vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
I ca n't keep my home due to medical expenses, death in my family and currently unemployment. We opted to short sale the home and hired a Realtor on XXXX XXXX, shortly after we got an offer on the home and it was submitted to flagstar as instructed with all the supporting documents NOW on XXXX XXXX I was told that someone would be contacting me for an appraisal on the home and that they had a complete short sale file. On XXXX XXXX a person by the name of XXXX XXXX showed up and performed the appraisal as scheduled. I called Flagstar several weeks straight after that to see if they had the report already and I was told multiple times by several representatives that the appraisal report was n't in yet BUT that it sometimes takes 30 days for them to get a report. On XXXX XXXX I called to check on the report and was told by XXXX that the appraisal company had been trying to get a hold of me to schedule the appraisal and that they had NOT been able to make contact. I explained to XXXX that the appraisal had already been done and that we were just waiting on the report I provided the name and phone number of the person who had performed it and XXXX XXXX confirmed the information on XX/XX/XXXX BUT they keep on insisting that the appraisal never happened. I have left their " supervisor '' several messages XXXX XXXX ext. XXXX BUT have NOT heard back from her as of today. On XXXX/XXXX/16 I called and was told by XXXX that the appraisal order had been canceled on XXXX XXXX because the appraisal company was n't able to get a hold of me. PLEASE HELP in getting to the bottom of this situation. I have attached the written communication that my Realtor has had with these people. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I returned the product ( cell phone ) on XX/XX/2016, and the merchant received the item. ( I keep the records. ) However, I did n't get my money back until now. This company seems a fraud company based on lots of customer reviews. When I noticed that, I filed the claim on XX/XX/XXXX to XXXX XXXX XXXX to get my money back. But the merchant insisted to send an unworkable cell phone to me, and requested the money from XXXX XXXX XXXX ( XXXX ). After I returned the product back and contacted with XXXX, XXXX said that they already sent the money to them and closed the case. Further, because my case is expired, XXXX ca n't reopen my case again ; thus, I did n't get the money back until now. 
I also contacted with the seller 's bank " Paypal, '' and they told me they are pending the transition right now, but they ca n't sent the money back to me, either. The merchant 's company did n't register and fraud. I am thankful Paypal is holding this transition, but XXXX reply I lost the case and they ca n't do anything for this case. I indeed returned the item and I hope it is not too late to get my money back before Paypal transfer my fund to the seller. Could you help me to solve the problem? 
Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I have a refund from Ebay, they gave me the following PayPal transaction ID XXXX. This is from XXXX XXXX, 2016, after several calls and emails to Paypal they ca n't find the transaction, they asked me for all my credits card numbers, address, accounts, they asked me if I have husband, brothers, son, they asked me for the name of the merchandiser, really I do n't know what kind of mess they have there but at this time I have no refund. They asked me the transaction number about 50 times but at this time I 'm scared because I gave to them all my personal information just for a refund and I do n't know if this is normal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AmeriCollect
State: PA

Complaint narrative:
XXXX paid the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
Pal Pal Credit line made encouraged my response on every purchase to use their credit plan and defer payments for 6 mo with no interest. At the end of that 6 mo all the accrued interest was charged. The initial offer had no mention of this and the assumption was that in order to start using their service they were offering this 6 mo grace period without interest. I have sent a note to them that it was deceptive and unethical with the expectation that the customer will miss or forget to pay before the deadline and incur six months of interest. When I called the agent was clear that it was in writing and when looking back I did have to dig to see this disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A.
State: UT

Complaint narrative:
My wife and I have been trying to get a short sale approval since XXXX of 2014 for a home we rented out but due to the disrepair the tenants left it in we could not afford to fix it nor could we continue to pay on it as we had another home we were living in and had a child born in XXXX of 2014 in which my wife quit working to take care of. We contacted our mortgage company about it and they sent us paperwork and we had to resubmit it numerous times due to them claiming they did n't receive it or not giving us the proper forms and having to submit more. It took them 5 months to finally approve the process to begin a short sale. However, when we found a buyer, the mortgage company would not contact us to let us know the situation on it and when I or my realtor contacted them they would tell us different things. The buyer backed out of the sale due to the lack of progress from the mortgage company and my realtor took the house off the market until we could find out what was going on with the mortgage company. At that time, the house had been on the market for at least 4 months. A week after that, the mortgage company finally had us sign an Approval to Participate and said that we had to have the house on the market for another 4 months. My realtor found another buyer for the home but now the buyer is looking to back out due to the mortgage company once again not responding to my realtor or myself. Also, the mortgage company keeps refusing to accept documentation from my realtor that would allow the short sale to be approved. I have received several letters informing me that I have a single point of contact but whenever I call they are unavailable and I am told anyone can help me with the situation. I called again today and now am being told only the underwriter can help me but he is also unavailable. Through this whole process, we have gotten behind on our other home and we can not get any loan modification from them until we resolve the issue with the first home which due to the lack of progress, we are concerned we will lose the home we are currently living in and trying to raise our family in.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: The Regional Adjustment Bureau, Incorporated
State: VT

Complaint narrative:
I received a letter from XXXX ( XXXX ), threatening a tax offset to pay for a defaulted private student loan balance. Under the FDCPA, a private loan lender can not seize tax refunds. Those actions are only available in collection 's on Federal Student Loans.

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 2016-09-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
Paypal limited my account for no valid reason. They are holding my money hostage, which I earned from ebay sales, fraudulently. I need this money to provide for my business and my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: The Regional Adjustment Bureau, Incorporated
State: NC

Complaint narrative:
I have received multiple messages from " XXXX XXXX '', Process Server, stating that they have a certified notice of intent to serve papers on an outstanding debit. I know this is bogus because I do n't have any of these. He stated he will be at my home between XXXX-XXXX tomorrow so have ID on hand, put up dogs and remove guns from premises. I spoke with the police department on this.. they confirmed it was a money scam on a former pay day loan, and the phone numbers were from burner cells. Same person has called back using name " XXXX XXXX '' XXXX Now we have a XXXX XXXX who is also XXXX XXXX and XXXX XXXX XXXX 

Calls are coming from the following numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX have written transcripts and phone calls if desired.

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 explanation
Consumer complaint received 2016-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I am not aware of what this debt is about. I saw this debt on my report, it was removed last XXXX and I now see it returned a few months ago.

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 2015-12-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A.
State: MI

Complaint narrative:
Yes, I have an on going issue with FLAGSTAR BANK, for 5+ years. I received a loan modification offer on XXXX/XXXX/XXXX. The paperwork was dated XXXX/XXXX/XXXX [ see attached ] saying first modification payment due date XXXX/XXXX/XXXX. This paperwork was signed and returned on XXXX/XXXX/XXXX. After only a brief time to review offer. Was not given the proper time to review and question the offer. I called Flagstar bank asking why there was an increase in the principle balance [ {$6000.00} ] of my mortgage before and after modification? I was told by a man calling himself " XXXX '' [ refused to give last name or ID # ] maybe the Losses were Capitalized. In the paperwork, I have given you the facts that support SEVERAL Violations against FCRA, TCPA, FDCPA, RESPA, TILA, HAMP rules, knowingly commented by FLAGSTAR BANK. Was not given the month relief when the Modification started. I still receive collection calls on a weekly basis from FLAGSTAR BANK. even after the have acknowledged my cease and desist order to stop calling cell phone and make all communication all in written form. As of this writing, I still have not received a Mortgage Statement except copies followed per letter. I have request several occasion the complete " MORTGAGE HISTORY LEDGER '' for this loan to no avail. As they have prior sent for the XXXX Calendar year.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX I noticed on my bank statement that from XX/XX/XXXX - XX/XX/XXXX there had been multiple fraudulent charges from Paypal taken out of my bank account. I spent the next month trying time and time again to get Paypal to 1 ) close my Paypal account and 2 ) credit me back the more than {$1200.00} they had transferred out of my bank account. Paypal also opened up a line of credit that I DID NOT AUTHORIZE. I can only assume someone hacked into my Paypal account fraudulently ; but how did they get a line of Paypal credit open in my name without my authorization! I have spoken to at least 10 Paypal customer representatives and supervisors and got different stories from all of them. I even got an email from them saying they were taking MORE money out of my account (??!! ) and that email was dated - get this - XXXX. Yes, I am not kidding. What a screwed up company. So far, they have only put a credit of {$600.00} in my account and they owe me the entire {$1200.00} that was transferred out of my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
I created a Paypal account a while back. I was using the traditional debit function only for a long time and it worked fine. During XXXX of my purchases in XXXX, after I logged into my account on the payment page, Paypal defaulted my payment option to Paypal Credit, which is a credit option they offer. In order to get around this default, assuming I noticed it, I would have had to know to go up to the top and select the " Change '' link next to " Payment methods '' in order to pay the traditional way. After that, a customer service rep. insisted that I had to have filled out information that set up my credit account ; however, I am very skeptical of this. I do not remember doing this, and I know that I would have stopped what I was doing had I known what I was doing. I asked if this rep. could prove in any way that I set up this account and he could n't. He also insisted that I marked that I wanted to pay with credit ; however, I had to explain to him that it was the default option. I went back and simulated another purchase. I did not have to make such selection ; it was the default method. When I started receiving statements, I looked on my activity page and saw that all transactions were completed. I just assumed that these were statements informing me of my activity. I saw no indication of an outstanding balance in my activity. Only when I got a paper statement, opened it up, and saw the amount due with a very expensive late fee did I realize that something was wrong. I am not sure if this practice is illegal, but it is certainly unconscionable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-03 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: TN

Complaint narrative:
This is not my debt. IC SYSTEMS continues to report it to the credit 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 2015-11-13 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Frontline Asset Strategies, LLC
State: FL

Complaint narrative:
Well this number keeps calling me XXXX and the guy his name XXXX XXXX keeps calling me and also called my fiance and i would like it to stop he called my fiance and ask her questions and i wish rhey can stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
I have requested Chex Systems on numerous occasions to remove the the reported information from XXXX XXXX XXXX XXXX and each time it is removed and then re-instated. I have sent a police report, and an FTC Affidavit as these accounts were opened without my authorization. Please remove all inquiries from this credit union and remove the reported information again.

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 2015-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Management Solutions, LLC
State: MD

Complaint narrative:
I recently relocated and during my relocating, I have been made aware that I have a fraudulent debt on my credit report from Financial Management Solutions LLC ( FMS ) located at XXXX XXXX XXXX XXXX XXXX, MD XXXX for {$1300.00}. They are claiming this debt was acquired from money owed to a rental management company called XXXX XXXX that went into default XXXX. I did not move into the property until XXXX/XXXX/XXXX and when I moved in XXXX, my lease was well expired, I was up to date with my rent payments and had a good walk through and relationship with the management company. I never received any outstanding bill, phone calls, etc in regards to any outstanding debt. I do not owe XXXX anything and when I called XXXX XXXX to inquire about this debt, I was told " I do n't know what you 're talking about, you do n't owe us anything ''. I sent a letter on XXXX/XXXX/XXXX to FMS requesting a validation of debt to and as of XXXX/XXXX/XXXX, have received no response. In the meantime, this debt is on my credit report and is affecting my ability to support my family. I have been in the process of hiring an attorney ( XXXX XXXX XXXX ) in this matter and will update with more information once it has been received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
I tried to open an HSA ( Health Savings Account ) for my employee-provided health insurance. I was turned down by XXXX different banks because of bad data ChexSystems had allowed into my file. ChexSystems tells me that someone at another financial institution typed in my SSN with a completely different name as part of a credit inquiry. ChexSystems then flagged my file as so bad that I could n't even open a simple bank account. This affected my health insurance open enrollment, my participation in my health plan HSA, and cost me many extra hours of time and weeks to unravel with ChexSystems. The bad business practices of ChexSystems failed to detect this problem earlier, despite their systems having all the necessary information. Instead, they flagged me as high-risk at XXXX banks. I highly recommend that companies avoid using ChexSystems entirely. While this issue is now resolved, I hope ChexSystems will change their faulty business procedures to avoid harming consumers.

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 2016-02-11 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: Incomm Holdings Inc.
State: MA

Complaint narrative:
My wife and kids gave me a {$500.00} Paypal gift card for my XXXX Birthday. Went to cash it two weeks ago and there was no money on the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
I requested that ChexSystems remove an erroneous address ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX ) from my ChexSystems report. It seems ChexSystems is refusing to respond or remove the offending information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I had XXXX account with XXXX in XX/XX/XXXX and my account was paid in full closed in XXXX ending in XXXX. I did n't have any other account ending in 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 2016-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Admin Recovery, LLC
State: TX

Complaint narrative:
Admin Recovery LLC repeated phone calls to me trying to get a message to my sister who owes debt. They called me on 3 separate occasions. The last time they called me was from phone number XXXX and only 10 minutes after they called me from their other phone number. 

They kept calling even after I told them the first time that I do n't keep in contact with the debtor. I would have told them to stop calling me and that I do n't keep in contact with the debtor the second time ( less than a month after their fist call ), but they hung up on me mid sentence. 10 minutes later they called me for the 3rd time. So I decided to file a complaint. 

They are calling family members multiple times over a debt of a relative.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
Currently check systems has a fraud alleret on me, as well as the other company 's used by banks to open an account. 
I have tried to get it off, but I ca n't. I do n't owe any money to any banks. 

This is from XXXX XXXX XXXX. 
I wat this removed asap. This is making my life hard to live. 

And it is not true

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 2016-05-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
COMPANY CONTINUE TO REPORT OUTDATED INFOR PAST 5YRS SINCE 2011 ; STATUS OF LIMITATION TO RETAIN OVER 5YRS OLD AND MUST BE REMOVE, NOT MY ACCOUNTS OF INSUFFICIENT FUNDS INCORRECT DATA REPORTED. VIOLATES FCRA AND FCBA..SAME INFOR REPORTED ON FILE 5 TIMES

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