vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-31 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I made a purchase through PayPal which I expected to go onto my regular credit card like all of my prior usages of PayPal, but instead I was given a PayPal Credit account. Also, a monthly payment I had begun to XXXX XXXX was billed to this PayPal Credit account ( the following month, and ever since, this XXXX fee has been correctly billed to my credit card ). When I received the first notice that I had a PayPal Credit account, I immediately wrote PayPal that I did not want such an account ; they replied by telling me what a wonderful account it was. I was then out of the country for 6 months. Upon my return, I find that original purchase of {$6.00} ( plus the XXXX charge of {$21.00} which was wrongly billed to this account ) is now considered to be a debt of {$170.00} and has been turned over to a collection agency. I called PayPal and they said that there was nothing they could do. They are deceitful crooks. I refuse to condone this obscene usury and will never pay these fraudulent charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-05 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Paypal paid my purchase with credit, not as usual with direct deduction from my bank. I called immediately and was told that there was nothing that could be done until I received my bill. I was charged {$4.00} for a {$15.00} purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I submitted a dispute for a service that caused dmamge to me physically and the denied me because they do not want to eat the cost of the service.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Pay pal credit says I owe them money and turned it over to a collector. I do not have a pay pal credit card nor did I ever sign up for XXXX. The debt collector they hired has been calling me and my wife every day for the past 8 months. Tired of the phone ringing! I talked to them XXXX time before and told them to stop calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-21 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
Paypal Credit pulled my credit score without my consent, resulting in a hard credit inquiry on my credit report. The last time I was on Paypal, all I did was update my profile by adding my new bank account and my SSN. I just saved the information to my profile, I did not consent to them running it for Paypal credit. After doing some research, this has happened to many other people. It 's like as soon as they have your SSN, they take that as an okay to run your credit. The only thing I was doing was trying to get my profile as updated and completed as I could.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I was unaware of our debt to XXXX via IC systems, as my payments were supposed to be auto deducted, and I never received anything in the mail saying i owed them anything, or that it was being sent to collection. They repeatedly called my cell number, but no one would be on the other end when I answered ( only found out it was banfield by looking it up ), then they stopped calling. I have recently learned they have been calling my parents ' home- sometimes asking for me, other times just silent. My husband called IC systems requesting they stop calling my parents ' number and call his, but they have not done either. I have been at my parents home when they call ( everyday ), and when i pick up the phone to ask why they are still calling this number, no one responds. My husband gave them his number of XXXX, but they have not once called. Please have them stop calling my parents!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: Flagstar Bank, N.A.
State: MI

Complaint narrative:
I have a checking account with Flagstar bank. I have been a customer for about 6 or 7 years. I 'm a senior on social security, with a limited income so there often is n't much money in my account. But today I was charged for XXXX overdraft fees of {$36.00} each. The bank manager says he can only reverse XXXX of them. I called he main Flagstar banking support and got the same answer from them. My issue is that I have the Flagstar app on my phone. I check my balance Almost daily. When I checked over the weekend, I saw some " pending " charges that would post on Tuesday XXXX XXXX. The day after the XXXX XXXX holiday. 
So I deposited a check I had for {$150.00} so that those pending things would be covered. Well, it seems that the bank posts those first and so after the first or second pending item, the Overdraft fees kicked in and then of course all the rest of the items were rejected too. If the check had been posted first, there was money to cover everything I had pending. 
The bank refuses to help me with the XXXX overdraft fees is says it ca n't reverse. That 's {$210.00}. But my account is only {$130.00} overdrawn. So obviously it 's their fees that are causing the problem. I understand now, after speaking with them That things post on a certain order. If I had know that before, I had the check that I ultimately deposited yesterday last Friday. I could have deposited it then and avoided all of this. I did n't understand that it would happen like this. 
I 'm a senior. I do n't always understand the rapid electronic way that financial Institutions work now. I acknowledge that this is my error. But I have more than 2 weeks til My next social security check comes and a prescription that I need to fill Today or tomorrow at the latest. I have no way to make up the overdraft fees. The bank tells me not to worry, I have 30 days to " fix '' my account. These fees are about 15 % of my monthly income so just putting the money in the bank when I get my next check solves nothing for me. Then I am unable to pay other expenses or buy groceries next month? Not a solution in my opinion. 
I would appreciate any help you may be able to provide. 
Thank you so much. 

Item

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 2016-09-19 00:00:00
Product: Money transfers — International money transfer
Issue: Incorrect/missing disclosures or info — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I sent a deposit for XXXX XXXX XXXX XXXX to import a vehicle. I have not received the vehicle since the purchase XX/XX/2016. I guess there are problems with the exporter in XXXX but now I dont get the vehicle I purchased unless I pay someone else to ship it. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Prepaid card — Mobile wallet
Issue: Adding money — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I sent money for my paypal debit card to PayPal credit because the information on the website said to do so. I was told they had to wait for money to clear and send back to me or they wiod send original money order back to me. The money order was for {$400.00} and was issued XXXX/XXXX/2015. It is XXXX/XXXX/2015 and I have called over 3 times and talked to 8 managers who all lie about the money being sent back to me with no tracking and I get XXXX fifferent story about the whereabouts of my money every time I call. They will not give me my money and keep telling me either they are researching it if reaching out about it. No one returns my calls. They wo n't send my money and I get a different lie every time I call. PayPal credit managers claims they have no supervisor and they are the end of the line and I have to be patient while they research .... What are they researching? Nothing! They we not overnight a check for my {$400.00} and claim they did with no tracking then they claim XXXX they resent it twice-all lies! How can these people just keep {$400.00} and not return my money? I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 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: VT

Complaint narrative:
I had a rental unit with XXXX for over 4 years, paid every month. My wife and I got it when we moved out of state with the plan being to come back for our stuff. 4 years later we realized we did n't really need the stuff anymore so we called XXXX XXXX and asked them what our options were to get rid of the storage. They told us the only way without us coming to get the stuff was to let them auction it, so we did. This was in XXXX XXXX, auction was in XXXX XXXX. The deal was they would auction it then send us a bill for XXXX, XXXX and then a couple fees minus whatever it had got at auction, estimated to be {$540.00}. In XXXX XXXX I receive a letter in the mail from a collection agency saying that I owe NOT ONLY the XXXX that the storage came out to be but also {$160.00} additionally for them to collect this fee from me. That is extortion, charging me extra money on top of my actual debt or else reporting it to my credit. I NEVER EVEN RECEIVED A BILL FROM XXXX! Never! And not only did I not receive a bill but also the letter from the collection agency came within a couple weeks of my unit 's auction! So immediately I contacted XXXX via their " contact us '' web page. I have been back and forth with XXXX trying to sort this out since then and finally now XXXX XXXX, a manager from XXXX XXXX said he can sort it out for me and get my bill to be XXXX dollars as it should be. So today I call XXXX XXXX from the collection agency as XXXX XXXX told me to and the agency will not put me in contact with her. They wont let me talk to explain the situation. They are extremely rude and threatening. They tried to demand my phone number and other information and of course they wont just let me pay the XXXX as I owe. Hopefully XXXX XXXX can at least sort out the payment for me, but either way a complaint needs to be filed on these guys.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I thought I was not signing for a credit card but somehow now I carry a paypal credit card which I really do n't want.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-20 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: MI

Complaint narrative:
About a year ago, I noticed a ( what I thought to be ) fraudulent delinquent account on my formerly perfect credit report. It was from XXXX XXXX, who I have n't been a customer with since I moved from XXXX to XXXX 6 years ago. I later learned that it was because the cable XXXX had been in my name, and my ex 1 ) Never fully put it in his name, and 2 ) Never turned in the modem when he moved to another location in XXXX last year. I contacted him, he turned it in, XXXX XXXX confirmed ( I 'm sure they have logs on it ), and it was removed off my credit report. I checked my report last night, and low and behold, there 's ANOTHER overdue account from XXXX XXXX that is listed as OPEN and has been charged off to a creditor for a measly {$180.00}. I 'm not exactly sure what 's going on this time, but this is NOT my debt as nothing else was in my name with XXXX XXXX. Perhaps it actually is a fraudulent account, or maybe the debt collector made a mistake, but regardless, I have no responsibility in paying this.

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 2016-10-13 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
i added a credit card from XXXX XXXX to my paypal account to pay for services i charged to paypal, including lyft and uber. i had previously used a bank account from XXXX XXXX XXXX to pay for paypal charges. without notifying me that the XXXX card was not used, paypal charged XXXX XXXX XXXX approximately {$34.00} in expenses from XXXX and XXXX and i believe XXXX. XXXX XXXX XXXX returned the payments. paypal repeatedly billed these expenses to XXXX XXXX XXXX without notifying me, and as a result i incurred upwards of {$700.00} in overdraft fees. ( to add context, i learned during this time period that my father has XXXX, and i have been distraught, i do n't just not check my bank accounts as a matter of course ) i asked paypal for a letter to explain the situation to XXXX XXXX XXXX, which they provided, and i furnished that letter to XXXX XXXX XXXX, but XXXX declined to refund the overdraft fees to me. i feel that i have been swindled, as I was charged over {$700.00} in fees for less than {$40.00} in overdraft. were this a loan, it would be usury.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: TOWNE MORTGAGE COMPANY
State: MI

Complaint narrative:
The lender Towne Mortgage of XXXX Michigan and XXXX XXXX of XXXX Mi were to reimburse a fee of {$470.00} for the appraisal of the subject property XXXX XXXX XXXX , XXXX Mi XXXX at the closing dates XXXX/XXXX/16 ( file no XXXX ). The total monies we sopposed to be {$3100.00} and a check for {$2700.00} was given, check # XXXX. After numerous calls, emails to the title agency and the mortgage broker I am left with no alternative but to seek assistance from your agency.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I am desputing a debt that was put in my name, that should be in my father 's name. I am XXXX XXXX XXXX my dad is XXXX XXXX XXXX. I am including my fathers birth certificate. I am not liable for this debt, it is not the first time they put fraudulent debt on my my credit that belongs to my dad. I was still in high school, I was not working to pay for the XXXX XXXX bill that was my dad 's responsibility. This was previously removed and has been added again when it should never have been there in the first place. Please remove the following debt listed below from my credit report. My email is, XXXXXXXXXXXX. You can respond to this email address. Thank You for your understanding. 

Sincerely, XXXX XXXX IC Systems XXXX XXXX XXXX, 2016. This is for a XXXX XXXX bill of XXXX, that my father 's owe. This is debt was removed and added again, when it never should of been on my report, Please have it removed again.

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 2015-06-15 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
Around XXXX 2012, when I attempted to use my eBay account to sell items, I was informed that I had overdue seller 's fee. At that time, I disputed the fees because in reviewing my account online. I could see that it was another person who sold the items. Ebay agreed with me at that time and cleared my account. The dispute and resolution happened by phone and email in my eBay account. My eBay account does not have the old emails and when I spoke with Ebay today they have no record of my dispute and resolution in 2012. Also, my account no longer shows that items fraudulently sold through my account and the seller 's information which helped prove the first time around that I was NOT the seller. So here I am three years later disputing the same fees again and can not provide the proof because eBay has deleted the information from my account. 

Their dispute and resolution process should NOT be only by phone or inside the eBay account. Their should be a process that allows me to write to actual address and/or use my regular email account, so that I the consumer can have a permanent record of my dispute and their resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-02 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: I.C. System, Inc.
State: PA

Complaint narrative:
The credit agency IC system, reported the amount of XXXX XXXX, XXXX and it shows in my credit report that is negative and thats not the I owe. And i need for you to take that out of the credit report because its affecting it. I already paid the account i already paid the credit agency " XXXX XXXX. " The account number is XXXX Original Creditor Client Ref # XXXX, and the phone number is XXXX. The balance was XXXX which was already paid, but i need the agency IC system to take that off my credit because its affecting it, and they are n't the Original Creditors in which i already paid, my phone number is XXXX, Thank You.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
My balance was under {$50.00} and they added charges totaling over {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I have illegally signed up by PayPal Credit. I was unaware that I had been signed up for this and never consented to it. According to a collection agency they stated this occurred in 2014. They are now stating I owe close to XXXX dollars due to interest that has accrued. I never received any bills or statements and the collection agency stated I have been sent notices to an address in which I do not live at. I never approved of having this account and feel I enrolled in this without my knowledge or consent. I am not aware of what this initial charge is even for because the collection agency would not tell me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-28 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: KS

Complaint narrative:
Received a letter from XXXX XXXX stating that I owe them for a collection for PayPal. The amount that it 's states I owe is XXXX. I checked my account on PayPal and it states my balance is {$0.00} and I do not have an open credit card account on PayPal. I did a credit report and not does it show I have an open account at PayPal indicating my identity has not been stolen. I do not know why I received this collection unless it is a mistake on their part and I do not want this to effect my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-01 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Using Paypal, I was in the process of transferring funds between myself and two other customers to purchase bulk inventory of computer parts XXXX XXXX 2016. I have the same Paypal account for over 2 years and have done the same process in the past. This time Paypal decides to " trap '' the funds into the the Paypal account. Currently Paypal is holding {$2400.00} that is not theirs, that no is looking for except me. Their internal reference number for this fiasco is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc.
State: GA

Complaint narrative:
No knowledge of said debt

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 2016-05-27 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: Financial Credit Service, Inc.
State: TN

Complaint narrative:
I received a voice mail from " XXXX '' with Asset Recovery Associates and was advised to call XXXX regarding a complaint to be filed against me, complaint # XXXX. I called back and spoke to a lady representing XXXX and they are debt buyers of a debt in incurred in 1998 with XXXX XXXX. ( I do not recall such a debt and currently have an active XXXX XXXX that is not delinquent. ) Unfortunately I did not get the name of the lady to which I spoke. She did not provide the mini-Miranda during our conversation and kept claiming she was n't " personally '' attempting to collect the debt, only her employer was attempting to collect the debt. She stated a judgment was going to be filed against me in XXXX XXXX, TN ( where I currently reside ), however, after I questioned regarding the legality of the statute of limitations, she claimed she was just asking for a statement from me regarding the balance and denied a judgment would be filed. This business seems to be preying on the least sophisticated debtor with illegal collection tactics.

Company response to consumer: Closed with explanation