vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-02 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I purchased an ebay gift card on ebay.com through seller Paypal XXXX XXXX on XXXX/XXXX/XXXX with a stated value of {$100.00}. The buy it now price for this auction was {$95.00}. This gift card was delivered via email on the same day and sat unused in my email inbox until I tried to use it for the first time almost a year later on XXXX/XXXX/XXXX. At this time, I entered the provided gift card code and the balance showed {$0.00}. 

I filed a dispute with Paypal and they promptly denied my complaint. I searched online for a possible solution to this problem when I came across XXXX, where users in the forums reported a hack of the Paypal XXXX XXXX database. There were many users reporting stories similar to mine, and one of the members directed people in the forum to consumerfinance.gov for a possible resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A.
State: MI

Complaint narrative:
This has been an ongoing process, but, we have a mortgage with Flagstar that we fell behind on in XXXX. After a modification nightmare, we finally had it modified and brought current in XXXX XXXX. I had made some payments that had bounced out of my checking account. Some of those payments were my fault, with not having my checking balanced correctly, and some were not, such as multiple payments on the same day being made. Anyway, on XXXX XXXX, XXXX, we were due for XXXX, XXXX, with XXXX being due by the end of the month. I made XXXX 's payment on XXXX 1. I was in contact with XXXX XXXX from Flagstar 's contracted mortgage servicing company in XXXX, and told him when I would be able to catch all of it up, before the end of XXXX XXXX. On XXXX XXXX, Flagstar had reversed all of my payments that had cleared my checking from checking dating back to XXXX XXXX, XXXX. They also reversed some of the payments 2 times. This had brought me back to XXXX XXXX, owing, when this was not correct. I have been trying to work with XXXX XXXX, and his supervisor XXXX, for almost 3 and half weeks, with no progress. Bank statements have been sent, and the cashiering department at Flagstar still says that it is still past due to XXXX XXXX. I have made a payment in XXXX, and still do not know where this has been applied. I made another payment by XXXX XXXX, and thought it was applied, only to find out a week later that it was returned. We are at a loss, since I am only able to speak to those XXXX people. 
Here are the dates and the amounts that were reversed, which should not have been, because they have cleared my account. I have also included the date that it had cleared my account. 

XXXX {$1200.00} cleared XXXX XXXX, XXXX XXXX {$1100.00} cleared XXXX XXXX, XXXX XXXX {$1100.00} cleared XXXX XXXX, XXXX XXXX {$1100.00} Cleared XXXX XXXX, XXXX This should bring me to being due for XXXX, XXXX and XXXX. I have tried to make the XXXX and XXXX payments and those were not accepted. I still have the funds for them. 

None of these funds were credited back to my checking accounts, and they are not letting me know where they have been applied to.

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 2016-07-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A.
State: NJ

Complaint narrative:
WE fell on hard times with our business, we asked flagstar to give us a lower payment, or sometime to recover, instead they kept us in a crazy loss mitigation for more than 1 year, and instead of lowering the payment, they made it almost {$1000.00}. more because they added all of the back payments, interest and late fees. 
We love our home, we are trying to get back on our feet, but now we 're 4 payments behind again, and we 're now trying to sell the home because we ca n't take the XXXX anymore, but the mortgage is now so high that I ca n't sell it for what I Owe. 
Flagstar did not help us they, are preying on us and the fear of foreclosure.

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 2016-05-12 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
I was alerted to a medical collection on my credit report under the name of XXXX XXXX on XXXX XXXX while attempting to secure a mortgage. The account number listed is XXXX. On the afternoon of XXXX XXXX, I contacted I.C Systems via phone ( at XXXX ). When I got someone on the phone ( a woman who refused to repeat her name after it was given once, quickly, or collector identification ) I asked for information for who the original debt was issued by ; my credit report references a medical provider in Pennsylvania, but the name of the doctor / practice is not showing on the reports. I advised the woman I had an account number - she stated that they were unable to provide any information to me on the original debt at that time. She did not take down the account number, but read back my phone number to me from caller ID and advised my number was not appearing in their system. I again asked for validation of debt and I was told it was n't available. To date, I have not received any written communication from I.C. Systems or any medical services provider concerning a debt in the amount of {$89.00}.

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 2015-05-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
I purchased a primary home with mortgage and put 10 $ % down. I had to get PMI on the loan. I requested the LTV ratio at which we need to get PMI released from the Loan and I have written evidence from Caliber Home Loans stating if I pay down the Loan to 80 % they PMI will be released. We paid the loan to below 80 % and they they denied our request and said we need to pay it down to 75 %. We just paid it down to 75 % LTV and now they are making us get an appraisal to redetermine the LTV. The regulation requires them to automatically cancel the PMI with two years good payments, no late payments, and 75 % LTV ; all of which we have satisfied. The XXXX XXXX XXXX guidelines allow PMI to be released if you make betterments or improvements to the property and get an appriasal which would show the Value is higher and thus the LTV ratio could be lower than 75 %. This requirement is not necessary if you are just paying down the principal!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA
State: NJ

Complaint narrative:
I have a student loan with XXXX department of education. The monthly payment was {$95.00}, I am not sure the exact change. 
XX/XX/2015, I received a letter from a company that called XXXX help stated they can help me with the loan. So I called them and I spoke with somebody 's name XXXX XXXX. He said that he can help me qualify for a program to help me lower the payment and he asked me some info about myself and provided him all my info. He set up the loan and told that the loan payment will be {$91.00} every XXXX of the month, but the payments have to take automatically from my checking account to qualify for that program. 
So everything was setup and they started taking the payments XX/XX/2015 until now, they are still taking the payments. 
Last week I received a letter from the same company which is Fedloan. In the letter, they mentioned the monthly payment is {$160.00}. I called them and spoke with XXXX different person, the both said they never received any payments from me and they have no payment history, they do n't know what I am talking about. This morning, I emailed XXXX XXXX explained to him what happen and I said " I want all the money that I have been paid since XX/XX/2015 until now, all he replied back to me that he will get fix. I called and let a voicemail for him, he never call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WILKINSON LAW FIRM, P.C.
State: MI

Complaint narrative:
This collection agency calls my work phone XXXX times/day asking for someone named XXXX . I do not know anyone named XXXX. I have contacted them several times asking them to remove my number from their list. 

The last time I called asking them to remove my number was XXXX/XXXX/15. They called me again at XXXX XXXX. on XXXX/XXXX/15. I asked them to remove my number again. They then called back at XXXX XXXX. I asked them to remove my number again and I was rudely told, " your number is not in our system. There is no number to remove. '' So I asked how they were able to call me if my number was not in their system. The woman stated that she did n't know. I told her the problem I was having and that I did not want to receive any more phone calls from her institution. She then repeated that, " There is no number to remove. '' and hung up on me. 

At this point I am frustrated that this company will not stop calling my work phone even though I have asked, and that they treated me as if I were the one making an error, or as if I were delinquent on a debt, or as if I had somehow otherwise offended society. So I called the number back hoping to speak to a manager. When I called back, I had the most unbelievable phone conversation of my life. I was treated as if I did not deserve to exist on this planet. 

The man that answered the phone stated that his name was XXXX XXXX and how can he help me. I asked for a manager. From there the conversation immediately escalated. XXXX stated that I could talk to him. I asked if he was a manager. He stated that I could talk to him. He would not answer whether he was a manger. I then tried to explain what my complaint was, and he cut me off asking where I was calling from because my number does not match their system ( at this point I was on an outbound call from my employer, so the main number would show to them as opposed to my direct line which is the line that they continuously call ). I was n't even able to explain what my complaint was, or the difference in phone numbers or anything else because he was yelling at me and would n't let me speak. So I stated that I would like to know the name of their organization, at which point he hung up on me. 

I do n't have any delinquent debts. I do not deserve to be treated like this. They are in error - they call the wrong person. I have asked to be removed from their list and they continue to call. Even if I were the right person and did owe a debt, no one deserves that sort of harassment or mistreatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
PAYPAL has been charging me {$35.00} fees every possible incident they get. Even after I have paid the minimum or way above the minimum, they still charge {$35.00} multiple times. They charge {$35.00} late fees XXXX on top of another on a charge of less than {$20.00}. Bringing the total to hundreds of dollars after I purchase some thing for less than {$20.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A.
State: WI

Complaint narrative:
We refinanced our mortgage for a lower rate. We went with a local bank instead of through our previous lender, Flagstar Bank ( MI ). On XXXX/XXXX/16 I made our last mortgage payment over the phone with a Flagstar representative. I received a confirmation e-mail. This past week my husband kept receiving calls from Flagstar Bank stating that the payment was not made due to " insufficient funds ''. My husband has $ XXXX in his account. The Flagstar representative did not take down the correct routing number. Our new lender wired the payoff amount to Flagstar Bank and it was returned since Flagstar stated that I we needed to pay additional fees of : {$340.00} in order to pay off the loan. On XXXX/XXXX/16 I called and paid the additional fees and the mortgage from XX/XX/XXXX. I tried over the phone to get the fees waived with no luck. I want Flagstar Bank to refund me the amount of {$340.00} for their errors. I should not have to pay a late fee for their mistake. Their errors almost demolished our refinance.

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 2016-01-08 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
This letter is a complaint about PayPal 's Seller Protection and Chargeback Fees. I am posting this so others can learn about PayPal 's wrongdoing. 

Regarding case ID : XXXX, PayPal states I did not follow " Seller Protection performance requirements. '' However, I strongly followed PayPal 's Seller Protection requirements, in addition to eBay 's Seller Protection. 

I had sent proof of tracking #, eBay message confirming receipt of payment to the buyer along with their game code, buyer leaving positive feedback, and proof from XXXX that the code was redeemed. It is evident that the buyer was a scammer. 

PayPal still initiated a chargeback of {$34.00} USD plus an additional {$20.00} USD chargeback fee. There was no Seller Protection offered to me, to protect me against a scammer. This was not the only chargeback against me, as many of my eBay products were targeted by scammers - many of whom are no longer registered on eBay. This is not right and is false advertising by both eBay and PayPal for stating sellers are " protected '' by their Seller Protection. 

In a separate matter, I paid {$2.00} ( ID : XXXX ) for an eBay USPS shipping, however, the buyer also turned out to be a scammer who is now unregistered on eBay. I never used or shipped out the package. PayPal has yet to refund me on this purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NV

Complaint narrative:
I get calls from some collection agency which refuses to identify itself asking for someone with a similar name to mind. I refused to give my Social Security Number and the address they gave me was not mine. When I asked for the name of the company and how they got my phone number they refused to respond. They eventually put me ion hold and never returned. I recently had similar problems which was reported to the XXXX credit bureau agencies and is on record. Their phone number is XXXX They gave me XXXX different names for their company. Please make sure they do not make any false reports to XXXX parties and investigate their practices.

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 2016-07-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Paypal forces consumers to add a checking account to verify their identity. Once a checking account is linked to a consumer 's Paypal account, Paypal makes this account the default account where they take money from to pay for transactions. There is *no* way to change it. " One can not make a credit card account their default account after linking a checking account ''. Paypal does this to make extra $ $ by not paying credit card commissions and keep the 4 % themselves. 

I was careful to check and change the account to credit card account whenever I made transactions. However, I missed to change the account in my last transaction and Paypal took the money from my checking account and my bank account was overdrawn due to this. Bank charged me an NSF fee and I received a scary letter that my account will be reported to XXXX and Credit bureaus due to NSF. I did not check this bank account since I linked an account that I do not use often and do not keep any money to Paypal. I chose an under used account since I was not comfortable linking my active checking account to Paypal. 

I deposited money to my checking account and Bank was nice and refunded the NSF fee but Paypal must have damaged credit scores of a lot of customers due to Paypal 's greed. 

If transaction gets declined due to NSF, Paypal will keep trying every day or every other day to debit the money which will rack up NSF fees for the consumer. Banks often pay Paypal debits even if an account does not have overdraft protection to avoid this NSF hassle.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I recently received a phone call from PayPal Credit regarding an outstanding balance of {$140.00} for " PayPal Credit '' purchase I made in XXXX 2015. I have NEVER used PayPal credit before - only PayPal as connected to my debit card or bank account. Typically, this was for payment to individuals. This specific {$45.00} payment was to a friend who has a baked goods company and she baked and delivered an order for me. I paid via PayPal, as I have done several times prior. Then I received this phone call and a statement in the mail in XXXX 2015 with a {$140.00} balance, because I chose to pay with PayPal credit and had NO idea I had done so. I did NOT know there was a credit option via PayPal. This is VERY misleading and deceiving and I am not going to pay {$100.00} worth of late fees for something I thought I paid for in XXXX 2015. I had no way of knowing this purchase was going to be via a credit account - I would n't have done that.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I have been attempting to refinance my home for over two years. The servicing company select portfolio servicing has been giving me the runaround consistently for this entire time. I have submitted and resubmitted paperwork in various forms for them over and over again with no true excuse as to why they were needed submitted in another manner. They hide behind " the program requires that we ... '' And continue to ask me to provide different information. Frankly, I am uncomfortable that they do not even own the right to collect my mortgage and have contacted them requesting a QIR. I have done so by certified mail and they have not met their obligation of even answering this request. They have however sent me a paid off quote that I did not request. This was a predatory loan to begin with, and I am trying to resolve the XXXX that I have been feeling for several years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc.
State: FL

Complaint narrative:
XXXX XXXX called me regarding a debt that was not mine it was an identity theft. it was over XXXX years ago or more. they threatened to put a lien on my current cc. they called my XXXX mom, sister, work and harassing me none stop.. they are rude. they know my minor child name, school she attends.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: IL

Complaint narrative:
Our credit union refinances other lenders ' auto loans to save our members money. Even though we have a signed authorization, Ford Motor Credit will return our checks if there is any request to mail the title to the credit union. They are using this tactic to delay payoff and accrue additional finance charges ( and possibly late charges ) for the borrower. FMC claims it is a liability issue, but most credit unions recognize this for exactly what it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 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: Trident Asset Management, L.L.C.
State: VA

Complaint narrative:
I have sent Trident Asset Management XXXX requests for Validation of debt, which I have the right to do under the FDCPA. They have not replied at all to either of them. This is illegal. 

They are saying on the credit report that they are collecting on an old XXXX account. I believe that this account does not have any balance owed and should have been removed from my credit reports years ago. 

I need this off my credit reports as it is lowering my credit scores.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-03 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Williston Financial Group
State: AZ

Complaint narrative:
I sold my home/condo and I signed documents outlining how much would be deposited into my bank account the next day. I provided information for the bank wire to XXXX XXXX. 
I informed my finance rep the amount and when the amount was received it was different. 
I asked my realtor what the difference was and they had no idea. My realtor called the title company. They told my realtor a calculation was wrong. I asked for a copy of the new calculations as this document would not have my signature on it. I requested a phone call for explanation as to how they could just change the dollar amount that I signed and agreed would be deposited into my account, and why was my finance rep telling me of this difference and not the title company. The rep from the title company apologized and said they were really busy. She said the document I signed was an estimate and I said there is no reference to the word estimate on what I signed nor was that explained to me at my signing. She said she would follow up with me after she reviewed the docs and she still has not been back in touch. I will attach the documents. I feel they owe me the {$1000.00} difference, this was their mistake not mine and they have been unprofessional in handling the error. I feel they were sneaky changing the docs and not disclosing anything to me. I expect WFG National Title Insurance Company of XXXX XXXX, OR to make this right.

Company response to consumer: Closed with explanation