vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: CA

Complaint narrative:
I requested and received a mortgage payoff statement from Merrill Lynch. The instructions on the payoff letter noted payment could be made by cashier 's check or wire transfer from a bank. My bank ( Bank of America, which owns Merrill Lynch ) allows me to make wire transfers directly, using Bank of America 's website -- I am attaching the online wire transfer form I used, for reference. I transferred the full loan repayment amount to the account indicated in the payoff letter ( a XXXX XXXX account ) before the payment deadline. Merrill Lynch/XXXX XXXX held those funds for 13 days and then reversed the transfer, returning the funds to my bank account. No reason was given as to why the monies were returned. In the interval between their receipt of the loan payoff funds and their returning those funds, Merrill Lynch charged me an additional month 's interest. 
I spoke with a representative of Merrill Lynch 's mortgage division and also with her supervisor ( XXXX XXXX, who is based in the Merrill Lynch 's home branch in New Jersey ) and they could n't explain why my loan payment was reversed except to say that the " wire transfer '' mechanism indicated in the payoff letter was different from the " wire transfer '' mechanism ( so-called by Bank of America ) that I used. Merrill Lynch is part of the Bank of America Corporation. From a consumer perspective, I have no way of distinguishing why XXXX divisions of my own bank would define " wire transfer '' differently -- nor can I understand why I would be expected to distinguish between their evidently disparate uses of this term. Ultimately, I paid off my loan according to the instructions in the payoff letter and now I 'm being charged an additional 6 weeks of interest for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ZIONS BANCORPORATION
State: AZ

Complaint narrative:
I currently have a loan with Zions Bancorporation which is unsecured for XXXX. I called the customer service department for specific information about paying off this loan and no one was able to answer my questions or give me an appropriate payoff quote. I then talked to several persons in the collections department who directed me to XXXX XXXX. In talking with him, I tried to explain my situation that something had come up and that I was going to have trouble paying off this loan as originally contracted. Even though this loan is NOT in default and I have never missed a payment, XXXX XXXX started to harrass me and demanded that I pay back the loan immediately and that I had no legal rights to file for bankruptcy or talk to an attorney. He also led me to believe that I had no right as a customer of Zions Bancorportation to ask questions about the loan that I had. XXXX XXXX clearly violated federal statues by harassing me about collecting on a loan that is NOT in default and by pretending to quote or comment on laws when he does not have a XXXX degree and stating that I have no legal rights to protect myself against clearly illegal actions on XXXX XXXX part. My attorney who specializes in consumer credit has been made aware of Zions Bancorporation and XXXX XXXX intimidation tactics.

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 2015-10-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Keynote Consulting, Inc.
State: TX

Complaint narrative:
I signed a contract with XXXX in XXXX 2014 and every month since then I have been paying my monthly fee on time every single month according to the contract. Despite the fact that I have been paying my monthly fee to XXXX on time every single month the company decided to turn my account and payments over to a collection agency in an attempt to collect all the money at one time. I do believe that this was in direct retaliation because I requested to back out of the contract because I was not using their service. They did not allow me to back out and then they deliberately mismanaged my account showing that payments were missed which turned out to be by their own account an error on their part. Yet despite this fact my account was turned over to a collection agency although we both have proof that my payments were all made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: NH

Complaint narrative:
These companies NCO financial, NCO group and XXXX call my house continuously all day long. They never leave messages. I have to shut my ringer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I have an eBay gift card with a significant balance still on it. Whenever you use an eBay gift card for the first time, it is tied to a PayPal account and can not be used with another account. However, a couple weeks ago PayPal closed my account and will not give me a reason for closing the account. They will not let me reopen the account even though I have done nothing wrong or illegal. This also means I can not use the remaining balance of my gift card. I have attempted to contact both eBay and PayPal, but both give me the runaround on whose fault it is. An eBay supervisor did point out though that PayPal should be the one taking care of this issue since the cards are linked and processed by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
Here are my concern, I am upset and annoy that Credit Acceptance would not understand my problem. I explain to them that I am victim of flood that hit state of South Carolina in XXXX XXXX. Because of the flood, it is the reason I am have trouble making payment of my auto loan. This flood damages my home and also put me out of work for few months. Now I had this auto loan since XXXX XXXX and always made my monthly payments on time and more than what is asked to be paid. My monthly payment is {$280.00}, but I always made {$300.00} monthly. On Friday night I made a payment of what is owe leaving me a balance of {$60.00}, so when I got home later that night I find that my vehicle were missing out my backyard. After calling the police to file missing report my vehicle is gone, the officer told me to call the financial company first because they may have it. If Credit Acceptance told you that they done then call back and we file missing vehicle report. I call Credit Acceptance ask where my vehicle is, nobody could not answer my question until next day. Credit Acceptance wanted me to make payment arrangement for the balance amount of {$60.00}. I am confused is what I explain to them because I do n't understand if my vehicle has shut off system on it, then why come and get the vehicle. I got no answer ; instead they wanted me to make arrange for the balance amount of {$60.00}. When I questions them about state of South Carolina law on repossess of vehicle, here is what Credit Acceptance told me " we are second chance auto loan provide and we do n't have to give rights to notice letter. '' I call the dealer to explain my situation and the dealer were very shocker because he was told if you communicate with Credit Acceptance they would never come get the vehicle. 
So I had to pay a fee of {$250.00} to get my vehicle back, and {$50.00} fee to towing company that clean out vehicle. Not to mention the cost for travel to get my vehicle from XXXX, SC at auction. The Credit Acceptance told me that I still had fee to pay on top of my regular monthly payment. That fee came too totally of {$850.00}. Credit Acceptance break down into monthly fee attach with my monthly payments.

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 2016-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Professional Debt Mediation, Inc.
State: NY

Complaint narrative:
Professional Debt Management / XXXX XXXX XXXX is reporting a debt to the XXXX credit bureaus that is not owed. When XXXX was requested, they sent me a copy of the original lease agreement with XXXX XXXX with no proof/documentation of any outstanding money owed. The lot lease with home purchase sent as XXXX pre-dates bankruptcy discharged XXXX, in which XXXX XXXX and all affiliates of the XXXX are listed as creditors. Notice of delinquent rent in XX/XX/XXXX does not exceed {$420.00} - and was " pay or vacate '' ( property was vacated ) with mobile home returned to possession of the park. The park filed a delinquent tenant case that was dismissed in XXXX Judicial Circuit Court, XXXX, FL, on XXXX. The amount Professional Debt Mgmt. is reporting and attempting to collect is {$3400.00}. Despite providing them with bankruptcy case information, collection and release from claim letters from XXXX XXXX, and copy of court documents, they continue to refresh ( and change first report date ) on my credit reports and claim the debt as valid. Creditor is not entitled to collect on any portion of the home purchase balance discharged in the bankruptcy. Lot rent owed ended with the surrender of possession of the lot and collateral on XX/XX/XXXX, per the creditors terms in the letter I received - copy provided to the debt collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: American Financial Resources, Inc.
State: TX

Complaint narrative:
Refinancing. On XXXX American Financial Resources provided a loan estimate which indicated approximately {$2000.00} in closing. We proceeded with them. By XXXX written and verbal communication with the lender indicated closing costs of approximately {$1300.00}. 

Three days before close on XXXX new closing documents were provided indicating closing costs of approximately {$7000.00}. 

Lender has been unable to explain the {$5700.00} discrepancy introduced between XXXX and XXXX. Lender attempted to coerce me into signing when I expressed I am uncomfortable with the changes made stating :

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Eagle Accounts Group, Inc.
State: IN

Complaint narrative:
I have asked Eagle Accounts Group to validate a collection they are reporting on my credit reports on XXXX/XXXX/15, XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
This was a medical expense for an expensive procedure that was eventually covered in full by my insurance. At first my insurance only covered the expense as out of network, but I filed an appeal and eventually got my insurance to cover the entire expense as in-network. The appeal process took a long time, but all the while I called XXXX the doctors office XXXX and the debt collector ( Allied Collection Services ) several times to inform them they will likely be paid by the insurance company, not me. I provided them with documents proving my claim was still under review by my insurance. They would n't even take them from me. 

The debt collectors response was to threaten me with over {$700.00} in legal fees and interest. They also threatened to report me to the credit agencies. In order to " avoid all of this '' they forced me to sign a Promissory Note for the debt that was still in dispute. Before I signed I added notes to the side of the Promissory Note saying they will not do any of the above if and when they are paid by insurance. ( see attached ). They obviously ignored that, as even after my insurance has paid in full they reported " my debt '' to the credit agencies as unpaid. 

I have forgotten bills before, and I have had the unfortunate experience of dealing with debt collectors before. However, I have to say this debt collector was absolutely horrible to work with. Their tactics are horrible, they care nothing of the circumstances of the debt in question, and do not hesitate to threaten all kinds of actions against you. Also, when you call or visit them they transfer you from person to person each without enough experience/authority to do anything other than repeat the above threats.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-08 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I was making a purchase online where the merchant only accepted Paypal for payment. After logging into my account I verified the amount and put in my new shipping address. The purchase was completed through my external ( XXXX XXXX XXXX credit card, so I thought. Today I received a bill from Paypal letting me know that I had a bill due to them from my new credit line. This was odd as I never signed up for a Paypal credit card. Apparently Paypal has set up their system to auto select their " pre-approved '' credit cards when processing payments through their system. In essence, they have taken the information I have provided over the years and ran my credit without my permission, opened up a credit card in my name to their institution without my permission, and processed payment on said credit card. Understanding the rules of credit, this has negatively affected my overall credit score, even if minimally, without my consent. As I am in the process of purchasing a new house this change may affect the interest rate on a 30 years loan ( even if minimally ). I believe this to be an extremely unethical business practice and the CFPB should be made aware of these practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Professional Debt Mediation, Inc.
State: VA

Complaint narrative:
Someone from Professional Debt Mediation ( PDM : XXXX ) has called me twice now, wanting to verify the last XXXX digits of my SSN.They had the correct numbers, but would n't tell me what the " concerning matter '' was they were calling about till I verified it, which I obviously refused to do. I do n't have any standing debt except with my bank and student loans, so there 's no reason for them to be calling me. They also contacted my father trying to verify my information. I feel threatened and concerned they have my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19 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:
Collection Agency refused to accept certified Validation of Debt letter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Keith D. Weiner & Associates Co., L.P.A.
State: OH

Complaint narrative:
I had a private student loan go to collections after attending college at XXXX University in Ohio. After school I was not able to keep up with the payments after finding an entry level job. Once in collections I made an agreement with the help of an attorney to settle the debt. I made all applicable payments as indicated by the attached documentation, however, the debt collection company then forwarded my file to another debt collection company who I now have to battle with to show that the debt was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Accounts Account Name Account Type Open Date Status Balance CREDITACPT Auto XX/XX/XXXX Closed {$300.00} Account Details Last Reported XX/XX/XXXX Creditor Name CREDITACPT Account Type Automobile Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 42 Months Monthly Payment {$250.00} Responsibility Individual Balance {$300.00} Highest Balance {$7100.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due {$300.00} Times 30/60/90 Days Late 0/0/0 Remarks Payment after charge off/collection Returned voluntarily Payment History Latest Status : Collection/Charge-Off No payment history has been reported by this creditor. 


Creditor Contact Details CREDIT ACCEPTANCE CORPOR XXXX XXXX XXXX, MI XXXX Above I have sent my credit report on the issue regarding to my voluntary repossession in XX/XX/XXXX. Now in are present date my checks are still being garish ; as u seen above it stated that my last payment was on XX/XX/XXXX which is not current cause my employer pays me weekly. Also my balance say {$300.00} and previous my check on XX/XX/XXXX was garish. If my paid weekly and last payment was XX/XX/XXXX I 'd over paid and still getting my checks garish.

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 2016-11-07 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
I made XXXX one-time purchases for digital products through XXXX app using Paypal. My payment method at Paypal for " store purchases '' was set to XXXX, but " subscriptions '' was set to my checking account. What happened is that my one-time purchases through the XXXX were charged as subscriptions, resulting in XXXX NSF fees on my checking account. Paypal then attempted a second round of ACH transfers for the same XXXX charges, resulting in another XXXX NSF fees for a total of XXXX NSF fees. 

Paypal provided a " bank letter '' stating that the ACH drafts were unintentional, but the bank ( XXXX ) would only remove XXXX of XXXX fees. Paypal would not accept responsibility for processing the one-time store purchases as " subscriptions '' and would not refund the remaining XXXX fees, but they gave me credit for XXXX as a courtesy. 

The issue here is that XXXX is billing one-time store purchases as " subscriptions or automatic payments, '' and Paypal is aware of the issue but does nothing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-19 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal charged me late fees for missing a payment on their own card/Pay Later Plan. I never signed up for any PayPal plan/card and when I told the service representative, she said she could n't do anything about the late fees. All my life I pay my credit card balances in full at the end of the month. The cards are attached to my checking account and are paid in full automatically, leaving no balance. PayPay enrolled me in their Pay Later plan without my knowledge and then charged me when I did n't make a payment. I am very upset and this illegal behavior by PayPal should be put to a stop. 
I hope you can do something about this and get the " late payment fee '' returned to me. 
Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, CA XXXX : ( XXXX ) XXXX : XXXXXXXXXXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Google Compare Credit Cards Inc.
State: GA

Complaint narrative:
I opened an account with Google wallet which is pretty much a prepaid type of account. My stepfather deposited money for my birthday. I used this money for a hotel on vacation. The hotel over charged a few times and eventually submitted a refund. The day the efund cleared i got an email stating that my account had been suspended for violating terms. Google wallet refused to tell me which terms and stated they had the right to close account without reason. I had a positive balance of {$190.00} on the account and they would not let me access it, stating that it would be refunded to the account linked to card within 30days of account being suspended. We are now on a little over 60 days past account being closed and not only have i not recieved the refund but the company refuses to respond to my emails and will not give any sort of update. I put a complaint in with XXXX. The response Google wallet is giving is that same : that i will be refunded in 30 days even though we are past that. I have copies and copies of emails and my XXXX complaint that states in writing from them that it will take no longer than 30 days. At this point they are violating my rights and causing me a get deal of stress and time to resolve this. They are violating their own terms and i should not have had to wait this long for my refund.

Company response to consumer: Closed with explanation