vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-03 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: FORD MOTOR CREDIT CO.
State: ND

Complaint narrative:
Ran a credit report without my consent. I 've never given consent nor will I ever do so. Furthermore they did not notify me of this, which violates law

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02 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: Gatestone & Co. International Inc.
State: AZ

Complaint narrative:
In reviewing my credit report it has occurred to me that the debt collector called XXXX. INTERNATIONAL INC, is still trying to collect on the debt however the debt reached its statutes of limitations of the 6 year mark as of XXXX of 2014, and the debt was incurred in Arizona and according to A.R.S 12-548 " Contract in writing for debt ; six years limitations ; choice of law '' For future reference I had a legal last name change my last name use to be XXXX it is now XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-05 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
On XX/XX/2016, I disputed the alleged debt within the XXXX period. When I received their letter on XX/XX/2016, I asked for detailed documentation in the attached letter labeled " CFPB-PMS2 ''. 

I did not receive a reply nor did I receive any documentation I asked in my letter. Instead, they blatantly violated FDPCA, FCRA and despite my admonition, falsely reported against both of our credit files with the XXXX bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A.
State: MI

Complaint narrative:
Due to financial hardships, I had to file bankruptcy. Flagstar Bank was quick to close and tag it as " derogatory and closed ''. Causing detrimental harm to my credit score. I signed, filed and the Court approved the Reaffirmation letter in XX/XX/2016. At the time of this report, the account is still listed as derogatory and closed, and added a late payment to hinder the process of improving my credit. The late payment in XXXX was due to Flagstars ' refusal to accept my payment at my local branch, or online, and having to pay through a 3rd party provider for them due to the bankruptcy, costing substantial late fees and costs to process the payment. I have made several calls to XXXX, Michigan headquarters to find that XXXX XXXX isnt available, the XXXX in charge of these cases, and have NOT received a call back. First call was placed in XX/XX/2016!! I have filed XXXX disputes with XXXX to have them correct the issues, only to have it cause more harm, and still causing it to show as derogatory and closed, whereas XXXX took One dispute and is displayed and portrayed as correct. With NO derogatory comments or remarks. This is the last step per attorney advice, before filing an FCRA violation suit.

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 2016-08-08 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A.
State: NY

Complaint narrative:
due to unforseen issues, we took out an equity line on our home in XXXX at a rate of 4 % interest only the loan matured in XXXX and was purchased by flagstar bank we then applied for a loan modification with flagstar because we have suffered a financial hardship the monthly payment on our current 1st mortgage is approximately {$4700.00} including taxes and insurance flagstars offer for the modification was a 240 month note at an absurd rate of 6.5 % which is ridiculously above the current lending rates ... .and the monthly payment would be approximately {$3300.00} We had sent them all documents for our full financial disclosure and there is no way that we can afford more than {$8000.00} monthly towards mortgage commitments based on our net income flagstars only alternative was to press us to pay the full amount of the note which of course we can not afford and has not provided any alternative options we are stuck in our own mortgage crisis

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Upon inspecting my XXXX Credit Report for Hard Inquiries, I found several items that I had never applied for, in this order : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ). 

I never authorized these companies to pull my credit information, and have never filled out any forms or applied for any of their credit services, yet they have all made hard inquiries on my credit report. 

I 'm not sure if they are someone else 's accounts and being reported on mine, as my credit reports do not indicate that I have accounts with these businesses ; only that they are making hard inquiries on my credit report without my permission and damaging my score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I 'm selling products on Ebay for a few months and everything was fine until I tried to upgrade PayPal account to business account with a debit card. PayPal required that the account owner has a valid SSN, address, ID, etc. So I added my husband 's information as the main account holder since he has everything they need and we have been using his bank and address since the account was opened. Less than 24 hours after I added his name, PayPal sent me an email with Case ID # XXXX telling me that my account is now permanently limited and would n't be able to do anything for 180 days to make sure I have enough money to cover any payment reversals. 
I have n't done anything wrong or break any agreement with PayPal or Ebay. There wo n't be any payment reversal from Ebay as well because I never enabled the return option for customer and I got 100 % positive feedback on Ebay. I do not want to wait 180 days to get my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
This morning I woke up to a fraudulant charge for {$1200.00} from Venmo ( PayPal subsidiary ) through my XXXX checking account. Multiple attempts were tried, but they managed to steal {$1200.00} from my account drawing it negative. XXXX says they are stuck and can not do anything unless Venmo cancels the charge today. Otherwise I get to go through a lengthy process of disputing something, I should not be wasting my time dealing with since it should be much easier to deal with fraud charges. They ( XXXX ) knows its bogus, especially when I called them XXXX hours before their fraud team called me to inform me of a potential bogus charge. I have tried contacting everyone at PayPal and they pass the buck to XXXX ( company they bought which in turn owns Venmo ), and XXXX states they have XXXX contact with Venmo other than the XXXXXXXXXXXX email address you will only find on Venmo 's site. No contact numbers, no dispute resolution, nothing. They are a shady company clearly, and they allowed to operate with such autonomy how? Its my funds that were stolen from my account by a company I do not have an account with. So I have been emailing, tweeting, and calling everyone possible. I have all the emails that I have sent, but long and short I need someone to step up and do the right thing today.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Mortgage Research Center, LLC
State: IA

Complaint narrative:
My ex-husband is in the process of obtaining a home loan with Veterans United Home Loans to finance the home mortgage in his name only since it is currently financed only in my name. His mortgage company has requested I sign a form in order to get the payoff on the mortgage, which I originally refused to sign. The form is a standard form which also includes an authorization to release credit information. I stated the loan he 's applying for is not in my name, and they do n't need me to sign this. However, after many attempts at sending another form my attorney drafted, giving my verbal authorization, and leaving voice messages, I finally signed the form just so he would get the loan financing done and out of my name. However I do not feel the company should be requiring me to sign a standard form letter that does not apply. Please research and respond. Veterans United Home Loans - Loan # : XXXX, Borrower Name : XXXX, Loan Officer : XXXX ; NMLS XXXX ; ph : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRINITY HOPE ASSOCIATES
State: FL

Complaint narrative:
Debt was paid by insurance company in XXXX 2015. Trinity Hope knew the debt was paid as an email was sent by the billing company to Trinity Hope at least on XXXX XXXX, 2015. The billing company and the insurance company do not have any records of another " mystery '' debt they claimed I owed. They would not provide the name and address of the original creditor as required by federal law so I could never validate the debt. The name of the original creditor provided in the Validation letter forward to me on XXXX XXXX, 2015 could not be found in a XXXX search. They did not provide this information to me because they did n't want me to contact the original creditor. They just continued to call and call and call and email and email me. Both the original creditor 's billing company and my insurance company has called and emailed them. Record all your phone conversations and demand that any correspondence be conducted by email. I did both and they prove that Trinity Hope violated Federal laws. I will be taking them to court on the civil side. I have requested charges be filed by the local police department for felony fraud and attempted theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION
State: MN

Complaint narrative:
My husband ran the car into a pole, attempting to avoid a dog in the street. The care was deemed a total loss on XXXX/XXXX/2016, my due date for payments is on XXXX/XXXX/2016. I thought the claim would be finalized by then, but it was not. I made over 15-20 phone calls to the insurance department at Regional Acceptance, and XXXX XXXX in the insurance area. I asked XXXX. Acceptance to expedite my claim, for XXXX XXXX of XXXX XXXX claims adjuster phone # XXXX. Claim # XXXX, to verify information, my claims adjuster was waiting for a letter of guarantee, of which the process took 4-6 weeks to send this letter. The process was taking so long, that I spoke to XXXX XXXX at regional Acceptance about the amount of time it was taking to complete the process, so she offered an extension, of which I was not sure why I needed an extension on XXXX/XXXX/2016, until XX/XX/2016. The process was not completed by XX/XX/2016. The timeliness of XXXX XXXX is unacceptable. I have never in my life, known for a total loss to take almost 3 months to complete. The Gap Insurance process my claims in a matter of days once everything was received XXXX XXXX XXXX XXXX, claim # XXXX. All of the information can be verified by calling any of these entities, in fact, I am enclosing additional information. I do believe I owe any more money, these is time limits on when and how much time these process should take and I should not have to be penalized for someone else lack of good customer service in processing this claim. The amount of time it took to process this claim is unacceptable. I never received a call from XXXX XXXX ever. I just got excuses for Regional Acceptance for the length of time it was taking. The amount is unfair. I do appreciate your time in considering this matter. The amount of my payment each month is XXXX, but the amount Regional acceptance reports is still owed is XXXX, for two months and no one can give me an explanation as to why it is this amount.

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 2017-01-25 00:00:00
Product: Money transfers — International money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I ordered items from a vendor in XXXX 4 months ago. Not until now did I receive this order. However, the item is not what I ordered. I tried to contact the seller through QQ - a chatting program similar to XXXX, after a few words, the seller blocked me from her account so I can not reach the seller anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: The Regional Adjustment Bureau, Incorporated
State: TX

Complaint narrative:
I submitted a previous complaint : Ref Number XXXX The company who is handling my student loan ( RAB Inc ) said the dispute was resolved and it is not. They admitted to me by phone that whomever they bought my loan from finally gave them the records that I was always on time with my payments and not in default. My credit was extremely adversely affected by no fault of my own. Bringing my credit score from XXXX to XXXX. I want RAB Inc to submit a letter to me saying that they will take the derogatory marks off my credit through all XXXX bureaus immediately. I want a letter in writing. This company is ridiculous.

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 2015-08-12 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
i ordered computer parts and payed with my paypal account. when i clicked the summit button it said thank you for using pay pal credit. i know i did n't sign up for paypal credit the money was taken out of my regular paypal account they are duping people into believing they signed up for it by mistake.i have ordered many times from paypal and i know i filled out the forms correctly. and when i clicked the summit button to transfer money from paypal to XXXX it magically turned up saying thank you for using paypal credit ... .if i used paypal credit why was the money taken out of my regular paypal account?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.C. System, Inc.
State: OH

Complaint narrative:
I have an unverified account from IC SYSTEM, INC. I had previously disputed this account. I have never done business with IC SYSTEM, INC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that IC SYSTEM, INC Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that IC SYSTEM, INC Cease and Desist all further communications and collection actives and provide the verification of the purported 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 2016-01-22 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
I believe paypal is scamming me. A few months ago I made some purchases on ebay and used PayPal to purchase items. After quite a few purchases I started receiving bills in the mail from PayPal for paypal credit. I did not sign up for this service and expressed that to them but all they would do is cancel the service. My bills from them are stacking up. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-24 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: TX

Complaint narrative:
I.C system has been trying to collect a debt I do n't owe.The original owner of the debt was XXXX.A power provider that advertises its services without the need of a contract or even credit check.My obligation to XXXX was fulfilled and no balance was due upon the termination of service. However, XXXX claims that a contract was entered and an early termination fee is due.Such charge was disputed and removed from my credit report back in XXXX of 2015. However, I.C system is once again trying to collect on a account they know to well is satisfied.Furthermore, they 're once again reporting negative information to the credit bureau.

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 2016-08-25 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I paid XXXX XXXX of XXXX XXXX XXXX {$7000.00} to develop a computer/tablet/phone app and never received it. I was told by Paypal reps that i was covered under their Buyer Protection Policy so I disputed all XXXX separate transactions with Paypal. After the disputes were filed, Paypal declined them and refuses to help me get my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-27 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
I noticed recently, that I was getting products from E bay I did not order. Finally I find out, that it was account opened under my name for Bill me later Pay Pall. I never opened this account and never used it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I made an on line purchase of a class ring in XXXX 2015. The vendor used PayPal as a method of payment. Having purchased several items using PayPal who has my credit card on file there was no problem. After several weeks of not having received the item, I gave the vendor a deadline to have the item delivered or the purchase would be cancelled. The item was not received and there were no charges on my credit card so I assumed to purchase was cancelled. Sometime in XX/XX/XXXX or XX/XX/XXXX I received a bill from Bill Me Later/PayPal for the item. I contacted PayPal and XXXX XXXX and advised them I never opened an account with them and that the purchase in question was to have been placed on my credit card. I requested copies of my loan application, loan contract and disclosures, none of which have been provided. I attempted several more times to obtain documentation, all requests were ignored. I continue to receive statements and now I received a collection letter from a collection agency. This account was and is a fraudulent account not authorized by me and should never have been opened. I advised PayPal that the purchase was cancelled and that they should contact the vendor if they paid him.. The representative told me it was not their responsibility to resolve the issue however it is my understanding that since they did open an account on behalf of PayPal that under the Holder in Due Course Doctrine, they do have a responsibility. Either way, I did not authorize PayPal to open the account and from what I can tell, I am not an isolated incident.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Flagstar Bank, N.A.
State: SC

Complaint narrative:
I summit a application for a loan modification loan that was suppose to take only 3 months, after summiting different documents that was requested by flagstar bank for nearly a year, and I was told to not make any monthly payments until instructed to do so .well after 1 year I was told that my home was in forclosure and I had 30 days to moved or my furniture will be place outside, so I moved out, after complaining to XXXX and credit consumers trying to get help, I received a letter from attorney that my home was never in forclosure, they classified it as loan modification fraud and I needed to seek an attorney.this bank moved a lot of homeowners out in the streets, they were investigated and was found to have lied to some of there customers, mostly XXXX.then I notified by XXXX mortgage as to why I moved out my home and that my mortgage was turned over to them, I 'm still devastated and embarrass, I have never been late with my payment to Flagstar Bank until I was told not to send payments .im presently trying to seek help with this embarrassment.now it 's on my credit report.what do I do now? My name is XXXX XXXX, vs Flagstar Bank.please Help me Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation