vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: TN

Complaint narrative:
I had previously disputed this account with the credit bureaus regarding several areas that I believe are reporting inaccurately. I would like documentation to verify the accuracy of the reporting on this account. 

This account was included in my bankruptcy and I feel that the information being reported in not accurate and a violation of the Fair Credit Reporting Act. 

Please provide me documentation proving the accuracy of the parts of your account : Payment History Date Opened High Balance Date Last Reported Current Balance Account status

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Central Portfolio Control Inc.
State: NH

Complaint narrative:
I have told them to stop calling my work phone # and they continue to call it more than once a day.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Mandarich Law Group, LLP
State: MO

Complaint narrative:
have ran XXXX credit reports on me with 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 2016-09-28 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:
There hospital bills which does n't belong to me. It was my EX Husband who was under my health insurance. I have not sign anything at the hospital that I am responsible for any payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Army and Air Force Exchange Service
State: NY

Complaint narrative:
This XXXX will never go into default! How is that possible? 
The company is also using my social as the acct number which means any employee has accesses to my full name and social. 
The card has been gaining interest for the last 3 years so its grown to 10 times the money I actually owed. 
Some one needs to look into what this company is doing to vets.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I purchased a product through Ebay some time in XXXX of 2015. At the time from what I could tell I paid with Paypal. I called paypal a couple of weeks later to mention that I did not see the charge on my account. They said that they could not see it either, I called 5 times to confirm and they continued to tell me that there was no charge but I received the merchandise. It turns out the charge went to billmelater which is now called paypal credit. I was never told of this change. It kept getting notices from paypal that the bill was late but when I logged on the account was fine, no late charge. I think sometime before I made the purchase I remember calling a number that was shown on ebay to extend the period of the credit line. This phone number later I found out was billmelater or paypal credit, I had completely forgotten about the call because that is what paypal credit used to call me, in not so many words, a liar. They waited to the six months expired to charge me for the interest on the purchase and to contact me. Never mind that I called paypal several times and my account is practically in zero balance. No they said there is not they could do, they closed the account and told that if I wanted to pay I need to contact them every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: AK

Complaint narrative:
I took a loan out with Ford Motor Company to boost my credit score, I 've been paying on time for over a year. Still nothing about the loan is reported on my reports. I have called the company to ask for resolution and to no avai, l time will not solve this issue by its self. When I shopped for the loan and agreed to the chosen loan it was with the understanding they reported to all three companys.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Army and Air Force Exchange Service
State: WA

Complaint narrative:
Please see enclosed letter to Army/Air Force Exchange dated XXXX XXXX, XXXX. 

I have never been in the Army or Air Force.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
Back in XXXX 2016 I purchased a new vehicle ( XXXX XXXX ) from XXXX XXXX in XXXX FL. I do n't purchase vehicles on a regular basis so I, like most other consumers are not aware of the car business. The dealer ENCOURAGED me to take a savings in the form of a lease. However, they never told me that I could not sell the vehicle, trade the vehicle or refinance the vehicle when the vehicle is leased. I was under the impression that I had the same flexibility as if the vehicle was financed via traditional means. 
I was greatly surprised when I attempted to refinance my truck only to be told I could not because it was a lease. I was also surprised when I attempted to trade my truck and was told I could not unless I paid the dealer {$13000.00} to take the truck. I think car dealerships should be required to inform customers of these facts instead of leading customers to believe something else just so they ( dealerships ) can meet a sales quota. There should be some law to protect the consumers from dealer price gouging. 
I would like to have my truck financed traditionally so I will have the flexibility to sell, trade, or refinance if I so desire.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
FABCO was supposed to roll the debt into the chapter XXXX, but did not do it correctly and left an additional derogatory mark on my credit. I have made several attempts to contact FABCO and filed disputes with no luck.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Financial Credit Service, Inc.
State: MI

Complaint narrative:
Back in the late XXXX my daughter and myself, agreed to help her then boyfriend out in need of a vehicle so I co-signed a loan for a motorcycle. Her then boyfriend at the time which we did not know of had a criminal record for larceny, stealing, scamming, etc. He was formally charged and taken to court by us and others he had scammed. Regardless I was left with the loan. Originally the loan was through XXXX XXXX Bank. That bank is no longer around and my loan was fully paid, however at the time of my loan being finished, they also had been bought out and no paperwork was ever given to me. Also, please keep in mind records are not kept they way they are today electronically. XXXX XXXX Bank is now defunct and several times changed name, etc. My complaint is with Assest Recovery Services, based out of Illinois, with a XXXX XXXX XXXX This is some fly by night company who purchase lists, bad dept loans, list of names etc, defunct loans for pennies on the dollar and use strong arm tactics to scare people into to thinking they owe money when they do not! They also go by other entities such as XXXX where some angry female calls to let you know you need to lawyer up and they will come after you since they state you meaning me has a criminal record! I will provide the list of names and promises this so called company promised. Once payment was made the final paper work and title would be released. That never happend. They had pertinent info from the original loan with XXXX XXXX but only enough to look legitmate. Here is the following information on Asset Recovery Associates or now XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; Phone # XXXX, FAX XXXX ; XXXX XXXX Account Number they are using ; XXXX ; Balance {$3500.00} and the newly Assest Recovery Associates ARA # XXXX ; settlement {$800.00} ; Collection Manager XXXX XXXX. Who everytime I call back to get a hold of him he is always conveniently busy, in a meeting, in the bathroom, on vacation, basically never there! His so called manager is XXXX XXXX. They have a website that does nothing. I have also filed a police report with my local office in XXXX, MI. The officer took it upon himself to also call Asset Recovery Associates identify himself and they conveniently hung up on him! They now are calling back stating they are XXXX and some very angry female proceeds to make threats and once again some fake case number!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Called outside of 8am-9pm
Company: UNITED SECURITY FINANCIAL
State: CA

Complaint narrative:
United Security Financial Corp continues to call us XXXX and XXXX times a day re guarding our mortgage. They also keep calling up at XXXX when we 've told them XXXX times we live in California. 
We 've asked them to stop called so frequently as we are getting together the paperwork requested.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Army and Air Force Exchange Service
State: WV

Complaint narrative:
My complaint is about the Military Star card. I missed an XXXX payment, but made my payment again XXXX XXXX. Before that, I made a payment in XXXX for {$180.00}, and XXXX payments in XXXX for a total of {$400.00}. I am able to get bank statements to show payments made. The company says I owe over {$500.00} and keep reporting me to the credit bureaus as 30 days late. They said my minimum due is {$180.00} and since my last payment was for {$120.00}, I did not meet the requirements. However, I have been making the {$180.00} payments, and even double it in XXXX. They continue reporting me as late. When I tell them that I 've been making payments, they say I have n't. My last statement says I am XXXX payments past due. If they are doing this to me, I am sure they are doing this to many more veterans. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I elected to start using PayPal for most of my online purchases and I chose the option to have the purchase go to my XXXX credit card account. That worked just fine in the beginning. Then one day I started to receive e-mail notices that my PayPal account was past due. I could not understand this because my purchases were supposed to go my XXXX card account, where I could pay them off each month. As it turns out, I had XXXX purchases that went to my " PayPal Credit '' account. I knew I had a " PayPal '' account, but I did not know I had a PayPal Credit account. At any rate, I contacted PayPal about the matter and I paid them for the XXXX purchases I made, but I requested that they waive the Finance Charges and Late Fees. I asked them to close my account and told them that I would not use their services to pay for purchases. 
Evidently, these request to close my account and waive the late fees went completely unheeded. I have read about PayPal being sued by Consumer Financial Protection Bureau about this exact matter XXXX XXXX 2015. My transactions were in XXXX 2015, so that should have stopped their deceitful practices long before.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: I.C. System, Inc.
State: NM

Complaint narrative:
I received several calls from a company called IC Systems. The calling telephone number was XXXX. The person calling contacted me on my hospital on-call telephone ( I 'm a doctor and was on call ). I asked what it was regarding and the person said " a personal business matter ''. I informed the caller that if this call was not pertaining to a medical emergency or related matter, that it would be inappropriate to use this number. The person ignored this and went on to ask me a barrage of rude and intrusive questions. I firmly asked the person not to contact me again. I then sent a letter to IC Systems address on the internet : I.C. System, INC. 
XXXX XXXX XXXX XXXX, MN XXXX One week later, I received another phone call from them. The same result. Two weeks later ( today ) I receive another call ( from a XXXX ) in the middle of my work day. They gave me no information about what they are calling about, and are rude, intrusive and demanding and, moreover, calling a restricted number for emergencies only.

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 2016-03-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
Please see attached thank you letter I wrote to bill me later for finally correcting the numerous errors on my account and that I truly appreciated it. XXXX-XXXX % of every issue was corrected in my favor. Then I show them my statement just printed for XX/XX/XXXX. Once again they made another error. Circled on page XXXX of statement it says the {$190.00} charge in dispute I do not have to pay yet??? This was a XXXX ticket which delta finally processed a refund for {$190.00} after I called them. Pay Pal received the XXXX refund and notified Bill me later. Attached please find deltas emailed receipt showing this ticket as " XXXX '' status. Which means it was refunded. So why they have not updated this I have no idea. In addition I have been with Bill me later for years, always pay my bill 1 day after bill prints never paid interest, never late, XXXX % payment record. So I must say I received no communication at all except again on page XXXX of this statement in middle it says " Youre account is closed ''???? I have asked them why? No response. It appears even though all disputes were their error and found correctly in my favor they have retaliated for asking for your assistance by not telling me but closing my stellar account. Unbelieveable. What route do I need to take to get this account opened?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-28 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: KS

Complaint narrative:
XXXX XXXX has sent me a bill to XXXX different collectors from my mother in laws XXXX account when we lived at her address. The account in reference does not belong to me or my wife.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A.
State: MO

Complaint narrative:
Do to health issues, loss of employment and a divorce I fell behind which sent me in to the foreclosure process. This started in XXXX, I made every attempt to get a loan modification. I was assigned a Single Point if contact, XXXX throughout the 3 yr process. I 've never spoken to XXXX them. I 've spend over 40 hrs on hold, being transferred to n fro from Dept to Dept. I ended up having to file bankruptcy to get them to work with me. This entire bankruptcy cost me more than my arrears. I finally got my loan modification in XXXX of XXXX. Thank you. But because I was still in the bankruptcy process I was n't allowed to make payments online. To make a payment by phone I 'm charged an extra {$15.00} per month. I 've been told for 3 months now I can pay online but when I try, I receive a msg telling me I have to call. Then I 'm charged extra, on hold and bounced to a minimum if XXXX depts and told I should pay online to avoid the {$15.00} charge. I 'd love to. I 'm very grateful to have gotten the loan modification and am doing great financially but feel I 'm still be prohibited from paying in a normal manner, and charged a bogus fee. This month I started trying to pay on the XXXX and was unable to get payment thru til the XXXX due to being bounced and on hold. I have to work, when I 'm available to hold for extended periods the phone lines are closed. Sometimes people really are trying. But the loop and hoop sytem puts them further behind.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
On Saturday XXXX XXXX We my wife and myself attempted to have coins redeemed at Valley National Bank in XXXX XXXX NJ that my wife 's father had accumulated over the course of the year. 
We had meticulously counted the money and the total was approximately XXXX. The bank personnel assisted us by pouring the money into the counting machine. During the transaction the attendant stopped the machine and loaded an empty back to accept coins. 
After this the machine totaled XXXX cents. I have contacted the bank to no avail. 
Someone is either scamming the machine or it is miscalculating the amounts. 
I am a retired XXXX and am not unfamiliar with unethical behavior. I can be contacted at XXXX my Name is XXXX 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 2016-08-13 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: MS

Complaint narrative:
We purchased a home in XXXX, XXXX. Our insurance payment was around {$2400.00} and taxes {$3300.00}, this was used to determine our escrow amount. In XX/XX/XXXX our insurance premium was about the same and our taxes went down to about {$1800.00}, but our escrow amount increased. Then in XX/XX/XXXX our insurance went down almost {$1000.00} and our taxes stayed the same but our escrow payment increase again. I have asked for a breakdown but what they sent me was the same as what I could see online which does not show why the premium increased. From what I can see they charged me for insurance twice in XX/XX/XXXX. Ive contact the company by phone, email, and internet request none of the responses were helpful. They tell me someone will review the account but nothing has happened. 
Please audit my account to determine why they are charging us more when the payment should be decreasing. Attached are the closing statement and loan activity for the entire length of the loan ( as seen online ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Twice now within 2 weeks I am having problems with money being sent to me via PayPal that does not show in my PayPal account. The first time it seemed to be due to some glitch with their new website that seems to be missing some features or pages of their old/classic website. Both times money was sent, that I could not withdraw. I could see the transactions saying I had money, but it would not reflect in my account. Basically PayPal received money on my behalf I could not withdraw. The first time the transaction was reversed and the money was sent outside of PayPal entirely. Which seems to be my only option at this time. All I am being told is there is some system issue they are working on with no time estimates when it will be resolved. Yet I am able to receive payments before and after this transaction and withdraw those funds. I am not sure what is going on at PayPal, but if they can not handle others money properly, maybe they should not be allowed to do such at all. Something does not seem right, and it is beyond system issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: Mortgage Research Center, LLC
State: MD

Complaint narrative:
I requested a loan estimate from Veterans United Home Loans and received a document with no APR. The quote from them was also missing the loan officers XXXX #.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
A company refunded a payment via paypal on XXXX XXXX. Paypal supervisor XXXX ( XXXX/XXXX/15 at XXXX PST ) stated the funds are unclaimed. I asked her does that mean paypal has these funds? XXXX said, " yes. " I asked them to transfer the funds to my bank and XXXX said they do n't have them. 
There is a serious problem here. She, XXXX, could not provide any cogent answers as to where my refunded funds are. The company that refunded my money said paypal took the money from her account. 
Paypal is not interested in helping the customer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
Purchase made through paypal with paypal credit as credit card was fraudulent. Dispute initiated with Paypal. Outcome of dispute unclear. Case was decided against me apparently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation