vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
The Value on my property has gain enough equity to qualify for XXXX % to XXXX % LTV to remove my PMI. I have proven this with Comps and by consulting with a local appraiser and I sent in a written request to my Bank Flagstar requesting the Removal of the PMI. My bank Flagstar Mortgage keeps giving me the Runaround in regards to the process in which they require me to take in order to remove PMI. I have been told different procedures by XXXX different representatives, I have been told that they will send me a letter explaining what to do and I have not received anything, I have been told that I will get a return phone call and still no return phone call. I have been told that they lost my paper work and that an error cancelled my process. This has been going on for over 2 months and I still can not get an answer on what to do. I have no problem getting an appraisal. A rep from flagstar told me that a letter that will be sent to me states that I need to get an appraisal from XXXX XXXX so I contacted imortage services and imortages services said that the appraisal is {$350.00}, but Flagstar says they wants {$460.00}. I will pay the {$350.00} but feel that I do not need to pay Flagstar an extra {$100.00}, this is extortion. However I still have not received any letter. I have been lied to, ignored, and have spent countless hours of my own time trying to get an answer.

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 2016-05-13 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: MD

Complaint narrative:
I went to XXXX XXXX ( aka XXXX XXXX ) in XX/XX/XXXX/ XXXX XXXX. First I went for XXXX & then I went for doctor 's visit/ XXXX. I paid for both visits in XX/XX/XXXX. I have receipts for the visit - printed & credit card tape. In XXXX XXXX I started receiving calls from a collection agency. I provided copies of the receipts from the payment as well as a copy of my bank statement with the money coming out of my account. The collection agency said they could not stop calling me until the office told them to stop calling me. I sent the receipts and a letter of complaint to the doctors office and I fired my XXXX that I had been going to for approximately XXXX years because I had recurring billing problems with them in XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. They did not acknowledge the letter or the receipts. They did not call off the collection agency. However, I know that they did receive the letter and receipts because when I went to my new XXXX this year, instead of sending my medical records that I requested and paid $ XXXX- {$25.00} for them to send, they sent a copy of my letter of complaint and my receipts. 

I do not recall the specifics of the issue with the XX/XX/XXXX bill. I have been remiss about checking my credit. I think they charged an old insurance instead of a current one. However, I thought it was resolved long before my appointment in XX/XX/XXXX. Additionally it did not show up as a previous balance on my invoice for XX/XX/XXXX. 

How do I get them to resolve this? 

Note : I do not have the copies of the invoice & receipt with me. I would like to opportunity to upload them later even though they already have them. I did upload my bank statement that shows the money coming out of my 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 2015-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: CA

Complaint narrative:
I contacted the collection agency and original creditor who have contacted me last year, in good faith, to inform them that they are attempting to collect from the incorrect person with a similar name. I checked my credit report yesterday and I noticed that this collection agency has placed this debt on my report as well as false information to the credit reporting agencies. I have never had an account with this agency or the original creditor. 

This here is a XXXX and last attempt for this company to remove all personal information including, false name, phone number ( s ), address ( es ) and debt they have furnished from all credit reporting agencies. This agency is in violation of of the Fair Debt Collection Practices Act Section 807. False or misleading representations [ 15 USC 1692e ] Section : ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 

Any attempt from this agency to contact me other than to apologize for ruining my credit and to remove their false information from my credit reports, will be seen and used as false statements of their misrepresentation that I owe them as well as false information provided to the credit reporting agencies. This agency has 30 business days to remove all information they have furnished to all three credit reporting agencies including, name ( s ), address ( es ), phone number ( s ) and false debt. If this agency does not comply with the law, I see no other option but to file legal action against them. 

Further, this agency has violated the of the Fair Debt Collection Practices Act Section 805. Communication in connection with debt collection [ 15 USC 1692c ] ( b ) COMMUNICATION WITH XXXX PARTIES. Except as provided in section 804, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than a consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

Due to their violation of the law, I, a third party, now have the consumer 's information including their debt, phone number, name and address. These violations need to be corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-04 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I signed up for a PayPal account through their online portal. At no point did I authorize or give information for a line of credit through PayPal. Without my permission, PayPal did a hard credit inquiry on me and opened a line of credit in my name. I closed the credit line immediately upon realizing, which was extremely difficult to do as PayPal customer services was evasive in my attempts to close the account. I am now left with a hard inquiry on my credit report, and as a young person without longstanding credit, this inquiry is causing a decrease in my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info — 
Company: Google Compare Credit Cards Inc.
State: VA

Complaint narrative:
On XXXX XXXX, 2016, I received an email from Google that my Wallet account had been suspended and ultimately closed for " suspicious activity ''. I tried on numerous on numerous occassions to find out what activity Google was referring to because I had no used the Wallet accont for a money transfer since XXXX XXXX, 2016. I hit brick wall after brick wall because I was constantly told referred to the Terms of Service which state that Google can close any account at anytime for any reason without notice. I find that to be awfully unfair since I have an Android phone, and I can no longer make any purchases through the Google Play store by billing it to my XXXX XXXX XXXX wireless account. This creates an unnecessary burden on me. It would seem that this violates the FCRA and Title! 2 of the UCC. Communication with the group that makes these decisions is nearly impossible because is only through email. This is hardly satisfying.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: FACTUAL DATA CORP.
State: KY

Complaint narrative:
There was fraud on my account and does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
In Paypal I have always set the currency conversion process to my VISA card so my card issuer will determine the foreign exchange rate to apply to my transactions. 
Lately, now just before XXXX, Paypal has began forcing users like me to only use their own currency conversion process.This scam began little by little for a about a year ago when this option who is still visible in paypal accounts was set inoperative was forced to pointing only to PayPal 's own conversion process option as default. To fix this scam without any notice whatsoever, only observant and awakened users has for the last year been able to change this option manually at payment transaction checkout ( manually for each transaction ). Lately, now just before XXXX, Paypal has also now began forcing users like me to only use their own currency conversion process, without any ways of changing it. I myself is a educated computer engineer and this easy task goes against everything I 've learned in programming. It is just not possible to make such small technical issue become so big and long time problem as it has become. And now the final evidence that this is a big scam came lately when Paypal removed all options to use my own VISA card issuer currency conversion process and point it only to PayPal 's own expensive conversion process. I lately contacted paypal again but they only mentioned that this is a technical issue and that they are still working on in spite they have had a whole year to do it now!!! and even when I know this should be very simple. Later the same day when I told them I was going to tell the world about this scam they reacted to send me som other hidden option that did not work eithe or would fix the problem!!! 
Here are the originale option who now it set inoperative in paypal XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Crosstown Law, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX is sending me collection notices on XXXX accounts. I am currently and actively being pursued by XXXX XXXX XXXX on XXXX of these same accounts ( these XXXX originated as XXXX Credit cards and they were mine ). The XXXX account they say originated with XXXX. 
I called XXXX to verify the debts and amounts and was told that XXXX now owned the debt. I have sent a written request to XXXX with a copy of the XXXX letter asking if they have sold the debt to XXXX. They respond they still own the debt, but wo n't provide me with further information. 
I have no recollection of a XXXX account. I called XXXX Credit cards and they researched my social security number and found no accounts with them. The XXXX Chase Cards appear correctly on my credit report as charged off, but there is no record of any XXXX chargeoff until XXXX starting reporting it. 
I have contacted XXXX repeatedly ( including certified mail ) asking them to verify the original accounts, current calculations, date of last payment, and proof of their ownership. 
Instead I get a letter from " Crosstown Law Firm '' with none of the information requested, which I am entitled to by law. Furthermore, the letter gave me 5 days to respond ( letter came 20 days later ) or I was validating the debts -- also illegal. 
The amounts they are reporting are not correct on the XXXX XXXX accounts, and the XXXX is crazy ( {$61000.00} )! 
The person signing the letter, XXXX XXXX, is not licensed as a lawyer in MN, though the letter gives the impression she is a lawyer. 
They have re-aged the XXXX debt incorrectly ( and added them together a couple of times ). This debt went into arrears in XXXX 2009, and they are reporting last activity as of when XXXX charged off the accounts and sold to XXXX. 
I believe these actions by XXXX are completely fraudulent. They respond to my requests with threatening letters and are still reporting incorrectly on my credit report. 
I had credit issues years ago, as the result of unemployment. We are now getting back on our feet and trying to fix stuff, but I believe XXXX XXXX is praying on me and does not own the XXXX debts, and the XXXX account is a fabrication.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.C. System, Inc.
State: GA

Complaint narrative:
after requesting a Debt Verification letter I received the letter from the collection agency, stating they were unable to validate.

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 2015-11-17 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Paypal Credit ripped me off. Signed up for a credit account that was " No Payments and No interest on purchases for 6 months ''. I made a charge of {$1500.00}. Two months later, I purchased something for {$50.00}. I was charged interest on the {$50.00} charge. I found out after calling Paypal Credit that " if I read the fine print '', I would have seen that the " promotional '' 0 % was only for purchases {$99.00} and up. However, they did NOT make that clear when I made the {$50.00} purchase. If a credit card company is advertising " No Payments and No Interest for 6 months '', the assumption to any consumer is that is the case. As someone who has a stellar credit rating ( because I watch my fiances like a hawk ), this should not have gotten past me. So, I can only imagine consumers who do n't look as carefully getting ripped off by these crooks otherwise known as Paypal Credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-20 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Paypal recently gave me a credit line of, I believe, {$600.00}. I have no intention of using it, but I suppose it 's okay to have. 

I recently ordered tea online for {$16.00}. I knew that I had a balance -- I even checked it -- of {$17.00}, not credit but actual funds I had leftover for some reason and so I used my Paypal account to pay for the order. 

More recently a friend paid me back for dinner and drinks a week or so ago. In attempting to send them a request for the money, to make things easier, I noticed that I had a " payment '' due for the online tea purchase. I was annoyed that the {$17.00} balance had n't been used. Instead, Paypal chose to apply their credit line to the order, something I was never asked about or approved. 

Now, I 've apparently missed the due date for the {$16.00} payment and I see that they 've added an additional {$16.00} " late fee. '' I received no paper statement, no email statement and no text message alerting me to the supposed due date and therefore missed it. When I had noticed it I made a mental note to address it but I apparently waited too long. 

Now, in attempting to call the bank that supposedly handles the credit line, because it is n't Paypal proper, I get a run around as a recorded voice verified that I was human with two super basic questions and then informed me that I could call back in 24 hours. I then attempted to call Paypal only to be told that " the current wait time is ... one hour and four minutes. '' This is another predatory bank stealing " late fees. '' I intend to contact a human operator, have them rescind the charge and then close out my credit line and Paypal card. I do n't need this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
The credit card I received from Barclays expressly said on the advertising that there was no annual fee. I have the original paperwork I received from Barclays where it states that there is no annual fee. They charged me an annual fee. I disputed it in writing, and sent via certified mail. They did not respond within 30 days, and have not acknowledged my dispute. It has been several months, and over time they have added late fees and harmed my credit reports. I also telephoned them ; they told me that they were investigating, and promised in writing to remove the negative information on my credit reports within 1 month. More than 3 months later, they finally removed the charge, but the damage on my credit reports remain, and there is no indication on my credit reports that the charge was disputed. 
Barclays sent me a letter claiming " We called you several times to discuss your concern, but were unable to reach you. '' I do not remember received a phone call related to this, but I know that I telephoned them starting in XXXX over this issue, and again in XXXX and XXXX. 
I believe this problem occurred because I originally applied in XXXX for a Barclay Arrival+ Mastercard that did include an annual fee. Before the annual fee was charged almost a year later, I called to cancel the card. Their sales team convinced me to switch to their fee-free card ( the Arrival Barclaycard Mastercard ), and I agreed. I received the new card in XXXX XXXX, with new terms and literature showing that there would be have no annual fee. After 10 months, I was sent a courtesy letter informing me that I would be charged an annual fee. But the letter did not state that it was a change in my card terms of that I otherwise could avoid the fee. I telephoned, and the account representative confirmed on the telephone with me that my product has no annual fee. I then carefully watched for my XXXX bill, and found that the account representative was wrong. There was an annual fee charged even though Barclays allegedly converted my card to a card without an annual fee.

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 2017-01-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A.
State: MI

Complaint narrative:
I lost my job and I am late on my mortgage payments. I want to work out a suitable solution for the bank and myself. The bank sent me a packet, I completed it and returned it to them. Approximately XXXX later I received a notice that my submission was incomplete and I needed to resubmit certain documents. I faxed these docs to the number listed. Another XXXX weeks passed and I received a document taped to my front door saying my home was scheduled for Sheriffs sale on XX/XX/2017. I am just looking for an opportunity to solve this issue, to include selling my home if necessary. I just need to speak with someone that has the ability to delay the sale so we can work out a resolution in good faith. 
Thank you.

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 2017-03-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Pay Pal holding my money and then putting me in collection for a {$3.00} negative balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I was granted a forbearance of my student loan with Navient in XX/XX/2015 after receiving an email about my account being past due for XXXX, XXXX, XXXX, and XXXX of that same year. They had sent me an email to reply " yes '' to a forbearance and that is what I did. That email stated that this would bring my account current. 

My approval email stated my forbearance request was approved and that payments were to resume on XX/XX/2015. My credit reports from all 3 bureaus are still showing 90 and 120 days late for those 4 months. I would like these late payments deleted from all 3 reports because this is a violation as per the FTC Advisory Opinion on Section 623 ( a ) ( 2 ) of the FCRA. I have been in several forbearance periods on this same loan since then and the payment history IS being reported accurately on those so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: CA

Complaint narrative:
IC Systems has regularly and consistently called my phone number with the intent to harass or annoy. Calls are placed using an auto dialer and I when I answer the call is disconnected. Even though I have repeatedly announced that I am on the line and can hear agents typing, talking and laughing, the call is always disconnected by IC Systems. No matter how many times I have answered the call they continue to hang up. 

Additionally, when IC Systems first contacted me via mail about this bill, I responded by calling and letting them know this debt was disputed with XXXX Hospital and was under a Quality of Care review. The hospitals administration has admitted that the care received was not up to standards, including potential exposure to XXXX and XXXX due to staff failing to properly follow equipment sterilization processes, repeated lost XXXX and failure to be seen by a physician ; ultimately resulting in my leaving the hospital without care. A review of my file with the hospital administration showed it was hours before the hospital and staff realized I had left without being seen or discharged. 

I am asking IC Systems to cease contacting me and return the debt to XXXX Hospital to be forgiven. I do not feel like I should pay for substandard services that potentially endangered my life. I am also requesting this item to be suppressed and deleted from my credit bureau 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 2015-03-30 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Billmelater charged me a late fee of {$35.00}. When I called in to make the payment in XXXX the system told me the payment was due so I made it. I had already made a payment earlier that month. So, when I went to pay this month they said I was past due and charged me a late fee. My payment was made XXXX day before the cycle date. This ended up being the XXXX payment I had made for the month of XXXX. They refused to waive the late charge.

Company response to consumer: Closed with explanation