vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-31 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: ONLINE Information Services, Inc.
State: OH

Complaint narrative:
I received several phone calls over the last few weeks from this company claiming that I owe a debt for a utility bill of some sort. I asked why I was not served a letter saying that I had a right to dispute this debt before collection action was taken. The guy told me that they do n't send out letters like that only invoices and he thinks that it was stated somewhere on there that I could dispute it. I asked when would I get that letter since he was calling before I received any letter or invoice from them at all. He said not to worry about the letter and that he wanted to set up a payment for the alleged debt. I said never had XXXX for my utility he said sure you did and you owe the money, stop being a deadbeat and pay your bills. I hung up he called back 17 times in a row, and every day since at least 7 times. My XXXX year old daughter answered my phone a week ago and someone from this company asked for me and when she said I was unavailable he told her to tell me to get out of bed and get a job so I could pay my bills. I have sent a do not contact letter and it was ignored. I also sent a debt validation demand letter it also has not been answered. These are blatant and clear violations of the FDCPA, and the FCRA. They have not sent a dunning letter, they refuse to stop calling when I asked over the phone, they harassed me with multiple phone calls and terrorized my small child when she answered the phone. They refuse to validate the debt in any way, the 30 day time frame is now passed and yet they still call, and report this on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
The collection company IQ DATA International claims we owe XXXX unpaid debt, which was already paid. We sent XXXX and XXXX the copy of the cashed checks along with the letter showing the amount owed, which was already paid. But the collection company and the credit bureaus refuse to acknowledge.

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 2017-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.Q. DATA INTERNATIONAL, INC.
State: AZ

Complaint narrative:
I receive calls for a debt that I do not recognize and do not think is mine. When I ask on the phone for more information on the debt, for example origin, amount, or name and address of the collection agency on the phone with me, I am stone walled. When I ask for written proof of the debt, I have received nothing. 

But these calls persist. Every few months there will be a flurry of activity and calls, then it will go silent. This has been going on for about 8 years now. Ca n't I make these calls stop?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Medical Society Business Services, Inc.
State: AZ

Complaint narrative:
We revieved a statment from XXXX on XXXX/XXXX/2016 and paid it on XXXX/XXXX/16. BUREAU OF MED ECONOMICS Reported us to the Credit Bureau without ever contacting us

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 non-monetary relief
Consumer complaint received 2015-04-28 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I purchased a pair of eyeglasses fro XXXX XXXX utilizing a promotion offering 12 months no interest. My wife is the person in our home who pays the bills. One year later I received a call from Calvary Portfolio Services who were bring to collect on a debt for my glasses. However, when they called and asked for my name, address, and city, all of the info the had was incorrect. My name was spelled wrong, my address was wrong, and it was not in the city in which I lived. As a result of this inadequacy of who ever was inputting my info, my credit has been disrupted. I am attempting to refinance my home, and became aware of the marks against my once perfect credit. I have contacted XXXX Bank who opened the credit card and they said that they can do nothing to help get my credit corrected. I have also contacted Calvary Portfolio Services to see if they can assist me, I am currently paying the debt to them, and they also said that they could not do anything to help my cause. I feel that I have been the victim of some person 's inability to input information correctly leading me to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 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: ONLINE Information Services, Inc.
State: CO

Complaint narrative:
I disputed that the debt was mine. I had a residential account to supply Electricity to my house, and when I moved I paid in full the remaining balance and closed the account. That was in XX/XX/XXXX. I disputed XXXX account with the credit bureaus, stating it was paid and not my debt. The bureaus removed the collections accounts after XXXX was unable to verify the debt. one month later XXXX submitted XXXX separate collections accounts, with the same Claimed debt, but this time they also re-aged it to claim it was opened in XXXX/XXXX/XXXX a full 4 years later, especially after failing to verify the debt to the credit bureaus this is not appropriate, I have disputed this issue again, but XXXX will not remove the fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: CNG FINANCIAL CORPORATION
State: OH

Complaint narrative:
I sent a certified letter to Check N Go to stop the ACH payments from my account with XXXX ( located XXXX XXXX XXXX XXXX, XXXX, OH XXXX ) I took the letter into XXXX to show them and they still charged me a {$33.00} for a stop check fee. I received the certified mail receipt back from Check N Go acknowledging receipt of the certified letter. Yet, Check N Go proceeded with the ACH authorization requesting payment of {$1400.00} and XXXX XXXX let the charge go thru. This left a negative balance on my account and left me with absolutely no money for a week ... no food, no meds, no gas. Nothing for both me and my husband!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CNG FINANCIAL CORPORATION
State: UT

Complaint narrative:
Someone obtained a loan using my SS #

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Recovery Services, Inc.
State: AZ

Complaint narrative:
I had a XXXX done in 2012 in XXXX XXXX, NV. I had XXXX XXXX XXXX ins. I paid my {$100.00} deductible the night of the study. Time lapsed. I started getting calls from Southwest Recovery Services ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ) about the XXXX center bill. After many calls to my ins co, SW Recovery and the XXXX company 's supplier, I found out : XXXX center went out of business, but before closing they sold the accounts receivable accounts to SW Recovery. In addition, XXXX Co never turned in a claim for my XXXX to my ins co. It is the responsibility of the XXXX to bill my insurance co or to at least let me know they did not bill so I could handle the paperwork. They did not. By the time I found out the allotted time to file a claim had expired. I did not know that the XXXX co did not bill the ins co until I started receiving calls from SW Recovery. I have all the records of SW Recovery phone calls. 

The original collection bill from SW Recovery was in the amount of {$3600.00} but SW Recovery reported a total of {$7900.00} to the credit bureau. SW Recovery also listed each charge as a line item. There are a total of XXXX negative individual listing entered on my credit report. 
I sent certified return receipt letters to all XXXX credit bureaus explaining that the medical bill for the XXXX was the XXXX company 's responsibility. Some of the bureaus removed a few entries but not all of them. 
I can forward you a spreadsheet of the phone records of the calls SW Recovery made to me. All but the first few calls were after I had told them I was not responsible for the XXXX bills and not to call me. The calls continued. Over two hundred calls. 

I had requested from SW Recovery a detailed list of what I owed. They could not provide any detail at all. They said they had no record of the billing, yet they gave XXXX individual items to the credit bureaus which totaled {$4200.00} more than I owed. 

Please help me get the SW Recovery derogatory items removed from my credit reports. Your help is appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: CNG FINANCIAL CORPORATION
State: WI

Complaint narrative:
Received a call today as a message. 

You or your attorney call XXXX XXXX XXXX XXXX Figured out who called by looking up the number with the XXXX. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX,, XXXX, XXXX, NY XXXX Called and asked XXXX XXXX XXXX as message stated. 

Basically I was told that they wanted {$2100.00} today. I said I could not pay that and that I would look into monthly payments if they sent me the original agreement. 

Told XXXX XXXX I would call him back on Wednesday, XXXX XXXX, 2016. 

I would like the CFCB to be the go between.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: I.C. System, Inc.
State: PA

Complaint narrative:
i am a victim of identity theft and someone open and bill for XXXX in my name. i have sent the police report to this company for proof that the account isnt mine and it is still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Prepaid card — Mobile wallet
Issue: Fees — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I paid off my Pay Pal Credit in full except for a late fee which I disputed. Pay Pal agreed to reverse the fee but still charged me an interest fee of {$19.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 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: TX

Complaint narrative:
they have place a debt on my credit reports of XXXX and did not call me or speak to me. plus they did not send me any verification of this debt. contract or anything.

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 2015-05-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Last XXXX, Paypal placed a limitation on my account and blocked my access to my balance. They said that they can hold my balance up to 180 days. Now 180 days have passed, they still hold my money and refuse to return to me.

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 2016-11-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Visio Financial Services Inc.
State: LA

Complaint narrative:
I was attempting to re-fi an owner financed bond for deed with Visio financial and before I applied I had inquired if this was something that was possible. I was assured this was something they could do. I applied and provided them with all financial documentation they requested. I was approved for the loan and when they where confirming the title was clear and about to set a closing date they informed me that their lending requirements had changed and could not close the loan due to the title not being seasoned in my name for thirty days. They said the only option was to do a new purchase on investment property and I would be required to have 20 % down which I was not in a position to do and they new it because they had all my financial disclosures. needles to say the loan was never fulfilled and now i 'm out over a thousand dollars and an inquiry to my credit. I have been paying for this asset over eight years and was well above the numerical requirements for the loan to be considered safe. Also, the appraisal was flawed and contained incorrect or incomplete information which had an effect on the interest that they were quoting me. I requested a full refund and was led to believe that I was at fault because I did n't want to come to the table with a deposit and the appraisal ( incorrect appraisal ) could still be used at a different lender. I do n't believe it fair to not return any portion of my expense when I was led to believe one thing and they changed at the last minute to requirements that they knew I would not be able to meet. They are being deceptive and dishonest about their practices and charged me for a loan they knew they were not going to fulfill.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 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: AZ

Complaint narrative:
I had a XXXX account at my address in XXXX NE and when I cancelled they sent me a shipping label to send my equipment back. I had to call 3 different times just to get them to send me the label and tell me where to send the stuff back to. I finally got the label and was told to use any box, so I packed up the cable modem and wireless router and using their shipping label sent everything back to them. About a month later I received a bill for {$160.00} for unreturned equipment. I called them and said there is a mistake because I have a tracking number showing it was delivered and who it was signed by. She said " well we received one of them but we never got the other '' I said well that 's odd because they were in the same box. She informed me that was the problem because they should have each gone to a different address so that was the confusion. I explained to her that I had called 3 different times just to try and get a shipping label at all and was never informed they needed to go to different locations. She said she would take care of charges on my account and that was the end of it. I never received another bill after that. Next thing I know a few months later I got a notification that I had been turned into collections with XXXX for that same {$160.00}. I called XXXX and explained the situation to them and they filed a dispute which gave XXXX 30 days to respond. On XX/XX/XXXX I got a letter from XXXX that they are not currently handling my account anymore and any information that may have been reported to the credit reporting agency would be deleted. So I thought it was resolved and finally finished. Naturally you can imagine my frustration when I just received a notice from a DIFFERENT collection agency dated XX/XX/XXXX through IC System Inc attempting to collect the SAME {$160.00}. 

Bottom line, XXXX is charging me for equipment that I DID return and they 've confirmed that I did return it and should 've cleared my account. They 've tried to go through one debt collection agency and when that did n't work they are now going through another one. I do n't owe this money as I returned all of their equipment as required ... and they 've confirmed that!

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 2015-09-25 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
Was charged late fees when I shouldnt have been and was never corrected. Paypal credit refuses to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 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: CA

Complaint narrative:
I ordered XXXX XXXX XXXX Internet and Phone Line Service for my business date XXXX/XXXX/2014 and connected service date XXXX/XXXX/2014 but I did not satisfy with service because the Internet too slow and the phone line had too many strange called in, I had to cancel XXXX XXXX XXXX service and changed to another company is XXXX date XXXX/XXXX/2014 and return all equipment to XXXX XXXX XXXX with in a month of service. XXXX XXXX XXXX sent me a bill to charge for Service and early cancellation {$430.00}, I do n't want to pay that amount because and canceled XXXX XXXX XXXX service with in 30 days with no fee, now XXXX XXXX XXXX sent it to collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I purchased a paint gun from XXXX, I paid {$250.00} and never received. I tried calling Paypal and the shipper but found not get an answer, I tried filing a claim with my credit card but they said to much time had past. We gave up and now reading this on XXXX I 'm hoping for justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A.
State: AZ

Complaint narrative:
I have a mortgage with Flagstar Bank, I have had this loan with them for three years now and I have never been late on a payment. I use the system of payment that they recommend to their consumers online, and in XX/XX/XXXX their system had an error. I made my payment through their online system on XXXX/XXXX/2015 and the payment in their system showed me it went through. I had funds in my bank account there was no problem processing the payment on my end. But their system had an error and did n't process the payment correctly, or that is what I was told. Their system shows the payment as being returned on XX/XX/XXXX and that is when I got a phone call from them stating that I was now over XXXX days late for my mortgage payment. I asked how that could be, I had made the payment and I knew I had funds available for it. He told me of the error and took a immediate payment over the phone from me to correct it. He told me he could n't speak to me about the XXXX day late mark they put on my credit, that I would have to send in a fax and just wait for a response. I am very frustrated with this! We have an excellent credit history, and have never had a XXXX day late payment even on a credit card much less a mortgage!! Any help would be much appreciated, I feel like if I made my payment through their system and their system had an error, it should not reflect negatively on me for doing it their way.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XXXX XXXX I went online and made a payment to my Paypal Extras Mastercard in the amount of {$490.00} using my checking account debit card as the payment source. I later learned while reviewing my checking account statement that the amount posted to my account for this transaction was {$600.00}. I researched the transaction and discovered that what Paypal did is modify my payment amount without my knowledge or consent. My Paypal account ( not really related to the Paypal Credit Card which is owned and managed by XXXX XXXX ) had a negative balance of {$110.00}. To bring this out of negative status Paypal added this balance to the payment amount I selected and charged the new amount instead of the amount I chose. I notified my bank and wrote a letter to the Attorney General Office of NYS who then forwarded my complaint to Paypal for a response. Paypal indicated in their response that the Paypal User Agreement granted them prior authorization to make this change and so they were acting within their rights. After reviewing the User Agreement and response from Paypal this is absolutely not the case. Paypal acting solely upon their own discretion posted a charge to my bank account that was greater than the amount I permitted. I 'm hoping the Bureau of Consumer Financial Protection can help me bring justice and stop Paypal 's illegal billing practice from happening to other users.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 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: TN

Complaint narrative:
I recently pulled my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a financial agreement with this company and neither have they ever provide me goods nor services.

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 2015-07-28 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am having trouble paying off a debt I incurred with the original credtor pay pal credit. They then transferred the debt to XXXX on XXXX XXXX of 2014. I called XXXX and they said they sent it back top pay pal. I owe over XXXX dollars I want to pay my debt but I cant find it Its in limbo. Neither company will trace the debt and help me I have called multiple times

Company response to consumer: Closed with explanation