vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A.
State: NY

Complaint narrative:
Submitted hardship packet to Flagstar on XXXX/XXXX/15 thru a HUD approved housing counselingageny XXXX. I received an acknowledgement of receipt of my hardship packet and a misisng document letter dated XXXX/XXXX/15. It indicated my lender ( Flagstar ) required updated pay stubs and 6 months of the most recent business bank statements for all accounts evidencing continuation of a business. I responded to the lender thru my housing counselor via fax with updated pay stubs on XXXX/XXXX/15. Also on the same day, my counselor confirmed with a lender representative verbally that the authorization submitted with the hardship packet had been received and advised the representative that the request for 6 months of business bank statements was invalid because I did not have a business nor did any of the documents or the hardship packet submitted indicate that I had a business. A letter was forwarded to the lender on XXXX/XXXX/15 indicating the same. I received a second request for the business bank statements dated XXXX/XXXX/15. My counselor contacted Flagstar on XXXX/XXXX/15 to follow up and was advised that they had no authorization in place. My counselor then re-faxed the authorization ( same day ). My counselor contacted Flagstar on XXXX and was advised that Flagstar still wanted 6 months of business bank statements. The representative told my counselor that my case would be closed due to non receipt of the business bank statements. My counselor advised the lender rep that a letter had been sent and the point of contact assigned to my case XX/XX/XXXX had been notified that their was an error with this request because I did not have a business and therefore could not provide the statements requested. She also asked the lender rep to bring this to the attention of both intake and underwriting so they would review the initial hardship packet again to confirm these documents were not needed. She then faxed a second letter to the lender advising I did not have a business and could not provide business bank statements on XXXX/XXXX/15 and XX/XX/XXXX15.. On XXXX/XXXX/15 my counselor contacted Flagstar and was told that my case had been closed due to non receipt of the business bank statements. She again explained that I did not have a business so could not provide the statements requested and asked that my case be reopened. The lender rep advised her that my case would go in review to determine if they would reopen and to requested my counselor call back the following day. My counselor called on XXXX/XXXX/15 and was advised that the case was again in review.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 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: I.C. System, Inc.
State: SC

Complaint narrative:
I informed ICS collection back in XXXX and also I put it in writing that I do not owe XXXX {$77.00} which they have now put this information on my credit file for XXXX. I have an active account with XXXX more than 5 years with no outstanding debt. ICS refused to take this information off my account which brought my credit score down in the mist of me trying to buy a house. This company is placing false information on my credit report and causes my credit score to drop. Please advise me on what I can do @ this time. I would pay this {$77.00} but I do not owe XXXX anything other than my monthly bill. Please advise me what I can do at this time. My phone # is XXXX and their information is XXXX acct # 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
Consumer complaint received 2015-05-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I C Systems Inc. claimed I owe a debt. I sent them a Creditor Vailidation Letter XXXX XXXX, 2015. I waited the 30 days to hear back from them according to the Fair Debt Collection Practice Act. I have not herd back from them. ALso, I asked them to show that I C Systems Inc is incompliance with the State of Texas Debt Collections Laws thewy have not been able to show me that either. This debt should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23 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: Paypal Holdings, Inc
State: FL

Complaint narrative:
I paid this debt over the phone back in XXXX. ACH did n't go through so she called back and did a Debit card payment for the full {$100.00}. Now I am receiving calls saying that this was never paid. I have provided proof and if this hits my credit I will sue this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-06 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
I had a medical bill that became delinquent it was giving to I C systems

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 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: GA

Complaint narrative:
I was recently informed of a collections account, with this company listed as the owner of the debt. I phoned them to get clarification on the account. This was after submitting a dispute with XXXX as well as directly on their ( I.C. Systems ) website. I was finally connected with a representative and after what seemed like amiable conversation, where I was told that I owe an amount well over the dollar amount that I remember being delinquent and once I began attempting to collect information on how to resolve the debt, I was hung up on. I phoned the company again ( time # 2 ), only to have a different representative this time ; one who acted as though she was unable to reference any proof of the prior conversation. Upon repeating all of my personal information ( very uncomfortable ), I was told by this representative that the company in which I originally had the account ( the one that is now in " collections '' ) would be REobtaining said account, because the debt collections agency would have had it for more than one year. She ( this second rep ) suggested that I phone the original company ( XXXX XXXX ). Of course I phoned XXXX and they referred me back to the collections agency. I then phoned the agency for a THIRD time, just to be transferred to twice and then hung up on AGAIN. It 's quite clear that this company has no intentions of working with me to educate myself on the validity of this account, Or to resolve this account or collect payment. Obviously this only makes me question the validity of this collection.

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 2015-11-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A.
State: NC

Complaint narrative:
Flag star bank took over a year to give us a modification. It caused us to go from being only XXXX pmts behind to over XXXX pmts behind. Therefore the modification pmt they gave us is higher than our original payment was. Now since I had a XXXX and went on XXXX I lost almost all my income. How do you make a higher pmt with less income. In a years time we had to submit a whole package twice due to their Neglegance. They are not giving us a reasonable payment and it 's because of them taking over a year to give us a modification payment with higher principal balance because of them. I need someone to help us keep our home at lower payment. They also included late fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
I noticed XXXX unauthorized charges were made to my bank debit card by PAYPAL. When I contacted Paypal ( representative as well as her supervisor ), I was informed that my account in on hold since XX/XX/XXXX because of certain verification information is needed. I questioned how can they make an unauthorized or authorized withdrawal from an account that is on hold or pending some verification? It is my understanding that they should not be able to withdraw from my account either if my account was under verification, and if they did, they should be able to refund the amounts on request. I question the legitimacy of their practice that when an account is pending verification, they can take the money out of that account but will not refund it under the same status even if those charges are unauthorized and fraudulent. 

Following XXXX charges are unauthorized ; XXXX/XXXX/XXXX {$10.00} MERCHANT PAYMENT PAYPAL XXXX - XXXX XXXX XXXX/XXXX/XXXX {$10.00} MERCHANT PAYMENT PAYPAL XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$2.00} MERCHANT PAYMENT PAYPAL XXXX - XXXX XXXX/XXXX/XXXX {$2.00} MERCHANT PAYMENT PAYPAL XXXX - XXXX Following charge was authorized, taken from my bank account, but never paid to vendor nor Paypal will refund it to me : XXXX/XXXX/XXXX {$7.00} MERCHANT PAYMENT PAYPAL *XXXX -

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
I 've been attempting to file a debit card dispute today, XX/XX/XXXX, with Paypal for a transaction on XX/XX/XXXX to XXXX of XXXX for XXXX. However, despite numerous calls to several different numbers to Paypal, quoted a hold time of well over a hour, I have been unable to place transaction in dispute. Ive even requested to be transferred to a U.S. based rep, either told call can not be transferred or put on hold with no answer, was on hold for well over half hour.. Later told hold time ( s ) are over one hour on several additional call backs ... This transaction can not be placed in dispute via their site as it is a debit card transaction or else I would have done so. Please advise Paypal I will not be making any further calls as I have wasted several hours on calls to numerous different numbers, even several to their corporate office line. The transaction is a deposit in the amount of XXXX for a special ordered vehicle, the bank was unable to approve full financing of vehicle and refund of deposit appears to have been refused by merchant. I emailed my sales rep and have not heard back in re as of yet. I wanted to place a dispute but again, have been unable to due to extremely poor service mentioned above. As a resolution I might suggest simply crediting the account the XXXX and or placing the dispute with information provided above as again, I will NOT make any additional calls in about this as Ive made good faith attempts and gotten nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Credit Service, Inc.
State: CT

Complaint narrative:
I received a letter of a debt in which I have NEVER had. I called and asked for supporting documentation and they stated that it was a debt from 1999 and if I did not dispute then that there is nothing that I can do now. I explained that I NEVER had the account how could I dispute it. Would not let me complete a sentence, stating I was yelling which I did because she was extremely rude and would not let me finish a sentence. Talked over me the whole time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CJA Auto Sales, Inc.
State: AZ

Complaint narrative:
I purchased a XXXX Cadillac CTS on XXXX XXXX, XXXX with my daughter. On XXXX XXXX, my daughter made the first payment of {$200.00} by money order. On XXXX XXXX, XXXX, the collections manager began calling and stating that the account was past due. I disputed his statement by stating that the first payment was made in full. On XXXX XXXX, XXXX, the collections manager called again and stated that if the account was not brought current that he could " not secure the loan. '' I again told him that the first payment was made in full by money order. The collections manager repeatedly argued with me and stated again that he could " not secure the loan. '' On XXXX XXXX, XXXX, when I exited my workplace at XXXX, the vehicle was not in the parking lot where I left it. I immediately called the collections department at XXXX XXXX and the party who answered hung up on me. I called back a second time and my call went to voice mail. I presumed the vehicle had been ordered repossessed by the collections manager who argued with me on the week before. After filing my complaint with the Arizona Department of Financial Institutions referred to as AZDFI by XXXX, I was provided a copy of my account history. The record indicated that I did make my first payment by money order # XXXX in the amount of {$200.00}. However, the employee who accepted the payment recorded it as {$87.00} leaving a balance of {$110.00} on the account. The incorrect entry upon my account made the account appear delinquent when it was not. My vehicle was ordered repossessed even though my account was not delinquent. The owner of the company, XXXX XXXX, conspired along with his collection manager to endorse their illegal actions as a valid repossession. The company also retaliated against me and my daughter by reporting the false information to the credit bureaus in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: PA

Complaint narrative:
The debt was paid through medical coverage!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13 00:00:00
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal insists on charging their exchange rate when I make a purchase, and makes it difficult if not impossible to opt to be charged in local currency. I have a US credit card that offers me the spot exchange rate for foreign currency transactions so obviously I choose to be charged in foreign currency instead of having PayPal opportunistically give me their above-market rate. Please force them to at least offer the option of being charged in local currency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
I recieved a call from a girl named XXXX. XXXX Company is : Central Portfolio Control XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, MN XXXX TEL : ( XXXX ) XXXX FAX : ( XXXX ) XXXX Advised that she is a " licensed debt collector ''. Stated I owed over {$500.00} to a XXXX I opened up back in XX/XX/XXXX and closed it XX/XX/XXXX. I asked for the CC company 's name and she would not give it to me. I then asked for more information to verify if I actually owed money but she became aggressive and insulting. The call ended quickly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 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: LA

Complaint narrative:
Threatened me by stating they were going to place a judgment, garnish wages, and freeze my account on me for a credit card from 2001 if I did not pay off. They had incorrect information about me this is not my account and even if it were they are not within the statutes of limitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANCORPSOUTH BANK
State: MS

Complaint narrative:
BancorpSouth charged a debit to my account that I did not authorize. I was charged a {$36.00} Insufficient fund fee from BancorpSouth for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Brown and Joseph, Ltd
State: PA

Complaint narrative:
I run an XXXX in XXXX, XXXX My former accountant sent XXXX XXXX XXXX letter wishing to cancel service and then switched our phones to XXXX XXXX I received a bill from XXXX XXXX XXXX XXXX, LTD. Direct number is XXXX ext XXXX. I have told her we canceled repeatedly, however she says we did n't do it properly so we owe. I have told her I am having an attorney review the file. She called today XXXX times and is being incredibly rude to my staff, who have nothing to do with this debt. She has threatened me by stating if she wants me to stop contacting my staff then I need to give her my attorney 's name, via email that I have. I want this to stop. This is a ridiculous debt that is trying o be collected from me. The only signed contract we have is from XXXX that states after a XXXX year period then it restarts another XXXX year period. That 's XXXX. In XXXX we switched to a different phone carrier and our contract should have been cancelled. 

I do n't know what to do and would ask for any help you can provide. I want her to stop calling my staff and if she needs to communicate with me she can via certified mail. 

Please help. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Continental Credit Control
State: CA

Complaint narrative:
Good afternoon, Continental Credit is currently reporting the collection of an account that I have no knowledge of. I have called and provided all of my personal information in an effort to understand why/how I 'm responsible to no avail. I am currently going through law enforcement background check and fear that this collection error will smear my character. I kindly ask that this matter is quickly addressed. 

thank you, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
This account is not mine and does not belong to me. This company bought this debt and wants me to pay on something that is not mine. I have reported this to all XXXX credit bureaus and they will not re-dispute it. Stating that the company verified it belongs to me but this company has not given proof.

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 2016-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Mandarich Law Group, LLP
State: MO

Complaint narrative:
Received demand letter from law firm stating I owe them XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
XXXX I have never done business with FEDERAL ADJUSTMENT BUREAU COMPANY there is a account entry # XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt. I failed to see anywhere that FABCO is in compliance with 1319.12 ( O.R.C. ) Taking Assignment of Debt!

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 2016-09-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: MO

Complaint narrative:
CREDIT REPORTS SHOWING A 30 DAY LATE XXXX 2015. WHEN I PURCHASED CAR, WE WERE GIVEN A 0 % INTEREST FOR 75 MONTHS AND FIRST PAYMENT DUE IN 90 DAYS. WE TALKED OF THIS VERBALLY. BECAUSE IT WAS NOT WRITTEN IN CONTRACT THEY DID NOT HONOR THE 90 DAY NO PAYMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: VA

Complaint narrative:
The lease was overpaid by one month and I contacted Ford Credit to find out if I was to be reimbursed. I called both the dealership to which I returned the F-150 as well as Ford Credit on multiple occasions and was told that paperwork needed to be submitted by the dealership in order to process the lease termination. According to Ford Credit I could not be given a reimbursement for overpayment until the lease was finalized. I waited several months to receive any reimbursement. Last month I received a check from Ford Credit, minus {$75.00} for wear and tear costs. I had purchased {$3500.00} of wear and tear protection for the leased vehicle, which Ford Credit acknowledged was in my account information. However, they said that the dealership needed to sign paperwork for the wear and tear protection to be applied. Any time I speak to Ford Credit I am told I need to contact the dealership and when I speak to the dealership I am told I need to contact Ford Credit. Ford Credit does not seem capable of resolving issues or even providing useful information to the customer.

Company response to consumer: Closed with explanation