vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-13 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:
I enrolled my XXXX dogs in XXXX program three years ago based on information given me by their salesperson. When I realized that the program was not all they claimed to be and other charges were being charged in addition to the monthly subscription, I cancelled the membership. XXXX billed me and reported my account to the credit reporting agencies. After I disputed the charges, XXXX removed all negative information from my files and cancelled the debt. Now, IC System, a junk debt buyer, is trying to re-open the debt and is attempting to collect from me. I am reporting this IS System firm and its attempts to collect a junk debt as fraud.

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 2015-05-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: Flagstar Bank, N.A.
State: MA

Complaint narrative:
I have a VA home mortgage loan with Flagstar Bank since XX/XX/XXXX I received a letter dated XX/XX/XXXX stating that my loan was transferred to XXXX XXXX XXXX Bank and this was my 15 day notice, the letter was delivered by the USPS, first class on XX/XX/XXXX. When I called Flagstar Bank to ask why it was being transferred, the customer service representative " it is just banking, how it is done '' she then said because the loan was being transferred I would have a sixty day " grace '' period to make the XXXX payment to XXXX bank. Asked about the letter being delivered with only 8 days left in the customer notice, she said " the XXXX took 7 days to go from XXXX to XXXX ''. I disagreed with that statement and said " the customer is supposed to get 15 days notice '', if it takes 7 days to deliver it is not 15 days. 
I investigated XXXX bank and called their customer service number, the " 60 day grace period '' is false, only 15 days. The bank is also a " debt collection agency '' with an abusive track record. The bank, from the reviews that I have read, is only interested in forcing the customer in foreclosure by any means, losing paperwork, rewriting the rules, increasing penalties and not having a customer service representative stay with your case. 
I feel that this transfer is a poor choice and that I will be spending money on a lawyer and answering harassing phone calls. 
XXXX this is not how I want to spend my remaining years fighting with a profit driven bank. 
I have included the transfer letter and several pages of customer reviews of XXXX bank practices. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Hi, We will file XXXX complaints, this one is to Paypal, and a XXXX one will go to XXXX XXXX. 

A friend of mine just lost her husband on XXXX/XXXX/2016, and then she and her young daughters ( XXXX ) was ready to sell the piano in the house for financial purpose. They put the ad on line and someone ( named XXXX XXXX ) called in and agreed on buying the piano per asked price. The next day, an email in the title of Paypal, with Paypal logo and email address, came to my friend saying a secured payment has been made but will be on hold until payment of {$600.00} to be paid to the transport company thru XXXX XXXX. My friend sent the money by going to the nearest XXXX counter, and then another email in Paypal title came in saying the transaction is moving forward, but will need to pay government tax in the mount of {$520.00}. My friend felt very odd and get in touch with both Paypal and XXXX XXXX by calling in, and was told this must be an online fraudulence, and the money has been taken leaving the customers of these XXXX companies unprotected. They can not do anything but just gave out a case number. In this case, both Paypal and XXXX XXXX have been used by the criminals, and their creditability and reputation are stained. Paypal and XXXX XXXX must do something to patch the holes in their business model to keep their customers from further losses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I received a payment in the form of a gift via PayPal. Shortly after, PayPal limited my account, without an option to appeal, without notice or reasoning. With that being said, my payment or {$1000.00} is now being held, for 180 days, which is an extreme abuse of power and policy. I did nothing to violate there terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-08 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
PayPal is having a glitch where the available account balance on many of their customer 's accounts is not reflecting the sum of the incoming transactions, thereby making it impossible to withdraw the full amount of funds in my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
Medical bill stemming from a motor vehicle accident XX/XX/2013. 
Entire bill was paid from medical bill lien {$5700.00} dollars ( Copy Enclosed ) and account is settled in full. 

This is the second attempt to collect this debt from this XXXX office.

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 2016-02-10 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
In XXXX XXXX, I closed my BILL ME LATER account. 
I made a purchase in XXXX XXXX for {$12.00}. This was somehow charged to PAYPAL CREDIT not my PayPal.com account. 
The {$12.00} charge grew to {$27.00} in late charges, because I did n't know I had a PAYPAL CREDIT account. I suppose it was because I CLOSED THAT ACOUNT SIX YEARS AGO! 
I was able to speak to someone at the PAYPAL CREDIT company, waived the FEES and pay the principle. I CLOSED THE ACCOUNT AGAIN. Fingers crossed this time it sticks. 
Recently PAYPAL was fined and ordered to improve its disclosures for PayPal Credit. They clearly have not done so. 

Regards, XXXX XXXX XXXX XXXX, California XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I received a missed call from IC Systems regarding a collection account. I returned the call to gather some information from the agency. Upon contact with the agencyi was treated like the scum of the Earth. I simply requested validation of the debt from the agent and was told it was previously sent out. I asked how could it have been sent if this was my first contact with the agency. The agent proceeded to inform me validation was sent on XX/XX/2017. I advise the agent I had n't received any communication from their company and again this was my first contact. I informed the agent whatever she claims was sent was the first notice NOT validation of the debt. I also informed the agent I have a right to request validation of the debt and by law the agency had to provide it. The agent became very argumentative and upset. I then requested to speak with a supervisor and the agent hung up the phone. The phone call requesting money for an unknown debt after knowingly sending out a notice that i have not received is a violation of the FDCPA ; clearly overshadowing..

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 2016-12-09 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My account with paypal was frozen and I have a balance due to me of {$470.00}. Paypal wont release it and I want my money ASAP!!!! It was already been 3 months this is unfair, that is my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: ZWICKER & ASSOCIATES
State: MD

Complaint narrative:
Zwicker and Associates did not follow the proper procedures before placing the garnishment on my checking account and they refuse to allow me to remedy the situation. I called several times to try to come to a settlement or set up payment arrangements, to no avail. I should have had notice of the garnishment and judgment filed against me, but I did not. 

I was never notified of the garnishment by this agency. Instead, I was taken by surprise when I tried to access my accounts at my bank. I was originally summoned to appear in court in XXXX 2016. However, I was not able to appear in court because of recently having had a baby XXXX the week before. 

This agency has refused to allow me to make payment arrangements and as a result, the judgment and the surprise of this garnishment places an undue burden on my household and puts my job at risk. I have XXXX children, have to pay daycare, and most importantly - I have to keep my job so I can pay rent. I am experiencing financial hardship as a result of this garnishment and this agency refuses to show remorse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-01 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: UMB FINANCIAL CORPORATION
State: KS

Complaint narrative:
Quicktrip has offered gas station card through UMB Bank. I held a card which was paid in good standing. They switched provders to XXXX XXXX XXXX XXXX XXXX earlier this year. I changed where I am sending payments and monthly statements provided by XXXX XXXX XXXX XXXX XXXX show my account is laid. But I am now receiving collections letters from UMB Bank saying I owe on my Quiktrip account. What gives?! I have paid every statement I 've gotten!

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 2015-07-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Columbia Recovery Group LLC
State: OR

Complaint narrative:
I contacted Columbia recovery group about an account they received from XXXX XXXX apartments that I had discharged due to bankruptcy. They agreed that debt was satisfied and that the account was closed and current. But my credit report still shows it open and active and in collections witch is is not the cash. Columbia recovery group said all the information on there end was done correctly and it should be closed and not showing in collections on my credit report. I have filed a dispute for XXXX for this same account and now I would like to file a dispute for XXXX to remove this. Thank you and my contact number is XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Mid-Michigan Collection Bureau
State: MI

Complaint narrative:
Mid Michigan Credit bureau is reporting under XXXX credit bureaus accounts that they have not verified

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I purchased my vehicle from Credit Acceptance Corporation in XXXX 2013. I recently fell behind on my payments by 45 days. On XXXX XXXX around XXXX XXXX XXXX. they repossessed my vehicle. I was supposed to be notified by letter 24 hours prior to this according to NY State law. The person who picked up my vehicle said to give him a call when I paid and I could pick it up after the loan company sent a release. I called Credit Acceptance immediately and was told I owed {$670.00} ( XXXX payments plus late fees ) I made and arrangement to pay on XXXX XXXX, which I did ( less than 48 hours later ). I was told by the loan company that I could pick up my vehicle and to call the towing company to make arrangements. When I called I was told that my vehicle had been picked up by the auction company that morning. I made 5 more calls to Credit Acceptance on Friday trying to locate my vehicle. I was first told it was n't at the auction house yet. I requested an address, which they said they could not give me. I was then told they could not contact them and Someone would call me back, which they never did.. Finally I was told that they were closed for the day and to call back Monday. I called 3 times Monday XXXX, XXXX, and XXXX XXXX finally getting my vehicle released. I was told it was now in XXXX, NY ( XXXX miles away ). I made arrangements to pick it up Wednesday XXXX. I was told that the plates had been removed and to contact the towing company in XXXX, NY. My issue is that I had to make a total of 13 phone calls, I was charged {$40.00} to get my plates and personal effects back from the towing company. I now have to take an afternoon off work to travel to XXXX, incur fuel and toll charges AND I was charged an additions {$85.00} by my loan company for transportation.

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 2015-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Nationwide Intermediary Services llc
State: LA

Complaint narrative:
i received a call on XXXX/XXXX/XXXX from a guy by the name of XXXX XXXX stating he was from Nationwide Intermediary Services. he was looking for my ex wife. I told him I did n't have any way of contacting her, he stated she took a loan out on XXXX of XXXX said my name and SS # was also on it and that I was responsible for the debt. I told him that I knew nothing about this and I was not responsible for this debt. XXXX states that I was responsible for it since my name was on it. I once more told him I did n't sign for any loan and I would n't be held responsible for something I did n't do. then he goes to telling me it was in the amount of {$3900.00}, and that with all the charges on it ended up being {$6200.00}. but if I paid it on that day or before XXXX XXXX it would not go against my credit score. then he said I could give him a credit card number are he preferred a debit card that I could pay it off for only {$1500.00} by that afternoon. I told him this is a SCAM! he states no its not they will garnish your wages and revoke your drivers license if this is n't paid. I told him send me an email let me look at it. he then sends me an email and called me back again asking if I was ready to send the payment? I told him I would send a money order or a cashiers check to him.. he states o we cant accept that only credit card or preferred debit card. I pretty much told him to XXXX off. after checking with XXXX of NY they stating this is a scam. also read online other have also been scammed by these people. the number used to call me was ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation
State: NH

Complaint narrative:
Incorrect plaintiff foreclosed on me, forcing bankruptcy and homelessness.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
I feel that My wife and I were discriminated against during our application process for a mortgage. Additionally, the reasons stated for our application refusal were inaccurate and fraudulent. Our emails and phone calls went unanswered during the application process - we were basically treated disrespectfully throughout the entire process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Rosebud Economic Development Corporation
State: TX

Complaint narrative:
They are calling me and threatening to sue/arrest me, as well as telling me a sherrif will be at my job to serve arrest and serve suit paper work to me. They also are calling me late, after XXXX, and on weekends.

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 2016-10-10 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC

Complaint narrative:
The branch manager refused to answer my questions regarding harassing phone calls when my account is on a direct draft each month. When I asked for the anime of the representative who called multiple times, the manager refused to provide me the name and hung up on me three times when I attempted called back to speak to him. 

When I went to the branch and advised him that I thought it was inappropriate for him to hang up on me, he advised em he did not hang up on me but was done speaking with me. I asked further question about my account and when I advised him I would contact the consumer Financial Protection Bureau, he said I was threatening him and said he would call the police if I did not leave.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Home Loan Center, Inc.
State: NY

Complaint narrative:
My issue is lending tree was who handle all my home buying and assist for all kinds of situation about rates or low price and affordable for monthly payment procedure. And I need to moving process to start and guide me a soon as possible actually I got a call early and asking me about home, it 's a lender mortgage but a want lending tree will participate for conversation to negotiate in my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Home Loan Center, Inc.
State: NJ

Complaint narrative:
I signed up with LendingTree.com as I wanted to learn more about mortgage rates and do some online comparison shopping. I did not realize that LendingTree would send my phone number and email to at least a dozen lenders. For the last 3 days I have been inundated with multiple phone calls and emails. Several vendors have been calling nonstop. At least one vendor checked my credit without my permission. LendingTree 's website does not appear to have any way to close my account and cancel the harassing phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 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: Recovery Partners, LLC
State: CA

Complaint narrative:
I was contacted by a collection agency saying I owed money for a car accident I was never in. The collector claimed that I was driving a XXXX ( which I have never owned or driven ) and hit another vehicle, and refused to give my insurance information. None of this has ever happened. I requested a validation of the debt and all the documents the collector responded with were completely redacted, except for my name, former address, and social security number. I was never contacted by an insurance company, only the debt collector. I went to the police and filed a report, and while I was there the collector called and spoke to the officer. It appears likely that someone has given my name and filed a false insurance claim using my personal information. The debt collector was never able to tell me any thing about the accident, or the other party involved. 

I have repeatedly told the collector that I do not, and have NEVER owned or even driven the type of vehicle in question, and I was not in an accident of any kind in XX/XX/2016 as they allege. I have already filed a police report with the XXXX County Sheriff 's office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: CA

Complaint narrative:
My mortgage loan was just transferred. The new servicer ( PHH Mortgage ) offers NO OPTION for payment either online or via phone WITHOUT " processing fees. '' In the modern world, these are THE MAIN METHODS people use to pay. Are you telling me I can only avoid processing fees ABOVE AND BEYOND my monthly mortgage payment by using snail mail? Very manipulative.

Company response to consumer: Closed with explanation