vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-03 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I made a purchase through Paypal invoice for a tangible goods. According to the buyer agreement I signed with Paypal I am to be protected in the event the item is not received. I sent {$600.00} to a person in another country and was to receive goods in exchange. The seller provided tracking information for the item being shipped which shows the item never made it to XXXX, let alone delivered to my address. The seller also confirmed that the shipping courier ( XXXX ) acknowledged that the item was lost. The seller paid for insurance to be covered in the case of loss or damage and has subsequently filed a claim with XXXX for an ammount equal to the {$600.00} purchase price. As a buyer through Paypal, who 's user agreement states I am protected in the case of non-receipt, I filed a dispute to get my money returned ( {$600.00} ). After investigation the dispute was eventually closed in favor of the seller citing " proof of delivery '' was provided by the seller, therefore allowing the seller to keep the {$600.00}, and the insurance claim refund, all the while I am without the agreed upon goods - Clearly going against the rules of buyer protection as explained by paypal ( item not received ). I called paypal after learning of the dispute result only to be told that international law can supersede the paypal buyer agreement because international seller agreements vary country to country, something that is not explained in the user agreement I had signed with paypal. It boldly states " Protection for Buyers- Types of Problems Covered. PayPal Purchase Protection ( also known as PayPal Buyer Protection ) helps you if you encounter either of these problems : You did not receive the item you paid for with PayPal - " Item Not Received '' ( INR ) ''. Why they decided to side with the seller is beyond me and goes against the agreed upon signed user agreement, which includes quoted buyer protection. Now, I am without {$600.00}, without the purchased goods, without any recourse to reclaim lost funds and the seller keeps the {$600.00} and collects {$600.00} from the XXXX insurance claim. The trust I placed with paypal has been abused and has cost me to loose a subsequent amount of money that should have been protected per our agreement. Currently the dispute is in the appeal process but I was assured that the decision will not change and I will not be reimbursed for the lost {$600.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-24 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Paypal will not allow me to close my account. The reason I want to close my account is that my debit and bank accounts have been compromised. Two unauthorized transactions were processed by my bank ( I have already addressed the issue with my bank ). At this time I have no Paypal transactions pending. They say the reason they will not allow me to close my account is that there are pending transactions. Please provide any assistance you can in helping me to close this Paypal account that has been compromised. 
Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-29 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.C. System, Inc.
State: UT

Complaint narrative:
I saw a medical collection from IC Systems on my credit file that I was not aware of. I disputed the information with the credit bureaus because I did not know that this debt was for. But, instead of providing verification of the debt, the split it into XXXX different accounts and reported all of them to my credit file. So not instead of XXXX collection with a {$3400.00} balance, they are not reporting XXXX collections with smaller amounts.

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 2016-09-29 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Lionstone Holdings Group
State: SC

Complaint narrative:
I got a collection call from this company call lionstone holdings. They have contacted my mother and told her I was being served with papers for a debt I owed to a loan I took out in XXXX 2016. I called the number who called to get more information regarding the issue and spoken with a guy name XXXX. He wanted me to pay a balance of {$1500.00} and I advised him that is too much. I can not pay that and informed to set up arrangement to make payments plus I was unemployed. I made a first payment of XXXX on the account and I tried to get an extension out and he became very rude stating I would face judgement and be sent to court. I just wanted to extend my balance out but instead he became very disrespectful and rude then disconnected the call on me when I needed assistance with extending. He is very unprofessional and threaten to take me to court. I will love to have someone different over my claim because I am trying to pay back this loan but I do not want anyone disrespecting me when I am trying to work with them in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 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: Trident Asset Management, L.L.C.
State: CA

Complaint narrative:
Account cased 13 days after opening and including equipment returned with receipt within 13 sldays. This debt is for an early termination fee. I do not owe with verizon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Lincoln Educational Services Corporation
State: NY

Complaint narrative:
I was kicked out of the 11 month XXXX program at Lincoln Technical Institute after approximately 3 months because I was exceeded their XXXX consecutive absence policy. However, the reason I was absent was because I was in the hospital. I have the hospital record showing I was in the hospital during that time and I 'm also attaching a breakdown/explanation of tuition as well as the Lincoln Technical Catalog. I 'm currently taking them to court to settle the remaining tuition debt that they are trying to collect from me ( approximately {$7000.00} ) because I was kicked out of the program and was not allowed to complete their program. I feel like I should n't have to pay the amount because I was n't able to complete the 11 month program due to them kicking me out because I was in the hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 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: NJ

Complaint narrative:
I work for a company that had an insurance audit by XXXX XXXX. The debt collector called me on my personal cell phone to collect a debt owed by the company I work for.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Financial Credit Service, Inc.
State: CT

Complaint narrative:
I was contacted by a company called Asset Recovery Associates last week while I was traveling for work. A voice mail was left for me to call back a " XXXX XXXX '' about an important matter but it was very vague. Upon calling back, I spoke with XXXX XXXX who explained that he was calling about a credit card account I had back in 1993 when I was in college which was now up to $ XXXX. He said that even though it was way past the statute of limitations, it was going to court and I was going to get my wages garnished and this was my last chance to resolve it voluntarily. I said I wanted to speak with his supervisor and I began speaking with XXXX XXXX who said I had a choice of paying a settlement of {$2100.00} or I can pay {$300.00} per month but that would mean paying a total of $ XXXX. I said I was traveling for work and had to call back. 

2 Days later while on my way back home at the airport, I get a call from someone from my office telling me that a XXXX XXXX called, saying he was calling on behalf of the XXXX county court and that he was an attorney and that my wages were going to be garnished!!! He told this to some at my office. 

Furious, I immediately called back was treated in a very mean and unprofessional way by this undereducated thug. I insisted on speaking with his boss, XXXX XXXX got back on the phone and told me that my wages would be garnished. She bullied me into a {$1400.00} settlement. Fearing that more calls would be made to my place of work, I gave authorization for this payment and I now regret it. I have an attorney that is going to be suing them but I want to warn other people to BEWARE of this horrible company that misrepresents, lies and uses fear to steal money from people on debts that are no longer valid. 

They are located in XXXX XXXX, ILThe number that comes up on caller ID is XXXXI was told by attorney that this company has been sued 19 times for this type of thing. I want my {$1400.00} back and I am going to get it. I NEVER file complaints but once my place of work was contacted, I felt compelled to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Eltman Law, P.C.
State: NY

Complaint narrative:
I XXXX XXXX have been requesting and writing for the proof of judgment concerning the debt that I 've been paying for the past year and eight months stating that this debt belongs to me. In XXXX and XXXX of 2015 I have been in contact with your office requesting said judgment with the understanding that the judgment would be sent and I have yet to hear anything from your office concerning this matter. I checked my credit report and the debt was not on the report so how can i be in debt and paying something i have no knowledge of or any proof. Therefore, I am now requesting that my money be refunded in full back to me within 10 business days of receipt of this letter. If this office does not refund my money I will be forced to file a complaint with the Customer Financial Protection Bureau and the Attorney General Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Financial Credit Service, Inc.
State: KS

Complaint narrative:
I received a letter today from ARA INC attempting to collect a debt on an old XXXX credit card that has been paid in full with another company. I do not owe this debt. I have been contacted by phone regarding this account before threatening to serve me with a complaint, and have explained that I have paid the debt in full and will file a complaint with consumer protection if they contact me again. Inevitably, I am contacted a few months later by a different company claiming I owe the same debt I have paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 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: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
I have a a unverified account from FABCO # XXXX. I had previously disputed this account. I have never done business with FABCO. Pursuant to the Fair DebtXXXX Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that FABCO Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that FABCO Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: Army and Air Force Exchange Service
State: GA

Complaint narrative:
For over XXXX years, AAFES charged me directly from my social security XXXX check payments to pay back my mil. star account, even though prior to them doing that, I tried to tell them I was XXXX and could only pay XXXX dollars a month, but it was not sufficient for them. 
I contacted them again in 2014 claiming It had been more tan paid and again to tell them I now was diabled 100 % and they were hurting my pocket. 
They went ahead after many emails and supposedly pardon balance of debt and returned a refund, saying it was now paid in full, but has reported my credit as a charge off even though I have been XXXX for many years. Iam requesting your intervention for the XXXX time against this creditor and investigate if I was legally forced to pay since my supposed balance was XXXX. They should reimburse me. See attached letter sent by them after my complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
Nissan Motor Acceptance Corporation has a XXXX loan under my name. I did not sign, give consent or agree to a XXXX loan. The second loan is for the same vehicle that I had purchased ( the letters they sent home to me have a different account number than the original account, yet has the same VIN # of my car ). I filed a dispute through XXXX as I also tried working it out with the company. It has been more than 2-3 weeks that I have been calling/emailing Nissan to fix this issue. Recently, I noticed on XXXX XXXX that it shows up as " paid and closed. '' Yet, it also says that I was late on a payment. Since I did NOT sign, give consent or agree to the XXXX loan, it should NOT be showing up on my credit at all. This morning I received an email from XXXX indicating that they contacted Nissan and got verification that the loan belongs to me. I think that it also shows up on XXXX, but that is why I am hoping that by filing this complaint, the company will fix their mistake and report to the credit agencies that it is NOT my loan and that it was THEIR mistake, will clear everything. I am also requesting a written letter from the company indicating that they in fact did make the mistake and the steps they took within the past 3+ weeks to fix it. I want that letter just in case this issue ever comes up again and I have written proof that the loan was a mistake and it does not reflect my financial decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
I am a GMFinancial customer since XXXX 2015.I was recently XXXX '' from the XXXX after XXXX. I moved from XXXX to XXXX. The vehicle that i Have leased with GM Financial is for my wife so that she could get back and forth to work as we both are not full time employees after I took a job working for the XXXX. My pay decreased annually by {$XXXX} a year. During the month that my payment was late with GM Financial I had made a call requesting an extension and set up a scheduled payment that cleared. During that call, I was lied to and told that I would not be reported late and that once my payment cleared I would be set. GM Financial inaccurately reported me late for a month that I was told I would be current. I have since been on time with payments just as I was before. As part of my promotion in my job, I am required to keep my credit report immaculate. My job requires an XXXX. I will be getting reviewed again in the next couple of month and I am fearful of 30 day late report showing up on my review. This will hurt my chances of promoting and becoming more financially stable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivable Recovery Services, LLC
State: LA

Complaint narrative:
Debt was paid through my insurance and the balance with my debit card. The original creditor did not inform me thst i had a balance because i used my insurance for medical visits..so now i have various collections for small amounts..dropping my score tremendously i paid the balance anyway..and assured me that they will not report it to the credit bureau..i was lied to and comoletely mislead..please help!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 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: National Collection Systems, Inc.
State: NJ

Complaint narrative:
I am being sent a bill from National Credit Management which is trying to collect on a debt from the original creditor XXXX New Hampshire University for services that I did pay for out of my financial aid and I am being double billed from the university and now put in collections. My bill was taken care of while I was at attendance at XXXX and then my award was readjusted after I received my refund when the term was over.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: High Point Asset Inc
State: NV

Complaint narrative:
XXXX XXXX XXXX keeps calling my work with robocall saying I was a person of interest. At one point a live person left a message that I was accussed of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc.
State: UT

Complaint narrative:
GM Financial does not list the amount due on the online payment system until the amount is past due. Each time I log in, it says amount due {$0.00} forcing me to memorize my car payment amount to the penny so that on the next screen I can type it in. I called to address this early on in my lease because it 's confusing and places risk on me to fat finger the wrong amount or be off by a penny and potentially get penalized for an erroneous payment. How does this make sense? Why is this their practice? It 's not helpful at all and again confusing and problematic. I have a ton of bills and sometimes I do n't have the paper bill in front of me so I have to go digging around in past confirmations to remember the amount that I am being forced to manually input. This is a set up and is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: High Point Asset Inc
State: IN

Complaint narrative:
I receive numerous calls on my work line for debt for a XXXX XXXX. I have indicated I have had this phone number for almost 9 years and nobody by that name lives here, but I still get calls. The most recent is from High Point Asset and they are calling two to four times a day now. 

As stated, I use this line for work, and it is very disruptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc.
State: AZ

Complaint narrative:
I filed bankruptcy in XXXX, it was dismissed. I purchased a vehicle XX/XX/XXXX, GM financial reported my account as included in bankruptcy ( which does n't apply to this vehicle XXXX years after a discharge ), continued taking payments up until I purchased a new vehicle XX/XX/XXXX, but states I stopped making payments XX/XX/XXXX. This incorrect information is being reported on my credit report. I have disputed this with all XXXX credit bureaus as well as GM financial who said the information is correct.

Company response to consumer: Closed with non-monetary relief