vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-05 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CNG FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I paid the loan off in full on XX/XX/2016. In XXXX I received a letter saying I owed still. The company started calling 5 + times a day. I sent in my receipts 3 times, I spoke to a supervisor who said they received the receipt and would have it taken care of and it may take 24 hours for them to stop calling. XX/XX/XXXX they took XXXX from my bank account which also caused a {$39.00} overdraft fee. I called the company they refuse to accept my receipt and stop electronics debits

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
Paypal charged me {$20.00} for a fraudulent charge back initiated by a 3rd party, i which I do nothing to do with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I had an old payflow account that was activated in XX/XX/XXXX for use again with eBay. It was not until XXXX XXXX, 2015 that I was shocked to see an invoice for a bill of {$100.00}. I was able to call in today XXXX XXXX, 2015 to inquire about the bill since I never used the account since activation nor was I notified of anything owed at the time of reactivation. I do not believe I owe any charges from the past nor do I consent to any unauthorized charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-21 00:00:00
Product: Money transfers — International money transfer
Issue: Incorrect/missing disclosures or info — 
Company: Paypal Holdings, Inc

Complaint narrative:
During many years I used to have several Paypal accounts under my name, a couple of them in the USA whereas the other ones were international ( XXXX and XXXX ). All of them were verified accounts with bank accounts and credit cards associated. Suddenly, and without any logical explanation, Paypal first restricted all of them and later ( XX/XX/XXXX ) closed them all after my appeals that Paypal denied. During this extenuating process, Paypal contradicted many times, gave confusing and illogical information, had a lot of prejudice and misleading data, fallacies of several types, etc. I am very aware MANY accountholders both in the XXXX and overseas suffered similar nightmares ( and many even worst as some websites report it! ). In XX/XX/XXXX and afterwards, I did try to obtain an explanation from Paypal by directly calling their number in XXXX, CA. However, not only I received no explanation or even some hint but also I had to put up with rudeness, unpoliteness and lack of consideration from the Paypal agents who " answered '' my calls. Speaking with the XXXX from XXXX, CA was useless as he stated he could not disclose any further details as towhy my accounts were closed. During XX/XX/XXXX year through the websites devoted to the thousands of complaints against Paypal such as http : //www.paypalcomplaints.org/ and XXXX I was able to obtain further details and I emailed XXXX, the XXXX of Paypal but never received a response ... In the same sense, I emailed several of the Paypal email addresses listed there but no response at all! The basic thing I deserve from Paypal is an explanation of what happened or what induced them to take the decisin of restricting and closing my accounts. When restricting and blocking my accounts Paypal opened several case numbers that I will provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
Flagstar Bank denied me a loan modification or hardship. I was unemployed for almost 2 years and tried to get loan modification and did n't hear from them and when I did I was always missing documents even though I did send them. No emails, No phones call and especially no help from them to work something out. It seen they just wanted me to get more in the hole so I could lose my house. I file for bankruptcy to tried and save my house and the fell into XXXX do to a work injury. First my Job relocated and that cut my income and then XXXX I should been eligible for a hardship plan never got the opportunity. I was part of the loan modification lawsuit that they had. My mortgage has an equity of over {$100000.00} thats the reason why they want me to loose my house. I 'm ready to make payments now got a job. Since they always gave me the run around I deserve a second chance they have nothing to loose with my equity and they broke the law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
HelloOn XXXX XXXX I received a very cryptic email from Paypal that my account was being suspended for security reasons, since then I have attempted to communicate with them via phone or email to get issue resolve with no successI am being told that I have violated their terms and conditions and because of this my account has been suspended and money will be on hold for 180 daysI have attempted to find out what policy was violated and I ca n't get an explanation I have also asked why they need to keep my money and receive no real reasonI have detailed emails that I can provide with communication with Paypal on this issue to anyone that would like to reviewThanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
We have had a car loan with PNC Bank for 7 years. We did XXXX extensions during the life of the loan. During this time period my husband lost part of his pay. We have been playing catch-up for a few years now. With the last payment that we had with PNC, the amount of the XXXX extensions was added in. We were sent a bill of {$2600.00}. We paid the {$640.00} on XXXX XXXX, the payment was due on XXXX XXXX, which left an amount of {$2000.00}, I talked with them because we did not have {$2000.00} to give them. On XXXX XXXX, we received a late notice on the {$2000.00} for the amount of {$200.00}. We were able to pay them {$600.00} on the XXXX. I have called them to ask them why such a large late payment. The answer was that it was late, I asked if there could be a reduction to that late charge but I was told that there was nothing that could be done. I then asked for the payoff as of XXXX XXXX and for them to send me the contract. I know that a profit will be made but {$200.00} on {$2000.00} is robbery. It is my hope that this will start a class action suit against such horrible practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA
State: NY

Complaint narrative:
I was on the income based repayment program for about 2 years. During that time, interest continued to accrue which was then capitalized. The reason someone goes on a program like IBR is because their salary is not enough to allow them to make the regular payment. I checked the payment history today. {$68000.00} in INTEREST and {$35000.00} in Principal. The outstanding balance is still very high and accruing interest at 6 % ( higher than private lenders ). The amount I paid for the interest that accrued during IBR should be applied to the Principal. The true middle class of this country is going to be forever burdened with debt if they are paying student loans their entire adult life. If a private lender charged the amounts and had a disproportionate balance as I listed above, they would be in legal trouble for usury but somehow that does n't apply to the federal government. 
Who gets to hold the federal government accountable for this? 
It would also be prudent to allow people the option to have their federal student loan payments deducted from their check pre-tax. This provides the government with a guaranteed payment and saves the borrower from being double taxed- taxed on the income then taxed on the balance of the student loans. This option would provide borrowers with a little extra money in their pockets at the end of the month, perhaps so they can make additional payments on their outrageous student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have had a PayPal account for years, as well as their PayPal Prepaid debit card, also for years, both in good standing. 

Yet, since last Thursday, I have not been able to load my card with money from my PayPal account, even though there is plenty of money in the account, and the card is in working order, by PayPal 's own admission. 

I have called them at least 10 times since last Thursday. Sometimes they tell me it 's a system issue they are trying to resolve ; other times they say it 's website maintenance, other times they simply tell me to keep trying, that they have noted my problem and will fix it. 

But NOTHING has been done. 

I need this issue FIXED ASAP, as that card is my ONLY way of making purchases in-person at the market, and the drugstore, etc. It 's my ONLY way of accessing my funds from my PayPal account. 

Every time I speak to a rep ( in XXXX ), they put me through a whole circus of hoops to jump through, only to tell me the same excuses I listed above. 

HELP! 

I do not work for a living anymore, as I 'm an XXXX patient and am nearly homebound. That card is my only way of making purchases, such as for medicine. 

HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: TOWNE MORTGAGE COMPANY
State: TX

Complaint narrative:
Towne Mortgage is a company that purchased a home sometime this year from XXXX, a company that held a mortgage on which I filed chapter XXXX bankruptcy and had discharged in XXXX 2014. Towne Mortgage has fraudulently reported on my credit report that I have an account with them that was included in bankruptcy, so that it seems I have XXXX mortgage accounts that have been included in bankruptcy. I have never held an account with them and because the loan was discharged, I was legally no longer obligated to this home or loan. Since they have recently purchased this home, it has began to appear on my credit reports in the last 2 months and has negatively affected my credit score. I have provided proof to the company that this account is also showing with a balance owed on my XXXX report and is being reported twice by Towne Mortgage on my XXXX report. I have been back and forth with Towne Mortgage for the last 3 months over the inaccurate reporting and the negative impact it has had on my score and subsequent ability to gain credit. They have yet to resolve the issue. As I have explained to them, as well as my bankruptcy attorney, once the debt was discharged, they do not have the right to report anything on my credit report regarding the debt, since they were not the holders of such when it was discharged and the loan was not reaffirmed after my bankruptcy. XXXX XXXX has correctly reported the debt, and it reports on all XXXX as included in BKP, as it should. XXXX Mortgage has never been a holder of any debt that I am responsible for, therefore should not be reporting anything on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I submitted a complaint last XXXX to the CFB regarding PayPal and a dispute that I had with them from XX/XX/2006 PayPal told the CFB that they lifted the restriction on my account however they continue to place an undue burden on me utilizing the service in light of this. Frequently holding funds from transactions several weeks and issuing only generic email responses and not answering my calls when I call to complain. As a consumer this places an undue burden on me when I sell something on Ebay and have to wait an inordinate and uncustomary amount of time to receive my funds when post people receive their funds instantly from items they have sold and mailed. Yes, they even hold my funds after I have mailed and sent the items with a tracking number. This is particularly egregious because customers who purchase from the site have no alternatives to pay for products. Ebay who owns Paypal forces consumers to use their payment processing service PayPal. So I am stuck with no response from the organization and I am continuing to be punished for a matter from 9 years ago that I thought we resolved last XXXX XXXX with Case number : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I used Paypal to make a $ XXXX monthly recurring donation to the charity " XXXX ''. The first donation was on XXXX XXXX 2016, and I used my XXXX credit card to make the transaction. I assumed the second and future donations would use this same payment method since I set it up to be recurring. However, on XXXX XXXX 2016, the funding source used for the second donation was my XXXX checking account that I have on file in my Paypal wallet. This is n't even my main checking account I use on Paypal, which is XXXX. And this change was done without my knowledge. I did not have sufficient funds in that XXXX checking account, which caused me a {$35.00} overdraft from XXXX. 

Why is Paypal allowed to default to another payment method which was different than the one I had selected for the first in the series of recurrent payments? It completely took me by surprise, and I was not informed in any way when I set up the payment, that my future payment methods would be changed automatically.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
I bought a car and was financed through credit acceptance lender in XXXX in XXXX, NY. About 3 months after purchasing and making my payments on time, I was leaving from work and the vehicle did not start. When I called credit acceptance they told me I owed them {$100.00} but could not give me details as to why I owed, and told me that the car was disabled until u paid it. This was the beginning to my problems and I was paying {$450.00} for a XXXX XXXX. As time went on and I continued making my payments..there were times in which I did not get paid until 3-4 days after car payment was due, and my vehicle would be disabled and put into repossession mode in which they could pick the car up and charge me the fees it would cost for repo as well as the car payment. If this company is suppose to help build credit, why are they allowed to continue to charge fees at ridiculous rates to keep people or worsen their credit building process. Im so confused, because this should be illegal. Furthermore I have had my car repossessed, even when my car payment was made on time and the vehicle was n't even disabled! When I called credit acceptance with the repossession guy awaiting to see what was to happen, they said that the car was in repossession. So the guy took the car. I called back later that day after checking my bank statements and reviewed in fact that my payment was made, they told me it was a mistake on their behalf and went on to tell me that I was still responsible for the repo fees of {$250.00} in order to obtain my car back. This was it for me. I paid the {$250.00} and started looking for another vehicle and the following month did a volunary repossession. Now they have been trying to sue me for the difference of {$6000.00}. Retail price at purchase with the {$10000.00} interest rate was {$28000.00}. I drive the car for 3 years and paid off over {$16000.00} for a car worth {$10000.00} initially. I feel like something needs to be done because this company is ripping people off in somewhat a legal way, but faces itself as fraudulent. I just want them to call it even and stop jeopardizing my credit that I have been working so hard to clear up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
PayPal is holding onto funds for a transaction that was fulfilled more than 2 weeks ago. 

On XXXX XXXX I sold a laptop on eBay and shipped it using XXXX the next day for a 24 hour delivery. By Wednesday the buyer had the laptop and at that time PayPal should have released the funds. 

Instead they claim that they did not receive a valid tracking number, which is patently false and which I attempted to help fix by re-sending them the tracking details XXXX3 times. The package was sent via XXXX : XXXX with XXXX number XXXX. It was provided to PayPal on the date of shipping. 

When I did not receive the funds after 7 days, I attempted to escalate the case directly with PayPal and again sent them the tracking details which they claimed were not valid ( several times ). I tried again escalating the case but I only ever received automated messages telling me the tracking details were invalid or other irrelevant or erroneous facts such as claiming my account was too new. My account with PayPal & eBay has been in constant use with only positive feedback for more than a decade. 

It is my belief they are holding onto funds, in this case {$600.00}, for longer periods in order to generate interest while they hold it for more than 21 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-05 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Account Management Services, Inc.
State: CA

Complaint narrative:
I paid my medical bill in full XX/XX/XXXX. I started receiving phone calls stating that I had paid too much, and that I needed to submit a separate payment to reach the total. I have been receiving phone calls since XX/XX/XXXX, and with each call I request that they send an invoice to validate the debt. The phone calls increase in quantity and hostility.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I purchased a coat in XXXX 2014 on Ebay and used my Paypal account. The coat was NOT the real thing and I was told by the seller in XXXX XXXX to send it back using USPS and I would be refunded the money. The cost of the coat was {$400.00} I had it insured. The seller in XXXX XXXX claims she never received it. The USPS says it was delivered and gave me a delivery receipt. Filed a complaint with PayPal and they denied it because it was 45 days after the purchase. Now I do n't have the coat and I am obliged to pay the {$400.00} to PayPal with interest. I filed a complaint with XXXX. to no avail. 
This is fraud and PayPal should stand behind their paying customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-31 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I made my first purchase with Pay Pal XXXX, 2015 and it was a promotional purchase. I 've asked to have my payment post on that purchase, but I learned they have n't been doing that until last month and now this month. The have me calling every month to put that money on that purchase and if I dont call they will place the payments somewhere else. Also I returned an item which they gave me credit for but they refuse to take it out of the promotional purchases and have it collecting interest. How am I going to pay interest in something I returned? I just made the call for this month and was told it was good for me to have the returned purchase still collecting interest. I dont know what else to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-01 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I contacted my card services at Payal. After having difficulty with them on several occasions I sought an accommodation under the XXXX to try and avoid repeated hang ups. I was told that Paypal does not accommodate people with XXXX, that it was not a XXXX they deal with and that they are an online company so they do not need to comply with the XXXX or giving me equal access to good services and my money. Further they suspended my card while travelling and did not have anybody available to un-suspend my card. While travelling, most people have deadlines, them suspending my card and not being available to turn it back on and then hanging up on me because I needed my funds and became stressed when they where not available. XXXX Id XXXX refused to give me an accommodation and stated she does not do " that '' I asked to speak to someone who could accommodate my XXXX but XXXX hung up on me after threatening me that I would not be served by anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: FACTUAL DATA CORP.
State: SC

Complaint narrative:
There was a judgment filed on me several years ago, but it has been paid in full. The judgment is still showing as active. My wife and I refinanced our home in 2012 and at that time we paid off the judgment. I will attach a copy of our HUD Settlement Statement.

Company response to consumer: Closed with explanation