vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-16 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I purchased golf shoes on ebay for {$100.00}, and used PayPal to pay the seller for the item. PayPal placed my charge on their PayPal Credit without my authorization. I wanted to pay for the item immediately through PayPal with a bank account. When I discovered the error, I tried to reimburse PayPal via instant transfer. PayPal would not let me. I had NO option to pay on the unauthorized credit charge. The site told me there was no payment due, despite the fact that it showed the transaction and the debt. It is now 4 days since the transaction and I was finally able to pay off the charge. Today, with no debt due PayPal, I am trying to close my PayPal account. I can not. I manage to locate the CLOSE MY ACCOUNT link ( a task in and of itself ), yet when I click on it, I get a spinning wheel on a white page that says One Moment ... Eventually, I am returned to a Settings page without PayPal taking any action. I am unable to close my account. The company 's process is untenable and unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 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: NC

Complaint narrative:
I had disputed a XXXX acct of {$710.00} which I did not have ownership of. This account was with XXXX XXXX XXXX. This collection agency removed this account off my credit report with XXXX, XXXX and XXXX on XXXX/XXXX/16. On today, XXXX/XXXX/16 I received an alert from XXXX XXXX that I.C SYSTEM is reporting the exact same account-XXXX- {$710.00} to my credit report with an open date of XXXX/XXXX/16 and last reporting on XXXX/XXXX/16. it has been determined that this is NOT my account and never was. This agency is re-reporting this account after it had been removed from my credit report. I am aware that this is VERY ILLEGAL.

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 2016-12-30 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
There was a charge back issue that occurred as a result of my former bank XXXX. XXXX did an intense investigation and found err on their part and returned XXXX back to PayPal 's merchants bank to be placed back into the sellers account. I have sent them proof from the bank that the funds has been returned via the visa network on XX/XX/2016 and posted into pay pal 's merchants bank account. However pay pal is refusing to give the seller the money ( XXXX ) that is due to him after the bank explained it was error on their part and sent the money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23 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: NY

Complaint narrative:
I had an XXXX landline phone account which I had closed around XXXX XXXX. In XXXX XXXX, I get a notification ( in the form of a bill ) from XXXX that the same phone account has been reinstated, without my prior knowledge. I file a complaint with XXXX by calling their customer care representative. I am told that I wo n't owe any amount and that it will be taken care of. 

However, a few months later I got another inflated bill ( without any explanation of the charges on the bill ). I called the XXXX customer care again and they said the same thing that they will take care of the charge. 

In XXXX XXXX, I receive a letter from XXXX collection agency alleging that I owe XXXX for the above mentioned account. When I called the XXXX customer care representative, he mentioned that XXXX can not do anything at this point as the debt has been sold to the collection agency. Hence, I disputed the collection claim in writing with the collection agency saying that I do not owe this amount and I will need detailed documentation validating this claim. I do not hear from the collection agency again. 

In XXXX XXXX, I get a phone call from another collection agency named XXXX mentioning that I owe the alleged debt amount and I should pay it right away on phone or else it will be sent to the credit bureaus. I told them that I am disputing this alleged debt amount and that I should be sent detailed documentation validating the debt amount. They called me again threatening the same thing and I reiterated to send documentation for this debt. There was no further communication from them, either in writing or on phone. 

Now in XXXX XXXX, I see that there is a delinquent entry in my credit report from another collection agency called IC System. I have never heard of IC System before and have never received any communication from them. 

My credit score has suffered because of this entry and I fear that I may not be entitled to a loan or at a better interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I purchased a phone by using Paypal. Paypal says that they will allow you to put in a claim if you have a problem with the company. However, paypal closed my claim without working with my to verify that I sent back the phone. So, I ca n't seem to contact paypal, and get a real answer, and my claim is closed, so I am apparently out the money that I spent on the phone, and I have no phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My paypal account has been put in a negative balance by paypal because another paypal user claimed to have their account hacked and then used to purchase something that I sell online. There were XXXX transactions which amount to almost two thousand dollars. Now, my other paypal account has been limited, and paypal has frozen the entirety of my money. Which includes money I need to live, pay for my prescriptions which are vital to my well being, and just daily expenses. I have provided paypal with enough evidence to prove that the other party involved lied in order initiate a chargeback, and therefore, leaving me with such a large negative balance. I have correspondence between XXXX XXXX and I. There are emails, proof that they were in fact the owner of their paypal account, and screenshots. I provided overwhelming evidence to paypal that they were in fact in the wrong, but they still decided to freeze my funds. Months have passed and they still are telling me that I am required to pay the debt. Not only did I lose my product, but I also lost the money I received as payment for said product. I have called countless numbers of times trying to solve the issue, but paypal will not budge from it 's place of power. I have been taken advantage of the fact that the seller is almost guaranteed to lose a dispute against anyone that starts one against them. I have not been able to pay any bills, eat, or get my prescriptions vital to my well being.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Regional Adjustment Bureau, Incorporated
State: MI

Complaint narrative:
I received a letter from Regional Adjustment Bureau XXXX XXXX XXXX stating that I owed {$7200.00} ( {$4800.00} principal and {$2400.00} interest ) to XXXX XXXX and they were collecting. I have never heard of this company and do not have any unpaid loans. Upon calling to inquire I was told that this was a student loan of my daughter 's that I had cosigned on from XXXX XXXX XXXX University in XXXX where she attended in XXXX. She has not had anyone contact her from this or any other collection agency and is currently making payments on her student loans monthly.RAB Inc told me they did not have to contact her because I was a cosigner of her loan and I was responsible for paying. This is the XXXX I have heard of this issue and it seems shady to me since it was over XXXX years ago and no one has contacted me about it or contacted my daughter. She is paying her loan so this seems like a scam of some sort.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: IL

Complaint narrative:
My lender told me i was approved on my home loan 2 weeks before the closing was scheduled so my lawyer did not renew the contingency contract since we believed we were approved. The lender moved the closing dates 2-3x & then finally, 2 days before the closing date he told us that our loan got disapproved & that he will restructure & he convinced me to pay higher rate because i was disapproved from the FHA loan we were trying to apply. So now the earnest money i invested worth {$3000.00} i was n't able to get back since we did not renew the contingency contract believing that our loan was approved. Only to be dismayed to know that he was trying to let us pay for higher amount & mislead us that our loan was approved in the first place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I had transferred money thru paypal to purchase an item for {$200.00}. The seller never sent the item, it 's almost been a month and item never received

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-23 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: SD

Complaint narrative:
paypal changed my account form regular paypal to paypal credit without myapplying for credit, then failed to send accurate statements so I did n't know I owedanything until fees started to add up..with XXXX dollars of purchases the bill isXXXXXXXX in 5 months ... when I called to complain I got the run around.. no resolution

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-30 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.C. System, Inc.
State: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered that items were furnished that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware there is a debt from but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the XXXX law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 XXXX, to protect my privacy and medical records from any third parties. I do not recall giving permission to release my medical information to a third-party. I am aware that HIPPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is two-fold and as follows, Validation of Debt, and XXXX authorization. 
1. Please provide breakdown of fees including any collection costs and medical charges 2. Provide a copy of my signature with the provider of service to release my medical information to you. 
3. Cease any credit bureau reporting until debt has been validated by me. 
4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any medical provider can be perceived as a XXXX compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. 
XXXX. ACCT NO. XXXX - BALANCE {$760.00} XXXX. ACCT NO. XXXX - BALANCE {$780.00} XXXX. ACCT NO. 898205 - BALANCE {$1000.00}

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 2016-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Credit Service, Inc.
State: CT

Complaint narrative:
ARA continues randomly harass my family. Talking to my mother in law and others not authorized to speak to. They call and say I owe money from an old XXXX account. I have never had a debt which went to collections or charged off. I contacted XXXX who has granted me a large mortgage and credit cards after this supposed charge off. They could not find any account which was EVER delinquent in my name or social security number. It has been ongoing for years. ARA threatened in the past to contact my employer and want to serve papers. They also are now using a fake caller ID which says XXXX. They also continue to check my credit report without authorization so that they can get my new phone numbers and address. In any event I told them to serve me papers to settle it in a court of law in connecticut. They have been also made aware that even if I did owe money ( which I do n't because I never opened this account or was late ) it would be well beyond the statue of limitations in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL

Complaint narrative:
I am receiving attempts to collect from a company ( XXXX XXXX XXXX , XXXX ) I am not aware. In addition, the company ( Onemain Financial , Inc ) is listed, as the original creditor, I am unaware. I need to prove from XXXX XXXX XXXX that are attempting to collect a fraudulent debt. I need to see an original contract signed by me. I am know that I have never signed a contract with either of these companies. I have looked through my personal paperwork ( contracts signed from XXXX ). I have no records of a contract by me with XXXX XXXX XXXX or Onemein Financial. XXXX XXXX XXXX has been report erroneous information to the crediting reporting agencies of a " bad debt. '' If XXXX XXXX XXXX has proof of debt with my signature, I want the company to produce that information. As a now, I receiving notices from a them and I have no idea who they are and what " debt '' there attempting to collect. If this attempt is legitimate, I sure the company will comply and produce the original document establishing a " debt ''. 
This is an attempt to establish if this is a valid attempt to collect because I have no knowledge of these companies and signing any contracts with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-09 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Dear Sir/Madam, Paypal is holding my funds in these accounts hostage since XXXX XXXX, 2015. My personal account has {$5500.00}, and my business account has {$9400.00}. The pretense of limiting my account was high level of risk. The matter of fact truth is that my accounts have never had any disputes, claims, or chargebacks. Their holding my funds is nothing but malice, and was done in bad faith. It is unreasonable and should be illegal. So far all my contacts to Paypal only resulted in either no reply or nonsense form-letters. 
I am asking for you intervention to:1 ) Order Paypal to release the funds to me immediately without any further delay ; 2 ) Order Paypal to pay interest at 10 % or the highest rate Paypal pays to its lenders to compensate me for locking up my funds ; 3 ) Declare Paypal 's XXXX-day holding period illegal. 
Thank you very much for your prompt assistance on this matter.

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 2016-08-23 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Evergreen Financial Services Inc.
State: WA

Complaint narrative:
i was not aware of a debt that i am being garnished for. no proper communication to aknowlodge my 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 2015-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivable Asset Management
State: TX

Complaint narrative:
not sure what this company Kramer and Associates is trying to collect from me but they are calling my employment and family and friends.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17 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: Trident Asset Management, L.L.C.
State: NJ

Complaint narrative:
This is not mine cause if it was i would not have XXXX under my name now and my bill with them is completely up to date!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
I bought an extended service contract through a XXXX dealership and the cost was added to my monthly payments with Ford Motor Company ( FMC ). My payment schedule is as follows : First XXXX months : XXXX Next XXXX months : XXXX XXXX final : XXXX As you can see, the length of the contract is XXXX months. I have made XXXX payments to date. I canceled the extended service contract because it was essentially worthless in that the vehicle would have to blow up before they would do anything. I have uploaded a copy of that contract for you to review. They have canceled it and sent the refund to FMC which I have NO disagreement with. 
I called FMC on XXXX/XXXX/16 and spoke to " XXXX. '' I was enquiring about the refund because I had n't heard anything. She advised me that I had XXXX payments left and the refund was applied to the principle. So, my balance was at that time {$29000.00}. I have no new contract that shows a refund and how it 's applied. The contract I still have says I owe a total of XXXX payments for the above amounts. 
It 's simple math. If you divide {$29000.00} by my payment amount of XXXX, that leaves a total of XXXX payments. My payments should be XXXX for the remainder of the contract without the last XXXX months ' amounts of XXXX and XXXX. Someone needs to redo my contract and give me the proper credit in writing because I 'm liable for the amounts stated in the original purchase agreement. Both XXXX and FMC have refused to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: VA

Complaint narrative:
I leased a car from the XXXX XXXX in XXXX, Florida and the manager told me that I could return it at the end of one year and negotiate a different lease with Ford Credit and pointed to XXXX cars in his lot that he stated were returned prior to the end of their lease and just after one year and that it was acceptable to Ford Credit. 
I returned with my car on month eleven to discuss with the dealership and they referred me back to Ford Credit who informed me that they did not negotiate any leases and the manager had no right to make that statement to me. 
I returned the car and Ford Credit pursued me for a judgement and stated that they took the car to a wholesale auction and let it go for a very low amount and obtained a judgement against me for approximately {$22000.00} plus legal fees and interest. If I had continued to pay the remainder of the lease then I would have paid less than {$19000.00} and I am currently looking at a payoff about after negotiating with a collection attorney ( XXXX of XXXX, Florida ) for {$25000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-22 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Mandarich Law Group, LLP
State: CA

Complaint narrative:
I have been receiving collection letter from mandarich law group for over four years trying collect on a debt that I do not believe is mine and even if it was mine statue of limitation on it has passed. even though I have been asking for debt validation on this account I have not been receiving no information on it. Also every time I look at my credit report I see illegal credit inquiry by mandrich law firm. What mandrich law firm is doing harassing me by their tactics to lower my credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Financial Credit Service, Inc.
State: TX

Complaint narrative:
I 've gotten repeated calls from a blocked number. When they leave messages. they note I need to call a particular number for any additional questions or concerns. I generally ignore the calls, having been through this scare tactic several times. The messages say they are with the XXXX XXXX for XXXX XXXX and they are preparing to process me on grounds at my place of employment or my residence. They also threaten to contact my HR team to learn the " process service '' protocol and work to garnish my wages. They go so far as to actually contact my XXXX XXXX department but upon a return call, they note they simply want me to call them back. If I do n't respond the way they intend, they escalate and the calls become more persistent. The messages more threatening. The guy even told me to contact my XXXX office with him on the line. I spent a good portion of my business day yesterday dealing with these scam artist and I 'm tired of it. I asked them to stop contacting my place of employment but she advised she would continue to do so because she has a legal matter to handle with me. This type of harassment needs to be stopped. It will eventually cost someone their employment. Then, no debts will be repaid.

Company response to consumer: Closed with explanation