vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-15 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANCORPSOUTH BANK
State: MS

Complaint narrative:
BancorpSouth changes the order that debits post to accounts up to 4 day after they show up on online banking. Like I make several debit on Friday, the a large auto draft comes out on Monday that causes an overdraft. BancorpSouth will take the small debit that posted Friday, change the dates to Monday and post them after the large auto draft. So they not only hit me with an overdraft charge for the large debit, which i have no problem with. I owe that one, it 's the overdraft charges for the small debits made on Friday that they changed the dates on so they could maximize the number of overdraft charges that I have a problem with. This is not the first time this has happened. They have done this before and from what i am reading on the internet, this common practice for them. I 'm not asking for the fair overdraft charges back, but i want the fraudulent overdraft charges back with a letter of apology, and I want the same thing for everyone else that BancorpSouth has ripped off

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-16 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
PayPal Credit billing statement, minimum amount due to prevent interest charges and the application of payment of the said amount is false and misleading. Purchases over {$99.00} are advertised as 6 months no interest, no payments. Purchases under {$99.00} must be paid within 25 days to prevent incurring interest charges. PayPal Credit billing statements inaccurately report the accumulation of purchases made under {$99.00}, even though those purchases occurred greater than 25 days prior. In addition to carrying this balance forward month to month they will include the amount of the current month expiring promotions in the minimum amount due to prevent interest, which causes me to pay a higher amount than what is actually due. Upon payment of the minimum payment to prevent interest based on the billing statement, PayPal then applies the payment to the current expiring and future promotional purchases ( within 60 days expiring ) while leaving the standard purchases accumulation to roll forward. This method ensures that they are receiving a monthly cash flow payment of at least the accumulation of standard purchases and in excess of the actual amount due in the current period ( expiring promotions and purchases within prior 25 days ). First, if the promotion is 6 months with no interest, no payments then payments made should not be applied to items that are not yet due nor require a payment. The payments should be applied to the standard purchases and promotions expiring in the current period with any excess paid above that amount applied to future promotions. Second, even though they are not charging interest on the standard purchases, which are accumulating, they are not in compliance with the terms communicated to the consumer, which state standard purchases must be paid within 25 days, yet when the standard purchase amount is paid within the 25 days, the payment is not applied to the standard purchases. I have canceled my account with them after noticing for several months I was writing them checks of $ XXXX- $ XXXX monthly and still showing a standard purchases amount over {$300.00} even during months when no new purchases were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Receivable Asset Management
State: FL

Complaint narrative:
I received a message from a person who identified themselves as XXXX XXXX on XX/XX/XXXX. I had received notice from XXXX friends of mine that were listed as references that they had each requested information on my whereabouts who I no longer talk to. The representative called me the next morning and would n't identify the company they were representing until I verified personal information. They then indicated they were representing the company XXXX XXXX Loans. In XX/XX/XXXX I had taken out a small loan to support myself XXXX This condition has proven to cause further complications due to the continuous stress that 's been brought on due to my inability to be able to work my full-time hours. My doctor can clearly submit any paperwork needed stating this information. At this point, in order for my condition to improve anything that provokes stress in my life has to minimal in order for me to improve and receive repeated phone calls regarding this matter. The person identified themselves as XXXX XXXX from Kramer and associates law firm at phone number XXXX. I very much appreciate your assistance on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
As reported on Case number : XXXX, PayPal opened an unrequested and unauthorized credit line and their actions have severely impacted my credit score. When contacted, PayPal denied having opened such an account, and said they had closed all my accounts with them. However, today I received the attached statement of this unrequested and unauthorized account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06 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: NY

Complaint narrative:
XXXX XXXX treated my dog, overcharged me and they were paid in full.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
PayPal is currently attempting to charge me {$1300.00} due to a credit card 'chargeback ' which someone filed with them claiming they did not get an item which I sent to them. I have proof the individual received the item and now they have the money for it as well. I have told PayPal to dispute this chargeback. PayPal has been provided with the evidence from a UPS investigation in which the individual admitted they received the item. The individual now has both the item and my money, and PayPal expects me to pay {$1300.00} into my PayPal account, claiming they will return the money " if '' the credit card company decides in my favor regarding the chargeback.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I have a XXXX ( XXXX ). I completed a job for a customer, I hand delivered the parts, and the customer is happy with the results. Unfortunately, the customer wanted to pay via credit card, so I used PayPal to process the transaction. The payment cleared, but PayPal is holding the funds for up to 21 days. Not to mention the fact that they take an additional 3 to 5 business days to transfer money to my real bank. I called and spoke with a PayPal customer service representative as well as a " specialist ''. Both reps were nice, and tried to be helpful, but the earliest they are willing to release my funds is by next Thursday, XXXX XXXX. This is amount of time is ridiculous. I understand that PayPal needs to earn interest on my money, and the longer they hold my funds, the more interest they make. The longer they hold the funds, the greater number of bills that I have are going past due. My credit rating is being destroyed while PayPal makes money. And I paid them nearly {$100.00} to process the credit card transaction. And I 'll have to pay to transfer the money to my bank account. 

Most people agree that electronic commerce is nearly instantaneous - why is it necessary for companies to withhold funds for ridiculous lengths of time? I 'm being punished for doing my part, providing a quality service, and delivering on time, only to have PayPal not release my funds until it is very convenient for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A.
State: MN

Complaint narrative:
Flagstar Bank has inappropriately denied assistance even though we are in imminent default under FHA guidelines even though we are current on our loan. We ( the borrower ) have had a reduction in income due to previous job loss, reduced pay with a new job and increased expenses. We do not want to loose our home! Flagstar states in it 's hardship letter they " ... understand that your home is an important and valuable asset and your peace of mind is important to me. Flagstar is dedicated to helping our homeowners preserve and maintain their investment. I am prepared to discuss your situation and help determine the best course of action for you. '' We feel this has hardly been the case. We are current. We have n't missed a payment. We are trying to be proactive rather than reactive with our loan.

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 2016-12-06 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Bought hair from " XXXX '' on XXXX, THROUGH PAYPAL. Claimed the hair did not shed, did not tangle, the hair shedded as soon as I touched it. I went to go wash it and the water was so dirty brown. Mind you I did not wear the hair at all I was trying to fix it. I contacted the seller and she said I have to return it back the way I got it to get a refund. That does not make sense cause how would I know the hair was bad if I didnt atleast try and wear it once. EVERYTHING they claim on their site is fake about the hair and even the reviews. I want my money back. OPENED a dispute on paypal and theyre saying i have to send it back how i got it to get full refund..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a letter dated XXXX/XXXX/2015 from Chase Executive office stating that they are investigating my concerns. Well that in fact is a real way of insulting me. I received XXXX a call from XXXX Chase who left a message for me to call ASAP the first chance I had was today and the person I spoke to stated that they had conducted their research and felt that they would not be changing their minds and there desici0n stands the same. 

This to me is a way of harassing me and degrading me because I had paid this balance off without any delays and paid them finance fees and suffered greatly from the situation which concerned lodging at XXXX that was infested with bed bugs. They contacted me with the last letter I uploaded regarding the credit they had not made to my account for the amount that was disputed. This is by far a way to harass me and treat me like a liar. I went through an extensive period of cross examination and had to show them a lot of proof to file a claim and they treated me like the bottom of the barrel credit card scum they are This is from Case number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Our loan servicer transferred to Ditech who decided to first double our impound payment and then after multiple attempts to explain they are wrong and provide proof from the county, they play games with us and continue to increase it. Twice now they said say we will do an escrow review in 7-10 days and both times did not resolve the issue and actually made it worse. How this company made XXXX and then made it equal XXXX is confusing and why I have to over pay for their errors month after month or I will get a penalty and late is extremely unfair and wrong. XXXX attempt today the representative attempted they were wrong and said sorry we have too many new people and maybe in a few months your issue will be resolved. I was told I had to still continue to overpay despite them knowing they are flat wrong until they get around to fixing it. How is this legal? They should have to give me interest for stealing my money for this many months as that is what is happening. We are happy to send the details over should you need to view the documentation but I am fearful to submit not knowing if this will ever be read.Thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 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: AFNI INC.
State: TX

Complaint narrative:
AFNI Inc was sent a validation request under the Texas XXXX, but failed to provide the required information as required within a thirty day time period. AFNI also reported the account as dispute. It is collection agencies responsibility to cease reporting an account until proper validation requirements are met. AFNI has continued to report this account to the Credit Reporting Agencies but has not provided proper validation of the debt. Texas law provides that this account, not being properly validated within the stated timeframe should be permanently deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Nationwide Biweekly Administration, Inc.
State: MT

Complaint narrative:
I received e-mails from Nationwide Bi-Weekly Administration that they were discontinuing service but that our Mortgage Payment would be made for the month of XXXX if our account had been debited in XXXX with the additional funds to be credited to our bank account. They debited the account on XXXX XXXX, XXXX XXXX and XXXX XXXX. My mortgage has not been paid to my lender as of today XXXX nor have I been returned the additional funds in my holding account that they have promised. The total amount for the XXXX debits is {$2200.00}. {$1500.00} should have been paid on XXXX XXXX to XXXX for my mortgage with {$760.00} returned to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 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: Aldous & Associates, PLLC
State: FL

Complaint narrative:
I received a debit collection notice from Aldous & Associates, XXXX XXXX, XXXX, UT, XXXX, for a balance of {$190.00} ( account # XXXX ) on behalf of XXXX XXXX XXXX, a fitness gym, located in XXXX XXXX XXXX, Florida. The debt collection letter claims I defaulted on an installment contract with the Company. I was formerly a client of XXXX XXXX XXXX with no installment contract who paid on a month-to-month basis. I discontinued visiting XXXX XXXX XXXX several months ago, so I was surprised to receive a debt collection letter for a debt that I do not owe. I contacted Aldous & Associates by telephone on or about XXXX XXXX, 2016, and attempted to explain that I was pay-as-you-go customer of XXXX XXXX XXXX that did not have a contract, but the representative became hostile and verbally abusive and kept yelling and screaming that I owed them money with or without a contract with the fitness center. I informed the representative that I did not owe the debt and hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-01-19 00:00:00
Product: Other financial service — Debt settlement
Issue: Customer service/Customer relations — 
Company: Nationwide Biweekly Administration, Inc.
State: AZ

Complaint narrative:
Nationwide bi-weekly administration has been sending me things in the mail for the last 2+ years advertising a program they have to pay off your home mortgage in 21 years instead of 30 by them taking half of your monthly payment out every 2 weeks and paying it to the bank so you make an extra payment every year. I agreed to this program and in exchange they charged me half of my first years extra payment as their fee. After a year my mortgage was transfered to a new lender and they said in order to set it up again they would have to charge me again. So reluctantly I paid them again approximately a year ago. I received a phone call yesterday from the company that has my home loan, XXXX, stating that they have n't received a payment since XXXX XXXX and that I now have a late fee on my account. I immediately called nationwide bi-weekly administration to discuss the issue. They informed me that they are having issues with banks and that they are no longer able to withdraw money to make the payments for their customers. I said that 's fine, refund me the money I 'll do it myself ( I learned I can do it through my bank for free with no hassle at all ) to which the supervisor I was speaking to responded " it is our business policy that we will not refund the initial set up fee I 'm sorry '' I said that 's fine, but we both entered into a contract correct? I 'm fine paying that fee as long as you guys do your part of taking care of my mortgage parents. Of which you are not completing. So in turn voids the contract since the goods/services that I am paying for are not being completed. All she continued to say was " I 'm sorry but it is our business policy to not refund the initial fee ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 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: EOS Holdings, Inc.
State: LA

Complaint narrative:
I keep receiving letters concerning a debt to original creditor XXXX XXXX XXXX XXXX. I have NEVER had a cell phone in my name. EVER. I tried to call EOS/CCA, US Asset Management to resolve this. All they did was try to phish more info out of me and demand I pay. When I asked to prove the debt, the agent said they did n't have to and when I refused to pay the {$470.00} offer in payment for a debt of {$940.00}, she hung up on me. I think they are sending out letters to try to get suckers to pay debts that are n't theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc.
State: TN

Complaint narrative:
I recently viewed my credit report and noticed that this company has report that I owe them a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Commonwealth Financial Systems, Inc.
State: IL

Complaint narrative:
They were to remove this from my credit and are reporting it to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
They proceeded to put this debt twice on all of my credit reports. The original amount is {$940.00} and now it is showing {$1800.00} which is double the amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ability Recovery Services, LLC
State: NY

Complaint narrative:
My chapter XXXX bankruptcy was XXXX in XX/XX/XXXX, I contacted fastunsecured.com around XX/XX/XXXX for help in cleaning up credit, at the time they said I would need about XXXX ( I did n't have ) for them do do any work on my credit. They said they might be able to help me get the funds for them to do the credit repair work. They ended up applying to a bunch of credit card companies on my behalf ; Like XXXX express, XXXX ... I 'm not sure how many in all might have been XXXX or more companies. I received not XXXX single approval form any of the companies they applied to. XXXX now want me to pay them {$11000.00}, they have turned my so called account they claim I have over to XXXX XXXX XXXX XXXX, a collections company ... XXXX has now further damaged my credit report by placing this Scam {$11000.00} on my report. XXXX claim that because I did not forward to them all the denial response I received from the numerous companies they applied to, I owe them this obscured {$11000.00}. I want/need this company to remove their garbage collection from all XXXX of my credit reports now. Like I said I just got my bankruptcy XXXX and I am trying to get my life together I do not have time or energy to be dealing with this nonsense from them. So please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
Commonwealth Financial has added several bogus collections to my XXXX & XXXX reports. They have never communicated with me regarding any of the listed items. I 'm 100 % certain these are fraudulent charges.

Company response to consumer: Closed with explanation