vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A.
State: GA

Complaint narrative:
My Mortgage loan is serviced by Flagstar. When I fell behind I began working with XXXX and was also assigned a Single Point of Contact ( XXXX XXXX ) at Flagstar. I have several recordings with Flagstar trying to get in contact with my XXXX XXXX XXXX yet after numerous calls, request for a direct email, or a direct contact number I have been told that anyone in customer service could help with my loan. I had filled out Loan Modification Documents and mailed them back to the specified address yet the documents were never received. I would have Flagstar customer service then mail out new modification documents and remain them only to have the same outcome. Now I am facing foreclosure in 2 weeks and I speak with a customer service rep. that tells me I can simply upload my Modification documents thru my online loan account. I immediately go online to access my account in which I find I am LOCKED OUT OF! I call flagstar customer service and tell them the issue and have them reset my account. I upload the modification documents as well as my XXXX documents and Point of Contact with XXXX. With only 2 weeks away from foreclosure I just received a letter from Flagstar stating my NEW SINGLE POINT OF CONTACT WILL BE XXXX XXXX!!!!! With only XXXX weeks to foreclosure I am terrified I will not have enough time to finalize either my loan Modification or HomeSafe Approval.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
I just received my XXXX invoice for a credit card I do n't even know how I signed up for it. I called Paypal and they informed me that because I gave them me my last XXXX digits of my SS # during a purchase that It automatically signed me up for this card. I have never received a card. I did not sign up for this card and would not sign up for this card. The interest rate on this card is 19.99 %. I have a extremely high credit score and would have never agreed to that rate. I have a debit card and a credit card link to my account on eBay. I always assumed the Paypal credit option on the list was just for advertisement purposes. In 2015 it should be impossible to unknowingly sign up for a credit card. I feel like Paypal is very deceitful and not using ethical business practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: TX

Complaint narrative:
In XX/XX/XXXX I started the hamp trial made all monthly payments on time on XX/XX/XXXX they extended the trial for agreements on my XXXX payment says applied to XX/XX/XXXX and ever since that I have received a late fee every month and I have never missed a payment it showed on the mortgage web site and I have all bank statements that prove this and the company refuses to listed I have seen docs highlighted have called they do no carePhh mortgage / Coldwell banker mortgage they will not remove PMI insurance the value is good they will not help in any way and for the XXXX 5 years of hamp trial you get {$1000.00} a year for payin on time = to {$5000.00} I have received XXXX credit to principle of {$1000.00} and nothing else costing me over {$9500.00} not include all the time and stress for the last 5 years I do n't know what to do plan on file a law suite

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc

Complaint narrative:
I order an item ( XXXX ) via online on a website ( XXXX ) which is operated by lucky way trading limited ( with email XXXXXXXXXXXX ) but my order did not came. 
I waited for it for almost a month but still it did n't came. 
I paid them via paypal, but since the item did not came i contacted the seller regarding this matter. This seller gave me the tracking number of the item but when i checked it on our local post office here in XXXX they confirmed that it was reshipped back to the sender ( which is the seller ), at first the seller replied thru email but insisted that it was delivered, but after a few exchange of emails the seller had confirmed and send me an email that the item was reshipped back to them and also confirmed it from our local post office via the tracking number they have given me that it was reshipped back to the seller, with this the seller asked me if i want it to be reshipped back to me but i refused and asked for a refund instead, but after that email that i want a refund the seller had ceased and stop replying my emails, i even tried contacting the seller via telephone but they do n't answer anymore without refunding me. 
with this action that the seller had shown i complained to paypal ( which where i made the payment but paypal had just closed my complain because the seller gave them a tracking number which is still not updated during the review of paypal that said it was delivered to me, but paypal did not asked the seller if it was resend back to them because if paypal just checked the tracking number many times they can see in there that it was resend back to the seller ). 
Paypal closed my dispute and adviced me to communicate to the seller, which i tried many times but the seller did not answered any of my emails and calls and it seems had no plan of refunding me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-29 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I sent {$250.00} to an elderly relative in XXXX. When they went to pick up the money at XXXX in XXXX, XXXX, they were informed that the money had already been paid out. My uncle never received it and obviously the Bank did not check that the whomever received it had the proper identification. Ever since I started the complain, XXXX has been sending me back and forth to telephone Representatives with no power of decision. I eventually talked to an " Investigator '' who afterward did not respond my calls. Today, more than a month after sending the funds, I still can not recover them or have them disbursed to my uncle.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-25 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: Uber Technologies Inc.
State: CA

Complaint narrative:
I had been approved for the Xchange Leasing company 's Access program through Uber for a reassigned vehicle lease. The terms were to place a {$250.00} Security deposit, and have active insurance and the car is yours for a weekly lease fee based upon the year make and model to be extracted automatically from your Uber earnings. As someone with damaged credit, and having a small income, the program was a great idea for me to quickly begin to generate a substantial amount of income given the immense demand for uber drivers in XXXX county. I also had previously been commuting via public transport to and from an existing job. So I leased the car to both save money on transport and make more money with the car itself as an XXXX. I paid all the deposits on insurance on last Monday, picked the car up on Wednesday of the same week, and now today is the following Monday. My car is gone. I woke up, walked outside to leave for work at XXXX, and my car is nowhere to be found. I stood there with my keys, started to call the cops and report it stolen when my neighbor tells me it was towed. So I called around to all the tow yards in the city and no one has it. I called the cops back and reported it stolen only to be met with that it could not be reported stolen as it was marked as repossessed. I was then given the number to the repossession agency, who informed me I 'd have to call back at XXXX to find out who ordered the repossession. So as time ticks by I got on call with Xchange Leasing to see if there were any answers to be found and After a 40 minute hold I was told my first payment is n't even due for another two weeks, and that everything was fine but to call back in a few hours and see if someone made a mistake. So XXXX rolls around and I call back the repossession company, to find out that Xchange Leasing had ordered the repossession! So I got right back on the phone and waited another 40 minutes to be told I was wrongfully repossessed, and that I would get a call back so they could try and arrange for me to get my car back which is currently 2 hours away from where I live, with no vehicle. I still have not received a call back, it 's now almost XXXX. I 've missed my day of work, and the time I could have been XXXX for Uber this evening. I could n't even take transport because of the security deposits and not having disposable income. To top it off I suffer from an XXXX and my XXXX is still racing just from those two hours of not knowing what just happened to my new car, source of income, and thinking it was stolen!

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

Complaint narrative:
I use PayPal very rarely. I learned that they had signed me up for a service called Bill Me Later without my consent. They ran a hard credit inquiry on my credit report, and harmed my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-19 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: NC

Complaint narrative:
We cancelled home Internet services with XXXX XXXX XXXX when we moved. We went into the store closest to our home, returned our equipment, and paid our final bill in full. We have the receipt for this transaction and we were told at the store that we were " good to go. '' XXXX XXXX XXXX reported us to a debt collection agency for non-returned equipment one month later. We received absolutely no notice that this would occur, even though the company has our mail forwarding, current phone number, and email. The first information we received was from the debt collector notifying us that we had been sent to a collection agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I ordered a product online from Ebay which I had done many times in the past. Using Express checkout Paypal changed default settings to Bill Me Later. I had an active Paypal balance of over {$600.00} in my account I had no need for a credit card I assumed they would remove the {$9.00} from my balance. I later find out they have opened a credit card, charged me late fees, and interest on {$9.00}. I finally called and asked they close the account. I mailed a check for the {$9.00} that I owed. I called again asking them to remove late fees and interest and they did however they would not remove the {$6.00} interest. This is XXXX % interest on an item in less than 6 months. I feel I was wronged in the situation by being misled into a credit card I did n't need. I now realize they have paid fines for these actions earlier in 2015 but it appears this did n't change PayPal 's misleading practices to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I was checking out with PayPal ( or so I thought ) and I ended up somehow signing up for their credit card! I feel as though I was tricked into signing up for a credit card I have absolutely no interest in having. I have really good credit and I 'm upset that they did a hard inquiry. At this point I do n't know if it would be better for my credit to keep it or close it. The damage has already been done with the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 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: CA

Complaint narrative:
Closed our account with XXXX XX/XX/XXXX. They continued to automatically charge my credit card on file for an additional months bill in XX/XX/XXXX. I called/online chat with them numerous times and was told the money would be credited back when a final bill was issued. I have yet to receive this final bill. I filed a dispute with my CC to protect myself. XXXX tried to claim I owe them this money, after their agents have told me thru repeated conversations ( see attached ) that they would clear up issue and that I did not in fact owe any money ( since it was monies they had over charged me ). Despite continued correspondence with XXXX several times a month since XX/XX/XXXX, they continue to refer me to their 3rd party collection companies. First with XXXX XXXX XXXX, which, after numerous emails to them including copies of XXXX chats, I finally filed a claim with CFPB ( XXXX ) that helped get resolution with XXXX and I thought with XXXX. XX/XX/XXXX, I received a new letter from a different collection company, IC System. I contacted this company by phone and was told that I could not submit proof that XXXX had cleared the matter by email, that I would have to send by mail. I noted I would submit a claim on CFPB. About 1 week later, I gave birth to my XXXX child. I had not heard back from the Creditor, so I hoped it had been cleared by XXXX and there had just been time lag, since I have received nothing but the first letter from IC System. I just checked my credit score ( XXXX XXXX, XXXX ) thru my credit card and have a debt collector issue. IC System and XXXX are the only possibility. I have not been negligent, I have contacted XXXX, XXXX, and IC System at every step of the way as possible. I continue to be told by XXXX that the issue has been resolved and no debt is due by XXXX, only to find out later by written mail that they have escalated the claim to different Debt Collectors. At this point I feel XXXX is harassing me and has cost me hours of my time and much distress in trying to clear up the issue. I do n't know what to do to get them to keep their promises and clear up the Account. I can not continue to waste time corresponding with them, when they tell me one thing and do the opposite. Can you help me to get ATT to keep their word and stop harassing me for debt ( {$120.00} at this point ) that they already promised me was resolved? 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 2015-09-08 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: The Regional Adjustment Bureau, Incorporated
State: CT

Complaint narrative:
I was a student at XXXX University in XXXX, CT. I returned to school to complete a XXXX certificate. I filled out paperwork to have my loans deferred. I was notified that paperwork had not reached XXXX XXXX XXXX. I gathered paperwork for them again and sent it to my financial aid advisor to send to the loan company XXXX which I still have the email chain of this conversation ). XXXX I was notified that the loan had never been deferred and was sent to collections XXXX Regional Adjustment Bureau XXXX. I have been trying to work with the school and the collections agency to explain that this never should have happened. I have been notified by my school that my financial aid advisor has been in and out due to medical concerns and that there are now other discrepancies with my financial aid. I feel as though the school has failed to do their jobs and now I am suffering at the hands of a collection agency. I have tried to take out a private loan for the balance in collections, however I have been denied. I do not know where to go from here, please help!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-10 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
On XXXX I purchased a bunch of XXXX gift cards from Paypal XXXX XXXX. Paypal XXXX XXXX was listed as the seller on eBay and they were the company that fulfills the order via email. Last week I attempted to use these gift cards and they say they 've already been used. I first tried to contact ebay but 30 days has passed so their guarantee is up. Then I tried to contact Paypal digital gifts but they referred me to sears who referred me back to Paypal who referred me to XXXX who referred me back to Paypal. My frustration increased when Paypal flat out refuses to send me new gift cards. I have the order numbers and all of the information. Their stance is its on XXXX to make this right. This is ridiculous! THEY are the ones I bought these from and its Paypal XXXX XXXX who is responsible for making this right, not the consumer. Please protect me, the consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Columbia Recovery Group LLC
State: WA

Complaint narrative:
I am filling a formal complaint against Columbia Recovery Group L.L.C, in the amount of a Default Judgment against me. Columbia Recovery Group, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX used unethical, and illegal tactics to collecting an overly inflated alleged debt out of retaliation violating the Federal Fair Debt Collection Practice Act, in a period of XXXX months before even reaching court for a Default Judgment Columbia Recovery Group, along with XXXX XXXX XXXX on-site manager XXXX XXXX revised, and inflated the alleged debt to submit into court making the Default Judgment almost double the original debt. I have attached these documents showing the amounts, and how over four months they had increased, and also a revised collection statement, these documents are in order with chronological order by dates, and exhibit letters with a brief description on this page.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I have an unverified account from LVNV Funding on my credit reports. I have repeatedly disputed this account with LVNV Funding and the credit bureaus. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt. I demand that LVNV Funding provide verification of the following : XXXX. The original application or contract XXXX. Any and all statements allegedly related to this debt XXXX. Any and all signed receipts XXXX. Original date of default and collection activity dates XXXX. Whether you purchased the debt, and if so, the amount paid for the debt. 
XXXX. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. 
I demand that the account be removed from my credit reports and that LVNV Funding cease all communication and collection activities until providing verification of this supposed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I purchased a car in 2000 and it got repossed by Credit Acceptance Corporation XXXX MI.This company waited 16 years later to take me to court and got a default judgement against me.I was unaware of any court date because the company sent all my stuff to the adress from 16 years ago.iI got a call from my bank saying my account was frozen so I called the number and it was Credit Acceptance lawyers telling me I owed XXXX on a XXXX dollar car the rest of the money she said was interest and late fees and it was still incurring.I did a little research and found that car loans in the state of Michigan have a statue of limitations which is 6years.I am low income.I ideel like I 've been a victim of this company illegal actions.Im also unaware of the fact of they repossed the car and probably sold it at auction.Then I suppose to only be responsible for the balanc.This company lawyers are telling me theirs nothing I can do but pay 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 2016-10-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
We financed our new car purchase through Chase Bank. The auto dealership was running a special that waived the first month 's payment. Three weeks prior to when the first free payment would have been due, we set up auto-pay but noticed that the first payment due date did n't reflect the first month free. This was brought to Chase 's attention immediately but nothing was fixed. They sent us a past due notice once the due date came and went. We called again, explained the situation, and were told they 'd take care of it but they never did. We received another past due notice, threatening late fees and reporting to credit reporting agencies. After numerous calls to the dealership and Chase, we were finally assigned a person at Chase Auto Finance who we were assured would help. Five calls to her went to voice mail and were never returned. Finally, to avoid this affecting our credit, we paid the first month payment. That was in XXXX. It 's now almost XXXX and there has been no resolution. Chase assigned us another representative who was going to solve this issue. Like our previous experience, calls go straight to voice mail and they are never returned. XXXX XXXX, XXXX ext XXXX, give her a call and see if she answers. 
The bank admitted to entering our loan into their system incorrectly but they 've never apologized for their mistake nor offered to remedy the situation. They do n't return our calls. They only ever called us to try to collect money that we did n't owe. They harass and threaten to report our lack of payment to credit reporting agencies. Once they got our money, they stopped calling but it 's our money and I want it back.

Company response to consumer: Closed with explanation