vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: I.C. System, Inc.
State: AL

Complaint narrative:
I C Systems placed a {$450.00} debt that was from XXXX XX/XX/2010 - XX/XX/2010 on my credit report. I had no knowledge of this bill until I received an alert from XXXX credit monitoring service that I even owed this balance. 

I called I C Systems today and was then told about the debt. They claimed to have sent notice of collections to a previous post office box that I had in Arizona. However, ALL of the information on my credit report is correct. Therefore, if they wanted to contact me about this, my current address is listed on all XXXX bureaus. They could 've also called me, because my current phone number is on all three reports as well. 

Instead of conducting business the correct way, they went ahead and placed this on my report without properly contacting me and giving me a chance to dispute this. This is unacceptable. My score has dropped XXXX points because of this. 

Furthermore, the statute of limitations is up for this debt. And they are still trying to collect anyway KNOWING that the statute of limitations is 7 years for this type of debt. Just pitiful. 

I have sent I C Systems an email letting them know that I am reporting them to the CFPB. Had I not seen this on my credit report, it would 've SAT there. I 've worked entirely TOOOOOOO hard to restore my credit and will continue to work to keep it secure. 

I have a severe disgust for companies that do things like this and I would like immediate action taken to not only have this DELETED from my credit reports, but this company needs to be fined. Cause if they 're doing this to me, they 're doing it to other people.

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 2016-07-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A.
State: NC

Complaint narrative:
My wife and I submitted paperwork to have an Short Sale/Cash for Keys done. We received a letter dated XXXX XXXX, 2016 from Flagstar stating it was complete. Just this weekend we found out the Property was in Foreclosure Sale and that it closed on XXXX/XXXX/16. This as a shock to us since we have only been getting payment notices since we received the letter in XXXX XXXX indicating the short sale/cash for keys paperwork had been received and further notification would occur before anything happened with the house/property. We have never received any documentation confirming a Foreclosure. Billing statements are all we have received and as recent as the XXXX/XXXX/16 payment. The only reason we were aware of the Foreclosure is a XXXX estimate we received on Friday XXXX/XXXX/16 stating the property was not for sale it was Foreclosed.

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: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
PayPal, without authorization from me, made a hard pull on my credit file this year, affecting a mortgage I am in the process of getting. It was for their PayPal Credit service. They denied any wrongdoing, told me I willingly accepted the terms, and after an investigation I demanded, told me that they found no wrong-doing and denied responsibility. They have canceled the account but the hard credit pull remains on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
received a statement from XXXX XXXX , XXXX stating that I owed PayPal Inc. {$150.00} when I 've never had a PayPal account. I called PayPal to verify that I did not had an account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-22 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Paypal is arbitrarily applying hold policies despite my being an account holder in good standing. In the latest incident, paypal arbitrarily applied a hold against my account for funds from an auction completion. No where was the made explicitly clear that this transaction would flag some arbitrary rating system, applied by EBAY and Paypal which are now separate companies. Furthermore I never allowed, approve or otherwise granted Paypal permission to share my account information with anyone else, including Ebay which is now a new and different company. This issue goes along with paypal charging fees that were not disclosed in given transactions. Most recently they charged a seller a fee was omitted from the disclosure they provided to me during and upon completion of the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 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:
I was signed up for PayPal Credit without knowing it and assumed that purchases were directly charged to my credit card. Turns out that they were charged to PayPal Credit and was charged a {$35.00} late fee plus interest of {$2.00} minimum interest. I am unaware of ever signing up for PayPal Credit and assumed that some email that I received were scams since I could see that the items were paid for in my PayPal Account. I have since cancelled both my PayPal Account and PayPal Credit Account over the phone on XXXX/XXXX/2016.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-28 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Without my consent, Paypal attempted to sign me up for a credit card. I did not authorize the attempt which added an inquiry to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: CrossCountry Mortgage LLC
State: OH

Complaint narrative:
My loan officer was lazy never called or emailed me we asked to be put in the no money down payment from the beginning and he never submitted our application then he lied so many times to us We had to use all our savings for the down payment because he did n't accommodate us he never answered our calls or emails He was extremely lazy we asked him to lock in our rate with such a great credit score that we had he still charged us XXXX And when we wanted out thenow he told us we will get sued this was one of the most uncomfortable experience I 've ever gone through then to find out the loan officer bank is no longer in service I just wan na cry ps I dint think it was in service at the time of the transaction

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I sold a couch for {$190.00} and received payment for said couch on XXXX XXXX, 2015 via PayPal. When I tried to submit the payment to my checking account PayPal locked my account and on XXXX XXXX, 2015 they stole {$83.00} from me. They say that it is " deducted funds from your PayPal account to resolve your negative balance account. '' When I called to ask about the negative balance account, they said it was in reference to a chargeback for a transaction that occurred roughly 10 years ago with a PayPal account connected to a XXXX email account I lost access to nearly a decade ago. They did not provide any details regarding the transaction. Regardless, this is far beyond the 4 yrs. statute of limitations in California for collection of debt on account per Civ. Proc. 337. I received no notice about this until I called in in 2015 after they took my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-06 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: I.C. System, Inc.
State: VA

Complaint narrative:
I first received a bill from I C Systems Inc regarding an unpaid balance for XXXX back in XXXX of XXXX. I contacted this collection agency to advise that this account was discharged in my Chapter XXXX Bankruptcy. I know as of today XXXX/XXXX/XXXX discovered this collection agency has put this on my credit report as a negative collection. The original date of the bill was 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 explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: I.C. System, Inc.
State: NY

Complaint narrative:
Time warner cable sent the account to collections prior to me returning their equipment after I cancelled the service due to a move about one month ago. The debt collector, IC systems, never contacted me about the payment and instead, they called my partner to say there was a debt owed by me, revealed the account it related to and the total amount due. As per the FDCPA, this is a clear violation as they can only contact relatives and the like to LOCATE the person. They can not reveal identifying information. What is more of a problem however is that they never attempted to reach me prior to making this call. I have no missed calls, mailed letters, emails or the like from anyone matching the company number. I also do not have any missed calls in general from any unknown numbers as I went through my call log for the last month to see if I had somehow missed a call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: MN

Complaint narrative:
My mortgage was sold from XXXX to XXXX over a year ago now, my payment for XXXX 2015 was sent to XXXX, but was never forwarded or returned to me. I have called both PrimeLending and XXXX for resolution and they continually give me the run around, I have multiple tickets in with XXXX regarding my payment and have been told the issue is closed and resolved every time I call to check. They have yet to actually resolve the issue and I have called multiple times and sent them documents multiple times without resolution to the issue. On the flip side, PrimeLending is charging me late fees monthly for a missing payment that I technically never missed, I originally called them when the issue first came up and they told me they would take care of it, I called them multiple times over the ensuing months and they kept saying they were taking care of it only to find out later from an employee at PrimeLending that the truth is they would never do anything about it. Essentially XXXX and/or PrimeLending is holding my payment and is not applying it to my mortgage and neither is calling me regarding my complaints filed with them, every time I call either my complaints are closed without contacting me or giving me any resolution or without fixing my mortgage.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Paypal sent me a notice that my account was put on hold because a person with a similar name had a negative balance with Paypal. I called and explained that I was not that person and not responsible for this account. Paypal refused to de-link the other account unless I paid the negative balance. 

I tried to close my Paypal account, but Paypal will not let me do that until I resolve the other person 's past due balance. This is fraud and most certainly illegal under the laws of the United States. I am not responsible for the debts of another, and I am not willing to allow Paypal to keep my account active. I will use other forms of payment from now on.

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 2016-08-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
I attempted to make a payment arrangement with Paypal Credit earlier today, XXXX. The rep I spoke with stated no arrangement/payment plan is available at this time, they have all expired. I was not aware of any plans to me prior to them expiring, the last XXXX I was made aware of through a message from CFPB is an amount of around XXXX for three months, bringing the account current. However, the rep informed me this plan has also expired. She was also made aware of some fraud charges made from an XXXX, a jewelry site. A XXXX with a similar name, XXXX XXXX, placed these orders using my name as it is similar. I use a middle initial, S, he does not have or use XXXX. My full legal name is XXXX XXXX XXXX. Please advise Paypal Credit I can pay a minimum of XXXX for the three months, despite the fraud charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Received a notice on my credit report that I owe money to IC Systems. I have never heard of them nor have I received any bills for outstanding 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 2015-05-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I received a credit alert that a collection agency known as IC System stated I owed them a debt of {$610.00}. I was not aware I owed a debt to anyone. I contacted them immediately. The debt belonged to a power company I had n't used in several years. IC System said if I paid off the debt immediately it would be removed from my credit report and not further reported to the credit bureaus. They promised me this debt would be deleted. I paid it off immediately. IC System still reported it to the credit bureaus. I called IC System and they verified the debt was paid, but still they did not properly report this to the credit bureaus for removal. It has been several weeks since I paid this debt in full and the derogatory remark remains on all of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Flagstar Bank, N.A.
State: NC

Complaint narrative:
Solicitation and promises that financing and refinancing supported the amount they gave

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I 'm not quite sure how to complain about pay pal for running a hard credit inquiry on my credit report. On XX/XX/XXXX, while the latest XXXX I PHONE 6 S PLUS was unveiled. My cell phone carrier is XXXX XXXX. XXXX XXXX has implemented a new phone purchase plan. A customer since XX/XX/XXXX XXXX XXXX has changed their phone upgrade purchases. Previously, phones such as the XXXX phone that was released on XX/XX/XXXX reduced the price for new phone to roughly {$200.00} However, since XX/XX/XXXX XXXX XXXX has implemented a monthly payment plan that had a customer pay a monthly installment ( 0 % ) to pay for the new phone.On XX/XX/XXXX I ordered the new XXXX Phone ( through XXXX XXXX ) and implemented the monthly payment plan of XXXX XXXX. The order was complete, however when attempting a XXXX XXXX FICO score I noticed my score went ( from XXXX ) from XXXX to XXXX. This occurred due to the fact that my XXXX XXXX order of XX/XX/XXXX a XXXX hard line credit inquiry was also preformed without my knowledge and/or consent. I have attempted to call Pay Pal about this and was not successful in having this company removing this from my credit inquiry. I have noticed through this federal agency federal legal action has been taken against XXXX, however did n't see a process to joining any class action settlements.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
PayPal changed my old PayPal account to a Bill Me Later Account without my knowledge. I ordered something back in XXXX and the merchant only used PayPal. I 've used PayPal in the past without any problems, but this time I found myself in a situation I 've never encountered. I have always paid by paper statement with pay pal and never had a problem. I realized on XXXX XXXX that I had not received a paper statement in two months from PayPal. I do n't use online billing services becasue we had our identity stolen back in 2014 and it created a problem with the IRS and we are still getting bills from XXXX company for things we have never ordered. I also do n't check balances on the Pay Pal website because they 've changed their website so much, I ca n't find anything I am looking for. It took me forever to locate their mailing address in XXXX GA where I always have mailed my payments to. I did n't realize that PayPal had quit mailing me paper statements until I made another purchase from a vendor who uses PayPal and that purchase automatically transferred me to my PayPal account. That 's when I notice PayPal had charged me with fees and interest on the XXXX purchase and I had n't paid the XXXX balance because I never received a statement in the mail. If I do n't get a statement in the mail, I wo n't remember to pay anybody. I pay everything by mail-power bills, doctor bills, XXXX XXXX XXXX bills, etc. I also noticed that PayPal has not been using my primary email account to send me notifications. If I had gotten an email from them in XXXX, I would have know then there was a problem. I also noticed that my traditional Pay Pal account had been changed to Pay Pal credit Bill Me Later. This is a misnomer if they are not sending you a bill later.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-09 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My PayPal balance of {$5400.00} has been withheld by PayPal. I already submitted XXXX complaint about this issue, and yesterday, PayPal filed a reply, promising : " On XXXX XXXX, 2015, PayPal made your full Account balance of {$5400.00} available for withdrawal. '' However this is not true. I have tried many times today to withdraw my balance as promised and the account is still blocked. I can not initiate any withdrawal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: R & R Collection Service, Inc.
State: TX

Complaint narrative:
I ready pay but they apology for forgeting to put it in I Talk to the R & rcolection and they say they going to fix this I pay that XX/XX/XXXX and they send me to the colection agency on XX/XX/XXXX and until XX/XX/XXXX they stil charging me for that bill

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen Loan Servicing LLC has been misapplying our payments in order to fraudulently misrepresent that we owe one back payment ( approximately ; the figure varies randomly ). All the proof previously submitted to Ocwen and in our previous CFPB complaint proves that we have never been late or in default on a payment since our loan modification went into effect years ago. After our initial complaint to the CFPB you said we would receive an explanation from their ombudsman. We NEVER have received any explanation. On the contrary, the " ombudsman '' just attached the same documentation back to us that proves we made all our payments, with no acknowledgment of our very clear demands, no explanation of the reason for their misattribution, and no apology or compensation offered for the damage done to my credit score, my time and my health. They subject me to the constant stress of falsely threatening me with foreclosure. You at the CFPB must follow up and make sure that I receive compensation and full vindication of my financial records. You should review the case and do your own investigation, as they have failed after numerous letters and phone calls trying to get them to stop the false double billing every month. I tried to make a phone payment to them and have them apply it correctly to the XXXX bill but they said they would be applying it to the XXXX bill even though they acknowledged that the XXXX amount was paid on XXXX XXXX. By the way on the phone menu I requested the " relationship manager '' on the account. The person who answered, one XXXX, was clearly not a manager at all, even less a relationship manager, because she simply read boilerplate to me and provided no attempt to answer these questions ; on the contrary she said she had to apply the payment to XXXX as that was what showed, and said we could address any complaints to the Research Department ( this designation on the phone menu was so blatantly false that this also rises to the level of fraud ). Since there have been no results whatsoever from our bringing this to the attention of Ocwen 's " Research Department '' where they repeatedly refer us ( and who never answer ), and to their corporate administration, please review this matter and reply to us within two weeks, as this has gone on far too long ( for years ), and it is clear it will continue forever unless you take action against them.

Company response to consumer: Closed with explanation