vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-05 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal received an overpayment from my personal bank, in which I requested a refund, and a check was sent to me in the amount of {$200.00}. I never received the check. However the check was cashed by a XXXX party that I do not even know. Now, I am being advised by PayPal I must file a complaint with the XXXX XXXX XXXX that cashed the check. However, XXXX XXXX XXXX says because I am not their client, in which PayPal is their client, PayPal must complete the fraudulent activity. PayPal refuses to file the complaint, or send me my {$200.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-23 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc.
State: VA

Complaint narrative:
I have been receiving calls from IC Systems stating that I owe over {$1000.00} for a debt from when my son was born. When they first contacted me, they had an address on file that I had n't lived at for years. They also gave me a medical group that I have never used, but they used my sons doctors name who has also never worked for that medical group. I have repeatedly told them this is not my debt. I have contacted my sons doctor asking about this, they know nothing of it. I then called the hospital where I had my son. They also have no record of this. Both the hospital and sons doctors office say they have never used IC Systems as their collection agency. IC System is stating that my son did not have insurance for the first 3 days of life, but I called his old insurance and he did. They have not had correct information for a few things and I have been reserved about giving them more information because I stupidly gave them my current address the first time I talked to them before knowing what they wanted. They will not stop calling and I have told them I disputed the charges but they still say this is my debt. I never check my credit report but once they contacted me, I checked at once and found that this is on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I have no knowledge of said debt.

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 2016-12-04 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: PA

Complaint narrative:
I was being charged for equipment I returned in XX/XX/XXXX to XXXX. I called XXXX stating that there was dept in the amount of {$1600.00} for the equipment on my Credit Report. The representative saw on my account that they received the equipment. She started a case to let the dept collection agency now that the account is at a {$0.00} balance, and that they should have reported a dept on my credit report. My case number for XXXX is 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 2017-01-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
Trying to deal with NAVIENT on a defaulted student loan. 

Our XXXX yr old, XXXX daughter finally defaulted on her long held student loan. That threw us into a problem trying to deal with NAVIENT to settle this outstanding loan. We had issues with everything about NAVIENT. First of all you ca n't get the same person on the phone when you call back. Everyone you speak with is reading from a script, demanding payment TODAY. We tried to negotiate a cash payout, to no avail. Then the phone calls began, calls during both day and night. Each call originating from another NAVIENT office, from Texas to Pennsylvania. As XXXX, on a fixed income we were exhausted trying to settle with NAVIENT. There 's no understanding, no consideration, just constant demands for money. 
In addition, I have serious doubts NAVIENT made any attempts to contact the original loan person, instead, jumping immediately on the co-signer, my wife. 
NAVIENT would n't even accept current information, citing some phony privacy rules, thus the original loan borrower got away scot free ....????

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A.
State: AL

Complaint narrative:
I applied for a hardship refinance with Flagstar Bank and submitted all the required documents. I called back after two weeks and was told the application was under review. I called back in another two weeks and was told the application was rejected because the documentation provided was too old. The pay stubs were the only documents that were to be recent and they were my XXXX most recent stubs at the time. I applied again and was never able to get an update about the status of the loan until after over a month had passed. I was always told they were backed up due to the number of requests, but it was in progress. I was finally able to get someone to tell me that my request had been rejected again because the documents were too old. I ended up having to take out a 401k hardship loan and am still paying tax interest and penalties because of it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
We never applied for credit at Pay Pal Credit! They opened up an account in my name without my approval or submission of an application! I believe that this is a fraudulent practice XXXX! I have research suggesting this is a common practice by them! I need the account closed and the credit inquiry reversed!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
So I was just buying things in ebay with my debit card and when I bought things it said that it that the payment was unsuccessful and when I looked in my purchase history it said that I had bought it, I contacted the sellers but no response yet ... .Did I lose my money for nothing?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A.
State: MD

Complaint narrative:
My wife and I have an automated payment setup for our mortgage each month. The auto payment is scheduled to deliver the payment XXXX days early each month and that is XXXX days earlier than the due date, not the extended grace period. Apparently, after receiving our early payment, Flagstar realized that we were off by XXXX because they had reassessed our escrow. However, notice of this reassessment was never received. On Sunday, XXXX XXXX at XXXX, we received a phone call from Flagstar requesting a call back. We immediately returned the call and were treated with an aggressive and rude representative telling us that we were late with our payment and had not paid in full. We were accused of having received and ignored the notice of the increase. However, we had never received the letter and at that point were still not late. In fact, we still are not late as the due date on the notice is XXXX XXXX. 

Despite the rudeness and aggressiveness, we simply asked what choices we had for payment. We were told that we could pay a fee of {$15.00} and pay over the phone, or since we were n't late, we could pay using online banking for no fee. We stated that we would do so immediately and the representative said they would note that in our file. We then went on to our XXXX account and made the payment, while also changing our auth payment setting to reflect the change. XXXX shows the payment was made today. 

On Monday XXXX XXXX, we came home from work and found the notice that had apparently been sent previously according to the representative, in the mailbox, proving that we had never been given notice of the change. Since that time however, we have received no fewer than XXXX calls per day harassing us and asking us for payment. We have continually told them we made the payment and again, we are not late.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
Today is XXXX XXXX, 2016. My realtor and I have attempted to get in contact with Flagstar to sell my house for two years. After my initial complaint, it seemed that we did get a bit further with my file and a buyer 's offer was accepted. On XXXX XXXX the buyer requested an extension for the closing date. Our single point of contact initial was XXXX XXXX, then the file was passed on to XXXX XXXX, who never replied to any emails or phone calls concerning the selling of my home. Today both my realtor and I called and was given the Team Leader 's name which is XXXX XXXX. The rep seemed pretty helpful and told us that all we needed to do was provide XXXX XXXX with the Hud1 final and the Closing Document. We sent that over immediately while on the phone with the rep. Everything was confirmed and she replied that he would get back to us by the end of the day. This was at XXXX. Confirmation of receipt was provided around XXXX, called back at XXXX, confirmed reviewing of documents, called at XXXX, XXXX XXXX and XXXX XXXX XXXX were gone for the day. I personally called at XXXX and recorded this message and they told me that they will email again and to call at XXXX central time XXXX. Closing is at XXXX. tomorrow XXXX XXXX, 2016 and we have been trying to get information from Flagstar since XXXX XXXX, 2016. Please help!

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 2016-03-17 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:
I have sent several letters asking them about this debt and they refuse to send me anything. I continue call XXXX and inform them that I do not owe them any debt to them inwhich they showed that I do not own any debt. This company IC Systems continue to report this collection on my Credit Reports.

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 2015-12-31 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Paypal-i signed up and logged my credit card for a purchase. Only when I began receiving calls and mail from collectors and hours on the phone did I discover I had opened a line of credit and used it without ever knowing. I had to pay fees larger than the original amount and it impacted my credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I received a call at XXXX CST XXXX/XXXX/2016 from XXXX, when answered, there was no one on the other end of the line, then the call disconnected from the caller 's end, forcing me to call back. When I finally got in touch with someone, I do n't feel they properly verified my information prior to disclosing what the call was regarding, then proceeded to attempt to collect a debt that is no longer in collections on my credit report. I view my credit report monthly, and can assure that this particular item fell off months ago. I advised the representative that this was no longer listed on my credit report and did n't want to be contacted again. I also filed 2 different change of addresses forwarding all mail from my previous address to the XXXX XXXX that I had, then to my current residence. I did n't receive any mail regarding this account after I moved, even though they should have received notice of the change. I then received a call from XXXX at XXXX CST XXXX/XXXX/2016, when answered, there was no one on the other end and the call disconnected from the caller 's end, again forcing me to call back. Called in, and rather than repeating myself with all of the same information listed above, I told the person that they have the wrong number. I should n't have to lie about who I am to get unwanted calls to stop. I work in a business that has to be up to date on collection laws at all times, and if the customer states that they do n't want to be called, the company is responsible for maintaining that request, not calling from another call center across the continent.

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 2015-12-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I purchased an item from the clothing retailer XXXX XXXX on XXXX/XXXX/2015 with funds from Paypal credit 's Bill Me Later. The item was returned to XXXX XXXX on XXXX/XXXX/2015 and XXXX XXXX issued a refund credit for the full amount of {$570.00} on XXXX/XXXX/2015. 

Since then, Paypal Credit has not posted the refund to my account and I still owe them money. I have faxed in proof of return numerous times, sent emails of screenshots indicating that this item was returned, and have spent countless hours on the phone yielding no results. At this point, I will have to start paying the charge and I find it to be ludicrous to have to begin payments on something that I returned 3 months ago which has been acknowledged by the retailer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
I used Paypal to send money. They withdrew {$2500.00} from my bank account, but never sent it to the recipient. They have refused to provide customer service to resolve the problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
Currently trying to resolve a property claims issue with Pennymac that has been ongoing for 28 days with absolutely no response from them or resolution. Our home was involved in a Natural Disaster in XXXX 2016. We are currently at a stand still on our home repairs and have leaking roofs that continue to get worse due to the lack of response and resolution from Pennymac Loss Draft Department. After 15+ phone calls to them for a release of additional insurance funds to move forward on to the final step of roof repairs for our property I continue to get the same response that a request to release another XXXX of the funds has been submitted and will take XXXX5 business days for a response. To date every phone call ends the same way with the Rep indicating they do not see where the request was submitted and they would send the request and I would receive a phone call within XXXX-48 hours. Still no phone calls from Pennymac at all and no closer to a resolution. I continue to be told their process is to release funds at XXXX at a time after inspections. However, I have explained every time that the XXXX process does not work for my property loss and repairs. I have explained to them over and over to look at the Insurance itemized claim, it clearly shows I 'm at a stand still on repairs. To even get to the next step in roof repairs it requires the majority of the remaining insurance funds to be disbursed. My primary damage was roof damage. House roof and damage has been repaired and next step is all the detached property repairs which is all metal roofing and XXXX body/piece of work. For some reason no one at Pennymac can understand what is needed and continues to not execute on any of my phone calls to date. I had to cancel a contractor today simply because I ca n't get anywhere with Pennymac. With every rain that comes while dealing with pennymac there is more damage to my property where the roofs continue to leak. This is absurd. We have insurance coverage and yet ca n't get my repairs complete. Will have more damage and I expect XXXX will be responsible. I have submitted all the documents Pennymac requested on each phone call but yet nothing has been done to assist. I have exhausted all efforts with Pennymac and asked to escalate today XXXX/XXXX/16. Spoke to an Escalation Rep who also provided the same information. Supposedly a request for the needed funds was submitted today, however, the request is only as good as XXXX. approval for the release. At this point I will submit a complaint with Regulatory from every XXXX available for assistance. I hate to think how many other XXXX XXXX are, or have gone through this with Pennymac.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I live in the state of Texas. After sending emails XXXX for verification of debt i am requesting that the debt be removed from my credit report. I have not received any information pertaining to debt nor any proof of required information pursuant to Texas XXXX. I can not validate debt as mine as I have not any proof of debt, nor any communication from IC System Inc in the time allowed from said TX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 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: I.C. System, Inc.
State: NY

Complaint narrative:
The NY Department of Social Services paid my XXXX and XXXX bill when I was laid off. I am paying the Department of Social Services back for this. I am receiving collection notice for this debt that was paid in full from a collection agency several years later.

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 2016-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Receivable Management Services LLC
State: AZ

Complaint narrative:
I received a letter from XXXX ( Receivable Management XXXX ) stating that I owe {$140.00} to XXXX. I 've never had insurance through this company and have never NOT paid a bill on time. 

Here is the info from the letter : XXXX Account No:XXXX Member ID XXXX to pay by phone : XXXX to pay by check : XXXX to pay online : XXXX Will you straighten this out for me? Thanks, XXXX 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 non-monetary relief
Consumer complaint received 2016-06-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Fedloan Help
State: FL

Complaint narrative:
On XXXX/XXXX/2016 Fedloanhelp.org had an Ad on XXXX to reduce student loan payments. I clicked on it and spoke to XXXX and XXXX. They both explained their company was a not-for-profit and they would assist in the paperwork needed to work with the Department of Education and my loan service provider, XXXX. They asked for my bank account number to setup the new reduced payment, XXXX XXXX and had me electronically sign an agreement all in one call. They stated I would get a package in the mail to confirm everything but that never happened. 

On XXXX/XXXX/2016 this company started debiting my checking account for {$100.00}. I sent documentation to XXXXXXXXXXXX asking why since XXXX had sent me an email stating XXXX was due for the 12 months. His response was this " Your payments are always made in advance because we never want you to be disqualified from the program for non-payments. That is why we set it up this way for all clients so they do not have to worry about any problems in the future. '' On XXXX/XXXX/2016 this company debited my checking account again for {$100.00}. 

On XXXX/XXXX/2016 I called XXXX and spoke to XXXX. I asked if those 2 payments reflected on their system. The representative advised Fedloanhelp.org was a fraud company and that I needed to file a complaint with the Consumer Affairs. 
On the same day I emailed XXXXXXXXXXXX the following : " The last 2 payments your company has taken out of my bank account do not reflect on XXXX 's website as being applied to my loan. What is going on? " As of XXXX/XXXX/2016 I have not received a reply from them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-05 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: ZWICKER & ASSOCIATES
State: MD

Complaint narrative:
On numerous occasions I have asked them not to call me. I considered the tactic harassing after getting calls from XXXX up to XXXX. The same number and different names of law firms being given. I all ask is to stop calling me any communication needs to be by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: American Financial Resources, Inc.
State: CA

Complaint narrative:
My mortgage servicing company has improperly calculated my escrow payments. I have repeatedly told them that they have n't calculated my escrow account properly but they will not change it. I currently pay about {$110.00} per month than what I should. The mortgage servicing company has inflated the tax basis of my property. They also established this escrow account without my permission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation