vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: United Resource Systems, Inc
State: FL

Complaint narrative:
I have contacted this company United Resource Systems Account # XXXX a Debt collector To remove the COMMENT on credit report ( Account information disputed by consumer ) They do n't want XXXX to remove that comment even though the investigation is 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 2016-07-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANCORPSOUTH BANK
State: MS

Complaint narrative:
On XXXX XXXX we received a letter from BancorpSouth stating that our loan will mature on XXXX and that they will not renew the loan. They are requesting payment in full for the balance of the loan by XXXX ( {$150000.00} ). We would not be able to do this. Our copy of the loan shows the maturity date to be XXXX and the loan number on our copy is difference from the XXXX on the letter we received. 
This loan is for XXXX commercial buildings in XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
I have my car loan with Ford Credit. My account number XXXX. On XXXX/XXXX/XXXX, I went on line to make my XX/XX/XXXX payment but the on line payment screen indicated my account was current and my next payment due date was XXXX/XXXX/XXXX. I have attached a copy of the screen shot for your reference. As a result, I did not remit my XX/XX/XXXX payment. Again, the on line screen showed that my account was current and a payment was not due. I thought that either Ford was offering some type of skip a payment since my due date was showing as XXXX/XXXX/XXXX or that since I had been making payments every two weeks ( 1/2 total payment paid every two weeks ) that my loan was truly paid current. Just recently, I received a letter from Ford advising that my account was past due. I contacted Ford today, XXXX/XXXX/XXXX, to ask how my account was now showing past due if on XXXX/XXXX/XXXX my account was showing current. Please note my payment is due on the XXXX of each month. The customer service representative told me she did not know why the on line screen would have showed that my payment was current and that I owed the XX/XX/XXXX payment immediately. I asked to speak to her supervisor who told me the same thing. The supervisor also told me that I was the only one who had called to report this type of issue. He implied that what I was telling them was not true ; however, please refer to the screen shot I have attached. I asked if they would allow me some extra time to remit the XX/XX/XXXX payment as the XX/XX/XXXX payment was due next week. I was told I must make the payment immediately XXXX no later than XXXX/XXXX/XXXX ) or they would report the payment past due to the credit bureau. Ford Credit completely disregarded my concern and made no exceptions for me even though they clearly made an error. It is clear that Ford Credit 's on line payment system was incorrect. I do not agree, nor do I think it is fair, for Ford Credit not to work with me to allow me extra time to make my XX/XX/XXXX payment ( without reporting my XX/XX/XXXX payment as late ). Their customer service is inadequate and they failed to " resolve '' my issue. I reported an error to them over the phone today, and I am now reporting a notice of error that I expect to be resolved. Just stating that no one else has reported this issue and demanding I make the payment immediately does not constitute resolution. Ford Credit can not display incorrect information on their on line system and expect their customers not to voice a concern or ask for an exception due to their error. This seems to be an unfair and deceptive practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Midwest Service Bureau, Inc.
State: KS

Complaint narrative:
XXXX, XXXX, called my Cell phone, ( no permission given to call cell ) from a blocked number. Showing as " Unavailable ''. Then I said I was still in the 30 day dispute stage and told her the dispute was miscoded insurance claim. she informed me that " you know you owe it. '' Repeated asked from my credit card information, even though I had no verification it was even the collection agency. Then she told me I had the XXXX from XXXX for over a month. ( misrepresentation ). I told her I guarantee you I have not. please verify the date. Then she called me a long time collection problem. How would she know? did she pull my Credit Bureau? or was she just making false statements.

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 2016-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: FORD MOTOR CREDIT CO.
State: NC

Complaint narrative:
My husband and I purchase a vehicle finance by Ford Motor Credit in XX/XX/XXXX the vehicle was repossessed by Ford in XX/XX/XXXX for non payment at the time my daughter was ill and because of the care and treatment for her we were not able to meet our obligations for paying the vehicle on time as such we fell behind on payments and the vehicle was taken we were not able to meet the back payment to get the vehicle back the vehicle was sold for {$6000.00} at the time we were balance on the loan XXXX. Ford sent a letter to collect the balance of over {$6000.00} which we were not able to pay. The account was taken over to collection agency which filed a judgement against us in XX/XX/XXXX the first judgement lasted 10 yrs and was again renewed for another 10yrs in XX/XX/XXXX, as a result of the judgement and the repossession we have been unable to finance anything on credit at normal interest rate we have since been able to finance vehicle at buy here pay here and the interest rate as high as 30 percent. We have suffered the shame of having the vehicle repossessed and our credit ruined for the last 11 years. This past week we receive a execution order from our local sherif office to seize our assets when I contacted the office I was advice t make arrangement can be make payment on the debt my husband and I are unable to take on any more expenses we are still recovering from debt of hospitalization of my daughter, my husband loosing his job in XX/XX/XXXX I do n't understand how Ford Motor Company was provided federal bail out at the financial crisis but someone like my husband and I can not be forgiven for this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Stallings Financial Group, Inc.
State: GA

Complaint narrative:
Apparently I owed a medical debt that just popped up on my credit report. The debt was for {$130.00}. It dropped my score dramatically, I contacted the collections agency and the debt was paid but they stated they do not remove items from credit reports. I did not receive proper notification that this debt was going into collections or that I owed any money. No one called or sent anything in the mail to let me know I had a debt to be paid. I just happened to check my credit report and noticed it there. Can you please help me get this removed? I am trying to purchase a home for my family and this is effecting my ability to be approved at this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Central Portfolio Control Inc.
State: IA

Complaint narrative:
I was called back in XXXX about a debt that I supposedly own by central portfolio control. The caller left a message but did n't state what the debt was, who I owed the debt too, and then failed to send a letter of verification of said debt after 5 days of first initial contact. Central portfolio control then called Monday XXXX XXXX and still did not tell me they were a debt collector or the debt they were trying to collect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Financial Credit Service, Inc.
State: SD

Complaint narrative:
Received call from Asset Recovery Associates XXXX XXXX stating that I owed a debt and legal action will be taken if I do not pay over {$1000.00} by the end of the day. When requested written proof of debt collector XXXX XXXX asked for mailing address which was given. Called back XXXX/XXXX/16 to let know that written letter was not received. Collector XXXX XXXX stated that letter would not continue to be sent. When asked when letter was mailed and if it was certified collector stated that would put down that I was refusing to pay and legal action would be taken. When asked if a certified letter would be sent agent hung up the phone on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
XXXX XXXX - Purchased XXXX items from XXXX sellers on Ebay. Checkout with Paypal funded thru Paypal Credit. Only XXXX item crossed out of cart, but received email payment confirmation from Paypal. 
XXXX XXXX - Received Unpaid item notice from Ebay. Contacted Ebay and told the issue was with Paypal. Transferred to Paypal and informed there was a " known issue ''. Assured payments were made and situation would be resolved. 
XXXX XXXX - Items remained in Ebay cart. Contacted some sellers, but Ebay limits number of emails. They have no record of transactions. Called Ebay. Told to have 3 way conversation with Paypal, but Paypal must initiate, so transferred and lft on hold for nearly 2 hours until phone battery died. Attempted email contact with Paypal. Asked them to either verify that the transactions had gone thru and the goods would ship, or refund the {$460.00} back to the credit account so that I might be able to pay off the balance and close the account. Received moronic replies. 
XXXX XXXX - Contacted Paypal after receiving emails from several sellers stating that they had no record of any transaction. Polite CSR, but essentially no help. I can not get my funds back without waiting for the merchandise that is not going to arrive to not arrive and then file a dispute and then wait for that. If I needed my merchandise before that lengthy process, I would have to reorder it and take the risk of receiving XXXX items and being responsible to ship the items back at my own cost. I inform him that I will try again with the sellers to resolve. 
XXXX XXXX - Back on the problem when I detect that Paypal has removed {$54.00} from my personal bank account for one of the sellers that I had been so reassured had been paid thru Paypal credit. This charge does not show up on my paypal account so I again contact Paypal and inform them that I have a serious problem and I need the account ( s ) resolved and closed immediately as funds are disappearing from my bank account without authorization. I was placed on hold for about 20 minutes until the line disconnected. 
Now I am begging for help. Paypal and Ebay have made a huge mess and they blame each other and neither will clean it up while they both have access to my bank accounts and credit cards and I can not get away from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: CA

Complaint narrative:
Hello, My wife and I called XXXX XXXX to get an estimate on how much money it would cost us to file our taxes. They said we would have to come into the office and bring our documents for them to see to give us the estimate. When we arrived at their office XXXX XXXX said that our initial consultation was free and they would start charging once the work started. At that time we asked XXXX what the next step was, and we were informed that we needed to pay {$75.00} for a power of attorney so they could access our paperwork. XXXX took longer than what seemed necessary to get the form entered on the screen and we questioned her if she needed help entering the info on the screen. We assisted her with the information repeatedly to get it all entered, and finally got everything entered. Unfortunately we felt that after this process that possibly XXXX may have some difficulty doing her job, and did n't feel confident in using the firm. We called her secretary following this appointment to discuss whether XXXX is having cognitive or senility difficulties. The secretary asked us if we were going to continue to use their firm, and I said no. We expected to get the bill for the {$75.00} for the power of Attorney, but when the bill came in the mail it was for {$890.00}. 
I feel this is a gross misuse of billing. I was told the estimate for the work was free. Than XXXX took a long time talking about her other clients and what she does for them, giving examples of what she has done for them. It looks like they are charging us for listening to her long drawn out sales pitch. I am only willing to pay the {$75.00} that we agreed to pay for the Power of Attorney for to be submitted online. This we already consider a loss based on the fact that we did not feel comfortable to have them actually do our work. I contacted them to complain about the bill, and they said they are charging me for the time. I said " What time '' I was told free estimate and {$75.00} for the power of attorney. I also said " You did n't do anything for us to justify charging us {$890.00}. Are you you trying to take advantage of us? ". They refused to hear our opinion, and now we have a second bill from them through a Bill collector called IC System. This is completely unfair.

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 2017-01-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
I would like clarification on the rules governing escrow funds being held and analized by a mortgage company. I recently built a new home. This is my XXXX new home build so I am aware that sometimes the tax assessors office will not have up to date information with the improved value of the home and will only show the land value. In the past I have called the bank after receiving a new escrow analysis in the mail and advised them of this and they would adjust my escrow back up to where it should be. I called this time and they said they could not do it. As someone who used to work at processing foreclosures I saw too many people go into foreclosure because of this very same issue and them not understanding the problem. The mortgage company said they could only take the current tax value assesment due to the RESPA regulations. Is this correct? If so this does not protect consumers in any way. In fact will hurt those who do n't completely understand the escrow portion of their payment.

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 2015-04-17 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Account Management Services, Inc.
State: CA

Complaint narrative:
This account was paid by the California state Victums fund. I was the victum of XXXX and was told by the doctor they where billing the fund. I have disputed the item and no proof sent to me it is a total scam but his collection agency who muscles XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.C. System, Inc.
State: OK

Complaint narrative:
On XXXX XXXX at roughly XXXX XXXX I was contacted at work by XXXX from a company called IC Systems. She gave a total sum of {$650.00} that she claimed I owed on an Account number ; however when I asked what the debt pertained to and requested her agency to send verification of debt from original creditor she refused to comply saying all debt is digitally submitted and she did not have that information. Then countered that I could pay {$470.00} to her agency between now and Friday or they would take further action. She gave contact info as XXXX ext XXXX. As i continued to try and verify information about her collection attempts I was told to submit payment to an address in XXXX ; XXXX XXXX, Minnesota

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I had someone buy a tee shirt from my shop in XXXX. The shirt she wanted was backordered. She filed a dispute with PayPal on XXXX stating that she had not received her item. They emailed me stating that I should communicate with the customer about the status of the item. I emailed her on XXXX stating that the item had been back ordered and that I had followed up with the merchant to put a rush on it. Paypal sent me a dispute resolution link to provide them with tracking information, proof that I had refunded the customer or proof that the customer had received the item. Those are the only XXXX options on this page. There was no tracking information at that time because it was back ordered. PayPal closed the case and told me that when the case was close I might not get my money back even though I could now provide them with the information they needed. 

The customer is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX United States XXXX XXXXXXXXXXXX her transaction amount was XXXX paid to my PayPal account XXXXXXXXXXXX on XXXX/XXXX/2015 and refunded to her by PayPal on XXXX/XXXX/15. The tracking number for her shirt is XXXX via at USPS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-23 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: OR

Complaint narrative:
I lifted the freeze on my credit for a period of 48 hours, during which time IC Systems, who has been trolling my credit by making repeated soft inquiries, placed a collection that has already been resolved and was the result of Identity Theft. 

IC Systems has placed a collection on my credit file for XXXX. This account was fraudulently opened by an individual, XXXX XXXX XXXX SSN XXXX. 

Previous attempts to collect this account were removed from my credit file you XXXX, XXXX and XXXX by disputes with them and through CPFB, XXXX, removed XX/XX/2016 XXXX, removed XX/XX/2016 XXXX, removed XX/XX/2016 IC Systems has been physing my credit file, making repeated soft iquiries through the reporting bureaus. This account is fraudulent and is the result of identity theft and use of my identity to obtain services. 

IC Systems had damaged my credit by attempting to collect a debt that has already been deemed fraudulent, they have damaged my credit score and damaged my good credit rating which has refuted in a credit score drop of XXXX points.

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 2015-05-28 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I previously submitted comp. # XXXX regarding a so-called PayPal Credit account, # XXXX XXXX XXXX XXXX, that I had no intention of opening in the XXXX place and find impossible to cancel though I 've sent multiple letters and email requesting closure. The original charge was for {$38.00}. I sent them a check # XXXX on XXXX for that amount along with a request to cancel. No response other than computer generated bills spitting out and now a whopping {$130.00}. I just paid them that amount on the advice of counsel to avoid further damage to my credit rating. They give " gotcha '' and " scam '' a bad reputation.

Company response to consumer: Closed with explanation