vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-05 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
PayPal Credit is practicing deceptive lending practices by not including on their monthly statement any indication of how " Standard Purchases '' are paid when you have a Promotional Balance and paid the " Amount to avoid Standard and Deferred Interest on your next statement '' each month. I was told by " XXXX XXXX '' ( a supervisor with PayPal Credit ) that their policy is to pay the next promotional balance with the " Amount to avoid Standard and Deferred Interest on your next statement '' and not the " Standard Purchases '' in a given month. They then roll the " Standard Purchases '' onto the next statement and do n't charge interest ( because you paid the " Amount to avoid Standard and Deferred Interest on your next statement '' ) - BUT do n't show this rollover of " Standard Purchases '' on the next month 's statement, they just bundle it in the line item " Standard Purchases '' under " INTEREST DETAILS '' making it impossible for the consumer to see where the extra amount is coming from. i.e. the " Account Summary '' shows " Purchases & Adjustments '' ( supported by the line item detail under " CURRENT ACTIVITY '' ) and on the next page, under " DEFERRED INTEREST CALCULATION '' they list the " Promotional Balances '' expiring in the statement month - but they do n't ( and he said their policy is to never show ) the amount of last month 's " Standard Purchases '' rolled over detail on any statement -- because " our language on the statement regarding " Amount to avoid Standard and Deferred Interest on your next statement '' only reflects how Interest is handled - not how payments are applied ''. 

This policy makes it so the consumer is unable to reconcile the amount being paid for " Standard Purchases '' with the " Amount to avoid Standard and Deferred Interest on your next statement '' - which leads to the consumer 's inability to predict how much they will need to pay in any given month " to avoid Standard and Deferred Interest on your next statement ''. 

" XXXX XXXX '' agreed that this was confusing, and he offered to raise my concern with his management - but everyone needs to understand that this practice makes it impossible to budget in advance for paying for non-promotional purchases and promotional balances and you have to wait each month to see the " secret '' " Amount to avoid Standard and Deferred Interest on your next statement ''. I was able to handle the surprise this time around - but it certainly could cause someone to be tricked into not being able to pay off their promotional balance in advance and avoid interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc

Complaint narrative:
Recently, I did online shopping with XXXX and ordered for a smart watch. XXXX XXXX : XXXX + Insurance : XXXX XXXX + Fast Freight : XXXX XXXX ; Total amount payed : XXXX XXXX. I was asked to buy this single smart watch by a trading company in XXXX. This single watch should be a sample for the company so that the company can examine it whether it has marketable features for XXXX market. I am a XXXX XXXX and not a trader. I only wanted to do this because they asked me to do it. I paid for the watch through PayPal with the instructions that I need the watch to arrive within ten ( 10 ) days. However, when I observed that the order has not shipped after seven days, I canceled the ordered and requested for a prompt refund of XXXX. XXXX was added to compensate for wasted time and financial loss on my side for placing this order. 
XXXX replied that they have paid the requested refund. PayPal also confirmed it but it has not reflected on my Bank account statement. I need all the money I can raise to do this business. Please, do ask PayPal to pay my refund immediately. If they delay, I will ask for more compensation. Also, I have tried to communicate this issue with PayPal, but they always reply to their message centre where they have deliberately designed so that I will not be able to read the whole message. I asked that PayPal should henceforth send messages to my email, but they will not comply. How am I going to read the messages? Please, ask that PayPal should comply and send messages to my email.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-26 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: IA

Complaint narrative:
I received a letter from what I assume is a debt collector trying to collect on a Paypal account that has a negative balance, personally I ca n't even understand how a Paypal account could have a negative balance, but more importantly I do n't have a Paypal account and I want this collection to cease and it better not appear on my credit report. I am as well submitting this complaint to the Iowa Attorney General 's Office. I have attached a copy of the letter that was sent to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-07 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:
Essentially I have over {$5000.00} dollars in a paypal account. I have been selling XXXX as well as buying XXXX for several months. Suddenly, after receiving a larger payment from a well known XXXX, my paypal account was suddenly limited. The language as to why was not clear, just that they wanted me to explain where money was coming from and that they suspected fraud. Once I had told them of my business and even to look at see what I have sold on eBay, they immediately gave me a permanent limitation with no explanation as to why. I was never allowed even to appeal nor to dispute based on the vague language given. Subsequently, another paypal account I had also have had for many years was also suddenly limited, for being " related " to that account. In totally paypal is holding approximately {$8000.00} USD of my money. There seems to be nothing I Can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
PayPal credit also known as bill me later failed to follow company procedures per their own terms of use when processing XXXX returned items. The failure to promptly apply the credit back to the paypal credit balance, instead of issuing a credit directly back to the PayPal account & removing the transactions that had promotional deferred interest attached they issued a general credit to my regular paypal account past the promotional expiration date. They failed to ever place the amount on hold for investigation as well, after I opened a dispute per the terms of use in XXXX when the transactions and Returned items still had not been refunded. To date i have an accumulated interest amount of XXXX and increasing because of the shear stupidity and inability of any of the customer service representatives to grasp the basic concept of how interest charges accumulated erroneously. They have issued a credit for the deferred interest amount that was initially added to theprincipal balance but that has done nothing to rectify the account errors. My perfect payment history and proper allocation of funds will show the account bearing no interest once the account is audited back dated to XXXX/XXXX/2013 when this entire nightmere began. All phone calls and conversations are documented for my personal references regarding this matter. I record all phone calls with all businesses that I interact with in an unbiased fact of the matter reference without prejudice for my own safety and quality assurance. XXXX amendment grants me the right to bear arms without infringement. The recordings serve as a form of armor to ensure integrity in all of my business dealings.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
I started the refinance process with my current lender back in XXXX 2016. After submitting all of the requested information in a timely manner, they informed me that too much had passed and that I needed to start the whole refinance process over again. 

I resubmitted all of my information once again and after repeated attempts to check the status of my refi, I was finally informed that the person I had emailed all of my information to " was on leave '', then later " got into a car wreck '', so I once again, had to submit all of the same information I had submitted months ago. 
Recently, they 've begun requesting further information beyond their original requests, have led me on by saying my loan is " approved with conditions '' they keep changing and meanwhile, interest rates have risen and they continue to ask me for documentation I 've already submitted. Again and again. no financial institution should be allowed to waste a customer 's time in this manner presenting false hopes of reducing their mortgage payments.

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 2015-09-23 00:00:00
Product: Money transfers — International money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
i bought an item from XXXX thru paypal, paid, waited about 1 month and then usps tracking showed item was avaliable for pick up, i went to usps and they dont me that the package was not there, i kept calling them and they said they cant find the package..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
i signed up for Venmo last week and made some transactions though folks i know. 
Venmo froze my account last Thursday and has not provided me any information. They stole XXXX of my money and refuse to provide reasons why. The company does not have a customer phone number. i have no way to resolve this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A.
State: MI

Complaint narrative:
I submitted forms to conduct a short-sale on my condo in 2010. For over a year, I submitted the required paperwork to Flagstar on a monthly basis. I was told that the entire process would take a year but that I needed to find a buyer. I found a few buyers and submitted the necessary paperwork each month. I get to the end of the process and was told that I one document was missing in my file and that I would have to start the year process again. My house went into foreclosure and has negatively affected my credit in my re-attempt to purchase another home. The original request for a short sale came from my husband 's job relocating us to another state but Flagstar gave us the run around.

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 2016-02-04 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I took out a low interest loan to pay off my credit cards including my pay pal credit account. At the time the paperwork was processed for the loan, I had a balance of {$5200.00}. A check was mailed out on XXXX XXXX pay pal credit for XXXX and posted to my account on XXXX XXXX stating it was received on XXXX XXXX. I was not aware that this balance did n't reflect a credit for return that I did in early XXXX or a payment that I made in early XXXX. Now, I have closed my account and there is a credit balance on my account. I called and emailed Pay Pal credit on XXXX XXXX and requested my refund be mailed. I was told it would take XXXX10 business days. I received an email in response yesterday stating that the refund would not be processed until XXXX/XXXX/16 and from there it would take an additional XXXX10 business days to process. I was not told this on the phone. When I called pay pal credit on XXXX XXXX, I was told that they have to hold my refund in the amount of XXXX until XXXX/XXXX/2016 due to money laundering laws. It is my understanding that these laws apply only to transactions over {$10000.00}. If the laws do not apply to my credit, I request that the refund be processed immediately and received within the XXXX10 business days as originally promised to me. In addition, pay pal credit will not close my account because of the credit balance. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 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: CA

Complaint narrative:
Someone used my name to register an account for XXXX ; however, I was NEVER associated with XXXX ever before. I think the person who did this likewise deactivated his or her account, so an account balance accrued. My phone provider is XXXX, and I NEVER transfer to any other carriers since I started using a mobile phone.

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 2016-06-04 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
i am unaware of being seen by this doctor i am sure nothing was signed everything was to be covered by blue cross blue shield of texas due to XXXX that occurred between XXXX/XXXX/2014 and XXXX/XXXX/2014. I am unsure of the date. this insurance was part of obamacare.

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 2016-02-14 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I had used PayPal for many years for online purchases and payments for my kids ' activities, etc. Paypal charges always went to a credit card that I had set as my default payment. Last year sometime, unbeknowst to me, Paypal opened a " PayPal Credit '' account and put a {$60.00} charge made by my wife onto that credit account rather than to the card I had specified. They did not bill me for the amount until several months later, at which point late fees and interest had driven the balance over {$100.00}. I called and was assured the late fees would be removed and that if I just paid {$64.00} for the balance and interest, that would square things. I closed the account and sent them the money. Now, several months later, I received another bill for {$130.00} for late charges and interest accumulated on top of late charges. I called them and they refused to waive the fees. I never authorized the account. I paid for what my wife bought plus usurious interst ( {$4.00} on a {$60.00} balance for a few months ). They cashed the check. I do n't owe them any money, but they continue to demand that I pay, having referred my account to collections. Their practices are deceptive and/or fraufulent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-12 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: First Credit Services Inc.
State: NJ

Complaint narrative:
A collection agency First Credit Online has reached out to me about a debt that I do not owe, from a gym I closed my membership from 6 years ago. Because I am wary of them being an legitimate debt collection agency I asked them for their professional licence number and they refused to give it to me, saying " we can not give our personal information to consumers we are collecting a debt from ''. I 've called back consistently, and even though the number is based in new york ( XXXX XXXX, their office say they are in XXXX, New Jersey, but I get a consistent suspicion that they are working from offshore ( specifically in XXXX ). here is their website which looks slapped together : http : //www.firstcreditonline.com/

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I initiated a credit chargeback with PayPal for services unrendered on or about XXXX XXXX, 2017. XXXX XXXX promptly refunded my money, but earlier this week PayPal incorrectly recharged my card. That money should be refunded immediately. Case ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Account Management Services, Inc.
State: CA

Complaint narrative:
I am current and up to date on all of my medical payments. I have health insurance so I often only pay a copay. I have no recollection of ever incurring this charge to my record.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A.
State: NV

Complaint narrative:
Two months ago, Flagstar ( dba XXXX ) sent me a letter telling me that my second mortgage was due and payable, that it was a balloon payment, ( I was not aware that there was a balloon payment due ) when I got this loan they told me that it was interest only, but that I would be paying down the principal. In ten years I have paid the principal down XXXX, they are now telling me that the loan balance is XXXX, the original was XXXX. I have talked to them countless times, they now tell me that I have until XXXX XXXX, 2015 to pay the balance or they will foreclose on my property. I am XXXX years of age and do not have XXXX to pay them, when I asked about the hamp program they said they would send me the papers for it, ( I talked to XXXX people who said they would send them, they did not. ) Last week I spoke with another lady who did send the papers, but told me that the loan would be going back to Flagstar on XXXX XXXX, 2015. After paying over XXXX on this loan they should be willing to negotiate a settlement, but I can not speak to a person who handles this. I do need some help here. Thank you

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: CT

Complaint narrative:
Several months ago, I enrolled a PayPal account so I could receive money for selling some personal items on Ebay. On XXXX XXXX I sold a gold bar in the amount of {$1200.00}, the buyer of this item paid and I shipped the item. Due to this being a new PayPal account, these funds were held for several days. After the money was made available, I attempted to withdrawal {$500.00} of these funds only to have the transaction reversed and account limited. PayPal is now demanding a large amount of personal information from me to " restore '' the account- a task that is very onerous. Furthermore PayPal wo n't respond to my Emails and continues to cite their " User Agreement ''. I am also unable to refund another buyer who paid for an item I sold on Ebay, which creates another issue. Because I can not deliver this item, nor refund it, my buyer has no other recourse to in initiate a dispute ( or possibly legal action against me ) for failing to give their money back to them. 
I feel PayPal is unlawfully holding my money for an item I sold, and will not allow me to refund a second buyer for another transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tate and Kirlin Assoc
State: NY

Complaint narrative:
I recently received a debt collection notice from an unknown source. 
I do n't know or recall ever dealing with this creditor ( XXXX ) stated on the collection notice. Have never purchased services, bought products or merchandise from such creditor or used any financial means from such creditor. No info regarding when, where, and how if I ever made contact with such creditor. In a nutshell I do n't know who this creditor is and the amount they are trying to collect. They provide no real evidence info on this matter.

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 2015-10-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
Ford Motor Credit is reporting a repossession on my credit report that is inaccurate. The vehicle was never repossessed during the time i had a loan with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Army and Air Force Exchange Service
State: CA

Complaint narrative:
XXXX debt currently in collection with XXXX Current Balance Due : {$6500.00} however ; Federal Tax garnishments ( paid ) were never applied to balance:XX/XX/XXXX= {$1400.00} ; XX/XX/XXXX {$1600.00} ; XX/XX/XXXX {$570.00} ; XX/XX/XXXX {$1000.00} ; XX/XX/XXXX {$680.00}. Total garnishment= {$5300.00} highest balance on card {$5200.00}. XXXX amount due is incorrect. Also XXXX is adding Collection Charge and interest totaling {$2900.00}. XXXX title XXXX chapt XXXX subchapter V code XXXX Debt collector may not collect any interest, fee charge or expense ...

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 2016-07-29 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Army and Air Force Exchange Service
State: CT

Complaint narrative:
I took out a star card through the military, I was told that everything must be paid before you can clear post, including your star card. I have since been out of the military and no longer have access to banking records to show payment. Also a fellow soldier in my unit has been committed for credit theft, he has since XXXX. He stole a bunch of cards and went missing ( XXXX ). Im not positive but he may have stolen my card as I believed I had it paid in full and was allowed to clear the post.

Company response to consumer: Closed with explanation