vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-26 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I have a Paypal account and Paypal Credit. I have logged into Paypal several times to have it default payments to XXXX of my credit cards but when I use PayPal to purchase something it always defaults to Paypal credit and I have to go to the extra step of changing it to my credit card. Several times it did n't give me the option of changing it. Today I received a phone call saying my Paypal Credit was past due. I never received a statement either by mail or email from them saying I owed money. I do get an email from Paypal, but it always says I have a {$0.00} balance. I called Paypal today to find out what was going on and got no satisfaction. When I told them I wanted to close my Paypal Credit account I was told I would have to pay a {$35.00} late fee in addition to a {$64.00} account balance. I think that this company is dishonest and deceptive in their dealings with me. I believe that they do this to all of their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-08 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Paypal Holdings, Inc
State: ME

Complaint narrative:
I somehow got multiple paypal accounts with XXXX different emails but the same social security. I was signed up for the credit portion billmelater AKA paypal smart connect. I was not informed that I had a XXXX credit card with paypal. I set up payments with my bank for products yet I keep getting calls stating I am late on a payment. I can not find such late payments on the paypal sites even after signing in with each separate email address. I can not figure out how to access the site properly and when I contact paypal via emai they never help other than send me a generic email that does not wnswer my questions. I had set up scheduled payments via my bank account and now it says on paypal that I can not set up scheduled payments until bank account confirmed- WHICH it is confirmed since I have been making payments with this bank account all along. I am confused and I can not figure out how to use the NEW paypal website. I can not access transactions and I believe paypal has made its site confusing just to add late fees and extra charges. I am beyond frustrated and angry with paypal and my accounts are so tangled up and confusing that I do n't now what I actually owe and how to get help from paypal ironing this out. I do not want MULTIPLE accounts and I am tired of getting calls stating I am late when I can not find anywhere on the paypal site nor from my emails that I am late on any payment. Other than phone calls from paypal, I am current on all my accounts. Something is not right and I need help figuring it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
ON XXXX XXXX 2016 I SUBMITTED AN OFFICIAL CHECK REQUEST ONLINE TO XXXX FOR XXXX $ TO BE MAILED TO PAYPAL CREDIT. THE CHECK WAS MAILED ON THE SAME DAY AND CASHED BY PAYPAL CREDIT AROUND XXXX XXXX 2016. I WAS FAXED A COPY OF BOTH SIDES OF THE CHECK THAT WAS MAILED FROM XXXX. IVE HAD XXXX CHECK RESEARCH REQUESTS SUBMITTED AND " COMPLETED '' BY PAYPAL AND THE XXXX $ HAS NOT BEEN APPLIED TO MY ACCOUNT BALANCE. I 'M CONTINUING TO COMMUNICATE MY ISSUE WITH THE COMPANY AS THIS TIME, AND WILL ALSO BE REPORTING PAYPAL TO THE XXXX. I HAVE CLOSED MY PAYPAL ACCOUNT AND WILL PAY THE REMAINING BALANCE DUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I have used PayPal for years, with my charges being deducted from my bank account. I enjoy the convenience of PayPal while shopping online without having to enter my credit card number for each transaction. 
Earlier this year I began receiving emails saying I owe PayPay Credit money. I never knowingly applied for credit with PayPal. I called right away and settled the account, asked it to be closed, and also asked how I ended up with a credit line from them. They were unable to provide a good explanation on how the account was open. 
I have since received more emails saying I owe an additional balance. I assumed it was an error until I received a collection call today. The collectors were rude and demanding. It turns out that I did make purchases that I thought would be coming out of my bank account, as they had before, but instead ended up on a credit line that I had previously closed. I settled the amount of my original charges after finally getting the collector to waive late fees and finance charges. My biggest concern ( besides getting called at work on an account that should never have existed ) is that I still do not know how I ended up with a PayPal credit line, and that others may end up in the same situation. I am responsible enough with my debts to know what I owe and what I do n't. My fear is that others who are less diligent will have accounts open and accrue late charges and interest without ever meaning to. In my opinion PayPal credit was deceptive, if not fraudulent, in how I got a line of credit in the first place. Practices such as this should not be allowed. Now I ca n't use the convenience of PayPal for fear that the charges will again end up as a debt instead of coming out of my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
I signed up for Fan Dual awhile back and choose to pay with pay pal not pay pal credit, which i never knew existed, and the next thing u know it was being paid through Pay Pal Credit ... i did not not choose this type of pay knowing that u have to hit my credit. I have a paypal acct on ebay and it is not a credit acct.Then u can not pay this credit acct thru online pay pal it has to be a bank acct.. this is XXXX .. They said they would let me slide this one time and pay over the phone ... Does this not send up a flag!!! U let me know bacause i will be discontinuing there services!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
XXXX ( XXXX ) has been attempting to collect XXXX USD on behalf of PayPal Inc. since I received a notice on XX/XX/2017. The notice I received from XXXX was back-dated 59 days prior to my receiving it, to XX/XX/2017. The notice from XXXX stated that it was my right to dispute this debt by writing within 30 days of receiving it. 

The same day, XX/XX/2017, I wrote to XXXX, ( 1 ) disputing the debt claimed in the notice, ( 2 ) informing them that the debt was not mine and the result of identity theft documented with the creditor PayPal ( emails attached showing PayPal notifying me of the debt and my contacting them that the activity was fraudulent ), ( 3 ) demanding they XXXX cease communication with me or anyone connected to me by phone or any address other than my home address, and ( 4 ) demanding that XXXX only contact me by certified mail and only with the requested debt and creditor verification to which I am entitled. 

This letter was mailed to XXXX at the correspondence address listed on the notice at approximately XXXX the following morning, XX/XX/2017, as shown by XXXX. According to XXXX, the letter was " Delivered, left with individual, '' at XXXX on Monday, XX/XX/2017. 

On Tuesday, XX/XX/2017, at XXXX, I received a call and voicemail from XXXX. from XXXX +XXXX. Her voicemail said, " This is an important message for XXXX. This is XXXX. from XXXX. This is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose. Please return this call today at XXXX. When calling back, use reference number XXXX. '' Not only has XXXX continued to attempt the collection of a debt resulting from the theft of my identity, but they failed to provide notice of my right to dispute the debt they are attempting to collect, they have tried to contact a third party despite my clear request not to, and they are continuing to contact me in an attempt to collect after they received my clearly written demand to cease communication.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Stearns Ventures, LLC
State: NC

Complaint narrative:
We bought our home in XXXX, 2014. We made timely payments and XXXX of us lost our jobs so we contacted our mortgage company to set up bi-weekly mortgage payments, which was fine as long as the full payment was made by the due date each month. Needless to say, come a few months later, their mitigation department started sending back our mortgage payments stating that our due date was the XXXX, which it was the XXXX, and we never went that further than the XXXX of each month. We needed a loan modification for bi-weekly payments, when in fact, in our mortgage documents at the closing table, we signed up for it in the very beginning, we just decided to make the full monthly payments at the time. No one tried to contact us, mail us any form of loss mitigation form, new FHA streamline refinance options like other mortgage companies were doing. We never heard a word, until a law firm tried to foreclose on our home. We had to take a huge loan out on our XXXX just to keep our home! The law firm told us to contact the mortgage company, mortgage company hung up on us repeatedly. Cussed us out then hang up. It was a constant headache and circle. We do not want this to happen again. Now we ca n't refinance due to this company for months and are afraid this will happen again!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I sold a purse and the buyer opened a case on PayPal 1 month later, saying that the item was not as described ... ... the item was n't returned to me by the buyer. PayPal got my money and I was left without the item and without the money, also PayPal charged me a {$25.00} fee on top of taking my money for the item I sold for {$880.00}. So PayPal got from me {$910.00} ... .please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: NV

Complaint narrative:
I never use XXXX in my live and i never been. Btw i just get my SSN since 2012 so please please respond me at XXXXXXXXXXXX or call me XXXX to discuss this matter. Ty so much

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 2015-05-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A.
State: MO

Complaint narrative:
Hi, my mortgage is held by Flagstar Bank. 
My payment is due on the first of every month. I have ( without fail ) payed this on time every single month via their online payment system. 
They recently changed their site security settings, and I am unable to access their site under any circumstances. I have tried 2 separate browsers, tried multiple security levels ( even completely turned off ). They still wo n't let me access my personal account information. You also ca n't do any kind of password resets or username lookups without having your loan number valid. 
That 's not something I keep handy. I do n't keep paper statements. They are all right there nice and " handy '' on their website. Except they are not now. 
I 've spent over 2 hours this evening attempting to log onto their website just to pay my darned mortgage. This is extremely unreasonable. The website suggests calling their 24-hour hotline if any issues -- but it 's not 24 hour with the customer service representatives. Just a touch button system that requires -- you got it -- your mortgage loan number ; which if you remember correctly I stated I do n't keep a copy of. 
This kind of service for someone just trying to pay their bill is ridiculous, and something needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
My client whom I have POA for has been signed up by Paypal for a credit card that she did n't want and has had to pay a late payment. We want the card cancelled and the late fee refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A.
State: MO

Complaint narrative:
We purchased a new home on Friday, XXXX XXXX and decided not to use the same financial institution to handle our new mortgage. Flagstar Bank held the mortgage on our existing home. The title company wired our payoff on XXXX XXXX. However, as the payment was received after XXXX I was informed our payment would not be applied to our loan until the next business day, Monday XXXX XXXX. This caused us to XXXX more days of interest accrual. 

Additionally, they would require you pay to receive you payoff amount. 

I believe both items are in violation of UDAAP.

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 2015-10-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: I.Q. DATA INTERNATIONAL, INC.
State: AZ

Complaint narrative:
They refuse to make an arrangement with me. 
They will not discuss other options to help me get this paid. 
They assume i can only pay XXXX a month when we have not went over a budget. 
They are very rude by telling me they cant help me and more than XXXX occasion hung up on me. 
XXXX told me several times she will not work with me and she will not take my payments. 
XXXX told me to send in my payments. 
They have bad communication skills. 
They treat me badly when I just want to pay 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 2015-05-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: MI

Complaint narrative:
XXXX apartments XXXX XXXX Texas - Sent XXXX different amounts within a month, none of them in regards to my contract - made accusations that are not true

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ONLINE Information Services, Inc.
State: NJ

Complaint narrative:
Received bill for medical services that had already been paid when services were rendered. When I contacted the facility where procedure was done, was told my account was paid and nothing outstanding. A radiology office claimed that I owed an additional fee for the service but the center that performed the procedure confirmed that their onsite doctors reading of the results is included in the price I had already paid with a credit card. Procedure is not covered by insurance so payment is due when service is performed. This Radiologist " billing department '' submitted to the wrong insurance company which denied payment as would be expected. Now charge has moved to a " collections agency '' and ultimately a threat to my credit. All phone numbers provided are automated attendants with no option for a live person. I have also received numerous phone calls referencing the outstanding balance, but it is always a robo-type voice leaving a message. Have read from others who have encountered similar situation and have ruined their ability to acquire credit even after paying off the debt. Worried that my credit card information or other personal information has been stolen without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CAVALRY INVESTMENTS, LLC
State: TN

Complaint narrative:
I have a collection account on my credit who was supposed to be included in my bankruptcy and XXXX. I want this issue to be resolved in the time manner and reported to all credit agency. Also not expecting anymore calls from collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: CNG FINANCIAL CORPORATION
State: WI

Complaint narrative:
" XXXX XXXX '' left a voicemail on my cell phone XXXX/XXXX/2016 claiming to be a process server stating that I have charges and a claim that was filed against me, and said that I was being served. In the voice mail she gives a " case number '' to reference. She also called my work, and a friend of mine stating the same thing that I was in the process of being served. After not returning her phone calls or messages immediately because I was at work, I got three calls in a row from what appeared to be my XXXX job. I answered the third phone call and it was this " XXXX '' person, not in fact someone from my XXXX job. She was talking really loud and fast. I could n't understand much of what she was saying. I caught something about getting a " cease and desist '' otherwise I was going to be served with a lawsuit. Upon calling the XXXX number, the automated message makes it sound like it 's an attourney 's office, and you have to give a " case number ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Medical Society Business Services, Inc.
State: AZ

Complaint narrative:
This is a complaint from XXXX against Bureau of Med Economic for Bureau of Med Economic 's failure to provide requested information for the debt alleged. As of XXXX 2017, Bureau of Med Economic has been reporting an open credit account for the XXXX. On XXXX/17, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been 30 days since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

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 2016-05-16 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: Viking Client Services
State: CA

Complaint narrative:
I rented a car from XXXX. I did not inspect the vehicle because I picked it up late at night in a rainstorm. When I returned the car the following afternoon the attendant asked me how I damaged the front corner panel. I was shocked. I had not damaged the car in anyway. I filled out a statement with Budget that stated i did not inspect the vehicle and I had no idea how the damage occurred or even if it was while I had the car. This was XXXX XXXX. Today, I get a call and a letter in the mail from XXXX XXXX XXXX. The letter has no information on the car, the damage, even the rental date - nothing. It is just a bill for {$470.00}. I called Viking Services and asked for an itemized statement of damage and repairs. I also asked how to dispute the charges. They told me they would send me info on XXXX but have not responded. I told the representative I spoke with i would wait on the line while she collected the info but she said it was a long process. Really? If they want money from me should n't they have all the documentation readily available to them?

Company response to consumer: Closed with explanation