vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-15 00:00:00
Product: Other financial service — Debt settlement
Issue: Unexpected/Other fees — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I had an account with Bill Me Later and PayPal Credit took over my account. They say I owe them money that I do not owe. They even sent statements showing I over paid them {$160.00}, but they say all my debt was not disclosed and I now owe them {$300.00} plus. They added {$100.00} to my account when they took over and late fees because I refuse to pay them. I have never been late, I had XXXX NSF for {$100.00}, when my bank changed my account number due to security. They sent a letter to Bill Me Later who excused the {$25.00} fee and my bank paid the {$100.00}. I need for someone to help with this issue. I do not owe them any money. They say I approved their disclosure but I know when they took over for Bill Me Later, I had to agree in order to view my statement and make a payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-19 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
Paypal credit opened a account in my name. I did not tell them to open the account. They told a company called XXXX sent them a bill and Paypal sent bill to me. Paypal is refusing to give info I need for police report. They keep sending me to other people. They will not take a fax from me with info they asked for. They will not take my info over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I received a collection letter from XXXX XXXX XXXX. They claimed i owed Paypal XXXX {$430.00}. I called paypal to verify and they ensured me that my Paypal account was closed and no past due balance on it. I am very worried and scared this will mess up my credit report. I also accidentally gave them the last XXXX of my social. This is fraudulent, please stop them from doing this to other people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A.
State: MO

Complaint narrative:
Flag star bank I feel that they took advantage of me. I am sure I was not the only XXXX. Ialmost lost my house because of them I am still suffering because of them. They lost my paperwork so many times I faxed them my paper work at least XXXX times I even mailed it to them. My house so on the steps of the court house my best friends boyfriend paid there attorney XXXX to get my house. OMG  I wish something could be done. If I had the money I would  I wanted to get the news crew involved. i tried to get anyone who would listen I wrote so many letters . no one really cares about us XXXX.  FLAGSTAR BANK OUT OF MI, CROOKS....

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I made an on-line purchase from XXXX back in XXXX 2016. The charge was made on-line to Paypal. I never received the item and contacted Paypal. So Paypal put in a dispute. Paypal says the payment was returned but because it was entered wrong I should pay the XXXX so it can move over. That made no sense to me at all because it still sounded like I 'm paying for something I did n't receive. I keep getting a bill for {$12.00} which I refuse to pay. Have had contact with Paypal several times.Last contacted them on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30 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 contacted IC System about an account on my credit report that is not mine, but instead belonging to a family member. The agent I talked to acknowledged that they knew that the account did not belong to me and the agent said they will not remove it from my report until said family member pays the debt. I did not give IC System permission to use my credit for any purposes.

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 2017-01-14 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
Paypal is making it difficult to remove a credit card on file. I added a new card and wanted to remove an old card. I clicked on the remove card option and even after waiting 30 minutes the process has not been completed. This was attempted 3 times XX/XX/2017 at XXXX est. There is no way to find a phone number to call. Paypal does not want to spend any money on tech support so they hid the customer service number. It is far easier for me to file a complaint with CFPB to get them to do this that should only take a few seconds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-29 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
I used Paypal to send my friend and her husband, in XXXX {$7700.00} to start a business.They were going to use the money to buy a used vehicle and equipment to get started.Paypal told them they could only withdraw {$500.00} per day and they did for 3 days and then Paypal froze the account so they could not get any more money and they can not send it back to me.I linked my credit card to my Paypal account, because I figured I could pay the monthly mininum payment and would not have to take money from my actual bank account. 
On XXXX XXXX I sent them XXXX XXXX using XXXX because her husband was going to fly out the next day to XXXX to by a car for the business and had to have the money.Cars are a lot cheaper to by in XXXX than XXXX.That money came from my bank account which I would not have used If it was n't for Paypal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The Regional Adjustment Bureau, Incorporated
State: TX

Complaint narrative:
I took out a private student loan from XXXX in 2006. My original balance was around {$13000.00}. Now XXXX XXXX owns my loan and telling me I owe about {$34000.00}. I do not feel this is right and I need help with this. I ca n't get in contact with XXXX XXXX to see where they came up with the figure. XXXX services the loan, which they take the payments, but send me this ridiculous paperwork of accruing hundreds to a thousand dollars of interest a month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
I received a statement from Paypal regarding a pair of children boots I purchased on XX/XX/XXXX for XXXX. I request all my statements to be mailed which was never done. I notified Paypal CSR and spoke w/mgr. I was told statements sent via email, which I do n't read often that why I request paper statements. I was told the purchase of boots was only {$29.00} plus any late fees and interest. I made a payment of {$29.00} on XXXX/XXXX/16 leaving a late fee and interest balance of {$25.00}. I closed the account on XXXX/XXXX/16 after the payment of the boots. Apparently the account was not closed. After my Attorney contacted them via letter I started receiving paper statements. On XXXX/XXXX/16 email statement bal {$64.00}. Paper statement XXXX/XXXX/16 bal {$100.00}. Paper statement XXXX/XXXX/16 {$130.00}. Paper statement XXXX/XXXX/16 bal {$170.00}. Paypal have added exorbitant fees on to the account for a minimal payment of {$25.00} late fee. I agree w/ {$25.00} late fee but not the other fees. 

My Attorneys sent letter XXXX/XXXX/16 & XXXX/XXXX/16 and sending XXXX today. Stating we have reviewed XXXX XXXX account balance and transactions with her. It appears that you have failed to provide a paper statement on her account as requested. Further it appears you have added exorbitant fees on to the account for a minimal payment of {$29.00}. Thus, we would demand that you XXXX out XXXX XXXX account and send her written confirmation of the closing of this account. 

1st letter mailed : XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX 2nd letter mailed : XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX 3rd letter mailed : XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX As of today no response of account being closed from PayPal just statements with late fees and interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-04 00:00:00
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I paid an invoice through PayPal in XXXX and it did had a conversion rate of XXXX for XXXX usd. This exchange rate is much different from any other exchange rate. When I called to get an understanding about which entity they get their exchange rate info from I was given the run around. I was charged a total of {$480.00} when it should 've been around {$460.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
PayPal reported lack of payment to credit collection company XXXX XXXX XXXX. I did not open this account, and even the email used to open should raise suspicion. When I researched online, it appears this regularly happens with PayPal and XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-31 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: AmeriFirst Financial Corporation
State: MI

Complaint narrative:
My wife and I were interested in getting a mortgage. We are working to improve our credit. I spoke with a loan officer, XXXX XXXX. He assured me he would not pull my credit report as I was only interested in him looking at my income while i repaired my credit. He asked for my tax returns so he could understand my income better. He used my social security number from my tax return and pulled my credit. I believe Amerifirst home mortgage has violated : 1681d. Disclosure of investigative consumer reports of the fair credit reporting act.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I made a payment of {$100.00} to XXXX ( email : XXXX ). 
I was trying to send {$10.00} but made an error in the amount. I have contacted him, but he does not reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Paypal permanently limited my account on XX/XX/XXXX I appealed this decision, but my request was denied. To make matters worse, Paypal then held my funds for more than the agreed-upon 180 days ; I was only able to get the funds released after contacting Paypal after 200 days. Outrageous. Currently another issue has arisen : Paypal has restricted my ability to use ebay. Because Paypal processes the payments of certain vendors, it blocks my payments, so I am unable to engage in legitimate commercial activity with ebay vendors. Outrageous. I am seeking your assistance in having Paypal remove my purchasing restrictions on ebay. I do n't care about my Paypal account per se ( they wo n't allow me to add funds to my account, for instance ). However, I would like to be able to purchase goods and services on ebay. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I bought a timeshare and was referred by them to a six month payday loan because I wished to pay in cash. I was told I would not have to pay interest on the loan. In the fourth month of the loan, I started receiving emails stating that I had a line of credit with PayPal that I could use at any time ; emails of wonderful items were sent to me to purchase same. In my last month, I decided that wished to use the account and informed them I would leave {$500.00} balance so that my credit would show something to be recorded. On the day the loan was completed, I received an email stating I owed {$400.00} in interest. I was under the impression I would only be charged for {$500.00} of interest in order to maintain the line of credit that I did not ask for, therefore, I paid the amount in full ( {$500.00} ) that day. I asked to speak with a Paypal manager and was informed " too bad, '' I should 've paid the {$500.00} two days earlier and not assumed I would only be charged interest on money that I thought was okay to leave since that was n't part of the " short term loan. '' I was swindled into not paying the entire loan off because I thought it was " nice '' of Paypal to extend a line of credit to me, as well as a loan. Had I not received their " nice '' gesture of " giving '' me a line of credit and allowed the relationship to maintain itself, I never would 've left a balance for the " line of credit. '' I have been paying {$100.00} per month for the interest of a loan that would 've been paid if I had n't been swindled by a company I would 've never thought would swindle me. If I could have my " interest '' payments received and the remainder erased, I would appreciate it.

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: FL

Complaint narrative:
I signed up for a PayPal credit account and did not know it was a credit account. I thought it was the regular PayPal account which I had another credit card attached to. 
I thought the practice was deceptive in nature. I also do not remember them indicating they where going to check my credit. If they did check my credit it was not understood on my part, I never gave them permission unless it was in some fine print I did not read. 

Very unhappy with Paypal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15 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: CA

Complaint narrative:
IC System is attempting to collect a debt I do not owe. They are stating that I owe XXXX XXXX XXXX {$110.00}. I am a current customer with XXXX XXXX XXXX, and have been consistent with my account for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
I have used PayPal Credit on line for a few purchases, totaling approximately {$280.00}, i have sent checks to the address i was given by their Customer Service located in Georgia. My first payment was received and credited to my balance in XXXX, 2015, since that time i have sent XXXX 3 XXXX more payments, totaling another {$180.00}, but they tell me that they never received any of these payments, and i am now accruing finance charges. I find it hard to believe that no mail is being delivered in the state of Georgia. I have checked with my financial institution and they report that the checks have not been cashed. I believe PayPal is holding so that i accrue finance charges. I saw a lawsuit which was filed against PayPal, and am looking into joining this suit. Any info you could provide would be gratefully appreciated. Thank you. XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-22 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Visio Financial Services Inc.
State: NY

Complaint narrative:
Visio Financial was a present lender who has been payoff by XXXX XXXX see attached complaint number against XXXX XXXX Visio Financial has not assist my new lender in getting Visio Financial lien off my property. The XXXX XXXX '' still has a paid lien on by property, so this does n't allow me to sell my property without paying them twice. Visio Financial assisted I speak with XXXX loan Servicer ( see attached complaint made against XXXX ) XXXX has put late fee on my account that never happened, XXXX, owe me XXXX on the closing of Visio Financial balance due was XXXX + XXXX ( in escrow ) payoff showed XXXX approximate I the borrower ask Visio Financial to confirm and correct XXXX payoff balance, it was refused, Visio Financial said " see CLEAR SPRING ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Website transaction to purchase a laptop computer. 
Website credit card transaction failed, so operator provided Paypal link which was made debiting a XXXX credit card. 
The website is bogus and no product was shipped. 
Paypal classifies this as NOT a transaction for a product or service and will not provide dispute resolution. 
This website still exists more than XXXX weeks later and these people are still taking victims ' money and Paypal is providing them the means to do it. 
I have screenshots of the transactions and made a copy of their website at www.crazifire.com for reference. 
Paypal is complicit with this theft by not warning victims that the transaction they are about to authorize is NOT for a product or service and is NOT eligible for dispute resolution. 
Type of fraud : bogus website selling products that are not shipped : XXXX XXXX transaction facilitated and protected by Paypal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: FORD MOTOR CREDIT CO.
State: AL

Complaint narrative:
I purchased a XXXX Mazda Tribute back in XX/XX/XXXX from XXXX XXXX Mazda in XXXX Alabama. XXXX XXXX Mazda is owned by XXXX XXXX XXXX. My contract reads " XXXX XXXX XXXX '', financed through Mazda American Credit. '' Or " XXXX XXXX XXXX, DBA, or " DOING BUSINESS AS '' " AMERICAN MAZDA CREDIT ''. We bought our Tribute new and struggled to keep it through a layoff from my employer by deferring our past due payments. Once our layoff ended and I was called back to work all was fine. Then in XX/XX/XXXX after being back at work for just a few months my employer again started to layoff. I knew we would never make it through another layoff. We had not recovered financially from the XXXX layoff. I called the finance company and asked what would be my best option for the Tribute knowing that they would repo it. There was no way I could make the payments. Our focus now was to try and hold on to our home. I was told that if I could VOLUNTARILY bring the car back into the lot I would save a good amount of money in fees and a voluntarily repo is far better than them coming to get it. Now I know there is really no good benefit. So that 's what I did. Of course they took me to court and got a default judgement on the vehicle or me that is. Just before my warehouse was to begin laiding off, I got hurt at work and was let go. Now I am XXXX and needless to say things have only gotten worse. We lost everything. Now for the part of why I am filing this complaint. My wife and I have done all we can to make sure everybody that has us in collections are being paid in full, or settled on an agreed amount to close the bill. My credit is totally in the tank. I have been trying to stay up with my credit rating and score and to get back to where we were when all this happened. While I was reviewing my free report for this year I noticed something that was not supposed to be there. " XXXX XXXX XXXX '' has me down as a " PUBLIC NOTICE '', which was or is, the default judgement. Thats fine, I know I still owe them money. But then I noticed " American Mazda Credit '' on there as having me in collections for the same amount owed. Why I never noticed this before is beyond me. I guess It just did not register. So what they have done is hit my credit score XXXX. Or double jeopardy. That is why I am filing this complaint, is to see if there is anything you can do to help me with this matter. Large corporations already have a shadow on us little people. This is really a low down way of doing business to gain even more of a way grip on the public. It 's no wonder it is so hard to stay in the good graces of the financial world. I want to pay off all my bills and I will but this goes too far and I need someone to help me get the bigs guys to at least just do what is necessary to protect them selves of course but at the same time, let me try and make good without the shady doings that they are doing to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
After filing multiple complaints with the CFPB, Nationstar Mortgage continues to fail to follow the law. XX/XX/XXXX marks the tenth month that Nationstar has not provided us with a monthly mortgage statement since they assumed servicing of our home loan in XX/XX/XXXX. We are not in bankruptcy, the only exemption that would permit Nationstar to not send a statement. 12 CFR 1026.41 ( e ) is clear that there is no exemption under which Nationstar is not obligated to provide us with a monthly mortgage statement. Additionally, Nationstar still has not provided us with the disclosures required by 12 C.F.R. 1026.20 ( d ) concerning the change in interest rate on the note. Despite multiple complaints and communications with Nationstar they still refuse to make the required disclosures or to provide monthly mortgage statements.

Company response to consumer: Closed with explanation