vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-02 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
After turning in my car, I received a bill that I did not recognize. I called FORD MOTOR company and they said it was for mileage. I offered to pay it on my XXXX credit card, and they said that they do not take XXXX. 

I made other arrangements to pay. They have been paid in FULL a few years ago and they are still reporting a collection on my credit report with this account being closed in 2009. I also made all the lease payments on time for 36 months due.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
Progressive Management Systems submitted a negative credit report to all major credit reporting agencies regarding an alleged debt to XXXX in the amount of {$50.00}. This debt was dated XXXX/XXXX/2015. Progressive Management Systems never notified me in writing regarding this debt nor provided a right to dispute this debt. I discovered this information via the annual credit report check I completed on XXXX/XXXX/2015.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc.
State: NC

Complaint narrative:
Today, XX/XX/XXXX, at XXXX, I received a call from a company listed as ARA XXXX ( I never heard of them nor business with them ). A rude and threatening collector identifying himself as XXXX XXXX recited my social security number, and advised me that the call was concerning a pre-legal matter that I was possibly unaware of that I owed. I was alarmed that a stranger was calling with my ssn in the XXXX place and demanded to know what company was claiming that I owed them and he became very hostile. He said a XXXX time that I was about to be served to court for the still ( unidentified debt ) under a civil judgment. I became irate at his combative tone and informed him that I had no outstanding debt. He then identified a credit company and amount that I have not done business with and settled as far back as XX/XX/XXXX at the least. My complaint with ARA XXXX, phone number XXXX, is that XXXX ) He ( collector ) threatened to sue me in court for an account I settled and have not done business in over 15 years - over the statue of limitations in my state ( NC ). I submit that in that case the debt would be considered time barred. XXXX ) I placed agent on speaker where he repeated his threat and definite intent to sue me to appear and I have witnesses to attest to this fact. This is illegal.

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

Complaint narrative:
I took out a loan through Ford Credit for my car. Unfortunately, the loan was never presented in " regular fixed payments. '' The amount due would change each month. 
I would usually attempt to pay additional money each money in order to retire the balance earlier. But Ford would just deduct this extra money from the following month 's bill. Lately, they have failed to apply this extra amount at all and claim I 'm delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I had a XXXX credit card that was paid in full on XX/XX/XXXX and closed on XX/XX/XXXX, over 10 years ago, and I want this account removed from my credit report since it 's been closed for over 10 years as this is my consumer right under the Fair Credit Reporting Act ( FCRA ). The account has always been in good standing and never had any negative or derogatory information. 

I initiated an Equifax online dispute in XX/XX/XXXX ( dispute confirmation # XXXX ) to have this account removed and the investigation process did not remove the account. Instead, Equifax 's investigation team only changed the " date reported '' from XX/XX/XXXX to XX/XX/XXXX. I understand that as of XX/XX/XXXX, this amount of time places the account at an age of 9 years, 5 months, but there 's nothing wrong with asking Equifax. 

I initiated another dispute on XX/XX/XXXX on the phone with a supervisor, dispute confirmation # XXXX. I carefully explained that I wanted the account removed since it has been closed for over 10 years. During my conversation with the supervisor, she told me that the XXXX closed account will stay on my report for another 10 years ( until year XXXX ) all because I am requesting another investigation. I stated that a dispute date should not determine how long an account remains on a credit report and that XXXX and XXXX had already removed the closed XXXX account after the 10 year anniversary of the account closing date. The XX/XX/XXXX dispute was completed on XX/XX/XXXX and the XXXX account remains on my Equifax credit report. 

Equifax 's practice of making a closed account remain on a credit report for over 10 years and then making it stay for another 10 years is unacceptable, promotes unfairness and inaccuracies. 

I mailed Equifax Information Services LLC in XXXX, Georgia a letter on XX/XX/XXXX informing them of reporting their misbehaved practice to the Consumer Financial Protection Bureau. 

On XX/XX/XXXX, I called Equifax again, spoke with a representative and questioned why the account has to remain on my report. The representative stated that I will have to contact XXXX and request XXXX to have the 10 year old closed account taken off my report. I explained to the representative that a customer should not have to contact a creditor from over 10 years ago just to honor my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Pathfinder Credit Services
State: UT

Complaint narrative:
They agreed to allow my son to make his XXXX payment on XXXX XXXX, 2015. They did not notate the account to reflect this agreement and refused to honor it. They have routinely misrepresented their employees actions and the employees are lying about all contacts with us. He has given them permission to take automatic payments and the company is not taking them. I am receiving letters from the company stating the payments are not being made. I am feeling threatened and harassed by these letters. My son is making every attempt to make these loan payments. This company is not ethical in any sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: ROYAL UNITED MORTGAGE LLC
State: MI

Complaint narrative:
I completed all the required steps and provided all of the documentation required to obtain a mortgage. The mortgage lender gave no reason why the mortgage was not completed before the purchase agreement expired. I was intimidated to not get competing offers, that might have allowed me to get other financing.

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 2015-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Financial Credit Service, Inc.
State: SC

Complaint narrative:
The representative was attempting to link me to a debt of someone that I know. They threatened to serve me with legal documents and place me in jail. I requested that they stop calling me. I told them that I understood my rights and they had no business threatening me in order to get a different individual. They repeatedly hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SECURITY FINANCIAL
State: CA

Complaint narrative:
In the beginning of XXXX, my mortgage was transfered to United Security Financial Corp, aka : XXXX. Since then, when I receive a statement, the payment sent is applied wrong. I have called them several times, talking with persons who seem unconcerned with customer satisfaction. Recently ( XXXX/XXXX/15 ), I called and spoke with XXXX about the " unapplied '' funds which on the payment coupon is specifically stated as extra to principal or escrow. I was on hold for a while and finally asking what was taking so long only to be told : " I 'm trying to get someone to help me with this '' After some time, he asked me how I wanted my other " overages '' applied. ( I pay extra each month to either escrow or principal ) When I asked how much monies we were talking about, I was put on hold yet again. After XXXX minutes I hung up. This is my mortgage, my home. I feel that my mortgage servicer is not being competent in servicing my loan and would like someone to look into it 's practices. The address I have been sending my " on time '' payments to is : XXXX XXXX XXXX, IL XXXX. I would appreciate any correspondence from cfpb. Thank You.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
I paid off my Ford Credit loan early around XX/XX/2017. about a week or so later i got a letter with a check for {$8.00} saying I overpaid my paid in full contract. 
I got a couple of emails asking to take a survey and then a couple of emails asking for a call but not any reason to call. I assumed it was for feedback or to offer another loan. I did n't follow up as I am not interested. 
However, it appears that I put my account number in incorrectly and the payment did n't go thru. Unfortunately, I was never told this. The emails said nothing of this. 
They took the car yesterday and when I explained that i was n't aware it was not paid in full I was basically told that it was n't their problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Trident Asset Management, L.L.C.
State: OH

Complaint narrative:
XX/XX/2012 my apartment was robbed. They stole a box of checks from my home that I thought I lost. Turns out the checks were still in the home. I had already reported them stolen. Trident asset is trying to force me to pay for XXXX checks. These are FAKE checks not even from the box stolen. They have fake account numbers and claim to be XXXX XXXX. They have a XXXX XXXX routing number on then. They have my old name and address first name spelled wrong. Fake drivers license information and XXXX different fake telephone numbers typed under my name and address. Trident refuses to find them to be fraud even with my real information. They put them on my credit report! The debt collector accused me of being a thief and said I probably made the checks myself! They also refuse every time to allow me to talk to a supervisor to resolve the issue.I need help getting this off my credit reports. I have had every other debt collection help me resolve these issues except them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I purchased and item from a merchant and used PayPal to pay because of the buyer protection program, I received the item 30 days later and damaged. I contacted the seller and did not respond I filled a dispute with PayPal, unfortunately they did not investigate the case and decided it in favor of the Seller. I sent the pictures of the item showing the damage and the email from the seller who later had accept to refund money based on the damage, I was surprised that PayPal would insinuate that they can not rely on information provided by me, yet they can rely on information provided by the seller in XXXX to make a determination. I have forwarded the emails to PayPal sowing the conversation and the pictures of the items and still no determination has been made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-17 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
i sent {$30.00} USD to someone to pay for art over paypal. Previously, they have sent the art, however this time it has been over 30 days, i have tried contacting this person, and they keep putting me off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I would like to close my Paypal account, " XXXXXXXXXXXX ''. I received email from Paypal that " After reviewing your account, we have decided to close it because of security issues. '' Paypal stated " funds have been withdrawn/transferred out of the PayPal system to a bank, online bank, ATM or prepaid card. '' They are incorrect. After speaking to a customer service representative today, I was told I could not withdraw my funds for 180 days. However, this is not satisfactory, since I have no outstanding transactions and would like to receive the full balance immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-05 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Some months ago, as I was going through PayPal signing up process, I was also enrolled in PayPal credit without my knowledge. I only recently found out about it. I never requested this line of credit. I am afraid it affected my credit score which most likely affected my mortgage rate from a recent house purchase. I do not want PayPal credit card. I have no use for it. I would like PayPal to correct their action, but I am afraid that getting rid of this line of credit will again hit my credit score. Who is now responsible for the additional interest rate that I will incur over the life of the mortgage?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc.
State: MD

Complaint narrative:
Never had XXXX always live at home. they can validate this debt. its removed before reinserted. never had contract with this company.

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 2016-06-17 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: I.C. System, Inc.
State: CA

Complaint narrative:
I do not owe XXXX XXXX XXXX any money. Therefore I do not owe this IC collections company. We were NOT in a contract with XXXX for our Internet & TV we had switched to XXXX ( who is owned by XXXX anyway ) our service was terminated but XXXX kept billing us. We repeatedly tried to resolve this with XXXX. Now I find out they sold a debt I do n't even owe to a Collection agency.

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 2016-11-12 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/2016 at XXXX cst I commenced a transfer of {$40.00} to a fellow collegue and during this transfer of monies paypal commenced to placing a hold on the funds as they were posted and moved from my account to his. I contacted paypal as there seemed to be alot of the same issues going on for myself amongst others I had spoken with that did business with Paypal. XX/XX/2016 at XXXX cst I built my way up the management ladder and ended up speaking with a mgr by the name of XXXX in the Paypal Customer Securities/Payments. At this time I had already spent about hour or more weaving my way through c/s reps whom seemed to be less than knowledgeable in their job duties with the companies and were of no help with resolving the matter. When I sent the funds I contacted Paypal to make sure the issue didnt arise and was assured it would n't and here we are and Paypal currently is holding the funds and will not release them to whom I sent them to or back to myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-10 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: I.C. System, Inc.
State: NV

Complaint narrative:
In XX/XX/XXXX I had a debt for XXXX that was old to a collection agency ( XXXX XXXX XXXX ). I seen it on my credit reports for {$320.00}. They reduced it down {$64.00} and I settled with them and paid {$250.00} XXXX/XXXX/XXXX. They updated my credit reports and showed I paid it leaving a {$0.00} balance. Now XXXX/XXXX/XXXX XXXX illegally reopened that same account selling it to a new collection agency ICSystem saying I owed {$64.00}. I spoke to cox and both collection agencies. XXXX XXXX shows I paid it and sent proof to XXXX who then sent proof to ICSystems XXXX/XXXX/XXXX and I requested it be deleted from all XXXX credit reports and while it was being investigated for it to be put on hold. I also filed a dispute with XXXX earlier that week. ICSystem finally deleted it off of XXXX but illegally reported it again the following day to XXXX and XXXX and has yet to delete it off even though they are aware it was not a debt I owed. I had paid it XXXX/XXXX/XXXX. They also are reporting this debt 3-4 times a month ( once a week ) damaging my score as much as possible. They have refused to delete it off of all XXXX credit reports knowing that it is not a valid debt and after cox has told them to remove it.

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 2017-01-29 00:00:00
Product: Prepaid card — Mobile wallet
Issue: Managing, opening, or closing account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have a PayPal account that has a negative balance of XXXX. I also have a PayPal Prepaid mastercard that I have my payroll and Social security deposited into. PayPal blocked my ability to login to my Prepaid mastercard account - barring my access to my account funds online. I called PayPal, Inc and was told there was nothing they could do because my PrePaid debit mastercard was connected to my PayPal account. They refused to allow me access to my prepaid mastercard account online.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-14 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
Ebay listing RE : XXXX clearly showed Paypal credit as a payment option. When I went to checkout the option was not there. I pressed the Paypal button and no Paypal Credit option. I pressed Paypal and was not transmitted to my Paypal account to select Paypal credit. Instead my bank account was illegally accessed and {$150.00} withdrawn by Paypal. This has happened before with Ebay where there was a glitch in their system. I contacted Paypal credit and was not able to resolve this with them. They insisted that the seller did not offer Paypal credit despite the fact that their listing clearly shows Paypal Credit. I notified them that I would be registering an attorney general complaint. If still not resolved we will seek legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Scam Committed by PayPal I feel I was wrongly signed into PayPal 's Credit Service. This seems to be a delayed payment for 6 months I scammed into, when I could 've easily paid the entire {$150.00} transaction on XXXX XXXX, XXXX, paid through my debit card. That 's exactly what I thought, that I was paying through my debit card. Today, a male from PayPal collections called me, stating that I currently owe {$180.00} for non-payment. He said they 've been sending me correspondence on this. I did finally find ONE email, stating that payment was due. However, I felt I did n't need to read ANY of today 's many emails from PayPal, which were pretty much advertisements - I thought the transaction AND payment had been completed through my debit card last year. While I was talking, the collector tried to interrupt me several times, but I continued talking anyway, refusing to acknowledge his " collector '' tactics. I finally told him I 'd investigate my bank account and call them back. 

I called my bank ( XXXX XXXX, XXXX ), and sure enough, NO payment of {$150.00} was paid through my account on XXXX XXXX, XXXX. 

I called PayPal Collections ( XXXX ) back on XXXX XXXX, XXXX XXXX PST and spoke to a XXXX. I told her the same thing, that I was wrongly signed into PayPal credit. I told her that I only wish to pay her the {$150.00} transaction. She said, " We 're Collections, and I can give you a REDUCED late fee. '' I replied, " I never signed up for PayPal Credit. I 'd like to file a complaint with Consumer Financial Protection. '' She asked, " Do you want their address so you can write them? '' I replied, " No, I can file the complaint online. '' After that, the call went silent. I believe she put me on hold or mute.

Company response to consumer: Closed with monetary relief