vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-01 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
Today XXXX/XXXX/2016 at XXXX XXXX XXXX from Ace cash express called my place of work and told my CSR that I needed to come in and pay on my loan I had with them. I got the message and was embarraseed that my personal business was told to my work associate. I thought that the FDCPA protected consumers like myself from issues like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: NY

Complaint narrative:
Global Client Solutions through XXXX XXXX XXXX contacted me last XXXX XXXX 2015 XXXX offering to settle my credit card debts of about {$18000.00} for a total of about {$12000.00} and a fee of {$900.00} for GCSXXXX. The amount I would have to pay them monthly for 20 months was {$630.00} which was to be deducted directly from my checking account on the XXXX of each month starting on XXXX XXXX, 2015. ( I realize that the total for 20 months would have come to over {$15000.00} and I do n't know why I did n't note this discrepancy earlier. ) They told me that my credit score ( then in the XXXX 's ) would take a hit for a few months. I agreed to these terms and immediately gave them over the phone the credit card names and numbers and the amounts owed to each credit card. They told me not to discuss anything with the card companies if they called but to refer the companies to GCS as representing me. They gave me the name and number of a " customer care person '' in XXXX, NJ and said to contact her with any questions. 

From that point on I simply did not answer the phone when I could see that it was from any source I did not know. I told the customer care person I was doing that. She said that was fine but I should fax or mail to her each regular mail communication I received from the card companies and not respond to the companies at all. I have sent her by regular mail every such communication I have received from those companies for the past six months or so as well as XXXX I received from a debt collection company, XXXX XXXX XXXX XXXX XXXX early this month. 

I have talked by phone with that customer care person several times over these six months and have asked for an accounting of what has happened to the moneys withdrawn from my checking account, totaling now {$3800.00}. She has said that GCS has to wait for the card companies to get anxious enough for GCS to be able to get the debt reduced. 

Yesterday I received an email from GCS saying that my monthly account statement is available online. When I tried to access it, I could n't. I called customer care, but the person was n't available. I left a message for her to call me back. She did n't. I looked up GCS on the internet and read all sorts of alarming things. Then I tried to call XXXX XXXX XXXX and speak with the men with whom I had spoken in XXXX. None of them were available and no one called me back. Then I called the debt collection company and settled XXXX of the card debts for 60 % of what the balance was and paid that directly. 

Then I looked up CFPB on the internet. And this is the result. I hope you can help me get back the money paid to GCS since they have done nothing for me. 

Thank you for your existence and for any help you can give me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TN

Complaint narrative:
On XXXX/XXXX/2016 I spoke with a representative who stated that she was going to send the police out to my home, and they told me that I had a class 2 Felony. The representative was yelling and telling me the only way to fix this would be through bankruptcy. They did not start the conversation with say this is an attempt to collect a debt. At first they did n't want to tell me what the debt was for. Then they continued to call me a after I got off the phone with them. I start to receive phone e call from restricted numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: First National Collection Bureau, Inc.
State: FL

Complaint narrative:
this account was stolen 9 years ago and used fraudulently.it was reported to the original creditor XXXX XXXX XXXX. I am not responsible for this charges, I was victim of fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: RFNA, LP
State: AL

Complaint narrative:
In XXXX, I took out an installment loan with Republic Finance in XXXX, Alabama to help build my credit history. I paid the loan on time, except once. The reps called me constantly throughout the day, even at my job. I informed the location manager that I was going to come in to get a payment history printout so that I could pay the loan off because they were being very unprofessional regarding the matter. In XXXX, the manager filed a claim against me in court per se. He even went as far as to send garnishment papers to my employer without a verdict being rendered in court. I made a payment for {$450.00} via money order after that and he did n't even report it to the court. I disputed the matter on my credit and it came back as " satisfied/released '' but, Republic Finance has since placed another delienquent account on my credit for a balance {$200.00} shy of the amount they entered for the court claim. Also, in the court papers, they never reported any of my past payments, they tried to sue me for the full loan. When I went to the location where I got the loan to get a payment history printout, no one would give it to me. The representatives all told me I needed to see the manager XXXX, which was the person that filed the same claim in court against me. Upon meeting with the manager XXXX, he asked me what I needed a payment history printout for and asked was there something I needed explained to me regarding my loan? I do not owe the amount that Republic Finance is claiming that I owe. I was going into the actual location paying with cash and I would recieve receipts on thermal paper from a credit card machine and they have since faded. When I told XXXX, the location manager that I would like to make my future payments via bank draft, he suggested I continue to pay in cash because it posts to my account immediately and that bank drafts can take a few days to clear. This was a red flag for me and is why I made my {$450.00} payment via money order, so I could have proof of payment. If you notice on the court documents, all of the documents that were submitted, when he submitted my account information, there are payments areas blackened out, as well as my account number. I believe they have committed forgery and I would like this matter to be investigated and I would like it removed from my credit report because they have created XXXX separate accounts under my social security number. After the court case was released, Republic Finance went back and opened another account and have been reporting delinquencies on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NM

Complaint narrative:
Ace Cash Express continually takes out money before my payday. Getting very hard to manage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: HireRight Solutions, Inc.
State: AL

Complaint narrative:
accident / incident reported on my transportation Employment History. ( Hireright ) On XXXX/XXXX/2015 a accident was reported upon my history as a preventable Accident. this is untrue i was not at fault for this accident. and the reporting of this accident as preventable is damaging my person as to employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Continental Services Group, Inc. d/b/a ConServe
State: IN

Complaint narrative:
Conserve first contacted me at my place of employment in XXXX 2016. I work in XXXX and can not accept personal phone calls at my desk. I specifically told the person that called that day to NEVER contact me at work again, and that I would get in trouble if they continued to contact me at work. I also gave her my personal phone number for all future contact. Since then, I have filed for a Student Loan Consolidation. Conserve is aware that I have filed for consolidation as they sent me a letter stating they had received a copy of my application from my loan servicer. Nevertheless, they continue to call me daily, and have called at least two more times to my place of employment. ( XXXX and XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
I have a loan with Southern Finance located in XXXX XXXX I have never been over 30 days late on the payment. We advised the manager XXXX and the other worker XXXX that I work overnight. When we were not able to pay on the due date or before they would call that is expected. I have a sleeping issue and I am not able to go back to sleep if I am disturbed so we wrote a letter and she dropped the letter off at the office in the drop box in XXXX prior to us making our XXXX payment XXXX XXXX came due. they started to call. On XXXX XXXX they called my cell phone before XXXX! I was very angry. I got into an argument with my wife about it. But then she told me that she did drop off the letter. She called the office immediately and we spoke to XXXX and XXXX confirmed she got the letter.We also discussed the payment. I have a very XXXX and they woke me up I had less than 5 hours of sleep I cant be doing that. I XXXX. I will honor my bill. sometimes I need to pay late and cant predict the exact day but it will never be over 30 days. I just cant have them calling my cell phone during the day they can call my wife now ... I mean they always could but she just started to work and I need to be late sometimes. but not 30 days she has been upset about this I am not sure of my balance but I will pay it off soon. I just aint have about it. I hurt my hand that day and I just ca n't have someone waking me up I have a harrd time Me and my wife talked about it and decided to have me turn off my phone during the day but that just wont work cause I have drivers that need to be able to get in contact with me by text for emergencies. so I need your help Please let me know what I can do so they wont call my cell phone. anymore sometimes I just got ta get my sleep please let me know thanks you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-27 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NC

Complaint narrative:
I took out a payday loan with Ace Cash months ago. Unfortunately, I experienced some financial hardships and my mother unexpectedly passed away during XXXX 2015. With this being said, I have received multiple harassing and threatening calls from the following agencies : Ace Cash, XXXX and XXXX ( XXXX ). I 've been threatened by way of voicemail : stating that a lawsuit would be filed, a sheriff would come to my home or job, phone calls would be made to my employer to obtain my income and so forth. I have never received any collection correspondence via mail but I do have XXXX saved voicemails in which XXXX different collection agents are threatening me with legal proceedings. The contact numbers for all agencies are the following : XXXX, XXXX, XXXX & XXXX. My XXXX account was charged without my approval for {$60.00} today vs. {$50.00}. When I complained the collection agency threatened me again with legal proceedings. Subsequently, I canceled my debit card and I have filed a dispute with my bank. Rep. XXXX XXXX with XXXX agreed to send me something in writing via email to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc.
State: FL

Complaint narrative:
This account is not owned by me ; I have never had any services from this service provider and therefore owe no balance as stated in my credit files. Please provide me with relevant information that you are using to validate this account such as ID used to open this account ; when and where this account was opened ; signatures etc., so that I may add it to my current and ongoing investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: RevCrest, Inc.
State: CA

Complaint narrative:
I do have a student loan open with XXXX. I am currently repaying my loan on their terms. i received a letter from RevCrest Inc. about two months ago and they stated they were holding my loan. I sent a debt verification letter to them and I have received nothing. This is their second attempt to collect on a loan I do not owe. They are also asking I put my social security number on all documents. I feel this company is fraudulent and a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: WY

Complaint narrative:
My daughter wanted to use my XXXX account to buy some jeans in XXXX 2014. What wound up happening is that the signed her up for a Paypal account in her name, without her consent. They collected her email, phone number, and DOB. They offered her deferred payment and interest. She is XXXX and does not have a job.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc.
State: GA

Complaint narrative:
Money was transferred from my account using Google Wallet. Filed a complaint and request for a refund and was told they will not refund the money. Have not used the service prior to this transaction. Case ID ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I ordered a service from XXXX XXXX, it had created issues with my bank account. I cancelled on the XXXX/XXXX/2015. When checking on my bank account Pay Pal is still attempting to take money from my account which continues to go into the negative {$90.00}. Bank offered me a {$35.00} which is now up to {$90.00}. I spoke with a supervisor at Pay Pal and I was very disappointed with the lack of concern for my account. Continuing to take out money on a cancelled item.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-19 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Google Compare Credit Cards Inc.
State: AZ

Complaint narrative:
Last year I deposited A {$50.00} deposit with google " wallet ''. That whole wallet was closed and I want a refund of the {$50.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 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: MD

Complaint narrative:
Collection agency continues to call, after I have written to them ( 1 ) disputing the debt ( the debt is disputed, and no explanation has been provided, despite repeated requests from me for such explanation ), and ( 2 ) telling them that continued contact was prohibited after such written notice of dispute. They call from XXXX different numbers, to both home and cell phones, 4-5 times per day, every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Mortgage Research Center, LLC
State: MD

Complaint narrative:
Mortgage increased by {$200.00} a month. My county taxes have not increased and company is saying I do n't have enough in escrow. I have not missed any payments and have not been in the home for a year yet.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-04 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
A tenant was attempting to pay rent through the Venmo app. On Thursday XXXX the XXXX, he transferred XXXX {$250.00} payments. I was credited the {$500.00} and after a few days decided to transfer them from the app to my bank account. 

A few days after, the money was still not credited despite being advised that it would take only 2 to 3 business days. When I called to check on the funds, I was notified that the tenant did not have sufficient funds for the transfer to take place, all this after being credited for XXXX separate payments. 

They failed to notify me of the insufficient funds and a today, XXXX the XXXX, I receive a letter stating that I had violated their policy and that my account had been permanently blocked. 

I did nothing wrong, except assume that they had taken out of the tenants account the XXXX {$250.00} payments when they credited my account. 

Because of their carelessness, I am now out on a month 's payment and I action is being taken against me when I pointed out their error. 

They should not have credited my account for XXXX different payments of the tenant could not even afford XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: The Law Offices of Gregory Alexandrides, LLC
State: MD

Complaint narrative:
A lien was placed against my property by the XXXX after they received notice of a bankruptcy filing in XXXX, the amounts in which they have placed an illegal lien was covered in the bankruptcy. The company has refused to communicate or share account information upon request. In addition, I would call XXXX XXXX XXXX they would say, we can not assist you as your account is still with out Debt collectors office. I am refinancing my home and was told of a lien being filed in XXXX, I made multiple attempts to obtains he payoff from XXXXthrough XXXX/XXXX/XXXX until I overheard a conversation stating they were delaying the response to file another lien and to add more money on the pending lien in question. 
XXXX XXXX XXXX office assisted with getting the lien payoff letter and it went from {$630.00} to {$8300.00} from XXXX to XXXX with a per annum of 6 %. Mind you, I filed bankruptcy in XXXX XXXX, discharged XXXX and second discharge XXXX, the same debt collecting co Law offices of Gregory Alexandrides submitted a claim of XXXX to the bankruptcy courts for a lien from XXXX thru XXXX ( was not aware of this lien either ), but within the same allotted time of 3 years of this current lien XXXX through XXXX their is a {$5000.00} excessive fee of charges. Please note the ledger submitted has always been handwritten and very unprofessional which makes it easier to commingle funds and fraudulent activities to be altered. 
My issues is they created a debt by refusing to communicate or share details of the account, secondly, how can a lien of XXXX accumulate XXXX in fees and interest when no notices or information has ever been shared. 
I believe they ( Law Offices of Gregory Alexandrides ) are aware of their unlawful actions and practices and will take advantage of those who they feel do not have a voice or say-so in how things are being done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-04-06 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I recently opened an account with PayPal. I purchased XXXX PayPal " MyCash '' cards ( PPMC ) for {$500.00} each and loaded them to my account in anticipation of making a few purchases on Ebay, the parent company PayPal. PPMCs are sold at various retail establishments, and in my case, I not only was required to show identification when I purchased them, but I also kept all receipts related to such purchase. Via a website that is, upon belief, authorized and/or maintained by PayPal, I loaded the PPMCs to my PayPal account. Because of limitations imposed by PayPal of {$500.00} of loads per day XXXX and {$4000.00} per month ), the XXXX PPMCs I purchases were loaded to my PayPal account over two consecutive days. 
Approximately one day after the second PPMC load ( which was within the guidelines and rules established by PayPal ), I received an email from PayPal that my account was limited due to what was described as " high risk '' activity and that PayPal would be freezing my $ 1K in deposited funds for 180 days in order to make sure there were sufficient funds to cover any payment reversals. 
I telephoned PayPal and spoke to a representative in its " Account Limitations Department, '' and was told essentially the same thing that was related in the email. Although I explained, and the representative conceded, that there were no payments made ( and thus there could not be a basis for any payment reversal ), I was told PayPal would not change its position. I also offered to provide copies of my PPMC receipts and other supporting documentation to establish that my purchase of the XXXX subject PPMCs was bona fide, but this offer was rejected. 
PayPal 's actions are unjust, unfair and punitive in nature. While I recognize the need to have certain loss prevention policies in place, I believe there is something fundamentally wrong with a system that cites this as a justification for detaining a customer 's money but does not provide a route for appeal or other process that would enable a customer such as myself to refute the implication raised through clear and convincing documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief