vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-24 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: RFNA, LP
State: SC

Complaint narrative:
I have had several loans with this company, they sometimes send me a check in the mail. I have cashed before with no problems. This last time I cashed a check, the company called my number I listed on the check but I was at work and unable to answer. I have had my home phone disconnected since the last time I had a loan with them. I did n't even have the opportunity to call them back and I received a message from my sister in law saying she had received a call from this company. My loan is not due until XX/XX/XXXX, this call was made on XX/XX/XXXX. I called them back and the guy tried to make out like I had that number listed as my home number which is a flat out lie! I work finance also so I know the fdcpa laws and references are not to be contacted especially if loan is not past due. I have never been late on my loan. This is unfair debt practices and something needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WA

Complaint narrative:
rushmore filed with the uscfpb a response stating that m ymortgage loan with them has a maturity date on their amortization schedule of XXXX while their website states that the maturity date is XXXX. the XXXX has a balloon payment that was never disclosed by XXXX XXXX predatory lender in either of the XXXX required TILA disclosures. so now rushmore is not able to fell me what the maturity date is since there response to uscfpb says XXXX and their website says XXXX for my XXXX trust loan. 








Contact Us : XXXXXXXXHomeRushmore Loan Management Servicesphoto of a neighborhood Loan Servicing CenterCurrent Loan Information Make a Payment Automatic Payments Home Loan Assistance Loan Activity Tax and Interest Payoff Statement Year End Statement Personal Preferences Email Inquiry FAQ Log OutCurrent Loan InformationLoan Number : XXXXProperty Address : XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX printer-friendly versionBorrower Name : XXXX F XXXXPlease note all information is as of the end of the last business day. A business day is generally Monday through Friday, except holidays. If you have any questions, please call us at XXXX Monday - Thursday XXXX to XXXX PST, Friday XXXX to XXXX PST. 



General Loan InformationCurrent Principal Balance {$32000.00} Effective Interest Rate 5.000 % Loan Origination Date XXXX/XXXX/XXXX Original Loan Amount $ XXXXXXXXFirst Payment Due Date XXXX/XXXX/XXXX Loan Type Conventional Loan without PMIMaturity Date XXXX Payment Method Monthly Statement Payment InformationScheduled Payment Breakdown : Last Payment Breakdown : Next Payment Due* XXXXXXXXPrincipal & Interest $ XXXXXXXXTotal Monthly Payment $ XXXXXXXXPayments received more than 10 days after thepayment due date may require a late charge of {$10.00}. 


* If Next Payment Due date is in the past, additional payments, charges and/or fees may be required to bring your loan current. 


Principal Received $ XXXXXXXXInterest Received $ XXXXXXXXFor more detailed information, click hereYear-To-Date TotalsPrincipal {$340.00} Property Taxes $ 0.00Interest {$680.00} Hazard Insurance {$0.00} return to loan servicing center printer-friendly version Privacy Policy | Terms of Use | LicensingEqual Housing Opportunity. Equal Housing Opportunity | ( C ) Rushmore Loan Management Services LLC XXXX. All Rights Reserved. 

( C ) XXXX XXXX XXXX XXXX XXXX. All Rights Reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
I submitted a request for a modification review with my lender, Rushmore Loan management on XXXX/XXXX/2015. My authorized 3rd party and I spoke to them mulitiple times after this and they stated that they received the documents for the modification review, but they are denying it because they want to proceed with the foreclosure sale of the home on XXXX/XXXX/2015. Please help, I want to save my home!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 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: NJ

Complaint narrative:
I sent a letter requesting validation under the FDCPA of an unrecognized collection account regarding a XXXX bill I do not owe. IC Systems ( the collection agency reporting the account ) never responded to my validation request as required by law.

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 2017-03-28 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: Paypal Holdings, Inc
State: CO

Complaint narrative:
I have received letters and phone calls from this debt collector demanding that I pay a fraudulent PayPal debt. The debt is not mine and I have no knowledge of where it came from or how it became associated with my name. The phone calls from the company are harassing in nature, accusing me of lying and deceiving them when I refuse to turn over my personal contact information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-18 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/XXXX I made a payment of {$380.00} to my Paypal Credit account. I selected to use my Paypal balannce of {$380.00} and upon submitting payment I received an email confirmation with the following information ( Please also see attached email ). 

" We received your payment of {$380.00} USD and applied it to your PayPal Credit account balance. 

Here are the details : Your PayPal Credit account ending in : XXXX Funding account : PayPal Balance - {$380.00} You paid : {$380.00} USD Payment date* : XX/XX/2017 Confirmation number : XXXX '' On XX/XX/XXXX I noticed that my XXXX checking account was debited for {$380.00}. 
At XXXX Eastern standard time I contacted Paypal about the problem and they stated that I selected my checking account to make the payment. When I told them about the email evidence they put me on hold and then came back and told me that because my account had a transaction for a payment to XXXX on XX/XX/XXXX for {$4.00} and a transaction on XX/XX/XXXX for {$4.00}, than my balance was now {$370.00} and so my checking account was used. It should be noted that the payment was marked as completed on XX/XX/XXXX ( Please see attached screenshot ). I asked that they refund the money to my checking account and they said they would only refund the money to my Paypal account, not my checking account. Further, they would not do it before XX/XX/XXXX. I am still waiting to see if I will have to pay the fee to withdraw money from my Paypal account along with the overdraft fees, potential bounced check fees along with hourly wages and other losses that there error has already caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 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: IL

Complaint narrative:
I received a call from IC System Stateing I owe a Debt of XXXX to XXXX XXXX hospital. The rep Had a Incorect Address along with stating they Went to my Company Website to get my Phone Number. The Collection Rep changed my Address on the Contract they she claim I owe. When I told her I had Idenity theft she told me They will put this on my credit report come XXXX XXXX. I then called XXXX and wrote XXXX Letters with supporting Documents and they never Responded. I Do n't like the fact that the collection Agency change the address from where the fraud happen. I do n't even have a pet. XXXX and the collection agency refuse to even mail a Affidavit for me to sign or dispute the issue.

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 2016-04-08 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
I paid off a debt with National Credit Systems. They are to report to the credit bureaus that debt is no longer in dispute. XXXX reports that NCS has not requested to have the dispute removed. I 'm not able to close in my mortgage until this dispute is removed from my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Flagstar Bank, N.A.
State: MA

Complaint narrative:
I have a mortgage with Flagstar Bank. They apparently mistakenly sent my mortgage ( and a number of other customer mortgages ) to XXXX for collection even though the mortgages are current and I continue to make regular payments. In speaking with Flagstar several times, they tell me that there was a mistake on their end in sending my loan for collection but it has been over a month and they still have not addressed the issue although they claim they continue to work the issue in their Research department. However, I continue to get calls from XXXX demanding payment even though I have sent an e-mail to XXXX explaining the situation.

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 2017-01-19 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Dear CFPB : The description below is adapted from the latest in a series of emails and phone calls to the vendor and PayPal. Hold times are XXXX plus and then being disconnected. They are not working in good faith. 
PayPal has INCORRECTLY denied my appeal through vexatious tactics. I believe that PayPal has intentionally ignored facts and defaults to decisions in their favor. I have contacted the vendor, who provides documentation that PayPal mistakenly sent them ( the vendor ) an incorrect North Carolina address. I have informed them repeatedly through phone, email, their resolution center and appeal process that : ( 1 ) I have lived in XXXX, IL since XXXX. ( 2 ) All my financial accounts have had XXXX, IL addresses since XXXX. ( 3 ) I have lived at XXXX XXXX XXXX in XXXX, IL since XXXX. ( 4 ) I can see that my XXXX XXXX XXXX ; XXXX, IL address is associated with my PayPal account. ( 5 ) At no time while completing the online order in question did I fill in or see a North Carolina address. 
Since the vendor has demonstrated that PayPal gave them a North Carolina address, IT MUST BE THE CASE THAT PAYPAL mistakenly used legacy information in generating the invoice with the North Carolina address. ONLY POSSIBLE CONCLUSION : PAYPAL IS IN ERROR. 
To resolve the error PayPal must : ( 1 ) Remit {$45.00} to XXXX to compensate them for the lost shipment. 
( 2 ) Remove the {$45.00} due from my PayPal account. 

I have spent many hours dealing with this small amount. If PayPal refuses to correct their error in a timely manner and I must continue to pursue this case, I will consider time, stress, and any damage to my credit and/or credit score in taking further action. In additions, I will file cases with the Illinois Attorney General and the Consumer Finance Protection Bureau to clarify whether you are violating any law in your obstructionist treatment of my case. Your treatment of this case has been vexatious, as you have repeatedly ignored and failed to address the facts that I have presented PayPal and refused to accept responsibility for your error. 

Their repeated conclusion in favor of PayPal is contemptuous of the facts and indicative of a process that is purely biased in PayPal 's favor and blatantly unfair. 

Although this is a small monetary amount, the principle is large : consumers should not have to pay for the errors of corporations just because corporations have the resources to antagonize consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-09 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
I made a {$4.00} purchase on eBay and the seller requested payment via PayPal. I have had a PayPal account that was a direct pass-through to my XXXX XXXX XXXX XXXX card for XXXX+ years, but rarely used it. When I made the payment PayPal opened up an unrequested, unauthorized and unnecessary credit account, and also contacted XXXX and possibly other credit reporting companies on XXXX XXXX, 2015. This had negatively impacted my credit rating. 

PLEASE PUT A STOP TO SUCH CONDUCT, FOR THIS IS NOT THE FIRST TIME PAYPAL HAS ENGAGED IN THIS OR SIMILAR CONDUCT!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: FL

Complaint narrative:
My insurance covered to separate payments.,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, MA XXXXXX/XX/XXXXDear Sir/ MadamTo Whom it may CorncernAm writing to you to dispute a collection on my credit report. 
In XXXX or XX/XX/XXXX I called my cell phone company XXXX to cancel my service as I could not get service at my palce of residence. We agreed to cancel the contract after I had sent them my lease and other documents. I did that. 
On XX/XX/XXXX I got a call to join the united states XXXX which I did. I was originally scheduled for XX/XX/XXXX. For four months I was away and had no access to my mail. 
When I came back I found out that my cell phone provider had taken me to collections. 
The said amount was for {$450.00}. I called the provider up and disputed it. 

From the dispute it came to my knowledge thatXXXX. The said documents the requested for never got to them. That was corrected and there for they waived about {$300.00} which was for the equipment ( phone ). 
XXXX. In light of that I paid half of the remaining balance to the provider. ( XXXX ) XXXX. I was also assured the the credit reporting agencies will be duly notified and the necessary corrections be made on my credit report. It is rather unfortunate that it has not being done. 


Am writing to you to dispute this record as it 's affecting my ability to get credit. 
Please kindly give me a call to rectify this situation XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: TX

Complaint narrative:
I was charged for an appraisal for a home mortgage from Prime Lending, that I did not order, sign up for, or agree to pay for. 

This is the last correspondence from the lender : XXXX XXXX XXXX to me, XXXX XXXX XXXX, We are all set to move forward after reviewing your income. Most important next step : you should 've received an email to e-pay for your appraisal. Please be sure to do that today so that we can order your appraisal. We need to get it ordered quickly since VA appraisers take up to 2 weeks to get reports in. 

We are beginning processing your loan. 

Let us know if you have questions. 

Thanks, XXXX. Loan Officer PrimeLending NMLS # XXXX Office Direct : XXXX Cell/call or text : XXXX Apply online : XXXX I did not follow through, since I found a better offer.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Collector IC Systems is committing FRAUD. Debt collector attempting to collect old debt that was never owed - services were paid for at the time rendered. Collector FRAUDENTLY alleges that medical services provider recently engaged them to collect debt that was paid at the time services were provided over 4 years ago - collector was rude, attempted to employ confusing tactics to dissuade me from questioning them on the debt, and ultimately failed to provide any real information - collector attempted to hide behind medical privacy reasons for failure to disclose nature of the debt IC SYSTEMS IS COMMITTING FRAUD

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 2017-01-12 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CAVALRY INVESTMENTS, LLC
State: CO

Complaint narrative:
Not my debt. Ex husband is responsible

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Hello, we have fallen behind in our mortgage loan and Ocwen Loan Servicing LLC, is the servicer for the loan. We have applied for a Loan modification, submitted all of the documentation to Ocwen and they are stating that the process can take 30 days. The only way to get answers is by making scheduled appointments with a designated Relationship Manager who is only available by appointments. In the meantime, the bank, XXXX has foreclosed on us. I have explained to Ocwen that the Bank has foreclosed and they said to me that they have no records of this information. I contacted a forecloseure lawyer and with his help he did confirm that they did start the Foreclosure. How is it possible that Ocwen does not know. Moreover, why does their loan mod process have to take 30 days. I do not want to loose our home. We have been living in here for the past 15 years and we are back on track with both of us having full time jobs. We are capable of paying our mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I had an account with Paypal for years and because of their service I have occurred XXXX in bank fees. This is because of Paypal 's Instant Transfer policy that customers are forced into by providing a bank account number. I have been given paypal credit and their method of increasing credit is through purchases, however in this very process of seeing whether one can receive a credit increase if it is denied without your knowledge your bank account will be charged through their Instant Transfer policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: VA

Complaint narrative:
IC Systems calls my cell phone several times a day from the phone number XXXX. They do not leave a message.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
On XXXX XXXX, 2015, I discovered that I have been a victim of Identity theft as someone opened a PayPal Credit account in my name without my knowledge or permission. This account was opened on XXXX/XXXX/2015 with an address that I had not occupied until XXXX/XXXX/2015 and at the time was only known to XXXX potential mortgage company, XXXX XXXX. My complaint is against PayPal Credit specifically. I have discovered that all anyone needs to open a PayPal Credit account is the last XXXX of a SSN. Since most documents conceal all but the last XXXX of your SSN, this is a concern. Why does PayPal Credit have my SSN on file in a database? How do I remove my information from their database? Is it legal for them to store my personal and confidential information? Any consumer can go to XXXX and open one of their credit accounts with only their name, address, and last XXXX of the SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2017 I ordered three items on line from XXXX and XXXX Order # XXXX. I used my PayPal account to pay for the transactions. I did not receive any of the items that I ordered by XX/XX/2017 so I called the company. They said they did not have the hat. PayPal had already billed my credit card. The company then sent me the top and necklace but not the hat. I contacted PayPal to dispute the charge on my credit card when the seller had not sent the item, did not have the hat in inventory, and refused to let me cancel the order for the hat. PayPal told me they were handling the matter with the seller. They gave the seller 10 days to answer the complaint. I talked with people in the XXXX in the customer service who did not understand the problem and did not try to help with a resolution. Today I received an email from PayPal telling me that in order to cancel the hat I have to, at my own expense, return the top and necklace, otherwise I have to allow the billing for the total amount of the order ( {$200.00} ) and they do not have to fulfill the complete order. This is a total ripoff of the consumer. They should not be allowed to do this to consumers!!!

Company response to consumer: Closed with non-monetary relief