vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
This account is reported in to XXXX, XXXX and XXXX. The account is being reported to have a derogatory rating which is very troubling to me! I am concerned about my credit because I was recently denied a loan and my existing credit accounts have increased my interest rates. This negative rating has caused me serious financial distress and will continue to cause me financial and XXXX until this issue is resolved. 

In researching my legal rights, I have found several items that I understand I am entitled to. In order to rectify this situation and ensure my rights have not been violated in any way under the various consumer protection laws, I must hereby formally demand and information request!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 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: Alliance One, Inc.
State: CA

Complaint narrative:
I received a Notice of Intercepted Funds for a property claim I submitted to the California State Controller 's office on XXXX XXXX 2015. I had paid the debt these fund were intercepted for months prior to submitting this claim. 

The Notice states " If you were due more than the intercepted amount, you will receive a check for the remaining amount of the property in approximately 30 days of this notice date. '' The notice date is XXXX/XXXX/15As of XXXX XXXX 2015, I still have not received the amount due to me. When I call Allianceone, they keep telling me they do n't have the funds. They tell me their records show the debt was cleared months before the claim was submitted but they will not send me the money due to me. 

AllianceoneXXXX XXXX XXXX, WA XXXX ( XXXX ) XXXXXXXXMy account number with Allianceone:XXXXAnother address is : AllianceoneXXXX XXXX, WA XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Ashfield Management Services Inc,
State: NC

Complaint narrative:
Received a call from a " process server '' to confirm address in order to serve me. Called my cell phone and my workplace. No info given, supposed server is a XXXX XXXX XXXX, was given the number XXXX to call with a reference number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 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: Alliance One, Inc.
State: CA

Complaint narrative:
applied for the california XXXX program which court said i was intitled to 80 % reduction of fine sent payment to alliance one as instructed by their representative also sent in court papers as requested. now almost 3 months later after they have cashed the 80 % payment check they have not honored XXXX still attaching wages and i still do n't have a drivers liscence

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC
State: HI

Complaint narrative:
I borrowed money from XXXX to purchase a condominium. The loan was transferred to Stearns mortgage. The Stearns loan number is XXXX. 
I recently paid off the loan, and received a recorded copy of the release of mortgage. Despite repeated requests for the return of the note, I was provided only a copy - not marked paid in full. 
Stearns has refused to respond to my request for the note, or to advise me whether they have transferred, sold, or otherwise alienated the note. If they have, they should nothave accepted the payoff. I have no way of knowing if the note is presently or will be in the future in the hands of some third party. I would like your help in this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
Between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX a {$15.00} per month Service charge was leveled against my checking account for a total of {$180.00} prior to this no service charge was charged. I complainded to the bank on XXXX/XXXX/XXXX and they refunded {$15.00} and said sorry they could not refund the rest. After speaking to bank manager She said " No bank would give back the service charge. '' I wish to file a complaint and recieve all of the service charges returned. The bank offers a free checking for anyone over XXXX with no service charge at all. I am XXXX and very easily quialfy for this account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Trident Asset Management, L.L.C.
State: FL

Complaint narrative:
Theatened us with jail time if we do n't pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I had a catastrophic illness that permanently XXXX me. I lost my job and the bank said they would foreclose on my house in XXXX days. My daughter and I were both on the loan for the house as co-owners. This was our first home. Then we, XXXX at a time we declared bankruptcies and left the home. Never giving us a reason why PNC bank kept delaying the foreclosure for over XXXX years. Then in XXXX we were jointly sued in small claims for the HOA fees of XXXX of the HOA 's. The third HOA was the monthly fees and they filed a lien against the house. We do n't know if they recieved their fees from the final sale of the home on XXXX/XXXX/2014 when the title was finally transferred. We tried for years to get them to do a deed in lieu sign off but they would not do that. The Judge-XXXX at the small claims case, would barely hear our testimony and of course judged in their favor. The HOA did not bring ANY documents to prove the amounts of charged services. The judge said we should trust this lady to send us copies of all the amounts charged since the judge saw her all the time and knows she is reliable. We still have not received a thing and it 's been three weeks. Now the Small Claims court says we owe thousands of dollars on a house for HOA fees on a house that we were told to leave by the bank. We did leave. We would like to to know if this is legal what they did. Can we sue PNC for not foreclosing for over XXXX years because they did n't want to pay the HOA FEES? Should we appeal the small claim judgement?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: DC

Complaint narrative:
I purchased a tire from Merchants on XXXX/XXXX/XXXX. They attempted to mount the tire and cracked the rim, The rims costs {$1000.00} each. After 3 hours working on the mounting operation they gave me the car. I alerted them that the sensor light was still displayed, they said it would go out. The tire blew out again. I had it towed back to Merchant the next day. They discovered the rim was cracked. They acknowledged it was their fault and welded the rim after telling me they would replace it. I rented a car since I was just out of XXXX and needed transportation. They refused to pay for a rental car. I disputed the payment and PNC decided there was nothing to substantiate my claim. I did not think it was fair to pay for the incompetent services. They cracked the rim using inexperienced workers. For three hours they allowed someone to abuse my car. The supervisor came into the service area saying they were struggling with the tire, and yet allowed this same individual to destroy my rim. After it was repaired I had another blowout and XXXX in XXXX saw the welded job and found additional hairline cracks that they repaired. PNC decided to reverse provisional credit for the third dispute against Merchants '. I received a letter on Tuesday XXXX/XXXX/XXXX that PNC would debit my account {$340.00} for a provisional credit they issued in XXXX XXXX. I told them I was not paying it and I disagree with their findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Seashine Financial, LLC
State: AZ

Complaint narrative:
I am in the process of buying a new home and securing lending on a jumbo loan. I have no debt to my name, a credit score higher than XXXX and more than sufficient funds for the 20 % down payment. I am gainfully employed at the some company for the past 10 years and in the same line of business for over 20 years. At issue is documentation required from the lender to approve my loan - specifically a mortgage or rental history for two years. I owned a home XXXX that I purchased in XXXX and sold in XXXX when I moved XXXX and purchased a home in XXXX that I sold in XXXX. Since that time I have been living XXXX rent free. Because I have the benefit of good friends and family members in the area while I continued to search for a home to purchase, I am now being penalized by having my loan not approved for this isolated reason. My impeccable credit report and payment history from XXXX is insufficient?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANCORPSOUTH BANK
State: MS

Complaint narrative:
Hello, I am disputing the charge of {$1000.00} charged on XXXX XXXX, 2014 by merchant XXXX XXXX with my bank ( Bancorp South ). For detailed information please refer to the attached document. 
Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 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: IL

Complaint narrative:
In securing a loan for a new home, we found out there was a collection on my credit report from Trident Asset Management XXXX. XXXX XXXX, XXXX GA XXXX XXXX : XXXX. It was apparently from XXXX in the amount of {$51.00} however, this was not something that XXXX ever submitted to them. We were never contacted by XXXX, nor were we ever made aware of this debt by XXXX. We only found out about it from our lender pulling our credit. It is negatively affecting our credit report and all attempts to obtain further information from XXXX were unsuccessful. They just kept telling us we had to pay it. XXXX has NO record of this debt or an account. XXXX refuses to answer questions, and they are also refusing to remove it from our credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
During an extreme financial emergency, including fraud and other unexpected tragedies, we were having difficult making payments on time. Ford Motor Credit Co. called an offered to assist us by putting two payments at the end of the loan. During the call we, my husbands wheelchair had just stopped working while in the yard, and did not understand the terms of this offer, which sounded to him as though it was something to help us ( he was in the middle of trying to get his wheelchair to work ). Later we learned the interest rate not only increased substantially, but now was compounded daily, putting us much further in the rear. I called requesting assistance with the extreme added charges due to not understanding what the penalties were be, the offer was not explained in a matter that was understood. I was told to call back and that they would help, when I called back, I was denied any assistance. It took 7 years to pay off a 5 year loan. I will mail a completed report of the charges, I have requested from Ford. I believe that it was intended to defraud the consumer masked as assistance when needing it was needed the most. This should be illegal to defraud the consumer and should be addressed. We are on a fixed income in the middle of extreme hardship when, Ford called us, and took advantage of our misfortune addeding to our financial hardship.They intentionally mislead us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
this account is pulling my credit score by being on my credit. please remove this account from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-18 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Continental Credit Control
State: CA

Complaint narrative:
This is the second time that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, ( XXXX, XXXX or fax XXXX ) has enlisted Contintenal Credit Control ( CCC ) to pursue payment from me without ever providing a bill to indicating payment was needed in either case. My credit score is over XXXX ( in top XXXX % of Americans ) this does not happen without conscientious attention to XXXX bills. I am about to pursue a loan to fund my portion of an assessment on my condominium and if my credit is harmed due to XXXX malfeasance, I will seek potent remedies. Please help.

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 2017-03-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
The bill was paid on XX/XX/2016 and I have sent copies of cancel check to them, but they are not doing anything about it. The check was sent to XXXX base on there statement. The only thing that they have done it sent me to collocation XXXX ( XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
i sent {$750.00} to a friend of mine on paypal.. Their Paypal Accoutn was subsequently 'frozen ' and asked them to verify their account by adding a BANK Account. They do not have a bank account, so they ca n't verify. They want to send me back my money but they ca n't now. I am now out {$750.00} of my hard earned money due to this issue. They will not respond to any questions or support. 

Please 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 2015-07-15 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
A group on XXXX created a group. I realized that it was a pyramid scam. I sent them money in hopes of getting more back. I did n't not receive any money in return and they will not send my money back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
PayPal enrolled me in their PayPal Credit account with unclear and misleading information with a credit line, like it is a given because of my excellent history of using regular PayPal for online purchase. PayPal XXXX XXXX XXXX did a hard credit inquiry without my authorization ( nor did PayPal ever stated that they will ) so I did not find that out until I applied for mortgage refinancing and was informed the deduction of my credit score, hence the higher interest rate than I was initially informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
Pay pall closed my account after I confirmed my identity and refused to release my funds to me. The customer service was very rude and did n't give me any reason why they closed an account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I was called consistently for several weeks regarding a debt I am not responsible for. The collection agency say the debt originated from an XXXX XXXX XXXX account. All XXXX XXXX XXXX accounts that I have had have been paid in full.

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 2016-01-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A.
State: WA

Complaint narrative:
I applied for a loan modification through Flagstar bank on XXXX XXXX, 2016. I spoke with a representative at Flagstar bank in hopes of the underwriter granting my modification request due to my financial hardship. I have a serious XXXX and i do qualify for the XXXX XXXX HAMP program. On the phone call i spoke of earlier, i was notified by Flagstar that i would have a new servicer of my loan. I have not been provided sufficient details in writing about my loan modification request. Today, is XXXX XXXX, 2016. Flagstar has waisted four months denying my requests on XXXX occassions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Prepaid card — Mobile wallet
Issue: Managing, opening, or closing account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I purchased an item from an online retailer using what I thought was the PayPal option. By doing this I unknowingly opened a PayPal Credit account which I did not want or ask for. The account began accruing interest and finance charges and will likely affect my credit score. I believe that this is a deceptive practice on the part of PayPal as the PayPal Credit option is designed to look similar to the regular PayPal, promotes confusion and attempts to obtain new accounts through trickery. At no point during the transaction was there a verification or notification that I had in fact opened up a new account rather than using the PayPal account on file, so that I could correct the error or change my method of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I purchased several electronic gift cards on eBay from PayPal Digital Gifts ( part of PayPal ). Despite keeping the codes secure, when I went to use the gift cards I found they had all been used without my authorization. The total dollar value of the gift cards was {$1300.00}, across XXXX cards. 

After a quick search, it turns out that PayPal Digital Gifts had a web site glitch around XX/XX/2016 that allowed private data ( gift card codes, email addresses ) to be viewed publicly with a simple Google search. This problem was quite widespread and has been well documented across many web forums.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-03 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: I.C. System, Inc.
State: NY

Complaint narrative:
I asked for verification of the debt within the 30 day window of first being contacted. The collection agency then mailed me what they considered the verification information. I then wrote them again, asking for more information about the alleged debt while I investigated myself. They reported the collection to the credit reporting agencies within one week later, without me even having the opportunity to rectify the debt with it damaging my credit.

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 2015-05-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I had Filed for chapter XXXX XX/XX/XXXX and was discharged XX/XX/XXXX. I had been disputing items on my credit report about things that was not correct and every time I dispute it something else is wrong. now this time it is saying that the accounts are charge offs after I filed for bankruptcy. I do n't think they should be reporting charge offs on accounts that were closed with a bankruptcy because they were sold off after I had filed. and if they were charged off and sold it should state that the date before I had filed. I t also says debt included in chapter XXXX on XX/XX/XXXX it was not included in XXXX it was included in XX/XX/XXXX with all my bills I handed over and it should also state by consumer 's request not XXXX request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation