vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-09 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: CORELOGIC INC
State: GA

Complaint narrative:
I contacted the company listed in this dispute about an unauthorized inquiries reflected on my credit reports. I advised that the credit inquiry by their company is damaging my credit rating. I requested full documentation and supporting information regarding the circumstances resulting in the review and placement of either a hard/soft inquiry on either my XXXX, XXXX, and/or XXXX credit file showing pursuant to the permissible purpose provisions of the Fair Credit Reporting Act. Since I did not authorized the review of my credit file by this company, I kindly requested the inquiry be removed. However, the company has not granted my request nor provided any supporting information resulting in permission and/or granted permission by me, the consumer, to have my credit file reviewed. Please view the company 's response. 
Therefore, I am seeking your assistance in this matter.

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 2015-07-28 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: PR

Complaint narrative:
On XXXX XXXX, 2014 I opened a case against XXXX XXXX and XXXX XXXX because they opened a collection which was closed as Identity Theft on XXXX XXXX, 2014. 

In that time, I explained to them that I have not ever live in NY, so it is not reasonable that I ask for a service in a place that I do not live and I do not planning to live. 
I work here in XXXX XXXX, I studied here, and I have been raised and live all my live here in XXXX. 
Also, I have an excellent credit ( which is affected by this again ). I do not have that kind of behavior about not paying my debts. 

Those cases were XXXX, and XXXX, which you have in your system. 
Both of them closed as Identity Theft. So why XXXX XXXX are trying to open this again after a year? It is not fair and they are damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
PayPal opened up a line of credit for me without my knowledge or consent. PayPal created a hard inquiry on my XXXX credit report without my knowledge or consent, causing my credit score to decrease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-23 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
I USED MY PAYPAL BUSINESS DEBIT CARD TO RENT A A CAR. 
WHEN I GOT HOME, I NOTICED THAT THEY HAD AUTHORIZED XXXX CHARGES ON MY DEBIT CARD, XXXX FOR XXXX AND ANOTHER FOR XXXX, I CALLED PAYPAL TO INFORMED THEM THAT I ONLY AUTHORIZED A TRANSACTION FOR XXXX. 
PAYPAL PROCEEDED ON TELLING ME THAT SINCE THEY WERE PENDING THERE WAS NOTHING THEY COULD DO TILL THEY POST. WHEN THEY POSTED I SUBMITTED A CLAIM AND THEN 24 HOURS LATER THEY SENT ME AN EMAIL REQUESTING MORE INFORMATION. 30 MINS LATER THEY SENT ANOTHER EMAIL DECLINING MY REQUEST. AND WHEN I CALLED TO GET INFORMATION WHY. THEY STATED SINCE THE CONTACT I SINGED FOR WAS FOR A CHARGE OF XXXX AND WITHIN THAT CONTRACT IT STATES THAT THEY CAN CHARGE THAT AMOUNT AND ANYTHING ELSE AFTER I RETURN THE CAR THAT THOSE CHARGES ARE CORRECT. 
NOW THE CHARGE OF XXXX WAS ACCORDING TO XXXX FOR A PREVIOUS RENTAL THAT I OWED MONEY ON ( WHICH I AM ATTACHING AN INVOICE THAT I ASKED FOR WHEN I WAS THERE AND ITS A XXXX BALANCE ). HOW DID I AUTHORIZE THAT TRANSACTION WHEN I USED A DIFFERENT CREDIT CARD WITH THAT PREVIOUS RENTAL AND THAT CHARGE WAS DONE BEFORE THE AGREED AMOUNT OF XXXX? THEN THEY STATE THAT THE XXXX WAS THE ADDITIONAL FEES THAT THEY WERE CHARGING, NOW THEY CHARGED THESE FEES THE DAY BEFORE I RETURN THE CAR, IN THE CONTRACT IT STATES THAT THEY ARE NOT SUPPOSED TO CHARGE MY CARD TILL AFTER I RETURN THE CAR WHICH I DID NOT RETURN IT TILL XX/XX/XXXX. 
PAYPAL REFUSES TO PROCESS MY DISPUTE AND AS OF RIGHT NOW THEY REFUSE TO DO ANYTHING. THE ONLY CHARGE THAT I AGREED TO XXXX AND ANYTHING ELSE NEEDED TO BE CHARGED AFTER XX/XX/XXXX. THE CHARGES THAT PAYPAL ALLOWED TO GO THROUGH MY ACCOUNT ARE XXXX ON XX/XX/XXXX AND XXXX ON XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Refusal to provide refund I made a purchase using Paypal Credit. The merchant was XXXX and I order XXXX items and was supposed to receive them expedited. I filed a complaint with Paypal Credit case # XXXX when I had not received my items in two weeks. About a month after the original purchase XXXX sent me XXXX items that were completely different than what I ordered. Meanwhile Paypal closed the complaint stating the seller had provided shipping information. I immediately contacted Paypal who told me that he correct the issue and I would be receiving a full refund of my XXXX. That was over two weeks ago. Every since then I have been getting the run around. They told me that I needed to file a complaint about the company, which they never mentioned this during the initial call. I did so with the XXXX Complaint Id : XXXX and Paypal still closed the case. I have sent them several emails and have not received a response. I want a refund plus the interest I would have received if they had returned my money when I initially requested it plus the interest they are charging me on Paypal credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 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:
To whom it may concern, We have been in an on going dispute with XXXX since XX/XX/XXXX which has resulted in a wrongful collection debt that has affected my fathers XXXX Security Clearance. 

XXXX has wrongfully sent our account into default despite several of my personal attempts to clear the account based on my cancellation of services request back in XX/XX/XXXX which I personally requested on several more attempts to listen to the call recordings of every person I 've spoken to within the company in attempt to prove my request of cancellation ( " this call may be recorded for monitoring purposes '' ). 

XXXX has continued to charge us for services well into the XX/XX/XXXX year for services in which we cancelled and have severely failed to provide reasonable definition as to why we were being charged. I have spoken to several XXXX members of " customer service, accounts receivable and collections '' and have received different excuses from each representative. Needless to say, two understood excuses I have received : The first - our account was never cancelled, the second - our account was cancelled but showed a debt for un-returned equipment. 

I have attached a notice from XXXX showing the start of service and also receipts for " un-returned '' equipment from the UPS Store. 

I 've asked on numerous occasions to speak to a manager in attempts to resolve the issue and was never able to reach a single one. Each representative " assured '' they showed no reason for debt and each " assured '' they submitted for a reverse of charges. That never happened and I was never contacted to provide proof. 

We believe we were never given a fair attempt to resolve this before being sent to collections and again, despite SEVERAL attempts. 

I have the names of XXXX representatives for most attempts to clarify the reason for debt and in attempt to provide proof of my rightful recordings of saying such cancellation was never given. 

POOR, POOR, Customer Service on 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 2016-08-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
paypal is trying to rip me off by transferring money from my bank account to my paypal account without my authorization. they have the worst customer service in the world! i just want to close my account but they wont allow me to do that!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-10 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
Called a friend of mine who I also regulatory commission services from, using information from a third party they are affiliated with. This person also happens to be a friend, but is not listed as a contact on my account what so ever. The only way they could have gotten her phone number, would be to use a third Party they are affiliated with, to see who I have sent money to, and called their contact number on their account. 
They clearly stated they where calling from a Credit company and looking for me. This alerted them to the fact I have debt, and I 'm behind in it. 

I have NOT used their payment method to pay this client, I have always paid using the third party they are affiliated with, direct from my bank account. Even if I had, they still should not be calling a XXXX party, in another state, there would be XXXX expectation I would be at their house, or picking up phone calls from their personal phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-07 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
A guy was offering a service for a game. It turned out to be a scam after he had a buddy and myself send him money on paypal thru the friends and family way. But once he received the payment he stopped communications but has contacted others during this time. Have all the proof from the conversation and also have my buddies from them talking at the same time as he was avoiding me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A.
State: IL

Complaint narrative:
I filed bankruptcy in XXXX to re establish my credit after having XXXX where there were excessive hospital bills and I was laid off in XXXX from XXXX XXXX and could not recover. My intentions were to reestablish my credit with hopes of gaining credit worthiness. My mortgage was reaffirmed in the XXXX on XXXX XXXX and bankruptcy was discharged in XXXX of XXXX I just became aware that my mortgage company Flagstar Bank has not been reporting my monthly payments since XXXX and has the mortgage listed in the Bankruptcy which has affected my credit score and worthiness immensely. I am now on a mission to gain my worthiness and score back due to their horrible oversight. I have purchased XXXX vehicles in which the interest rates are extremely higher due to the negative impact as well as I have been denied several lines of credit, they have ruined my hopes at re establishing my credit. I now have several inquiries on the report for credit that I was denied for due to their mistake and oversight. I am paying higher car notes/ interest rates due to this oversight and as hard as I have been trying to reestablish myself this has held me down despite every mortgage payment being paid onetime via ACH every month and me also paying every other credit card and car note onetime. I am also spending several hours of time on the phone and internet trying to get this issue resolved and regain my worthiness so that I can move forward.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
RE : PayPal, XXXX, XXXX & XXXX, XXXX. Fraudulent rental listings paid for through PayPal. 

I am currently XXXX with XXXX and XXXX. I was force to sleep in my car due to the fraudulent and malicious acts by XXXX, XXXX & XXXX XXXX XXXX XXXXpaid through PayPal wallet. I was denied and defrauded of a public accommodation. 

On XXXX XXXX, 2016 at approximately XXXX I contacted XXXX, a subsidiary of XXXX XXXX ( XXXX, Ma. ) and XXXX based XXXX. These companies book hotel rooms, flights, etc. I responded to an ad on XXXX website to rent a private room & bath at XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX at {$40.00} per night. I contacted XXXX customer service to ask questions about the owner, rental cost, etc. prior to booking. After negotiating booking the room for 2 days ( XXXX ) and a second agreement XXXX ( recorded statements ) to rent at same rate the owner XXXX XXXX contacted me to say that " he forgot to change seasonal pricing and would not honor booking '' and he proceeded to cancel my booking. ( bait & switch ) After a few hours, I went to address of where I booked room and address did n't exist. This was a fraudulent and illegal transaction in which I contacted XXXX, XXXX, Paypal and XXXX XXXX. When speaking with Paypal customer service I was informed that I was the XXXX person that day to call regarding same scenario with XXXX & XXXX XXXX. There is a pattern of fraud here involving wire fraud and deceptive business practice and circumventing it through XXXX via PayPal. When payment was made through PayPal I assumed the money was being paid in the U.S. but received confirmation from XXXX XXXXXXXXXXXX. PayPal is aware of the fraudulent activity by XXXX, XXXX XXXX XXXX, XXXX. but did nothing to protect me or my money and also was collusive in violating my rights as a XXXX person ( XXXX federal law that prohibits denial of public accommodations for the XXXX ) Please investigate and I would like to have charges brought against all involved with this scheme and also seeking restitution and damages. FBI 's XXXX and AG of Massachusetts & XXXX XXXX, Ca. have been contacted. I have a trail of emails from XXXX, XXXX XXXX and XXXX. 

Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I bought my item on the phone through paypal, told me he will deliver it next day. Next day comes tries to get more money out of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 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: AZ

Complaint narrative:
I attempted to settle the debt with IC Systems for XXXX in the amount of {$XXXX}, I had offered the 40 % of the debt, a women named XXXX offered me a settlement of {$XXXX}, I advised her I would call back. I attempted to settle the debt at {$770.00} and asked them to remove it from my credit report, I spoke with an employee by the name of " XXXX '', who I asked to send me a settlement letter by fax, or email and he advised that they do not do that, that it is sufficient with the recorded call. I asked him a XXXX of times if he was making it clear that he could not do that for me and he offered to get a supervisor, we disconnected the call. Today on XXXX/XXXX/15 I attempted to settle this debt again and this time an employee by the name of " XXXX XXXX '' helped me, I advised him that i wanted to settle the debt but I needed a settlement letter, I advised him I had problems with that in the past, he stated they dont do that. I advised him that I would put in a complaint with the CFPB, he stated " ok go right ahead '', our lawyers have advised us that we can take this action. I repeated myself, asking him on the recorded line " that if I was hearing correctly and that he was not going to provide me a settlement letter '', he stated that his office lawyers have things handled. He then asked me what lawyer I was going to use, I advised him, that it didnt matter and that I was filing a complaint. Then the call was disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
My Paypal account had fraudulent activity, XXXX unauthorized charges, on XXXX XXXX. I immediately disputed all XXXX with Paypal. They submitted all XXXX charges to my bank account sending it overdrawn with multiple overdraft fees. XXXX. Regardless, XXXX of the XXXX charges have been resolved in my favor and refunded. XX/XX/XXXX is still unresolved at Paypal, since XX/XX/XXXX, it 's now XX/XX/XXXX, and they say that it should have been " resolved in 10 business days ''. Repeated emails have not resolved this case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Meridian Financial Services, Inc.
State: NC

Complaint narrative:
A debt collection agency is claiming that they will submit to both my account and my wife 's account on XXXX and XXXX a debt claimed by an HOA as a separate debt each year that the HOA submits the debt as delinquent. Thus, the disputed debt will continue on our credit report in perpetuum. We disputed this debt many times already. Is this legal?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: First National Collection Bureau, Inc.
State: SC

Complaint narrative:
Received calls and mail correspondence from First National Credit Bureau in reference to a 2004 XXXX debt that was a result of identity theft but was sold to XXXX XXXX and now has been sold to FNCB. This debt has not and can not be validated. I 'm requesting assistance in handling this matter properly and swiftly. This is considered junk debt being that it is XXXX years old and besides it was opened in my name without my consent. I have attached the original police report and letter I received from the collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc.
State: TX

Complaint narrative:
THIS COMPANY IS SENDING ME A BILL FOR AN ACCOUNT I DO NOT OWE ON. APPARENTLY THIS DEBT WAS PURCHASED FROM SOMEONE ELSE WITHOUT VALIDATING IT. 

I DO NOT OWE THIS DEBT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Meridian Financial Services, Inc.
State: WA

Complaint narrative:
XXXX, a Timeshare company failed to inform me of a change of agencies collecting maintenance dues. This Time Share company did not call, or write to inform me of this change. They turned unpaid dues into a collection agency prior to giving me an opportunity to handle my maintenance dues and an appropriate way. Now this collection agency information is a negative on my credit report.

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 2015-09-25 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX XXXX 2015 I was contacted by " XXXX XXXX '' stating I was being sued by Shell for an unpaid credit card balance from 2003. I was told if I did n't pay I would be taken to court, sued, lose, and have to pay the dept anyway plus court fees. I am not privy to consumer law so I paid the balance because I did not want to deal with the courts. I do n't remember the person I spoke with but I do have contact information for the " XXXX XXXX '' based in New Hampshire and a debt collection satisfaction letter from the " claims department '' which I paid {$310.00}. The letter itself has the name in quotations. I should have researched it more but I was threatened to make a decision in one day. This company also had my personal information and social security number. As I learned more through my lender she stated this was done illegally ; that this " group '' used unfair, deceptive and unreasonable collection practices to re-age a credit card debt, which according to the FTC was time-barred debt. I am writing to dispute this and have it removed from my credit report as it is preventing my wife and I from refinancing and buying a new home. I feel as if I were well informed and went to court ( assuming is was actually a real and legitimate case ) that this would have been resolved and this negative item would have never reached the bureaus.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 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: First National Collection Bureau, Inc.
State: SC

Complaint narrative:
I have received a debt collection notice from First National Collection Bureau , Inc stating that i owe {$1100.00} for XXXX. I have never had XXXX services. This is a result of ID theft for which we have had to file several complaints.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: MA

Complaint narrative:
I have requested several times that Aspire Inc ( http : //www.aspireresourcesinc.com/ ) take the phone number of my previous place of employment off of their contact information to contact me with questions regarding my loan with them. I have, several times over the phone, requested they use my current phone number to contact me and not my previous employers ( who I have not worked for since XX/XX/2015 ), and yet they continue to harass my ex-coworkers.

Company response to consumer: Closed with explanation