vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-21 00:00:00
Product: Prepaid card — Mobile wallet
Issue: Managing, opening, or closing account — 
Company: Google Compare Credit Cards Inc.
State: NY

Complaint narrative:
I have purchased Google Playstore Gift cards worth {$2000.00} from XXXX XXXX in XXXX XXXX with an intention of buying Google Devices from the Playstore website. 
I called the Google Playstore Customer service and they informed us that I can not use Google Playstore credit to buy hardware. However, it was in the same call, the rep informed me that she could redeem all the cards on behalf of us and they would try to request for a refund or keep the funds in our account. I told the customer service rep that we would give the card details only if she can assure a refund and the rep was very optimistic and made us believe that she can get the refund for us. If I were informed of any possible problem, I could have avoided disclosing the gift card details and we could have kept all the cards with our self. 

So, right after we gave the gift card information, they have limited my access to our account " XXXXXXXXXXXX '' and all these days, I have been communicating with them and doing frequent follow-ups about the status of the gift cards. Every time I call the Playstore customer service, they would point me to the Google wallet team who blocked my account. So my calls get transferred to the Google Wallet and they would come back asking me to upload verification documents and someone would follow-up with me. 

Since XXXX XXXX, I have uploaded the requested verification documents numerous times and have called them more than 50 times and every time I call in, my call gets transferred to numerous departments talking more than an hour with no outcome. More than 50 emails were exchanged between me and Google Playstore, Google Wallet and Google Commerce requesting for reinstating my account so that the Google Playstore could refund my money. 


For over 15 months until XXXX XXXX, all I was being told is my Google Wallet account has been closed and Google Playstore being linked internally to Google Wallet, I can not use my Google Playstore funds. I do n't really care for the Google wallet and all I requested was to refund my money. 

I am tired of contacting them again and again and I have wasted so much of my time in my life. The last time I have contacted them XXXX/XXXX/XXXX and since then I completely stopped contacting them as I became very busy with my school work. At my work place I was advised to contact CFPB and then try to reach small claims. 

Today I am contacting CFPB to hope I would get some reprieve in getting my blocked funds back. 

I would appreciate all your help in this regard. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04 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: NC

Complaint narrative:
I could n't find another appropriate option. The debt was not paid ; the debt is/was not owed. XXXX overcharges for data services and I had only XXXX cellular phone account with only XXXX cellular phone but they would claim that my bill exceeded $ 300 monthly, which is outrageous. They falsely advertise an unlimited data plan. I was at my wit ' send and disputed the validity of the purported enormous balance. I canceled my service and they retained my deposit of {$400.00}. They have yet to properly handle my bill disputes. In fact, they have willfully ignored my correspondence disputing the purported balance. Today I received notification that they have reported a debt owed of {$780.00} to the credit bureaus which is a direct violation of the Fair Credit Reporting Act. The bill is at best under dispute for overcharging with XXXX directly. To report it as a valid debt that has not been under claims is effectually premature. I have no negative collection accounts and their report to the credit bureaus has resulted in denial of credit today. I demand that they are enjoined to immediately remove the reported collection account from all XXXX bureaus and correct the excessively high bill. They have been found liable for unfair business practice of overcharging for data and this is exactly what they are doing to me. 

I only had XXXX account, XXXX phone, and the phone was NOT on an installment plan. I owe no balance for the XXXX XXXX, and I owe no balance for the cellular account. If they were to process my innumerable billing claims and correct the bill, a XXXX balance account will be the result, especially considered that they remain in possession of the {$400.00} I deposited with them to start service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
We got a call from something called PayPal Credit. We have always minimized credit card use. I have heard of pay pay but I have never set up or used " pay pal credit ''. They said I had an unpaid amount of {$400.00} from XXXX XXXX 2015. Why so long to call and ask about it? They said this exact amount was to a company called XXXX which I had never heard of. They had no information about what was purchased. There is no company on the internet by that name. I do know the VA and OPM were hacked and Federal employees had their personal information hacked and I do believe this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
PayPal Holdings Inc. has suspended my account without giving previous warning, nor have the given justification. They have tied up {$1800.00} in funds and are threatening to not release those funds for 180 days. There is no way to contact them over the phone in regards to this matter to get this sorted. I would also like to point out that, at this time, there is a large settlement made in a case exactly like this one. While I 'm sure the settlement places no fault on Paypal, the rationale behind paying out a large settlement is a pretty good indicator of the vague legality of this practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-26 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
PayPal closed my account due to me disputing transactions I did not authorize. They even closed my friend account because he was allowing me to use his account. They will not let me re-open it at all or create another account even after I verify my identity and verify I did not authorize those transactions. I have tried reaching out to higher departments but it is all the same no one will help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I MAKE PAYMENT USE MY PAYPAL ACCOUNT, FOR INVESTIGATION SERVICE, I DONT RECEIVE THE SERVICE I PAY FOR .I CONTACT PAYPAL TO COMPLAINT ABOUT IT, PAYPAL REFUSE TO TAKE MY COMPLAINT .I CALL MAY BANK // ALLY BANK, THE OPEN A CLAIM, THEN THE SAY EVERTHING NEED TO GO TRUE PAYPAL .I COMNTACT PAYPAL ABOUT IT .PAYPAL SAY THE REFUND MY ACCOUNT .NOW I DONT NO WHERE IS MY XXXX DOLLARS GO

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
I was attempting to move money from my PayPal account this morning to my PayPal pre-paid card. This action was unsuccessful though I had funds in my PayPal account. I signed into PayPal and saw a note that the funds in that account were being held and that their system identified another account with a debt. This is the first time I have been told of this and found out not my a formal letter, nor any other communication until I received an email later on this AM. I contacted them concerning this " other '' account and requested that information be provided to be in written form, and requested that my account be released. After being bounced around from limitations to the other office I finally was able to have a CS fill out a fraud claim. I informed them that 1 ) the XXXX informed me three years ago that my identity was stolen ; 2 ) I am a former XXXX on XXXX was was informed in XXXX that my information had been hacked. I also noted that I needed the funds to purchase my medications this afternoon. I was told that my case was being expedited and after a review they may release my money. If they were able to not do whatever they do, I would have no recourse legally. First off I was denied a formal letter with information to be able to review and dispute. Secondly, I was not given any notice or time about this. Thirdly, PayPal uses some algorithm which they do not share or do they provided to a consumer in written mailed out form. And lastly, the hold a consumer 's funds on the basis of this system and are not willing to provide the consumer anything about the situation. At this time I am waiting for PayPal to honor their promise to review, contact me, and lift the limitations on my account which not only apply to my funds, but by bank debit card, and another card which I am unable to anything with that information. In other words it they have taken hostage of my financial records and without due process of the law ; in some sense this action can be seen as harassing the consumer as it is a non-verbal threat in order to make the consumer pay a debt that they may or may not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-05 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: Uber Technologies Inc.
State: MD

Complaint narrative:
Did you know that Uber offers the option to lease cars to its drivers? Drivers who are often financially desperate and fiscally uninformed individuals and who are often new to this country. And the fees that Uber and its affiliate are charging to lease these vehicles are predatory. I mean the monthly equivalent of {$610.00} to lease a Toyota Corolla ( 156 payments at {$140.00} per week )? Seriously? This is absolutely predatory! And I 'm afraid that people are doing it because they fail to realize that they may qualify for much cheaper leasing options elsewhere and they do n't realize how much they are actually paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A.
State: VA

Complaint narrative:
We periodically had problems paying our XXXX mortgage to Flagstar Bankin the past. This time we were behind by around 5 months. When they would call us, we would return the call only to be transferred to other areas, put on hold and noone actually answering the call. When I was able to pay on it, Flagstar refused to take our payment ( s ) if we were not making at least XXXX payments at a time. So we started mailing our payments in using postal money orders. Then our access to our account online was totally disabled by Flagstar. We were no longer able to see the activity on the acount. all we saw was a message that said our mortgage had been sold to another servicer, and that the new servicer would be contacting us via letter. That was over three to four months ago and we still have not heard anything. And nobody from Flagstar will communicate with us. 

This is not the first unpleasant incident we have had with Flagstar Bank. They were the originators of our mortgage when we purchased our home. The interest rate on XXXX the XXXX and XXXX mortgage was high, but manageable. I notified them when my wife took ill and they suggested a modification and told us we had to be at least 90 days past due to be eligible. We did as they suggested only to have our paperwork lost. We re-submitted and heard nothing. Then we found out our XXXX mortgage had been sold to another institution. So now they only held our XXXX mortgage ( which to our surprise was actually a home equity loan ). As time went by we proceded to try and get the mortgage they held modified. We complied with all of their requests, and again, paperwork was lost or deemed incomplete. So I sent an additional copy only to have one of their employees send an email to her manager that had unprofessional remarks about our attempt to get a modification ( yes, she inadvertently cc 'd us on the email ). When I responded to both her and her manager about my displeasure of the contents in the email, the manager immediately replied to us with a favorable reduction in the interest rate along with a change in the repayment terms from being amortized over 30 years and monthly payments for fifteen years with a balloon payment at the end of the fifteen years, to a loan amortized over 20 years that pays off the entire loan in that time frame. 

It has been months since we have heard from them. And we still have no idea where our loan is.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26 00:00:00
Product: Other financial service — Money order
Issue: Unexpected/Other fees — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I recently used the Paypal service to make a payment to XXXX the online XXXX service. XXXX is a free service, but offered an upgraded membership with different pricing options. I chose '1 Month ' for {$19.00}. Instead of 1 month, I was signed up for monthly auto-billing against my will. I looked this up online and found this complaint is VERY common. I contacted paypal, told them I did not sign up for auto-billing, and requested a refund for the entire thing : XXXX and XXXX. I requested both months because I did not sign up for auto-billing, thus, never got what I paid for at all. I now have to spend hours filing complaints and talking to customer service just to get money back I never agreed to spend. Paypal must know this kind of thing happens all the time with XXXX, and is clearly ignoring it for the processing fees. When I contacted Paypal, they said they refunded it as a courtesy. They actually were referring to an earlier and separate issue, and never issued the refund requested. I do n't see how tricking someone into trying a service so you can access their bank account to take more money then you are owed on a mass scale is not Grand Theft/Fraud, please someone explain.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I received a debt collection letter from IC System, but their phone number was disconnected. I looked them up on their website and called that phone number, which kept disconnecting me every time I called. I do not know what this debt is for and I can not get any information about it, since none of their phone numbers are valid. I suspect this is fraud, but since it refers to XXXX, I am concerned because someone recently hacked into my bank account and tried to run charges through XXXX. I have not charged anything through XXXX and do not have a XXXX account. Someone is using my identity without my permission and now I am getting collection letters. How do I stop this and make sure my credit is n't adversely affected?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
To whom it may concern : Can you tell me how to get information on my mineral rights that I purchase for my land that my home was located on at XXXX XXXX XXXX, XXXX, XXXX. XXXX.I had XXXX-little checks from the oil and gas while in the house.I went on a two week vacation to XXXX and when I came back the house was broken into by Flagstar Bank.I do not have any information on the company.I want to locate my mineral rights checks and hope it is not going to Flagstar Bank.Thanks for any help I can be reached at, XXXX XXXX , XXXX, XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
I have went to my physician for XXXX report and they made with visit collect charge from my insurance and ask for Co-Payment of {$25.00} which they did not ask when i was there and send me bill at my home address, and i am in college live in campus did not get bill until i come home. later my co-payment in amount of {$25.00} sent collection agency called IC System and try to collect more then i owe ( {$25.00} + {$4.00} collection charge ) in state of New jersey debt collector can not charge more then I owe I am full time student do not make money my parent wrote check in amount of {$29.00} and sent to IC System but debt collector did not deposit check instead they did on ACH transection on my parent checking account and fail to return orginal check so I C system ( Debt Collector ) violate new jersey debt collector practise and did not deposit check supposed to do. so i am looking for original check return to us and full refund of {$29.00} because they act their way rather follow rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Account Management Services, Inc.
State: TX

Complaint narrative:
this was paid either by my health insurance or fed workers comp

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-07-06 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Google Compare Credit Cards Inc.
State: CT

Complaint narrative:
A funds transfer in the amount of XXXX was made from my checking account ending in XXXX to Google Wallet account, canceled within a minute. However, the funds were still taken out of XXXX Bank account, causing an overdraft. A fee in the amount of XXXX is charged for for this, the item was paid. XXXX Bank will not refund this as it is not their error. The email address associated with Google Wallet is XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
This is so agrivating paypal, which we currently owe has been calling us as early as XXXX XXXX est and as late as XXXX XXXX est sometimes they call as much as 8- 10 times per day even after I talked to them and asked them " please check the time before you call us as its way to early or way to late at night and is illegal to callus like that! " so far theyve been very nice and professional about everything except for their calling tactics

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-09 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
purchased egift card purchased from Paypal Digital Gifts on ebayXXXX website was XXXX out. the egift card was for {$100.00} XXXX gift card. 

Item # XXXX Purchased on XX/XX/2016

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-23 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
Pay Pal fraudulently withholding my funds after randomly closing my account without explanations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Paypal unfairly withheld proceeds from credit card transactions for over two weeks. It 's been two weeks since payment is received from my eBay sale and the balance continued to be withheld. I have been an eBay/Paypal user for many many transactions and so is the Buyer. There is no reason for them to do this other than greed to capture additional " float ''.

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: Flagstar Bank, N.A.
State: CA

Complaint narrative:
I 'm trying to get a loan modification or payment relief to avoid foreclosure my sale date is XXXX XXXX, 2015. The lender is telling me that there is no sale date and to turn in the missing paperwork I 'm been missing .I was told by them I was going to receive a email with all the missing items never did. Then the lender is telling me verbally what items I 'm missing. I will be done with uploading the items I 'm missing by tomorrow. Then I receive a letter from XXXX XXXX XXXX a letter of Trustee Sale for XXXX XXXX, 2015. So I feel that there just not trying to help and they want to loose my Home since I have about {$100000.00} in equity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I accidentally clicked on what I thought was a Pay Pal fast pay option that signed me up for Pay Pal credit. 
I attempted to remove it on line but you can not. 
I had to call and have the account removed, the whole process felt it was designed to deceive the consumer, and it was not easy to cancel the credit Even though I cancelled the credit within 24 hours, there was a hard enquirer on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
Check n ' Go is responsible for making my bank accounts with XXXX in XXXX, California, to become overdrawn and accumulate fees. This was after they chose to ignore not only a Notice to Cease and Desist, but other forms sent by a payday loan consolidation company I am working with. Those documents were submitted weeks before my loan was due with them. This lender was notified that they would be compensated for what I owed, just not on the date of the previous agreement.

Company response to consumer: Closed with explanation