vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-31 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:
The company Progressive management at XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX filed on my credit report for a debt for XXXX XXXX who is of new relation to me and I have never been married to

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 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: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
I agreed to a 12 month lease at the apartment complex, XXXX ( XXXX ) in XXXX, Ohio from XX/XX/XXXX-XX/XX/XXXX. This agreement was upheld by both parties through completion with no issues. Toward the end of the 12 month lease, I provided my 45 day notice of termination ( email sent in late XX/XX/XXXX ). After I provided the notice, I inquired by email about potentially staying an extra month but I did not receive nor sign any new terms for a month to month agreement. The apartment complex, however, took my inquiry as a contract and signed me up to stay in XX/XX/XXXX without me agreeing to the new terms. I moved out on XX/XX/XXXX as per the original and ONLY agreement that I ever saw or agreed to the terms of. 
Simply put, I am now unable to get a loan because the apartment complex sent my supposed XX/XX/XXXX rent payment to a collections firm, FabCo ( Federal Adjustment Bureau , Inc ) and they, in turn, reported the non payment to my Credit report. The collections firm can not provide the XX/XX/XXXX/month to month contract ( because it does n't exists ) but they claim my email to the apartment complex is sufficient, even though there is nothing in the emails pertaining to the terms of a new agreement. I have sent several emails to other apartment complexes, XXXX private sellers about cars, etc. telling sellers and companies them that I want something, but I have never been held liable for something unless I see and agree to the terms of the agreement, until now. 
Fabco suggested that I hire an attorney or else pay it. Apparently they feel that you can hold consumers to the terms of an agreement without a signature or acknowledgment of the terms of said agreement, and an email without confirmation of the terms is sufficient. This is the only credit reporting issue that I have EVER had. I pay my bills every month and have ( had ) an exceptional credit rating. and while I 'm tempted to pay this to get it off my credit, I can not imagine allowing this poor business practice to prevail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 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: MD

Complaint narrative:
A debt appeared on my credit report over a year ago. I was able to get it removed from my XXXX Report, but not from my XXXX or XXXX. The debt does not belong to me, it is reported to be from XXXX, which I have never had an account with that went overdue. The only XXXX account I have ever had was closed back in 2012 and was in good standing. I was never notified by XXXX about any debts that I owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Credit Service, Inc.
State: AZ

Complaint narrative:
Rcv 'd call on XXXX/XXXX/XXXX on cell from XXXX at XXXX with no company name. Only an case #. She also stated made that they made several attempts to reach us, but we have no record of any previous calls. When we got home, there was a message on the answering machine @ XXXX from same lady stating she was employed by ARA and the same info as above, that a immediate response was necessary or a final decision will be made that evening. I requested info in writing as I have no knowledge of owing any debt whatsoever to XXXX XXXX Bank, the name of which she gave when I talked to her. She was very aggressive when I spoke to her and I ended the call. A letter was received from ARA, on XXXX/XXXX/XXXX, dated XXXX/XXXX/XXXX, demanding payment of a very, very large debt we know nothing about. I pulled my credit report from XXXX different bureaus and there is not a reference to any such debt. I also went to our local bank with this information and they said it was probably a scam. I have not now nor ever had an account with XXXX XXXX Bank, who, by the way, ceased operations in XXXX under that name, per the internet and our local bank. I have sent a letter of dispute to ARA, XXXX to their XXXX XXXX XXXX and a street address obtained by XXXX them. This letter requests proof of debt being mine by way of a copy of original loan documents with my signature. These letters were sent registered, return receipt requested, upon the advise of CFPB. who were very gracious in helping my wife.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
XX/XX/XXXX I voluntarily returned a Ford Truck to the Dealership asI could not afford the {$830.00} payments. A third party collector tookthat case to court, without even properly serve me. I have been paying on this debt XX/XX/XXXX. Never missed a payment. I have been asking them to send me a statement as to how they are applying the funds every month. I am aware there is an annual fee of 10 % that they charge. So far I paid over and beyond the amount due. They are refusing to provide me any kind of statements as to how they applied those monthly funds all these years. As far as I am concerned, I either already paid this debt or close to it. But I need to have a schedule of payments and when would my last payment be. 
Please let me know what steps I should take. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-25 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CFS of Aurora IL LLC
State: IL

Complaint narrative:
On XX/XX/XXXX suit was filled on my account acted that same day a payment was made to bring my account current after I received service and nervous conversations with a male by the name of XXXX in their office an agreement was reached that as long as the payment was due for that month was made prior to the court date, a portion of the debt paid by XX/XX/XXXX and the balance the fallowing week that case would be dismissed as a dismissal with leave to reinstate would be entered. A payment for regular monthly payment was made on XX/XX/XXXX I specifically asked if I had to go in to sign the order for dismissal he stated no. No need to the case would be dismissed weather I 'm there or not base on terms of the agreement. Court was on XX/XX/XXXX today as I checked court records it shows a judgement by default was entered against me which is no where near what the terms of the agreement was on XX/XX/XXXX if their calls are not recorded I do have the voicemail left on my phone stating that agreement and my phone call to confirm as well. Prior to this agreement..I was advices nothing could be negotiated that I would have to go to court prior to this agreement was reached because the attorneys were not their attorneys when I advices I would go to court then he advised the attorneys are their own attorneys and they are their attorneys..

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: R.M. Galicia, Inc.
State: GA

Complaint narrative:
I do n't know who this company is I do n't owe anyone XXXX I am requesting a full payment history. A signed copy of my contract. If you do n't have a copy of the contract remove this from my credit. 
Account number XXXX that 's all they gave me

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Resource Systems, Inc
State: CA

Complaint narrative:
Please see attached from the previous complaint I filed - # XXXX. I was not allowed a second response so I am filing another complaint. I was told my required payment was XXXX amount ( {$65.00} ) then, in another document that included intentionally reduced font, a second amount ( which was never communicated to me ). However, my insurance was billed ( they did not pay ) yet a XXXX amount - {$220.00} which i clearly did not agree to. By filing a medical claim in an amount in which I did not agree to, that 's fraud and a clear indication of the lack of ethics and desire of XXXX XXXX XXXX to fraudulently collect monies they are n't due and are n't owed to them. 

I am happy to pay what I legitimately owe - I will not pay what I do n't. I have a 30 year history of paying every legitimate bill with never XXXX late payment. My ethics are beyond reproach.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Bay Equity LLC
State: TX

Complaint narrative:
On XXXX XXXX 2015, I filled out an application w/Bay Equity, LLC to refinance my home. On XXXX XXXX 2015, I paid {$490.00} to have my home appraised per Bay Equity, LLC instructions. The Lender notified me on XXXX XXXX 2015 that they had underwriter 's approval for my loan. Then, I was scheduled for 'closing ' on XXXX XXXX 2015. During the 'closing ' I talked to Bay Equity personnel 3 times at numbers : XXXX & XXXX ; while in the process of signing all relevant documents. At no time during this process did Bay Equity personnel cite any derogatory complaints concerning the funding of my loan. As of XXXX XXXX 2015, I have not received any official documentation from Bay Equity : As to why my loan did not fund? So I have made several attempts ( phone : XXXX ) ; ( email : XXXXXXXXXXXX & XXXXXXXXXXXX ) ; & ( certified mail : Bay Equity Home Loans, LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ), to inquire without response. I initiated this action after recently ( via Internet ) becoming aware that under Federal Law, Bay Equity, LLC fail to notify me ( in writing ) in 60 days of my 'rights ' under the Equal Credit Opportunity Act after my loan # XXXX was disapproved without warning. End of Statement

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-17 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: ND

Complaint narrative:
Paypal is a site that allows consumers to send and receive money. Paypal also allows consumers to purchase items among consumers and hold funds in their systems for days before consumers can use the funds. I accepted a payment from a consumer on XXXX/XXXX/16 in the amount of {$210.00} and paypal released the funds to me on XXXX/XXXX/16. On XXXX/XXXX/16 paypal took the funds I had available and now they are being held pending an investigation, making my account go into a negative state. Ive also tried to delete my banking information off of paypal 's site as I wish to longer do business with them. They will not let me close the account which has my personal information nor remove my banking info. Paypal is a financial bully and sometimes charge your cards and withdraw money out of your account without confirming with with consumer first. And finally paypal does n't have a system what readily lets consumers know their prices and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
On XXXX/XXXX/2015, I received a letter from XXXX XXXX Bank XXXX Paypal. They state that the letter is in response to a request to open a PayPal Credit account, and that their records show that I requested to open an account or to make a purchase using the PayPal credit payment method on XXXX/XXXX/2015. 
They say they can not approve me for the following reason : My credit bureau indicates a freeze on inquiries. 
First of all, I opened a PayPal Credit account well over a year ago. It has a $ XXXX line of credit, and their system states that I have about {$1700.00} available credit. So they are obviously not turning down the line of credit. Second of all, I never attempted to make a purchase via PayPal Credit on XXXX/XXXX/2015 or even used a credit card through their system on that date. Moreover, I have had a freeze on my credit bureau for close to XXXX months now, have made prior purchases on the PayPal credit system without them pulling a new credit bureau, so even if I had attempted to make a purchase through PayPal, I have no idea what they are talking about or why they sent me this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
ON XX/XX/2016 I PLACED AN ORDER ON XXXX IN THE AMOUNT OF XXXX. ALL HAS BEEN REFUNDED BACK TO MY PAYPAL ACCOUNT EXCEPT XXXX. THE ORDER WAS CANCELED ABOUT 30 MINS. AFTER IT WAS PLACED, AND XXXX STATED TO ME THEY WOULD STOP THE ORDER DUE TO A FAMILY EMERGENCY. XXXX DID CREDIT MY XXXX BACK, BUT HAS NOT CREDITED THE XXXX. I FILED MY DISPUTE WITH PAYPAL AND THEY HAVE CLOSED MY CASE LEAVING ME TO FOOT THE BILL. WHICH I WILL NOT PAY DUE TO THE FACT THE ORDER WAS CANCELED AND I NEVER RECEIVED THE ITEM. PAYPAL HAS NOT KEPT MY ACCOUNT CORRECT PLEASE SEE ATTACHMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
There has been an unauthorized transaction of XXXX to XXXX in venmo account. I reached out to venmo support team and did not do anything to handle the issue.I have did some personals investigation of the user on the other end and many people have reported this user. I have reached out to many users that had problem with this other user they too have reported Venmo about this. Venmo instead froze my account and is threatening to send me to collections If i do not pay the XXXX to the other User

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-02 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NM

Complaint narrative:
I have a Bank Account, and a Credit Card, registered with PayPal. Pay Pal will not let me remove my Bank Account from their system due to " pending transactions '' even though I have had NO transactions in over 100 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 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: I.C. System, Inc.
State: TX

Complaint narrative:
IC System is reporting a debt of {$380.00} from XXXX under my name to XXXX credit reporting agencies -- XXXX, XXXX, XXXX. Unaware of such an account, I requested that IC System send me specific information pertaining to this debt under Texas XXXX XXXX XXXX XXXX XXXX XXXX ( see attached letter XXXX. According to XXXX XXXX, when requested, a debt collection agency or credit bureau must provide the alleged debtor with specific validation information concerning their alleged debt within XXXX calendar days. 

The debt validation request was mailed via XXXX Certified Mail with Return Receipt on XX/XX/2016 and received by IC System on XX/XX/2016. IC System has been given more than XXXX calendar days to provide a timely response, but has failed to respond at all. 

Per XXXX XXXX XXXX d ) ( XXXX ), failure to respond to the request within XXXX calendar days, or failure to validate the debt, requires IC System to delete their tradeline from all credit reporting agencies. 

In addition, since receiving a request for validation, IC System has submitted a " XXXX '' remark to the credit reporting agencies ; an action that I did not request. I merely requested more information about an alleged debt, which is fundamentally different from disputing such debt. IC System took it upon themselves to report a dispute that I did not request. 

IC System is not only attempting to collect a debt that they can not or have not validated, but their collection practice is irresponsible. This feels like a bullying tactic to ( XXXX ) make a person feel guilty about requesting more information, and ( XXXX ) indirectly provide that person with the negative consequences of having a dispute remark on their credit reports, such as the potential ability to obtain future credit or loans.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
A few months ago I created an account on the XXXX XXXX website out of curiosity. Since I 've never had a credit card, the site displayed no credit history. To my surprise, I was then informed of my responsibility to pay an open collection of {$340.00}. There is also a closed collection that I never knew about, or closed for that matter. I recognize the name of the creditor, as he treated me when I was XXXX. At that point in time, I was completely XXXX. However, I was never made aware of this debt until viewing my credit report for the very first time. This egregious manner of handling an unpaid bill is downright unfair. Thankfully, I am now a healthy and proactive individual that would like to get his life truly started. I would like to have my first credit card, but I can not acquire anything but a secured credit card with my " collections '' on record. I have no problem when it comes to paying a bill, I 'd just like to be notified when a balance is due. It bears repeating that the manner in which I acquired this debt is nothing short of insidious.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
PayPal has used deceptive tactics to trick me and others into signing-up for PayPal Credit. PayPal Credit then makes it EXTREMELY DIFFICULT TO CANCEL the unrequested and unwanted service. They offer two options : 1. Call their XXXX # - they never answer the line 2. By Mail - this method requires you having your PayPal Credit Account Number. If someone has never used ( i.e., charged something against PayPal Credit ) the service, you have no Statement which is the only means of obtaining the Account Number online. 

This makes it impossible to cancel. They have negatively impacted my credit score which has impacted my interest rate charged when trying to finance large purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: FACTUAL DATA CORP.
State: AR

Complaint narrative:
My bank pulled my credit report from Factual Data XXXX, CO., found that XXXX accounts that had been undated by XXXX on the XXXX credit report, had not been updated by Factual Data therefore causing a lower credit than what XXXX or XXXX has.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: SC

Complaint narrative:
They have called my four times today starting a XXXX XXXX XXXX and XXXX. I have told them each time my husband is at work, they then ask for a work number, which I wo n't give. I ask if they can discuss with me, and they avoid the subject and say they 'll call back later.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Paypal will not give me my money for a item i SOLD ON XXXX/XXXX/2015 FOR {$45.00}

Company response to consumer: Closed with explanation