vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: I.C. System, Inc.
State: UT

Complaint narrative:
I filed bankruptcy XX/XX/2015 I continue to get calls from these debt collectors even though the charges have been dropped. When I answer there is rarely anyone on the other side and they call often

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 2015-10-19 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I bought something off ebay and was required to go through paypal ( which ebay owns ). I had a previously used paypal account that I had used once a few months ago with no problem. I checked out using that account. With no warning and without asking permission, it put that charge on paypal 's own credit line ( Paypal Credit ). I had never signed up for it, even though I had received incessant email advertisements for it. I was not informed in any way to my email or through any other means of communication that it had been added to that credit line. I only found out because a week later I was reading over my bank statement and saw the charge had n't been added to it. I then went to paypal to determine what the problem was ( whether it was still pending etc. ) and found out it had been added to their Paypal Credit system without my knowledge. I was then required to give them my bank account information and link my bank 's information in order to pay it off instead of just being able to pay it using my debit card ( as I originally intended to and had done before through them ). While I was thankfully able to realize this before I was charged interest, I still believe this was a deceitful practice and caused me harm by requiring me to go through additional steps in order to pay off a charge which I never intended to put on their credit system.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
Well, i have been with Paypal for some years now. However, i have being charged for things i did not authorized. nevertheless, i was scammed with paypal and they seems not to do anything when i brought the issue to them. They are charging me bills for paypal credit and somehow sellers account that i never had or used. Therefore, i want my funds be refunded because when i tried to contact them again, my whole account changed to XXXX meaning that i can not use my account along with the money in it because i dont understand or speak XXXX. 

XXXX on the other hand, is a fraudulent organization that tries to reap everyone of their money. I traded in some books i bought from XXXX for gredit to my account. However, i was charged separately and keeping the gift card i earned and tried to sell it back to me and charged me for everything i bought with my gift card. 

My name is XXXX XXXX, my email is XXXXXXXXXXXX or cell : XXXX. XXXX to hear from you guys soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
opened a account with pay pal and attached my checking account to the XXXX. the money was taken out of my savings. I have filed account with paypal they state it is not their fault. Also I have a pay pal XXXX which was closed because XXXX of my payments did not go threw. I make my payments threw pay pal and my back up is my bank account. Because of the money being taken out of the wrong account and nsf charges their was not enough funds. I sent documentation to XXXX showing all the issues and the reason it happened. Also gave them a letter from bank stating their were funds in the account. They will not reopen. The issue is on the ACH paperwork which is attached. wrong coding was used the complete bank account was not used. Please see attached pw

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
EXPERIAN HAS NOT TAKEN BASIC STEPS TO ENSURE THE ACCURACY OF THE INFORMATION BEING REPORTED. Experian has used a 'code ' to identify information as opposed to consumer 's actual personal information or requesting XXXX to supply actual documentation and has therefore caused harm to the consumer for willful negligence and willful noncompliance with FDCPA and FCRA XXXX when the consumer requested a investigation. Experian has not provided sufficient proof or information sufficient to validate this claim per FCRA. ( a ) The name of the creditor ;, b ) The person 's name they verified the dispute with ; ( c ) The address ; ( d ) The telephone number ; and ( e ) The documentation used to verify the dispute Experian responded with a generic response that did not address specific complaint of consumer to validate information being reported by XXXX XXXX.

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 2016-06-10 00:00:00
Product: Prepaid card — Other special purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Wo n't help let me withdraw if no money in there i Will make payments plan but refused

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PENTAGON FEDERAL CREDIT UNION
State: DE

Complaint narrative:
I have applied for a PenFed mortgage the beginning of XXXX 2015. I have sent all information requested, XXXX times. Had a settlement date and time ( was about there ) my attorney called saying it was cancelled, they did not approve me. Found out they wanted same info again that I sent. I have been patient, but now I was threatened they would terminate my loan application if I do not respond within the next business day with info I gave them and my CPA, he said the papers were sent before. Going on 6 months, they will not talk by phone, only e-mail. Claiming they lost my PERSONAL tax papers!! I feel they are drawing this process out to get me to stop the process and give me a hefty bill.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I purchased XXXX at The XXXX XXXX ( online ) using my Paypal account because they were offering a XXXX months no payment and no interest option. Paypal is now telling me that I have a payment due within 30 days even though I paid under their promotional offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CrossCountry Mortgage LLC
State: WV

Complaint narrative:
Cross Country approved our loan, made us jump through hoops and pay a bunch of debt off including our home which we sold. We were supposed to close on the house we sold and on our new home the same day. When that day arrived we were told we needed to submit more documents to give Cross Country and it would be a couple of days before we could close. We paid off our mortgage, had over {$100000.00} in equity that we had to deposit in the bank waiting for closing and paid off several small bills to the tune of {$16000.00}. Not to mention we were now homeless. We ended up staying with family for 5 weeks and after jumping through all of Cross Country hoops for 3 more weeks and then they denied our loan. We had to pay for an additional appraisal out of our pocket. We both have excellent credit, had a bunch of money to put down and paid off nearly all our debit. I called our local bank and they closed the loan in 2 weeks with a lower rate. We hired an attorney to take care of the legal side of this issue and all the money we ended up wasting due to the poor communication and lack of knowledge from their rep XXXX XXXX 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 2016-01-02 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
Paypal holds money even when they are giving information that the seller has received their items back, to make interest off the holds they do. This is illegal

Company public response: Company believes it acted appropriately as authorized by contract or law
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: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have been using paypal to pay my friends and family for monthly rent, large rental deposits, travel expenses, and other minor payments. PayPal opted to freeze my account without warning and has frozen {$5500.00} in funds for an absurd time period of 180 days. I need this money to get to my roommates for rental expenses owed. PayPal is not willing to release these funds sooner than 180 which is wildly over the top and abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
I received a bill in the mail for a credit card, which I never applied for, and money was taken from on line businesses, XXXX and XXXX to total {$1100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: PA

Complaint narrative:
XXXX stated they never had this bill nor did I owe 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 2016-12-13 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: OH

Complaint narrative:
XX/XX/XXXX I received a collection notice from I.C. Systems, Inc. trying to collect a debt from XXXX. The letter was in my name but sent to an address I have never been to or lived at, then crossed out & forwarded to where I do live. I tried to contact them to resolve this & got no where. I have since received more letters, the latest XX/XX/2016. I called I.C. Systems on XX/XX/XXXX AGAIN, spoke to XXXX. She informed me I needed to call XXXX, which I did. I spoke to XXXX at XXXX, he looked up the account & verified that neither my ID, social security nor my address matched what they had & felt that I.C. Systems is sending this to the incorrect party. He instructed me to call I.C. Systems back & relay this info & tell them they need to stop contacting me since they are not doing their job correctly and if not I should file a complaint against them. Approx. XXXX., I called I.C. Systems back & spoke to XXXX. He was very adamant about not wanting to hear my explanation & said it was out of their hands, that XXXX was handling it. I told him that was false, I just got off the phone with them & would like them to stop sending these & he preceded to hang up on me.

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 2016-04-26 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A.
State: PA

Complaint narrative:
My husband and i bought our home on XXXX XXXX. I became XXXX on XXXX XXXX, my husband continue to financially support our household and it was n't easy for him. In XXXX XXXX we contacted Flag Star to see how they can assist us with our mortgage, Flag Star asked me to stop paying my mortgage so I can qualify for a Deed in Lei ; they advised me to put my home up for Sale and there were no other options for my family to remain in the home. It was n't until XXXX XXXX when a realtor asked us if we had tried to modify, I had no idea we could do so and then I immediately called Flag Star and asked for the Modification Option and since XXXX XXXX I 've submitted complete packets to them for review. I have Never received one letter from them with an update, stating whether we 're approved or Denied. I call my single point of contact often and she 's hardly available but I do get to speak to someone else they always tell me that my single point of contact will return my call and I do NOT hear from her. I am in desperate need of an answer so I visited a HUD Approved counseling Agency they will assist in the process but are also interested ion knowing why Flag Star keeps asking for Documents and they are not sending updates on what they already have. Please Help!

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 2016-06-20 00:00:00
Product: Prepaid card — Mobile wallet
Issue: Unauthorized transactions/trans. issues — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I made a transaction with Paypal that was to be paid using my Paypal balance first, with the remaining balance charged to my credit card. However, when the transaction was processed, Paypal charged the balance to my bank account instead of my credit card. 

Prior to completing the transaction, I verified this configuration several times on the Merchant 's website as well as Paypal 's. I 'm not sure what went wrong, and frankly, I do n't care. I just needed Paypal to fix it. 

When I contacted Paypal, they assumed I was at fault and were unwilling to change the funding source for the transaction or offer any solution to correct the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 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: WA

Complaint narrative:
As of today, XXXX XXXX, 2016 I pulled my credit with XXXX and noticed that a new collection has been placed on my account. I also noticed that this was under a name and address not associated with me. I have recently, as of XXXX XXXX filed multiple complaints with the CFPB, FTC and all three ( XXXX, XXXX and XXXX ) concerning identity theft. I also understand that the original creditor is XXXX XXXX XXXX, to which I have never had an account. My wife and I have always split our utilities and she has always had XXXX XXXX XXXX in her name. Even so, her name as is mine, is not similar to the name being reported on my credit report. This needs to be removed immediately because this is indicative of identity theft.

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 2015-05-11 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
I am a victim of Regions Bank and their fraudulent NSF Overdraft Protection scandal. I see that they already have been ordered to start refunding customers their money back and they were told to do so regarding a Class Action Lawsuit, I thought I had signed up to be part of this Lawsuit against REGION BAnk of Alabama, I live in XXXX Alabama. I also file against XXXX XXXX for doing the same thing. They hold my transactions of my electronic XXXX direct Deposit monies, and I am thinking, because it shows that my money is in my account, but in online statements it says Pending???? then it shows all of my bill paying transactions as pending. So they proceed to charge me NSF of XXXX dollars times XXXX, for every for every transaction I make, then they release my deposit into my account but take XXXX dollars was last months XXXX check and they are in process of taking XXXX or more even as I am typing this for this month XXXX check they have taken over XXXX out of my account using overdraft protection, and not paying the transaction that I have made. and now have got me in sucha finacial hole that I can not get my XXXX or the rest of my medications and/or pay my rent and I am about to lose my home because I do n't have the money now to pay rent again. XXXX XXXX took over XXXX from me doing the same thing. and I am sitting here scratching my head trying to figure out how they are getting away with this. I met with them and they gave me back like XXXX one time, when I went to the Bank and ask them what was happening so they know they are in the wrong in what they are doing, but XXXX is far from the amount of money they have stolen from me since 2010. I want all of my money back, I want any negative reporting of my credit record of myself and my XXXX child, that they themself connected to my account. MY daughter, a XXXX, just tried to open an account of her own and we found that they refused at another bank to give to her a checking and savings account for bad banking practices and too many NSF and outstanding checks. And she is a minor and has nothing to do with what I do at my bank. they just added her as Student Checking account, when I ask them to only put her as my beneficiary on the account with signing powers in case I die she can get my money. 
My Name is XXXX XXXX XXXX, XXXX XXXX, XXXX, AL XXXX My XXXX child is : XXXX XXXX XXXX XXXX. Please have them return my money immediatly, clear our credit reports, and Pay outstanding DEbit Credit and checking transactions by paying them with my money they took from me. Thank you, My life depends on the Medications that I can not get filled, because they took my money. I am XXXX, and I plan to file a complaint against them to the " XX/XX/XXXX Act ''. Need them to please hurry so i can pay my rent and not get evicted from my home. Sincerely, XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: MI

Complaint narrative:
Hyundai Finance Company 's collection department was very nasty, aggressive and, in my opinion, unreasonable in solving a dispute about a lease payment that occurred 4 years ago. The issue was resolved and the vehicle returned on XXXX XXXX. I leased another Hyundai vehicle from the same dealer only through another finance company. ( The bad experience precluded me from considering Hyundai Finance again. ) A letter describing the issue and requesting a waiver of the " disposition '' fee was included with the paperwork with the returned vehicle. The letter requesting the waiver was never answered and I received a bill for the " disposition '' fee plus taxes. 
I have returned the bill with a copy of the original letter and a note disputing the bill to Hyundai Finance. 

If Hyundai Finance had been cooperative in resolving the original dispute I would continue to do business with them, However the total lack of willingness of Hyundai Finance collections department to cooperate to resolve what should have been a simple problem sent me the message that I should do my business with someone else. Now they want to charge me for a " disposition '' fee that never would have become an issue if they had treated me with respect. 
Finally, the " disposition '' is not really that since it is automatically waived when a customer leases or buys another Hyundai and finances through Hyundai Finance. I believe it is really an undisclosed price increase for not continuing to do business with Hyundai Finance. 
I think this is morally wrong. 
I think that is flat wrong and ask you your assistance in having the

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
I have a loan with Kia Motors Finance. I purchased a new vehicle and XXXX XXXX XXXX XXXX paid off my Kia balance but there was a {$330.00} over-payment. I contacted Kia and they said that they will not look at refunding the over-payment for a minimum of 20 business days. This is more than double the amount of time allowed by Expedited Funds Availability Act for financial institutions check hold times. My account reflects a XXXX balance despite the fact that Kia Motors Finance refuses to act on the over-payment refund until their unreasonable and unfair waiting period of 20 business days expires, which will take at least 30 days before I receive my funds due to me.

Company response to consumer: Closed
Consumer complaint received 2016-11-06 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: OK

Complaint narrative:
On XXXX XXXX I submitted a complaint regarding an incorrect late report on my credit bureau report for a XXXX 2016 payment from Hyundai Finance. They have fixed that issue but now I have the same issue for my XXXX 2016 payment on a vehicle I traded off in XXXX when I leased another car from Hyundai. Please help me get some closure and compensation for this hassle.

Company response to consumer: Closed
Consumer complaint received 2017-01-21 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Critical Resolution Mediation LLC
State: GA

Complaint narrative:
Critical XXXX continuously calls me and make threats trying to collect a debt from 2014. They wo n't send me paperwork to verify that I had this loan. They wo n't verify who they are. All they do is call and threaten to take me to jail or file a case against me for check fraud. They have called saying I 'm a liar or cursing me out and hanging if up in my face. Also threatens to come to my place of business.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed