vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-07 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I transferred money using PayPal to another account holder in the US. The recipient then asked that I do an ACH transfer instead and cancelled the PayPal transfer. I checked and saw that the PayPal debit had not yet gone through and so I sent the ACH transfer. Later that same day, the PayPal debit still went through, which overdrafted my checking account. Eventually, that payment was credited back to my checking account, I complained to PayPal about the overdraft fee, and they refunded it to me. 
Now, 9 days later, I see that PayPal has again attempted to make the same payment which was cancelled, again overdrafting my checking account, and again causing my bank to charge me a fee. This payment should never have been tried a second time, and if it was going to be tried a second time, I certainly should have been notified of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 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: I.C. System, Inc.
State: WA

Complaint narrative:
IC Systems changed the original date of delinquency on an account that has been removed from my credit report for a long time. They showed a very short time frame and moved the date to XX/XX/XXXX as the origin and XX/XX/XXXX as the close. Due to the short period, I strongly feel that this was done knowingly and purposefully. I have never been contacted by this company, and the only reason I was aware that they had performed the illegal action was due to an alert to a change on my credit report. I have started the dispute process with XXXX, but do not feel as a consumer that I should have to wait 30 days for a response to this illegal action by the collection company. This illegal action has made a considerable reduction to my credit score and limited my ability to use what I have worked for. As re-aging is clearly stated as an illegal practice, I would like for further action to be taken against IC Systems for their purposeful deceptive tactics. I will file this complaint as well as pursue other avenues to correct my report and ensure that IC Systems idoes not attempt to use fraudulent tactics in my reports in the future.

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 2017-01-13 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
I sent a money transfer through PayPal. The recipent did not receive the money so I disputed the charges. PayPay did not decide in my favor claiming that the transfer was completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Eltman Law, P.C.
State: NY

Complaint narrative:
I recently was having my wages garnished by a debt collection agency ( Eltman Law, PC ) they were garnishing my wages for more than XXXX moths. Once I noticed and realized what was happening I contacted ( Eltman Law, PC ) they sent my a letter stating the ( Creditor ) and the ( Amount owed ) and ( Account # ) they said the account was opened on the year ( 2000 ). This account does not belong to me. Also if this account is from the year ( 2000 ) its been more that XXXX years that this debt has been outstanding. It is ILLEGAL for ( Eltman Law, PC ) to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 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: Trident Asset Management, L.L.C.
State: OK

Complaint narrative:
XX/XX/2012 I wrote a check to XXXX for a water heater, the water heater did not fit, so I returned it to XXXX. They told me I would have to wait two weeks for check to clear before they could refund me. They did n't have a water heater that would fit my closet and I did not have an additional XXXX dollars to just buy one elsewhere and wait for a refund, so I explained to the manager that I would leave the water heater there and stop payment on the check. She wrote me a receipt for item received and I went on my way. 
Then recently I check my credit report and seen a collection for XXXX to trident management so I contacted them and was informed that it was for a stop payment on a check to XXXX. I explained what happened and only relief I was offered was a settlement. I disputed through XXXX and was told it 's a valid debt. This is NOT a valid debt, they have the item I returned and then turned the stop payment check over for collections. Which I would think is some sort of fraud to collect payment on goods they have in possesston.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-23 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Stallings Financial Group, Inc.
State: GA

Complaint narrative:
There was an outstanding balance owed by my ex-wife at a dentist for our children. The dentist forwarded the debt to a debt collector in XX/XX/XXXX and when I was contacted I immediately payed the debt. In XX/XX/XXXX the debt collector added a collection to my credit report for {$720.00} and refuses to remove it. I contacted the dentist office and they report they have not received the money I paid to the debt collector. Also the balance was only {$470.00} yet I paid {$610.00}. The dentist office was supposed to take care of this error but they refuse to answer my phone calls and the debt collector hangs up on me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: Gatestone & Co. International Inc.
State: AZ

Complaint narrative:
One day when I first got out of jail for XXXX I was start to pay the fine of it was only XXXX dollars and half through paying it off and one day I went in to the court to pay and the lady told me I 'm done there is a XXXX balance now and I 'm done paying the whole thing that everything was done .Later on I caught another charge and I was starting to pay it off and they told me that they brought up this old charge and and said I have to contact them immediately so I did and now I have to pay more money now it 's up to 2000 dollars and that 's money I now do not have they keep harassing me and I do n't have that kind of money they wo n't stop Harrissing me and I can not pay them the money now.

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 non-monetary relief
Consumer complaint received 2015-04-23 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANCORPSOUTH BANK
State: MS

Complaint narrative:
Hello, Please find enclosed, documents for your review. I am filing a complaint against Bancorpsouth regarding the merchant XXXX XXXX in the amount of {$4900.00} filed on XXXX XXXX, 2014. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: Army and Air Force Exchange Service
State: MA

Complaint narrative:
My commander was contacted on several occasions due to payments I made late on my exchange credit program ( ECP ) card. As your site says below, this is illegal, yet it is right on the ECP 's page of frequently asked questions payment questions. I understand that this matter is right in their terms and conditions, however, if this matter is truly illegal, there should n't be any " wiggle room '' in the matter.

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 2016-09-28 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
File against : PayPal Credit ( Bill Me Later, Inc ) Refusal to admit me in a hardship program for my XXXX, XXXX in car wreck unable to pay, I should qualify for a med hardship program? I am currently still treating for XXXX and XXXX resulting from a car crash that was not my fault. This XXXX has caused me to lose income and hours. I have repeatedly tried to bring this to the attention of paypal credit relating to my balance. My credit continues to get hurt because I am not on a proper repayment plan. I do not want my credit hurt, I want a proper repayment option or options that I may be entitled to given my XXXX hardship. All my other financial institutions have offered me programs for this type of issue. What are available to me? Please respond in writing to the mailing address on file, so that I can bring my account in good standing. Thank you. 

Your Desired Resolution : I do not want my credit hurt, I want a proper repayment option or options that I may be entitled to given my XXXX hardship. All my other fincancial institutions have offered me programs for this type of issue. What are available to me? Please respond in writing to the mailing address on file, so that I can bring my account in good standing. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Nu World Title, LLC
State: FL

Complaint narrative:
LAST FRIDAY I WAS CALLED TO DO THE CLOSING OF A HOUSE THAT I WAS TRYING TO BUY,THE TITLE COMPANY(NU WORLD TITLE,LLC)TOLD ME I WAS GOING TO NEED A GIFT FROM A FRIEND FOR THE AMOUNT OF 3700.00,THAT CALLED MY ATTENTION BECAUSE I HAD ON MY ACCOUNT ENOUGH MONEY,AFTER CLOSING I HAD A BALANCE OF MORE THAN 6K.
AFTER I SIGNED AND THEY GAVE ME THE HUD-1 ON FRIDAY NIGHT THEY INSIST IN THE GIFT AMMT TO BE TRANSFER TO THEM,ON SATURDAY I RECEIVED MY KEYS AND I MOVED IN OVER THE WEEKEND,ON MONDAY THEY STARTED CALLING ME FOR THE GIFT MONEY AND I REALIZED THAT THEY NEVER GAVE ME THE WARRANTY DEED,TODAY AFTER SEVERAL CALLS MY REALTOR JUST INFORM ME THAT WE NEVER DID I CLOSING AND THATS WHY I DONT HAVE A WARRANTY DEED,NOW IM LOST AND I DON'T KNOW IF I HAVE TO PAY MORE MONEY OR IF I DON'T AND I ALSO WAS TOLD BY MY REALTOR THAT THE MONEY I PAYD FOR INSURANCE(XXXX) IS NOT INCLUDED IN THE CLOSING COST AND THAT'S WHY THE AMMT I PAYD OVER THIS PROCESS IS NOT THE SAME THAT THE ONE IT'S IN THE LINE#XXXX OF THE HUD-1.
CAN SOMEBODY CLARIFY WHAT IT'S INCLUDED IN CLOSING AND DO I HAVE TO LEAVE THE HOUSE AFTER I MOVED.THANKS IN ADVANTAGE AND I'M WAITING FOR A PRONT RESPONSE.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: UNITED SECURITY FINANCIAL
State: UT

Complaint narrative:
I recently applied for and received a mortgage through United Security Financial Services. In the process my loan was changed from FHA, that 's what the disclosures I have say, to conventional and the interest rate seemed to change weekly. Each time it changed the costs would also change and I never knew what they were and could n't get updated forms from them. The loan process dragged on for months with constant changes and no answers. We finally closed after they made me pay my car lease off but they over paid the loan to XXXX and was told I was just out of luck. Luckily I got the extra money from XXXX back. The other promise was that I was supposed to get my appraisal fee back of which I have never received. The fiasco goes on and on. They sent my doc 's to the wrong notary service to come and have me sign. I do n't know where those documents ended up with all my information in them. They also promised that they would not sell the loan and service it in-house. They have since sold it. I have been told by many people in the industry that the loan was n't handled properly and within compliance. When I told United what I was going to do, they said we love proving that we do everything right and please do file the complaint. Kind of a weird statement to make implying that they have had to do this before. I do n't know what my options are on getting back my appraisal, but I do want to lodge this complaint. 


Thank You XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-31 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: FL

Complaint narrative:
I received phone calls from Trident Asset Management looking to collect of a debt that was stemming from a 2014 case of ID theft. I explained to the contact there that that I had a documented case of IDT and it was reported to the major credit bureaus and filed police reports. I did not hear back from them for several months. I have recently been receiving demand letters from XXXX XXXX XXXX of Trident Asset Management. I sent her a certified letter with a copy of my police report proving my claim of the false debt and am continuing to receive demand letters from her. Stating that if I do not respond in writing within 30 days they will consider the debt valid and have a judgement made against me. I keep responding and they keep sending me letter telling me that they are going to get a judgment.

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 2017-02-21 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:
This payment was settled with the hospital directly and Progressive Management Systems has not verified the collection. They have provided no contracts, signatures, or other documentation confirming the debt is verifiable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NRA Group, LLC
State: IL

Complaint narrative:
They keep calling me asking for " XXXX ''. I do not know nor am affiliated with anyone by that name. I 've asked them to stop calling, they confirmed they would put me on a 'Do Not Call ' list. And yet they 've called again today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Prepaid card — Government benefit payment card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: IN

Complaint narrative:
I have been a Rushcard holder since 2009! Recently I had applied for another card so that I can get my tax refund deposited on it. Well I have yet to recieve my card that already has my refund on it. It has been over a month and everytime I call the customer service they first of ca n't speak English and they apologize and cancelled the card that they claimed was sent and then issues out another XXXX card well they OVERNIGHT the card and of course I have never recieved my card nor money and this is my last resort. My husband aplied for a Rushcard after me and he has received XXXX and I have yet to recieve mine. I guess it 's because my card has money on it!!!!!!!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-20 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: MI

Complaint narrative:
My Direct Deposit went through as it usually does but this time I have no access to my money. First my balance was not reflecting my direct deposit it said {$0.00}. Apparently they were doing a system update and there was a problem because I then had unauthorized out of country charges to my card. Now my old card is not activated so I 'm waiting to get my new card so I can pull the rest of my money out. Also the card was ordered express shipping for {$30.00} on Friday. It is now the following Tuesday and I still have no card and no tracking number. Of course I 've called XXXX and so far there is nothing to be shipped to my house. Today I 've tried to contact rush card and like it has happened since this mess started I keep getting hung up on!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-24 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: AZ

Complaint narrative:
I put {$500.00} on the XXXX of XXXX. My card has a {$0.00} balance. When I call it says my card has not been activated. I have had this card for 2 years. It 's activated. When I finally did get through to speak to someone, I was told they ca n't access any accounts, and I would be contacted by text message when it was fixed. I 'm still waiting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-13 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: PA

Complaint narrative:
we are having problems with rushcard in the last two days i think they took all of our money from us even me. There was a system update on all accounts that everyone has they told us yesterday on XXXX XXXX that we would have it up and running as soon as possible by XXXX time and it wasnt my account has a XXXX blanace wish is wrong and there was XXXX dollars left andf now there is not they have not answer us on XXXX or there phone calls i think they took everyone money they have and ran off with it this is a scam and i want my money back plus the days im losing from work with no money to help out my family at all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.A.Rogers, Inc.
State: TX

Complaint narrative:
My ex-wife and I had an account in which she was supposed to be responsible for paying the account. She has since denied any responsibility for this account and it went to collections. The collections company is utilizing very ambiguous and questionable business practices by frequently increasing and changing the amount due. The original debt owed to XXXX XXXX XXXX XXXX was {$19000.00}, as reported on my XXXX/XXXX/2015 XXXX credit report. At Within the past THREE months the balance has been reported to all XXXX credit bureaus at a higher and different amounts. I am very aware that XXXX XXXX has already written off this balance as bad debt, and this company is trying to get more money while seriously damaging my credit. They even put on my credit report negative comments like " debtor has now been located ''. I had previously called and they had my address so the implication that I was missing is slanderous because it is affecting my good credit history. 
I have made multiple attempts to resolve the issue I have asked them for documentation of how and why the balance increased from {$19000.00} on XXXX/XXXX/15 to XXXX on XXXX/XXXX/15 to {$30000.00} on XXXX/XXXX/15! I have attached copies of the various notices in letters they 've changed demonstrating the rapid increase in the balance with no justification or as to why the balance have changed. I spoke with this company and they refused to settle, refused a payment plan, refused to explain or send a detailed invoice, they just keep sending notices with higher balances due. And each notice looks different. When I asked to speak with a manager, the woman, possibly " XXXX XXXX '' on the phone refused to get a manager for me. She was rude and very disrespectful. 
I really want to get rid of this problem. I would like to settle for 20 % of the original {$19000.00} debt due to the fact of the stress, defamation of my character by negative and fraudulent reporting to the credit bureaus, and problems working with this company have caused me. 
Thank you for any assistance you can provide me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Empowerment Ventures, LLC
State: GA

Complaint narrative:
I made transaction on my Rushcard that resulted in lost funds and interactions with very rude customer service agents and a rude dispute department. I made several transactions that are not showing up in my account. They are telling me that these transactions were never made against my account - Pending XXXX XXXX XXXX - {$67.00} Transaction ID : XXXX Pending XXXX XXXX XXXX - {$67.00} Transaction ID : XXXX My bank statement does not show these transactions but they were made to the company identified in the information about the transactions. 
I want to have a repair of my bank statement done and find out why my debit card was altered to no show these transaction and why my account is in the negative. 
I was allowed to make transactions on my account when it clearly showed that the account was in good standings. However, later changes where made that made the account go in negative standings. I also had problems with my transaction with XXXX on XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: TX

Complaint narrative:
My whole direct deposit is gone! No funds in my account due to a " Upgraded System ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-30 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Data and Contact Management Solutions, LLC
State: OH

Complaint narrative:
They will not release claim after debt was paid in full by me for my deceased mother, XXXX DCM Services DCM Services Headquarters XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, MN XXXX Local : XXXX My name XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation