vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-08 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
Google Wallet wo n't transfer my balance ( {$1400.00} ) to my bank account, despite multiple verifications and transfer request forms. They claim to have suspended my account due to terms of service issues, but will have to at least release my funds, wo n't they? Multiple attempts to resolve it with customer service lead nowhere, each thread gives new and conflicting information. Telephone and chat service are disabled. Online research reveals that numerous people are in a similar situation which is surprising given Google 's otherwise great reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
While PayPal states : " PayPal Purchase Protection covers all your eligible transactions. So if your order is a no-show or does n't match the description, we 'll help you get a full refund. '' My item was a no-show and also did n't match the description of when it would arrive, yet I have had no luck with PayPal Customer Support. 

I filed XXXX separate transactions with PayPal over a month ago. I have spoken on the phone with PayPal Customer Support XXXX separate times about the disputed transaction, and am not getting anywhere with it. The seller has also quit responding to all of my emails. I am about to close my PayPal account, but am first waiting for a proper resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-08 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: HI

Complaint narrative:
I have received XXXX emailed bills from " PayPal Credit '' 'Pay me later '. I never signed up for any account with " PayPal Credit. '' On XXXX XXXX, 2015 they emailed a bill for what may heve been a legitimate charge from my regular PayPal account, but they were unable to tell me what the charge was for or who made the charge. Today I received another bill for {$24.00} for " late charges '' on this account which was closed and paid in full on XXXX XXXX. I called them to inform them that I never applied for an account, did not want XXXX, and closed all activity on XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-08 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Evergreen Financial Services Inc.
State: WA

Complaint narrative:
We have a medical co-pay being billed to us that was paid via debit card at the time of service. The date of service was XX/XX/2016 for XXXX. It was a charge for my daughter. The hospital kept trying to collect this from me multiple times. Each time I would get a letter I would call the hospital and they said " they would work on it ''. Well almost a year later I get a letter from Evergreen Financial Services saying to pay the {$30.00} dollar co-pay or get a judgement. I was mad to say the least! I sent in a copy of my bank statement showing the amount debited from my account on the day of service from their client. I called back to see if they received the proof of payment and now they have to talk to the client to make sure this is ok? I paid this money. I have proof! That should be the end of it!!! This is so unprofessional I do not know what to do. So this is the action I am taking. I will keep fighting this! I know it is only {$30.00} dollars, but it is about principle now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
PayPal has " simplified '' their PayPal Credit process to the point that it 's very difficult to understand that XXXX is applying for credit. I was assessed a {$25.00} late fee on an account that I did n't even know I owned! They cite terms and conditions ... but the real issue is that their process is so frictionless that it 's hard to know it 's there ... .it 's not about T 's & C 's. I have closed my credit account ( and my wife closed hers ), and filed a complaint with them. But it seems to me that the seedy operations for which you have already fined them is continuing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc
State: AE

Complaint narrative:
I would like to report PayPal.com for unscrupulous business practices. In XX/XX/XXXX, I used my PayPal account to pay an individual for a musical transcription service. As I was finalizing the transaction, a confirmation window popped up. As in the electronic age, these windows routinely pop up to confirm a transaction, I clicked " OK '' without reading the full length of the text. As it turned out, it was a window asking me if I wanted to open a PayPal line of credit. I was upset when I realized what had happened, and found out today when checking my credit report that the situation is even worse than I thought : with this simple click of a button, PayPal performed a hard credit inquiry ( using the personal information I had to provide when I first set up the account long ago ). This confirmation window strategy was clearly designed to prey on consumers, and it works. Now the hard inquiry has brought down my credit score. I hope you will pursue this to ensure that PayPal desists from this sort of borderline scam activity. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I am an attorney so I know the law of payment systems and I know a law was broken here. I went to a merchants website and hit the " go to paypal '' button. When I logged into paypal, the payment company transferred money out of my bank account and into the merchants account. This was done without my consent and no authorization occurred. I contacted paypal within the hour and paypal considers it a valid transfer even though I just logged into paypal without authorizing a transfer. Paypal calls this the new, improved " XXXX XXXX '' service where it make a fast and instant transfer without the usual customer review and consent. I want my money back of course but - more importantly - for paypal to stop this new practice of money transfers without consent or authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-24 00:00:00
Product: Money transfers — International money transfer
Issue: Incorrect/missing disclosures or info — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I used PayPal to send {$1500.00} to cover a {$1500.00} plus PayPal Fees. When paypal sent notification of the payment, I learned that I did not send enough to cover XXXX fees. I I called the PayPal customer center within 6 minutes of the transaction to cancel the transfer. Note : In the confirmation email sent to my by PayPal they stated that you can cancel within 30 minutes ( Need to cancel? 
You can cancel your payment within 30 minutes as long as the recipient has n't received the payment. For a full refund, see the transaction details and select Cancel, or call Customer Service at XXXX. ) When I called the customer service number provided they informed me that no matter what the email states, I could not cancel the payment. 
PayPal gave me a false sense of security by stating I had up to 30 minutes to cancel and when I called 6 minutes from the transaction they informed me that no matter what was said on the email confirmation they could not stop or cancel my cash transfer

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Contacted Bank of America Credit Services prior to departing the country on XXXX/XXXX/2016 to inform them of a change of address. I will not have a physical address in the U.S. for at least the next 6 months. I have established a P.O. Box with the USPS and set mail forwarding to begin XXXX/XXXX/2016 when my lease terminates at my prior U.S. physical address : XXXX XXXX XXXX, XXXX, XXXX XXXX. I am out the country for work-related tasks. 

I informed Bank of America of all of this and gave them my P.O. Box which will be in use for at least 12 months as per prior agreement with USPS. However, today I was unable to finalized a XXXX transaction using my P.O. Box address and instead had to use my prior physical address to finalize payment with my credit card for a bus ticket for work-related travel from XXXX XXXX, XXXX to XXXX XXXX, XXXX where I will be staying for approximately 6 months. 

When I logged in to Bank of America Online Banking, no P.O. Box was listed so I manually added it myself, but was unable to switch my primary address from XXXX XXXX XXXX, XXXX, XXXX XXXX to my new P.O. Box address. I then called Bank of America Credit Services and was told that this was a non-issue and the P.O. Box was listed on my account. I responded that of course it was, because I had just added it. However, this did not resolve the matter with not being able to change the primary address associated with the account. 

I informed XXXX ( from XXXX ; only identifying information I was given ; Supervisor named XXXX XXXX ) that I did not want to be transferred to Online Banking nor a supervisor. I considered the matter to be closed as this was my second attempt to inform Bank of America in a timely and efficient manner of my change of address and travel/work-related needs. As the provider of my financial services, I informed XXXX that herself, her supervisor and their employer would be held responsible for the security of my personal information and the security/integrity of my financial information. No information should be sent from Bank of America to my prior physical address : XXXX XXXX XXXX, XXXX, XXXX XXXX after the effective start date of my mail forwarding service with the USPS on XXXX/XXXX/2016. 

I am filing this complaint because XXXX was unable to give me a definitive answer abou the resolution of the update to information in Bank of America 's system in regard to my primary address, as well as the fact that she negated or disputed whether or not the facts of the matter were as they are. Indeed, Bank of America 's online account information still lists my prior physical address in the U.S. as my primary address. I also informed XXXX that if I had any further issues with finalizing financial transactions due to lack of recognition of my P.O. Box that I would file as many additional CFPB complaints as necessary to resolve this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I had a business account with PayPal, which I used as a credit card processor and had a Debit Mastercard to access funds. My account had a negative balance on it, which is why they would keep any funds transferred on to that account. However, after a short time and without any notice sent to me, I was no longer allowed to login to my Paypal account. When I follow the website 's prompt to I contact them via email, their website requires me to login. Furthermore, because of this problem, I am unable to access my financial data for FY 2015 and any necessary documents or information for my tax filings.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: CrossCountry Mortgage LLC
State: TX

Complaint narrative:
We had talked with a lender and applied with him. We used his specific guidance on a quiz for down-payment assistance, and filled it out exactly as he said we needed to. After we were pre-approved for the loan as well as the down payment assistance and already under contract on a house, he called and said we did not qualify for the down payment assistance, but said he could go ahead with the loan. He had promised and reassured us numerous times that it was good to go before submitting an offer on a house. He never could put together a good-faith estimate, nor any other details as to costs, closing or otherwise. When we asked for explanations for anything, his responses were short and lacking detail and never really answered our questions. He was never able to supply information on any costs related to the purchase of the home, only a guess at what our monthly mortgage payment " may '' be. Somewhere during this process he switched companies but never notified us of the change, only a new email. We decided to go with a trustworthy lender and fired him from our contract, and hope no-one else has to go through the XXXX of his incompetence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 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: I.C. System, Inc.
State: AL

Complaint narrative:
XXXX certified letters within a 60 day period to I.C. System, Inc. has failed to provide the following requested information to validate alleged debts:1. Signed credit applications between myself and the original creditor2. Copies of all signed vouchers from the date accounts opened until default3. Copies of all statements from the date accounts opened until default4. Proof of the statue of limitations5. Proof of agreements that they were hired by the original creditor ( creditor as defined by the FDCPA ) or6. A copy of the contracts I.C. System, Inc. purchased the alleged debts7. If the alleged debts were purchased, provide a copy of agreements between I.C. System, Inc. and myself, signed by me, stating that I have a contractual responsibility to I.C. System, Inc. for the alleged debts8.Provide proof that I.C. System, Inc. is bonded/Licensed for debt collecting in the state of AlabamaBy failing to provided all of the information that was requested on my behalf, the disputed claims are now considered invalid and all collection efforts must be stopped and the accounts must be deleted from I.C. System, Inc. I.C. System, Inc. can not validate their claims, therefore they can not, by law, collect on it, or sell it to another collection agency. Also, reporting debts to the credit reporting agencies that can not be validated is a violation of the FCRA ( Fair Credit Reporting Act ), and carries a {$2500.00} fine. Please advise I.C. System, Inc. of their infractions and that the alleged debts must be removed from their account immediately, and they also must be removed from all credit reporting agencies.Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I paid a service provider {$2200.00} through Paypal. The " seller '' aka contractor, declined the money on XXXX XXXX ( same day it was sent ) because it was a 21 day hold to receive funds. So once the Seller declined, and funds never touched their bank, it was expected they would be returned to me. However this was not the case. It took until XXXX XXXX to receive funds after 3 phone calls and long conversations. Paypal refused to release my funds saying they were doing this to protect me. There was nothing requiring protection, however. I simply had money debited and Paypal simply held onto it. After getting a supervisor on the phone they released back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: WY

Complaint narrative:
Refinanced a loan with Freedom Mortgage approximately 5 months after buying our home. We got a letter from them stating we were eligible for a VA Streamlined refinance that would not extend the term of the loan, as well as " no out-of pocket closing costs ''. An estimated closing date for the refinance was XX/XX/XXXX. We mailed a partial unapplied payment of {$530.00} just in case we did not close on XX/XX/XXXX and would have to make a payment on XX/XX/XXXX. Called and spoke with customer service to see if closing date was firm, it was, and then asked if our balance sitting in unapplied funds of {$530.00} would be applied towards our new loan. She said yes. None of these events actually transpired. Our original maturity date of XX/XX/XXXX changed to XX/XX/XXXX. Our {$530.00} was incorrectly applied to our old, now paid off loan. We have spoken to employes in customer service two more times about getting the {$530.00} applied towards new loan and were told it would be taken care of. Still has not been corrected as of today, XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
There has been fraud and robo-signing going on with the companies that handle our note and Deed of Trust! A complaint will be filed with the CFPB and other agencies in the near future regarding this issue. We are requesting the following information to complete our investigation before we file the fraud and robo-signing complaint with all supporting documentation including a third party investigation, with federal and state agencies! 
Now ; we send our monthly mortgage payments to Ocwen Loan Servicing, our servicer. Our trustee is XXXX XXXX XXXX. Again, I am requesting the following information in writing with documentation! 
First, provide documentation on who Ocwen Loan Servicing sends our monthly payments too. 
Second, provide documentation of when ( dates ) Ocwen sends our payments. 
Third, provide documentation of how much ( amount ) Ocwen sends each month. 
Forth, If Ocwen sends our monthly mortgage payments to XXXX XXXX ( our trustee ) as suppose to be, then Ocwen Loan Servicing must request additional information from XXXX XXXX! 
Fifth, has XXXX XXXX XXXX kept any of the funds that have been received by Litton and Ocwen Loan Servicing since 2006? 
Sixth, provide documentation on which investor did XXXX XXXX XXXX send our monthly payments too going all the way back to XXXX XXXX XXXX, our original lender on XXXX XXXX 2006. 
Seventh, provide documentation on how much did XXXX XXXX send each month to the investor? 
Eighth, provide documentation of the dates when XXXX XXXX sent the payments? 
Ninth, provide documentation on the type of payment sent to the investor? ( check, electronically, ETC ) Be warned, do not add any other information with in your response other than what is requested with in this complaint, otherwise more complaints will be filed against Ocwen Loan Servicing!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc.
State: PA

Complaint narrative:
1 ) I have been in my home for over 25 years - 2 ) have been behind and some catch up payments have been made - 3 ) Each month when I call to make my payment I am told I owe thousands in late fees I argue and pay around {$420.00}. 4 ) Do not have a payment book or any consistent payment statement sent to my home monthly. 5 ) Strangers have come to my home verifying that I live there - when I call the office I have been told " you signed an agreement and are being charged for the person to observe your home '' - I have never signed anything with this current mortgage company. 6 ) Principle remaining on the house is & lt ; {$15000.00} and the interest rate is 9 % and my monthly payments are relative low around {$350.00} plus their added monthly fees and additional late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I wrote a letter in response and follow up to a phone call I had made to a representative of Pay Pal and was instructed to send Pay Pal a letter documenting a complaint that I felt borders predatory practices. 

" On Monday the XXXX day of XXXX, I was asked by a property management company if I would sign up for a pay pal account to pay an invoice they had prepared for me. It did not appear to be that big of an inconvenience, and thought in doing so, I may use from time to time when vacationing via XXXX, to pay for stays seeing it is widely used throughout XXXX. After joining, I paid a small invoice and thought nothing more about until I received a letter dated XXXX/XXXX/2015, stating I had been denied credit. I know that I had not requested any credit cards with pay pal, or any other type of credit, I became alarmed that someone was using my information that I provided when joining pay pal and quickly called to cease any malicious action on my behalf that may be occurring. After speaking with the pay pal representative and her looking over the online correspondence, it appears, from her account that I entered the last XXXX of my social thinking that it was part of signing up for a pay pal and inadvertently requested credit on my behalf, which I most certainly was not aware of! She told me that this is a common mistake and to write this letter. With that said, I feel that the way in which the credit is presented appears to be consistent with the remainder of a pay pal account, and most definitely not a third party/bank ( XXXX XXXX Bank ) soliciting and extending credit. I believe it is predatory in nature and a reputable company such as pay pal should remove immediately and or make VERY clear what the nature of the pop up window is. 

I kindly request that pay pal remove any and all request for credit off my credit report. 

Thank you in advance for your cooperation. 

Sincerely, XXXXXX '' Last XXXX of SS : XXXXDOB X/XX/XXXX

Company response to consumer: Closed with explanation