vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-31 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
# 1 -- PayPal/Ebay Inc Auction where as XXXX transactions were disputed, PayPal/Ebay, withdrew money from my paypal account despite teh buyer recieving th eitem, without verification that the buyer did not recieve after seller verified that the item was shipped and delivered, after complaint. # 2 -- PayPal/Ebay Inc, Did place a hold on my account in the amount of {$70.00} after a dispute was filed by a buyer for an item sold for {$5.00} with Shipping of {$7.00} ( {$13.00} ), this is in excess of {$56.00} abover item in question, i believe this action to be theft and criminal, as there is no basis to hold XXXX times the amount in question. I wish for criminal charges to be brought against PayPal/Ebay for their theft from my accounts, and forbidding me access to my money and property, as this additionally is a violation of their terms and legal bounds

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
PayPal conducted an unauthorized credit inquiry on XXXX XXXX, 2016 on my credit report. Because they enrolled me in a PayPal Credit without my knowledge or consent, making me use Paypal Credit for purchases instead of my credit card and mishandled my dispute about the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Medical provider for my daughter referred a {$540.00} debt to I.C. System XXXX XXXX XXXX. I.C. System will only accept payment by credit card if it is processed through " XXXX, '' which charges a {$30.00} fee to process the payment. The effect is that it charges debtors a {$30.00} fee in order to pay their debts. My understanding is that this violates XXXX 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 explanation
Consumer complaint received 2016-12-28 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:
The collection company ic system has me on collection for the amount of {$110.00} this amount was settled for the amount of {$87.00} I believe, when I call att they say I do n't owe nothing, so I do n't understand why this still shows in 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 2016-04-27 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I never opened a Pay Pal credit account. Despite that I am now receiving calls from XXXX, a collection company acting on behalf of PayPal Credit, demanding that I owe them over {$1000.00}. This is absurd. I have never received anything in the mail or by email regarding any such account, charges to any such account or anything else. I assumed this was a phone scam of some sort, but XXXX XXXX XXXX appears to be a legitimate company

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Trident Asset Management, L.L.C.
State: MO

Complaint narrative:
I contacted this company last year after finding their trade line on my credit report, They told me then it was invalid when I asked for verification. They said they would remove it, yet it still sits on my report and now they are calling me and harassing me about it. 

The trade line shows a date of XX/XX/XXXX for a XXXX store. I 'd like to know when and how such a debt came into being considering I 've never had a credit account with them and still buy from them all the time and they have never said anything to me about any alleged debt. 

Furthermore, I disputed this alleged debt with the credit bureaus and this company is still calling me. No verification on their part, still. 

My next move will be to pursue legal action against this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-12 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Financial Credit Service, Inc.
State: UT

Complaint narrative:
They have called me serveral times including my mother XXXX my father XXXX stepmother once and my daughter XXXX. They have accused me of multiple things but all different to each person. They called from an unknow number telling each of us we need to call ARA at XXXX by end of day or we would all be served. I call back and question them and informed them that I paid on the loan and they told me to prove it to the judge and hung up on me. But they keep calling all of us. They called me using our local sheriffs office number and when I called it back they informed me they dont make phone calls like that. They called my father stating they were from the State when he asked for a phone number to verify it she stated she couldnt give that information out and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Houser & Allison, APC
State: WA

Complaint narrative:
Please cross-reference with XXXX complaint # XXXX. 
I was contacted through email ( attached for this case ) on XXXX/XXXX/2015 by attorney XXXX XXXX with the attorney firm of Houser & Allison, APC. She said that they are outside managing counsel for XXXX XXXX XXXX, XXXX, and were retained to handle issues surrounding a loan. In my initial response to XXXX XXXX, I asked if they were representing any other parties other than XXXX. In her response, XXXX XXXX said that they represent XXXX and the owner of the debt without identifying who that owner is. In my response, I asked who that party is, and any other parties yet unidentified. Her response ignored this question and other questions, and proceeded to threatened me with foreclosure on the property. 
Previously to dealing with Houser & Allison on this matter, I had to deal with the attorney firm of XXXX XXXX XXXX. I was contacted in the same fashion, through email. I asked similiar questions to the attorney for that firm, who refused to answer them. 
There was a previous attempt to foreclose on the property by a foreclosure trustee, XXXX XXXX XXXX XXXX After I disputed the attempt to foreclosure with them and XXXX , eventually the trustee sale was discontinued. 
There has been a total disregard from XXXX and their vendors representing them to address my questions about the validity of the claims and legal standing that XXXX has to foreclose or modify a loan. My questions are never answered and they only respond with the information that they choose to put forward as a response which has nothing to do with my questions. 
I believe that these 3rd party trustee and attorney firms are hired in attempt to foreclose and liquidate the property to enrich XXXX, and are acting as debt XXXX under the FDCPA and they must comply with the requirements of it. 
I will be sending a debt validation letter to XXXX XXXX and Houser Allison on XXXX/XXXX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
Collection agency reported to XXXX on XX/XX/XXXX a " closed '' collection account with a balance of {$19.00} that was opened with their collection agency on XX/XX/XXXX 

I received no dunning notice from the collection agency. 

Section XX/XX/XXXX of the Fair Debt Collection Practices Act says collectors must provide notice to consumers within five days of the initial communication regarding the debt, stating the amount of the debt, the name of the current creditor, and explaining the consumer 's right to dispute the debt and to obtain verification. 

Failure to send a XX/XX/XXXX notice, is a violation of the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 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: R.M. Galicia, Inc.
State: NV

Complaint narrative:
Unknown and appears to be outdated, disputed with no outcome. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: MidAmerica Mortgage Inc
State: TX

Complaint narrative:
I was told it was best to shop mortgage companies when refinancing, but XXXX of these companies submitted XXXX hard inquiries on my credit report, though I was given the impression they would only be soft inquiries. The very thing they tell me is bringing down my score! Not removing these will keep me from refinancing my home. Please help.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: EZCORP, INC.
State: CO

Complaint narrative:
I was contacted by a company XXXX XXXX XXXX on a payday loan. They said I had committed a crime and would be put in jail if I did n't immediately provide them with money. They said it was a misdemeanor offense and that I would be put in jail if I did n't pay. I had my attorney contact them and they refused to provide any contact info to him. They also call my father and my work and said I owed a debt. The called repeatedly, and when I said I would set up a payment plan they said I was going to jail unless I paid today. 

The only info I have on this company is they call themselves XXXX XXXX and their phone number is XXXX XXXX XXXX they gave me a case number of co XXXX and I was to contact XXXX XXXX at ext. XXXX

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 2016-08-06 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Mandarich Law Group, LLP
State: OR

Complaint narrative:
A lawsuit was filed by XXXX XXXX XXXX ( plantiff ) on a credit account issued by XXXX, by the Mandaarich Law Group, LLP, XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. This is on a debt of {$1700.00}. I have no idea who the original creditor is. They are stating in the suit that the last payment was made on XXXX/XXXX/XXXX. This debt is more than XXXX years old. I have not recieved any communication from XXXX that I am aware of until I was served papers on Friday, XXXX XXXX, XXXX. I am currently on XXXX following XXXX breakdowns XXXX in XXXX and XXXX in XXXX for which I was hospitalize twice. The greater of the year of XXXX and partially in 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 explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Trident Asset Management, L.L.C.
State: WA

Complaint narrative:
I have tried to contact this company numerous times to pay my debt, but there is no XXXX answering my calls or emails. This business seems to be closed, but I 'm unsure. I also need to know who to pay my debt to so I can close my accounts.

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 2015-09-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc.
State: DE

Complaint narrative:
About 20 or 25 yrs ago XXXX said that i owe them some money but I never took out any loan or anything from XXXX, I sent word to the D.A in their home town but they never got any word from them, now almost 10 yrs. later I get a letter fro a company called ARA Collection they took over the loan or some thing I do not know. Now they say I owe the around XXXX and sum thing

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Central Portfolio Control Inc.
State: CA

Complaint narrative:
I had shopped a XXXX and had a couple of inexpensive items on value-pay. When I updated my credit card information they did not process it correctly and then, with out my permission ( I have no idea how they even obtained the phone number ) they called and harassed my XXXX year old parents because of it, causing damage to my relationship. 

My credit card was changed out by my bank because there was fraud on the account. I had to wait for the new card to arrive. My phone kept ringing and then the person would hang up when I answered. I finally did a reverse look up to find out it was Central Portfolio Control/XXXX that was calling. I called them back and told them I had updated the card, which had arrived by then. But they still kept calling more than once a day. Two days ago I went to my parent 's home and found out that Central Portfolio Control/XXXX had been calling my XXXX year old parents and harassing them all week too. All of this over missed value payments of {$45.00} that was less 15 days over due, and after I had updated the information several days before. They have no right to violate my privacy by calling and harassing my XXXX year old parents. I 'm a married XXXX year old woman that lives in a different city than my parents. I have never used my parents phone number or given Central Portfolio Control/XXXX permission to contact them. I live in California and this is not legal in that state. 

There is no way they can undo the personal damage that they did to me by violating my privacy in that way. All of this over the transfer of a credit card and {$45.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc.
State: FL

Complaint narrative:
I have been receiving multiple calls per day from a number with a XXXX area code, for several days. I finally answered the call and it was about a 15+ year old debt. I hung up. 
They called back immediately and left a voice mail message. They claimed they were pursuing legal action in XXXX county Florida, where I reside, with a case number of XXXX. 
They are using deceptive tactics to collect a debt that is well beyond the Statue of Limitations in Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.M. Galicia, Inc.
State: OK

Complaint narrative:
I go to XXXX XXXX hospital and then the send a medical bill is {$3200.00} and then I said I have no capacity to pay the bill. I want to make payment arrangement. But the do n't say nothing. The send my bill to debt collection agency. And right now the collection agency charge of interest with my medical bill. So right now what I do.and I already contact to agency to make a payment arrangement like {$40.00} as month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Rhojo Enterprises, LLC
State: TX

Complaint narrative:
I wrote Orion 30 days ago demanding legal validation. They have ignored me.

Company response to consumer: Closed
Consumer complaint received 2016-03-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: AR

Complaint narrative:
My loan was sold from XXXX XXXX to PHH. I did not know this as I never received a notice. I have been paying my loan on " autopay '' but XX/XX/XXXX went to increase principal payment amount and saw my loan was paid off. I called XXXX XXXX and they told me my loan had been sold to PHH. I asked them to provide me with account information for PHH so that I could reach out and ensure payment would be made on time. XXXX XXXX refused to provide any information stating that they could only mail or fax. They also communicated that I should not worry as I had 60 days to make payment. Then on XXXX XXXX, I received a bill from PHH that was mailed on XX/XX/XXXX showing that payment was due on XX/XX/XXXX but mailed on XX/XX/XXXX?? It also showed that they never debited XX/XX/XXXX payment and now they showed XXXX months due. I tried to go to PHH 's site to pay but was unable to do so due to their site 's limited functionality. I did set payment for " autopay '' that will start with XX/XX/XXXX payment, and mailed in a check on XX/XX/XXXX for XX/XX/XXXX and XX/XX/XXXX. Then on Saturday, XX/XX/XXXX, I received a notice from PHH saying that I was 31 days overdue on my mortgage and that adverse actions may be taken. This is frustrating and causing me much anxiety as it is very important that I maintain a good credit rating and on-time payment history. PHH 's notice requested that I called " immediately, '' but when I tried their IVR noted that they were closed. Their poor processes are unacceptable and must be corrected. Moreover, they need to guarantee to me that no adverse action was or will be taken on my account. Not to mention, that they owe homeowners like me an apology.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: LA

Complaint narrative:
eGS Credit did a hard inquiry on my credit reports without my permission or knowledge which affects my credit. I want the inquiries removed asap. I did not apply for a loan and not of your boxes applies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: ZIONS BANCORPORATION
State: NE

Complaint narrative:
1. The National Bank of Arizona in XXXX, Arizona, froze my joint checking account for no logical or legal reason and held funds hostage that I needed to operate my sister 's estate following her death. They did not provide me online access to statements even though I am ALSO the probate-court-appointed personal representative for the estate. The result was my inability to pay the mortgage and other utilities and expenses ; late fees and attorney fees have been incurred. 
2. The National Bank of Arizona is demanding full payment for a home equity line of credit ( HELOC ) due to their own error in freezing the account the payments come from. 
3. The National Bank of Arizona is imposing a {$500.00} prepayment penalty when the HELOC is eventually paid, upon the sale of the property it is secured by, which is excessive and can be waived.

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 2015-05-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Western Portfolio Assets
State: LA

Complaint narrative:
A person called me claiming he was law enforcement telling me I owed XXXX. The guy 's name was XXXX from XXXX from XXXX ext XXXX person said I owed on an XXXX I never had. He threatened to sue me and ruin my life. He was very rude, intimidating and told me I need to give him XXXX to make it go away. I told this person I did n't have a card in years. He hung up called my job and tried to get them to garnish my wage without any information, paperwork, or phone number because he said he could do what he wanted and did n't need it. He must have pulled this scam before but my job hung up on him and that is why I am contacting you. another person at XXXX called to do the same thing a week before. Claimed to be from XXXX asset management guy named XXXX XXXX ext XXXX. I am tired of these con artists and have no clue who these people are and how they got my information but I am filing this complaint to stop this type of crime. If it can happen to me it might be happening to someone else. I am not paying people who refuse to identify themselves, have false claims, and is trying to shake me down for money I do n't have

Company response to consumer: Closed
Consumer complaint received 2016-08-17 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: KY

Complaint narrative:
I have been contacted by EGS Financial for a debt I owe to XXXX Bank. On XXXX XXXX, 2016 they contacted me six times from a different number each time. I will list the numbers below and the times that they called. At XXXX I was able to take the call and spoke with a representative. I asked her if they have mailed a letter for debt verification. She stated that they e-mailed me, I advised that I have never received an e-mail in my inbox nor my junk mail. I advised her that they are supposed to mail a letter and they are not supposed to be contacting me on my cell phone but my home phone. Also, I advised that calling me more than twice a day is harassment. I advised them to stop contacting me. The representative was very rude and hateful also. 
The numbers that they have called me fron is XXXX at XXXX XXXX at XXXX XXXX at XXXX XXXX at XXXX XXXX at XXXX XXXX at XXXX

Company response to consumer: Closed with explanation