vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CrossCountry Mortgage LLC
State: OH

Complaint narrative:
My home which has an FHA mortgage is currently without property insurance. My insurance company ( XXXX ) is charging excessive fees to reinstate a policy that should n't have been canceled and my mortgage company ( Cross Country Mortgage ) delayed paying my premium so it could get kick backs for having to force place insurance. 
I have an escrowed, FHA loan through Cross Country Mortgage. My hazard insurance carrier is XXXX. We closed on our loan in XXXX, 2015 at which time the annual insurance premium was paid. I received a call on XXXX XXXX from XXXX indicating they have not received payment on the renewal for the hazard policy, which would cancel on XXXX XXXX. I called XXXX XXXX a few days later and they indicated it was n't mailed yet. On XXXX XXXX, after checking Cross Country 's and XXXX 's websites and seeing the payment was n't received, I called both parties again and initiated a conference call. It was discovered that XXXX sent the bill to an incorrect address for Cross Country. The overnight address was provided to Cross Country over the phone and Cross Country 's fax number was provided to XXXX to expedite payment. On XX/XX/XXXX, Cross Country received the bill from XXXX but instead of sending it overnight, put the Check No. XXXX in the regular U.S. mail. I followed up with both parties on XX/XX/XXXX and was advised that the check was sent regular mail on XXXX. I spoke with a Cross Country supervisor, XXXX, on XX/XX/XXXX who gave me the check number and promised to fax me a letter that afternoon that I could forward to XXXX to show that payment was made but not yet received. To date, I have received no such letter. My policy was canceled as of this morning ( XX/XX/XXXX ) and there is now a {$50.00} fee should I choose to reinstate the policy. Representatives from both sides indicate there is nothing they can do and to call the other party. A representative from XXXX ( XXXX # XXXX ) refused to waive the fee after I explained the circumstances because it is a " vaid fee '' which " I agreed to when I signed up for insurance with XXXX. ''

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: I.C. System, Inc.
State: TN

Complaint narrative:
I have a collection on my report that does n't belong. I called them to let them know that I paid that collection off with another agency. I have a letter from the company that I paid off.

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 2016-03-01 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
Hello, Thank you for taking time to review my complaint. Today I am requesting an investigation into PayPal Credit. Apparently, on XXXX XXXX, 2015, I was enrolled into PayPal Credit without my permission or acknowledgement. Therefore after, several purchases were made against this credit line, in which I assumed, should have been coming straight from bank account. All the purchases I made under this credit line were valid, and I have no problems paying what I owe, however, I should n't be penalized the late fees and interest because I never agreed to this service. I did manage to sort it out with PayPal, my credit line is canceled and one late fee was removed, however, now I will have this scare on my credit rating. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
XXXX aka PayPal credit put a hard inquiry on my credit without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-16 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
A payment in the amount of XXXX was sent to a XXXX XXXX via Paypal Credit on XXXX XXXX, this was sent in error. Two previous payments made from my regular Paypal account in the amounts of XXXX on XXXX XXXX and XXXX on XXXX XXXX, also to sent to XXXX overdrew my account. The payments were made from my checking account and were both returned, Paypal in turn overdrew my account bringing it negative XXXX. I was unaware of this and sent another payment of XXXX to cover both payments, which I thought were returned and not sent to recipient. I have since disputed this transaction with Paypal Credit, however, they keep requesting proof of prior payment, which was already provided to rep who took dispute information over the phone. I called in again on or around the XX/XX/XXXX or possibly week before with the same information, also provided above. Ive also sent this via secure message on Paypal.com. Please note, the payment ( s ) were for services rendered from an XXXX XXXX, she was or is using XXXX XXXX 's Paypal account to receive payments for herself.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
On XX/XX/XXXX I purchased an item from ebay.com Marketplace in the amount of {$32.00}. The item was a trunk lid cover for my XX/XX/XXXX Mercedes Benz E320 wagon and according to the seller 's listing, should have fit my vehicle ( see attached ). However, it does not and I do not feel that I should bare the responsibility of paying to send the item back to the seller. I made the purchase in good faith and expected what was advertised. This is false and misleading advertising as well as a common scam with ebay sellers. 

I am still in possession of the truck lid cover as I refuse to pay for shipping to return the item. According to the seller 's ebay ad, he/she assumes all responsibility for their listing. As a buyer, I presume this to mean responsibility and accountability for making statements which are false and/or misleading.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: I.C. System, Inc.
State: IN

Complaint narrative:
COLLECTOR FAILED TO CEASE AND DESIST DEALING WITH THIS FRAUDULENT ACCOUNT WITH XXXX DIRECTLY. REMOVE ALL INVALID CREDIT REPORTING FOR ALL XXXX ACCOUNTS. ON XXXX/XXXX/2016 COMPLIANT XXXX WHERE I ASK FOR VALIDATION AND CEASE AND DESIST, BECAUSE I AM DEALING WITH THE CREDITOR DIRECTLY. THE CREDITOR NEVER SENT FRAUD COMPLIANT FORMS AS REQUESTED 3 TIMES IN VIOALTION OF FTC.

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 2016-05-08 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Paypal has repeated charged my bank account/credit card without authorization. 

I made purchases on ebay with ebay giftcard paying the full balance. On the checkout screen it was clear that the ebay giftcards I used was paying the full amount of the transaction. However 1 ) XXXX/XXXX/2016 My bank account ending in XXXX was charged by Paypal for {$100.00} for a transaction that was paid in full with a ebay gift card 2 ) XXXX/XXXX/2016 My bank account ending in XXXX was charged by Palpal for {$0.00} for a transaction that was paid in full with a ebay gift card 3 ) XXXX/XXXX/2016 My credit card ending in XXXX was charged by Paypal for {$0.00} for a transaction that was paid in full with a ebay gift card 4 ) On approx. XXXX/XXXX/2016 Paypal took {$75.00} off my ebay gift card # XXXX without leaving any record. 

I have contacted Paypal many times and never got a clear response on issues involving ebay gift card. Ebay claimed there was not enough balance on my ebay gift card, which was why my bank account/credit card was charged. This was clearly not the case in none of these incidents. My ebay giftcards had enough balance to cover the transaction, as was shown on checkout screen before I confirmed the order. 

In incident XXXX XXXX taking money out of my ebay giftcard with no communication is an act of fraud. 

After some research on the Internet I found out similar things happened not only to me, but a lot other ebay/Paypal customers. 
XXXXSiteSearch Attachment shows the balance on the ebay giftcard involved in incident XXXX clearly there was more than enough balance to cover the full amount of the transaction. 

The case ID at Payapl # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
On XXXX XXXX, 2015 I sold a large dog cage on Ebay for {$100.00}. The buyer was n't satisfied and so I attempted to refund his money. Something was wrong with my PayPal account, so I had to do it as a separate transaction. The amount was refunded on XXXX XXXX, and Ebay was informed of this. On XXXX XXXX, Ebay debited {$100.00} from my bank account stating that it was to refund the buyer who had not closed the dispute. I disputed this claim with Paypal, and without asking for evidence, they arbitrarily found that the transaction was correct. Ebay does not have an easy way to contact customer service in writing, and what I have written to Ebay has gone unanswered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
XXXX unauthorized changes made on XXXX XXXX XXXX XXXX. Received a statement form Credit Card Company in XXXX XXXX showing a {$0.00} balance. All XXXX XXXX XXXX cards and accounts closed XX/XX/XXXX. XXXX reference # XXXX ( XXXX ). Complaint # XXXX. Thank you for your time XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
Every time I try to use my Paypal account to purchase items on Ebay the process is hit and miss. Most times the payment is " declined '' and I am told to contact Paypal. I call Paypal and they tell me my account is fine, but the " security system '' is not allowing the transaction. I provide answers to what addresses I have lived in 20 years ago, cars I have owned, etc, this is still not good enough apparently. I receive multiple text messages and phone calls during some transactions and put in codes, this is not good enough. I just want to be able to use my Paypal account as some merchants only allow payment by Paypal, and further, eBay gift cards can only be processed by Paypal. I have called numerous times each week, sometimes on the phone for an hour or more to be told the " security system '' is holding me up, there is nothing that can be done, try again in 24 hours. I try later as directed, however some auctions or rebates have then expired, and it works sometimes, most often it is the same problem. I just want to be able to use my own money to make a payment without being denied. I have done nothing wrong and if Paypal has such stringent security requirements they ca n't let the owner use their own account this is unacceptable. This is especially concerning when most purchases only use Paypal as a checkout option.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I just would like the XXXX Federal Government to do what is right byrequiring that all nonbank institutions ( ex. PayPal, XXXX XXXX, andVenmo ) become FDIC insured. Doing so would prevent financialdisaster for many customers if their nonbank institution were to ever gobankrupt. It 's just better to be safe than sorry!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I am referring to case number XXXX. 
I.C.System collection agency has posted a fraudulent collection on my credit report. 
XXXX XXXX XXXX had been paid in full, no demand for payment has never been received from I.C.System or XXXX XXXX XXXX and my score has dropped XXXX points following this fraudulent collection. 
My dog was treated four times. 
According to the XXXX, I was responsible for a total of {$2100.00} ( {$320.00} x XXXX ) for Weeks 1 and 3, {$810.00} for Week 2 and {$630.00} for Week 4. 
I paid {$2100.00}. Therefore I do not owe them any money. The fact that they tried to take advantage of vulnerable people suggests that we are not their first victims.

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 2015-04-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: TX

Complaint narrative:
The collection to XXXX XXXX was added XXXX. Duplicated. {$720.00} was paid in 2014 and closed, but since there was a duplication of the same collection, it still shows I owe {$620.00}. How do I get the duplication removed. I have talked with the collection agency several times and I 'm told it will be removed. Please help as I do believe this is hurtng my credit rate. Thank you so very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Was offered a credit card from my current bank, PNC, XX/XX/XXXX. The offer was 0 % interest until XX/XX/XXXX and 0 % on balance transfers as well. Then an APR would apply after that date. I applied for the card and was approved ; talked to someone on the phone during this process and they confirmed the terms of the card. I transferred a rather large balance ( which I paid a fee for ), then used the card for some purchases. And now they are charging me interest on the those purchases!! I called PNC and they insist they did not send me an offer to what I described - which I know for a fact they did. I have XXXX banking accounts with PNC and have been a customer for 30 years, before they were even PNC Bank. I absolutely would not have opened this card - the card I was using before I opened this one had a lower rate than what they are now charging me. The ONLY reason I did it was because of the 0 % on purchases. VERY unhappy with this situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
I borrowed some money from Tower Loan of XXXX I was paying on time every month until XX/XX/XXXX when I had to stop working due to medical problems and did n't have any income coming in because I do private sitting. so I paid half for XX/XX/XXXX and every since then they call everyday 3 to 4 times literally everyday including the people I put down as a reference filling up the mailbox say they have to put a date in the system as to when I 'm going to have the money I can tell them I do n't know when I 'll have it and they keep insisting I give them a date I 'll have the money She hang up and call the cell phone then my references then they laugh on the phone ( not professional at all ) stating we have to put a date in the system but a letter was sent stating it was going to collection a month ago but Tower Loan of XXXX keep calling and calling it 's to the point I feel I 'm being harassed I know bill collectors should n't call 3-4 times a day I 'm I the only one that borrowed money? PLEASE HELP ME FROM THE HARASSMENT

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 2016-01-30 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CNG FINANCIAL CORPORATION
State: WA

Complaint narrative:
I took oit a payday loan in 2008 for XXXX dollars that was the fee. Interest was XXXX dollars, and I keep getting calls from the collection agency threatened to sue me and want me to pay XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: MA

Complaint narrative:
I was viewing my credit scores on XXXX XXXX because I have been rebuilding my credit after a bankruptcy many years ago and all of a sudden I saw my credit score dropped almost XXXX points. I had no idea why because all my bills have been paid on time for a long time now and I have even gotten new accounts. So the day I was looking some company called Cavalry portfolio had reported me to the credit bureaus that I owe them over {$4000.00} I had no warning from them, no contact from them just a notice on my credit report that it was sent into collections. I want from them to one stop bothering me through my credit reports I am taking this " Account in collections '' as a threat- I want this in collections taken off my credit report and if for some reason I do owe them money I want them to validate to me without a doubt how I owe them money. I want to know if this is a old debt from my bankruptcy and OR where this debt originated from, because I have no remembrance of it or this Cavalry portfolio. Their tactics are VERY UNPROFESSIONAL and unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: CNG FINANCIAL CORPORATION
State: MO

Complaint narrative:
I was never given the mini Miranda I was told they where calling from the federal bureau of investors for the us government for check fraud. they would never id they are a collection agency I was told they would garnish my check refused validation & I do have all my calls recorded I also have voicemails left.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL

Complaint narrative:
IQ Data International first attempted to collect a debt I did not owe, back in 2012. They listed a certain amount, and reported it to the credit agencies. Now, FOUR YEARS LATER, the same company has listed an entirely different amount, and reported it to the credit agencies. 

This is illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
Ive contacted the company multiple times regarding the validity of the debt and sent numerous letters with no response. In addition, thet are also reporting as open on my credit reports and as a collection agency they ca n't be reported as such. To conclude all XXXX credit bureaus are reporting some form of information incorrectly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: AL

Complaint narrative:
When checkiing my credit reports I noticed a collection from Cavalry Spv and XXXX with XXXX XXXX as the original creditor. This debt does not belong to me. I have filed a lawsuit against XXXX for ID theft and damages to my credit report. This collection account on my credit reports has caused added stress to an already unfortunate situation. I plan to have my day in court and sue for damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
A loan company by the name of tower loan has called me over 5 times in the same day even though I made a payment that day. Tower loan is the business.

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 2017-03-15 00:00:00
Product: Consumer Loan — Title loan
Issue: Can't contact lender — 
Company: Southwest Recovery Services, Inc.
State: MS

Complaint narrative:
Southwest Recovery is not licensed in the state of MS. Southwest has made repeat phone calls. Southwest is in complete violation yet they have not ceased.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation