vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-25 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
I had fraudulent charges on my bank account. I have filed four claims that are being rejected because the employees are not filling out the claims right. I have been harassed up to four times per day including Sundays from the collections department after being promised by two managers to have the calls stopped. I have wasted over 5 hours calling and waiting for them to not help me and to tell me that I owe them {$100.00}. I am sick of waiting for help, They told me on XXXX/XXXX/2016 that it would be resolved in 90 days. We are at day 91 and I had to fill out ANOTHER claim today.

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 2016-12-08 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I had a small business merchant banking account with Santander Bank several years ago. I decided to switch back to my original provider and closed the checking account associated with my Santander merchant processing account, but regretfully neglected to also close the merchant processing account. Without having the ability to perform the duties they were charging me for, and without notifying me that it was a dead account with nothing but fees, they continued to charge me up to {$83.00} per month directly through my primary checking account.

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 2016-11-15 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc.
State: TX

Complaint narrative:
I was telephonicaly contacted by ARA, Inc and I spoke with a XXXX on XX/XX/XXXX about a debt collection attempt. I was informed that the original creditor was XXXX, the original debt was {$6700.00} which he further stated had been written off in XXXX, and the current debt to include fees/interest is now {$15.00}, XXXX. XXXX was very courteous and respectful throughout our conversation but I informed him that I did not recall any matters which might pertain to such a debt. He left me with the impression that legal proceedings were in the process of being pursued. I stated that based on the information he provided to me the Texas Statute of Limitations which is four years would have expired in XXXX ; however, I felt I needed time to think about this matter and my rights/options in such cases. XXXX stated he would hold on to the legal " paperwork '' until the next day and I would contact him again about this matter on XX/XX/XXXX. As agreed I contacted ARA, Inc on XX/XX/XXXX and asked for XXXX. I was told XXXX was in a meeting but XXXX ( sp? ) who I was speaking with stated he was a manager and he could help me. I informed XXXX that based on such limited verbal information I had no alternative but to dispute the debt. My intention was to let ARA know that I would in writing request validation, request essential specific information, and at this point dispute this debt. I also asked him if this was a " Time-Bared '' debt which he refused to answer ( I believe federal law requires him to tell the truth which he would not ). Unfortunately, XXXX then became extremely aggressive and rudely and repeatedly stated " XXXX, you owe this debt '' without letting me talk. He hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 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: Brown and Joseph, Ltd
State: AR

Complaint narrative:
Our XXXX company is being harassed by Brown & Joseph , LTD to pay liability insurance costs that have already been paid. Their client failed to initially contact us regarding the matter, but instead contacted our insurance agent 's assistant via email. That person retired, so the emails were n't being read. We never were contacted about the problem, until it was turned over to this collection agency, Brown & Joseph, LTD ; and then that contact was not to us but rather the insurance agent who was overseeing the assistant who retired. In fact, we never received any correspondence until we complained of not being personally contacted. Joseph & Brown, LTD has refused to give us a sufficient explanation/ evidence as to why we owe their client additional money, even though we have asked. We have given them all the documentation they have asked for, but they refuse to send us a breakdown/evidence as to why we owe this money. We are willing to pay what we owe, but only what we owe, if we are given the proper reason/breakdown/evidence as to why we owe the ADDITIONAL money. The representative for this company has used threatening language and tone ( going to go to court, etc. ) and even hung up the phone on my husband twice. The tactics and lack of initial communication regarding this matter is shameful.

Company response to consumer: Closed
Consumer complaint received 2016-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Financial Credit Service, Inc.
State: WI

Complaint narrative:
This company made a robotic call indicating they were calling about a package delivery and asked me to press XXXX '. I pressed XXXX ' and learned that they were trying to get in touch with a former friend with whom I have not spoken in several years. I explained this to them and asked them to remove my number from their records. She said that she would not this since it is listed as the number for " the defendant ''. I asked her for her company 's info and she hung up on me. I had to call back XXXX additional times to get the information. XXXX XXXX yelled at me repeatedly and told me she would be contacting " counsel '' about this. When I asked for name/contact info for this individual, she refused. I am sending them a cease & desist order, the representative told me that would not stop them from continued calls to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Lincoln Educational Services Corporation
State: MA

Complaint narrative:
Lincoln Tech told me I did n't have to start paying my Federal student loans from 6 months from the date of XXXX XXXX when I graduated and Im already being charged to pay my student loans than they told me. Can you please have the courtesy of resolving this issue by calling me and fulfilling your promise of not charging me my student loan until 6 months from graduation?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: PA

Complaint narrative:
I have XXXX inquiries from Ford showing up on my XXXX credit report for the same lease and there should only be XXXX from XXXX ford In XXXX Pa.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Central Portfolio Control Inc.
State: NJ

Complaint narrative:
We bought a home in XXXX 2011 and got a landline number from XXXX. Apparently the number previously belonged to someone else, because for the last 5+ years we have received dozens of calls from various debt collection agencies asking for a XXXX XXXX . We do n't know anyone named XXXX XXXX, and we always tell the caller this and request that they do not call our number again. 

What would prevent one debt collector from simply re-selling the debt portfolio to another agency, with our phone number still attached to a debt for XXXX XXXX? How can we ensure that our phone number is divorced from this unrelated debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Trident Asset Management, L.L.C.
State: FL

Complaint narrative:
I sent a verification request to the debt collection agency and they failed to verify the debt within 30 days, therefore violating the law. they only sent me a new bill requesting I make payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-19 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
I called the Navy Exchange customer service today to remove an authorized user from my account. I was told by a customer service representative and their supervisor to call back in 48 hours to remove the authorized user from my account, giving the person I am revoking authorization an additional 48 hours to make purchases that as of today I no longer authorize. They sited " system limitations '' as the reason I can not remove an authorized user from the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Trident Asset Management, L.L.C.
State: NJ

Complaint narrative:
Trident Asset Managment Company XXXX XXXX XXXX, XXXX, XXXX XXXX. Has placed a collection account on my credit report for an outstanding electric bill at a service location XXXX XXXX XXXX XXXX XXXX. I have never lived at nor had electric service at this address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Financial Credit Service, Inc.
State: FL

Complaint narrative:
Vague message recieved threatening legal action if the call wasn`t returned at th end of the same busineess day. Again, no specifics mentioned. Later determined the co. was a debt collection agency after researching the phone no. on the internet.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: United Resource Systems, Inc
State: CO

Complaint narrative:
ATTN : CFPB THIS IS NOT A DUPLICATE COMPLAINT, I AM RESPONDING BACK TO UNITED RESOURCES SYSTEMS IN REGARDS TO A LETTER THAT THEY FINALLY RESPONDED BACK TO ME. 

PLEASE FORWARD THIS COMPLAINT OVER TO THEM ON MY BEHALF. 

THANK YOU. 




This letter is being sent to UNITED RESOURCES SYSTEMS again in response to the above reference account that United Resource Systems has reported and listed on all XXXX major credit reporting agencies ( XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX XXXX ( b ) that your claim HAS BEEN disputed and VALIDATION HAS BEEN REQUESTED! 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for-HAS NOT BEEN LEGALLY PROVIDED IN THE TIME FRAME ALLOWED TO UNITED RESOURCES SYSTEMS BY LAW! 
Explain and show me how you calculated what you say I owe- HAS NOT BEEN PROVIDED. 
Provide me with copies of any documents that show I agreed to pay what you say I owe- HAS NOT BEEN PROVIDED. 
Identify the original creditor- HAS NOT BEEN PROVIDED. 
Prove the Statute of Limitations has not expired on this account- HAS NOT BEEN PROVIDED. 
Show me that you are licensed to collect in my state- HAS NOT BEEN PROVIDED. 
Provide me with your license numbers and Registered Agent- HAS NOT BEEN PROVIDED. 

AS YOU UNITED RESOURCES SYSTEMS ARE IN FACT NO DOUBT AWARE, I HAVE REQUESTED VALIDATION, NOT VERIFICATION AND THE INFORMATION IN WHICH UNITED RESOURCES SYSTEMS HAS PROVIDED TO ME IS NOT A LEGAL VALIDATION OF THIS ALLEGED DEBT ACCORDING TO THE LAWS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-09-19 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Central Portfolio Control Inc.
State: OR

Complaint narrative:
Central Portfolio Concern, based out of XXXX, has called my wife and I several times regarding a debt that we are not acknowledging as accurate as we have no record of it from XXXX. We have asked several times, on what they say is a recorded line, that we are not acknowledging the debt but need a mailed statement. They have verified our mailing address several times as well as email and assured us multiple times that we would receive some sort of letter in the mail or by email. It has been going on for almost 2 months and we have not received any written documentation or email regarding this attempt to collect. They have been rude and accused me of being rude when all I want is information about the alleged debt. We have been checking the mail incessantly as we are trying to purchase a home and are concerned this will affect our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
I co-signed on this vehicle, this case went to court in front of a judge and he adjured for this case to be dismissed. Ford Motor Credit 4 years after keeps reporting current late monthly payments after this was ordered to be dismissed by a judge. I need these folks to be told that this is illegal and they can not be doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A.
State: VA

Complaint narrative:
Flagstar Bank FSB has failed to submit payment to my Home insurance provider. There may be a lapse in coverage if the company does not pay.

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 2015-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc.
State: GA

Complaint narrative:
This debt collect continues to report false information for a debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 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: I.C. System, Inc.
State: OH

Complaint narrative:
On or about XXXX, 2016 I noticed that a XXXX XXXX 's XXXX bill had appeared on my XXXX credit file. I requested that this company validate the debt and send me a copy of the application that was used to open this account. They never replied back to the debt validation letter. Now IC Systems collection is coming after me. I have continued to request that they validate this debt and they continue to allow this to report on my credit file.

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 2017-02-02 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Sold a XXXX XXXX gift card ( {$380.00} balance ) on eBay on XXXX/XXXX/XXXX. Buyer paid through online payment service PayPal XXXX. 

A few days later the buyer claims that purchase was " unauthorized '' even though the gift card was used ( balance now ZERO ). Buyer filed claim with eBay and case was closed in my favor less than 1 day after I submitted proper documents to reflect that the gift card was indeed used. Initially PayPal had the hold on my account for the transaction amount but released the funds once eBay closed the buyer 's dispute case. 

Nearly three months ( XXXX/XXXX/XXXX ) later the buyer decided to open a dispute with PayPal claiming the same " unauthorized '' purchase nonsense. Basically the buyer is stating that BOTH his eBay account and his PayPal account were hacked at the same time on the same day for the same transaction. 

I submitted the exact same proof/documents to PayPal as I had to eBay 3 months earlier with proof showing that the buyer received the gift card and evidence ( copy of XXXX XXXX purchase receipt showing when and where the gift card was used in store ). Without any valid reason, PayPal decided to side with the buyer and his financial institute, for no justified reason other than not wanting to go against the banks which PayPal would not exist without. 

PayPal is notorious for siding with the buyer in almost every single case of this nature. Basically I was out of the gift card ( already been used ) and the buyer was returned his money. This is completely unjust and unfair and I have filed complaints with the BBB and the Nebraska Attorney General ( where PayPal operates business from ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The Regional Adjustment Bureau, Incorporated
State: GA

Complaint narrative:
Representatives continue calling to speak with an employee of this company through our business phone line and have been told that employees can not use the business phone for private calls and to cease calling. Calls have continued despite repeated conversations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
: RE : # XXXX Purchased through my PayPal creidt card I purchased these tickets on XXXX XXXX, 2016 It will be 2 months on XXXX XXXX, That I have not received the goods paid for. 

I have contacted the vivid seats through email and they have stated, they do not have any information on when or if this magic men show is going to take place, I find this to be a fraudulent transaction as I have paid in advance close to XXXX for these tickets and I have not gotten what I 've paid for, I have escalated this claim and have been going in circles with vivid seats as well as paypal. and am totally satisfied with the service I have received on both side. Since paypal lis a master card, I am requesting a charge back for this purchase. and I am also going contact an attorney or even the consume affairs department to file a claim. I trust you can see my frustration with regards to this, I hope that you will resolve this matter and keep my business other wise I will go ahead and proceed with the consume affairs board. 
regards XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX paypal Customer

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I have had an existing business debit Paypal account for over 2 years, suddenly Paypal has held my money illegally without the right to file a claim, complaint or legal reason for holding the funds. 
Paypal is currently not registered as a Transfer Agent accordingly to law and what they are doing is illegal according to consumer law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 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: GA

Complaint narrative:
I have notified IC Systems that this debt is not mine on several occasions. I have asked them to remove this account from my credit file since this account was open as a result of identity theft. To date, IC Systems have not removed this account from my credit file. I need your assistance in getting this matter resolved.

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 2016-12-30 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: I.C. System, Inc.
State: IL

Complaint narrative:
I had to paid XXXX XXXX XXXX and open a new account I had a {$57.00} balance on my account with XXXX XXXX XXXX ; I had XXXX XXXX XXXX for about two years ago. I had stopped the service for a while and then started back up, but they said I needed to pay the {$57.00}. I paid it directly to XXXX XXXX XXXX, but I was still getting notices from I.C. System Inc. saying that I owed this amount. This information was removed from XXXX, but not from XXXX.

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