vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc.
State: MD

Complaint narrative:
I have never used XXXX. The debt was supposedly made for XXXX dollars in 2011 by my ex wife who denies using XXXX. The XXXX company is for kids and we did not utilyze their services at the time. I am not liable for this debt and my XXXX insurance XXXX XXXX did not receive a claim for this service.

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: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: ND

Complaint narrative:
Received a call from XXXX at XXXX on XXXX/XXXX/2015. The man on the phone kept asking for personal information, but when I asked him any questions he would only state that it was a personal business matter and could not provide any information until I verified my identity. I hung up on him without getting his name unfortunately. Today ( XXXX/XXXX/2015 ) I got another call from the same number. This time I made sure to get the woman 's name : " XXXX ''. She kept asking me to verify my information, and I kept refusing to verify any information until she told me the name of her company. She said it was " IC Systems ''. I asked for the company 's mailing address and she refused to provide it ( like actually refused! ) unless I would verify my identity. I could n't believe it and incredulously asked if she was really refusing to give me their address so I could send a cease and desist letter. At that point she said she was terminating the call and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
Flagstar Bank has sent XXXX letters demanding that I provide a proof of policy for hazard insurance. I spoke with them after the first letter, and indicated that the insurance had been renewed and they spoke with the insurance company. I was told all is fine. Now, weeks later I receive a demand for insurance or to pay {$6300.00}. The insurance on the property has never lapsed, never been in danger of lapsing, and they have been provided all normal documentation by my insurance company, and they have spoken with them!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc

Complaint narrative:
I sell XXXX online for payment with paypal. I follow strict customerId and XXXX procedures. I had a customer buying large amounts of XXXX from XXXX through XXXX 2015. 
We collected multiple selfie with id pictures. This customer claimed on XXXX XXXX that her identity was stolen. She made a claim to paypal that her identity was stolen and after looking at all the customer identification, and her ip address, and useragent all matched her pc and iphone, PayPal determined there was near XXXX probability that her identity had been stolen. PayPal initialy refused the claim of unauthorized transactions. 

After a week though, paypal now claims that her bank did reversalson all {$1800.00} that she spent. PayPal want me to pay this. 

I have asked PayPal for futher information to assist with filing a police report but paypal wo n't provide any. I do n't think I should have to pay paypalback if they wo n't provide further information for me to provide to law enforcement agencies. 

Paypal says that I 'm not protected because XXXX is not physical goods, but it is also not the same as music, videos, or software. If the product is stolen, I amout nearly 100 % of the cost unlike music, videos, or software that are only copies. 

Also every single sale was sold using XXXX which DOES PROVIDE TRACKING and proof that the customer recieved the merchandise. Yes, the seller should be liable under some circumstances, but I feel given the massive evidence of fraud on the customer 's part here that paypal should do something more.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-18 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Paypal Holdings, Inc
State: RI

Complaint narrative:
On XX/XX/2017, I went to XXXX to purchase a blender. XXXX offers the option of utilizing Paypal creditl to purchase the blender interest free for 12-18 months. I applied for credit and was provided a {$3000.00} credit limit, way more than I needed. I attempted to purchase the blender and received an error. I called Paypal and talked to Security so they could verify my identity. Upon completing XXXX questions, I was told by Security that I was all set. If I have any other issues it is Paypal proper and not them because they have their own process. Again, I attempted to purchase the blender and even though I chose to use my Paypal credit account the purchase would not go through. I contacted Paypal again and was told that for security reasons, I could not use that credit until I had made other smaller purchases. Purchasing the XXXX would only utilize XXXX % of my credit line which is not a lot. Also, in the Terms and on my available credit it does not say that the whole credit line may not be available to me. I can only assume that they were trying to force me to make interest bearing payments. I asked to speak with a manager and was left on hold for 40 mins before I hung up. On XX/XX/XXXX, I again tried to understand why I could not make the purchase. After talking to XXXX different people, including XXXX managers, no insight was given and I was told I would have to use an alternative payment method. The last person I spoke to was a manager. I explained the issue and told him I thought this was deceptive as I believed they wanted me to make interest bearing purchases before using my interest free credit. I asked for my account to be closed and my information to be deleted. He responded by hanging up on me. I then tried to contact their privacy department to ask for my information to be deleted and was not provided an easy mechanism to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-29 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: MOHELA
State: MO

Complaint narrative:
I send my payment on time every month for 18 months and I have never received a statement or anything from them. I have no way of knowing if my payments are even being applied against my huge {$50000.00} balance. When I call them they say they do n't know the balance or payment information and they will have to contact the credit bureau for my balance. What are they doing with my payments? Why ca n't I access my account online to view my payments and statement information. They have never sent me anything and know nothing when I call. This seems very fraudulent to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I have been receiving unwanted calls from IC Systems Collection Agency to my personal Cell phone number and family members cell phone numbers and I would like them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 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:
Complaint against PayPal Synopsis : PayPal unfairly locked my account and held my account balance for more than 180 days before I was ablet to access it. Even after providing all the information requested, the account has not be restored for full access. Account continues to be limited and useless to me. I am not even being allowed to close my account ( I do not want my credit card and bank account information to continue to be saved on their website )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclaycard Bank just closed XXXX of my credit cards for no reason. I had accumulated rewards with them through spending and now it 's all gone. Specifically, I had a Barclay Arrivals card where I was supposed to get travel rewards and a Choice Privileges card where I was supposed to get a XXXX bonus points on {$10000.00} annual spending per year.

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 monetary relief
Consumer complaint received 2016-06-23 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Walmart was advertising a {$25.00} credit on a new card account if the customer bought so much in merchandise. The promotion read something like, " Open an account today and get a {$25.00} credit when you purchase {$50.00} or more. ". As it turns out the customer only gets the {$25.00} if he makes the purchase that same day. If I had known that I would have waited until I was ready to buy. After XXXX statements and about {$1000.00} spent, I contact Walmart to ask where my credit is and I get the " gotcha '' news.

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 monetary relief
Consumer complaint received 2015-06-25 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Rooms to Go closed the account many years ago and submitted it to XXXX XXXX for collection. This debt was disputed and the amount owed. XXXX continues to report it every year to keep it open on my credit report and I have never received a copy of the orginal paperwork as requested from Rooms to Go. Rooms to Go is reporting it as well as XXXX. So I have XXXX companies reporting the same debt each with different amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Certainly, I got a letter from XXXX that I owed {$6200.00} to SYNCHRONY BANK, I have never heard that name. Letter mentioned that I have " R '' XXXX but I have never applied " R '' XXXX or had it.

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 2016-02-01 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Oliver Adjustment Co.
State: FL

Complaint narrative:
OAC is contacting me about a fraudulent account that I have told them was fraud, they are now reporting the info to my XXXX report that is a result of id theft in violation of FCRA Section 605b.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-11-08 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Recently I had filed a complaint with your agency against Synchrony Bank XXXX regarding a {$25.00} Fee along with Interest charges applied XXXX my account for the XXXX Payment Method which according XXXX all of these Shop @ Home TV Programs are interest free & I believe I was Correct because Synchrony Credited back XXXX my XXXX Account all of the interest charges.So I decided XXXX check My Synchrony /XXXX or XXXX Acct and low and behold over {$450.00} in interest charges have been applied XXXX my account even though XXXX States on their program XXXX is Interest Free.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-28 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I have an account with synchrony bank for my XXXX account all of my previous purchases had promotional periods on the last one I had paid off the promotional payment, synchrony used a portion of that to apply it to my payment that month, I did not realize what they had done and did not make a payment, then I realized they were charging me a huge amount of money in interest I called then they put some of the money back but not all of it and they refused to fix the last amount and are still charging me interest.

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 monetary relief
Consumer complaint received 2015-08-24 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: Seattle Service Bureau, Inc
State: MD

Complaint narrative:
There is a collection notice from the National Services Bureau XXXX Inc. on my XXXX report for a sum of {$86.00} on XXXX/XXXX/XXXX. I called both XXXX and the National Services Collection Agency to inquire about this. The XXXX agency referred me to the National Services Agency and they said it was related to an unpaid bill of {$86.00} to a XXXX XXXX XXXX, PA in XXXX. I called the National Services agency and they told me that something looked wrong and they would get back with me, they never did even after I followed up with an email. I have not lived in XXXX XXXX, PA since XXXX XXXX. I never took any animal to this XXXX after moving to XXXX, Maryland. I also never received any bills, statements or collection notices prior to this notice on my Credit Report. If not for XXXX XXXX, I would not have known it was even on my report. I want to lodge a formal dispute on this collections agency. Thanks, XXXX XXXX Here 's the excerpt from the report : hese are the collections accounts that are reported as open on your credit report : Agency Open XXXX BalanceNATIONAL SER {$860.00} account reported on XXXX XXXX, XXXX OpenAccount # XXXX $ XXXX XXXX INOriginal Creditor $ XXXX BalanceJul XXXX, XXXX DateJun XXXX, XXXX ReportedJointResponsibilityPlaced for collectionRemarksNote

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
We have a PayPal Extra Mastercard through Synchrony Bank formerly GE Capital. Evidently General Electric does n't want people to know they run and operation like this with PayPal. We are forced to pay the bill on this card through Paypal or by phone. Neither methods are reliable. 
PayPal and Synchrony Banks phone line are broken more than 50 % of the time. Today I was on the phone for XXXX minutes as I tried to pay my bill. Every time I pressed the keys or spoke my request the tape loop just repeated itself. This happens at least 50 % of the time when I call. I do n't know if this is a game they play so you are forced to use PayPay, but it is ridiculous and should be illegal. 
I called Synchronicity 's helpline and got someone whom I could barely understand. I was transferred to a supervisor -- really a henchman whose job it was not to help me but make the situation even more upsetting. He was rude and arrogant and gave me nothing but excuses. When I told him I was n't interested in hearing excuses for their phone billing service being broken all the time and charging me XXXX dollars to take my payment with a representative -- who is in some foreign country and I am forced to give my checking account information -- he got nasty. 
Unacceptable that these banks and financial companies like PayPal treat their customers like garbage. They offer no service. Talking to someone who is reading from a script in XXXX is not service. Then being transferred to some bully who is paid to abuse customers is unacceptable. I was so angry I said a few choice word and hung up without paying my bill yet again. PayPal and Synchronicity must be forced to provide service. We should not be FORCED to use paypal or the phone to pay. When neither is reliable and more often than not BROKEN. 
I have tried paying by mail with this bank -- mailing my bill in plenty of time -- and they play games with that as well. Saying it was n't processed until it was late even though it got there in plenty of time. 
Please investigate these XXXX companies. They are both criminal. That this goes on in the US is unbelievable. When we got this card six years ago we spoke to intelligent people who could actually help us. This is not longer the case. I have wasted hours of my time trying to pay this bill just today. And it happens over and over again!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-05 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I called in XXXX/XXXX/16 and settled my account for {$450.00} I was told fees would be adjusted within 48 hours and I would have zero balance. I even said in my payment authorization that I only approve payment with XXXX balance she confirmed and took payment I have the recording as well. They then left fees continue to charge interest and report my credit. To this day its on my credit. I want this removed from my credit entirely or I will sure for inaccurate credit reporting and damages. My account was paid and settled I want it closed like promised and removed from my credit immediately.

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 monetary relief
Consumer complaint received 2016-08-22 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I called my credit card company to request a letter confirming a transaction ( {$6500.00} on XXXX/XXXX/2015 ). I needed this because of a dispute with XXXX regarding a hospital bill I had paid. The representative seemed very confused by my simple request but eventually said that he would " submit a ticket ' for the request. When I had not received anything after 2 weeks, I called once again and asked to speak to a manager. I explained again what I needed and the importance of getting my request completed in a timely manner and was told that the ticket had been sent to the wrong department and that a letter had been sent to me to say that I would have to pay {$5.00} for the research and that the research could n't begin until I had received the letter and called them to confirm that I would pay for the research. I never did receive this letter ( or any other communication regarding my request from them ). 
It has been over a month and they are unable or unwilling to help me with this request. In addition, they were dishonest in informing me that they had sent a letter to me. 
I am now in a situation where despite providing my credit card statement and a hospital statement showing that I made the payment I can not get this resolved until I receive the transaction verification from my credit card company.

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 2015-11-04 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Atkins & Ogle Law Offices, LC
State: WV

Complaint narrative:
Havent been informed that this debt was still owed. Last comminication I had with company was in 2008 by court paper that stated withdraw motion due to expire. I took that to mean they were not pursuing the debt anymore. Now 8 years later my emploer is garnishing my wages for the amount of original loan plus 8 years of interest. My permanent address is my mothers. Not sure why after all these years something wasnt sent. I have an additional {$3500.00} added to loan to repay. Why was I not informed? It 's like they sat on this debt and let interest build up until statute of limitations were about ready to expire then decided they wanted their money. I would have had this debt paid off years ago if I had known I still owed it. Just unfair. Should have been notified of this years ago!!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
a collection account with lowes got sold to XXXX and i end up with the same account XXXX in my credit report, the XXXX account was settle and paid and XXXX told me that lowes should delete this account from the bureaus files.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Everyday XXXX5x daily Barclays Bank calls for a debt I do not have ( XXXX XXXX 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 monetary relief
Consumer complaint received 2017-01-19 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This card issuer is reporting that I had an account with them over seven years ago, that it long ago sold off the debt, that it has no information on the account. Then I wrote the creditor a letter asking for proof of what they were reporting and nothing was provided. Then I disputed the debt with all three credit reporting agencies to whom the card issuer reports and the card issuer stated that the information was reporting correctly. The creditor did not even mark the debt as 'disputed ' as required by the FCRA . It is a violation of California 's Rosenthal Act to verify something as correct as appearing in the credit bureaus unless the creditor has some documentation to back up what it is reporting.

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