vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A.
State: GA

Complaint narrative:
I have a mortgage through Flagstar Bank that I feel behind on in XXXX. I began a modification process in XXXX XXXX and was placed on a trail period with payments {$100.00} more than original payments. After successfully making XXXX payments I was told paperwork would be sent in the mail regarding the modification. I received a packet that contained documents to be signed by a notary and a witness with a due date just days after receipt. After reviewing the documents it was obvious that no previous payments were credited to my account. Additionally, I was asked to pay closing costs, an additional {$40000.00} for my home and to start the 30 year term over again. I called today to make another `` trail period payment '' and to discuss the issues I had with documentation when I was told that my file was closed and I would have to reapply for a modification. I was told that my home was going back into forclosure process and they were not able to take my payment. My " single point of contact '' was not available to communicate with and I was forwarded to a voicemail after asking who I could speak to about these issues.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
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: MA

Complaint narrative:
I bought a ticket to an event at the XXXX XXXX festival that happened in XXXX NY in XXXX XXXX, 2015. Here is the event description XXXX I found out I was not going to be able to attend the event and I identified a woman ( friend of my father ) in NY who was interested in purchasing my ticket. We agreed on a price of {$45.00}, and that she would pay me via paypal. I sent her the ticket ( address in NY ) once I saw that she had submitted the money transfer. However in the subject line of the payment, she said, payment for ticket to XXXX, XXXX ( name of the event ) and now paypal is holding the money pending an XXXX investigation?? She has provided the website for the event and explanation that the transaction has no involvement with anyone in XXXX or any good coming from XXXX. This would seem to be a mistake that could easily be cleared up, but the payment was submitted on XXXX XXXX, 2015 and paypal still has n't released the payment to me. They will not give me a timeline for when the investigation will be complete or if they can simply not process the transaction and return the money to the sender. I do n't believe they should be able to hold my money indefinitely. This guilty by 'word association ' is bordering on ridiculous.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-08 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I sold a product on eBay that was fully described as " for parts, not working '' at least four times. The specific defect was the XXXX. The buyer made a complaint to eBay that the XXXX was not functional and wanted to return the product. I declined. eBay made a determination that I had misrepresented the condition of the item as I included the phrase " BAD XXXX. Apart from this, the calculator appears to be fully functional and is in good condition ''. eBay asserts that i misled the buyer even though the buyers sole complaint is the XXXX is non-functional. 

eBay chose to decide in the buyer 's favor even though they did not give me an opportunity to provide evidence to contest the buyers multiple false claims. 

And this is where I would ask the the CPB investigate. PayPal debited my account {$19.00} without any knowledge of the claim submitted by the buyer. I content that PayPal does not have the authority to debit my account with giving me a full opportunity to present my case that the funds not be debited much as they would do in a typical merchant dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 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: TX

Complaint narrative:
IC Solutions Debt Collectors repeatedly call me even after I had already made payments, they call multiple times a day during unorthodox hours and have now taken to calling my husband who 's information they should not have access 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 2015-08-08 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: I.C. System, Inc.
State: FL

Complaint narrative:
I.C. System Inc. reported a debt that I do not owe, and they damaged all my credit report on all XXXX credit bureaus. 

I demanded they show me PROOF, and requested pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that their claim was disputed and validation was requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
Paypal Credit claims to have offered a payment plan which requires an amount due of around XXXX a month, this offer was never received but am interested in taking advantage of it. I do not have offer details as again, they were not received. However, there are several fraudulent orders from an XXXX which need to be resolved first. These orders run into the thousands and were placed by a relative with a very similar name, XXXX XXXX. My full legal name is XXXX XXXX XXXX, he was able to successfully place these orders as the name as well as address matched. If Paypal Credit is willing to work out a settlement and accept a payment plan of XXXX a month then I will gladly make payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: TOWNE MORTGAGE COMPANY
State: MN

Complaint narrative:
Towne Mortgage, DBA AmeriCU XXXX # XXXX, originated and " manages '' my mothers FHA loan, which I am authorized to manage, handle all business, and make the monthly payments on. Every year, Towne Mortgage slaps a ridiculously expensive XXXX insurance policy ( highly profitable for them ) on my loan that makes my monthly mortgage and escrow payment go from about XXXX dollars per month to over XXXX per month, which we can not afford. This policy is completely unnecessary for FHA ( I know, I spoke with an FHA representative during the time the loan was closing ), as the master insurance policy for our large association covers the interior of all of our units, per the developer-written bylaws of the association. These bylaws have never changed meaning none of us with loans needs an XXXX policy. My neighbors have loans with other large lenders like XXXX XXXX and in talking with them none of them have to go through this year after year with their lenders. I provided this information prior to loan closing, and have provided the online link to the association documents in the past when this happened before, so it is not like they do n't know this. I have a saved email from XXXX of Towne Mortgages employees who fixed this problem for me several years ago PROMISING this would never happen again, yet is has. I will attach that email. Consequently I have withheld my XXXX, XXXX and XXXX payments until the insurance is cancelled retroactively, a new mortgage analysis is done to return my monthly payment to the correct amount, and all late charges are removed from the escrow account. What is most frustrating is that all the times I have tried to communicate this problem to Towne Mortgage in the last months NO ONE other than collections will return my emails or fix this. When I send a form in on their website XXXX no one ever responds to it, when I signed up for their encrypted email and send them a request to remove the insurance off the loan the XXXXXXXXXXXX is restricted and the email gets rejected. When I call and ask the operator for someone, anyones email that can help me, they always tell me to send it to XXXXXXXXXXXX, and guess what happens? - NO ONE ever responds to me. Since I can not get any help, I am sending via certified mail my XXXX XXXX and XXXX payments of XXXX to a person whose name I got who is the manager of loan servicing along with a copy of this complaint. Her name is XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
I called the credit issuer to request a payment change date and they would not change the date unless I made a payment on the current due date. If I was able to make a payment on that date I would not be requesting to have the date changed. The representative was not pleasant and also not very helpful

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.C. System, Inc.
State: VA

Complaint narrative:
IC Systems is reporting a collection account on my XXXX credit report that has not been validated or verified. I have never received anything in the mail from them and then I look at my credit report and they have a {$65.00} collection on there.

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 2016-08-29 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
My son had moved to XXXX and my nephew set up a Paypal account for me. My son was depositing money so I could pay his bills in the state plus deposit money into our account for him. I had withdrawn money and put it into my bank account and then I went to withdraw again and there was a hold on my paypal account. 
I contacted then and they informed me the paypal account was a business account and they needed more information. I told them there was a mistake as it was suppose to be a personal account not business. They informed me they would let the department know and the account would be released. That never occurred and I phoned them 4 more times. I spoke with XXXX and XXXX supervisor who told me that department is very behind and it takes at least 6 months to look at the complaint and it 's been just over 5 months. They told me they received all the paperwork that I sent and that it would be at least another month before it was looked at. 
My son was n't able to start college on time and he 's not getting the interest on his money he would receive in the bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-10 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Google Compare Credit Cards Inc.
State: OH

Complaint narrative:
XXXX had technical issues and was send the request for payments for items I 've not received to Google wallet. I contacted google and the rep took XXXX of them off, and was unable to remove the rest, so I was told to contact my credit card to have the rest removed. So I did. XXXX then suspended my account and told me to verify my Id before they would open it back up. I sent all required documents and they did not open it back up.Visa asked them to verify what was charged and they sent XXXX documents, and it was agreed that those charges were legit and was put back on.. Now Google today after my second call ( The first XXXX was very ignorant. ) Told me now all charges that they can not verify must be back on before they will reopen my account XX/XX/2016-XX/XX/2016.. Now why should I pay for something that I did n't receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
They keep calling outlets not relative to where I reside or would be able to have communication. There is no reason any one other than myself should be contacted regarding my finances or financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I ordered something on the internet and thought I was using PayPal where they immediately take it out of your checking/savings account. Months later I received bills from PayPal with several late charges for a credit card that I did n't know that I had. I called them and told them that I did n't know I even had a credit card account with them, and they removed some of the charges but said I still had to pay {$26.00}, which I did. However, I received ANOTHER bill for late charges because they said I did n't " call back and make arrangements to pay the bill over the phone. '' I told them I had already given them a date that I would pay it, which I did on said date, and they said " you have to call back and tell us that and we can not remove this late charge now because you did n't call us back to tell us the date you were paying. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-12 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
In XX/XX/XXXX I used my XXXX credit card to pay for my severely XXXX son 's XXXX for {$800.00}. However when the provider ( XXXX ) processed the payment, they did so using XXXX different transactions and using a name I did n't recognize ( XXXX ). The next month, not recognizing the vendor name or the amounts on my statement, I disputed them with XXXX. On XX/XX/XXXX the provider contacted me about the charges. Finally realizing my error, I called XXXX back and they immediately re-ran the charges. Those charges showed up as having been charged to my credit card on XX/XX/XXXX. On XX/XX/XXXX, I received another call from the vendor demanding that I write a check for the missing money or my son would n't be able to finish the term ( even though my credit card statement clearly showed the charges and XXXX verified them ). I wrote them the check which they cashed. XXXX uses PayPal as their credit card processor and since XX/XX/XXXX XXXX, who has taken the lead on advocating a resolution with PayPal, has initiated XXXX calls with me and PayPal. On each call we have been told that the money is at PayPal but has NOT been transferred to the vendor 's account. As of today, it still has not funded even though on the XX/XX/XXXX call PayPal assured us that it would be funded by XX/XX/XXXX. Because I paid for the XXXX session XXXX ( even though XXXX has only received the money XXXX ), I did n't have the money to pay for the summer session and XXXX removed my son from the program. Because there are lots of other special needs children on the waiting list, XXXX will NEVER get his place back at XXXX. I believe that PayPal has been holding these funds, while I have been paying interest on them, since at least XX/XX/XXXX. Unfortunately, I ca n't afford to float this kind of money and neither can XXXX, which is a small volunteer-run non-profit organization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A.
State: WI

Complaint narrative:
I an attempt to modify/short sale etc ... XXXX My lender ( flagstar bank ) r has violated every possible servicing regulation, by causing delays failing to accept payments, mishandling my application that led to a denial, failed to send statements, failing to acknowledge my answer to judicial foreclosure. Their violations are clear and ongoing. They recently entered into an order of consent with your agency to comply with federal lws, however they continue to ignore them and are attempting an illegal foreclosure on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Westside Recovery Services, LLC
State: CA

Complaint narrative:
I 've sent multiple requests to collection agency, both regular and certified mail, using their own return envelope that they provided with their collection letter. Collection agency has refused to verify my debt and refused all certified correspondence that I 've sent to them, including Validation of debt request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I currently have a PayPal credit account and have had it for several years now. As of XXXX 2016 i have been unable to use my credit account anywhere. There are no vendors that accept PayPal credit. The problem is : The account keeps wanting to convert the currency used into XXXX instead of XXXX. I have called in to paypal 7 times, reported this issue, submitted tickets and anything else i can do on my end for months. Basically they have told me since XXXX that i need to wait for their tech team to fix the issue, all the while i have not been able to use or spend the money available on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A.
State: RI

Complaint narrative:
Became over 30 days past due on my mortgage loan. Wanted to make a payment online through the bank 's internet portal, which does not carry a fee - but was restricted from doing so due to the past due status. Called in to make the missed payment and was assessed a {$15.00} fee for doing so. Blocking delinquent customers from free payment options and forcing a {$15.00} fee on them for essentially the same service with an agent - with no other free electronic payment options - strikes me as the imposition of an additional late charge beyond what the contract allowed for. 

Additionally, the bank offered a payment plan to allow me to cure the debt over time, which I appreciate. However, each installment under this plan will also be charged a {$15.00} processing fee, which seems again like the imposition of additional fees for customers experiencing hardship. I have agreed to these terms because I want to cure the delinquency.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A.
State: PA

Complaint narrative:
I had previously filed a complaint against Flagstar Bank back in 2014. You should have that complaint on file. Since that time we have gotten no where with the bank. The home was vacated in 2014, we tried to do a cash for keys, a deed in lieu of foreclosure, and a short sale. No one from the bank would answer me, the realtor selling the home or our attorney. We had XXXX offer and the bank would not respond. They just continued asking over and over for the same documents. Once they were sent they would wait a few months and then say they needed new ones or claim they were never relieved. These documents were sent by myself and the realtor. All to no avail. I see a settlement was reached with Flagstar but I see no difference in their mortgage servicing practices. They give me a phone number, but no one answers that phone, you leave a message and no one ever returns your calls. Then every six months or so they send me a new letter and claim they are closing their file because I did not provide them with the information they requested. This is just not true, everything they ever asked for was sent. I also complained to the attorney general in the state of MI, but they referred me to your office.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation