vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: GA

Complaint narrative:
I have inaccurate late reporting on my credit file. I have contact the credit agencies to dispute this and they stated that the information was verified. I find that hard to believe considering that all of the credit agencies are reporting something totally different. I asked that Volvo Finance remove all of the late reportings from my credit file since their reportings to the credit agencies have several discrepancies. I know that I had not been late on any of my payments to Volvo Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Secure Capital Management, Inc.
State: TX

Complaint narrative:
Documentation of loan payment was located Threating summons requests to non-associate addresses and other untimely Harassment including places of employment. Was told I would be suited that day if I did not give over my Debt Card or Bank Account Number while driving to work. These are in response to a loan collection in made in error : # XXXX [ XXXX XXXX, 2015 ] and Loan # XXXX [ XXXX/XXXX/2015 ]

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
I noticed my XXXX pension pay was short {$200.00}, I looked up my account and noticed AAFES took out {$200.00} for government indebtness. I paid my remaining account balance, {$3500.00}, on XXXX XXXX 2016. Prior to me paying my account off, my account was current. I talked to a customer service agent and she told me, she do n't know why money was garnished out of my account. She informed me that AAFES submitted a wage garnishment on XXXX XXXX 2016 for {$200.00}, but I made an on-line payment on the same day for {$2000.00} that had n't posted. The XXXX XXXX 2016 for {$2000.00} posted the next day. I do n't understand why a garnishment that supposedly took effect on XXXX XXXX 2016 is just now taking effect until today, after my account had been paid off in full. The garnishment should have never been processed any way. The customer service agent informed me that according to the system the {$200.00} garnishment is not in the system and to call back in two weeks to request a refund. It seems to me AAFES is double dipping by garnishing payments out of XXXX accounts, even though they made payments on-line. I need my money, {$200.00}, back immediately because that garnishment should have never been processed in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Army and Air Force Exchange Service
State: NV

Complaint narrative:
I placed a hotel reservation with Government Vacation Rewards for {$1000.00} on XXXX/XXXX/2015 with my Military Star credit card ( transaction reference # XXXX ). When I arrived at the hotel, I was told my reservation was cancelled. I had to purchase a reservation at a different hotel using a different credit card. I have been trying to get the charge credited back to my Military Star card from Government Vacation Rewards since XXXX XXXX, 2015. While fighting with GVR, I have only been able to recoup {$87.00}. I filed a dispute with the Military Star card XXXX XXXX, 2015. I received a letter approximately XXXX XXXX, 2015 stating they were taking the matter out of dispute, and I need to contact Government Vacation Rewards directly. This is completely unacceptable! 

Furthermore, I purchased an item from the AAFES website that never arrived. I was credited back the amount of the purchase, but not any interest. I was told by XXXX XXXX that he would credit the {$8.00} interest on XXXX/XXXX/2015. I have not been able to speak to this person since that time. I need that interest and all associated interest charges on the {$8.00} credited to me as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Tate and Kirlin Assoc
State: RI

Complaint narrative:
I keep getting harrassed by people at : Tate & Kirlin Associates, XXXX. 
XXXX XXXX XXXX, PA XXXXThey call multiple times per week stating this is a personal business matter, now I have recently settled a lot of old debts and they are trying to collect on an account I have paid already. One person asked for my social security number and the next person asks for my birth-date but I am not comfortable giving that info out to a company that has so many complaints filed against them. I just applied for a mortgage and nothing negative came up on my credit report from this company. I would like the to stop harassing me with fowl language and yelling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 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: Gatestone & Co. International Inc.
State: CA

Complaint narrative:
Signed up for XXXX XXXX XXXX service on XXXX/XXXX/15, activated account on XXXX/XXXX/15. Cancelled my service on XXXX/XXXX/15 after receiving XXXX bill with a service I did not agree to. Cancellation was approved by their retention center ( after buyers remorse period ) due to the misrepresentation of the service agreement and assured me no balance will be owed once the device was received by their warehouse. I returned the device on XXXX/XXXX/15 using their provided return label by a third party shipping service Newgisitics via XXXX. I called back to check on the status of the return of the device more then XXXX different times, XXXX XXXX XXXX reps responded that the tracking could not be located to " call back ''. Finally on my XXXX attempt on XXXX/XXXX/15, over a little 30 days from the cancellation date of XXXX/XXXX/15 I was recommended to open a " case ticket '' to track and locate the device. I was assured by the rep at this time, that the account would be suppressed due to this issue and that no collections would be attempted. On XXXX/XXXX/15 I began to receive daily calls by a XXXX number with no message left, I finally decided to call back on XXXX/XXXX/15 and it was GateStone, a third party collection agency hired by XXXX XXXX XXXX XXXX collect a debt. I notified them about the " case '' of the missing device and the Gate stone rep was kind enough to suppress the account till XXXX XXXX XXXX recalls the debt from them which I was told could be done immediately. I then called back XXXX XXXX XXXX on XXXX/XXXX/15 livid at the situation as they assured my account is suppressed till case had been cleared. I was told I would get a call back about the situation. After a few days and no call, I called XXXX XXXX XXXX back on XXXX/XXXX/15. The XXXX XXXX XXXX rep reviewed notes and stated the " case by investigation team '' noted the account on XXXX/XXXX/15 that the phone was located in their warehouse on XXXX/XXXX/15 and that a full credit and refund would be administered in XXXX billing cycles. Yet, they could not recall my account from a third party due to closing and paying out my account to the third party collection agency and now the debt is owed to Gatestone. I conferenced Gatestone and the At XXXX XXXX rep to relay the status on the account that a refund will be placed, account is now at zero but the payment must still be made to them direct from me. YET, after having reported the device was received and in good working condition, they still sent my account to a third party collection agency. I do n't understand why XXXX XXXX XXXX refuses to recall the account from the collection agency rather have me pay them direct for a debt I I never owed!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-23 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: CA

Complaint narrative:
ARA Inc. called claiming to be collecting a debt from 2005. They claimed to have mailed me documentation and were threatening to sue me and report my unpaid credit card debt to damage my credit. I explained the account in question was not mine and I never received and information from them. They continued to transfer me between each other and very aggressively continue to threaten to sue me unless I agreed to pay. When I hung up with them I was able to look them up with the XXXX and learned they had over XXXX complaints filed against them for their tactics. I also looked up California laws which not only state the statue of limitations for collecting debt to be 4 years, it is now over 11 years since the alleged debt, but they must legally mention that they can not force me to pay or report it because of expired statutes of limitations. Not only did they not mention that, but they illegally threatened to sue and report the debt to ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Continental Credit Control
State: CA

Complaint narrative:
Violation HIPPA, PHI and California 's Medical Privacy StatuesIn reference to account # XXXXPlease be advised that under Federal Statutes the Fair Credit Reporting Act, ( 15 U.S.C. 1681 et seq ) and California 's Consumer Credit Statutes, you may be held liable for the following actions ( a ) Duty of furnishers of information to provide accurate information. 
( 1 ) Prohibition. 
( A ) Reporting information with actual knowledge of errors. 

A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 

In addition, the HIPAA and California 's Medical Privacy Statutes are in effect in this situation even though the health care services provided may have been prior to enactment. 

The Privacy Rules prohibits a covered entity from using or disclosing an individual 's protected health information ( " PHI '' ) unless specifically authorized by the individual or otherwise allowed under the Privacy Rules. 

In general, PHI encompasses substantially all " individually identifiable health information '' that is transmitted or maintained in any medium. " Individually identifiable health information '' includes health information that is created or received by a health care provider, health plan, employer, or health care clearinghouse, and that relates to an individual 's physical or mental health or condition, including information related to an individual 's care or the PAYMENT for such care. 

The furnishing of my account information is not in compliance with HIPAA, or California 's Privacy Act, and any subsequent reporting of this account on my credit reports to XXXX, XXXX and XXXX is a clear violation of Public Law 104-191 ( " HIPAA '' ) since there can be no permissible business purpose in divulging protected health information to anyone on an account once there is no longer any payment due.

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 non-monetary relief
Consumer complaint received 2015-04-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
Explanation of complaint against PAYPAL Account : ( XXXXXXXXXXXX ) PAYPAL re-charge of {$380.00} on XX/XX/XXXX to my XXXX XXXX XXXX Credit cardXXXX XXXX XXXX Account Number : ***************** ( mastercard ) I am filing this complaint against PAYPAL because they have recharged my XXXX XXXX XXXX ( XXXX ) credit card account on XX/XX/XXXX for {$380.00}, money that I do not owe to E-bay seller XXXX XXXX ( screen shot of XXXX page ). PAYPAL has not only failed to do a due diligence investigation into the seller 's account transactions, but they are charging me for a product that I had bought and returned, and which in turn the seller resold on E-bay. 

In response to B of A 's letter of XX/XX/XXXX where the back wanted an explanation of charges ( see attachment XXXX ), I faxed the bank the documents they requested where I contested the charge of {$380.00} that XXXX wants me to pay back to PAYPAL ( see attachment XXXX ). I wrote XXXX an explanatory letter about the charge of {$380.00} that I was contesting ( see attachment XXXXa and XXXXb ). In the documents that I originally faxed to XXXX I explained clearly I was disputing the {$380.00} charge because I had returned the item to the seller and PAYPAL account holder XXXX XXXX, which he received on XX/XX/XXXX, XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. ( see attachment XXXX and XXXX ), and which the seller subsequently re-advertised and re-sold on E- bay on XX/XX/XXXX for {$280.00} ( see attachment XXXX, XXXX, XXXX ). The seller is lying about not receiving back the item and PAYPAL has failed in conducting an investigation of their client 's claim. Instead, PAYPAL conveniently rebilled me credit card account with XXXX ( see screenshot of XXXX page ). I am also including all the documents that I originally faxed to XXXX ( Attachment copies A ) I would like PAYPAL to do their job competently and reverse the charge of {$380.00} from my XXXX account and not harass me with spurious claims from disreputable E-bay sellers like XXXX XXXX. 
Thank you, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: Mortgage Research Center, LLC
State: LA

Complaint narrative:
We contacted Veterans United Home Loans for a pre approval loan. XXXX XXXX XXXX did not set the expectations of this transaction from the beginning. He approved our loan and then waited nearly 30 days to inform us about down payment and student loans which appeared, I feel, out of the blue once we did not use the realtor because she does not work with " for sale by owner ''. He simply responded with a " My bad '', and did not offer any counseling services, or discussed if we qualify for any programs. XXXX XXXX used the excuse of the XXXX looked like an XXXX which is just a rank, he had the proper financial documents from the beginning. We had already scheduled and paid {$500.00} for an inspection and mailed our {$1000.00} earnest money. we were under the impression everything was going smooth until loan officer XXXX abruptly told us unless we had XXXX to pay off my student loans he could n't help us and I 'm offened that he used the phrase my bad, feel the way he brought up the XXXX down payment was used as a way to quickly get rid of us ... this is a home purchase that I thought was going to go through, now I have no place to move to and need to get my children registered for school. My husband has served this great country XXXX. Did I mention we had already scheduled transportation of our household goods to the city where our home was supposed to be. Now I 'm staying with family. There is no way this this serviceman and his family should be without a place to live. Please look into this matter. We were treated unfairly! 

XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
Paypal seized XXXX from my paypal account that was sent by XXXX XXXX. Originaly an instant transfer of XXXX was made leaving a balance of XXXX. 
When a dispute was opened up on an unrelated matter Paypal seized the XXXX without merit and refused to return the funds to the original owner. 
I want the XXXX returned to the original owner, XXXX XXXX, so he doesnt need to file a chargeback with his bank. 
You cant seize people 's money without due process and without cause

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info — 
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
Paypal account existing since 1998 and responding since then to my XXXX email ( per the Paypal user-naming requirements ) refuses to set a default settlement account per user account settings. Paypal conceals a policy of defaulting to its own preference of valid settlement instruments. 
Specifically, Paypal accepted a brokerage account as a settlement instrument, and also accepts settlement through XXXX XXXX ( debit account ), but refuses to allow user preference of XXXX XXXX instead of the brokerage. Since the brokerage has been dormant for over one year, Paypal 's seizure ( or concealment of joint ownership ) of my accounts and destruction of my XXXX XXXX default settings preference has caused over {$100.00} damage to my XXXX brokerage and threatens to continue this abuse of my finances. 
Paypal seized both my entire sales property on Ebay ( listed " as is, '' and " no returns '' ) and also related sales proceeds, which I agreed to pursuant to account termination. Paypal also permitted Ebay to assess me additional costs of the return transaction, without my knowledge and to the injury of my account defaults and my personal finances. 
Please advise me as to whether I need to terminate my relationship with Paypal, as Paypal has already informed that it " defaults to settlement with more prestigious '' instruments/sources and keeps secret from Paypal applicants ( as in my case ) its discrimination against debit resources.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Evergreen Financial Services Inc.
State: WA

Complaint narrative:
On XX/XX/2015 Evergreen Financial Services violated our privacy by disclosing a debt owed to an unauthorized 3rd party. The collector placed a call to a number the collector found using skip trace. The individual who owns this phone, has pending legal/criminal issues with our family. The violation of our privacy to this individual has created much turmoil for our family now. Furthermore, at XXXX on XX/XX/2015 when I called Evergreen Financial, I spoke with XXXX , and when I asked what the amount we supposedly owed and who we supposedly owed the debt to she refused to give me any information. So, Evergreen Financial first violates our privacy, and then refuses to give me the debtor in the situation any information on the debt. But, XXXX did have the audacity to ask for payment in full- but not give me any information as to the amount or the creditor. They have made no previous attempts to contact us- we had no idea we even supposedly owed the debt. The collector did not verify she was speaking to an authorized party before disclosing that she was attempting to collect a debt. Not only has our privacy been violated, but numerous Federal and State Laws have been violated by Evergreen Financial. How can they attempt to collect a debt when they refuse to give any information to an authorized party, but give private information to a non-authorized party. thank you for your assistance in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hello My Paypal Account was suspended in XXXX 2016, and my money was on hold for 180 days. 
After 180 days my money got cleared on XXXX XXXX 2016 the amount was of XXXX . Paypal does'nt allow to withdraw money in XXXX, it only allows to add a XXXX account to XXXX Paypal account . How could have someone got a XXXX account living in XXXX? if they ca n't give their services completely to XXXX they should stop Paypal services there. Now as my money got cleared i need to take it as i have to pay my son 's fee, i waited for 180 days to got it clear, but as my Paypal account is still limited i can not transfer it to any other Paypal, when I contacted paypal through call about this issue their customer representative told me to mail them requesting money transfer to a Paypal Id. So 14 days back on Monday XXXX XXXX 2016 i mailed them giving them the id to which the money should be transferred first i got a reply that this Id does n't exist, i again send the id and on Wednesday i got an email that your inquiry has been escalated and you will be contacted soon, till today nobody has contacted me, i also mailed them first they did n't reply than their complaint department said to do n't use abusive language and rephrase the email so i again contacted them, but still till today XXXX I have n't received a reply from their side, neither do i have got my money in the given Paypal id i.e : XXXXXXXXXXXX ( kindly note that all letters are small ) I 'm in too much pain since i do n't have money When i call them they say to contact them by mail which is also wasting my credit! and when i contact them by mail decently they do n't reply

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
A company called XXXX called me at XXXX on XXXX XXXX, 2016. They do not leave a message, call repeatedly and have finally called late at night last night. I do have some past due bills but have been working with the companies to repay, but do not know who or what company this call is for. It has become ridiculous trying to keep track of who is calling for whom and why. 

Please let me know what I can do to stop this nonsense! 

Thanks, XXXX XXXX

Company response to consumer: Closed with non-monetary relief