vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-18 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Paypal Holdings, Inc
State: MT

Complaint narrative:
On XXXX/XXXX/XXXX I made first contact with PayPay Credit in order to find out what the general status of the debt was. I was unable to get this information as they has stated that the debt had been assigned to XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX for collections and they could provide no further info and that I 'd have to contact them ( XXXX ). I then made contact with XXXX the same day, XXXX/XXXX/XXXX and was forwarded to a woman named XXXX who stated she was in charge of my account. She verified my contact info, e.g. DOB, home address etc. and gave me my internal reference number for XXXX. I mentioned I would be sending in some correspondence and I thanked her and the call ended. Shortly after that call, I went to their site and decided to try and register, which I did successfully and decided to browse my account. Menu options upon logging in were : Balance, View payments, Contact Us and Profile, all of which had info once clicked. I took several screen shots of what I viewed which I will attach to this complaint. I later went back after receiving an email from XXXX verifying my enrollment and to my amazement, all of it was no longer available and what was there was merely " Terms and Conditions '' under each category. To say the least I found this interesting. I later decided to fill out a Verification letter from CFPB XXXX XXXX ) and mailed it off via USPS Certified mail on XXXX/XXXX/XXXX ( file attached ). I have been very proactive in dealing with creditors since my wife and I had a major financial setback in late XXXX. The last time I had utilized PayPal credit was on XXXX XXXX, XXXX and to this date, XXXX/XXXX/XXXX I have had no contact from either PayPal Credit ( XXXX Bank ) nor XXXX in any form whatsoever. I also found it odd that upon viewing recent XXXX reports, from XXXX XXXX and from XXXX XXXX, XXXX appears nowhere on any of them in the reporting of this debt, however they requested an " Account Review Inquiry on XXXX/XXXX/XXXX ( screen shot attached ). Now, my last recollection of my balance with PayPal Credit following my last purchase in XXXX XXXX was approximately {$1600.00}. The amount that I was able to view upon logging in on the XXXX website before the info apparently was removed was {$2100.00} ( screen shot attached ) which of course I found completely outrageous to say the least given the lack of contact, not to mention it could very well be violating various codes ( XXXX XXXX Code XXXX - Unfair practices, Sections, XXXX & XXXX ). Again I will reiterate, I have not received any communication from XXXX let alone PayPal Credit in any way shape or form since XX/XX/XXXX aside from the " Account Review Inquiry '' on my XXXX report mentioned above.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
Here 's the situation : I 'm a medical student studying in XXXX, and moved here a couple of years ago from XXXX. My parents wanted to send me some money to help with tuition and living expenses, so I set up a XXXX PayPal account to transfer funds between my XXXX and American bank accounts, because the fees for international exchange would be cheaper that way. 

After verifying my XXXX PayPal and getting it fully activated, I tried to send the money my parents gave me ( about {$7000.00} XXXX from my XXXX account to my XXXX on XX/XX/2016. According to PayPal, it takes about XXXX business days to process an international e-check transaction, which was no problem. However, after that time passed and the transaction cleared from my bank account, it still remained " pending '' on my PayPal account, with the money not showing in the remaining balance on either side. I called them asking about it, and they said for XXXX transactions it can take up to XXXX business days. As you probably guessed, that time passed as well with no status change. I called my XXXX bank, and they said there was n't much they could do because the funds had already cleared from my bank account. I thought PayPal may have put a hold on it for risk assessment ( as they explain in their Terms of Service ), but they never notified me about it and as such it would be a breach of their TOS if it were in fact a hold. 

And so, I called PayPal again ( now over a month since the original transaction should have gone through ), and they said it was " an XXXX. issue '', and that they " have escalated it and are looking into it '', but would n't give me a time frame for when it would be resolved. It seems as though, despite the money clearing from my XXXX bank account, PayPal 's system did not recognize the reception of funds. 

Now, it 's been over a month since my tuition for this semester was due, and I do n't have enough to cover it without those funds. I 've contacted the financial office at my university, and they were very understanding and did n't assess any late fees ; however, they did say it could affect my ability to register for class next term if it is n't paid by then. 

I am submitting this complaint now because, after XXXX months of waiting, XXXX separate calls and countless assurances that my issue would " be resolved soon '', I feel I have no other choice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A.
State: MT

Complaint narrative:
I received a settlement in XXXX based on harmful lending practices by Flagstar bank. The question I have is, this was a VA loan and the VA was never compensated for their part of the loan they backed, now I have a substantially reduced amount that the VA will lend me based on this. Is there a way to get the VA repaid? Also my credit report now states foreclosure redeemed, is there a way to have it removed all together? Thank you for your time

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A.
State: KS

Complaint narrative:
I see that you took action against Flagstar bank in 2014 for their loan practices. I have read their violations and they are still doing this to me. They have done exactly the same things that you stated they were doing in 2014. They have delayed approval of my loan modification requests repeatedly, most of the time stating they did n't receive something, delayed responses to me, rejected payments from me, denied my applications for reasons unknown, never told me about appeal rights, and many other issues. At one point I was approved for a three month modification, during the third month I contact the bank to inform them of no change in my status, I was told to resubmit documentation which I did and was then denied a modification. This bank has been messing with me for over 800 days. My spouse is XXXX, I am now unemployed and XXXX waiting on Social Security and they are about to foreclose on my house due o their actions, not mine. WE have complied with every request from them only to be treated like we are trash. 

This all started over one missed payment. I called Flagstar to inform them that I could not make the payment and was told no problem, just make the payment the next month which I did. I sent a payment and it was rejected and returned to me 45 days later and stated was that I was now three months behind and the entire arrearage amount was due. Why did n't they tell me I needed to send two payments instead of their statement of no problem just send it next month? This has now blown up to where it is today, over 800 days behind and now they want over {$30000.00} to bring the loan current. Any local bank here would have moved that missed payment to the end of the loan and I would not be facing homelessness. This bank has been predatory to me and I believe their actions are totally unethical. How can they continue doing what they were told not to do after paying millions of dollars in fines, I just do n't understand this at all.

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 2016-07-12 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Back in XXXX of 2016 we went overseas. Not realizing we needed to let PAYPAL know. We run an EBAY business. A very active EBAY business. We we came back we were ask to provide information or they would shut down our account. We have given them all the information they have requested and in the requested time frame. THEY STILL PUT A HOLD ON MY FUNDS. Since i still need to run my ebay business to pay my bills they are currently hold {$25000.00}. YES {$25000.00}. I can not pay my loan, ebay fees or even my shipping fees. PLEASE HELP!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-06 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
Paypal gave me a line of credit, as a person under the age of XXXX, without a cosigner or proof of income when I am aware that there is a credit act that protects people such as myself. I did not intend to apply for credit, and have never used paypal before so I used the payments as instructed. Not only was I deceivingly signed up for credit, I was not protected as a minor by paypal in those terms. Since I did not know it was credit, there is now unpaid interest and late fees on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation
State: IN

Complaint narrative:
Lost my job in XX/XX/XXXX. I 've been trying to get my payments back on track since XX/XX/XXXX. I 've had 3 monthly payments returned to me. I applied for a loan modification and was denied. I appealed the decision for a loan modification and during the appeal and decision time was able to come up with the total amount due. I was given a due date to appeal by XXXX XXXX 2015, I sent a check to mortgage company for total amount due to bring my account current. I called mortgage company on XX/XX/XXXX to see if my check for total amount due had been received to find out my appeal had been denied and my mortgage was submitted to foreclosure on XXXX XXXX 2015 without written notification, or the chance to bring account current. I have been trying repeatedly to work with PHH Mortgage to get my account current. Seems as though they want me to lose my home. Very disappointed, and aggravated at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XXXX XXXX, 2015 XXXX ( PayPal Credit ) made an unauthorized credit history inquiry to EquiFax which negatively impacted my XXXX credit score. I had an established credit line with PayPal credit of over {$5000.00} and and at no time did I use anywhere near that amount. There was no reason for the credit history request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Google Compare Credit Cards Inc.
State: UT

Complaint narrative:
Google has sent me multiple emails on a debit card debt. I have notified google through email that I have filed for chapter XXXX bankruptcy, however, they keep sending me collection notices and violated the automatic stay rule. I suffer from XXXX and they have aggravated my condition. 


Case # XXXX ( Chapter XXXX ) Title XXXX XXXX XXXX Filed XXXX/XXXX/2016 Judge XXXX XXXX XXXX Original Chapter XXXX Vol / XXXX XXXX XXXX XXXX XXXX Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX P : ( XXXX ) XXXX F : ( XXXX ) XXXX E : XXXXXXXXXXXX XXXXXXXXXXXX XXXX ( XXXX hours ago ) to me Hello XXXX XXXX , You have - {$390.00} in your Wallet Balance. 

In order to continue using Google Wallet to make purchases and send money to friends and family, you 'll need to add money and settle your negative balance. 

To settle your negative balance on the desktop site : Sign in to your account at XXXX. 
Click on Settle Balance in the top yellow banner or in the left bar under your current Wallet Balance. 
Choose a payment method from the drop-down menu. 
Click on Settle Balance to complete your payment. 
To settle your negative balance in the app : Open the Google Wallet mobile app. 
Go to the navigation menu on the left. 
Tap on Wallet Card & Balance. 
Tap on Settle Wallet Balance. 
Review the confirmation and tap on Add money. 
Thanks for your quick attention to this and for using Google Wallet. If you have further questions or need help, please visit our Help Center or contact us at XXXXXXXXXXXX. 

The Google Wallet Team ( C ) 2016 Google Inc. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX You have received this mandatory email service announcement to update you about important changes to your Google Wallet account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
ran my credit report recently and saw XXXX inquiries I didnt not authorizeboth are from XXXX - I have had a paypal acct in the past, but havent used it in years, nor having any desire of opening any credit line with them, yet they automaticaly authorized a check on my credit for both XXXX and XXXX ... .I am super annoyed as I am trying to rebuild credit and dont need these on my report! 

Lender Type Date Reported ByXXXX/XXXX XXXX XXXX XXXX, 2015 XXXXXXXX/XXXX XXXX XXXX, 2015 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
They call repeatedly. Sometimes 2 or 3 times a day. When I answer they hang up. If I do n't answer, it goes to voicemail and they do not leave a message. If I call them, it hangs up. 

After about a month I decided to call until I got someone on the phone. After several calls, I got an automated message telling me someone would be right with me. When it finally connected to someone, they hung up. After repeated attempts, I got a person on the phone. I repeatedly asked that they identify the company and they refused. Only after I identified myself and threatened to report them to our Attorney General did they identify themselves by name only. When I asked the purpose of the call, their only response was to ask information about my paypal account. When I refused, they hung up. 

I researched the company online. They are a debt collection company. As such, I feel their actions are a clear violation of the Fair Debt Collection Act. Specifically, subsection 806 Harassment or Abuse. They repeatedly called, only to hang up when someone answered, which can only be considered an intent to harass. Also, they placed calls without meaningful disclosure of the their identity, and when requested to identify themselves, they refused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Paypal Holdings, Inc
State: HI

Complaint narrative:
I was XXXX a bar for 6 months while the owner rested. I was misled into believing that I needed to pay the utilities and inventory. I did not have access to the business ' bank account and was not authorized or comfortable using the cash for the register, so I misled into thinking if I pay it I would be reimbursed, however I felt very uncomfortable and did some research with Hawaii State Liquor commission, what the owners were doing was not legal in the Boards eyes and they 've be called to a hearing to explain themselves. I paid the funds from my business debit card with XXXX and my Paypal business card as well as m personal debit card, Paypal and XXXX has closed my dispute with no resolution. 

Almost {$15000.00} dollars was taken from me and it has severely hurt my family 's livelihood. Their judgment was I authorized the charges there is no there is no case to dispute however I feel likeIt was falsely paid

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 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: Pohler and Associates, LLC
State: OH

Complaint narrative:
In 2013 I forgot to pay school taxes in the amount of {$170.00}. There was a tax lien put out, so I resolved it the following year when I paid my taxes. Although the issue was taken care of, I have still received phone calls and letters saying I still owe and it has accumulated interest. The total I 'm being told I owe is {$1300.00}, I recently looked at my credit score from XXXX and it shows that the tax lien was released. The lien shows up on XXXX, but there is no other information provided. The attorneys office that keeps calling me and mailing letters, are telling me there is no proof that I paid. And that I must pay the balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
money was fraudulently withdrawn from my checking account using my debit card. 
the charge was by PP*XXXX XXXX SC according to other web sites, this ph number has been used in stealing money form other peoples accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc.
State: MD

Complaint narrative:
Hello CFPB employee, On XXXX XXXX, 2016 I sent a request for validation to XXXX. System regarding a collection account that they are reporting on my credit reports. Since sending the validation request I have not received a response or the requested information in my request to I.C.System XXXX XXXX, 2016 I sent a XXXX request for validation and again time went on and still nothing received to me from I.C. System. I.C. System has violated my consumer rights under the FDCPA by not supplying me with the proof needed to validate the debt they claim I owe. I 'am coming to you the CFPB for assistance for I.C.System to follow the laws they 're governed by. I 'm requesting that I.C.System to remove the collection debt ( I.C.System, Account # XXXX ) Balance {$310.00} with all credit bureaus, due to no response from the collection agency. Several attempts on my end as the consumer to resolve this matter with I.C.System has been made. 
( Resolutions request ) I think a fair resolution to my issue would be for I.C.System to remove the debt from my credit reports as they were not able to validate the debt they claim I owe. 

Thank you CFPB In advance 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 2015-04-03 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Financial Credit Service, Inc.
State: FL

Complaint narrative:
I was called about a debt that was written off XXXX years ago, by the credit card company. It was then sold to several collection agencies, before ending up in the hands of XXXX financial in Illinois. ( XXXX ). They never stated this was an attempt to collect a debt, nor read the " mini mirnada '' required by debt collectors. The guy then proceeded to insult me, calling me a child, a bum, loser and so on. 
I eventually hung up, but after working in collections for a short time, I know what they did is illegal and they need to be fined for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc.
State: TX

Complaint narrative:
XXXX/XXXX/XXXX I received a letter from ARA, Inc stating I owed their debt collection agency more than {$12000.00} for an old debt from XXXX XXXX. I have a few accounts with XXXX XXXX that are all current, so I called XXXX XXXX to investigate as this is the first notice from any debt collector regarding this. XXXX XXXX advised me that the account listed on the notice was not a valid account with them. I had XXXX XXXX also check my social to see if there were any old accounts for me, which there are/were none. I spoke to several people within XXXX XXXX 's idenitity theft and fraud units. 
I called ARA, Inc at XXXX the next day and inititally spoke to XXXX XXXX. I explained that I believed they had some bad info on me as XXXX XXXX had no record of this debt. Also, that my credit was not very good back in XXXX and that none of the credit cards that I had at that time, gave me more than {$1500.00} credit. XXXX XXXX told me that the last digit on my XXXX XXXX account number on the notice from them was incorrect. XXXX XXXX placed me on a brief hold to 'verify this info ', and another woman XXXX XXXX picked up. I explained all of this to XXXX XXXX like I did to XXXX and XXXX XXXX told me that the original creditor was really XXXX Bank and that the credit card was mailed in XXXX to an old residence that I did not live at in XXXX. She said that the inflated debt was due to late fees, interest, and penalties, and she stated my SS # to me and that the debt was valid and then started yelling at me. She yelled at me that they would sue me in XXXX XXXX which I lived and then hung up on me. 
I spoke to the Fraud Unit at XXXX XXXX who put me in contact with XXXX to show that some Fraud activity on my credit may appear. I made a report with XXXX and I filed a complaint with the CFPB, my next step will be to contact my XXXX and the XXXX. I am sending ARA, Inc the sample letter on this website inquiring for more information from them regarding this debt. I mailed this letter today XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation