vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-08 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: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
My brother XXXX XXXX had a lease with this property. I stayed with him for a couple months so he had to put me on the lease. Before XXXX XXXX lease was up i moved out of this apartment. I have tried several times to advise creditor that XXXX XXXX is taking full responsibility in this debt as he was the one living there. I was suppose to be removed from the lease as i did not live there. This account is in my name in error and needs to be removed. I have investigated this for a couple years now and have found my lease on where i lived at in this property.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc.
State: FL

Complaint narrative:
A payday loan was applied for in my name in XX/XX/2012, I have had hardship over the past couple of years but I and my family have been threatened 2 times over the past 5 years to be sued for check fraud, when have n't been properly served or notified. My friends are getting phone calls and are given false information. Telling them they are from the XXXX Police Department. When I call they are rude and try to threaten me with a court case if I dont give them money I dont have. Apparently the original amount was XXXX but they are asking for XXXX and more if they go to my district attorney. They give me a confirmation number after I paid them but nothing else. I called the original loan company and they told me they dont pursue court cases. I dont know if this is real.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I C SYSTEM INC ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you I C SYSTEM INC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : I C SYSTEM INC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
Paypal continued to charge my credit card for various services after I cancelled the services directly with the vendors. Then when I submitted a complaint, they froze my account ... ..which makes me unable to unlink credit card and bank accounts from them, and does n't allow me to close my account. It only allows me to continue to pay for Paypal services. After all was said and done, they said they were unable to issue me a refund because I had a preauthorized debit agreement for the third party services. This completely contradicts their Paypal Buyer Protection policies. They never even asked for documentation of my communications with the third party companies that they were crediting my money to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A.
State: LA

Complaint narrative:
Today XXXX/XXXX/15 I received a call from Flagstar mortgage company stated that are returning my check for {$75.00} due to me being delinquent on my mortgage. The young lady on the phone stated that it is there police to not accept partial payment on delinquent accounts. I have been delinquent since XX/XX/XXXX and during this time they have accept partial payment up until XXXX/XXXX/2015. This issue is only one of the issues I am having with Flagstar. this is the second time since XX/XX/XXXX I am filling for lost mitigation with their company. First they denied me because that stated my unemployment would run out by a certain date. this was after going several round with them not reading the paper correctly. On top of this matter the lost mitigation team never received my paper work which I up loaded on Flagstar website. Each time after receiving a call for the collection department stating they did not have the paperwork, and CSA was able to see the uploaded documents, and stated they were forwarding a note up to management and or lost mitigation that the documents are in the system. Both time I had to demand to speak to a manager and directly send them the requested information. And they requested signed copies of the loan process form that I filled out on line. This situation is getting very frustration and stressful. Bad enough I was unemployed and am now underemployed, but for them not to provide the help that stated they would and not. I am following the information my XXXX XXXX adviser stated I should do, but in the meantime I would like to resolve this issues of Flagstar not accepting my partial payment as well as their document uploading process.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
This guy promised to give me my items for XXXX XXXX. I gave him the money, waited a few days for the items to come. I never receive anything, its been like 6 days and he has n't sent me any items of any sorts ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I. C. Systems , Inc. has place a derogatory report on my credit files without proper communication or documented proof of their claim prior to their actions as stated by law. I am currently seeking legal counsel to prove their actions are unwarranted. 

Specifically, I. C. Systems , Inc. is claiming a debt of {$340.00} to which I am pursuing information to determine the basis for their actions. A call to I. C. Systems, Inc. office number as listed on the internet received no answer. 

After reviewing my credit report I see I. C. Systems, Inc. is listed as a collection account opened on XXXX/XXXX/2016 and closed with a balance due of {$340.00} with XXXX XXXX which I have not had service with in over 7 years and I do not have any agreement or contract in writing or otherwise with I.C. Systems, Inc. for this account which is listed as past due as of XXXX 2016. A collection agency obviously can not extend credit to a consumer. 

Furthermore, the State of Georgia debt collection laws states that the statute of limitation on debt is 4 to 6 years depending on the type of debt ( Ga. Code XXXX ) from the date the last payment made. 

I have been informed that legally, creditors must inform consumers that they are pursuing collection of " legal debt '' and provide amounts and dates to prove their claim. I. C. Systems , Inc. have not had any communication with me prior to placing this debt on the XXXX credit reporting bureaus.

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 2015-11-22 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc

Complaint narrative:
I am a stamp collector with an interest in a wide range of areas, including stamp issues of the former XXXX XXXX ( ie prior to independence ). 
I have an account with the XXXX based Paypal money transfer service to facilitate payments to suppliers, none of whom have any connection with the XXXX of XXXX. 
Due to the unsophisticated nature of PayPal 's transaction monitoring process, I have been threatened with closure of my account, despite providing explanation of my activities. 
It appears that Paypal has set up robot scanning of transaction details, resulting in delay or cancellatiion of any money transfer where the word " XXXX '' occurs. This affects attempted purchase of pre-Republic stamps and also of philatelic reference books which logically include the word XXXX '' in the title. 
Transaction interference by Paypal even extends to incidental mention of " XXXX '' in notes being provided for the purchaser 's information which has most recently occurred to me, in connection with attempted payment for non-XXXX items!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Hi I used Paypal to purchase eyelashes online from the individual named XXXX XXXX from XXXX on XXXX/XXXX/2016. However after repeated attempts to contact the seller and try to get status of the shipment, I still did not receive my goods. I wanted to dispute the transaction on Paypal but could n't and received the error saying " We 're sorry, but this transaction can not be disputed because it is not a purchase of goods or services. Please contact the recipient directly. '' However I could n't contact the seller, XXXX at all. I just want my money back at this point so please help me! 
Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 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:
i started using paypal about 2013, never had an issue receiving daily money from cusotmers, as i was a XXXX. during this time i was employed with another company within the same field. Then i decided to expand my product range, so at the time i was unaware of the risk of the product it was, neither was paypal.. After making a few sales of high amounts, paypal, limited my account and asked for verification which was completely understandable, upon verification my account was back to normal, during this time i was building jelesousy of the company i worked with, i started selling on ebay, and very soon, fell victim of a very targetted attack more or less seemed, unstoppable, after making $ XXXX, in sales approximately within 2 months.. i started getting, returns ... ( without the item ), ofcourse paypal in the protection of the buyer issued refunds.. during this time they had already added a reserver to my account which was XXXX % of daily sales, on a 90 day reserve. my account balance was at $ XXXX, with XXXX, in reserve. after receveing numerous disputes regarding items, which it became apparent it was a targeted even bcause all $ XXXX in sales, were disputed. i have shipping records of item being shipped, and yet paypal still refunded money. Paypal during this time, apparently missed 3 years of reesearch and linked me to an apparent account i had 7 years prior to that i had no knowledge, during that time, they did n't ask for a social security number.. 
after figuring out that i was linked they shut me down, i was no longer able to acess my funds, they literally shut my business down. i appealed numerous time, as a matter of fact they even told me that they do n't have to talk tot me because im no longer a paypal user.. -- i said fine. my account was negative XXXX the following day, - wow, they send me an email saying my paypal was restored, so i mmididately paid the XXXX, for them to go right back and limit me once again. i logged off for a few months, and now the account has reached dispute refunds for more thani even generated i called expressed my concern that all the buyers had the common email address and they ignored the fact. .. then about 10 months later i receive notice that i have another account, that was opened by my employer during that time frauduently, ofcouse because they have my id and social they linked me, i asked how they got it, and they replied that i submitted the items to take over an account that is XXXX in the hole.. ... why would anyone want to take over an account that is negative. 
XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LENDER LIVE
State: CA

Complaint narrative:
" Lender live '' is the mortgage company for my rental home. On XXXX XXXX my home was damaged by vandalism. The insurance company covered the claim and sent a check made out to myself and the mortgage company. I endorsed the check and mailed the check certified mail to Lender live. Lender Live received the check on XXXX XXXX, 2016. I never received any correspondence from lender live. I called " lender live '' multiple times, and I finally reached them on XXXX XXXX. Lender live said I needed to send a " statement of loss '' from XXXX before they would respond to my request to release the check back to me. I faxed the statement of loss to lender live on XXXX XXXX. Lender live claimed that never received the fax. After many phone calls, " lender live '' found the fax and said that they needed to inspect the property, and I would hear from them in 7 to 10 days. Ten days passed and I never received correspondence from them. On XXXX XXXX, I called them again and spoke to customer service rep XXXX. XXXX said that the department that handles the checks, " loss and drafts '' requested more paperwork. I asked XXXX when lender live or their department called " loss and drafts '' were going to contact me about the more paperwork. XXXX said that " loss and drafts '' do not correspond with customers. I asked if I could call them. XXXX said no, they do not receive calls or send out calls. 
XXXX stated that she would send another message to " loss and drafts '' to request what was needed, but she did not know how or when I would hear back from them. From the start of the process I have never received any correspondence from lender live. Lender live has a department that is holding a {$21000.00} check. This department does not correspond with customers ; however requires correspondence with customers to release my check. This is an unfair practice to customers and is costing me {$1500.00} a month in lost rent since I am waiting for " lender live '' to releases my check. 

I filed a complaint with XXXX about Lender Live. Two days later I received a letter from lender live stating my mortgage had been transferred to a new mortgage company and I would have follow up with them concerning the insurance check.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Credit card — 
Issue: Arbitration — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
PayPal Credit sold my debt to a debt collection company called XXXX with the following company email address - XXXX without notice. Both Paypal and XXXX XXXX company was misleading concerning who has the debt because they did not clearly identify themselves when clearly asked are you apart of Paypal or a debt collector. I was referred to the email. According to the Paypals arbitration agreement any disputes will be settled with attribution. The company did not follow or offer any remedy of arbitration before they sold the debt. XXXX of the agreement. Paypal also violated section XXXX of the agreement by sharing my information with the debt collector. It was not for marketing purposes it was to collect a debt. Before I had any options to dispute the debt ; the debt was sent to collections. Providing no chance to resolve the issue. Paypal always stated let me transfer you to our other department. Not informing me the debt was sent to collections. The action of the collection company and Paypal never stated in any communication on how to dispute the debt when in collection. However, Paypal did state how to dispute a debt before collection however not in collection. Before I could send any disputes, the account was placed with the collection agency and the notice the collection agency provided did not provide any information on how to resolve the issue except pay them money. The debt collector associated with Paypal violated the law. Specifically, What does the debt collector have to tell me about the debt? 
Every collector must send you a written " validation notice '' telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you do n't think you owe the money. The last option was not give to me. Both companies attempted to hide information from the consumer. As you can preview from the documents attached- Paypal and XXXX XXXX violated - False statements Laws - indicate that papers they send you are legal forms if they are n't. I would like Paypal and XXXX to remove the information from my credit report and mark the balance as paid in full and close the account so no one else can attempt to collect the debt in which both companies violated debt collection practices laws and arbitration laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Paypal decided in the favor of the buyer in dispute case # XXXX. The buyers complaint alleged that they never received items purchased. 

I provided paypal with correspondance that showed the buyer confirming with me via email that they did receive the items purchased. That document is attached. 

Paypal refunded the buyer {$1400.00} after I proved that they buyer not only attended the event they purchased tickets for, but also lied in their dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Mortgage Research Center, LLC
State: AL

Complaint narrative:
A copy of credit reports were received in XXXX 2015. I noticed an inquiry made by XXXX Mortgage. After several attempts with disputing, we were told that the actual creditor was Veteran United Home Loans. I then contacted the company to dispute the inquiry. The initial representative stated permission, to pull my credit, was given by my husband. I then replied no XXXX other than myself can give a creditor permission to access my credit file. I asked for a supervisor, but I was transferred to XXXX and explained my issue. He stated that he could not help me. 
A few days later I received correspondence in the mail dated XXXX XXXX, 2015 accompanied by a letter of denial for credit dated XXXX XXXX, 2015. I called again and requested to speak to a supervisor. The representative took a message and I was later contacted by XXXX XXXX ( XXXX ext XXXX ) Director of Customer Relations on XXXX XXXX, 2015. I explained my issue again and described the documents mailed to me. He also stated that there was nothing he could do. I was told by XXXX XXXX that by law they could pull my credit report, if permission is granted by my spouse. I disagreed, told them their actions were unethical, and again stated I gave no XXXX permission to access my credit file. I informed him of the statement on my husband 's credit report which specifically says to call before extending credit. XXXX XXXX stated there was no such statement on the report. I asked if the calls were recorded? I was told by XXXX XXXX no, because they talk to people in all XXXX states and to repeat a statement letting people know they are being recorded would take too much time. Also, said that recording, in some states, is against the law. XXXX XXXX offered to send a copy of the credit report. When I received the documents I reviewed them and on page XXXX of XXXX towards the bottom of the page is my husband 's statement to contact him. Certain steps are put in place as a measure to prevent fraud and identity theft. This company and representative chose to overlook the statement. 

I repeatedly requested for the entry to be removed without any resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Flagstar Bank, N.A.
State: MI

Complaint narrative:
I applied for an FHA refinance on my home with possible cash out for home improvements at the end of XXXX XXXX through XXXX XXXX XXXX. I currently have a land contract which has a balloon payment due in XXXX XXXX. It took until XXXX XXXX until I was approved for the refinance. Then we had to get the approval for the cash out. The underwriters through Flagstar Bank started to ask for clarification and more paperwork, some of which had already been explained and/or sent to them. This went on for XXXX months. On XXXX XXXX, XXXX, XXXX XXXX XXXX advised us that Flagstar Bank had denied our refinance. This has caused us significant hardship because we are under a time limit due to the land contract balloon payment being due In XXXX XXXX. I feel XXXX months is excessively long to wait for a decision on a refinance. I had the necessary credit score. If they would have given me their decision in a more reasonable time frame, I would have been able to correct the issues that caused them to deny the loan. Now I have less than a year to correct the issues and try to refinance the home. This is causing me significant hardship due to this delay.

Company response to consumer: Closed with explanation