vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
Customer made a timely payment to Ford Motor Credit on Thursday, XXXX XXXX, 2016 before XXXX eastern time. Payment was made by telephone ACH - bill matrix with confirmation number # XXXX. Ford did not credit the account correctly until XXXX XXXX. The account now reflects 31 days past due when it is not past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CNG FINANCIAL CORPORATION
State: TN

Complaint narrative:
My credit monitoring subscription notified me that XXXX had posted collection accounts on my XXXX and XXXX credit bureaus dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 

I have never received notice of this debt from XXXX nor have I been given the opportunity to dispute this debt before they reported it to the credit bureaus. I had to look up the company on the internet to find their contact information. 

I contacted them on XX/XX/XXXX at XXXX and spoke with a XXXX. He informed me that on XX/XX/XXXX, I had taken a loan from a company called Allied Cash Advance in the amount of {$1400.00} and that that sum was deposited into my bank account. He told me the current sum due is now {$1700.00}. I asked for an account number to which they gave me XXXX. 

I have never heard of Allied Cash Advance. Looking at my bank statement from XX/XX/XXXX, there are no deposits from anything unfamiliar nor are any of them for the amount of {$1400.00}. I have searched my bank statements from XX/XX/XXXX through current date and there have not been any deposits to my bank account in the amount of {$1400.00}. 

XXXX is also not registered to collect with the state in which I currently live nor are they registered with the state in which I previously lived.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Central Portfolio Control Inc.
State: PA

Complaint narrative:
A representative from Central Portfolio Control contacted XXXX relatives regarding an account in my name. 1. They contacted my daugther by phone, shared information with her about the account, and attempted to set up payment arrangements. 2. They also contacted my son-in-law about the same debt. During the phone call to my daughter 's husband, the representative shared information about the debt such as the asserted balance owed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Threatened to take legal action
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
I already paid them and they still are sending me letter that I did pay when in fact I did in this noticed I will be providing the receipts of payments done to them every month

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Bursey & Associates, P.C.
State: AZ

Complaint narrative:
XXXX XXXX XXXX sent false debt collection information to Bursey and Associates XXXX. The original creditor is XXXX XXXX Bank, XXXX. The debt in the amount of {$590.00} do not belong to me nor have I done any business with either of them. I notified the XXXX office and they are suppose to remove this false claim from my name. What upsets me the most is that XXXX XXXX XXXX assumed individuals with the same last name is associated with a debt their trying to collect. I 'm tired of these credit card companies submitting false claims and the credit bureaus are just as bad accepting false information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
Progressive Management Services refused to negotiate on this debt even though I told them I could n't make it to the next hospital where my XXXX condition would have been evaluated for free. ( VA hospital as I am a Veteran ) Also they are n't reporting the amount I have already paid to the {$1400.00}. I am still owing {$300.00} bout it 's being reported as a {$2000.00} debt. I told them I needed it paid so I could refinance my mortgage and she laughed at me when I asked her to negotiate. I feel this unfair, prejudice and unreasonable of this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 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:
TRIDENT ASSET MANAGEMENT is not a licensed collection agency in the State of Florida. Since they are not licensed in the state of Florida they and not allowed to collect or report on debt on someone who lives in Florida. They by law must close this account and remove any reference of it from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 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: CA

Complaint narrative:
I was outside the country for more then 25 years, I recently received my XXXX card because because my wife and kids are Americans. I do not know this company and neither the origins of the debt claim. 
Claiming Company name and date ) ctober XXXX2015ARA INCPoBox XXXX Park, IL XXXX person : XXXX XXXX XXXX : ( XXXX ) XXXX ext XXXX Creditor : XXXX XXXX Bank XXXX XXXX # : ****************Current balance {$1900.00} ( due in full )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: Nu World Title, LLC
State: FL

Complaint narrative:
I 'm filling a complaint against Nu World Title XXXX, LLC at XXXX, Florida XXXX. ( phone XXXX ) On XXXX XXXX 2016, My wife and I sign the papers for a new house at Nu World Title XXXX. The signing was very cold and not very professional and the person assign to closing was n't either. After the closing and sending the funds to the attorney we did not get our keys to house until the next following week Monday afternoon. ON XXXX/XXXX/2016 our lender from XXXX. text me on my cell phone that we had to come in to the office and sign for a new disclosure papers. Because Nu World Title XXXX, LLC used their paper for the closing. Our lending agent XXXX XXXX tried to explain what happen but we look over paper but we decided not to sign anything until we see an attorney first. The Nu World Title of XXXX, LLc use other lending papers to closing our house deal. My next step to inform the Veterans Regional office of the problem.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
My mortgage lender and mortgage loan servicing bank, both Flagstar Bank, has mismanaged my home loan escrow account to the extent that they are raising my monthly payment by {$190.00} per month after lowering it by {$100.00} just last year. This is a 6.6 % increase in my monthly payment on what is supposed to be a fixed interest therefore fixed payment! Their failure to adequately manage my loan has led to a {$1300.00} shortage in my escrow account, which they are paid to manage and maintain the balances needed to pay insurance and taxes. The bank clearly does not know how to manage an escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I have applied for a Paypal account many times over the last year. According to paypal Credit my information is confused with another individuals credit and thus they think I have an account. Their security department has not been able to resolve. I sent a letter to XXXX XXXX SVP, XXXX asking his office to escalate and they replied they could n't extend credit at this time. I have received this response probably 10 times in the last year but no one ever tells me why. 
According to the security department its because the credit application never flows through the system. 
I have two concerns : 1. I am very concerned that some one elses credit is confused with mine in their system. 
2. Their lack of urgency to resolve this issue is very concerning as an individual. The fact that they seem to not care that their system could be providing another individual my credit information is not responsible for a credit issuer. 

PLease help me to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 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: I.C. System, Inc.
State: WI

Complaint narrative:
Collector says I owe money for additional plumbing services. I paid the plumber in full and on time ( have receipts ). I immediately asked collector to validate the debt and to communicate only in writing. I have never paid a bill late in my life. Despite my poor finances, I offered collector {$100.00} to make the issue go away. This seems to have emboldened them. Collector reported the fake amount to credit bureaus, plunging my FICO score. If my future employer orders a pre-hire credit report, I may not get the job. I moved out of state ( to save money ) and filing legal action there would be an unmanageable hardship. Today a collector harassed the receptionist where I work.

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 2016-07-06 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: ND

Complaint narrative:
Paypal notified me that I had the option to use the feature called pay after delivery. They also indicated I could turn on and off the feature as I wanted. This is untrue as now I 'm being told the system decides if I can or can not use the feature and there is no way to know until after I make a purchase even though my PayPal account says the feature is on. Its only fair that a consumer should know in advance what payment options are available to them before they purchase an item not after. It 's almost like a bate and switch. I bought the item believing I had been given 14 days to pay, then when I go to check out the payment option is switched to pay immediately. Then the next time I might buy an item thinking I 'm going to pay immediately the system decides to put it on pay after delivery. The consumer should be deciding how they want to pay for their purchases and know what options are available to them before they purchase an item. This is unethical and untruthful lending practices!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I never signed up for a Paypal loan. I did n't give paypal permission to start an account with a {$750.00} credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I fully used an eBay gift card of about {$500.00} to make a number of purchases on eBay at the start of XXXX. As the balance was completely used I discarded the original gift card with the gift card number and I did n't keep a record of the gift card number. The seller of XXXX items did n't ship the item and then processed a refund back to PayPal for {$17.00}. PayPal then immediately debited the refund from my PayPal account and credited it to " eBay Gift Card Services ''. After three hours on the phone with several different PayPal and eBay agents neither of the businesses are able to help me understand how I can get the original gift card number back again to use the refund. In the guise of setting up XXXX way calls between me, eBay and PayPal I was transferred from PayPal to eBay and vise versa 3 times with the initiating agents then dropping off the line so that I needed to verify my identity and start over again and again explaining the issue to both PayPal and to eBay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-13 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I used ebay to sell some old electronics. Without notice Paypal placed a hold on the funds in my account sent by the buyers. Paypal agreement states " Paypal may place a Reserve on funds held in your Business Account when PayPal believes there may be a high level of risk associated with your Account. '' My account has been open since 2000, I have a 100 % positive feedback. I emailed PayPal to explain the hold or why they believe my account is " high risk '' - I received NO response. Paypal agreement states " PayPal will provide you with notice specifying the terms of the Reserve '', I received no notice - I emailed Paypal asking for the terms and if future payments are held NO response. I am a long time customer, I am not high risk, Paypal just wants to collect interest on funds that do not belong t them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
XXXX is adding XXXX $ XXXX $ late fee after monthly payment has been made. Payment due date is less than 28 days from receiving actual bill XXXX, XXXX. XXXX, XXXX. this has not been consistent since opening. According to Credit Card Act this is illegal and I am owed almost XXXX $ plus interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
I requested and paid {$420.00} to Flagstar bank to facilitate an appraisal on my property. The appraiser spent 15 minutes at my house and a couple days later submitted an error riddled report that reflected both a failure to perform the due diligence required in an appraisal as well as basic mistakes in measurements and calculations. The most glaring mistake was in the recording of the square footage of my house. The appraiser left out XXXX square feet from my XXXX square foot house. This resulted in choosing less comparable homes as well as undervaluing the comparable homes chosen by {$4500.00} to {$6000.00}. When the square footage was corrected the appraiser refused to change the opinion of value even though XXXX of the XXXX comparable homes used in the basis for his opinion, increased in value from {$4500.00} to {$6000.00}. When correcting the square footage error, Cost Approach method increased by nearly {$16000.00}. In addition to the square footage errors, the appraiser failed to account for the increase in market value from the sale date of comparable homes to the date of my appraisal, in XXXX case a period of eight months. I provided three separate letters detailing the errors and omissions committed, and none of the responses addressed more than one of the issues I addressed in the letters and none addressed the inconsistency in the comparable values and impact to the Opinion of Value. Flagstar bank claims to have its hands tied and has been unwilling to facilitate an accurate and error free appraisal.

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 2015-07-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: UT

Complaint narrative:
On XXXX I was contacted at XXXX I missed the call and called back at XXXX. I was then told that they had an important business matter to discuss with me and they needed me to verify my address. I then told them I would n't give them any of my personal information, they called me and should have that information. They then continued to claim this matter is affect my credit, and if I do n't resolve it there would heavy consequences. This is odd, because I have been building my credit since my bankruptcy and have really been pushing to keep it clean. I then explained that I have no outstanding debts. I then told them I know what your doing ; I will not give any of my information to a thief that is planning on destroying my good name. I then auto rejected their number immediately. I then received XXXX more calls in the following XXXX weeks. I Called and reported this to the local sheriffs office in XXXX Utah on XXXX XXXX 2015. I gave him the number and the spill they told me. He said if anything comes up on my credit to then call him again, and he would give me a case number to fight the charges. I called XXXX XXXX XXXX 2015 at XXXX and told them I know what they are doing, I demanded that they remove my number from their call list. I also told them I reported them to the local sheriffs department and if any charges are placed on my credit by there company IC Systems. I would take action against. He claimed his company is n't fraudulent, and I confirmed that he understood what I said and that the harassing calls would stop he agreed. I then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Wanted to trade money for an online game but the other persons did n't hold up thier end of the bargain and took my money

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I found out that PayPal has done a credit inquiry. I never intentionally signed up for PayPal Credit. I only signed up for a PayPal account so that I could purchase items securely online. I 've turned down many credit card offers because I heard that the credit inquiries destroy credit. Now my credit has been impacted by an inquiry for credit that I never wanted.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
This company called me XXXX on XXXX within an hour ( XXXX, XXXX ) and XXXX times XXXX so far XXXX on XXXX XXXX XXXX, XXXX, XXXX XXXX. I have been at work today ( XXXX ) and the repeated phone calls are causing me stress that is interfering with my ability to do my job. I work on commission, so this stress is significantly affecting my income as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-02 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I have had a PayPal credit account for a number of years. I 've never had any issue with it until its recent departure from eBay. Since then, it has been impossible to maintain my account as my automatic payments from my checking account do not show up when I login to check my balance. All I can see are payments I 've made directly from PayPal. I recently changed bank accounts and made multiple attempts to change it on PayPal for a {$99.00} payment due on XXXX XXXX. Every attempt was met with a error notice. I finally contacted PayPal and waited on the phone for 25 minutes before being able to speak to someone. It was then I was told the acct was 31 days past due. At no time when I logged in before XX/XX/XXXX was there any indication the acct was past due, only a due date of XX/XX/XXXX. Payments of {$55.00} had been made every two weeks via auto payment for months. In fact, I had made a a payment from my checking of {$100.00} payment in XX/XX/XXXX and when I called PayPal in XX/XX/XXXX they had no record of it. Paypal is making maintaining accts impossible as there is no complete record of payments received and payments due.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Regional Adjustment Bureau, Incorporated
State: FL

Complaint narrative:
I received a collection letter from RAB Inc claiming I owe XXXX of XXXX OH {$1600.00}. I have never done business with this bank and have no debts other than XXXX and XXXX credit cards, which I pay off monthly, and my home mortgage with XXXX XXXX. I have read on the internet of others receiving false claims for XXXX XXXX XXXX through RAB. My identity was stolen several years ago. It took me a year to straighten it out, and I have no patience with this type of thing now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Prepaid card — Mobile wallet
Issue: Managing, opening, or closing account — 
Company: Google Compare Credit Cards Inc.
State: VA

Complaint narrative:
I have had a Google account for 8+ years, and I have had a Google Wallet account for over a year. Recently, I requested a Google Wallet XXXX which is a co-branded XXXX debit card ( essentially a prepaid debit card ). On the morning of XXXX XXXX, 2015, I received an email that my account was temporarily blocked due to suspicious activity that I reported to Google. When I called in, I was unable to speak with anyone in the Risk Department. Then, I received another email this time indicating that Google had flagged my account for fraudulent activity. There were no improper transactions on my account. The third communication from Google indicated that they had to close my account, and there was nothing I could do because they had the right to close any account at anytime without notice and without liability if the terms of service were violated. I do not know what I did wrong, and I guess I never will. 

I was an XXXX for a number of years, and we never closed accounts without providing specific reasons.

Company response to consumer: Closed with explanation