vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I received a PayPal debit card in the mail which I had NOT requested. The card was sent to my home address in the name of " XXXX XXXX. '' I immediately called PayPal to cancel the card and to find out what had happened. The representative acknowledged that the account had been opened using stolen information. I subsequently communicated with the PayPal representative by e-mail ( which I have ) to confirm that the account had been closed and that the matter was resolved. I am now being harassed by a debt collection company ( XXXX XXXX XXXX, XXXX. ) with respect to amounts owed to PayPal relating to the fraudulently opened account.

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 2016-11-19 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
Paypal denied my fraud claim for a fraudulent transaction on XX/XX/XXXX in the amount of XXXX. Paypal claims I previously submitted an e-check in the same amount to same person, which is a lie, I explained to rep that whomever did the transaction had previously attempted it differently using an e-check but that was canceled prior, then sent directly from Paypal balance. This was done so I am unable to dispute the transaction as a purchase, I also explained this to Paypal rep ( s ). The person the funds were sent to. XXXX XXXX, has not responded to my emails and I absolutely do not know this person. I suggested to Paypal rep ( s ) that the transaction be reversed out of the persons account ASAP. However, they have not complied and will not credit my account back. I have also explained that someone also hacked into my XXXX account prior, I was advised via email by XXXX to change my password. I think the same person ( s ) may have also hacked into Paypal account. I did change password and added extra security as suggested by Paypal rep, however, they have done little to nothing to get funds back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-26 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I do n't believe it 's my 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 2015-05-01 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Hello, on XX/XX/2015 I contacted XXXX to talk to the professional about fitness equipment. I was on the phone with the Company rep for 45 min going over my needs. I was approved instantly from PayPal credit. I ordered all : delivery, assembly, ect. I received the wrong product. Contacted XXXX as they credited my PayPal acct. on XXXX/XXXX/15 just for the equipment. I started contacting PayPal explaining that XXXX can not charge me {$240.00} for assembly, for the product that I do n't have. PayPal is stating, that XXXX is charging me restocking fee. I have faxed PayPal dispute form with proofs of email correspondence with XXXX. I have explain PayPal that my emails states charge for assembly of elliptical and PayPal have this charge as restocking fee. This completely contradicts this charge. PayPal answer is '' There is nothing we can do '' You are responsible for the restocking fee. I spoke to a few supervisors XXXX XXXX, XXXX XXXX ( no last name allowed to be given ) explaining that, they are my credit card company and they should protect me. Every phone call i make to PayPal they are telling me to call XXXX. I have faxed to PayPal XXXX return policy, assembly policy. It does not specify anywhere about assembly charge to be paid by consumer if the product is returned. I have stated to PayPal that I can not be responsible for assembly of the product that I do n't have. I have asked PayPal to provide me with the email of their CEO XXXX XXXX. I could n't get it due to confidentiality. I have never had this kind of arrogance from the Company that should protect me as their customer. I have send them all proofs and they keep telling me different stories. For the last 2 weeks PayPal had {$240.00} restocking fee. I have called XXXX today XXXX/XXXX/15 asking how much do they charge for restocking which is XXXX. I called back PayPal explaining them that. Supervisor XXXX now states that I 'm being charged {$240.00} for restocking fee and may be assembly fee. Now it is different story from PayPal after I called XXXX. I have never had any problems with any other Bank or Credit Card Co. Having perfect credit score, I will not except this kind of unprofessional behavior from PayPal . I spend days and hours trying to resolve this issue with XXXX. But the worst part of all, I as a customer of PAYPAL can not be protected. Above all, PayPal is charging me late fee while Im in the dispute with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A.
State: MN

Complaint narrative:
I would like to split my monthly payments into two payments per month fulfilling the total monthly amount. The Bank will not accept partial payments. The offer was to participate in a program whereby there is an automatic deduction from my bank account on a bimonthly basis. I do not want to participate in this program since there are 2-3 additional payments incurred throughout the year as a result of some months having five weeks. I would rather pay on my own and have the bank accept my partial payments throughout the year, meanwhile fulfilling my monthly obligations as I choose. My intention is to use a voluntary prepayment schedule as to take advantage of minimizing the interest accrual.

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 2016-08-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
PayPal refuses to close my account out or let me speak to anyone higher than a customer service rep to resolve my issue. I have made countless attempts to resolve this with them but they refuse. This is a horrible company that does n't care about its customers. I just want my account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 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: Paypal Holdings, Inc
State: MS

Complaint narrative:
i received a bill from XXXX XXXX XXXX saying that I owe pay pal the amount of {$390.00} as of today 's date I have not received verification of this debt and they are attempting to collect and I have no idea when this debt was and if I truly owe this bill. This debt has to be more than 3 years old and has passed the statue of limitations on collecting as of today 's date I have not received a bill from pay pal to pay nor have they contacted me to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-27 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: FACTUAL DATA CORP.
State: TX

Complaint narrative:
Factual Data, bureau express reported false data on my credit report. 
While applying for a loan product and while reviewing my credit report I found shocking information is on my credit report. 
XXXX items listed were not related to me or it has been paid off long time ago, and factual data bureau is still keeping wrong information in my credit report. 
1. XXXX XXXX account has a balance of {$7900.00}, card # XXXX ( Verified with bank and that account do not belong to me, ) 2.XXXX account # XXXX, balance of {$7400.00} XXXX account is invalid or does not belong to me. Verified with XXXX credit card. 
3. XXXX bank account # XXXX balance of {$310.00} This account does not belong to me. 
4. XXXX account # XXXX, balance of {$130.00} Due to the wrong information on my credit report my credit score suffered and I am forced to pay a higher interest rate. 
I am requesting an immediate action on this issue and correct these errors. So I can have my life back. 
Factual data management irresponsibly posted balances which does not belong to me. This report added my liability to {$15000.00} which is not a small amount, which I have nothing to do with. 
Address:XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 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: TX

Complaint narrative:
The only acct I have ever had with XXXX XXXX XXXX was established and closed in XXXX. I have since worked for XXXX XXXX XXXX 2 years and paid this debt to a company called XXXX back in XXXX. Why am I being contacted regarding a debt that is XXXX XXXX XXXX and is paid. I have contacted the company through a dispute and adv them to send me a letter of validation from this acct and the only resp I got was from the credit bureau adv. that it was deemed mine. Is this a different account we are speaking of? I want paperwork regarding the service provided and address.

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 2016-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I enrolled in Equifax credit monitoring program XX/XX/2016 .However, I was dissatisfied with the product and cancelled it the same day. On that day last friday XXXX, my credit score was XXXX.I check ed my score on sSaturday XX/XX/2016, my score had changed /dropped by XXXX points. I called Equifax on XX/XX/2016 and spoke to XXXX representatives and a supervisor name XXXX. XXXX rep told me they were having technical issues with their systems that lowered the score by mistake. XXXX the other rep could n't give me an explaination and neither could the supervisor. Nothing has changed on my report to impact my score. Can someone please assist me in reinstating my score. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: The Regional Adjustment Bureau, Incorporated
State: IL

Complaint narrative:
I obtained several student loans to attend school. I defaulted on these loans after graduation. The loans were transferred to Regional Adjustment Bureau , Inc. ( " RAB '' ) who began contacting me in XXXX. In XX/XX/XXXX, I entered into a loan rehabilitation program with RAB. I made a large down payment in month XXXX and then made XXXX more consecutive on-time payments. On XX/XX/XXXX, I completed the loan rehabilitation and the loans were sold to a creditor. RAB provided no information on the individual loans. Instead, they provided a single amount owed and treated my situation as if I had only XXXX consolidated loan. 
After the rehabilitation closed, I was not provided any information by XXXX as to where my loans were going to be transferred. I was contacted by XXXX as my new loan servicer. So I began making payments to XXXX in XX/XX/XXXX and have been on-time ever since. 
In XXXX, however, I was contacted by a debt collection agency stating I was in default on XXXX of my loans. After reviewing the Dept. of Education 's FSA site, there was indeed a loan in default. XXXX had no record of ever receiving this loan from RAB. RAB has not returned any of my emails and calls seeking information as to where they sold the loan in question. However, it is clear that RAB failed to properly transfer my loan. I was never notified by RAB or anyone else as to where the loan was transferred to. I never received a single letter or phone call about the loan until XXXX. In short, my loan was 'debt parked. ' As a result of RAB 's failure to transfer the loan properly, failure to provide me with any notice of transfer, and failure to provide an accounting of loan balances, I was given no indication of a pending problem and the loan has incurred immense interest charges on top of the capitalization of interest originally agreed to with RAB in XXXX. 
In summary, RAB has greatly harmed me through its conduct. RAB capitalized its high collections fees into my loans, failed to properly transfer XXXX of the loans, failed to notify me of any transfer of the loan at issue, and failed to provide detailed information as to where the loan at issue was transferred. It is not clear what happened to the loan at issue, but it clearly " fell through the cracks '' after RAB 's failure to properly transfer. As a result, interest has accumulated for years without warning.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: OH

Complaint narrative:
I was a customer for many years. 
We have cottage at XXXX Ohio. We open it up in XX/XX/XXXX And close it in XX/XX/XXXX. In late XX/XX/XXXX I Packed the equipment and sent it back. I call XXXX and said we were done for the year. They continued to bill us until XX/XX/XXXX. I tried to fight it but they would n't agree. I do n't owe these extra charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: I.C. System, Inc.
State: OR

Complaint narrative:
XXXX has been attempting for over two years to collect for an iPhone that I had " refused shipment on and they sent me an email that they had received the iPhone back in their factory. Yet for over two years XXXX has turned over to XXXX separate debt collection agencies, first in XXXX/XXXX/XXXX, XXXX XXXX collection agency for XXXX Account, then in XXXX/XXXX/XXXX IC Systems in XXXX XXXX, MN. In XXXX I faxed an XXXX explanation to XXXX yet one year later they have turned it over to another collection agency in MN. This constitutes harassment and I ask that you stop them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
As a Venmo account holder since XXXX/XXXX/XXXX, I have never encountered any issues with the web based app my friends and I use more than often and never imagined to find myself dealing with the following following ridiculous issue. On XXXX XXXX, XXXX a friend initiated the transfer of {$40.00} via Venmo and her account was immediately debited. Shortly after, we were notified the transaction was flagged and pending review by the companies compliance team due to the sender 's commentary. Please note, Venmo requires a " comment '' ( ie any keyboard stroke ) in order to complete the transaction which a majority of the time are witty/silly/nonsensical jokes shared between my friends and I. In this particular case the joke in the comment section, which again is mandated, was " XXXX is in XXXX ''. The originator then received a subsequent request for further explanation which stated " To speed up our review, please explain what you intended to pay for and describe the establishment, individual or location you referred to in your note, as applicable. '' The sender responded accordingly and explained, however the funds remained in limbo. In an effort to resolve the matter, I reached out to their customer service and requested that per our clean transaction histories, banking info/locations and IP addresses they could easily clear up the matter, however the transaction was to be canceled and funds be immediately returned to the sender 's account to which they responded with OFAC regulations. I was later contacted AGAIN with a request for a receipt as proof of purchase. 
As an employee of a highly regulated financial institution, I am regularly trained on OFAC regulations as well as restrictions on sanctioned/high risk countries etc., however with that said, I feel there is a HUGE difference between the arbitrary reference of a single word ( which is in fact just the name of a country that actually exists ) warrants this level of scrutiny/privacy infringement. The only country I have ever had any affiliation to and/or transaction with is my own, the United States and I refuse to support how far this has gone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-08 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I suspect Ocwen Loan Servicing and/or its XXXX lawyers are hacking into my computer and email. Ocwen Loan Servicing has been committing years of fraud against me, many attempts to quietly seize my primary residence that I own free and clear. Ocwen Loan Servicing and its crooked litigation XXXX lawyers used fraud upon the court, using forged fabricated documents and robo-witnesses to intentionally send bribing signals to the judge to win its phony case. After the scums bribed the Judge Ocwen 's litigation lawyers quietly added other orders into the Judgment before the Judge signed it, praying it would stick. My investigators found much more of Owens fraud troubles which will be addressed before the court when I file my new XXXX lawsuit. CFPB is responsible for supervising shady Ocwen Loan Servicing, as its license is currently under a monitor due to Ocwen 's ongoing fraud abuse. My investigators will have its final findings report soon. I pray that CFPB takes my matter serious and send in the feds to Ocwen Loan Servicing headquarters gather all the forged fabricated documents in Ocwen 's possession before they attempt shred it and quietly seize my home again. Attached is just one of Ocwen 's cases that a honest none corrupt Judge refused to seal. Ocwen Loan Servicing and its lawyers are XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
It appears that PayPal has locked or closed my account but the unbelievable part is I believe I still have a positive balance in the account, there has been zero notification ... I feel this was intentional because perhaps they are very unprofessional and are upset I 've filed disputes against them ... I 'm not positive there is money in the account because I tried to do a refund but ca n't log in and have n't received any further notifications. It would be very very bad however if they are locking people 's accounts and holding money and then just expect consumers to have to call and work things out or whatever they may expect. What it is, it would be wrong!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Google Compare Credit Cards Inc.
State: PA

Complaint narrative:
Hi I have been having major issues recovering my money back from google Inc . I and my bank on at least 10 calls to Google on 3 way been trying to recover my funds from them. I filed with my bank because google was contingent to take money from my bank even after being told to stop. I filed XX/XX/XXXX and then my bank gave me my money back. Then google asked for a reversal of my money and then claimed to have sent it back. So my bank and visa did an internal investigation and it came out google lied to me and to my bank pnc. We have tried to call and then google claims they sent funds on XX/XX/XXXX then again XX/XX/XXXX and XX/XX/XXXX and in which all was a lie. I also filed with attorney general in California and google claimed to have sent XXXX in which my bank verified this was a lie. Then google not only lied but stole XXXX from my credit card and my bank account. And are refusing to give the money back. I just like any other person needs there money. So I from XX/XX/XXXX till now have contacted them to get no real response. My bank can verify that I have tried everything on my end but google are living about sending my money back. Then they gave me XXXX reference numbers XXXX and XXXX which my bank claims it is not a real number but something made up by Google. The case number is XXXX that XXXX a Google supervisor claims to have sent a refund of 120 days. The problem is that I filed complaints when it happened and my bank even says that wont cover half of what they owe me which is more then XXXX. But then they wo n't issue my money back after stealing it from me in the first place. So I am asking for help to recover my money. They have talked to me and to my bank on recorded line and stated they sent a refund when in fact they did not. So my bank told me to file with you until I file a Lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Secure One Capital Corporation
State: CA

Complaint narrative:
I did a refi on my home and the company was Secure One Capital. I never received a statement from them to make my first payment, so I sent it to the address in my loan paperwork in XXXX 2015. The check cleared on XXXX XXXX, 2015. Around the end of XXXX, I receive a statement form another lender called XXXX XXXX. On the statement it showed I was late on my XXXX payment. 
So I had my wife contact Secure One Capital. Took numerous calls and emails trying to get Secure One Capital to forward the payment to XXXX XXXX. Still to this date, the payment had not been forwarded.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-29 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Financial Credit Service, Inc.
State: SD

Complaint narrative:
Company called ARA left a message on my phone stating that they were filing XXXX counts of fraud against me for a pay day loan that I defaulted on. The loan is 3 years old. I got scared and returned the call and gave them my bank account number in order to stop any proceedings. Is this legal. The contact number is XXXX extension XXXX. Spoke with a lady named XXXX. I am saving the phone message.

Company response to consumer: Closed with explanation