vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION
State: DE

Complaint narrative:
This is my second complaint against Credit Acceptance Corporation and their continual use of harassing behavior. I am a customer who has never sent a payment 30 days late since I obtained the loan with Credit Acceptance on XX/XX/XXXX. On XX/XX/XXXX, I received a notice from Credit Acceptance detailing their intention to repossess my car. The letter was sent from them on XX/XX/XXXX. Here lies the inconsistency. Credit acceptance sends the letter on XX/XX/XXXX and the coupon book that I have in my possession states that if a payment is received after XX/XX/XXXX that I will be assessed a late fee which implies a grace period. On XX/XX/XXXX, I paid my car note in the amount of {$330.00}. I have advised Credit Acceptance continually of my intent to pay and I have been a loyal paying customer since XX/XX/XXXX. I have requested a copy of my late fees, which I am not in agreement with, from Credit Acceptance which I have never received. I believe Credit Acceptance is harrassing me in retailiation of my first complaint to Consumer Financial Protection Bureau Agency. There is not reason for them to have the intent to repossess my car when my track record shows my history of paying them. The past due amount stated on the notice is {$370.00} which includes my monthly payment of {$330.00} which was paid on XX/XX/XXXX and {$49.00} in late fees which I requested documentation for and never received but paid on XXXX. Please stop the harrassing behavior. Companies do not send letters of intent to repossess a car that payment is not 30 days late unless the intent is to harrass. Since the history of my loan with Credit Acceptance my credit report shows XXXX for no late payments which they indicated so why would they want to repossess my car. CFPB, I need your help to stop this harrassment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I paid my debt of {$190.00} on XXXX XXXX, 2016 to XXXX. I repeatedly get letters from Transword systems inc. Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A.
State: OK

Complaint narrative:
I have been in default of my mortgage, and since i was not able to keep up with the payments due to some unforeseen circumstances, they offered me to do a loan modification. I finally went ahead and did the modification ( even tho I was skeptical about it ) but in the process they said i would still have to make payments on my home so i would not lose it while being considered for a loan modification. I took a loan out on my XXXX OVER XXXX and flagstar said it had to be a cashiers check, well I followed every instruction that was given to me at the time, but no one ever said it is in underwriting and had then been approved until i applied the cashier check to re-instate the loan. Come to find out, I was not suppose to re-instate the loan while under a modification. my contact person said it would be okay, just keep paying the amount of the loan modification and once the trial period of XXXX months the modified loan will be determined and papers would be sent out with the new modified permanent rate, I would need to sign them once I get them and return them as soon as possible.. I paid it as instructed, this was from XXXX of 2015 until XXXX 2015. When I called loss litigation to make a payment for XXXX 2015, the rep said I have re-instated at my initial mortgage amount that I was never told about via phone or mail, email. this is an amount I am unable to pay due to my financial status, not one time before i made the lump sum payment after taking a loan out, was I told not to do so, that it would reinstate me and cancel my loan modification. now I am not sure what is going to happen. I feel i was miss-informed or better yet not informed on what not to do as oppose to what i should do. i may lose my home and plus have almost depleted my XXXX because of it. on top of that included in the fees I had to pay the late fees, which would have been forgiven if i was instructed not to pay the lump sum, and paid the attorneys fees the went through.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, XXXX XXXXFederal Consumer Protection BureauTo Whom It May Concern : XXXX XXXX 2014 XXXX Mortgage sold my mortgage to Carrington Mortgages Services XXXX. From the mortgages Origin to this date I have never been late or missed a payment. 

Recently I have tried to refinance some of my properties and having pulled my credit report my Banker noticed in the comment section of all three agencies " Mortgage in Forbearance '' I called Carrington to find out why this was on my credit reports and I was told I had to make a written request for an investigation. I asked to speak with a supervisor to explain why they could n't tell me why a mortgage that has never had a payment missed would have such a notation on it. After being put on hold for 15 minutes the attendant said to me that there were a number of mortgages recently bought that had errors noted on the reports. He said I would be receiving a letter explaining this and the credit reporting agencies would be updated with that correction and removal of the erroneous comment. I asked for an email of the letter and was told they could not do thatTwo and half weeks have passed with no letter in the mail. I called today and was told I would have to send a letter requesting the letter they said they would send 2 weeks ago. 
I flat out refused and asked to speak to a supervisor. Again being put on hold for 15 minutes the attendant came back to say that he sent the request to the document department and I should be receiving the letter or their error in several days. 

Since my first contact with this company I have been treated like some kind of deadbeat. First by their greeting on the phone of " We are a debt collector attempting to collect a debt '' and subsequently their comment on an otherwise pristine credit report. XXXX times after asking to speak to a supervisor the attendants returned to say I did n't have to do what they insisted I do to get an answer in the first place. 

This is no way to treat a customer and to do fair business. My hope is that Carrington Mortgage Services is reprimanded for their failures to service me as good customer, treat me fairly and with respect. Needing to demand to speak to a supervisor is no way to get simple requests like an explanation or a letter explaining fault. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I was told by a person claiming to be XXXX XXXX XXXX who claimed to work for XXXX that I needed to purchase anti-hacking software from XXXX.I sent them {$250.00}, but never recieved the activation code for the software.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I signed up for Paypal where I entered my credit card and expected that card to be debited for all transactions where I selected the Paypal option. 
I was recently contacted by Paypal for an overdue loan through their lending services. I did NOT sign up for a loan of any kind, especially one at 19 % interest when the card I chose to debit was only at 8 %. I do not know how to get this loan canceled and the late fee taken off. This enrages me that I could be signed up for something I did not agree to in any way. There is no form with my signature, nor an application for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
On XXXX XXXX, 2014 Paypal " limited '' XXXX of my accounts with them, which is a friendly way of saying they locked the money in them and wo n't give me access to it. Although they refused to explain why they did this, they did tell me that my money would be available 180 days after they " limited '' my accounts. Now that 180 days has passed they 're still not letting me withdraw my money. I have {$1000.00} locked away in XXXX account and {$990.00} locked away in the other account. Can you send them a friendly reminder to follow their own terms and conditions and release my funds to me?

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 2016-06-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A.
State: AL

Complaint narrative:
WHAT HAPPENED Describe what happened so we can understand the issue ... 
After returing home XXXX in XXXX. I was unabled to work. I worked hard to pay bills, but we were n't making ends meet. I was making progress with my VA claim for benifits, but it is a very long process, which reguires several appeals to complete. We started having trouble meeting our mortgage payments, and contacted flagstar bank to help us work something out. I mentioned the Obama mortgage help plan, the lady i talked to said they could work it out, but i had to be three months behind on our mortgage in order to qualify. She said not to make payments, partial payments were unexceptable to flagstar, although i offered.After the three months elapsed i started getting default letters and harrassing phone calls. I explained to them the conversation i had with the Flagstar rep, they said they would look into it. I called her back and she said it was to late now, and that my mortgage was in default. She had a very bad attitude, and refused to talk to us any further about the matter. Flagstar claimed they sent everything to their attorneys and there was nothing furthur they could do for me I explained to them that my VA money would be coming soon, and that this just can '' T happen to me They became agitated and rude, and said i have to go to the attorney. Shortly after that conversation i received a letter delivered by the sherriff department, that my home would be autioned off in a couple of weeks.Luckily, the backpay check came in at the last minute from the VA & gt ; I was able to pay the rearage, plus attorneys fees and keep my house. We were victims of a dual tracking procedure, commnly done by banks. I had no idea until recently what dual tracking meant, and that it is against the law. I should have never been treated this way. XXXX. And am now XXXX VA XXXX. I should have been priority to them for the obama help. But Flagstar cared less. I believe we were told not to make payments even partial ones, in order for flagstar to buy time, to justify foreclosure. I have always had good credit, and owned this home since XXXX. The foreclosure status is still on my credit report. Flagstar refused to have it removed.

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 2015-09-30 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
I opened an account with PayPal thinking I could get started on doing business with them and I added money to my account using a mycash code, which I guess they do n't really like people using so much but if that was the case why have it as an option to add money? My account has had XXXX credit card chargebacks since XXXX XXXX and I have XXXX open disputes and claims even though the account has only been open for a about a little longer than a month. There is no reason for holding XXXX dollars that I recieved as a gift since XXXX XXXX, 2015. From the research I have done, there is no legal justification to hold my money for this amount of time either, regardless of what your terms of service say. PayPal has taken my money from me and is basically telling me because they feel as though I 'm s " risk '' they reserve the right to not do business with me and keep my money for 180 days! This is unfair and I have things to do and pay for. It 's wrong for a company like that to take people 's money like that and decide when it is okay for them to give it back. I 've uploaded all necessary documents they 've asked for and they said that it was all okay until I spoke to XXXX rude reps over the phone that basically said they needed my Ssn again after the tenth time of uploading it!! They keep asking me for documents that I 've already uploaded and are making excuses at this point! I will forward the complaints to your office as well. I am a reasonable person and all I am asking for is the release my funds now. Thank you for your attention and I am sorry we were not able to come to an amicable solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
We refinanced our condo in XX/XX/XXXX for {$50000.00} using ocwen loan servicing. In XX/XX/XXXX due to an income reduction we fell behind approxiamately XXXX or XXXX months. Using the HAMP program we were given a proposal for a loan modification. When I inquired from an abroad ( not in usa ) phone agent about principal reduction or fees waiver I was told that if we wanted either we would have to start the process over again. Feeling pressured that if we did n't accept we would be viewed negatively as not accepting the HAMP program. So we accepted the modification & the interest rate went from XXXX % to XXXX % & the monthly payment went down at most XXXX XXXX As a result after XXXX years of payments the principal is approximately XXXX $ with a ballon due in XXXX of approximately XXXX XXXX So after XXXX years of payments we have reduced the XXXX $ refinance by less than XXXX $ and still owe over XXXX XXXX This may be legal but it does n't seem moral or ethical for a XXXX dollar organization to take advantage of a seniors couple in financial straits.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: VA

Complaint narrative:
I transferred my Internet, TV and phone from XXXX to XXXX at the end my XXXX billing period on XX/XX/XXXX. XXXX was installed and working on XX/XX/XXXX. All XXXX equipment was returned to their local store and I have receipts for everything. Now XXXX has deliberately and falsely billed me {$780.00} for XXXX unreturned set top boxes, taxes and for a period after disconnection and XXXX installed and turned collection over to XXXX firms in XXXX different states. This is common billing practice for a firm well known for outrageous customer service that keeps billing and collection actions separate from other services. I 've experienced similar treatment before with XXXX Phone service. But as customers have only XXXX choices. They can get away with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
This complaint stems from a dispute to a charge on my PayPal account. The primary reason use PayPal is for the protections I thought they provided. That and until very recently had no choice when using ebay although I still chose to use PayPal for the protection. I found myself in a bad situation where a seller on ebay sent a defective item and in the end, PayPal refused to provide the protection that they are compensated for. Processing companies make insane money for what are mostly automated transactions. They earn their money when consumers need protection and that includes against unreasonable policies where in this case, it ended up being PayPal 's policies and inability to apply common sense to the situation. After spending {$130.00} on the water heater which was defective upon arrival, the seller and PayPal found it reasonable that I would then be required to spend {$90.00} in return shipping since the seller was out of the country but yet chose to do biz in the US and knowingly is offering products where such issues will be inevitable from time to time ( no manufacturing process is perfect ). This is the perfect situation where consumers need the protection that a processing company should provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I was buying an item on ebay. I went to pay with my paypal account. They redirected my request without telling me. I thought I was confirming my ss # and email for security purposes for the purchase, the next thing I know they setup a credit card account in my name. This is not acceptable. I called to have the account closed and credit inquiry removed. They said they could not remove the credit inquiry. I am in the middle of applying for a home loan. This should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: I.C. System, Inc.
State: CA

Complaint narrative:
On XXXX XXXX, 2016, IC Systems placed a derogatory report on my credit report for what is described as " XXXX XXXX ''. I was never contacted about this account. I have disputed that this account belongs to me with the credit bureaus. By Law, IC Systems is required to contact me and at my request, provide me with proof of who owns the debt, who owes the debt, what the debt was for and the time frame the debt encompasses. IC Systems has done none of this. In fact, they have violated several FTC rules : 1 ) 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. I was NEVER contacted ... ... EVER. 2 ) Debt Collectors may not : give false credit information about you to anyone, including a credit reporting company. By reporting to the credit agencies without contacting me and proving/validating the debt, they are providing false information to the credit reporting agencies. 
If the debt is indeed mine, it is over six years which is the Statute of Limitations in Arizona. This also makes the debt noncollectable. What IC Systems is doing is fraudulent and intimidating. Plus, my credit score dropped XXXX points the day their report hit my credit 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 2015-05-24 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 became a victim of ID theft in XXXX when my Identity was compromised. I believe that XXXX or more tenants who moved into previous addresses i have resided have used my personal details to open accounts in my name. I have never held a utility account with XXXX XXXX now XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
I purchased XXXX blankets from XXXX and used my Paypal credit account to pay for the purchase. When I received the XXXX blankets, the color and style were different from what I ordered. They were also packaged wet and had developed a mold or mildew during shipping. I filed a claim with Paypal, as this should be covered under their protection guarantee. The initial response was that I just needed to return them to get a refund. I was not given a prepaid label, and the shipping back to XXXX is over {$50.00} - almost the same amount that I paid for the blankets. Therefore, returning them for a refund ( if I pay shipping ) is useless. These blankets are not what was advertised AND they are moldy!!! If anybody is going to be out of money, it should be the seller NOT ME! 

I 've attached picture of the blankets I received. They were supposed to look like this : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-16 00:00:00
Product: Consumer Loan — Personal line of credit
Issue: Account terms and changes — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I currently have a line of credit with PayPal credit that I 'm paying off. My monthly minimum payment is {$35.00} and it is due on the XXXX of each month. I have made the minimum payments on time for the last two months. However, my most recent statement had an unwarranted {$35.00} late fee on it, even though I had made the payment on time for the current billing cycle. 

I 've attached both of my recent PayPal statements. The XXXX statement indicates that the payment was made on XXXX and was considered on-time. The XXXX statement indicates that the payment was made on XXXX for a payment that was not yet due until XXXX yet I was charged a late fee on that same statement.

Company response to consumer: Closed with monetary relief