vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Paypal blocked my account because I signed in from a foreign location. I am a XXXX and am abroad almost all the time. I called their resolution center several times, answered all the security questions successfully, and reset my password. All to no avail. In frustration, I asked that my account be closed and that my credit balance of {$93.00} be returned to my bank account on record ( it is the same account I have been using for years ). In true XXXX fashion, paypal refused to close my account because it is blocked ( by them ) and referred me back to their resolution center which was unable to resolve the problem. I emailed them several demanding that my account be closed and the my funds be returned to my bank account in the US that they have been using without a problem for year. They are crooks and I will never do business with them again but I need help in closing my account and getting my money back. They ca n't just block valid accounts willy nilly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: I.C. System, Inc.
State: OH

Complaint narrative:
There is a debt on my XXXX credit file which indicates IC System as debt collected and also states CLOSED - PAID COLLECTION. I 'm not positive what that means but I have no debt and I never paid any collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Mortgage Research Center, LLC
State: CO

Complaint narrative:
In XXXX XXXX my mom & I called Veterans United Home loans, and placed with XXXX XXXX, Loan Officer. We were interested in a VA mortgage. We were advised that we could apply as my mother is a XXXX Vet, with me as a dependent XXXX XXXX XXXX XXXX we recd notice from Veterans advising we were prequalified. We were not eligible for VA financing, but on XXXX XXXX XXXX XXXX XXXX advised that he would issue a preapproval letter for FHA financing. On XXXX XXXX XXXX I requestedthe terms of the loan because I was missing out on properties. On XXXX XXXX, XXXX XXXX XXXX advised in writing that he could 'definitely make this work ' and on XXXX XXXX XXXX I requested the specifics of the FHA loan. On XXXX XXXX XXXX I received a phone call from XXXX XXXX, at which time I expected to be advised as to the specifics of the FHA loan that was preapproved by Veterans. It was only on that date and time that XXXX XXXX asked for anything more from me than my paystubs. We requested financing up to $ 300K, and advised that we could put at least a 20 % down payment, and {$5000.00} ernest money towards the purchase Only THEN did XXXX advise that my XXXX score did not qualify for an FHA loan. According to the FHA manual, my XXXX score did qualify. XXXX misrepresented that it was FHA, and later admitted it was Veterans Home that would not accept it. 
For almost 2 months, we were unreasonably led to believe that we were only waiting fo the preapproval letter to be issued. There were no qualifiers, no ifs, ands or buts, or any other issues that might disqualify us. We were unethically and unprofessionally misled by this loan officer, and in fact were told that Veteran COULD help us and that we WOULD receive our preapproval letter. Veterans should be required to uphold their promise of financing and finalize the mortgage loan that we were preapproved for. There was never any discussion or mention that ANYTHING would stop the financing process. Ou combined income is in line with the loan amount, and my mother 's credit is outstanding. My credit qualifies me for approval for an FHA loan, and Veterans should approve this financing and proceed to closing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Paypal offers a service of virtual money which is tied to a checking/debit or credit acct to make purchases without leaving your information available to hackers ... They also have a dispute service when dealing with vendors without ethics or deceptive practices ... 

I have used Paypal in dealing with an internet company that has defrauded me of delivery of my purchased items and now refuses to act in a manner complementary to what they claim to offer ... I have filed a dispute regarding a purchase and they have sided with a vendor claiming I have recieved the merchandise ....

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal signed me up for a {$5000.00} credit line as I was simply trying to check out and pay directly. I attempted to call and have the credit card reversed and pay with my existing credit card from another bank. PayPal mentioned I could payoff the line and close it, then file a complaint, but they could not remove the opening and closing of my line off of my credit report. Now, this is listed and causes a downgrade on my credit reporting score. The fields I out to close and pay for services are deceptively placed so by the timeline pays for a service, they do n't realize they have just signed up for a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 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:
Pay Pal created a credit service on me without my permission. I found out in XXXX of this year that something that I had purchased online using Pay Pal and thinking that it was on the " Bill Me Later '' system, I 'd get a bill for it and pay it. They created a new credit service and I never heard anything about it until I was going into debt collection, now I owed fees. I paid the amount and the fees at that time. Then again I bought something on-line and used my credit card, so I thought. Pay Pal apparently could n't collect from that credit card so they charged that Pay Pal credit again and again I do n't hear anything about it until its now in XXXX 2015 and now there are late fees that are attached doubling the amount owed. I again had to pay that yesterday. Now I hear that there is a class action against them for this same thing with others. Who do I talk too?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I used PayPal to invoice a client. The client was expecting to see my business name on the charge statement, and only saw PayPals. The client requested a charge back due to confusion about the charge, then reversed the charge back. PayPal staff today admitted that the charge back had been reversed and that they have had the funds since XXXX XXXX, 2016, however they failed to disclosed or report this to me for over a month per their user agreement. Instead, multiple parties and actions from PayPal have led me to believe they had no information about the funds. ( If there is a hold or a reserve, they are still supposed to disclose that they have the funds ). PayPal has urged me to invoice the client twice, urged me to pay my clients bill, shuttered my account, failed to review the exhibits I submitted in a timely manner, and are having their collection department call me about funds they already know that they have, and are withholding from my account. They have taken up many hours of my time and required me to offer concessions to the other party involved in the transaction. My impression is that PayPals internal process and the information they provide to consumers is intentionally limited and confusing, and has been designed this way to generate duplicate payments and fees for PayPal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
I made a purchase using PayPal. They claim to have protections against fraud committed by the merchant. After trying to go through their dispute process they told me too bad you have to pay for it plus interest. The company I made the purchase from had a stated return policy which I tried to follow. They refused to answer any phone or email. Sticking me with the product. PayPal claims to protect consumer from bad merchant behavior. They lie as bad as the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
Account is time barred.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01 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: Trident Asset Management, L.L.C.
State: PA

Complaint narrative:
I filed numerous disputes with Trident Asset Mgt and advised them to provide me with contracts with authentic signature than begun this alleged debt. Trident Asset Mgt Provided me information that is woefully deficient and fails to establish that this is a valid item. 

First, Trident Asset Mgt have not, by any credible means, demonstrated that I owe this alleged debt to their organization. Trident Asset Mgt have failed to provide any document bearing my signature that would establish that I have any indebtedness to their company. 

Second, Trident Asset Mgt have merely supplied me with copies of alleged bills on the account in question ( OR contract ). These documents, which Trident Asset Mgt could easily have fabricated, failed to prove that there is any legal or contractual obligation between myself, their agency or the creditor. 

Third, as Trident Asset Mgt have failed to establish any relationship between me and the purported debt, I demand that Trident Asset Mgt discontinue reporting this item to the credit bureaus and, in fact, that they delete the item. Additionally, note that if Trident Asset Mgt continue to collect on this purported debt, such action will be in violation of the Fair Debt Collection Practices Act. 

Fourth, I did not appreciate the insulting tone that my validation request was answered in. I have a right to request ANY and ALL proof that I owe this alleged to Trident Asset Mgt AND to the original creditor. Their answers were condescending and I advised them that I would report there negative response to the Consumer Financial Protection Bureau and the XXXX. Trident Asset Mgt hostility was completely uncalled for as I am acting within MY rights under the law. 

To summarize, I DO NOT have any contractual obligation to pay Trident Asset Mgt at this point Trident Asset Mgt have failed to provide ANY credible proof that the alleged debt can be validated. As noted above, a copy of an purported bill is simply not enough satisfactory proof that I, personally, incurred this alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-27 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Gatestone & Co. International Inc.
State: IN

Complaint narrative:
Gatestone has been calling my son and I every five minutes on our home phone, my son 's phone which is ( XXXX ) XXXX, and my cellphone, which is ( XXXX ) XXXX. My son has already told them to stop. They ca n't seem to stop calling us until they get through to one of us. They disrupted my son 's conference call three times this morning and called my home phone at least ten times in the course of 2 hours. My son told them to cease and desist He also told them that I do n't want them to call me. We 've had enough with them and ask they quit calling us. Thanks.

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 2016-10-13 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: Army and Air Force Exchange Service
State: WA

Complaint narrative:
XX/XX/XXXX, The " Take It Home Credit Card '' program was discontinued. I continued to pay my balance, unable to charge anything to the credit card. XX/XX/XXXX I paid {$2900.00} with a remaining balance of {$710.00}. In XXXX I started an automatic payment of {$50.00} per month and have continued to pay monthly. XXXX, I received a bill of {$200.00} with {$100.00} past due. I contacted the exchange program via phone and they told me my minimum payment has been {$100.00} since XX/XX/XXXX. They said that the minimum payment due was calculated from the last time something was purchased, and the only way to reset the minimum payment due would be to purchase something on the card, although discontinued. Then they stated that I was unable to reset my minimum payment due. From XX/XX/XXXX to XX/XX/XXXX, I have paid a total of {$3400.00} to the account. If I had just paid minimum payments from XX/XX/XXXX to XX/XX/XXXX, I would have paid {$1000.00} in total. This does not seem fair since the total owed right now is {$290.00}, and they are asking for XXXX of the total remaining balance ( {$200.00} ). It is also unfair because I am not able to reset my minimum balance based on what is owed, and the company claims they are unable to do the same because it would be " fraud ''. How is it they can set the payment based on the total balance since my last purchase, but they ca n't set it based on the remaining balance and what is actually owed on the account? Another thing the company said is that you can only prepay up to 6 months and then they start requesting the minimum due automatically and this ca n't be changed. Would n't the money I have been paying since the large prepayment count towards repayment as well? None of this seems legal or fair to the consumer.

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 2017-02-28 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: Mandarich Law Group, LLP
State: CA

Complaint narrative:
I continue to get collection notices ( latest XXXX XXXXXX/XX/XXXX ) from Mandarich Law group, LPP XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX and their agent XXXX XXXX. The debt is not mine! Both Mandarich and XXXX have been sent multiple cease and desist letters going back to XXXX Letters state they have the wrong person. My SSN is not XXXX, nor am I XXXX, nor have I had any association with XXXX. Cease and desist letters have failed to stop them from sending me harassment letters. See attached. The original creditor XXXX XXXX established there is no relationship between the collection and me. Also in attached. Previous case numbers include 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 2017-02-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
Hello, my name is XXXX XXXX. I financed a car with XXXX motors and in 2015 I ran into some financial problems due to a loss in the family. I could n't afford the car anymore went late on XXXX payments and they decided to charge off the loan. I immediately sold the car and had the debt settled I really did not want my credit to get worse. But the charge off is still in my credit history is there anyway it could be removed? 

Thank you for your time XXXX bless

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11 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: NV

Complaint narrative:
ASSET RECOVERY ASSOC. Inc. called me several times, and has sent me letters saying that I owe them {$4400.00} on a a credit card I closed over 10 years ago. I checked my credit report, and they obtained my credit history in XXXX. They said that they would take legal action if I did not pay. According to my credit reports, I owe no debt from this company. The FHA did a thorough vetting of me in XX/XX/XXXX, and I paid all outstanding debt. These are scam artists.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Army and Air Force Exchange Service
State: VA

Complaint narrative:
In XXXX My Aafes accounts were transferred to XXXX. Th credit limit of the Military Star card was {$6000.00}. There was about {$5000.00} charged to the card. The Take it Home Today card had a credit limit of {$8500.00} and there was an outstanding balance of about {$7200.00}. ( I do not have exact amounts ) My taxes have been offset through the TOP program each of the following years : XXXX {$8500.00} XXXX {$2300.00} XXXX {$1800.00} A few weeks in a notice dated XX/XX/2017 I received a notice that I have an outstanding balance of {$24000.00} Yesterday XX/XX/2017 I called and requested an itemized list of fees and charges and was told they do not provide such information. 

The combined maximum credit for the Aafes accounts was {$14.00}, XXXX. Payments through tax offsets have already totaled {$12000.00} I am not sure what my rights are, but these fees and penalties seem unbelievably high. I want to address this so I can resolve it once and for all but I have no idea what I am being charged for. These collection practices are horrible. Any assistance you can offer will be greatly appreciated.

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 2017-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Financial Credit Service, Inc.
State: FL

Complaint narrative:
Falsely claimed to have spoken with me on the phone about a debt. I have never had any communication at all with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANCORPSOUTH BANK
State: TN

Complaint narrative:
I have disputed an alleged outstanding debt that is held by Bancorp South on several occasions, per my rights as stated by the FCRA. Bancorp South has failed to provide me with support for the debt that they allege that I owe, including a calculation of my balance from the origination of the said debt to the present time. Instead of providing me with this documentation, they have harassed myself, my family members, etc. They have called us pretending to be the US Postal Service, etc in order to obtain or address. They have also filed a civil suit to collect the debt, rather than provide us with proof of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-25 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: PNC Bank N.A.
State: WI

Complaint narrative:
PNC purchased our home mortgage from XXXX XXXX. This is the XXXX or XXXX financial institution that has handled our loan. Yet I 've never seen XXXX charge a {$7.00} fee to make a " XXXX '' mortgage payment online! This is outrageous because there is literally almost XXXX cost on their end. If anything, mailing them a check will actually cost them more. I do n't want to sign up for recurring payments as I like to be able to control the timing of when I make the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Ashfield Management Services Inc,
State: TN

Complaint narrative:
I live in TN. A third party debt collector in XXXX, NY, dba Ashfield Management Services, representing XXXX in FL, is attempting to collect on a payday loan from XXXX, which is allegedly a tribal entity in CA. I have been working with a consumer advocacy/ debt management company to resolve old debts, and the the original creditor was notified in writing by them and by me. Representatives from the above debt collector, Ashfield, have continuously called my workplace, even after being told not to call and that we ca n't accept personal calls at work. They repeatedly shared information with other employees in my office about the issue and told staff members that if they were n't allowed to speak with me they would come to my work and serve me a warrant. When I called them back, " XXXX '' refused to properly identify himself as a debt collector and could not tell me for sure what state the creditor was located. He was very loud and abusive/ aggressive and made numerous threatening comments about " serving '' me at work and recommending the creditor sue me. When I requested the original contract with the creditor be sent to me, he said he did n't have that, and there was no signature page because I borrowed online. He originally said I owed {$500.00}, but later said I owed them {$830.00}. I told him to stop contacting me at work or during work hours. He continued being aggressive and loud so I hung up. He called me back at least one more time, maybe twice. Later yesterday, I received an email from a XXXX at Ashfield Management Services claiming I owe {$830.00}. XXXX is not licensed in my state of TN to offer loans, and the terms of the loans, including interest rate, loan amount, and renewal are not legal in TN. Can you advise me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX began a nonjudicial foreclosure on my property based on an declaration by a person named XXXX XXXX who is identified as an " authorized agent '' of PNC. I can not find such a person working for PNC albeit I do find a person by that same name working as a Relationship Banker for XXXX Bank and XXXX in the XXXX area for the past 9 years - not PNC. XXXX : XXXX I brought this to the attention of the NWTS attorney ( XXXX XXXX XXXX who stated in an email to on XXXX/XXXX/16 that he confirmed that XXXX XXXX did work for PNC. However, XXXX XXXX would not provide XXXX XXXX 's contact information and said contact PNC. He would not explain how he confirmed her employment. PNC will not confirm her employment. XXXX ( XXXX XXXX XXXX contact information : XXXXXXXXXXXX

Company response to consumer: Closed with explanation