vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-24 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
My XXXX has seen an increased surge in business over the last 6 month, I am a one man show / XXXX. My company has existed for almost 11 years doing $ XXXX+ annual in sales. Due to increased sales i have hit a production limit and been unable to complete transactions in a timely manner ( typical is 3 days, current is 3 weeks, My fault ), However Paypal has decided that I have issued to many refunds ( not chargebacks, standard refunds amicably done between my customers and me ) and have therefor suspended and closed my account and are holding near $ XXXXUSD hostage. They will graciously allow me to process payments for which they will collect and charge thier fees for but will hold ALL FUNDS for 180 days with XXXX release, effectively forcing me to either close down or finance my business for 6 months via other means while they hold my money and charge me fees on it. This is completely unacceptable and I am pleading for help to have my funds released back to my care. I do not want to save relations with them or utilize their services, I simply want MY money back. please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: The Regional Adjustment Bureau, Incorporated
State: NY

Complaint narrative:
The Regional Adjustment Bureau, out of XXXX, TN has apparently taken over a debt that is in dispute. In an attempt to collect on this bill, they have called me, my employer, my adult son, and who knows who else. I have asked them to stop. I told the collections agent that I am disputing the debt. He continues to harass and try various methods to collect. He told me that I HAD to talk to him, that I had to DEAL with it. I do n't even know what the charges are supposed to be for. I believe that it is from a XXXX account that I cancelled and XXXX continued to bill. I requested multiple times to have them send an explanation for the debt, so I could verify and document what it was for, but I have yet to receive it. I have disputed it on my credit report. I have 100 % on time payment record. There is no call for this kind of action. I would like it to stop.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: I.C. System, Inc.
State: IN

Complaint narrative:
COLLECTOR UNLAWFULLY PULLED MY XXXX CREDIT PROFILE ON XXXX/XXXX/2016, FAILED TO VALIDATE DEBT IN VIOLATION OF FCRA! ALSO, CALLED CELL, WORK AND OTHERS SKIP TRACING A DEBT I DO NOT OWE. I AM DEALING WITH ORIGINAL CREDITORS ON ALL DEBT. ( ATTACHED PLEASE FIND CELL AND OTHER DICOVERY )

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 2016-10-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XXXX/XXXX/XXXX I received an email from PayPal that my account was being placed on hold. I called them to get it resolved and they told me that they would have to close my account and open a new XXXX, thereby losing my entire PayPal account history ( of 12+ years of transactions ). They said the reason is that my account was opened in XXXX, before I was XXXX, and therefore my signed agreement with PayPal is null and void. I asked to resign the agreement but they did not comply. They are n't allowing me to withdraw my account balance until I 've agreed to lose my entire account history and have not provided any alternatives.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc.
State: CA

Complaint narrative:
Please review previous complaint, case number XXXX. I believe the current issue is related to this case. 

During an interview last week ( XXXX XXXX, XXXX ) with a federal agent to renew my security clearance with the federal government, I was made aware of negative entries on my XXXX credit report, specifically XXXX references to a XXXX XXXX account that is supposedly in collections. The dollar amount is similar to a previous case ( See my complaint, case # XXXX ) where a debt was mistakenly attributed to me and I was targeted by a collection agency. As you can see from the attached documentation and from the notes in the previous case, this debt was never mine and was eventually cleared ( supposedly ). In a letter dated XXXX XXXX, XXXX, the Collection agency stated that XXXX XXXX notified them that the account had been cancelled and removed. 

I am not sure the XXXX accounts listed on my current credit report are related or not. However, I have never been contacted by XXXX XXXX at any time, and I have never been contacted by a collection agency since this issue was supposedly cleared last year. The reference to it on my credit report is my only indication of a problem. I have already disputed both accounts with XXXX. 

This debt is not, and never has been mine. I know nothing about it other than what I see on my credit report. However, now it is directly affecting my credit rating, and worse, it may potentially affect my security clearance and therefore my prospects for future employment.

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 2015-07-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I have used paypal for many years. In the past years they have introduced a paypal credit concept. It never bothered me since it was assumed that I could just never use this account as I never needed it. 

Fast forward to this month. I find out that all of my transactions now default to paypal credit and I can not change this setting. I got hit with XXXX late fees and XXXX interest fees. The total payment I made was {$110.00} of which {$64.00} was late fees. This is an exorbitant amount of late fees and interest fees. The late fees make up for 57 % of the total payment. 

To add insult to injury, I tried calling paypal. They put me on hold for an XXXX before I decided to try to reach out via email instead. 

When I composed the email, the paypal site promised me a XXXX hour turn around. That was XXXX weeks ago. I have yet to get any sort of reply. I am starting to think that there is no customer service at all at paypal. 

Another point of complaint is that the only way that I knew I had late charges was because they sent a letter to my old address. My address is up to date on paypal yet they sent it to an outdated XXXX. No emails were sent to me and no calls were made to tell me that I was overdue on an account. 

This is fraud in that they forced me to use paypal credit when I did n't opt in to the account then charged me with late fees and offered no way for me to talk to anyone at paypal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A.
State: PA

Complaint narrative:
I am currently working through the process of getting my home out of foreclosure. I am working with a Housing Counselor that is helping me mediate a loan modification with my mortgage company, Flagstar Bank. I was instructed to begin dialogue with XXXX point of contact person at Flagstar Bank. A letter was sent to me XX/XX/XXXX, notifying me whom my contact person would be, XXXX XXXX. Since that time, over three months now, I have been unable to reach XXXX XXXX. I am often directed to an automated message or an associate who is unfamiliar with my loan circumstances. I have been given incorrect information from other agents, and even reprimanded for requesting to speak to XXXX singular point of contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I received a bill, in the mail, from PayPal Credit for {$1900.00}. I attempted to contact PayPal, with whom I have an account, directly but they never answered my call. I submitted a copy of the fraudulent bill but have not gotten a response. I called the company, Pay Pall Credit 's number listed on the bill and they wanted personal information to file a fraud complaint. I do n't know what to do. I never opened an account with Paypalcredit.com. What do I do?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-02 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: I.C. System, Inc.
State: CA

Complaint narrative:
IC System has refused to acknowledge my debt validation letter. I mailed it certified on XXXX/XXXX/16. I do not owe this purported debt. I am attaching a debt validation letter and proof that I do not owe this debt. By law they are required to respond to my validation letter. Once they go through the validation processs, they will see that I do not owe this 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 2015-10-30 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Misled on credit terms ; paypal credit advertises special financing but makes no mention of it 's applicable time frames and whether or not it 's applicable to a current purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: ROYAL UNITED MORTGAGE LLC
State: TX

Complaint narrative:
XXXX closing was done by a notary that did n't have a clue what the documents were that he was having me sign. Could n't answer any of questions. When I asked a question all I was told was I do n't know that is where you have to sign and if you do n't sign then the loan ca n't be closed. I was told all documents would be explained and I was told that if I submitted a voided check the funds would be direct deposited to my account, which I submitted but funding day some of the funds were wired to a holder of a previous home equity for a payoff ( which is fine ), The next day I received cashier checks made payable to companies for me to forward, which caused my pickup payment late and on funding day the cash out funds were wired to my account which caused an incoming wire fee that was not disclosed to me. The loan officer that was assigned to my account has stopped communicating. Apparently since he got his commission he is done with my account. I tried to email Royal United Mortgage to find out who I could discuss this with but my email was returned as blocked.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-10 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: Trident Asset Management, L.L.C.
State: NJ

Complaint narrative:
I have send this people proof that i have never lived where they said i got a bill also i have told them i had an identity theft and they still do n't get it!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WINNPOINTE CORPORATION
State: CA

Complaint narrative:
I refinanced my home and was told there will be no closing costs, and now I found on the closing documents that they charged me about {$1500.00} dollars. I 'm trying to call this company and they do n't answer my phone calls, I had leave several messages to call me back and they do n't call 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 2015-11-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc.
State: FL

Complaint narrative:
I had a loan that is over 11 years old that I took out with my ex-wife. In my divorce decree it was stated that she assumed any and all responsibility for the debt associated with the house since she sold the home without my consent. Also the statute of limitations on this debt is well over the 4 years per XXXX law where the loan was taken out and over the 5 years per XXXX law where I currently live. This violates the Fair credit laws on the statute of limitations and my rights for freedom from the law that is meant to protect me from such actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: ROYAL UNITED MORTGAGE LLC
State: WI

Complaint narrative:
I applied for a loan with a loan advisor XXXX at Royal United Mortgage XXXX on XX/XX/XXXX for myself and wife to pay off our investment property I sent over copies of 2 years of tax returns XXXX our drivers license copies of both residence bank statements and all our loans and credit cards information thinking that we would be approved for the loan from XXXX who mentioned it sounded like he had approved the loan. After all the transaction of trusting this guy he called on XX/XX/XXXX and told me that the loan was denied.My main reason for this complaint is after applying for that loan XXXX some how added my wife information onto my credit and added my information on hers causing both of our credit scores to drop extremely low I would like to know if this legal or is this considered fraud.Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX billed me for balance not covered by insurance for ER services rendered to my minor daughter on XXXX/XXXX/XXXX after her father, the insured, refused to pay. Prior to treatment, admissions clerk had me sign a computer pad & explained that it was permission to treat & bill insurance. Provided father 's info during services rendered & clerk said he would be billed as responsible party. No copy of the signed document was provided to me. Within 1 day of receiving balance notice reassigned to me, I paid XXXX of bill and provided hospital with copy of signed XXXX XXXX stating that father is responsible for equal share of uninsured medical bills & his complete contact info to pursue payment. Instead of responding to my dispute XXXX XXXX XXXX XXXX sent me a XXXX bill for 50 % balance. I initiated over 10 phone calls to dispute and assist in providing father 's current information to collect, but instead of attempting to contact court ordered responsible party for payment, hospital assigned XXXX ( XXXX ) to collect against me. 

Per court order supplied to XXXX XXXX XXXX XXXX XXXX collection agency on multiple occasions, I paid my responsible 50 % of medical expense on XXXX/XXXX/XXXX, included complete contact info for other legally, responsible party & biological father, XXXX XXXX and disputed remaining collection. 

After filing previous FTC complaint # XXXX, I received notification on XXXX/XXXX/XXXX from XXXX that debt had been cancelled. 

On XXXX/XXXX/XXXX, I received collection letter from new agency, Progressive Management Systems for same debt. 

XXXX XXXX XXXX XXXX has been provided, on multiple occasions, supporting documents & complete information for responsible party, but continues to re-assign new collection agencies to pursue 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 2015-05-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
This auto finance agreement was paid in full over 15 years and I would like the content removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Trident Asset Management, L.L.C.
State: MD

Complaint narrative:
I have asked Trident Asset Mngmt to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
I make my monthly payment online to my mortgage company ( Associated Bank ), as encouraged by my lender. My payment amount is about {$680.00}. and I generally pay more. Associated Bank 's online payment program allows customers to select from the following XXXX options ; ( 1 ) Payment ( 2 ) Principal Only ( 3 ) Escrow Only. For my XX/XX/XXXX and XX/XX/XXXX payments I selected ( XXXX ) Payment - with the expectation that the payment would be applied to Principal and Interest. After making my XX/XX/XXXX payment, I noticed that both, my XX/XX/XXXX and XX/XX/XXXX payments were applied XXXX % to Principal. 
I called Associated Bank and advised this was not as intended and I needed the payments to be applied to Principal and interest otherwise, I was being harmed as a customer and would need to pay more. 
They said they would look into it and get back to me. They have since said they can not reapply my payments and that I have not been harmed. But here are the facts. 
3 payments of {$680.00} is {$2000.00}. 
I paid {$720.00} in XX/XX/XXXX, {$750.00} in XX/XX/XXXX for a total of {$1400.00}. 
I was informed that since my last two payments were applied only to Principal that my accrued interests balance is more than {$1400.00} ( which I would need to get to XXXX for future payments to be applied to principal ). So if I add what I 've paid for XX/XX/XXXX and XX/XX/XXXX {$1400.00} and {$1400.00} ( accrued interest ) that totals {$2800.00}, which is more than {$800.00} more than I would be required to pay during the same 3 month period. 
Not only am I being forced to pay more over a three-month period. It appears there is a systemic problem with Associated Banks online payment process that applies payments in a manner that harms their customers. I never requested that my payments be applied only to principal and now they are telling me it will not cost me more ( not correct as noted above ) and that they can not fix it ( not true, I am sure they can re-apply payments whenever they want ). 
Again, all I ask is that my payments be applied as they were intended, which is to Principal and Interest and not in a manner that benefits Associated Bank, or harms me, which is what they are doing. 
Again, it seems to me there is clearly a systemic issue at Associated Bank that is benefiting them while harming their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PHH Mortgage Services Corporation
State: CA

Complaint narrative:
I tried to obtain a home loan through PHH and was quoted a rate of 4 % and at loan signingI was given a rate of 5 % - my loan officer did not tell me why and left to go on vacationfor 3 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: TN

Complaint narrative:
I am a customer of PHH Mortgage. My monthly mortgage payment is {$2200.00}. All of my payments to are up-to-date, and I have in fact overpaid them as I will demonstrate. In XXXX 2015, there was a small change in escrow ( {$96.00} ) for my payment which I did not notice, and I paid the historical monthly amount. I noted the error the next month, made the catch up payment for prior month 's escrow, paid the new monthly amount, and called PHH to report the mistake. I was assured in XX/XX/XXXX by PHH that all amounts would be applied pursuant to my intention. After six months, they have failed to correct the issue in spite of my repeated and consistent calls. I have spoken with XXXX, with XXXX XXXX, XXXX XXXX and a number of others at PHH. I also followed up in writing with XXXX and XXXX. Not only have they not corrected the error in over 6 months, I was incredibly disturbed to receive correspondence ( attached ) dated XXXX XXXX, 2015 indicating that I owed PHH {$11000.00} and that payment was due just three days later! This is reprehensible! On top of that, I received a communication dated XXXX/XXXX/2015 indicating ( for the first time ) that my escrow amount was changing effective XXXX 2015. Ironically, the amount went down, so I have actually been overpaying what I owe them from that date to now. Mortgage servicing is one of the most important functions in our American economy. Family financial security, credit ratings, and accessibility to affordable home financing are dependent on an efficient administration of mortgage debt. PHH is not up to the task.

Company response to consumer: Closed with explanation