vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-09 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: Uber Technologies Inc.
State: WA

Complaint narrative:
I signed up with XXXX, last year in XX/XX/XXXX. I was introduced to begin leasing with their partner, X-change Leasing. In the beginning, the lease program they offered to XXXX drivers was that all credit level can apply because no credit check was required. Only a clean driving record with a decent background were the requirements. I passed all of the requirements and went to their XXXX dealership in XXXX XXXX and got preapproved to lease a XXXX. The terms of the contract were quite simple to understand and the option to surrender the car even if the lease term was n't completed was possible. After driving for Uber in the state of XXXX, I relocated shortly thereafter. I relocated to XXXX state and did notify X-change Leasing that I moved. In XXXX XXXX, I had difficulties trying to get X-change leasing to send the proper paper works for tags and registration of my car. This process took over 2 months and I had to pay weekly the lease amount of the car out of pocket and driving for Uber seemed near to impossible without getting my tags switched to the current state that I now reside. However, the car was finally approved to drive for Uber after getting the tags and registration. Also, I was notified by X-change Leasing that my weekly lease payment will increase to an extra $ 80 monthly. I will provide the break down amounts below when I signed up and the weekly costs. XXXX {$160.00} weekly/ 36 month lease term ; XX/XX/2016 new price increase {$200.00} weekly/ 36 month lease term. I had difficulty driving the Uber to have my earnings cover the new price fluctuation of $ 800 monthly. Therefore, on XX/XX/XXXX, I notified X-change Leasing and Uber that I bought a new car and would like to surrender the XXXX. X-Change Leasing said it was no problem to surrender but I will be responsible for the repossession charges and if there was a balance remaining onto the account. Furthermore, on XX/XX/XXXX, X-Change Leasing sent a repossession company to recover the XXXX and I requested that an invoice of any charges be sent to my address. I had a new vehicle that I purchased and Uber certified it to begin driving. I noticed that my weekly earnings were deducted for X-change Leasing in which I thought was an error therefore, I contacted Uber inquire why was X-change Leasing extracting my all of my Uber earnings? Uber had no knowledge as to why this was happening and told me through email correspondence to call X-Change Leasing. I was told by X-change Leasing that I owed over {$2200.00} and that is why Uber is extracting the monies to pay it off. I demanded an invoice and explanation of charges but they have refused to send anything. I smell a rat and with other fraud allegations by other consumers against this company, I believe fraud is occurring in this matter therefore I am reaching out to various agencies to investigate X-change Leasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I have called Paypal no lie over 30 times and have been placed on hold anywhere from 20 mins to 3 hours at a time with no check backs. I opened a dispute or XXXX the wrong way. I have since resolved all issues with the individual companies from XXXX. There should be no disputes currently opened with paypal. I have called ever since and they laugh at me, do not treat me like a person for complaining against them. It is now hurting my credit and I ca n't use paypal. I just called again today, please pull the call records, I have them from XXXX. I am calling from XXXX to all numbers I have to paypal, repeatedly they refuse to service my account fairly. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
PayPal has issue me a debit card MasterCard which is issued by XXXX. PayPal states that this is the only " instant access '' to the funds in my account. When I try to use the debit card, I get a decline with every transaction. I then have to call into the PayPal debit card department and they will temporarily fix the issue. Each call to PayPal takes approximately 30minutes. And with each call I am informed that there is not fix to this problem. I have been told that is is because of receiving funds through paypals payflow merchant processing service. I also took advantage of their working capital loan and they told me it was because I have that money in my account. In either case, they are not doing what they state they do, they are not allowing me instant access to my funds. Sometimes I get a decline message only to call their debit department and find that they are closed for the day. Which leaves me stranded with no access to my funds. 
The interesting part is that they block me from my own funds even when I attempt to use the PIN number yet when my loan payment is due they always are able to automatically withdrawl their payment from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
Hello, On XXXX XXXX, XX/XX/XXXX, I sent payment via Paypal in the amount of {$750.00} to XXXX at XXXX XXXX for aftermarket XXXX XXXX automotive headlights. XXXX 's company is located in XXXX, XXXX. For months, I contacted XXXX via XXXX messenger regarding the status of my order and why my item has not been shipped. XXXX has continuously promised that my XXXX would be shipped out XXXX, XXXX, XXXX, XXXX of XX/XX/XXXX and XXXX, XXXX, and XXXX of XX/XX/XXXX I have received nothing but excuses and failed promises. I have all records of my correspondence with this seller. More than XXXX, I have asked for a refund. He did not respond. My XXXX attempt to contact the seller was XXXX XXXX. He has still not responded. Unfortunately, Paypal will not let me dispute a claim regarding this transaction. {$750.00} was withdrawn directly from my checking account and sent via Paypal to XXXXXXXXXXXX. His company website no longer exists. His phone number listed on my Paypal website is XXXX. His " Customer Service URL : http : XXXXXXXXXXXX. His " Customer Service XXXX : XXXXXXXXXXXX.

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 2015-03-30 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
For CFPB & PayPal Inc, Thank you for deciding to read this message to help me out in regards to a indefinite suspension which was Issued on my servicing account with PayPal. 

On XXXX XXXX, PayPal decided to manually overview my account and believed it was best to finalize my partnership. This was due to a possible violation which may have happened on my account. The permanent restriction was placed on my account causing {$1000.00} to be held at my expense. 

The concern was that I was believed to infringe the rights of copyright holders when processing my sales with PayPal. After contacting agents to overlook the decision by phone and email, my request was denied. 

The reason being is that the items I sell are not fake. They are legally obtained through liquidations. I have been selling for over 5 years now, never having a problem with any brand owners regarding copyright infringement. We have now started drop shipping from our exporter for Almost two years with PayPal, coming to around XXXX satisfied eBay customers due to our exporters expertise in shipping within handling time, while providing items that are known for there authenticity. 

As a last reminder, please note that we have never had to a case opened under the counterfeit category with PayPal. This assures that we as a business never had any related " counterfeit '' problems with PayPal until this indefinite restriction came in place. 
Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
my mortgage company failed to pay my county taxes for tax year XX/XX/XXXX in XX/XX/XXXX. So the XX/XX/XXXX taxes and the XX/XX/XXXX taxes were on my XXXX XXXX. This caused my itemized deductions to be too high and I ended up hitting XXXX and lost about XXXX in refunds. Because they paid the XX/XX/XXXX taxes in XX/XX/XXXX The escrow analysis for XX/XX/XXXX was not correct. The escrow analysis for XX/XX/XXXX showed a shortage of {$6.00}. The escrow analysis XX/XX/XXXX shows a shortage of {$4200.00} this is due to escrow not being calculated correctly for XX/XX/XXXX and was carried over to the XX/XX/XXXX escrow analysis. All the taxes were paid in XX/XX/XXXX but the amounts were not update in the escrow analysis. Basically I am playing catchup for XXXX years.

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 2015-10-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A.
State: IN

Complaint narrative:
I have a home loan with Flagstar Bank.I got behind on my payment.I was told to ask for Help from The Loss mitigation Dept. They assured Me They would Help. I did everything asked of me to Help with the modification.after a year of mailing check stubs and Bank statements.I was told they lost my File and I had to start over.I had no other Choice but to resubmit All the papers again.I called almost every day Worried about loosing my home.They kept reassureing me everything will be ok.They told me my Payment would be Modified so I can afford my Payment. There was no Modification to lower my payment actually they added to Payment.It took almost 2 years to get a modification. They wouldnt accept any house payments to provent from falling further behind. So I was 24 months behind when they finally told me a Quailfied for a Modification. If thats what you would call it.When this all started I owed XXXX on my home After the Modification I owe XXXX {$.00} I was told they would put all the payments I was behind on the Back of my Loan.Then how did my Balance Increase by XXXX $ .I now owe more than my house is worth. So I cant even refinance and try to get a lower Payment. I had to file Chapter XXXX just to save my home. I am in a bad situation Owing more than my home is worth.I feel I am being set up to Fail and lose my home. Please Help me Find JUSTICE

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
I have XXXX PayPal accounts. PayPal restricted both accounts on XXXX XXXX, 2014. They were very difficult to reach. When I did reach them, they asked me to send them some information, which I promptly faxed to them. I called them once again, and they told me they would release my money in 6 months. While I was extremely unhappy about them essentially stealing my money for 6 months, I decided to wait ti out. Now, it 's been more than 6 months, and PayPal will not give me my money. 

XXXX account is XXXXXXXXXXXX. I has {$830.00} in it. The other account is XXXXXXXXXXXX. It has {$40.00} in it. 

I would greatly appreciate your assistance in getting my money back. 

Thank you, XXXX XXXX

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 2016-06-29 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
Paypal has in fact tried 3 times to debit my bank account..after i revoked my account information from them. ( because of illegal activity ) and ( fake tracking number from ebay ). also after i did a chargeback with my bank.and paypal refunded my money ... they retaliated against me..by revising my paypal account to show a negative balance and fowarded it to a collection agency to try to damage my credit for a debt i do not owe ... they did this after the fact,, a retalitory action against me for doing a charge back for money thats rightfully mine which they refunded to me ... for a failed ebay purchase in which i recieved a fake tracking number for the ebay item.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A.
State: AE

Complaint narrative:
Since my Financial issues 's back in 2015 XXXX, I have requested Loss Mitigation help twice from Flagstar my mortgage company. My mortgage was {$1500.00} and each Modification that went through only reduce my mortgage {$100.00} to {$1400.00} and i explained to Flagstar that if my mortgage could be reduce to {$1000.00} short term i could get back on track. After only having it reduced to {$1400.00}, i decided to hire a realtor to sell the home and i also advise Flagstar and sent in all letters and third party documents into Flagstar. Flagstar repeatedly never updated my file or shared notes with other customers service people at Flagstar. So every time i called to check on my case either i was missing a document or or my file was not updated. This has been going on for 1 year. Now i requested a Deed In Leu and mailed in all documents requested and i have been met with the same resistance of i 'm missing documents, or they did not get a complete packet and i 'm sick and tired of this run around with this company, all i 'm trying to do to avoid foreclosure is sell the house back to the bank but every time i turn around, I 'm given excuses that my packet is incomplete or i 'm getting letters telling me my packet is incomplete. I need help i just want to get rid of the house from my divorce,.

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 2016-12-20 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
on XXXX XXXX, 2016 i ordered a projector listed on ebay but payed the seller thru paypal directly cuz he was offering a lower price. item was sent n delivered but i never recieved the package.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Cottonwood Financial Ltd.
State: WI

Complaint narrative:
I was and still unemployed on XXXX/XXXX/2016 with unemployment income. Took out a loan with the Cash Store in XXXX, WI on XXXX/XXXX/2016 in the amount of {$290.00} with an interest rate of 519.98 % {$540.00} in finance charges.They have been blowing my phone up at least 2 or 3 times a week 3 times in a row. I have not attempted to pay back due to the ridiculous high finance interest rate and I ran out of unemployment income before the loan contract ends what can I do.

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 2015-11-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: AMERICAN PACIFIC MORTGAGE
State: CA

Complaint narrative:
I 'm not able to get a clear explanation on how the Loan Calculations are computed on page XXXX of the Closing Estimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Cottonwood Financial Ltd.
State: IL

Complaint narrative:
I have advised the Cash Store a few times that I have spoken with an attorney but due to the holidays, I will not hear from him until Monday. Cash Store called me XXXX a day even though they were told by me that I work during the day which is XXXX Monday through Friday. I just started this job on XXXX/XXXX/15 and I am still on probation until XXXX, therefore I ca n't just working to answer their calls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
I paid this debt XX/XX/XXXX to Holloway Credit Solution, LLC, the same day I was contacted, I open this account in XX/XX/XXXX. On XX/XX/XXXX, Holloway Credit Solution LLC, call me from this number XXXX, threating me about she had the papers coming to my job, after that did not work, they found this old collection and placed it on my credit report, causing me to lose XXXX points off of my score. I did disputed it but it is still remain as fact. XXXX reporting

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Threatened to take legal action
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
XXXX, the supervisor at XXXX threatened me directly in regards to my auto loan. I have been fighting this with Hyundai, but agreed to pay $ XXXX/mo in the meanwhile. XXXX would not accept the payment and proceeded to tell me multiple times in the call " you will see what Hyundai is capable of doing to you '', making me feel threatened, vulnerable and extremely uncomfortable. He brought up legal action- whereas they are NOT a law firm but a collection agency.

Company response to consumer: Closed
Consumer complaint received 2015-05-02 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CREDIGY USA CORP.
State: CA

Complaint narrative:
A company I worked for had a business credit card account with XXXX Bank XXXX for 12 years. After 12 years of never reporting this information on my credit report, XXXX reported the account as a charge-off on my personal credit report in XX/XX/2015 without advising me first. I had never even opened the account. The Company paid and closed the account in full and XXXX and their collection agency indicated the information would be removed from my report or showed as Paid In Full with no derogatory information. The account now shows as paid but is reporting as derogatory still despite several calls and assurances from them this would be taken care of. I have exemplary credit besides this and it is impacting my credit. XXXX claims they have reported the information to XXXX correctly yet XXXX has not updated and will not provide any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
This account should it be pay by the loan unemployment insurance and they did n't and end it reported in my credic files

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: RAB PERFORMANCE RECOVERIES, LLC
State: NJ

Complaint narrative:
I received a summons from RAB performance and I answered, paid the money and went to court when I received the court date. No one ever showed for this company and the judgement was vacated. It is still pending on my credit file and I am unable to obtain a mortgage. I am a single mom trying to provide a better life for my son. This has stagnated me. I am not even aware of the company XXXX any dealings hence me going to court to find out more. Please help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 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: Holloway Credit Solutions
State: GA

Complaint narrative:
I revived from collection about debts that the XXXX XXXX has place for collection of XXXX and will place the debt on credit history, which so false from property management company. I do owed this debt..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 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: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX

Complaint narrative:
I attempted to purchase electricity from XXXX XXXX after they confirmed my eligibility and paid a deposit of {$220.00}. The next day I was informed that they could not provide me power in my location. I spent the next 9 months attempting to get my money back ( several phone calls a month ). I eventually went through the credit card company I used to pay for the deposit to get my money back. They immediately charged my card again, plus {$25.00}. I went back to calling them but could not get any answers. The best I got from someone was that 'I never paid them a deposit to begin with '. He could not explain the fact that I had a credit card bill that said differently. I went through the credit card company yet again, and this time changed my card number and went through all of the hassle that that entails. 2 months later I began receiving electric service cutoff notices with varying amounts owed ( bear in mind they were never able to provide me power in my area in the first place ). After about 6 months I was informed that they had sent me to collections for, from what I could tell, an arbitrary amount of {$60.00} ( they never could tell me where the extra {$25.00} came from or any other charges ). After another several months, I have finally gotten them to drop the case. By now, my credit has been significantly affected. I am still trying to go through the bureaus individually in hopes of fixing this issue.

Company response to consumer: Closed with explanation