vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-16 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: NY

Complaint narrative:
I am disputing a bill from XXXX and working to resolve the issue with XXXX. XXXX turned the b ill over to IC System, which called and wrote me. When I tried to call the number on IC 's letter, there was no answer. The company called several times but I told them I was disputing the amount with XXXX. Thereafter I have received as many as four calls a day, some late evening, from robocallers : no one answers, no human calls. I have a list of the numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I subscribe to a credit monitoring service and was recently alerted that a hard credit inquiry from XXXX/XXXX had been registered on my XXXX credit report. After doing some initial research, it seems that other consumers have identified this bank as XXXX of the lenders behind the PayPal " BillMeLater '' feature. While I am a PayPal customer, I did not sign up for this feature nor did I authorize them to pull my credit. I have disputed the inquiry with XXXX. I want to make sure this inquiry is reversed and no account is opened as a result to prevent fraudulent use of a financial account established using my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17 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: FL

Complaint narrative:
I am seeing accounts in collection that are not mine trough my credit report. Also, I have not been notify on any of this.

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 2016-12-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
RE-OCCURING ISSUE Case number : XXXX The lender has not addressed the issue. The question is, is it legal to force mortgage underwriters to apply disparate treatment while underwriting loans? If the company feels that this is not the correct forum to address this then maybe the Department of Justice would be a better 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
Consumer complaint received 2015-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Flagstar Bank, N.A.
State: CO

Complaint narrative:
I am being called at least XXXX a day from Flagstar, stating that they are calling for a business matter. I do not have any kind of loan with Flagstar, and have at least XXXX time called Flagstar, spoke with a representative, explained who I was, and that I did not have a loan with Flagstar. Every time I have been asked if I am, or if I know who XXXX is, and every time I reply that I do n't know who they are talking about. The Representative then tells me that they will take my phone number out of the system, but the very next morning I receive the same phone call. I receive at least XXXX phone call from Flagstar everyday, sometime very early in the morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX sent me to the a collection agency by the name of IC Systems Collections. I have communited with both companies and they continue to refer me from one company to the other. I cancelled the account before I filed a BK, called XXXX XXXX XXXX and requested that they shut the account off and also included the account in the BK just to be sure it was closed. XXXX XXXX XXXX reopened an account under a different number and has continued to bill me for it. I spoke with a woman two years ago and she confirmed that she resolved the issue. When I pulled my credit, I realize that it has since been sent to collections and the collection company and XXXX XXXX XXXX are telling me that the best thing to do is to make the payment. It 's wrong and unjust and I just want the collection removed from the XXXX credit bureaus.

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 2016-02-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Paypal decided to shutdown my account arbitrarily. And are currently holding my balance of {$1900.00} and are planning on holding it for 6 months. In addition to that, I have additional {$360.00} in ebay gift card they are no longer honoring. I 've contacted paypal and ebay several times and all they do is bounce phone calls back and forth. And blame each other. Someone has to be responsible for returning the gift card balances back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-02 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
I obtained a PayPal Credit account nearly two years ago. I only used it for XXXX purchase - an airline ticket. I never received any statements from PayPal Credit, I never received any contact from PayPal Credit. I received a call from PayPal Credit in XXXX saying that I had an outstanding balance. I immediately began paying and was told that I could arrange monthly over the phone, which I did. I have been paying monthly since then. 

PayPal Credit then sent a statement - which I asked for during that call - to the wrong address. When the statement was returned to PayPal Credit, they deactivated my account ( without notifying me ). When I found out that my account was deactivated, I was told it was a very simple process to merely reactivate it so that I could link it to my PayPal account. Subsequently, I was told that my request to have my account reinstated was denied due to previous late payments. This is absurd! THE ONLY REASON ANY PAYMENT WAS EVER MISSED IS BECAUSE PAYPAL CREDIT NEVER SENT ME ANY STATEMENT OR HAD ANY CONTACT WITH ME AT ALL AFTER MY FIRST AND ONLY PURCHASE. 

I know have a PayPal Credit account with a {$220.00} balance. The account had a credit line of more than {$1000.00}. My usage rate is well below 25 % but Pay Pal Credit will not reinstate my account! 

I believe PayPal Credit 's practices are unfair, abusive and misleading. The used misleading marketing to lure customers into using their service XXXX a one-off basis and then failed to ever contact me. These sorts of unfair and abusive practices target customers who do not fully understand the terms of their product. 

I would like my PayPal Credit account reactivated and linked to my PayPal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal CreditThe email message received by me recently ( below ) confirms illegal withdrawal from by XXXX XXXX XXXX account in the amount of {$670.00}. Recently, I purchased an iPhone from the XXXX website, on a 6-month interest free plan confirmed by PayPal. I had already made a {$250.00} payment on this account a few weeks ago, and was horrified when PayPal informed me that the above amount was transferred from my account. 
Conveniently, the message arrived after the amount was transferred, and consequently, no opportunity to dispute. 
The 6-month interest free plan is misleading and deceptive, and the withdrawal of the remaining amount owing that was not authorized is nothing short of theft. 
Internet blogs confirm that this unethical business practice by PayPal goes on all the time. 


Hello XXXX XXXX, Thank you for making a payment online! We 've received your PayPal Credit Payment of {$670.00} and have applied it to your account. 

Here are the details : Your PayPal Credit Account Number Ending In:XXXXYou Paid : $ XXXXYour Payment Date*:XX/XX/2015Your Payment Confirmation Number:XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Mortgage Research Center, LLC
State: IN

Complaint narrative:
Good afternoon, My family and I purchased a home using a VA Loan this past year and subsequently saved up and paid one month in advance in order to get on that organization 's " Budget Plan ''. The Budget Plan was explained to us as a way to divide the standard mortgage in half over XXXX paychecks instead of taking the larger whole sum out of XXXX paycheck. Now, four months later, we 're being charged XXXX half payments in our second paycheck of the month in spite of already having paid the first and second half-payments this month. This is n't due to any delinquency on our part. We 've been excellent customers, paying all listed fees in advance or via auto-pay. This is due to the way the Loan office has programmed the payments " every other Friday ''. So not only is the VA 's " Budget Plan '' a misnomer, and the intentions of the plan false. It also has the potential to put those contracted with the office, particularly XXXX XXXX military members like myself, into civil upset due to unexpected required payments that, if not met, could affect our military Clearance and if met could place us in financial distress. This is an unsatisfactory way to treat customers entrusting their pact with the bank.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
My account was set up on autopay for AAFES. The balance to be taken out my bank account each month was XXXX. My account was 30 days past due for XXXX and was still set up on autopay. AAFES never drafted the funds from my account to pay my bill. According to their terms and conditions, we agree for them to call us regarding our account. I never once received a phone call, an email, or paper statement that my account was past due. This has negatively impacted my credit score for {$28.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 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: FL

Complaint narrative:
IC SYSTEMS IS STATING ON MY XXXX CREDIT REPORT THAT I OWE XXXX ON ACCOUNT THATS NOT MINE.PLEASE HAVE IC SYSTEMS PROVIDE VALIDATION OF THIS DBT THAT I OWE OR REMOVE IT FROM 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 2015-07-11 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
On XXXX XXXX I tried to make a onetime payment to a vendor through Pay Pal with my credit card. Pay Pal was the only payment the vendor would accept. Pay Pal took all my credit card information and then pay the vendor through what they said was Pay Pal Credit instead of putting the payment through my credit card. I did not want any credit through Pay Pal. When they emailed me the same day XXXX XXXX, telling me about Pay Pal Credit I emailed them back saying I did not want any credit. I just wanted to make a onetime payment from my credit card. Today XXXX XXXX I received another email saying my payment to Pay Pal Credit is due. I called them and again told them I did n't want any credit through Pay Pal. They said there was nothing they could do because they said I applied for it. I believe this is fraudulent on Pay Pal Credit. I did not want their credit and somehow they stuck me with it and wo n't remove it. What else can I do to have them remove this mistake because they wo n't even after I called and spoke to a supervisor?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: ROYAL UNITED MORTGAGE LLC
State: IN

Complaint narrative:
I decided to re-fi with Lending tree. I was called by Royal United Mortgage and started the loan process. They quoted 3.25 interest rate. They requested the usual info, 2 yrs taxes, XXXX 's, XXXX 's, bank statements and social security info. I took pic 's of all that with my phone and sent it to XXXX XXXX. Over the weeks I would talk to a XXXX also. He would request info I had already sent and I would have to send it again. I was told the appraisal would cost {$390.00}. So I paid it. Then I was told another {$130.00} because it 's a duplex. Paid that too. Then I received a email on some of the paper work and noticed my interest rate was now 3.50. When I called I was told it was n't locked in because they were waiting on the appraisal to come back. I was ready to cancel everything but XXXX XXXX called and gave me the 3.25. He failed to mention that would cost {$4500.00}. I was also told to expect my escrow from XXXX XXXX XXXX to be mailed to me as soon as they were paid off. That did n't happen. XXXX XXXX told me 2 weeks later that they notified Royal united they would deduct the escrow from my mortgage balance. Someone failed to tell me. Even the closer told me to watch for the check. I called XXXX XXXX right after closing and ask for a hard copy of the appraisal for my records. He promised to send it right away. That was 3 weeks ago. A few days after closing XXXX rec 'd a letter from Social security. It seems XXXX XXXX opened up a online account in my name. Why? XXXX XXXX said it was to verify my amount I rec 'd every month. PROOF. I had sent them XXXX items of proof. # 1, awards letter stating what I would be receiving for 2015. # 2 XXXX from S.S. # 3, bank statements # 4 taxes. What more proof was needed. He told XXXX XXXX I gave him permission. THAT DID N'T HAPPEN. I went with their mortgage co. in blind faith. I had never heard of them but they were tied with Lending tree who is well known. They took advantage of that. I am almost XXXX yrs old. I have never had such a nightmare with a mortgage company like Royal united. Now when I call there, they wo n't answer. That 's why I 'm taking this next step.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-26 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: Resurgent Capital Services L.P.
State: OR

Complaint narrative:
I have received a letter from the XXXX XXXX XXXX XXXX. They have sent this letter for a company named LVNV funding concerning a debt that was on my credit report in the past and charged off on XXXX/XXXX/2007 according to this letter form XXXX XXXX XXXX XXXX. With that being the case any statutes of limitation has run it 's course. 
LVNV Funding has received letter 's in the past from my attorney to cease collection efforts and they agreed with letter to my attorney. Now they are using this other company to collect an uncollectible debt. LVNV Funding is well aware of this and this is an illegal attempt to collect an uncollectible debt. This is an attempt at scamming me, If I was not aware of the law, I would not know what to do. This company, XXXX XXXX XXXX XXXX does not preform it 's due diligence before it sends out it 's notices. If they had they would see that this is uncollectible yet they try to scam people on a regular basis. I know several people that have had this company try to collect uncollectable debts. They even offer a " convenient '' repayment plan for those that are unaware of the law. 
This to me seems to be in violation of the fair credit reporting act, violation of the Fair Debt collection Practices Act and is probably in violation of Oregon state law as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Mandarich Law Group, LLP
State: CA

Complaint narrative:
Hello I 'm a victim of fraud and stolen identity of credit card. I have been notified by the collect XXXX agency? XXXX stating that I have a credit card that has been open since estimate on XX/XX/XXXX and last payment received on XX/XX/XXXX total payment of {$200.00}. I have neither paid this amount nor did I open an credit card with this company. They are trying to garnish from my paycheck/ salary at this time, and I have contacted this company and I have asked for original credit card application with my signature they promised to send, but they did not send it. They have only sent me a copy of credit card statement with address which I do not know of. Please help!

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 2015-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Trident Asset Management, L.L.C.
State: NY

Complaint narrative:
In XXXX of 2015, I received a credit alert from my credit monitoring company stating that a collection account was placed on my XXXX credit report. Upon reviewing my credit report the same day, I discovered that Trident Asset Management LLC place a collection account for an unknown debt. This is my first knowledge of the alleged debt. Within a few days I sent a debt validation via the United States Post Office Certified mail to Trident Asset Management LLC informing this company that I was enforcing my rights under the Fair Credit Reporting Act. I received a letter from them, along with my ORGINAL LETTER for validation back with their letter stating that if I dispute their claim ( which I did in my ORGINAL LETTER ) to do so within 30 days. Trident Assets Management LLC has CLEARLY violated the Fair Credit Reporting Act and the Fair Debt Collections Act by ignoring my request for validation and dispute, according to Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), ( c ) ( 2 ) ( E ), 611 ( a ) 1 ( A ), and Fair Debt Collection Practices Act Section 809. Also, in my letter I clearly stated the laws and there definitions. I received another alert from my credit monitoring on XXXX XXXX, 2015 after requesting validation/disputed, stating that Trident Asset Management has again placed the same alleged collection account on my XXXX report. Trident Management has clearly ignored my request for validation and disputes as well as Federal Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-06 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: FORD MOTOR CREDIT CO.
State: ID

Complaint narrative:
XX/XX/XXXX I had a XX/XX/XXXX XXXX XXXX that was totaled in a head on collision that almost cost me my life. I had full coverage insurance I was under the impression that it was fully covered, it has been almost XXXX years and my wages have begun getting garnished at 25 % a pay period it comes out to aproximatly {$600.00} a month, it has put me in sever finacial hardship as I am a XXXX mother currently going through a XXXX. The debt is registered in the state of XXXX and I have lived in XXXX for the past XXXX years. I was unaware that I owed the debt, but apparently there was a judgement against me. I received a notice XXXX days before my pay date of when my wages were to be garnished I had no time to fight it and before I knew it I was unable to pay all my bills. The agency ( XXXX XXXX XXXX Attorney at Law in XXXX, CA ) I delt with constantly passed me off to a new person over and over and treated me as though I personally defiled them and I was XXXX of the XXXX and gave me several wrong numbers of whom I was supposed to speak with that lead me no where. The accured interest is double the amount of the debt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: FORD MOTOR CREDIT CO.
State: NH

Complaint narrative:
I had a car when in XXXX. My father cosigned. I got sick and was in the hospital. Out of spite my father took my car and ruined my credit at the time to hurt me. Ford motor credit is still trying to collect since XXXX. XXXX refuses to remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-29 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
I was never informed of the existence of this account. The original debt is not in my name. I never authorized this. It was a medical bill for my daughter. My wife is the insurance carrier. I never agreed to any payment and I never was aware of this at all. Somehow this collections account ended up on my credit report. It has since been paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Tate and Kirlin Assoc
State: CA

Complaint narrative:
I received XXXX pieces of mail from Tate & Kirlin Associates, Inc, XXXX, XXXX, PA XXXX. I believe this debt collection to be fraudulent because the creditor is one I have never heard of. 

Additionally I have tried to get in contact with this company via both phone numbers listed on the bill as well as the company 's website. All attempts have failed.

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