vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Army and Air Force Exchange Service
State: MD

Complaint narrative:
CAN AFFES CHARGE US XXXX PAYMENT ON A PAYMENT OF XXXX FOR AN ACCOUNT IN COLLECTIONS AND WE ARE NO LONGER CHARGING

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Trident Asset Management, L.L.C.
State: GA

Complaint narrative:
Trident Asset Management is attempting to collect a debt from me that I do n't owe them. I never established a contract with this company and they have reported negative items onto my XXXX and XXXX credit reports which is in violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: FORD MOTOR CREDIT CO.
State: MN

Complaint narrative:
Monday XX/XX/2016 at XXXX I was contacted by XXXX with Ford Motor Company . He was very abrupt and was demanding proof of my husbands military status. I was 48 dpd at the time of the call on Monday. I was informing him I would be able to make a payment, to which he advised me was not acceptable unless I brought it totally current that day, and if I failed to do so, would request a Strict Compliance Letter. He made this threat to me only after I informed him that I had not been answering some of their calls because their caller id had changed. They now mask the calls, so that the caller id reads " XXXX operator " XXXX '' - and informed him that the CFPB could view this as a deceptive practice. It was after that point in the call his tone and demeanor changed despite my offer of payment, and he then threatened repo after I brought to light they may have a CFPB violation or concern. I was simplay trying to ask him if they could call me with something other than XXXX as the caller id. - I understand Ford is a First party creditor and is not bound by fdcpa. But they then called me 3 minutes later after this phone call occurred! The next morning They called me every two minutes again from the Caller ID XXXX XXXX OPERATOR. My concern for Ford is two fold. They are treating this account emotionally, as I apparently upset the collector with my CFPB concern, then manually requested a Strict Compliance Letter ( aka repo letter ) even though I had a pending debit on file. Then has called me repeatedly, literally minutes apart. They made an emotional decision, which I assure you if their accounts are audited, you will see their customers do not have a consistent time frame in which the " SCL '' letter is requested, and also that they are performing deceptive practices by having their calls appear os " XXXX '' operator on my phone, where it never used to. I do feel that although the FDCPA does not bind them from repeated calls. Every two or Three minutes, even with a contact from me is a form of harassment. Especially when I had a payment arrangement pending in the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Financial Credit Service, Inc.
State: GA

Complaint narrative:
I received a phone call at XXXX XXXX ET on XXXX XXXX, 2016 from the office of " Attorney XXXX '' of Asset Recovery A ssociates, Inc. ( ARA, Inc., phone XXXX ). The call alleged that I was named in a judgment hearing by XXXX XXXX, for a debt that was almost XXXX years old. The person on the phone asked if I was aware of this litigation, which I was not. She then proceeded to say the debt was attached to my SSN ( which she did not give ) and recited my date of birth. She kept repeating the name " Attorney XXXX XXXX '' in response to any inquiry I had, as if that was supposed to scare me into paying on the spot. I told her to send any information regarding this matter to me, in writing, and hung up. 

While I do not dispute this almost XXXX-year-old debt, I am complaining about the fraudulent, intimidation practices used to try and collect this debt. If I were truly being sued, I would have received formal, writren notification by now. 

I have also filed a complaint with the XXXX of XXXX Illinois ( XXXX complaint # XXXX ), as an internet search showed that this company had multiple complaints ( XXXX and otherwise ) against it. Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Trident Asset Management, L.L.C.
State: MD

Complaint narrative:
I have been trying for a while to validate an item that they are wrongfully reporting on my credit history. I have been very clear about the information I need but have n't received the information I requested. I do not have a contract with them nor the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-19 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
On XXXX/XXXX/2015, I was purchasing a {$3.00} item on eBay. I logged into my existing PayPal account, changed my payment method from " bank account '' to " credit card '', and clicked a green [ Apply ] button. After scrolling through some disclosures, which I assumed were updates to PayPal 's terms, I realized I had just opened a new credit account with a {$1000.00} limit! I do not want the credit account or even a credit pull on my credit history. Also, I received an email from " PayPal Credit '' saying " Thanks for making a purchase with PayPal Credit. '' That is not the payment method I used for the purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: EQUITABLE MORTGAGE CORPORATION
State: OH

Complaint narrative:
Equitable Mortgage is advertising for a realtor listing on XXXX. they are offering financing for the listing with No APR and I also question if this is a respa value with expecting a loan in return for opening up my data base for marketing mortgages to them. No cost to the agent ( clearly a thing of value ) in addition no monitoring of APR in advertising rates to customer for that home with a discounted fee! this does not seem to be uniform and if this is OK I would like your approval so I can indicate to other lenders this is an acceptable way to solicit mortgage via Agents? 
thank you I have copies of the XXXX postings.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Trident Asset Management, L.L.C.
State: MD

Complaint narrative:
RE : Trident Account XXXX Dear Sir/Madame : On XX/XX/XXXX I have sent a notice to Trident Asset Management pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 
When I called to follow up I was told that they have not received the notice, so on XX/XX/XXXX I filed a XXXX Complaint and forwarded a copy of the same request to Trident Asset Management. 
I have asked Trident Asset Management to validate the account and requested the account related documents. 
Instead of sending the documents to me, Trident Asset Management responded that they have sent something to me XX/XX/XXXX. I have never received any notice, letter or validation documents from Trident Asset Manage Management. To this date my requests for validation remain ignored. 
A certified mail sent to XXXX XXXX XXXX XXXX, GA XXXX remain at USPS PO Box unclaimed ( USPS tracking number XXXX ). 
It seems that the request for validation is deliberately and willfully ignored, and the company is in breach of Fair Debt Collection Practices. 
I do not recognize this debt and I request the company to immediately provide all the evidence to substantiate the claim that it 's a valid debt which I have legal obligation to pay, or cease any and all collection activities which includes furnishing inaccurate and unverified information to Credit Bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: FORD MOTOR CREDIT CO.
State: MS

Complaint narrative:
* My reports continue to incorrectly show me 30-days past due XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX on my Ford Credit account. 
* Attaching letter dated XX/XX/XXXX requesting correction of these items including supporting documents, i.e. bank statements showing no interruption in payments for period XX/XX/XXXX-XX/XX/XXXX. 
* As of XX/XX/XXXX, I have not received a response to my XX/XX/XXXX letter. 
* REQUEST : Please help me get these items corrected on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-12 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Central Portfolio Control Inc.
State: NV

Complaint narrative:
Call from XXXX XXXX for a debt from a college in California. Told him ok let me make a file for him and his company so I know how much and who I need to get ahold of. Got his name, phone number but when I asked for his mailing address he started getting hostile. Talking over me. and REFUSED to give me a mailing address. He threatened that he would take everything I own if I did n't pay. I told him I was recording and he hung up on me. The number he gave me XXXX is a fake number. 

I called back on XXXX, the number my phone picked up and it went straight to him. He did not answer as Central Portfolio Control.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 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: Pathfinder Credit Services
State: OK

Complaint narrative:
I tried to enroll in XXXX in XXXX. My Family paid for my fees by check. Later on I got a bill from Pathfinder Credit. We checked with the bank and sent a copy of the check we had paid with to XXXXXXXXXXXX. I asked to please stop all attempts to collect and remove it from my credit report since it was never owed. That was almost a year ago and its still on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I made an account on PayPal so that I could transfer money to my bank account from ebay sales. However, PayPal took {$6.00} out of my checking account for a shipping label without my permission. PayPal needs to put the money back into my account. After PayPal transfers the money back into my checking account, it can close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19 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: AZ

Complaint narrative:
Ic systems never sent any debt verification to allow me to dispute as I have never had 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 2016-12-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
As a verified PayPal member, I am trying to make a simple purchase of {$250.00} on eBay for a PayPal Digital Giftcard auction item. PayPal, yet again, will not allow me to make a purchase because, according to their telephone agent, a transaction was recently made on my account which used my connected bank account. A standard response of " we 're trying to make sure you 're account was n't hacked '' will not suffice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-27 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
In XXXX 2015, I purchased a small welding machine online through Paypal. I remember typing in personal information including my last name, email, address, social, and credit card info. A few weeks later the tool I bought was delivered to my house. XX/XX/XXXX, I received an statement from Paypal Credit through my email stating that I owed money to them for this tool. At this point I have never even heard of Paypal Credit, and I was sure I already paid for this tool. 

Immediately, I pulled up all of my past credit card statements looking for the transaction I was sure I made back in XX/XX/XXXX with Paypal. I found nothing. To my surprise I came to the conclusion that my credit card was never charged back in XX/XX/XXXX. Next, I decided to call up Paypal customer service to straighten out this situation. I learned that I was somehow signed up for Paypal Credit which was a complete mistake. I was deceived and tricked into signing up for this service. I would never sign up for Paypal Credit. At the time I was certain I was signing up for a new Paypal account to buy this tool. 

On XXXX/XXXX/15, I sent PayPal Credit a check for the price of the tool which was {$250.00}, I refused to pay {$140.00} they claimed I owed in late fees and interest charges. 

I do not buy anything on credit, I pay off my statements monthly. I have sent XXXX separate letters to their headquarters, and my wife, daughter, and I have made several phone calls to them. They give us the 'run-around ' every single time and now my fees are up to {$220.00}. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
We, my wife XXXX and I, entered into an agreement with XXXX ( XXXX ) for points on a timeshare in Tennessee on XX/XX/XXXX. As part of the agreement we made application for a loan through PayPal Credit ( PPC ) for approximately {$5000.00}. On XX/XX/XXXX We signed a form provided by XXXX that indicated we were approved ( attachment # XXXX ) After reviewing the documents at home we decided that we had been victimized by XXXX an pursued legal action to cancel the agreement ( attachment # XXXX Summary Statement ). On XX/XX/XXXX we received a letter from PPC dated XX/XX/XXXX informing us that our credit request had been denied due to their standards for approval ( attachment # XXXX ). We assumed the agreement with XXXX was nullified and we would be contacted by them to renegotiate or terminated the agreement. 

In XX/XX/XXXX we instead received a statement from PPC indicating we had an account and we were subject to pay the amount authorized ( attachment # XXXX PPC Statement ). 

We communicated with PPC to tell them we had initiated legal action to terminate the agreement with XXXX and felt the amount charged to us was therefore invalid. We asked them to investigate the process for the granting of credit attachment # XXXX request for review ). 

They denied our request and stated via mail that we were expected to honor our agreement with PPC ( attachment # XXXX PPC Response to request for review ). 

My contention, as it pertains to PPC, is that we were denied credit based on their established terms. Denial of the credit worked to our advantage because the terms established by XXXX were not consumer friendly ( please refer to attachment # XXXX Summary Statement ). However, PPC entered into a complicit agreement with XXXX to override their own standards and extended the credit after it was denied. I consider that and act of collusion. 

Furthermore, XXXX gave me the false impression that credit had been approved by PPC on XX/XX/XXXX when in fact it was denied on XX/XX/XXXX following the submission of the application to PPC by XXXX on our behalf. I consider that predatory loan practices. 

Following legal advise we will honor our signed commitment to PPC for the amount charged against our credit. However, we consider this debt to be the product of acts of collusion between XXXX and PPC and predatory loan practices by these same named merchants. 

At this stage in the matter before you we not contemplating the pursuit of additional punitive damages nor reimbursement for legal fees incurred. We are only requesting non-punitive relief from this obligation against our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA

Complaint narrative:
I lived at XXXX and I was ordered off the property by XXXX county courts wa. My ex stayed and then later clened the apartment out and left before the contract time. When I applied for another apartment they denied me and said I owed an large amount to them. So I contacted them and asked them how to settle it and the amount and they would n't tell me anything at all. They told me to contact the debt collector they sold the debt too. When I did they will not answer or return my calls. So I looked into it by checking my credit and it is saying I owe XXXX different amount totaling XXXX. I could n't believe it. So I called XXXX back and demanded an break down to why I owe that rediculous amount. They told me to get bent. I believe there is some illegal stuff going on with this. No one will contact me or give me paper work on the break down so I can take it to a lawyer. If you look at my credit it is listed as IQ DATA INT XXXX and IQ DATA INT XXXX. I am disputing this and asking that it be removed or they prove in a broke down letter why I owe this rediculous amount to take to a lawyer. Thank you for you Time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 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:
Hello, I 've been XXXX for over 8 years now, XXXX on XXXX and Ebay, and using Paypal to accept payments from my customers domestically and internationally. I have perfect feedback on both sites and many many returning thrilled customers, dedicating my life to making my customers happy. In XXXX after a customer in XXXX had apparently used a stolen credit card for an item they purchased in my XXXX XXXX and then subsequently filed a 'chargeback ' ( to which I immediately gave my okay for the funds to be returned to the rightful credit card holder, even though I believe this customer was using this stolen- or not stolen- card to defraud/steal from me ), I had my Paypal account 'Reviewed '. During this review period Ebay also closed my store because of their rule that all sellers must have a Paypal account in good standing and Paypal is the only method of payment sellers are allowed to use. After about 2-3 weeks of worry, phone calls and much travail I received an email from Paypal stating that they had decided to reinstate my account but that they would now withhold 25 % of all of my incoming funds for a period of 4 months ( a 'rolling reserve ' ) starting immediately ( no warning whatsoever ). They said this is due to a number of reasons, XXXX of which being that my credit score was below XXXX etc., etc. and that I had a high percentage of chargebacks ( I believe I have had less than XXXX in the last 12 months- XXXX of which were no fault of mine whatsoever ), blah blah blah. They are now holding about {$3000.00} of my money as of the date of this writing, and Paypal in the email ( see attachment ) also stated that I am not even allowed to ask them to re-review my account until after XXXX XXXX 2015. I would like Paypal to release my funds immediately, for XXXX thing because they are a Money Transmitter, NOT a bank, and as such should not be legally allowed to withhold money for the length of 4 months, regardless of whether or not it says this is okay somewhere in their giant and ever changing user agreement that they make all users sign, also because this has caused me to now have trouble filling my orders and paying my bills and will ultimately ( and possibly very soon unless I 'm able to get a loan ) make it impossible to stay afloat. Please help. There are also many others out there like myself, I am by far not the only XXXX. Paypal should be stopped from being able to abuse their power anytime they feel like it- at best it 's extremely unfair and at worst, it 's illegal. 
Thank you so much for any help. 
NOTE : I had to choose only XXXX option below, but really it should be both domestic AND international money transfers, as my funds being held are from both types of transfers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
XX/XX/XXXX paypal was going to charge me {$16000.00} when a buyer wanted to charge back all her purchases for 3 months to myself and about XXXX other merchants. We all submitted positive proof of her making the buys including government Id and her holding photos stating she was making the purchases. Paypal at first sided with all us merchants, and then later reversed themselves and charged us all with the purchase amounts. Every merchant then filed with the FBI and eventually the FBI investigated and seized her computer and the pictures were still present proving she made the purchases. Also we each filed with the CFPB against paypal and paypal then issued each of us credits for the chargebacks because paypal " violated its own policies '' regarding chargebacks. At the time paypal instituded a {$200000.00} reserve on my account for selling only, which means I would have to deposit {$200000.00} or sell {$200000.00} before I would receive any money. Paypal withheld all my remaining money at the time which was about XXXX into the reserve. So for the past year, I have n't sold anything. I only used my paypal to pay for things and had no problem with this arrangement. A couple days ago, however, paypal limited my account for no reason at all. I called in and customer service could n't find any reason why it was limited though they thought it was probably due to the XXXX XXXX XXXX incident ( the lady who tried to charge back {$16000.00} ). So now I ca n't use my account at all and paypal has been holding my money for nearly a year. The name/email of an FBI agent on the case is XXXX XXXX [ XXXXXXXXXXXX ]. He can verify what I said is true.

Company response to consumer: Closed with non-monetary relief