vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Co-Operative Adjustment Bureau, Inc.
State: AZ

Complaint narrative:
I paid the XXXX {$920.00} instead of {$920.00} and they attempted to evict for {$2.00}. The judge dismissed the eviction case and closed it. After I moved out of the property, the apartments filed a small claims judgment against me for the rent money that accrued DURING the eviction case. It is illegal to collect rent during an eviction case. I was never served with court documents. There is court record that XXXX - XXXX XXXX was served, but I am XXXX tall - XXXX and was not given a chance to appear in court. Because I did not appear, the case defaulted and the property has place a {$12000.00} debt on my credit report that I am not responsible for and that has caused me and my XXXX small children homelessness for the past 5 years. I was granted a XXXX to Vacate XXXX but by the time I found out about it being on my credit report, the judge said the case was too old. I also filed a complaint with the XXXX XXXX XXXX XXXX and I spoke with XXXX Consumer Affairs this afternoon and he advised me to take these following steps. Please help us. This is not fair. I am a working, single mother and this is and has been the ONLY obstacle in my way for providing a good home to my children.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-15 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
Pay pall refunded money to the person even after I reported, that it was nothing wrong with an item. When I protested it, they told me that the buyer will return the product. The buyer returned empty box, now I do not have the product and the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: I.C. System, Inc.
State: LA

Complaint narrative:
Call my workplace at least XXXX a day after I have told them that I can not have calls at work. They have not identified the name of the company where they are calling from, so I only have a telephone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I currently use Paypal to operate an eBay business. This business is an XXXX. Paypal has the businesses XXXX ID number, the bank account number, and access to my eBay account. Currently they are withholding over {$2800.00} in sales based on their {$3000.00} base limit for new accounts. However this account is n't new. It 's 3 months old, shows over XXXX transactions, generated over {$12000.00} in sales, and there is 100 % good feedback. The issue is Paypal refuses to release funds where the product has been paid for, shipped, and received. Instead there is a 21 day hold on all transaction after the initial {$3000.00}. This causes an enormous amount of stress for my business with its ability to purchase more inventory and to continue to build. I 've tried to talk to many representatives at Paypal and they pretty much say " Oh well ''. 

There is no reason for my business to be treated as a individual. Even a bank only has a 14 day hold on checks and that 's generally random and does n't happen too often. I would like my funds released so I can build my business, buy more inventory, and generally cover my operating costs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-06 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I have sent in total {$800.00} Venmo. Venmo cancelled these transactions but instead of returning the money to the Debit cards they are holding the money hostage and they are trying to force me to send them private information like bank statements, passport over unsecured environment - emails. I told them I do n't agree with it and they just closed my support case. If they think those transactions are fraudulent they should have reversed the charges., they are trying to confiscate the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
1 ) On XXXX XXXX, 2014, PayPal Credit - dba BillMeLater ( PayPal ) failed to process a void/credit invoice from XXXX in the amount of XXXX and refuses to close the account to a XXXX balance in a timely manner, referring to an undetermined investigation process. 
2 ) I assert that PayPal has illegally opened a credit account in my name, applied charges to it for items that were not purchased, failed to mail statements, have mailed statements with unclear definition of items purchased, have applied interest and late fees to the account and sent collection notices, refused to process a fraud dispute, refused on-line access to their payment site. and made pervasive outbound calls to XXXX of my personal cell phones. For a debt I never held, and which, according to XXXX " no money was involved '' 3 ) This was a transaction for ticket number XXXX, that was cancelled at my request, I recognized this was a credit offer, and had other payment options. The XXXX agent stated that the void would be processed right away, and the account would be closed. Ten ( 10 ) months after the failure of PayPal to void the transaction, I was billed for XXXX. 
4 ) XXXX has repeatedly acknowledged the void in several conversations with me and shows the ticket as void on their web sites. And, they have claimed on XXXX occasions to be in direct contact with their on-site PayPal resource, who has repeatedly promised resolution. 
5 ) XXXX has stated that PayPal Credit did not process the void as other companies would, and in fact, could leave the balances open " indefinitely ''. 
6 ) PayPal Credit, rather than processing the void, opened a consumer credit account without my authorization, and applied the voided charges to the account, in effect, committing credit card fraud by making an illegal and unauthorized charge. 
7 ) PayPal has stated that they do not report to credit bureaus, and this issue would not impact my credit rating ( XXXX XXXX ) 8 ) I assert that PayPal has also engaged in retaliatory action by claiming that, in spite of their direct engagement with XXXX through on-site PayPal resources and the facts that the void was not processed, and the account opened and charged illegally, that this process must now be mediated through this portal, and go into an undetermined analysis phase. And that PayPal can not communicate or provide any resolution directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
I have a VA Loan. The original loan included cost for Mortgage - Hazard Insurance. After the first year, the issuer of the mortgage insurance, cancelled the policy. Though the policy was cancelled, the monthly mortgage cost stayed the same. The loan originator insisted that I again get an insurer to cover the loan. Subsequently, I found out that VA Loans per my category, do not require " mortgage insurances ''. The loan originator has sense foreclosed and sold my property, even though, I have continued to pay my monthly mortgage up until they stopped receiving them ; returning my checks to me with a note saying they no longer could accept them. The loan originator has issued an eviction notice to me effective XXXX XXXX 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
on XXXX 2016, I use XXXX credit card under paypal to pay for transaction {$20.00}. Paypal charged me {$20.00} for that transaction also XXXX credit card charged {$20.00} for the same transaction. I call paypal to dispute and they refused to refund me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 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: NJ

Complaint narrative:
I had a XXXX XXXX Plan for my XXXX XXXX, XXXX. However, after XXXX been mistreated by the veterinary. I contacted XXXX by email with a letter ( see below ). The statement was ignored and they continue sending reminders regarding payment. Sadly, my XXXX got worst. She could n't XXXX and in pain. With my broken heart, I got her cremated, on XXXX XXXX, 2016. It has been very hurtful not have her and for XXXX XXXX Hospital continue to collect payment. 


XXXX XXXX, 2016 XXXX XXXX Hospital XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Re : XXXX Client ID # XXXX On XXXX XXXX, 2016, my XXXX XXXX XXXX XXXX was at the XXXX Hospital XXXX XXXX XXXX NJ for a nail problem. In addition, she received the XXXX XXXX XXXX. Painfully right after she was not herself. XXXX was having XXXX XXXX and with no energy. 

Due to her illness, I brought her back to see the veterinary on XXXX XXXX. I had to upgrade my plan since he performed multiple testing 's. I was told nothing was found that I should consider consulting a XXXX. He also provided a prescription. She was not getting better and continue having the same symptoms. Therefore, she was back at XXXX on XXXX XXXX. Basically, I was told the same and went home with multiples prescriptions. 

XXXX still was not herself. Therefore, on XXXX XXXX, I took her to XXXX XXXX Hospital her prior veterinary. I called XXXX and requested all her medical records to be fax. She had XXXX and was very fragile. However, after the examination was very clear the reason of her illness. It was due to the XXXX. 

I was not provided with the client information sheet for the XXXX XXXX neither was told of the medical reactions. In addition, XXXX is XXXX XXXX XXXX and should not got the XXXX XXXX. However, I had trust on the XXXX XXXX Hospital veterinaries. 

For that reason, I am requesting the immediately cancelation of my plan with no comprising fees and a reimbursement for the total amount of {$920.00}. Enclosed are copies of all documentation. 

I look forward to your response and a resolution to my problem. I will interval until XXXX XXXX before seeking help from the NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and the XXXX XXXX XXXX XXXX XXXX XXXX for Veterinary.

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 2015-04-22 00:00:00
Product: Money transfers — International money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
When paying a XXXX invoice of XXXX, I wanted to determine if I would be charged in USD before I used my XXXX XXXX card, so as to avoid foreign transaction fees. Otherwise, I would use a different credit card that does not charge such fees. I called PayPal on XXXX/XXXX/15 at XXXX Eastern Daylight Time and was repeatedly assured during a 14-minute phone call I would be charged in USD. I transacted the payment at XXXX EDT on that date. I was charged in XXXX, and XXXX XXXX added a foreign transaction fee of {$84.00}. When I called PayPal back on XXXX/XXXX/15 at XXXX EDT, I spoke to supervisor XXXX, who informed me that the only action available is to ask the merchant to refund the money. After disputing the charge with XXXX XXXX ( to no avail because this disputed the charge with the merchant directly, which is not what I need ), I attempted to communicate with PayPal again about this issue. I spoke to another representative who told me he would open an investigation and listen to the phone call in question to confirm that the conversation in question did in fact include the assurance that I would be charged in USD. He told me I would hear back in a couple of days. I never heard back, and a week later called back, and another representative told me again that they would investigate the matter, and that they saw no evidence of such a request on my profile. Again, I never heard back. I called back again on XXXX/XXXX/15 at XXXX EDT, and spoke to another representative for 15 minutes who was rather difficult and rude and stalled my request to speak to a supervisor. After I insisted to speak to a supervisor, I was put on hold for 30 minutes before hanging up and calling back at XXXX EDT, asking to speak to a supervisor immediately. I spoke to supervisor XXXX, who told me she would send a request to an office to have a payment credited to my account to offset the fee of {$84.00}, and to call back to check on the status of the request. I called back the next day, XXXX/XXXX/15 at XXXX EDT, and the response was that I would have to deal with this through XXXX XXXX, since it was a fee charged by XXXX XXXX. Of course, XXXX XXXX is in no way responsible for this issue - PayPal is, because PayPal gave me wrong information that resulted in my being charged the foreign transaction fee. After nearly a month of being forestalled and disrespected by PayPal in this matter, I decided to file a complaint with the Consumer Financial Protection Bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-30 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Threatened to take legal action
Company: The Regional Adjustment Bureau, Incorporated
State: CA

Complaint narrative:
I had a private student loan that went into collections in XXXX. In XXXX I began paying the loan back. The loan was apparently bought out by Regional Adjustment Bureau, they called me in XXXX of XXXX at my work and harassed me. I paid them a large chunk of the loan to start a payment process and for about a year they were taking monthly payments via auto deduct. In XXXX they stopped taking the payments and began to call my cell phone, my parents home number and previous employers. They call multiple times a day and when I do talk to someone they are rude and refuse to send me any written documentation, claiming they already have, although I never received any. They have also left messages that someone will show up to my home or office to arrest me. They have given out personal loan information to my parents, even though I am over XXXX years old. They have now begun to call my current work place, even though I have asked them to stop calling me all together.

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 2017-03-21 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
This person that said they were selling a puppy and they tried to scam me and I asked them multiple times for a refund and do n't respond I told them to cancel the puppy but they said later and have n't refunded me I need help to stop the money or get it back please

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-25 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I signed up for a free Paypal account and nowhere did I enter my social security number or any portion thereof. I logged in the next morning to see Paypal had the last XXXX digits of my social security number ( hereto referred to as " SSN '' ) and that I had a credit line. I was alarmed and called Paypal to ask how they had my SSN, without me ever entering it, and was told they obtain it through my name, date of birth and street address. I was taken aback and asked about the credit line, to which I was told I signed up for PayPal Credit. No worries, she said, it was a soft pull and they could close it. I closed the credit line due to never signing up for it and closed my Paypal account due to them obtaining my SSN without my knowledge or consent. I had a feeling I was lied to and it was a hard pull so I checked and sure enough, it was a hard pull on my XXXX report. I disputed the pull with XXXX and was denied because Paypal insists it was a factual pull. Per their request, I sent it a form asking Paypal to remove the pull and they refused - over and over again. Not XXXX single customer service rep expressed concern or surprise. On XXXX XXXX, 2015 the CFPB issued a complaint against Paypal for this very problem. With this as my proof they were in fact signing people up for Paypal Credit without their knowledge or consent, I again asked for them to remove the hard pull from my XXXX report. They again refused and asked me to forward the request to their Executive Escalations Team, to which I have not received any updates or response. 

Paypal signed me up for Paypal Credit, I did NOT apply for this service. I did NOT see anything informing me I was signing up for credit, when I signed up for regular Paypal. Their practices are deceptive and illegal. XXXX confirmed Paypal only used my name, date of birth and street address to do the unauthorized hard pull. I want the hard pull removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A.
State: MO

Complaint narrative:
Our house is in forclosure but it is on hold. We have been trying to work with our mortgage company since XX/XX/XXXX trying to get a loan modification. Our paper work has been lost, missed placed over looked, we have been told the wrong information and cant talk or do n't get calls back from anyone. Just since XX/XX/XXXX we have had XXXX modification turn downs because paper work was missed placed or over looked and we were told to disregard any letters we get because it was there fault and it will be resummited to under writing. This was wrong and a lie. All these delays have cost us time and money and possiably cost us our house.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Paypal closed my Paypal account XXXXXXXXXXXX on XXXX/XXXX/15 without any valid reason. There is more than {$10000.00} in my account. 
Paypal refused to return my money and grab the money for 6 months without any reasonable ground. I can not access my own all legitimate money, which causes enormous financial loss while Paypal profit from using my money interest free. 
Paypal 's act of grabbing customer 's money at will is rogue and illegal, which violates consumer 's property right protected by the constitution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XXXX/XXXX/15, I requested a funds transfer from my XXXX account to my PayPal account. On XXXX/XXXX/15, it was finally processed, but it hit my PayPal " Credit '' account, which is through XXXX Bank. I sent an email to PayPal on XXXX/XXXX/15 and on XXXX/XXXX/15, while also following up with a phone call later in the afternoon. I was advised my refund would be sent out no later than XXXX/XXXX/15. I questioned that and was told it was the company 's policy. Having worked in credit prior, I knew that was n't correct or legal. I sent a XXXX email right after the phone call advising them of Federal Statute : Title 12, Chapter II, Subchapter A, Part 226, Subpart B - 226.11 Treatment of credit balances ; account termination. 
( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall -- ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. 

On XXXX/XXXX/15, I sent an email through XXXX Bank 's website and was advised someone would be in touch within XXXX hours. I have not heard from XXXX Bank personnel ... and now PayPal is not responding to my XXXX, direct messages, or emails. I also sent emails on XXXX/XXXX/15 and XXXX/XXXX/15 with no response. Whatever the penalty is for violating the statute, I want it applied to either PayPal, XXXX Bank, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Darnel Quick Recovery, Inc.
State: GA

Complaint narrative:
I first became aware of the debt when applying for a apartment and as it 's reporting on my credit report affecting my ability to get a home

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Without realizing it I signed up for PayPal credit while making a purchase. I was unaware of having done so and eventually accrued more than {$92.00} dollars in interest and fees in the 6 month period. I was unaware that the purchase had not been paid in full at the time. PayPal credit also signed me up for a {$1000.00} credit line, which I also did not intend to sign up for. PayPal also conducted a " soft '' credit check against my account, which I also do not recall being notified of.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-18 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
PayPal Credit signed me up for unwanted online credit, which I did not request or authorize. It also sent me a credit card statement with XXXX charges on it that I never ordered. Please see my letter to PayPal Credit dated XX/XX/2016 which gives more details on this issue.

Company response to consumer: Closed with explanation