vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: TX

Complaint narrative:
I worked with a lender from prime lending and everything was going wonderfully until about 2 week before closing. I had not heard from her in quite some time when one day, about 3 days before our closing should have been, she called and " made me promise not to get upset '' she went on to tell me that my FHA loan had been denied, after previously switching from conventional due to debt-to-income-ratio issues. So, she asked if I had any more money to give to help us go back to conventional. I said no. Flat out no. I had saved {$11000.00} to someday use to purchase a house. I knew fully well that ALL of my savings would be going into my house, and my realtor and lender both knew this. She later called back and stated that she had already put my husband on the loan, EVEN though I was never asked if this was ok. Apparently her supervisor told her to include him because of his credit. Well, this then made it to where all his finances would be legally necessary to use for the house. To get us to 5 % down, we would need {$3500.00} of my husbands {$5000.00} in savings. That would mean that to by our new home would be financially crippling ourselves ; draining my entire savings, and 70 % of my husbands. This was not ok, considering my husband had just quit his job and had ZERO income. Another fact my lender knew. It was never my decision. Our lender took complete advantage of us. AND this was after she had to award us hundreds of dollars in waived fees to make the loan go through. It was clear that we were not a priority, we were a paycheck. Now my husband and I are still trying to make ends meet with no money to fall back on, because of a decision that was made for us.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: NM

Complaint narrative:
On XXXX XXXX, 2015, I made XXXX purchases through Pay Pal. I have made many purchases using Pay Pal in the past, and have always had my debit card selected as the default payment. The XXXX purchase I made on XXXX XXXX, for {$100.00}, utilized my debit card as the payment method. When I made the XXXX purchase, for {$45.00}, I believed that my debit card was also selected as the payment method. The next day, I received an email informing me that the {$45.00} purchase had actually been designated to open a PayPal credit account. I did NOT select PayPal Credit during this purchase, and I was very confused about why PayPal would set their Credit service as the default payment option without my permission. I called PayPal immediately that day and spoke with customer service to express my frustration that I had effectively been tricked into opening a credit line with them. I asked that I be allowed to pay my balance immediately, and that the credit line be closed. My budget is extremely tight, and I needed to make this important purchase while I still had the funds in my account. I was told by the Supervisor that there was no way to make the payment and close the account immediately because the payment had not posted from the Vendor to my PayPal credit account. They informed me that if I wanted to make the payment immediately, I would need to contact the vendor. The vendor was a professional contact that I was not willing to involve in my financial matters, so I was left with no option but to let the credit line remain open and hope that I would have enough money to pay the balance when it finally posted to the account. I was confused, frustrated, stressed, and upset, and at the time I did not know that I had any recourse. I read on the news last night that many other consumers had experienced the same issue with PayPal, and that the Credit Protection Bureau was fining PayPal for this deceitful credit practice. I immediately decided to submit my complaint as well, in hopes of adding the voice of XXXX more consumer that was tricked into opening a PayPal credit line against my will and without my knowledge. I have attached the PayPal credit statement, which indicates the date of the purchases and the methods of payment used. I will also attach a portion of my bank statement that shows where I paid the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I set up a Paypal transfer of funds for {$5000.00} to another individual. Paypal immediately reversed the transfer because they thought it was fraudulent. The initial transfer was on XXXX XXXX and there has been a pending refund on my account from the same day when the transfer was reversed. Despite them canceling the payment and reversing it, the money still was removed from my checking on XX/XX/XXXX. No refund has been deposited as of XXXX XXXX. I was told by Paypal to contact my bank if the deposit did n't show up on XX/XX/XXXX but my bank said they are not holding up any deposits from Paypal. When I called Paypal again I had to speak to XXXX different departments of Paypal, waiting on hold for over an hour to get them to tell me why they wo n't give me back my {$5000.00} that should never have been withdrawn in the first place if they flagged it as fraud. Their explanation is that they must first receive the money to refund it, but it has been 2 days since my bank has debited my account. Their procedures put the consumer at risk for overdrafts and late payments because they do n't give any information about 3-5 day delays in the actual transfer of funds. They advertise instant money transfers all over the place and it seems they accomplish this by fronting the money while it may takes days to clear on the back end. Why ca n't they front the money for a refund when they are the initiators of a fraud check and the consumer is able to verify the transaction within minutes of them reversing it. They should just put the transaction on hold instead of reversing it. Or they need to be more transparent about what is happening to the money in these cases so the consumer can protect themselves from overdrafts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Pay Pal claims to have sent me an email stating I was violating their terms. I never received the email from them. I purchased My Cash Cards to load on the debit and pay bills and send money to my son to pay rent. They have denied me access to my debit card and when I spoke to a supervisor they said they are holding my money, over {$2000.00} for six months! I was given XXXX email addresses and have sent XXXX emails and I have not even received an email reply, How can a company be allowed, legally, to hold a clients money for six months once that company decides they do n't want you as a client. This is something that congress should investigate

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 2017-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.C. System, Inc.
State: MD

Complaint narrative:
I received an attempt to collect a debt by XXXX on behalf of I.C. System, Inc. and I requested debt validation. I have yet to receive validation of this debt. Instead, I received a letter from XXXX stating that the account has been closed and returned to their client I.C. System, Inc.

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 2016-02-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: FACTUAL DATA CORP.
State: CA

Complaint narrative:
Bankruptcy statement on my account. I have never filed for chapter XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 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: FL

Complaint narrative:
I had a phone bill on XX/XX/XXXX when the XXXX send us to XXXX, the account were Paid and closed. XXXX sold this account to multiples collections agencies. Damaged my credit report. I amdispute this account because the credit bureau supposed remove and delete on XX/XX/XXXX. Now I recieve multiples letters threatening me, from differents agencies push me to paid the same account, that the FCRA Law establishes they I get punished for 7 years allready completed by law. They have diferents account thats are not mine. And they said they gona damage my credit againg for the same issue. I am free of this account because they punished me during a lot years.

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 2015-05-20 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I sold products on EBAY through PayPal. They knew I hadchanged my bank as I let them know. There seemed to beno problem taking my money out of the new bank when Ipurchased something. But the money they owed me stillis in their hands. Several phone calls later they assuredme that it was taken care of and I still see they still have it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 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.Q. DATA INTERNATIONAL, INC.
State: SC

Complaint narrative:
I have made several attempts to request that " IQ Data '' ( The debt collector ) validate this alleged debt that they are stating that I owe with the first attempt sent in a certified letter dated XXXX XXXX, XXXX of which they never responded or acknowledged that they received it which is a violation of the FDCPA section 1692 ( g ) and the fact that they never responded in 30 days, this is not a valid debt therefore it needs to be deleted from my personal credit account with XXXX. The second letter was sent certified on XXXX XXXX, XXXX and the Third and final letter sent out certified on XXXX XXXX, XXXX of which as of the date of this complaint, they still have not responded. I have even filed a police report against IQ data and still no immediate response from them. I do not know who this company is or how they ended up with all my personal information and without my consent, and they feel it is okay to not abide by the federal laws that protect the consumer from fraudulent claims of debt collection and not answer any of my requests but still communicate with XXXX and not the consumer to advising them to continue to report a invalidated debt on my personal profile which I have not contract with them on nor have they provided me proof in a detailed " Bill '' that show how and when this alleged debt occurred or what is it for or that I owe anyone an alleged debt and they have the authority to collect on behalf of the person who may be claiming I owe a debt. At this point I believe I am a victim of Identity theft and Extortion from this unknown company trying to collect an alleged debt that is not validated and refusing to provide me proof that what they are saying I owe is accurate and really a lawful debt that I owe.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
PayPal deceptively changes it 's normal checkout so that you get signed up for their credit account, then makes it the default for eBay payments, with no notification to the user. 
Called PayPal to close account, and it 's still open.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Ebay incorrectly thought there was " unauthorized use of " my '' account '' They wanted me to change all private information. They said they were going to remove all listing ( attached ) .some items were already sold and paid for. I called and told them there was not a problem. do not delist items. The next day I relisted items. They delisted those new items as well. The end result was that Ebay asked payPa for Money Matching the items sold. Paypal Gave them the money. They said they had to and neither company wants to refund money.l

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Adding money — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Paypal is not allowing me to add money to my PayPal account, from a PayPal XXXX card I purchased. I have added funds from similar cards in the past. But this time, over several days of trying, I constantly get the following error code : - Sorry, the redemption of your XXXX XXXX card could not be completed at this time. Please try again, and if the problem is n't resolved, then call XXXX XXXX card customer service at XXXX. 
- My XXXX XXXX XXXX = XXXX XXXX I have called PayPal three times to fix this issue. Each time they are unable to.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A.
State: IL

Complaint narrative:
I have had a shortage in my escrow almost every year since I opened my loan in 2009. My taxes nor insurance have increased in these years. In fact they decreased. I applied for a modificiation in the beginning part of this year. At the time I applied my mortgage was current. I have not missed any payments. My Escrow is currently short {$700.00} as well as {$720.00} of my payments were applied to fees. I should n't have any fees because my account was current and still is current. A representative told me that there was no money applied to my escrow XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This needs to be corrected as well as investigated because I should n't have a shortage in my escrow every year.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Bay Equity LLC
State: WA

Complaint narrative:
I want to purchase the home I 'm in now. I have a lease option to buy for XXXX I approached a mortgage company : Bay Equity Home Loans, a local franchise here in XXXX XXXX, XXXX XXXX XXXX. My situation is unique in that I 've been a victim of ID Theft with regards to my former employer : XXXX exposing my XXXX Tax information to overseas hackers and that the IRS Confirmed this with a letter in XXXX that my XXXX was submitted a second time in XXXX 2016 : SEE ALL ATTACHED. 

In speaking to XXXX XXXX, he assured me that since I 've got my case well documented that he " felt '' that he could overcome my low credit score and the massive inquiries from XXXX to XXXX 2016 which I 've written the XXXX bureaus about removing as of XX/XX/XXXX. 

I 've asked my real estate agent : XXXX XXXX ( XXXX XXXX XXXX, XXXX, XXXX ) who wrote my original contract and lease option to assist me with the purchase of the home. Now, due to my SHORT SALE of my previous home, I owe the VA XXXX due to the LOSS " BUT '', I 'm still eligible for SECOND TIER loan Guarantee according to the XXXX XXXX of a home up to XXXX. Here are the details of that phone call : 1 - The home needs to have the tongue and axles " REMOVED '' as this is a double-wide manufactured home : THEY ARE GONE! 
2 - VA DOES NOT require an engineers report 3 - Remaining bonus entitlement = $ XXXX XXXX - XXXX of home to buy : {$200000.00} 5 - WE HAVE {$2000.00} in that the landlord/owner agreed to use towards a down payment 6 - The new certificate will be issued as a compromised CLAIM in the center section of my loan certificate NO MIN CREDIT SCORE REQUIRED and it 's based solely on investors and lenders overlay. 

THE PROBLEM : XXXX XXXX at Bay Equity REFUSES to now get me a load because the house was move to this location from the original location where it was set when purchased buy the original owner. THUS : They are DISCRIMINATING AGAINST ME as a VETERAN and REFUSING TO ALLOW ME TO BUY THIS HOME. 

This is NOT ACCEPTABLE and XXXX XXXX told me now I have to SHOP AROUND for a bank/lender the WILL allow me to buy this home because it was moved a SECOND TIME. IT 'S XXXX! PERIOD, END OF CONVERSATION. 

If the VA will GUARANTEE the loan and they could care less if it was moved a bazillion times to another universe, then why wo n't BAY EQUITY or even XXXX do it and shut me down wishing me " GOOD LUCK! '' I DO N'T HAVE TIME FOR THIS XXXX and DO NOT FEEL THAT I 'M BEING TREATED FAIRLY!. I can BE EVICTED and the HOME CAN BE SOLD FROM UNDERNEATH ME and I WILL NOT STAND FOR THAT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 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: ONLINE Information Services, Inc.
State: OH

Complaint narrative:
A business was created under my name without my consent or permission, I have asked several times for the debt collector to remove my number. 
They called yet again today and when I told them it was not my debt they became rude and harassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LENDER LIVE
State: CA

Complaint narrative:
Suddenly, got a call from XXXX ( in XXXX ) that we had missed XXXX loan payments ( XXXX & XXXX ), but our loan had been sold in XXXX last year to LenderLive, not XXXX When we called XXXX, we were told that " for some reason '' a welcome letter had not been sent, so we asked for it. Also, to-date, XXXX is unresponsive, about why they did n't pre-tell us that this change was to occur ( and who they sold it to, so we could make the necessary auto-pay changes )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Northeast Collection Bureau
State: PA

Complaint narrative:
Keep calling my phone and job threaten with legal action also arrest

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Eastern Account Systems of Connecticut, Inc.
State: AR

Complaint narrative:
Collection Company Name : EASTERNACCOS reported to XXXX that I did not paid {$220.00} XXXX. I have called XXXX to send me the invoice or what is the charge. Customer service not able to explain or not able to send me the invoice.Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAVALRY INVESTMENTS, LLC
State: SC

Complaint narrative:
This debt is not mine. I have no knowledge of debt that is attempting to be collected and I want it removed from my credit reports with XXXX, XXXX and XXXX. I want all collection actions to cease and do not want them sold nor transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Medical Society Business Services, Inc.
State: AZ

Complaint narrative:
The debt was paid in 2014 but continues to show as being owed on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: GA

Complaint narrative:
I checked my XXXX credit reports and there was a collection added to my account from XXXX XXXX XXXX which was transferred over to a company called Law office of Mitchell. They indicated the dates was from XXXX and XXXX which if I went to any facility I have always had insurance. There is not a facility bill for these dates of service they are claiming which leads me to believe if the facility had my insurance information then they should also. I am unfamiliar with these bills and this collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Tower Loan of Mississippi, Inc.
State: NC

Complaint narrative:
Twin sisters name, social security number, addresses, collections, phone numbers all show on each of my credit reports. During theses times of collections I was not living in the area. I am currently serving in the XXXX and proved my state of residents and identity to the credit bureau before and nothing was resolved. I am unable to receive my own credit reports due the false entries of someone else 's information on my record. I am not liable of these collections because they are not in my name or social security number. The collections just appear on my credit reports.

Company response to consumer: Closed with explanation