending group. What should have been a quick and simple refinance it turned into dealing with a company that made false promises and them dragging out the process that never went any where. They did not provide me with my good faith estimate within XXXX business days once I provided my application. On day XXXX, I still did not have my GFE. This company is out of compliance with HUD.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
Dear CFPB, I, like many Californians, have been fighting to keep my home. I lost my job in XXXX and while I could not make full payments, I made partial payments that the mortgage holder, M & T Bank, accepted for several years. Once housing values began to rise, M & T Bank began a series of moves intending to foreclose on my property. The foreclosure was in place and going to court when I hired a law firm that claimed they would help. They only thing they did was send a letter letting the bank know I was now represented. They did nothing to negotiate lower payments or a more reasonable payment schedule. 

However, I was able to get a loan modification agreement in place with M & T Bank. I have paid every payment on time, in full as required by the agreement. M & T Bank claims they did not receive the payment for XXXX XXXX ; I have a copy of every cashed check since XXXX XXXX when the 1st trial payment began. They received the XXXX XXXX payment of {$1800.00} on XXXX XXXX, XXXX and my bank cleared the check on XXXX XXXX, XXXX. 

They have been reported to all XXXX credit agencies that I have been late on my payments since XXXX XXXX when I began my XXXX trial payment for the loan modification program. They claim I was late for my payment in XXXX XXXX - they received the payment on XXXX XXXX, XXXX and claim that I was late in XXXX XXXX when they received payment on XXXX XXXX, XXXX. 

They have been trying different ways of foreclosure for the past two years and destroying my credit is just another method. I have called the bank a number of times to try to get them to fix the problems and refund the late fees that I paid in XXXX XXXX but did not owe but can not get anyone to actually sit down and fix the errors on their end. 

I am almost XXXX XXXX XXXX, without funds, XXXX and ca n't continue to fight them by myself. I have filed disputes with the credit agencies but they are waiting for M & T Bank to respond, and M & T Bank has no impetus to respond ... in the meantime my credit rating is taking a huge hit. Please help! I can send you copies of all the cashed checks to prove I paid every payment on time. 

Thank you in advance for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: OH

Complaint narrative:
I was formerly a tenant of XXXX XXXX XXXX. The apartment attempted to illegally evict me ( did not notify me prior to eviction proceedings ). I have fought this eviction through HUD. We went to court against the plaintiff XXXX XXXX XXXX, to which, the case was dismissed at the cost of the plaintiff and no judgement was made against me. I contacted the debt collection company that is now managing this debt, and says she can still pursue collection for damages. They are claiming this is for rent and damages, however, it is an exorbitant amount, one of which I do not owe according to Ohio Law. She said the hearing is separate and they are authorized to pursue collection activity. She said the amount could be adjusted to reflect the amount of monies XXXX XXXX XXXX recuperated after acquiring a new tenant, however, this amount has yet to be adjusted. If the case was dismissed in court at the cost of the plaintiff, how can collection supercede a judge 's decision. Additionally, I have been unable to rent due to this disparaging item on my credit report. I am not seeking monetary relief, solely the removal of this item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Northeast Collection Bureau
State: NY

Complaint narrative:
On XXXX XXXX, XXXX @ XXXX XXXX I received a call from XXXX ( Northeast Collection Bureau ) asking to collect a medical debt ( {$700.00} ) for my daughter who 's a minor. They said she visited the XXXX XXXX on XXXX XXXX, XXXX. They had my full name and the last XXXX digits of my social security. They could n't provide me with an account no., physician name and the reason for the visit to the hospital. Since they refused to give me any information, I refuse to give them any information of myself. I hung up my phone and called my child 's insurance company and I was told that there is no outstanding bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Twin City Motors Inc
State: TN

Complaint narrative:
I purchased a vehicle from XXXX using their in-house financing, XXXX XXXX XXXX in XXXX, TN. I paid {$1000.00} cash down, and then they asked for additional XXXX deferred down payment, making a total payment of {$2000.00} down. I was told the warranty was included with the vehicle, but from the contract, I was in fact charged for this. Moving beyond this issue, there were several issues with the car, including the engine needing replaced after only XXXX miles. At this point, we came to an agreement to return the car to the dealership, return {$750.00} of what I had paid so far ( they kept {$750.00}, which they called a restocking fee, even though XXXX stated the restock fee was {$250.00} ). I went to the dealership where my original salesperson, XXXX, gave me a check for the {$750.00}. I brought my copy of the contract so they could stamp it VOID and I would have proof of the contract being cancelled. I was referred to XXXX, in the Mountain Acceptance arm of the business, where at that point I was advised by her that the cashed check was proof enough and refused to void the copy of the contract I had. At this point, I cashed the check against their own bank XXXX, so obviously a cashed check would not provide any proof for me since they have access to that, not me. Now today, XXXX/XXXX/17 I am attempting to get a new auto loan. I was advised by the new creditor that I need something in written, a voided contract or a notice of cancellation on letterheard, showing the loan was closed/cancelled, in positive standing. I called Mountain Acceptance, where I spoke to XXXX and she advised they do not do that, I need to speak to the sales dept. I was transferred to the manager of the lot, XXXX, who advised he does not have to provide anything in writing to me. He then backtracked, and said I need to send him a written request for proof the loan is closed/cancelled, and he then has 30 days to complete the request. I called back to Mountain Acceptance to try there again, but each time I was transferred to the " Manager '' who consistently hung up the call every time I was transferred. At this point, I am not sure where to turn. I do not have the car, they kept half of the money I paid for a voided contract, and now I can not even get a letter or notice to show the car was returned, the contact closed, and no negative reporting. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
XX/XX/XXXX. I was seen by a XXXX XXXX on two ( 2 ) occasions. XX/XX/XXXX & XX/XX/XXXX. I received a call from Allied Collection, stating I have a debt from such named doctor. I was n't made aware of a debt until now, on XX/XX/XXXX. I then contacted the office of XXXX XXXX. Where then I spoke to settle the matter. She was NOT helpful ... .RUDE. I was n't trying to get out from paying what I owe. I just was n't informed or contacted. Which having the same number for over ten ( 10 ) years & residing at the same address since XX/XX/XXXX. Again I do n't believe this action of fees is fair because I was n't contacted, then the time I was contacted and who I was contacted by 3 3/4 years later. Is their a " statute of limitations ''.

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
Consumer complaint received 2015-09-30 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: Account Recovery Specialists, Inc.
State: KS

Complaint narrative:
Arsi garnished XXXX $ from my savings account due to my mother 's debt to them she was a secondary signer due to me being underage for the account. She had no access to my funds nor did she make any transactions in my account it is only mine and they seized all my hard earned money I have no gas for car food or bill money due to a wrongful action from a debt company.

Company response to consumer: Closed
Consumer complaint received 2015-12-03 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: MEDCAH, Inc.
State: NV

Complaint narrative:
There are XXXX unknown collections listed from this company MEDCAH INC. which appear to be inaccurate as they are unknown and outdated disputed several times and nothing received. Please help

Company response to consumer: Closed
Consumer complaint received 2017-02-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Alpine Credit, Inc
State: CO

Complaint narrative:
This collection company continues to call me but they have never sent me any paperwork, no notices and no explanation on what the debt is for. After doing some research I found out that they are not licensed to do collections in the state of Colorado.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation