vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-24 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: VT

Complaint narrative:
This complaint originates when XXXX, now owned by Peoples United Bank, made an error and assured me that a {$65000.00} check that I deposited was good and had cleared successfully. Then, two weeks later they informed me that the check was a counterfeit check and that they had made a mistake and that I now was personally liable for {$65000.00}. Instead of taking responsibility for their error, they hired lawyers to take me to court, and they prevailed, as I could not afford legal representation. The {$65000.00} judgement was now {$100000.00} including their legal fees and so UNDER DURESS I was forced to sign a Home Equity Line of Credit. 

Then after paying each month on time for years, I became ill, largely due to the stress of having to pay wrongfully, and was in the hospital for 2 months and am now XXXX, a XXXX, Veteran, and experiencing a hardship, with medical bills, real estate taxes in arrears, etc, With the help of the VA, I was negotiating a reduction of the alleged real estate taxes due to the local Town, especially the part that included the usurious 26 % of interest and collection fees. I wanted the monthly payments that I was dutifully making to the Towns, to be applied to the full payment of the principal amount first, followed by a substantially reduced 26 % usurious fee. 

Then without my knowledge, nor agreement, Peoples United Bank came in and paid off the Town including all the usurious fees that I was attempting to reduce. Now instead of paying $ XXXX for the Line of credit, Peoples United Bank wants me to pay $ XXXX for all the bogus fees, which I am unable to do, and now they are threatening foreclosure. 

In conclusion, Peoples United Bank has a moral, financial, and lawful responsibility for the : 1. Original {$65000.00} bank error, and 2. Interference with and failure to consult with me prior to paying off the alleged real estate taxes due, when there were ongoing negotiations with the Towns with the help of the VA. 

Rather than threaten foreclosure, it is time that they write off most of the alleged monies due to them as a result of their errors, and let me go back to catching up with all the regular bills and restoring personal health. This is the right thing to do. Then, over time, they will be paid off a reduced amount that I can manage, and we can both be free.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
During my transaction with ebay.com/paypal, the checkout process is very deceptive and will sign you up for a paypal credit card in a deceptive manner. During the checkout process, the website will automatically default to the payment option of " paypal credit '' which will make the buyer assume they have a credit sitting in their paypal account as I had. When you choose this method, it brings up a screen asking you to confirm your information. Still nothing really indicates you are signing up for a credit card. The feel of the website at this point makes it as if, for security reasons, they are confirming your information. Once you " update '' your information, you are then brought to a " congratulations '' screen indicating you have been approved for credit when again, all I was trying to do was use an existing balance I had within paypal. Given the nature of paypal 's business, most of their customers would assume they have a paypal " credit '' as most of their clients do not know that paypal has now entered the consumer lending industry. Traditionally, they were an electronic payment vendor and this is what 95 % of their customer base, including myself, still see them as. Paypal should not abuse their relationship and take advantage of their customer with these deceptive practices. If most people knew they were signing up for a credit card with clear verbiage, they would not choose to do so. Please investigate this and put a stop to these deceptive practices that paypal has implemented.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-09 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I hired a freelancer to make a website for me. I paid 50 % of the total price upfront so that they could begin the work. According to XXXX I am protected by PayPal from fraudulent " Sellers who provide services or digital and intangible goods. '' After multiple delays, the freelancer provided me with a terrible first draft of the website. 

XXXX I decided to terminate the business relationship and asked for a partial refund. The seller refused. I asked for PayPal to step in and assist me, they also refused to assist me and decided in favor of the seller. There is no appeal process available or a detailed explanation of how they reached their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: IN

Complaint narrative:
They robo-dial my number from XXXX. When I answer a computer picks up and says wait for an account manager. I wait then it hangs up on me. This has been happening for a week now. When I call in a automated system answers and outs me in que eventually a human answers and Identifies themselves as American Medical attempting to collect a debt.

Company response to consumer: Closed
Consumer complaint received 2016-09-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My Bank account was closed and my money has not been returned to me. The bank wrote me a letter to tell me that my balance wont be returned to me, including the direct deposits from my job. 
My Cousin XXXX XXXX who lives in XXXX contacted me for help with paying for his Goods/products in XXXX. He told me that he contacted some of his acquaintance in the USA who agreed to deposit into my account any dollar amount they want to send to XXXX so that he ( XXXX ) paysthe beneficiary in XXXX Currency. This 's due to the difficulties the business Men and Women in XXXX go through in order to obtain Dollar for their foreign transactions. I agreed to help my Cousin after he promised that the money that will be deposited into my account will be from a genuine source only come from within the USA. I started receiving deposits in my account and acknowledged same before he remitted the XXXX equivalent to the beneficiary in XXXX. 

On XX/XX/2016, I noticed that my account was blocked and called Bank of America. I was informed that there was a fraudulent activity on my account hence the reason for my account being investigated. They refused to tell me what it was. This went on for over a week before a Bank of America associate finally called me to intimate me that a deposit of {$2000.00} was made to my account on XX/XX/2016 which the account owner did not authorize. I have contacted my Cousin about this and he gave me a name and phone number of the check bearer which i forwarded to Bank of America.I also asked them to look up the check bearer on the bank 's camera for arrest. 

Evidently, if the account owner did not authorize the said Check, then a stolen Check was deposited to my account in Florida. I am therefore seeking for an advice on how to go about this to clear my name from this and also my personal money including a direct deposit from my Job be released to me. I am willing to provide all correspondence from Bank of America and the Letter from my Cousin to me regarding this. 
Thank you The bank name is : Bank of America ( THE FILE # XXXX ) XXXX XXXX XXXX XXXX-FLORIDA, 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 2015-12-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A.
State: NY

Complaint narrative:
I try a loan modification with Flagstar for 5 years, and they keep losing the paperwork

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I could not find a proper category to check off in your website ... This about Pay Pal. I was using Bill Me Later to pay for my XXXX XXXX XXXX, and Bill Me Later became Pay Pal. XXXX ended its association with Pay Pal. I now pay XXXX directly. Pay Pal continues to send me bills. They tell me I owe them over {$1000.00}. I tried to call, but they were rude. They said I took out credit with Pay Pal, and I did not make any credit agreement with Pay Pal, I only used Bill Me Later to pay for my cheap internet once a month. Pay Pal keeps sending me bills! Please help me get Pay Pal off my back! Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Skyline Financial Corp.
State: CA

Complaint narrative:
My client is being Steered to a Mortgage company by only giving a {$2500.00} Credit and a home warranty. Only if they use there preferred, and that is steering according to what I have heard from other trusted sources. My client is now confused and frustrated. I attempted to negotiate and inform the builder 's representative that what they 're doing is an illegal practice and they said they do n't care.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 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: TX

Complaint narrative:
i was not aware of any moneys owed, XXXX XXXX waited for 1 year and 5 months before sending me any notice of informing me moneys are owed, i not only question the validity of this money, i also question the tactics used, the call me on XXXX XXXX 2016, informing me that moneys were owed, i ask for written details, which i was told was on its way to me, i got a mail on on XXXX XXXX 2016. i called XXXX XXXX XXXX XXXX XXXX with intent to resolve this and was told the debt was sent to collection, does this not violate every single FTC rules, i was not given the opportunity to pay or investigate the validity of this debt, i was sent a letter which is the first notification i ever got from XXXX that unless they receive payment in 5 days they would send account to collection agency, they did not give 3 day room for Post Office delivery, the letter was not expedited or sent with any delivery confirmation. 
now they forwarded it straight to collection before the 5 days was concluded. this violated FTC rules. 
if payment request is made, i should be given a decent amount of time to review ad understand the validity of the debt and ask any questions to satisfy their claims these were denied to me. and i called same day i received the letter only to be told it was in collections already. 

i was asked to call on Monday XXXX XXXX, 2016 to speak with a Supervisor so we could clear up any balance if owed.only for supervisor to inform me it has been sent to IC Systems and nothing could be done on this account. 

first of all i never switched my account to XXXX XXXX, they never had my permission to transfer my service, i questions them on how did my service get managed by them and also i transferred back to Power company of choice and now it seems they are attempting to penalize me for this, why should i pay a cancellation fee if they fraudulently moved my account to their organization, what number was this call from that moved service. was there a recording? 

anyway i am willing to pay it off just for a settlement but i protest and would pursue every legal action if reported to my credit report

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 2015-06-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Shea Mortgage Inc.
State: CA

Complaint narrative:
We are filing a complaint against Shea Mortgage in California. We submitted a loan application with Shea Mortgage sometime on XX/XX/XXXX where we were issued a " loan approval ''. Given this information, we signed a contract with Shea Mortgage 's wholly owned subsidiary, XXXX XXXX, to buy a home located at the XXXX, XXXX XXXX, California. Construction started XX/XX/XXXX and we are now at the finishing stages of construction. 
Shea Mortgage demanded updated data and credit report XX/XX/XXXX which we complied. A new " loan approval '' was issued again. This time we paid an appraisal fee in the amount of {$450.00}, and we were promised that if our loan can not be approved, then the appraisal will not be ordered. The appraisal was ordered, so it means our loan is approved. 
Every week beginning XX/XX/XXXX, Shea Mortgage asked for more documentation, which we provided and complied. This charade has been ongoing for the last 5 weeks. 
On XX/XX/XXXX, the loan processor demanded XXXX more items before a FINAL loan approval can be issued. Again, we provided everything Shea Mortgage asked for on XX/XX/XXXX. A couple of days later, XX/XX/XXXX, we were told that we should have the FINAL approval within 24 to 48 hours. It is now over 96 hours, yet we have not received the promised FINAL loan approval even though we have given them everything Shea Mortgage asked. 
We did not get a Good Faith Estimate until XX/XX/XXXX. Are n't lenders supposed to give the borrowers a Good Faith Estimate within 3 days after a complete loan application is received? We locked in our rate for 60 days on XX/XX/XXXX, and instead of a written rate lock agreement, we were given a " Itemized Fee Worksheet ''. We are very concerned the lender is delaying the issuance of the final loan approval ; our rate lock expires and we will have no choice but to agree to a higher rate and maybe fees. 
We pray the Consumer Financial Protection Bureau is here to protect helpless consumers like we are. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I had, and still have a paypal account that I occasionally use to pay bills to few merchants. I have usually one or more credit cards on file at Paypal so that Paypal can use my credit card when I use Paypal to pay bill. On XXXX XXXX, 2015, I wanted to pay a bill using my Paypal account. Since the credit card on my paypal account was expired/cancelled, I added a new credit card to paypal account and then paid a merchant {$33.00} using Paypal. 3 weeks later, I got a call from paypal saying that I owe {$33.00} in Paypal credit account. Since I know that I never had a credit account with Paypal, I called them back to find out. They said I opened a credit account on XXXX XXXX and paid a merchant {$33.00} using that credit account. I said I paid with the credit card on file. They said since the credit account is opened in my name, the only way that can happen is that I did it. XXXX I never opened a credit account with them. I had numerous conversation with them the last few days. The claim the only way a credit account can be opened is, if the customer did it. I told them, may be your system made an error. They would not agree. Then I XXXX searched and found that this is their regular practice to open credit account for unsuspecting customers. However, in my case, I accidentally did not click on anything on their site. I know this because I am a professional software worker and good at finance. So I did some digging of the records. From my email account I found that they sent me an email about opening " a credit account '' at the very same minute, I added a credit card to the paypal account. As per paypal policy they must send an email when " a credit card is added to an account '' stating that it happened. I verified the logs that they have that my credit card was added at the very same moment they sent me the " opening credit account ''. There is only one explanation for what they did. They created a credit account for me when I added a credit card to the file. It could potentially happen, though unlikely if they have a bug in the system ( I am XXXX, I know how this can happen ). The potentially dangerous reason by which it happen is when customer add a credit card to file they deliberately create a credit account. The fact that they did not send me an email about adding a credit card and at the same time sent me an email about the credit account creation, points towards this ominous scenario. In that case, their system is programmed to do that way for unsuspecting customers. Because they opened a credit account in my name, I took a hit on my credit history. I asked them to go and clean up the damage with XXXX credit beauros. They refused. I also asked them compensate for the damage they did to my credit history. They refused. I promised them that I file this complaint. I asked them not destroy evidence of logs, emails, phone calls etc. Please take action against them

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I am complaining about PayPal Credit, formerly known as XXXX. This company seems intent on not having me pay off my debt, and giving me credit when I do n't want it. I was just charged a {$25.00} fee on an {$89.00} bill I did not know I had. The company apparently automatically signed me up to put on PayPal Credit, anything I bought or paid for using Pay Pal. So when I thought I was paying something off immediately, at the time of purchase - I have a bank account linked to PayPal - I was actually putting stuff on PayPal Credit. There has always been something suspicious and shaky feeling about XXXX, which is now PayPal Credit. I suspect they are doing their best to put charges on this credit card like service, and then charge people late fees. Because you get no bills in the mail, it 's quite easy to do, especially when they are signing you up for it automatically.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Paypal somehow linked my company to a XXXX report that we have nothing to do with and froze my accounts. My company name is XXXX. Paypal is holding my funds and causing detrimental harm to my company by freezing my processing and by not releasing some operational funds. Paypal is not communicating with me about their findings and therefore not allowing me to resolve it. Rather holding funds so they can earn interest on the money and make a profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25 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: I.C. System, Inc.
State: OH

Complaint narrative:
I have a a unverified account from I C SYSTEM INC. I had previously disputed this account. I have never done business with I C SYSTEM INC Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt I C System INC purport I owe. I request that I C Systems INC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that I C System lNC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number 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 2016-09-23 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
pay pal randomly closed my account and withholding my funds. When asked they would not give any answer why account is not completely closed. I do not want my account and financial information to be available for everybody to see.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I sold a gift card on my eBay account and i followed the rules and regulation in regards to selling that gift card on the eBay website. I had the payment information go through papal and papal received the money from the customer and told me that it was OK for me to send the gift card to the customer. The customer sent me an email to send the gift card to her email for faster shipping. i sent the gift card to the customer as instructed. pay pal waited 21 day to put the money in my account. after 2weeks of receiving the money pay pal send me an email saying the customer filed a dispute with her back that she never authorized the payment from her account. pay pal went ahead and did there investigation and said unfortunately they are unable to reimburse me because the transaction was not covered under pay pal seller protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: I.C. System, Inc.
State: PA

Complaint narrative:
Keeps calling to work after speciffically being asked not to call. Could jeopardize my job.

Company response to consumer: Closed with explanation