vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-05 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I transferred a balance to Chase Slate in the amount of {$1000.00} and chose to enroll in autopay from there website. After receiving confirmation that the auto pay was accepted i then found out that, due to data entry on the credit card company 's, part they did not accept my bank account number. They called me and told me there was a problem with the auto pay and my bank account was not accepted. They then told me to go back online and reconfirm that the data was correct. After i confirmed that my information was correct and paid the minimum amount due, the next month i received a statement telling me that only the minimum amount was due in the amount of {$30.00}. I then, at the same month and time frame received a recorded phone call from the company telling me i am delinquent on my account. When i called to inquire about the situation they told me again that my bank account was not accepted, that i was over the limit and also three months behind on my payments. 

I once again whet online to only confirm once again that my information was correct. I aslo confirmed that they discontinued my card and reported me for late payment to the three major credit report agencies. 

Also, after i paid the late amount and total amount due that was behind, the next day i was informed by the auto phone with the company that i was still late. When i asked and inquired if they reported me for no fault of my own, the response was they were having problems with there computer system. 

I would like to report three accounts of fraud : 1. Sending a false or inaccurate monthly statement that stated only the minimum amount was due when they then informed me that i was three months in the rears. 
2. Reporting me to the credit report agencies for late payment when they admitted they were having problems with there computer system and the error was clearly on their part. 
3. Misuse of personnel information : my bank account number and intentional data entry error and/or gross negligence, in attempt to collect more money by falsifying the amount do with the intention to collect more money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
Paypal credit is asking for a high minimum payment in the amount of XXXX, the account is past due and over limit currently, which I understand. However, they are asking for such a high amount as it exceeds my weekly paycheck. I requested the amount lowered, however, was denied saying the account is again over limit and past due. The account is past due because I have fallen behind on payments with the account as well as other credit accounts I currently hold. I take care of my mother and have been paying for her medication ( s )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My debt was paid by XXXX banks/XXXX and XXXX. PayPal continues to lock my account and it is restricted in order to collect this debt again. I was told by XXXX bank that they communicated with PayPal regarding this transaction. PayPal refuses to acknowledge any payments or communication from XXXX bank. Now both are refusing to give me any paper work to backup their accusations. I have disputed information from PayPal that is incorrect into records. PayPal refuses to correct anything other than change my old phone to my new number. This item was paid to PayPal twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: ID

Complaint narrative:
I purchased a ring through ebay and used paypal to send the money. I received the ring and saw right away it was not the same ring that was described. I contacted the seller who denied the allegations then said I could send it back if I paid for shipping. I refused to pay for shipping since I got lied to then the seller rescinded the offer to return the ring and basically told me to go take a hike. I escalated it through pay pal and then 1 hour later paypal without even contacting me or doing any investigation nor allowing me to upload documentation closed the case. I tried dealing with them and I just got the same impossible auto bot reply telling me to upload my documentation. Despite there being no way to do that and no way to contact a real person. I googled my issue online and found that this is a huge issue with paypal closing cases and doing no investigation and telling people to uploads documents to a non existent place online. Then basically doing nothing and giving fraudsters online free money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I am trying to close on my parents estate. I paid off the mortgage when my step father passed away, while my mother was still alive. Now the bank PNC is telling me I have to pay off a line of credit that was open back in XXXX. This loan was through National City Bank in Ohio. The debt was wrote off as bad credit by this bank in XXXX. PNC purchased this bank in XXXX and now is trying to get fund already wrote off " as bad debt ''. I have no documentation that this money was ever spent by my parents, nor do I have anything from any of the banks that they ever tried to come after the funds. The bank also can not supply me with any documents stating they tried to get these funds and or any statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MS

Complaint narrative:
This is a follow up dispute in response to the companies response to complaint # XXXX The first thing I want to bring up is that in my discussions with SPS over the past 3 years, I have been told the same thing that " we are in the process of rescinding the sale/foreclosure '' or that the foreclosure '' NEVER was completed ''. So that is nothing new. Secondly, their response does not address the damage to the property that occurred under their control, and as a result of said damage, combined with the market, the value is much less than the XXXX deal offered in their reply. The property was sold at foreclosure for {$110000.00}. They also fail to acknowledge the fact that, until they restore the property to my name I CAN NOT/WILL NOT sign any legal documents relating to the property

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
A PayPal credit account was opened in my name ( tied to my existing PayPal account ) without my knowledge. I have not used the account and have been charged an annual fee with now late fees added. Attempts to close the account have been met exclusively with responses attempting to collect said fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-20 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Paypal restricted my accts after i provided initial documents. Their now infringing on my privacy I 'm a XXXX and I use Paypal for my XXXX. Recently, XXXX decided to send payment via Paypal. Paypal restricted my account and I asked for me to provide documents to support this transaction. They requested, " Invoices, contracts, description of services, & tracking numbers " I provided all documents, accept a tracking number. I called and provide the representative in the merchant department an explanation with regards to not having a tracking number. I 'm a XXXX, I XXXX, therefore there is NO product to be delivered. The agent complied with me, I was told that a note would be made on my account and to expect a resolution within 24-48 hours. 
The documents were sent in on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX far past the time as stated on Paypal 's resolve time line, I was sent a email. In this email response I was told : " We have reviewed your account and unfortunately can not lift the limitation at this time. " Paypal now wants me to provide the following : * six months bank statements * contract copy of the Asset Purchase Agreement dated XXXX/XXXX/XXXX In the initial contract that I provide Paypal. It 's a contract between myself XXXX XXXX & XXXX. It states that " buyer shall pay to XXXX a XXXX % fee based upon all funds received from banks or other sources for the financing of the transaction ''. 

I do not get paid until my job is completed and the client is satisfied. 

Paypal is infringing on my privacy, their asking me " For copies of my contract between myself and my client, " Asking for Purchase Agreements between myself, the financing bank and the client that exist OUTSIDE of this disputed transaction " " asking for my additional bank accounts that have no connection with my paypal account. 

My clients have been forced to pay higher rates to process payments to me. 


This is an infringement on my privacy. These are predatory practices and they should be put to an end immediately. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Security Credit Services, LLC
State: CA

Complaint narrative:
Security Credit Services/ Acct # XXXX is reporting on my credit profile with a balance of {$80000.00}. This account was transferred from XXXX XXXX XXXX. This account should not be reporting on my personal credit profile. This is ridiculous! I have demanded to see proof as to why this would report on my credit and have yet to receive documentation. Research and correct this information immediately or delete this account off my credit profile!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 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: I.Q. DATA INTERNATIONAL, INC.
State: CO

Complaint narrative:
In XX/XX/XXXX me and my family received news that the home we were living is going to be sold and were forced to move out. 

I then applied for a townhouse to rent and after conducting a credit check the property management company indicated to me that I needed to reach out to " XXXX XXXX '', aka " Rent Collect Debt Global '' and get a payment arrangement letter before i was approved to move in for a past due bill. 

I then proceeded to call this Collection Agency who in turn agreed to work out a payment arrangement but then refused to provide me with a letter outlining the agreement because they new i was trying to get a home for my family of XXXX that included a XXXX child. I asked why, and XXXX informed me because it 's not apart of their policy? I then in turn asked what a settlement option would be, and they give me a figure of about XXXX and agreed to email it to me which they did with a due date for that day? I do n't understand why they 're allowed to email a Settlement letter but not a PPA letter? Nevertheless i forwarded this to the property management company per their request and informed them that the collection agency refused to provide me a PPA letter but did agree to a settlement letter? He informed me that this was very odd but would look at the settlement letter. 

The next day i followed up with the property management company and he informed me i was denied because they called this collection agency and spoke with XXXX who informed them i was n't making any payments, and the account was still outstanding? This is a clear third party violation that has had a devastating effect on my life. 

My family and I are essentially in the streets living house to house with friends and family. I 've contacted our Colorado XXXX XXXX and they 're looking into helping me and my family but nothing has come about yet. My XXXX kids also just started school and the XXXX stress, coupled with the financial burden this has put on our family is unfathomable. We have to sleep at XXXX separates houses every week which has put a burden on people who do n't deserve it. 

I get that i owe a Debt, but conveying personal details, and denying me an opportunity to receive a written agreement about my debt is very unprofessional and wrong. The only reason why they did this is because they knew i needed it to get a place to live. They 're holding it over my head, and using it as leverage to exploit the fact that i cant get a place or move on in life without it. I feel I 've been treated un fairly, i mean in all honesty i think it 's far fetched that they 've never given anyone a payment letter before

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
Calvary Portfolio Services is illegally reporting a collection account to all of the major credit bureaus. The account was originally with XXXX XXXX XXXX. We have already paid this account off many years ago. We told Calvary Portfolio this but they refused to verify this or to verify the validity of our debt when the first contacted us. This is in violation of the Fair Debt Collection Practices Act. Also the account is over 7 years old since the breach of the contract. It should not be reported due to the Fair Credit Reporting Act. Calvary is violating FCRA Section 605 ( c ) by re-aging the account to leverage their collection activities. It was back in 2007 that we had problems with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: Viking Client Services
State: NY

Complaint narrative:
I received a letter from a Company named Viking ( see attachment # XXXX ) claiming I owe them {$400.00} for damages I would have incurred when renting a car with XXXX in XX/XX/2016. As it can be seen in the receipt from XXXX, I returned the car with no damages noted XXXX see attachment # XXXX ). Between XX/XX/XXXX, date of the return, and the letter from XXXX, XX/XX/XXXX there was no correspondence from XXXX mentioning damages or any other problem with my rental. Besides, the letter does not provide any detail on the damages caused, nor how the determination was made I was responsible, despite the fact XXXX did not notice any problem when I returned the car.

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 2016-03-22 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: CNG FINANCIAL CORPORATION
State: LA

Complaint narrative:
Submitted paperwork stating not to contact me more than twice a week ( violated ), not to contact any family, friends or references ( violated ), not to contact me at work or contact my work ( so far not violated ). When she contacted my sister, I called and she tried to lie and state that there was no cease and desist. I told her to go reread that letter. She wanted to know if I would be in that day, last Friday, and I said no my husband has not worked but a couple of days in the last couple of weeks but I would be pay something in two weeks. She hung up on me before all information was given. However, I called back and she refused to answer the phone but I left a message stating this information on a payment in two weeks and letting her know she had rudely hung up on me. She called this morning leaving a message again wanting me to pay immediately and contact her. First, I am not going to talk to this rude lady again and I already told her two weeks from last Friday. I 'm tired of her breaking the law. She calls multiple times every week. Sent paperwork by Certified mail tracking number XXXX received XXXX/XXXX/16.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
Online Information Services placed a collections on my XXXX, XXXX and XXXX credit report. They say that I owe someone for a medical bill. I did have a XXXX that left me XXXX but and I paid all of my co pays and deductibles. I was n't aware that I owed any medical bills so I called them and aske that they send me the information to verify the account. The representative told me that they are not a billing agency and they are not required to send me anything. I was ill and was n't aware that they had reported this on my credit. I only recently got the free credit report and found this account on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
I am not even 30 days late on my payment and Tower Loan called and left me a message was at work so I could n't get the call so Tower Loan XXXX XXXX Ms called my reference and told them that they were calling from Tower Loan and for me to return their call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax Information Services , LLC XXXX. XXXX XXXX XXXX, GA XXXX ATTN : Legal Department File No. XXXX I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is of a derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database XXXX search. Please also notify the source, who reported the item within five ( 5 ) days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. 
I will expect you to notify me the results of your investigation within five ( 5 ) business days from the completion of your investigation. In addition, I will expect you to complete your investigation within thirty ( 30 ) days from the date you receive this dispute or the item being disputed will be unverifiable. 
The items that appear on my credit report as : 1. ACCT. NAME : XXXX XXXX XXXX ( XXXX ) ACCT. BAL : {$0.00} This ACCT. has been transferred/sold and a duplicate listed multiple times please delete inaccurate. 
2. ACCT. NAME : XXXX XXXX XXXX ( XXXX ) ACCT. BAL : {$120000.00}. This ACCT. has been transferred/sold and a duplicate listed multiple times please delete inaccurate. 
3. ACCT. NAME : XXXX XXXX XXXX ( XXXX ) ACCT. BAL : {$820.00}. This ACCT. has been transferred/sold and a duplicate listed multiple times please delete inaccurate. 
4. ACCT. NAME : XXXX XXXX XXXX ( XXXX ) ACCT. BAL : {$81000.00}. This ACCT. has been transferred/sold and a duplicate listed multiple times please delete inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 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: Eastern Account Systems of Connecticut, Inc.
State: CA

Complaint narrative:
The creditor refused to respond to my request of them to validate the debt pursuant to the FDCPA 15 USC 1692g Sec 809 XXXX b ). 

The request I made was on XXXX XXXX, 2015, and to date they have refused to respond. Even worse, they placed this account for collection on my XXXX Credit report. These bully tactics on the part of this creditor are a clear violation of the FCRA & the FDCPA, and serve to only defame my character & ruin my otherwise good name. 

The request I sent was sent " Registered, Return Receipt '' and you 'll notice that I have proof that the creditor not only received my letter, but they read it & still refused to respond. 

Please help. I have no where else to turn for 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 2016-01-26 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
XXXX offered a insurance plan to insure your debt if you became to sick/lost of job or unable to pay. I was charged a monthly fee for several years. when I became ill and was unable to pay my debt, I applied for the coverage ( 6 times ) they kept saying that they lost the paperwork. A class action law suite was enacted by other members having the same problem. it turns out that they never intended to insure the debts and pocked the money between themselves. " XXXX XXXX & XXXX XXXX v. XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX class action. ( letter enclosed ) You will see that they settled and a cash settlement was awarded to each of us. this debt should have been cleared but it was sold to a third party who calls and sent letters o collection, also they reported this debt to all three credit reporting agencies, causing me to have a lower credit score and denied credit. their name is " XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX phone # XXXX. I have spoken to them on several times and they stated that their boss would not let them look into this matter. what legal action can take to resolve this matter

Company response to consumer: Closed with non-monetary relief