vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
Hi well flagstar was my bank they wouldnt modify my loan stated i didnt have enough income.I explain my income would go up in a few weeks They only added my income up and said i couldnt afford the morgage. I feel they could have did something to help me i had been in my home for 22yrs. and lost and walk away with nothing. Flagstar took the loan and 3 mos later is when my income drop thats why they said i couldnt afford the lloan. If i knew i could have come up with more income from a family member maybe i would had better chance. but they recommended nothing i feel im still intittled to something what a lost for me do u know of anyone to look further into my case. I was supprise to see they have to pay back so much money to consumers i wait for your response Much Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29 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: NY

Complaint narrative:
I was sent a letter from IC Systems stating I owed a credit {$170.00}. I have a copy of the debt demand. When I disputed the debt and asked that they furnish proof that I owe this debt I was told that if I did not pay the {$170.00} then they will report me for owing XXXX ( which I certainly do not owe ). I told the agent I am an attorney and that was blackmail. He hung up the phone. I was never sent the proof of debt ( I even faxed my dispute to them ) and instead they reported to the credit bureau that I owe {$980.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I am writing to dispute the following information in my file. The items I dispute also I have the attached copy of the credit report I received. Such as credit account, judgment, etc. ) Is ( inaccurate and incomplete ) I am requesting that the item be remove corrected. 
Please reinvestigate this ( these ) matter ( s ) and ( delete ) the disputed item ( s ) as soon as possible

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 2016-05-31 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
im a seller on ebay so I did sold a very expensive bag to a women in California at the beginning I have to open unpay case on her since she did not make the payment she she say was sick finally she pay and next day want to cancel the payment I did it later want to pay so she did throught paypal I send the bag so 2 day later she email saying she was on vacation and she came back the package was left with the neighbor and the package was damage and the bag was not there I told her to call the police she say no because police will not do any thing that she want we try to collect from the post office she was not concerned at all and I believe she did it with the neighbor now after 1 month she turn it to paypal and they took money from my account and refund her XXXX dollars from my account so now she have the bag and my money I use paypal to pay for muy post office shipping so they can clear see the I shipping the bag they have the trcking number and everything but still give the money to her im at total loss please help me this is not right I have all the proof the I shipping to her

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-03 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal ( XXXX ) XXXX. is in breach of their own policy. My account has been limited for 180 days on XX/XX/2016. 180 days have passed and PayPal is still not allowing me to withdraw my money. They have requested Proof of Address, I have provided it, yet they are still delaying the release of funds. They said that my documents have been approved in their system, but that I ( still ) have to wait for someone from the Compliance Team to check them. I called them numerous times and every single time their reps tell me different things. I have no idea who to trust anymore. I do not want to wait any longer, 180 days are off, I need my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
To whom it may concern : I applied for a fha XXXX loan to repair some roof damage to my home. I have very good credit and a long and stable job history. The value of my home covered the increase easily. The loan took over 1 year to close. My loan agent charged me {$3900.00} in points to lower my interest rate from 4.5 % to 4.5 % XXXX no it is not a typo, no change in interest rate XXXX. When I questioned him about this over the phone ( late closing ) he gave told me he was going to research it. During the closing I asked the escrow agent and she could not explain it to me. In order to justify the addtional fee, the loan agent ignored the instructions from the XXXX XXXX consultant and only accounted for partial fees that should have paid for my XXXX fees. I believe the agent knew what he was doing and stalled for time since he is no longer working with XXXX XXXX mortgage. I was purposely mis-informed, lied to, and the mortgage agent took advantage of my need to get my house repaired. I have reached out to the mortgage company and their management I am being ignored. I am now concern for that my credit identity and assetts may have been compromised since the agent in question has all of my personal information in order to process my loan.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-04 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I am writing this letter in regards to a money transfer problem I am having with PayPal. 
On XXXX XXXX 2016, using PayPal 's money transfer service, I authorized a money transfer between my bank account and my son 's PayPal account in the sum of {$3000.00}. Five dollars was PayPal 's fee for the transfer, {$3000.00}, for my son. As cited on my bank statement, the withdrawal from my account, as an electronic check, happened the same day of the authorized transfer, XXXX XXXX. PayPal 's website claims that the money would be available six days from the authorized transfer, on XXXX XXXX. The day came and went, no transfer, the money is still pending on my PayPal account as of XXXX XXXX, 2016. 
I have tried a stop check and filed a claim with my bank against PayPal ; the bank said that because the withdrawal was in the form of an echeck ( can not be traced ) and it was authorized by me, that there is nothing the bank can do for me ( after 10 days and a fee ). We tried a XXXX phone conversation, me, my bank, and PayPal with no resolution, PayPal 's customer service representative misread my information and told us the money had been transferred to my son 's account, when I checked later by computer, it had n't. On my PayPal account site for some reason, above the transaction it reads 'pending ' but under my son 's name, it reads 'money sent ', yet nothing 's been sent. I called XXXX local lawyer offices looking for advice, XXXX told me to write our state XXXX and file a complaint with the Consumer Financial Protection Bureau, the other office suggested I try to call the XXXX that processes the echecks. 
I have called PayPal 9 times since XXXX XXXX and no customer service representative can assist me with this problem, nor can they give me a real reason why the transfer has not happened. I was to get an email about the problem, yet never did. All the customer service representatives tell me they can not give a time frame for when the transfer will occur. XXXX representative told me that it was my bank holding the money ( not ) ; XXXX others said that ACH the business that processes the electronic checks, lost the link to my check, there was to be an IT technician on the problem soon, still no time frame. I asked PayPal if I could call XXXX, they said no. I called the company that writes the rules for XXXX, XXXX XXXX XXXX XXXX XXXX, and asked them if PayPal or XXXX could have lost the link to my check, they said it was not possible. So, I am at a loss as to how to get this money either back into my account, which would be my number XXXX resolution, or into my son 's PayPal account, where it should have gone in the first place. 
Any advice, information, or assistance will be greatly appreciated!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-19 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
i signed up for a paypal credit card so I can make a large purchase on XXXX and get 0 % interest for XXXX year, I never made the large XXXX purchase but continued to make small purchases. paypal took it upon themselves to use there credit card to charge all my XXXX purchases, I never wanted to use this card until I made a large purchase, paypal already had all my bank debit card on file and should of used it to make payments not there credit card, I have used this debit card with paypal for XXXX for the past XXXX years. i feel that in the near future paypal will start to charge interest for every purchase from day XXXX at a very large interest rate. I have also emailed paypal several times and never got a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I dont have this credit card, nor did i ever recieve this credit car, however it is non my credit report. I would like this whole enitre account shut down and to never open back up! I dont use paypal the first time i ever had an account was just the other day when i made it. And I would appreciate a letter in the mail or even an email stating that paypal will shut this whole account NOW! THANK you very much! XXXX XXXX ADDRESS XXXX XXXX XXXX, XXXX PA XXXX, AND I HAD A STATE I.D TO PROVE THAT AS WELL, ALSO YOU CAN SEND ME AND EMAIL AT XXXXXXXXXXXX thank you very much

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: CO

Complaint narrative:
I am preparing to return a leased vehicle financed through Ford Motor Credit ( FMC ). FMC subcontracted AutoVIN to perform a lease end inspection. According to this inspection, I am responsible several repairs totaling {$580.00} that do not fall under " normal wear and tear. '' One of the charges for {$220.00} is to repair a " XXXX inch scratch '' on the front bumper. The picture provided with the inspection, clearly shows that this is not one XXXX inch scratch, but a series of smaller scratches that I should NOT be charged for according to the information provided by FMC. I have called FMC a total of 6 times to try to speak with someone to try to resolve my dispute. Each time I call FMC I am told they will look into it and they will call me back. They never call me back and FMC is clearly just delaying things until I am required to return my lease.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-26 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Eltman Law, P.C.
State: PA

Complaint narrative:
I received correspondence from Eltman Law PC on XX/XX/XXXX stating that I need to fill out a form of interrogatories. It is in regards to a debt that I won a judgment on XXXX. I was the defendant in the case and there was a judgment for the defendant entered. the plaintiff filed a civil appeal that I never received any notice of the appeal. Eltman law is trying to collect on an invalid debt by representing and threatening to take legal action on the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: SC

Complaint narrative:
I 've become aware that Ford Motor Credit is reporting an outstanding balance that I know to be incorrect. I have disputed this account record but they have verified to the credit bureaus that the information is 100 % accurate. Not so. I requested an itemized bill showing how the sum of the charges added up to what they 're saying I owe. Reporting an incorrect balance to the credit bureaus is a FCRA violation. I 'm requesting your assistance in helping me get this company to correct my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
I applied for a charity assistance with this debt twice with XXXX and was still sent to collections

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Credit Service, Inc.
State: TX

Complaint narrative:
Caller continues to call my cell phone using NO CALLER ID, then leaves a message telling me to call her back ( XXXX XXXX ) at XXXX XXXX because of a claim that has been filed with her office. This is nothing but a scam as I have no outstanding debts and good credit ratings. This is the second time within 3 months they have tried this threatening me with a previous XXXX debt/lawsuit by end of business today, " but would take a few XXXX as a down payment to delay the filing ''. However, they would need to draft my bank account so I must provide them with my routing number/account number. What a joke!!! Please shut these people down before they hurt many innocent people! How do they sleep at night? 

Also found the following via Internet : Business Contact and Profile for Asset Recovery Associates Name : Asset Recovery Associates Phone : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX Website : XXXX Principal : XXXX XXXX Customer Contact : XXXX XXXX - ( XXXX ) XXXX File Open Date : XXXX 2008 Type of Business : Collection Agencies XXXX Accreditation : Asset Recovery Associates is not a XXXX Accredited business. 
Additional DBA Names : ARA Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Credit Service, Inc.
State: WA

Complaint narrative:
I have received repeated phone calls to my home phone, personal cell, work cell, and work phone starting in XXXX of 2014, and once every ~XXXX weeks from ( XXXX ) XXXX, ext XXXX, referencing a court case against my ex-wife ( XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX Their reference # is XXXX. 

The caller XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX have stated that my ex-wife has listed me as a character reference in the court case and the only way that they would stop calling is if my ex-wife provides and affidavit. They refuse to identify their company, provide an address, or refuse to stop calling ; they have called my sister with the same tacticsI have not seen or spoken with my ex-wife in over XXXX years and explained it to them, yet they persist. They have even threatened me with a subpoena if my ex-wife did not contact them. 

I have contacted XXXX XXXX XXXX XXXX and they indicate the judgement listed is closed and suggested I contact their collection agency. I contacted their agency XXXX XXXX XXXX ) and they said they have not been trying to contact me and have no ties with the number listed above. 

They do not ask for anything beyond " do I know my ex-wife 's whereabouts and that she needs to contact them ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Financial Credit Service, Inc.
State: CA

Complaint narrative:
I was contacted by this company. They said I had XXXX counts of check fraud against me and would be taken to court and I needed to call. I knew it was a scam but called anyway just in case. Long story short, I was told I had a loan for {$500.00} between XXXX and XXXX and when they went to take it from my account they could n't for whatever reason, so they tried to charge my now closed XXXX account, which I closed a couple months ago, and they could n't charge it since it was closed. I said I wanted documentation of this. They did n't tell me what company I got this loan from of course, just said the sub-lender was XXXX XXXX, who I found was a for sure scam after looking them up. They wanted me to pay {$770.00} which included the {$500.00}, {$70.00} insufficient funds fee, and {$200.00} to have my case dismissed. She later added a {$2800.00} tax lien. I said no, I want paperwork. I was abruptly transferred to a man who did n't ask for any information, just said the only documentation you will get is a subpoena. Your check was deemed worthless XXXX/XXXX/XXXX ... and I stopped him there. That 's not the date I was given. He said that 's not my problem I 'm a paralegal and you ca n't see our documentation until discovery.You broke the law and if the rep gave you wrong information that 's not my problem, my only job is to collect, I do n't care about anything else. I kept trying to get a word in but he talked over me. I just kept saying, this is all nice but you are now telling me a different story. Before I could even finish that sentence, he put me on hold for over a minute so I hung up. 100 % scam, I did n't have XXXX back in XXXX anyway. They left voice mails for me on my phone and my friend 's phone, so that really made me angry. The voice mail indicated I was being summoned for XXXX counts of check fraud and it was filed XXXX/XXXX/XXXX and I need to pay. She read off the last XXXX of my social, my name, DOB, and current address. The " paralegal '' said I got an email about whatever debt in XXXX and he read off my email address. ( no such email ) Just did n't appreciate how bold they were. I spoke with a XXXX or XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. The man never gave his name.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Credit Service, Inc.
State: CA

Complaint narrative:
Recieved a letter from XXXX XXXX with ARA Inc. Stating that i owe a debt for a bank account with XXXX XXXX Bank which ive never held an account with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
I was admitted to the hospital and the finance department failed to inform be before discharge that I had a copay. Hospital did not have current address on file thus unable to provide documentation describing the amount in question. {$100.00}. The amount was paid and I am disclosing receipt.

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 2016-01-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: MD

Complaint narrative:
I submitted a written request to have PMI removed from my account because the LTV was at XXXX % and would drop below XXXX % with the next scheduled payment. I received a letter and form from the bank with instructions on how to remove the PMI. One of the options was to pay the remaining principal balance of .1 % along with a Certificate of Value fee. I completed the form, selected the option to pay the principal down to XXXX % and the COV fee, and mailed it along with a check for {$480.00} for " XXXX XX/XX/XXXX, the check was cashed by the bank. On XX/XX/XXXX, the bank charged a payment that included PMI. I contacted the bank on XX/XX/XXXX and XX/XX/XXXX to find out the status of the request. The phone representative stated that the PMI request was denied, but could not provide any additional information regarding why the check was cashed, why the request was denied, or why I was not notified. Additionally, the bank could not confirm if the funds from the check have been applied to account, or simply taken by the bank despite the rejection. 

I am filing this complaint because PHH refuses to remove PMI from my home mortgage despite the fact that I meet the requirements of the Homeownership Protection Act of XX/XX/XXXX. I have paid down my mortgage to XXXX % of the loan, have a good record of payment and compliance with the terms of the mortgage, made a written request, and paid for the COV to show that the value of the property has n't gone down. The property is not encumbered with liens ( such as a XXXX mortgage ). Since I meet all these conditions, PHH must grant the request to cancel the PMI.

Company response to consumer: Closed with explanation