vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-23 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
Excessive hold times on funds owed to me via paypal. I opened an account to facilitate payment to me from a guest wanting to stay at XXXX of my vacation rentals, and they wanted to pay with paypal instead of through my credit card merchant account. After i opened the account, paypal said I would have to wait 21 days before I would receive the payment, which coincided around the time they were supposed to check into my rental. On the date my funds were supposed to be available, I logged in to transfer them and the funds werent in pending status anymore. I contacted paypal and they said I did not verify my email when I set up the account ( I did ) and now I have to wait ANOTHER 21 days before receiving funds. Meanwhile, my guest needed a place to stay on their vacation, so I granted them access to the rental. The guest called paypal, spoke to a supervisor, and paypal told her that they would release funds to me within 2 hours of her call and reverse all the fees they were charging me. Well, the funds are STILL on hold for another 21 days- they did not release funds to me and did not reverse the fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: TX

Complaint narrative:
this company is calling my work phone number daily. Have n't received anything in the mail within the required time frame of them calling me per FDCPA.They only call my work number and not my personal number. This needs to stop as my work number is for work purposes only.

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 2015-05-20 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
PayPal enrolled me in PayPal Credit without me knowing that they had enrolled me and when I made a purchase it went on the PayPal Credit account instead of my regular PayPal account which is hooked up with my XXXX I later tried to purchase antivirus for my computer and it would not go thru then I find out I owed PayPal Credit {$75.00} I have a XXXX of problems with this. 
1 ) I never wanted PayPal Credit because I have a PayPal Account2 ) They should have billed PayPal like I intended them to3 ) I never received a bill or phone call or I would have paid it as soon as I knew about it! 

When I called them and told them I wanted to settle up on the bill when I found out this is why my antivirus purchase did not go thru I told PayPal to charge my Credit Card yet the charged my bank account and caused a couple of my bank payments to bounce!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-15 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: IL

Complaint narrative:
PayPal Credit contacted an individual, XXXX XXXX, whom I know to resolve a debt. PayPal Credit contacted XXXX XXXX on XXXX XXXX and indentified themselves as PayPal Credit and claimed that the call was regarding a collection of debt. PayPal Credit also stated that the debt was mine, XXXX XXXX As a results of this third party collection call to XXXX XXXX, it had ruined my relationship with XXXX XXXX! This has ruined my public reputation!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: CO

Complaint narrative:
They call repeatedly every day while I 'm at work. They have been notified multiple time to stop. They refuse to identify themselves. The information of who this is is based on XXXX searches from the phone number they call from.

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 2015-12-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
This is a long story that started in XXXX 2009. XXXX of all I am a veteran of 13 years in the XXXX and I am proud that I had the opportunity to serve my country. I was a XXXX when I came into a financial hardship and had was not paid by the military for over 2 1/2 months. Immediately when I was told that I was not going to be paid that pay period I knew I was in trouble as my mortgage was due. Well at the time I could n't get any assistance for my mortgage and started getting behind. It was n't till end of XXXX I was getting caught up, but I was n't able to pay my balance owed and the bank would not except anything less then the full amount. I just kept getting farther and farther behind and well life happened. I would continuously call and update the bank with my info trying to get into a some program to stop my home from going into foreclosure. After XXXX chapter XXXX bankruptcies filed to postpone public auction to try and get my short sale approved, the bank finally contacted me and said that my home would be going on public auction and there is nothing I can do about it. Flagstar Bank has always been a thorn in my side and to this day they continue to still be. They are reporting the full amount of the loan XXXX is still owed on my credit report and its hurting my credit in a major way. I know the home sold for XXXX which is about where I was trying to sell my house as a short sale at, go figure that. I have recently disputed my balance on my credit report and they denied the update. I also wrote them directly and got a letter stating that they wont update to the correct balance as the foreclosure is for the full balance and will stay on my credit report for 7 years, which i know but I know that the balance of XXXX is incorrect and should be reported correctly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
PayPal/eBay are holding my funds. Neither company follow Reg CC hold procedures nor do they seem to care.

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 2016-10-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
This collection company appeared on my credit from an account that i believe had to do with ID theft. I filed an FTC report and local police report and it was removed from my credit by another collection company. Seems it has been resold. Please include any signatures of mine you may have authorizing the account.

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 2016-04-30 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: NY

Complaint narrative:
Item appeared on my credit card as a collection from IC Systems with no previous contact or indication from the original creditor. No attempt was made to send a bill from the creditor either.

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 2016-02-01 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
I paid via Paypal a friend for a game currency but then I canceled since it went threw as an echeck then the cancellation said it was successful via Paypal but I check my debits card new posted balance and the {$23.00} is deducted which was the amount I canceled via Paypal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Cohen, Roberts & Associates, LLC
State: MI

Complaint narrative:
Please read : XXXX XXXX 's review of XXXX and XXXX Collections Agency Representative XXXX XXXX of Cohen, Roberts & Associates, LLC. Please find the link below and I would also like to submit email correspondence chains from both XXXX and XXXX XXXX. 

XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Paypal has froze both my personal and business accounts since XXXX. The only response I have is " We would like to learn more about some of your recent transactions. '' I have been on the phone with them multiple times and can not get a straight answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: NM

Complaint narrative:
Sold a car. Buyer deposited XXXX into my Paypal account then on delivery and acceptance deposited {$9500.00} on Sunday XXXX XXXX, 2016. On Monday at XXXX ; XXXX XXXX. I transfered the total, {$9900.00} to my bank account. Three days and six hours later nothing is transfered. My bank says " as soon as we have your transfer we will put it in your account normally XXXX to five days '' I asked why XXXX five days and my bank says they do n't know. Pay pal says the have sent the fund to the Federal Reserve where it will be processed and sent on to my bank normally XXXX to 5 days. I asked why XXXX to 5 days and Paypal says the do n't know probably a Federal Reserve policy. I ask why XXXX to 5 days when XXXX XXXX can do it in XXXX to 4 hours? I suggest that I should have suggested a XXXX Bus as it would be faster than XXXX to 5 days. Federal Reserve that they receive a " file '' of transfers from Paypal with instructions for the Federal Reserve to not release the funds for two days. 
Questions. Is Paypal making very short term loans like the overnight bank loans with my money? Why the two days at the Fed? The Fed says they process the transfers four times a day seven days a week. that is Paypal doing with the other two days?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I attempted to send money to a friend using Paypal. Paypal states that there will be no fee for this service of sending money from one person to another. In addition, I was provided with a receipt showing the amount that I sent and that my friend would receive the same amount with no fee. However, when my friend received the money, a fee had been deducted, even though this was not disclosed at any point in the transaction. I attempted to contact Paypal to resolve this issue but only received an automated response with cut & paste listing of their fee policy. This policy again stated that there was no fee for transferring money between people, in contradiction to the company 's behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 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.

Complaint narrative:
I am disputing a collection from XXXX XXXX XXXX ( in the amount of {$280.00} dollars ) that has appeared on my account. I have already paid in full the amount that was owed for the services performed. There should not be a collections on this account as the Original Creditor has already received complete payment as noted above, and this collection appears to be an error.

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 2016-08-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Flagstar Bank, N.A.
State: IL

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX : Refinanced my HELOC about 4 years ago. They represented it as a 30 year fixed loan for about $ XXXX. I asked for a letter confirming this and got it. 
About 2 months ago, Flagstar Bank XXXX XXXX notified me they had possession of the loan and I was to repay them. No one knew anything about the 30 year fixed loan from XXXX. Weeks later I got a notice to pay $ XXXX in back interest on the loan. I protested and they backed down. Now they 've decided the full amount $ XXXX or so, is due on XXXX XXXX, 2016. They declined my request for a refinance. Something is very wrong here. Can you help?

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: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A.
State: ID

Complaint narrative:
Flagstar Bank would n't let me make a payment on-line like I do every month because they blocked me, instead they called asking for payment, added a {$20.00} late charge which is fine but then added another {$15.00} phone fee charge and didnt tell me they were charging me the {$15.00} phone fee. I feel this is an unfair practice!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rainier Financial Group, LLC
State: UT

Complaint narrative:
I have not done business with this company and they 've been calling my number about someone else 's bad debt. This company has called for two months now. I have called them on THREE various occasions to inform them that the person they are trying to reach is NOT at my number. Each time they have apologized and said they will remove my number from their records. They have not. Calls continue and I am sick of trying to work with them directly.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CO

Complaint narrative:
I have paid this debt 2 times and sent several collection agency proof of paid but I still get letters every year.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Continental Services Group, Inc. d/b/a ConServe
State: MD

Complaint narrative:
I am currently being garnished by an organization that says they represent the DOE ( dept of ed ). They have taken over {$3000.00}, but have not given ANY of it to the DOE. I ca n't get anyone to verify the actual amount of the debt so we can pay it off and no one at the DOE will speak to me. ( they said we need to deal with the servicing agency ) ( Comserve ) I am willing to pay it off IF I could get a definitive answer as to the amount of debt. No one will give me any paperwork from Comserve ( they say by MD law they do n't have to ) NO one will talk to me at the DOE, they say we need to deal with the agency. Can you help me get an answer from the DOE? I would like to talk to you in person if possible, but an email/ letter with a point of contact at the DOE is really all I am asking for. Thank you in advance for any help you can provide. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Continental Services Group, Inc. d/b/a ConServe
State: TX

Complaint narrative:
Was unaware of debt owed and no contact was attempted by the collection agency or the school. I found out when I received an email from my credit report monitoring company contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
RUSHMORE LOAN MANAGEMENT SERVICES, is attempting to foreclose on my home XXXX XXXX 2017 with an assignment that been robo signed. I asked for proof of claim and debt validation none of my request have been responding to. I also mailed a QWR, and it has been responded to either.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc.
State: CA

Complaint narrative:
I received a letter in a name close to mine asking me to settle a debt. I do not know this company or owe this money.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OR

Complaint narrative:
I had a loan which was due XXXX XXXX. I spoke with a customer service agent at the XXXX XXXX, XXXX, Oregon store as I was n't going to make it in to the store to pay it on that day. The gal told me that it would automatically go to the bank as a debit card charge that night. I said that was fine. The amount never deducted from my account and when I called the following Tuesday, XXXX XXXX, the customer service person told me it was declined for insufficient funds from my bank. I promptly went in to my bank and confirmed the charge was never presented to the bank, and never declined. I brought a printout and the bank teller 's name and phone contact to the XXXX XXXX store, and the gal told me there is a {$20.00} charge on my account and that it is in collections,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Inaccurate and old reports on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: FIRST GUARANTY MORTGAGE CORP
State: VA

Complaint narrative:
Refinance transaction with XXXX started on XXXX/XXXX/2016 with rate lock at 3.25 % followed by document submission and appraisal. Good mortgage failed to properly disclose timeline throughout the process, mandated a close on XXXX/XXXX/2016 without providing closing documents to borrower with adequate time to review ( less than 4 hours ), continuously changed closing amount, refused to close in XXXX because it would have " more work for them '' and used pressure sales tactics throughout.

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 2017-02-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
I am a minority, single, elderly woman in Bankruptcy Chapter XXXX and I was working with XXXX to modify the mortgage. Now they have locked me out of my own house! They have a sale schedule on the XXXX of XXXX and I ca n't enter my own house or get my personal belongings! This is illegal! XXXX either sold, owns, or is the servicer of the mortgage to XXXX XXXX XXXX / Rushmore address. I send a Qualified Written Request letter to all companies to find out who the real lender is. I am also challenging all the security deeds as they said that myself and my ex-husband XXXX executed them and that XXXX is out Attorney in Fact. The attorney for the Servicer who notified for regarding the Sale set for XX/XX/2017 id XXXX XXXX, XXXX at XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. The Notice of the Sale and security Deed is XXXX ( XXXX. as Nominee for XXXX XXXX XXXX, transferred to XXXX Investors. I spoke with Rushmore 's representative and I told them that I was presently in Bankruptcy Chapter XXXX but wanted to do a modification and asked them to send me the paperwork. The representative said that would not be a problem and that they would work with me on modifying the mortgage. I also told her I wanted to make sure of the real owner the mortgage as XXXX send me another letter saying they are still the servicer. Then I received another letter that XXXX was and another that Rushmore was. This IS very confusing and unethical! I never received the paperwork for the modification and then received a notice of from their attorney, XXXX. I replied to the attorney in XX/XX/XXXX and let him know I am in Bankruptcy as all their correspondence said they were a debt collector attempting to collect a debt. The next correspondence I received was a Foreclosure Sale set for XX/XX/XXXX in 3 weeks. I called the representation and explained again that I had never received the paperwork for the modification. She then told me it was too late to do a modification and that it was set for sale. I explained again that I am still in bankruptcy and she argued with me and said my bankruptcy was dismissed which it is not! I told her they could contact my attorney and he would tell them I am still in Bankruptcy. She said there was nothing she could do. I am still in Bankruptcy and it is active. My attorney 's name is XXXX paperwork and case number attached. The representative said I have 3 weeks to get my furniture and personal items out of my house or I would lose even my personal belongings! XXXX

Company response to consumer: Closed with explanation