vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-27 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I called PNC bank and told them I was returning an item that was not as advertised but the company refuses to pay for return shipping. PNC Rep told me to return the item, when its posted to the credit card, call back and we can dispute it. I paid to ship the items back and called PNC Bank to dispute the shipping charges and was told that it can not be done. I then was transferred to a supervisor and was told the same thing. Now im out {$35.00} because of false information. I would of kept the item and tried to sell it on my own. I asked the supervisor if there 's anything he could do since Ive been a customer for over XXXX years and was told " no ''. This is very upsetting since I dont have money to spare.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-06 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
On XXXX/XXXX/2015 a transaction conducted at the XXXX in XXXX was swipe for XXXX services as $ XXXXXXXXUSD instead of XXXX. The Resort as admitted to the transaction error and contact my bank to rectify. I filed a dispute with my bank on XXXX/XXXX/2015 dispute number XXXX. The only thing the case worker at the bank did was get a copy of the incorrect ( swiped ) transaction and has refused to credit back the difference. This is gross incompetency and/or the bank does not have the correct qualified employees working to resolve consumer complaints. I explained the transaction in question was an error and so did the Hotel, yet no follow-up nor verification beyond getting a copy of transaction was done by my bank. I have copies of the final hotel bill showing billing was XXXX, emails from Hotel explaining the error, and names of individuals at resort vainly trying to resolve this with my bank. My bank has not responded to any letters from the resort 's accountants and bank to have this resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-30 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Unauthorized charges were charged on my credit card. I have been contacting them every month and told them I did not make these charges that they were fraudulent. They send me letters that they are investigating and keep charging me interest and late fees. Credit reporting agencies have lowered my credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Gatestone & Co. International Inc.
State: CA

Complaint narrative:
I received a call from " Gate Stone '' stating I owed a debt for an XXXX account. I determined that this was identity theft per XXXX directly and confirmed the debt was fraudulent. I requested on XXXX separate occasions a Verification of Debt and they company " Gate Stone '' has refused to provide that. This is impacting my credit score. I have filed a police report and am currently waiting on a response from XXXX Office of the President. I have also requested a Cease & Desist on XXXX separate occasions but continue to receive calls from " Gate Stone ''.

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 2015-03-21 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
I received a letter, collection letter from Central Portfolio Control, they stated that because of interest, late charges and other charges that may vary from day to day, the amount due on the day you pay may be greater. In addition, this is the first time I have received a collection notice on this amount and have not received any information on when the service was/if it was provided by the Hospital they are collecting for. They want me to send in a payment and then discuss options? It does n't even give the date of service..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Friendly Finance Corporation
State: GA

Complaint narrative:
payment are not bein applied as should. Threaten phone calls.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 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: Trident Asset Management, L.L.C.
State: OH

Complaint narrative:
I am supposed to be made aware of any adverse information before being a post on my credit report. I never received information about these accounts. I never received copies of the charges/bills prior reporting the information to the credit bureau. You are collecting accounts that were not authorized. I would like to know how you guys obtained my social security information. This is a very grave violation of my rights. 
My rights as a consumer are being violated causing me to get a low credit score, affecting my chances for financial opportunities. No account number or history was attached or given ; they have my social security information, the source of these accounts is fraudulent, they tried to take money from my bank account for a membership I did n't authorize My credit score went from average to very poor. 
These accounts were reported to my credit report on XXXX, XXXX, out of no where. 


1 ) Account Number : Not provided TRIDENT ASSET MANAGEMENT XXXX XXXX XXXX XXXX XXXX, GA XXXX Original Creditor : XXXX XXXX Open Date : XXXX XXXX, XXXX Balance : {$56.00} 2 ) Account Number : Not provided TRIDENT ASSET MANAGEMENT XXXX XXXX XXXX XXXX XXXX, GA XXXX Original Creditor : XXXX XXXX Open Date : XX/XX/XXXX Balance : {$40.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-16 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: NJ

Complaint narrative:
I leased a 2015 Ford Fusion in XX/XX/2015. Thus far, my vehicle has been in the shop collectively over 40 days. Most recently, the car was in the repair shop for 24 days. The Ford dealership had to rebuild my transmission twice, and was unable to fix an electrical problem inside of the car. I leased this vehicle because this is my first new car and had no car credit and student loans-making it difficult to purchase a car, which was my initial intention. The finance department advised me to lease the car and buy it out at the end, because they knew my plan was to move out XXXX, where I lived before, and had the goal of purchasing my own vehicle. The lease was only to be able to have a financing option. The dealership was also aware of my work, which is as XXXX, and that I drove a great deal, transporting other people 's children. They were aware I was going over the mileage, again, reinforcing my intention of purchasing the car at the end of the lease. Now, the car has lost so much value, I have been backed into a corner. My job is on the line because my car is not safe and I can not transport the child I am caring for. I got a new car because I care the most about safety and reliability, and it has neither. The dealership said that it is not their problem, but I can not buy a car that is not what I was sold in the first place. I feel helpless and this car has now put me in a hole. I believe it is the manufacturer 's fault that these issues exist. There is an electrical issue that the dealership has said can not be resolved and Ford has agreed, and now the transmission. I will never be able to sell this vehicle after buying it and I will not be able to afford repairs after my lease is up, especially now that transmission AND electrical issues exist. Ford and the dealership keep saying I have to pay but I just do not believe that it is fair. None of the issues have been my fault and I should not have to pay for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
I would like to file a unfair business practice complaint against XXXX XXXX Ford, XXXX, XXXX, NY XXXX and Ford Motor Credit.They were so desperate to make a auto sale that they allowed my husband to sign a loan agreement, which included me on the loan. My husband never does any of our financial documents, as he is XXXX as to what he signs. I never stepped foot into that dealership, so therefore I never signed any loan document. I spoke to the owner and he was not helpful at all. I advised him that I wanted my name taken off the loan. I also informed Ford Motor Credit and they were of no help either. I would like to file a complaint against the dealership who allowed a person to sign a legal document in another persons name knowing that the other person was not there at the time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-30 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: Trident Asset Management, L.L.C.
State: FL

Complaint narrative:
I stopped payment on a check that I did not present XXXX. The drivers license number or birth date or signature are not mine on the check. Have contacted Trident Asset Management numerous times they are very rude and wo n't listen to me. They reported this stop payment check XXXX and the refuse to delete it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-20 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: Brown and Joseph, Ltd
State: CA

Complaint narrative:
Brown and Joseph LTD. Keeps trying to collect a debt of XXXX dollars for XXXX. I never had this account, policy or collection. They have reported the collection to XXXX and it is affecting my credit report. I do not owe this money and this is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Credit Service, Inc.
State: TX

Complaint narrative:
I been contacted several times by some individual claiming to be a representative of ARA Inc, a collection company based out of IL. 
Despite having made clear the fact that I owe no such debt and I have never engaged in any business with the associates bank the original creditor of the collection account.ARA Inc has continued to contact me about an outstanding account in the sum of {$5200.00}. 
The contact has been through phone call as well as letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc.
State: TX

Complaint narrative:
Form letter received for undisclosed debt for {$19000.00} to be reduced to only {$6000.00} if I contact by phone by XX/XX/XXXX. Letter arrived with no address on envelope or letter. Today I received call and voice mail on my cell and my alternate phone number harassing me to contact asap or legal action will be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc.
State: KS

Complaint narrative:
At XXXX and XXXX, on XX/XX/XXXX, I received missed calls from Asset Recovery Associates. ARA did not leave a message, so I returned the missed call at XXXX. The representative that answered my call, asked for my phone number. Then, he said he would transfer me to my representative. I do n't believe that the representative that took my call introduced himself. He called me by my first name, and immediately stated that an affidavit was being filed, and a judgement was going to be made against my social security number. Allegedly, I opened a car loan in XX/XX/XXXX, and supposedly defaulted on the loan in XX/XX/XXXX. I told the representative that I do n't have any knowledge of a car loan in XX/XX/XXXX. He then asked if I had co-signed on a loan. I told him several times that I have no idea what he is talking about, and expressed confusion regarding the situation. Before transferring me to the " fraud department, '' he verified the last XXXX digits of my social security number. The representative I was transferred to introduced himself as someone from the legal department, but I did not catch his name. He also addressed me by my first name only. I again explained that I did not have any knowledge of the account they were referring to. This representative took an accusatory tone, stated they had sent letters repeatedly, and called me a liar when I said I did not receive any correspondence regarding the account in question. I would like this debt collector to know that I do n't have any knowledge of a car loan debt. Furthermore, since the alleged default on the loan occurred in XX/XX/XXXX, it would be long past the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Army and Air Force Exchange Service
State: CA

Complaint narrative:
I had a credit card a few years ago that was sent to a collections. I called to set up a payment plan to start paying it off and was told the balance was XXXX in XXXX I started making payments of XXXX and at this point have paid XXXX. I called to find out the remaining balance is thinking its XXXX or so and they are now telling me i owe an additional XXXX . I asked them to provide documentation and was hung up on. So I called back again and they said they could not provide the balance and they charge everyone XXXX payments of a XXXX until the balance is paid off but could not tell me what the balance was when it was sent to collections or what was added onto the payment. I asked to speak with a manager and was once again hung up on. I have pulled a my credit report and its reflecting the charge off was XXXX. I received a email from XXXX XXXX XXXX stating i needed to make XXXX payments of a XXXX even though i only owe XXXX even with interest it does n't make sense why they are charging me a extra XXXX nor will they provide any documentation as to what i am being charged for. I am trying to pay off this debt and they will not provided me with an accurate pay off nor are they being honest of what the extra XXXX is going towards.

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 2016-06-08 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Credit Service, Inc.
State: WA

Complaint narrative:
I was contacted on my cell phone by a woman named XXXX XXXX on XXXX/XXXX/16 at XXXX. I did not answer since it was an unknown number so she left a message. She does not state what company she works for but says that there is a claim in their office and she needs to speak to me further regarding the matter. She called from XXXX. She requested that I call her back a XXXX, ext XXXX. She said I was to refer to case # XXXX. Within seconds of that call my son received the same message for me on his cell phone. I have recordings of both messages left. The message on my son 's phone was the same except the case number given differed. I did not return the call. On XXXX XXXX, 2016 I received a letter from ARA Inc stating that ARA has recently obtained and now is the legal owner of my XXXX Account. I do not have an account with XXXX, nor have I ever had an account with XXXX. I called XXXX 's fraud department and they verified that they have no record of an account with my name or the account number that ARA Inc. says is mine. ARA claims that I owe {$5500.00}. I do not. The case number listed on the letter is different than the XXXX numbers previously given in the 2 different phone calls. I ordered a credit report on XXXX/XXXX/16 through XXXX which also shows that I have never had credit with XXXX. The credit report also shows that I have XXXX negative accounts, XXXX collections, and XXXX public records. All accounts shown are either " Pays as Agreed '' or they are closed with a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
PayPal sent my negative account balance to collection despite me making regular payments towards it. At the end of last year, a chargeback sent my PayPal account negative. It was {$1300.00}, large compared to the transactions I generally process through Paypal. Throughout XX/XX/XXXX and XX/XX/XXXX, I made regular payments toward this balance- over {$700.00} worth in fact- and I have been continuing to make payments. I received a letter from a collection agency demanding about {$100.00} more than my account is currently negative! PayPal Account ID : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-11 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: I.C. System, Inc.
State: MI

Complaint narrative:
I owed XXXX a debt of XXXX dollars which I have been paying. A " collection agency '' called IC Systems has been sending me letters to pay the remaining balance. I thought it was a legitimate collection agency. I paid them XXXX dollars with my debit card. Little did I know ... 

Two days later, I had charges of over XXXX dollars on my checking account. Someone was using my card in XXXX. I live in XXXX. When I did digging, I found out that this collection agency was fake. Using a fake address in XXXX, they currently operating in XXXX, XXXX. I have found that many other are falling victim the way I am.

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 2016-10-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
Paypal is actively allowing sellers to take advantage of the friends and family option to scam buyers. I was prompted to buy an item using the friends and family feature from a seller I met through facebook. After not receiving any item of monetary value from the seller, I started to question if I had been scammed. At this point in time, about a week later, others started to come forward and express that they too had been scammed by the buyer. After contacting ebay about this situation, submitting proof of all the wrongdoing by the seller, and submitting an ACH claim through my bank, I was simply told that paypal was unable to do anything. The sellers account has already been flagged for multiple reversals and refunds, my account of 10 years has no history of black marks on it. I have submitted proof of this seller being a scammer, and have been told by other buyers that they were able to get their money back from paypal after this issue had occured to them. I am now stuck without being able to get paypal to do anything about this fraudulent seller being able to use paypal without repercussion. The seller has violated terms and services by prompting the buyer to sell as friends and family. I was duped into using this service and have now been scammed in the amount of {$160.00}. Paypal is taking no steps to get this money back from the scammer and back into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: I.C. System, Inc.
State: TN

Complaint narrative:
This comapny calls me every day sometimes twice per day I have no idea who they are or why they are calling me they do not leave a voicemail when I miss thier call

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: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
After reading about the recent billing problems with PayPal credit, I decided to go back through my statements to see if there were any discrepancies on my bills. I have had an account with them since XX/XX/XXXX. Admittedly, I should have caught the problems before this, but the accounting errors are so small that I honestly overlooked them when paying my bill:XX/XX/XXXX : eBay purchase for {$99.00}. System shows this as the order total. PayPal reflects they charged {$100.00}. While this could be shipping, eBay 's system states " see description '' under shipping but yet they show the order total at {$99.00}. Therefore, I believe no shipping was charged. 
XX/XX/XXXX : eBay purchase for {$100.00}, but PayPal lists charge at {$100.00}. Obviously, this XXXX works in my favor, but this is still an accounting error. 
XX/XX/XXXX : eBay purchase for {$99.00}, but PayPal lists the purchase as {$100.00}. 
XX/XX/XXXX : eBay purchase for {$110.00}, but PayPal lists the purchase at $ XXXX : eBay purchase for {$110.00}, but PayPal lists the purchase as $ XXXX needed, I can give you my entire eBay purchase history and all of my statements through PayPal. It is also worth noting that PayPal credit 's online system often does not order interest free due dates correctly which can make it quite confusing when trying to pay off items before their due date. The customer has to sift through all the dates in order to figure out which one needs to be paid off XXXX in order to avoid interest. I know the credit card companies do not order expiration dates like this. For example, it might order it like this : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, etc. I have a screen print of the ordering that I can include for your records.

Company response to consumer: Closed with explanation