vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-24 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: NY

Complaint narrative:
This company phones my home # ( above ) several times a day. They also call my cell #, XXXX, several times a day, except with my cell they call and let it ring one or two times, hang up and call again 4-5 times, then the last call rings until it goes to voicemail. They never leave messages on either # and when I picked up once there was no one there. My home phone caller ID identifies the company as IC System. They use different # s when they call. One is XXXX. Another is XXXX. Both are identified as IC System on my home phone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I canceled a transaction with Paypal and they did n't fully cancel the transaction. On XXXX XXXX I sent money to my wife using Paypal and canceled the transaction within 5 minutes. Paypal did n't cancel the withdrawal from my bank account. They allowed the money to be withdrawn from the bank and deposited the money into Paypal. A cancelled transaction should go back to the original state with the funds remaining in the bank not at Paypal. This is wrong and cost me XXXX dollars in overdraft fees! The transaction ID is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
made a purchase from XXXX and paid via paypal. turned out XXXX had charged me the full amount for a new ticket, same date, same flight, same plane, instead of adding luggage to an existing ticket. now i am double booked. when i realized what had happened i called paypal immediately and they would not help. XXXX said no refund for a promo fare flight, regardless of the circumstances and that it is a double book.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 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: Paypal Holdings, Inc
State: NC

Complaint narrative:
I completed a purchase through PayPal on XXXX/XXXX/XX/XX/XXXX, that I canceled on the same day. The transaction refund was started but continues to show as pending. After 6 weeks, and an internal investigation by Paypal they issued a temporary credit, citing there is a known problem with the retailer account. That was XXXX. This was on XXXX XXXX, XX/XX/XXXX. On XXXX XXXXXX/XX/XXXX that temporary credit was undone, leaving my paypal account with a negative balance. I had my bank investigate for a refund into the account. No such refund. XXXX confirmed the funds actually never left paypal. PayPal is claiming the refund was issued, yet the status of the refund as of right now ( XXXX XXXX XXXX ) is pending. They sent the account to a collection agency and wo n't talk to me about it any more. No one has ever been able to give me a date when the refund was completed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-31 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Google Compare Credit Cards Inc.
State: MD

Complaint narrative:
I have a Google Wallet account which I use for several different services provided through Google, Inc. Abruptly, and without warning, my Wallet was closed. I was not provided a reason. They told me that there was suspicious activity, and asked for verification information. I provided : a photograph of my passport, a photograph of my Driver 's License, the credit card on file, another debit card from my current banking institution, and a photograph of myself with the date and time, confirming that I was who I purported to be. 

I have attempted to resolve this issue through their resolution center several times, but they have done nothing, except leave me vague e-mails and point me towards their Terms of Service, which appears to be a contract of adhesion, giving the company the power to do, essentially, anything they wish to do. This strikes me as unfair. 

Moreover, they claim they are not a bank, even though their service allows you to make deposits, withdrawals, issues a credit card, provides bill payment services, and fund transfers. 

What, exactly, is one person supposed to do against a monolith like this when they have a problem? If XXXX XXXX XXXX abruptly shut down my account for no reason, I have a feeling the SEC, FTC, and your agency would have several questions. Why is a technology firm except from this scrutiny?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A.
State: MI

Complaint narrative:
Flagstar foreclosed on my family after years of us trying to apply for a mortgage modification. We were passed around and sent through hoops by Flagstar, and were denied because of Flagstar 's own mistakes and time delays. We have done everything we can to save our house, but now we 're facing eviction. We believe we were subjected to the same practices of Flagstar 's that they were cited for by the CFPB in the XXXX XXXX, 2014 stipulation on this issue. We would like help from the CFPB in order to stop the eviction and receive retribution from Flagstar for the harm they caused us and their unwillingness to help us during the entire foreclosure process.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Hello, my name is XXXX and I lived in XXXX for 4.5 years while attending XXXX University. I started an online business while in college selling high-value designer goods. I was the victim on an online return fraud, caused by EBAY and PAYPAL. in which the individual returned me a counterfeit item via USPS mail. 

I sold an individual named XXXX of XXXX, NJ ( Shipped to his address at XXXX, XXXX XXXX ) a vintage, handmade designer belt for {$500.00}. He opened up disputes with the payment processing company, first falsely claiming that he did not receive the item ( when I checked the USPS tracking it had arrived that morning ). Ebay ended up siding with me after I contacted USPS and provided proof the item was received. 

He then opened up a different dispute claiming that the item was not as described, claiming that it was a counterfeit belt, which forced me to accept a return. When I received his return, he had sent me a counterfeit replica of the belt I had sold him. The item he returned to me was completely different than I originally sent. 

After providing these images, ebay sided with me. He then opened up a dispute on paypal, which they sided with him. I called paypel a dozen times and provided pictures, and they still refunded him the money from my account, claiming I needed a police report as proof. 

I attempted to contact the XXXX police department by phone in XXXX, and was told to contact my local police department. At this time, I was in college in XXXX, XXXX, and unfortunately they told me to contact the XXXX police. They were both useless. Thus, I filed 2 FBI IC3 Internet Criminal Complaint forms ( # XXXX and # XXXX ). Finally, paypal gave me money back out of their own pockets. 

The transaction took place on ebay through paypal. Neither of the companies assisted me in any way. I contacted multiple other sellers from his transaction history and they told me he had performed the same return fraud against them. As far as I know he has done this at least 4-5 times. I have picture evidence to back up everything I have said, as well as screenshots of the entire conversation history. He sent me multiple abusive and threatening messages in the course of commiting the return fraud, all of which I have documented. 

The worst insult is that ebay has deleted all of the negative feedback I left the buyer. They deleted other feedback from different people he scammed. They removed all of the resolution center history off the website, making it inaccesible to me. They wiped clean any evidence of this ever happening. The user changed his username, and did not receive a ban, even though he very clearly deserved it. 

I have already received my money back after 2 months of hard work, stress, and anxiety, but I would like to continue for justice against ebay and paypal for letting this happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A.
State: GA

Complaint narrative:
To Whom It May Concern : I am having issues with Flagstar trying to maintain my home ownership after divorce. Per the divorce decree, my ex-spouse must be relinquished from all financial liability of home ownership of said property. 
I have requested through multiple formal submissions to FlagStar Bank, mortgage servicer for XXXX, to assist in maintaining my home ownership - beginning XX/XX/XXXX ; with a follow-up request occurring XX/XX/XXXX ; and most recently, I have sent a third request XX/XX/XXXX. 
Throughout these past months, I have not only been met with resistance from FlagStar, but I have even had the FlagStar representative dictate to me I should " Sell my home ; downsize ; and get something more affordable. '' My sister was on the phone and witnessed this statement. I find this comment deplorable and offensive. After much thought and research, I am confident neither the CFPB or Fannie Mae would find those words acceptable. As a result and in addition to submitting to FlagStar, because of all previous denials ; lack of responsiveness ; refusal to find the " right '' solution and/or provide possible options ; and offensive words, I am also submitting this mortgage complaint to the CFPB for support and guidance to navigate the mortgage process and help me keep my home. 
I absolutely want to maintain full ownership of my primary residence. I am established in the community as a graduate of XXXX university ; XXXX ; and my family lives in the same subdivision. 
Please assist 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
Consumer complaint received 2015-04-07 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I used my PayPal account in late XXXX of this year to make XXXX different transaction withdraws from my bank. These transactions were being sent to XXXX different places. PayPal XXXX dipped into my account and took out each transaction XXXX. When I saw that PayPal had taken money out of my account again, 3 days after the original withdrawal, I called PayPal and asked that they simply refund the extra payments they removed without my authorization back into my bank account. They said they would have to look into it. Well, PayPal tried to take the money out again. I know this because I have fraud protection on my bank account and my bank informed me that someone was trying to take out money from my account. I called PayPal again and they said I would have to get official bank documentation and send it to their appeals department. I did just that. I started to get harassing phone calls from PayPal along with email saying that I owed them money because was account was in deficit. What? They are the ones who stole my money and now have it and wont give it back to me! I again went back to the back and gathered more information and faxed them again. Still I continue to get XXXX very hostile phone calls a day from XXXX until XXXX including Saturdays and still receive emails. I decided to go back to the bank brank and get detailed very precise wire transfer documentation from the bank on bank letterhead and stamped with the bank seal by the branch assistant vice president and a hand written letter to boot and over night certified this information to PayPal. I continue to receive threatening phone calls from PayPal saying they have ruined my credit and I am in default of payment. I do not understand how a collections department can not decipher very precise line by line information from the bank that clearly shows the withdrawer as PayPal on the wire transfers out of my bank. I would be very excited to have your assistance in clearing up this matter with me and going after PayPal and getting my funds back and clearing up any and all bad credit that they may have caused my name or account on/for any future credit reporting. I truly need your assistance because they are so threatening that I do not want to communicate with their company any longer without assistance. I look forward to having a representative assist me with this matter. Thank you in advance truly

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 2015-04-07 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Flagstar Bank, N.A.
State: MI

Complaint narrative:
Flagstar has misappropriated funds from mortgage customers through unauthorized " fax fees '' charged for payoff statements. They overreach their interpretation of permission waivers to quietly add a usurious fee for faxing payoff notices. XXXX attempts to resolve this dispute were unsuccessful. Customer 'service ' representatives were rude, condescending, and unreceptive to any sort of negotiated resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: AMA Advisors, LLC.
State: LA

Complaint narrative:
I was browsing local lenders on XXXX and XXXX websites to find a local mortgage lender. I noticed there are several mortgage loan officers at our local Homebridge Financial Services branch that are not advertising their license number. Before I apply anywhere for a home loan, I 'd like to research and review their employment history to see how knowledgeable they are. The last time I gave my personal information for a home loan, I had a bad experience so I am very cautious. It 's my understanding that each loan officer is required to display their license number. I even noticed that one of their co-workers with a higher title is n't advertising his license number, either. I 'm concerned that this company is n't operating legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
As an Ebay user i have purchased many items thru PayPal using my secured password, but now my entire credit card & bank account information is listed on Ebay automatically, that includes my PayPal password as well. I have never received any information to allow instant transactions with Ebay thru PayPal, not from Ebay, or PayPal. This is an invasion of my privacy by Ebay, and a security breach by PayPal. The whole reason to use PayPal was to protect my privacy from Ebay and other companies that i purchase item from.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I have tried several times online to close my PayPal online account. I have tried several times to close the account, but every time I try to do so through the website, it does n't work ( the site freezes ). I suspect they are preventing account closure on purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 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 haved filed with Complaints against XXXX with Consumer Financial Protection Agency against XXXX and now XXXX is damaging my credit and harrassing me everyday and nights and weekends in trying to collect a debt l do n't owed since 2015. 
My last filed complaints with Consumer Financial Protection Agency was filed on around XXXX XXXX, XXXX.filed XXXX complaint # XXXX. 
XXXX has collection company lC System Inc harrassing me on my cell phone XXXX and leaving voice messages. 
I am on XXXX XXXX XXXX and XXXX. 
I am taking prescribed medications. 
I am also a XXXX Military Veteran. 
Under my XXXX XXXX XXXX Act Laws Civil Rights XXXX or IC System Inc can not collect no debt under Federal Government mandated XXXX XXXX XXXX Laws Civil Rights and XXXX XXXX and XXXX can not display collections on my credit report. 
This is a Federal Government Consumer violations of the XXXX XXXX Laws implemented by Congress XX/XX/XXXX.for XXXX Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: I.C. System, Inc.
State: MD

Complaint narrative:
A company identified as IC Systems contacted me by telephone at my job about a week ago and wanted me to " verify my address ''. Because I had no established relationship with them and did not know who they were I refused to give any information and asked that they not contact me on my work number again. They have since called the company repeatedly, prior to my work hours, and have disconnected or hang up the call as soon as someone answers other than me. I was told they asked what was a good time to reach me and was told after XXXX XXXX. Since I spoke with them about a week ago ( after XXXX ), their names appears on my employers call log on at least two occasions -- most recently this morning ( XXXX XXXX, 2016 ) at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I had an outstanding balance of {$300.00} due to XXXX XXXX that I was not aware thinking insurance had paid for it. Since I was not aware of this balance, it eventually went to IC System collection. When they called for the very first time, I was informed they were trying to collect a bill for {$400.00}. I told them I was not aware of it and they followed up by providing the statement from XXXX XXXX for {$300.00} plus a XXXX collection fee. I informed them it was unfair to charge me a 35 % collection fee as I was not aware it and it very excessive. 
I told them I would pay the due amount or at least reduce the fee to a honest amount. 
They would not here it and told me I had to pay full amount or destroy my credit. Which they did the following month byt reporting a collection item on all XXXX credit bureaus. 
I am still willing to pay the correct due amount and hoping the negative information be removed from my credit report. 
XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Residential Credit Solutions, Inc.
State: CA

Complaint narrative:
Residential Credit Solutions , Inc. acting as the Servicer of this mortgage has failed to meet all of its requirements under XXXX and illegally foreclosed on my personal home by selling it at auction on XXXX/XXXX/2015. The direct violation of XXXX law is based on RCS improperly and unfairly reviewing my loan modification request for relief. i have submitted a complete loan modification direct via fax and have been forced to resubmit the same package several times. In addition RCS denied me help several times and i never got a single person to answer my questions honestly or directly. RCS Mortgage illegally commenced and conducted an illegal foreclosure without offered any workout relief options for me. They have clearly violated XXXX specifically under the " dual tracking '' clause. RCS instructed and allowed the foreclosure trustee named XXXX o illegally foreclose on my property. there was no reason why RCS should have denied my request or conducted a the illegal foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I was the seller whom a Paypal dispute case was opened against by a buyer. Paypal 's contract states if/when the dispute is decided against the seller and the seller 's account is negative to transfer monies into the Paypal account to make it even. Before a resolution was ever reached Paypal tacked on an extra unauthorized {$230.00} to a separate credit card purchase transaction by me. When I called Paypal and asked why I was told, " the computer does it automatically and I see your concern of how that goes against our policy. '' Basically they admitted the wrong ; however, would not return the monies to my credit card. Said monies were not returned until I filed a complaint with XXXX XXXX of the fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: I.C. System, Inc.
State: TN

Complaint narrative:
On XXXX XXXX, 2015, I was alerted by all XXXX major credit bureaus about a collection agency on my credit report about a balance in the amount of XXXX from the company ICSysytems, I contacted the company and the company had an address that I never knew about. I told the rep that I know nothing about this account. So the rep gave me a number to call, and when I called that number which was XXXX, I stayed on hold for XXXX minutes and the next time I called on the same day, the call drop. And this company is reporting negatively on my account as a collection. I wish the company could of called me about a debt instead of just showing it on my credit report. I am disputing XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 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: CA

Complaint narrative:
XXXX account was paidin full with call ctr on XXXX XXXX, 2012 company reported as unpaid and in collection. I have copy of payment taken from my credit card.

Company response to consumer: Closed with explanation