vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Financial Credit Service, Inc.
State: VA

Complaint narrative:
On XXXX XXXX, 2016, I received a voicemail from a number that showed as, " Unknown, '' on my caller ID. The voicemail was from a lady who said she was with XXXX XXXX XXXX XXXX and that she found my information in the federal database ( she had my full name and date of birth ) and that I was a co-defendant in a case with someone ( whom I have no connection to ... have never known the person ) and to call litigation services immediately. When I called the number I gave them the reference number and asked the name of their company. They said it was ARA, and that they were a company in XXXX, Virginia, and when I asked what that stood for they said nothing. They then told me that it was mediation services. They never told me that they were a debt collector but I received a call about the same person from a debt collector about a year ago that then removed my information. I was then transferred to another person who was, " handling the file, '' and that person told me the same thing about the company name. I then asked them what court my supposed case was in and the case number. The lady told me that she could n't give me that information. When I demanded it, as I was a supposed co-defendant in this case, she said that I did n't need to appear in court if I did n't know the person that they had called about. ( I searched through the XXXX XXXX court dockets and could n't find any such case with either person 's names ) I then asked for the company 's mailing address and she gave me a false address. I then asked her to remove my information from the file and she said she would not remove my information because I was a co-defendant.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I had XXXX late payment back in XXXX to Target. Since then, every month when I make my on time payment they hold that payment for 2 weeks before it is applied to my account. I have called and spoken to the Manager to no avail. She says that is their policy when you have a late payment. I do not agree with this because the payment has already been deducted from my checking account. They will not take my word for it unless we have a conference call to my bank to verify this which is a long process. This is XXXX and I made my payment and was told the same thing again. Someone needs to change their policy regarding this. Maybe you can do something. I only had that XXXX late payment and only late by one day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Darnel Quick Recovery, Inc.
State: GA

Complaint narrative:
I have asked Darnel Quick Recovery to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

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 2016-06-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
This is new information regarding complaint XXXX, XXXX and XXXX. FCC has complaint XXXX, all complaints need to be reviewed due to all responses being conflicting. Google requested i contact them. the last email refereed me to the merchants instead of the bank like usual. I would like the back up from the first complaint attached to this complaint. I also have complaints against XXXX XXXX XXXX, and XXXX all companies have done this and continue to do this at the same time. This is past frustrating! Please help me! 

Google asked me to Repsond to a specific email in their response said I did not respond to it please below find the false statements given by Google for these transactions. I have never received back up to actually show what was ran through the account. By Google responding like they have it shows they are not investigating what was done. I have shown that numerous times. Google is who benifited the monies taken from my account that is not a guess the merchants stated that in writing. It was their charge they bought the app rights and they received monies yet Google wants to confuse this more my sending me to who they listed to contact knowing fully that the merchants do not have the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16 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: EOS Holdings, Inc.
State: OH

Complaint narrative:
I have a a unverified account from EOS CCA XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX I had previously disputed this account. I have never done business with XXXX XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt EOS CCA purport I owe. I request that EOS CCA Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that EOS CCA Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 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: NH

Complaint narrative:
I have received multiple calls, some very late at night, from Trident. I finally called back and they answered " Hello? '' Hardly sounded like a legitimate collections agency. They claimed I had a debt in collections from a bounced check. This check was never written by me, and was supposedly written to XXXX stores in XXXX XXXX, as I was living in XXXX. I explained that this was not my check and it must have been made fraudulently. They claimed it was my responsibility. I called my bank and they have no corresponding check with the check number I got from Trident ( after pushing them ). I also called the bank that they said requested my debt- XXXX XXXX. XXXX had no idea what debt I was referring to and stated I had no debt with them. Trident is collecting false debts that are not validated or actual debts. They did not give me a license number when I requested and instead hung up. They were extremely unprofessional and do not seem to be a real company. They did not verify the debt in my name in any way but knew my social security number It is very concerning. I do not owe anything and do not want this on my credit report, as I have not collected a debt anywhere.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: GA

Complaint narrative:
I text drove a XXXX XX/XX/XXXX that was manufactured in XX/XX/XXXX. I did not see any flaws during the text drive. It was bought from a certified Ford Dealer. However, after XXXX weeks of owning the vehicle, a new battery was needed. Thus, it was revealed that the car had been in a previous accident. It did not make more sense to me that there were names already programmed in the XXXX It was not cleared before I signed my name on the line. My first concern is the purchase was in a clear violation of the Lemon Law. Secondly, I do not know if XXXX Ford was informed it was a program car and has been in an accident. However, it was and it proved to me every time I had to reset my blue tooth wireless option. Thirdly, I have been disputing this issue with XXXX directly. I have not received a response. XXXX of XXXX, GA. had to replace the A. C. unit twice. This is only after 2 years of owning the vehicle and still being under the XXXX. I do want this issue cleared and removed from my credit reporting history, which includes all trade lines entered by Ford Motor XXXX. Car was repossessed during my unemployment. Also, I had possessions such as my notary stamp ( XXXX XXXX ) that was not returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Trident Asset Management, L.L.C.
State: UT

Complaint narrative:
I have disputed this debt numerous times and this company continues to report on my credit. These charges are not mine they are a result of fraud and forgery. i have submitted affidavits many times and they continue to collect and report on credit.

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 2015-04-14 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Concord Resolution Inc (Closed)
State: NJ

Complaint narrative:
Keep getting daily phone calls and voicemails from XXXX indicating to call back that I 'm involved in a very important matter for over a week.. So finally called back. Lady indicates their customer has contacted them wanting to be paid back for a payday loan. Would not tell me who she was or the customer. Also indcated that when applying for payday loans ( which I 've done and paid off well over a year ago ) that there us a XXXX company involved that also gets paid but is either not disclosed or in very fine print. She said she would email me documentation but has yet to do so although has called again. 
I googled the number and see many complaints of same voice mails and apparently part of a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
I have spoken to 3 employees of Associated Bank on XXXX, XXXX. The bank has offered to share the attorney fees but refuses to do anything to repair the late payments they have placed on my credit rating. Until this issue, I have NEVER had a late payment listed on my credit. 

RE : Equity Loan Plan Account Agreement and Mortgage Note Loan No. XXXX Yesterday, I learned for the first time that my home equity account was past due because Associated Bank cancelled my scheduled automated payments that amounted to 2.5 times the minimum payment amount in XXXX XXXX. Associated Bank has retained a collection agency ( XXXX XXXX XXXX, XXXX XXXX, WI ) to foreclose on my home without contacting me concerning the stoppage of payment which Associated Bank admits they are responsible for. These payments have been in effect for over 3+ years without issue. 
Due to Associated Bank stopping the payments, I am now being asked to pay considerable late fees, attorney 's fees, etc. in the amount of {$1000.00}. My credit rating has also suffered a XXXX point reduction due to this issue ( XXXX in XXXX XXXX, current XXXX ). 
It is my believe that Associated Bank had a responsibility to notify me in a prompt manner ( XXXX or XXXX XXXX ) in order for me to resolve this issue without fees. Associated Bank failed to do so which has led to the current issues. Once notified ( XXXX XXXX, XXXX ) I immediately contacted XXXX XXXX ( XXXX ext XXXX ) to resolve this issue. Associated Bank wishes to hold my home as ransom to force me to pay all fees. I have offered to pay all back payments and late charges ( {$600.00} ) and even attempted to online pay the amount of {$600.00}. In order to resolve this matter I am willing to split the attorney fees of {$890.00} with Associated Bank if they agree to restore my credit to its level of XXXX XXXX. Associated Bank via email yesterday has given me until XXXX XXXX, XXXX to pay ALL fees or they will continue foreclosure. I have also been informed that a supervisor ( XXXX ) would contact me. This has not happened 24 hours later. 
If Associated Bank does not contact me to accept my offer I will pay the amount of {$1600.00} as required by XXXX XXXX, XXXX. I will then begin legal action against Associated Bank to have returned all fees and for {$3000.00} for the damage done to my credit due to Associated Banks actions. I have tried to be fair with this issue and have not even been given a chance to be heard.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Trident Asset Management, L.L.C.
State: NV

Complaint narrative:
this company has placed a fraudulent account under my personal information related to an address ive never lived at for a gas bill. i faxed over the police report that my identity was stolen along with the FTC affidavit. ive called over XXXX times with no luck they keep asking me to send the police report which i have not XXXX but XXXX times. i ask that my right as a identity theft victim be enforced .i ask that this account be removed immediately since this account has hurts my person and my credit in the past and i was denied a home loan XXXX different occasions and i had to pay higher interest rates and suffered financial hardship because of them. 

I had also spoke to someone in the past and they mailed me a letter of deletion and verified the account was not mine AGAIN THEY ADDED THIS ACCOUNT and they are attempting to collect on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Mandarich Law Group, LLP
State: MO

Complaint narrative:
I do not have proof this is my debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: MORTGAGE CENTER, LC
State: MI

Complaint narrative:
I was unemployed in XX/XX/XXXX and experienced a substantial decrease in income. I contacted my mortgage company right away to look at options. They provided me with information to apply for a government mortgage modification that would potentially lower my payments. The mortgage company explained that I would need to qualify for a permanent modification by making 3 successful trial payments. They provided me with the trial payment amounts and I successfully paid each trial payment on time and in XXXX XXXX they made my modification permanent. After reviewing my credit report a few months later, I noticed that the mortgage company marked my payment late for each month of my trial payment even though they had set the mortgage payment amount and I paid as agreed. This has caused a significant negative impact to my credit score as it is one of the only negative items. Had I known that they would mark me late I would not have went through with the modification process. I have contacted the mortgage company on numerous occasions asking for an explanation, and the only answer I get as that they say they are legally obligated to report me late. I believe there lending practice was deceptive and predatory. I have asked them to remove the late payments and they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Trident Asset Management, L.L.C.
State: NJ

Complaint narrative:
This was from years ago. My bank blocked payment from an online casino deposit on XXXX. I paid last year to get it removed off my credit report. Now it appears 3 times again on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
The amount of {$51.00} dollars was added to my credit report for collections. Incorrect information added saying the account is 2 years old. No contact with IC Systems.

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 2016-01-08 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
I purchased a dress from XXXX in late XXXX and returned it in XXXX. I reached out to the merchant and was inform on XXXX that Pay Pal had taken the money from her and that I should have been credited. I filed a claim with my bank XXXX XXXX XXXX XXXX XXXX who tried to get the funds from Pay Pal and was denied. The merchant all this time was under the impression that I had my money. I reached out to Pay Pal and told XXXX ( case # with Pay Pal XXXX ) that the merchant had their merchandise and to please refund me, Pay Pal refused. So neither the merchant or myself has the funds..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
Paypal tried to collect a fraudulent charge from my XXXX XXXX credit card. XXXX XXXX requested documentation from Paypal to backup their claim and the requested my response and documentation from me. XXXX XXXX rejected their claim. After that Paypal changed the transaction ID and place back the charge on my account and they insist on collecting the same amount. I already sent them XXXX electronic messages using the Paypal contact us form to no avail. Paypal contact form states that they will respond in 24 hours. 
I just received an email demanding payment on the fraudulent amount.

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 2016-04-13 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: Paypal Holdings, Inc
State: PA

Complaint narrative:
I have an XXXX that was a victim of fraud. We were sent chargebacks for services we had contractually completed, but PayPal told us we lost the dispute. PayPal sent my business 's debt to collection and both the debt collector and PayPal informed me that the debt was to me personally, not my business. Both told me that although I have a business PayPal account, somehow PayPal circumvents this. Neither were able to tell me legally how this is possible or where in the PayPal user agreement this is stated, but told me I was liable none the less. Neither could tell me what information I can gather from a customer to avoid future fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-13 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
Note : This is a Virtual Currency complaint. 
Today I received an email notice from PayPal about an update to their User Agreement. I do not have an issue with the content of the notice, but as you can see from the attached screenshot, the color of the text is a light gray which makes it difficult to read. This can ONLY be done with the intent to discourage people from reading the document, which may constitute fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 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: SC

Complaint narrative:
I.C Systems is attempting to collect a debt on an account that I have no knowledge of & that is not mine. I also notice that the balance information for this account keeps fluctuating on my credit report.

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 2015-10-15 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Specified Credit Association, Inc.
State: MO

Complaint narrative:
I am repeatedly being called while at work, and we are not allowed to take these kinds of calls on the clock or at work in general. I told the gentleman I was speaking to that I could not accept his phone call at work and that he would have to contact my cell phone. I spoke with him on my cell phone about the issue and he keeps reeatedly calling my work after asking him to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
On XXXX 2014, Chase Bank shut down my card with no warning, when I contacted them, they stated that they had reviewed account and closed it with the information they received from the credit report. I contacted them several times and they said, I need to contact the credit bureaus. Now Its been a year, since. I earned XXXX reward points with chase saphire card. I do not have to access to that, I believe it is unfair bussineess practice this happen. I never had a late payement, check returned or went over the limit. I earned those points, and for them to just take it away, is just wrong.

Company response to consumer: Closed with explanation