vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-09 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I use paypal to transfer funds for payment and receipt of payment. 

With respect to payment receipts, paypal recently revised their system to report the amount that was sent to me as the funds transfer total without any regard to the net amount after paypal removes its fee. thus, paypal is over reporting each funds transfer and my total account balance. when asked, paypal states that they can not do anything about this because of their recent changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
This situation revolved around who ebay and Paypal interact with one another. My understanding is that at one time the two companies were one. They have since been separated and ownership for each is totally independent. However, ebay 's money transaction service is still Paypal. Even debit/credit transactions that use, for example, a XXXX debit card, are processed thru Paypal. They are many rules that are in force by both ebay and Paypal that determine when the funds are collected from the buyer and when the seller receives the funds. For example, I am a buyer on ebay, I purchase an item from a seller using my XXXX debit card. The funds are immediately withdrawn from my bank account. There are many paths that a transaction can take before the seller has there Paypal account, you can not have your mastercard debit card credited, it must first go to your paypal account and then a request can be made by the seller to have their debut card credited. 

Ok, that is a brief description above of a given process. There are many processes that ebay and Paypal use, depending on their rules and regulations as the time the seller receives the money, first in their Paypal account, which pends the money, in most cases 10 or more days, and then is available to the seller. In the meantime, the dollars remain in either an ebay or Paypal account. That is a lot of money, held onto by these companies before the transactions are completed and the funds that were taken from the buyer and given to the seller takes place. 

IS THIS LEGAL?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-22 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: NJ

Complaint narrative:
Good Morning, I am submitting a claim against IC Systems collection agency and there effort to collect on an account that is current and not past due. This company has been trying to get me to pay on my cell account that I still have to this day sating that XXXX told them this account is closed and past due. This morning I went online and saved the statement and it has a credit and nothing owed. Please also IC Systems has put a derogatory collection account on my credit reports that has damaged my credit and needs to be removed immediately

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 2016-08-28 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Google Compare Credit Cards Inc.

Complaint narrative:
I put money on my google voice account in 2011 when I studied abroad. I added {$25.00} in 2011, of which {$19.00} is still available for my use. I am getting spam telling me that I have " loans due '' and " owe the IRS '' ( probably its own complaint -- I know the IRS sends letters ). To stop getting these annoying messages, I asked for a refund of my money from google so I could close the account. Google refuses to refund credit from over a year ago ( even though I could still USE it ). I 'm in the military and I 'd just like my {$19.00} back and for the annoying messages to stop. I 'd lose that money to get the messages to stop, and Google says it gets to keep it. I do n't think that 's right. Please let me know if you 'd like a transcript of the conversation with google.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I attempted to make a payment through PayPal as the public agency I was paying said they only took PayPal payments. I have a PayPal account I never use so I went to it and assumed my payment would either be directly from my checking account or from the credit card I have on file. Instead they established a credit account in my name that I DID NOT REQUEST and then proceeded to do an unauthorized hard inquiry on my credit report. I called them and they did quickly charge my credit card and cancel the line of credit they had established. My sense in talking to their agent was that PayPal clearly recognized that what they did was unauthorized, but said they could not erase the hard inquiry. They were doing exactly what the CFPB and PayPal reached an agreement that they cease doing and for which they paid an inadequate fine. They claimed I authorized the credit account as it was hidden somewhere in the agreement I made when I authorized the payment. It was completely unclear to me that that was what I was doing or that that was their intention. It is clear, however, that they set up their system so it automatically creates a credit line so when you think you are paying directly with PayPal you are in fact establishing credit with them. Your fine is obviously inadequate since it is clear that this business is profitable enough that paying the fine is just a cost of doing business and not a disincentive for dishonest activity. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 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: TX

Complaint narrative:
Opened an electric account with XXXX back in XXXX/XXXX/2014. 
The account, however, was closed ten months later due to irregularities in billing and the fact that such account was been inflated with excessive fees.The problems revolves around the fact that after having closed the account for such reason.I.C SYSTEM Inc a collection agency on behalf of XXXX has engaged in practices I consider to be instigative and harrassive.Since they have continued to call my house in order to demand payment for early termination fees. despite the fact that I never entered into contract with XXXX.

Company response to consumer: Closed
Consumer complaint received 2016-09-06 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: AZ

Complaint narrative:
Received debt collection notice from IC System for XXXX XXXX for {$83.00}. This is not my bill I have n't had XXXX for probably 20 years or close to it. Called IC System and they said this is due to be reported on my credit XXXX XXXX. I can call back in 30 days to check on dispute. I want this resolved immediately. I have good credit and this is not my bill. Account # XXXX and IC System reference # 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 2016-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: I.C. System, Inc.
State: AR

Complaint narrative:
Ok, so I have been receiving phone calls from XXXX phone number for the last few days. On the morning of Thursday XXXX/XXXX/2016 I received yet another one. So being fed up with it, I answered and said hello. All they would say and repeat was that they needed to confirm they were speaking with a XXXX XXXX ( which is me ) before they could disclose any further information. I stated that in that case I would not be providing them any further information on my part and hung up. My thinking was " wait a second ''. You want to call my phone and start demanding I provide or confirm for you personal information about myself while refusing to provide me with information. Not ok!. So being that I am a Police Sgt, I went into investigative mode and started digging to see if I could find out anything based on the phone number I had from them. I discovered that it was a collection business called IC Systems. I further found hundreds of complaints from other people following their dealing with this company. So I returned a phone call to them and asked to speak with a supervisor. Once he was on the phone he also repeated the same line about needing to confirm who I was before he could provide any further information. I explained to him again that I would not be providing any personal information and since he or his company were the ones who had contacted me, they needed to be the ones that were forth coming with information, since I had no way to " prove '' who he was. I also explained that I viewed their telephone communication with me to be harassment and that I demanded my number be removed from their calling list. He said that he could do that and would. If I owe a debt that I am unaware of fine, but how about calling and saying, Yes this is so and so and we have been retained by so and so to attempt to collect a debt that they claim you owe them. At this point I would have the ability to research for myself if I had forgotten something and get back with them. But no, they chose to try and act all secretive and shadowy which if they are legit in their pursuit, it is a very poor way of handling business. I ask that you as a consumer protection agency, please assist me with dealing with this matter. Thank you in Advance

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I have been charged back a payment I received from a friend 's husband/boyfriend for {$250.00} ( because the funds were paid to paypal with a credit card and the payer subsequently disputed the transaction an unauthorized ) and was charged an additional {$20.00} fee. I was asked by this couple to receive their funds and XXXX XXXX them the cash becaue they did not have access to their paypal card. They sent me several amounts and I provided paypal with documentation that I then sent the funds via XXXX XXXX to the couple. The couple is defrauding paypal and paypal, who accepted the " unauthorized '' credit transaction, has transferred the liability to me. Which is illegal. Upon several calls totaling about two hours, paypal has maintained that they will continue to charge my account for the " fraudulent '' transaction that they accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
PayPal has failed to comply with the Fair Credit Reporting Act by taking adverse action against me and refusing to provide the name, address, and phone number of the agency that provided them with the consumer report they used so that I may obtain a free copy in order to dispute the inaccurate information contained there in. 

1 ) PayPal uses a verification process that includes matching your phone number to a consumer report. 
2 ) If PayPal does not match your phone number, they take adverse action against you by restricting how much money you can withdraw, refusing to allow you to connect your bank account for withdrawals, and charging you to receive a check. 
3 ) This action applies only to consumers who do not pass their verification process. 
4 ) I submitted my own phone number registered in my name. 
5 ) When PayPal ran their check, they said it was not mine. 
6 XXXX PayPal failed to provide the name of the reporting agency they used even after I requested that they do so. 
7 ) When I specifically referenced the FCRA, PayPal said they refused to owner requests for information by individuals and required a subpoena from an attorney or law enforcement XXXX. 
8 XXXX These actions are preventing me from learning what consumer reporting agency has inaccurate information about me so that I can correct it. 
9 ) It has also cost me money to receive checks rather than direct deposits that I would not have paid but for PayPal 's taking adverse action based on information in my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
Unknown collection and outdated, please remove

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
A couple months ago, I was completing a transaction online and using my PayPal account was an option. As part of the checkout process, I was asked for my name and birth date. I thought they were updating their records. I came to learn they were issuing me a credit line for {$5000.00} through PayPal Credit, which I did not want. I was annoyed by this, but not enough to do anything. Instead, I resolved never to use it. I would opt out in favor of the credit card they had on file. XXXX day, about a month ago, as I was signing into my PayPal Account to complete another transaction, I was automatically checked out with PayPal Credit for {$15.00} and some change! I was not given the option to opt out. I paid it in full, contacted them immediately and told them that their lending practices were deceptive and predatory and that I wanted them to cancel the card. Instead, they sent me a return email, asking me to contact them to discuss the issue. I called on XXXX and cancelled the card. 
I consider myself fairly savvy and for this to happen to me means that it could happen to anyone. Basically, PayPal Credit co-opted a portion of my good name and credit without my knowing it. Now, I have to take a hit to my credit score for closing the account. 
I understand that they were fined {$25.00} XXXX in the spring for this kind of behavior. There are those who do n't think it was nearly enough! That is apparently the case, as I am living proof that the practices for which they were fined continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Sent a payment for a hotel to a friend using PayPal. In the notes, I wrote XXXX hotel. The status went to pending and PayPal requested information. I stated that it was a legal trip ( Americans are allowed to XXXX ). It has now been 5 weeks and my money has not been sent or refunded. I have contacted PayPal several times via phone and email to get this matter resolved and I 'm told every time it would be resolved in 72 hours but no resolution has yet to cut. Even worse PayPal will not return my money or allow me to close my account. I feel that this company has stolen money from me that it will not return

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-17 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I had an account with Pay Pay Credit for several years. They sent me monthly statements to my email address and that would serve as my reminder of how much I owed and to pay my bill on line. For the past several months I no longer received a monthly statement ( though I would still receive an email when I made a transaction ). I occurred a late charge in XXXX of {$30.00} for a balance that was under {$130.00}. I complained to Pay Pay credit that I have not been rec'ing a monthly statement, customer service told me there was nothing that they could do and I cancelled my account. I asked Pay Pay credit customer service to start sending me a paper statement. In XXXX I did n't receive a statement and went on-line to pay my bill and again was a day late therefore I was charged a {$30.00} late fee again on a balance that was under {$100.00}! I called Customer Service again they said they could n't help me and that they would n't take off the late fee! They can not prove that they are sending me monthly statements! They are purposely not sending me a monthly bill so that I can keep paying high penalties on my low balance! They are cheating me out of money and they ARE NOT sending me a monthly bill ... I 've checked my email, junk mail and deleted mail and there has never been a statement or monthly bill sent to my email address on record -

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK
State: DE

Complaint narrative:
1. I opened my discover card 5 years ago, which was my first credit card trade in my bureau. This card was about to expire in XXXX 2015. Instead of reissuing a same number card w/ later expiration date like other issuers do, discovercard closed my old credit card account and issued a card w/ new number. And when I looked into my credit bureau information, i noticed that my credit history was shortened for nearly 48 months, which is critical since being an immigrant, I only have 5 years credit history. 
2. when i logged in my discover account today, I received a mail stating that discover makes a business decision of closing my account based on my account information. I am always a normal consumer, never being past due and did n't see any legit reason of being close. I have n't felt so furious before and felt like being treated unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
At the bigginin of XXXX XX/XX/2015 I opened up a bank account at a company called PayPal. They said they could arrange the processing of my credit card transactions and would divert the money to their own account with the understanding that it was my money and they were only holding it for me as my agent and fiduciary. I deposited around {$2500.00} over the next few weeks. On XXXX XXXX, XX/XX/2015 I attempted to transfer my money out of their account and into my account using ACH. Paypal refused the transfer and told me they have decided to keep my funds and there was nothing I could do about it. I contacted the Georgia Department XXXX and was informed Paypal has no right to operated as an internet bank in Georgia as they have never applied for a banking license. I have since filed a lawsuit in small claims court and learned during my research of Paypal that what has happened to me has happened to thousand 's of individuals across the United States. Paypal routinely seizes money and actually has the chutzpah to claim we have no right to now why. I have also learned that Paypal takes all depositors monies and invests it in anything it chooses to to make interest while paying depositors ( like me ) nothing. This is all fine unless and until Paypal looses all the money investing in XXXX XXXX and we all become unsecured creditors in a bankruptcy proceeding with little to no change off ever receiving anything back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-08-09 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX XXXX XXXX on or about XX/XX/XXXX on Equifax. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XXXX I mailed via certified mail a letter to the XXXX credit bureaus a letter listing a total of XXXX accounts that were fraudulent, the following accounts were sent : XXXX XXXX, XXXX XXXX Bank as well as XXXX XXXX. I submitted a complete Identity Theft Packet, which included a letter itemizing the accounts that were fraudulent, a copy of the credit report circling the fraud accounts, a police report, an ID Theft Affidavit and lastly a copy of my driver 's license and social security card. XXXX deleted the accounts, however Equifax has done nothing with the information I submitted to them. I called Equifax today, XXXX XXXX, and they have done nothing with the documents initially submitted. They also refused to comply with the FCRA in regards to them placing a block within 4 days of them receiving documentation of fraud. I have spoken with various representatives and supervisors there who refused to comply with the law. I spoke with XXXX XXXX representative XXXX, XXXX XXXX representative XXXX, XXXX XXXX floor Supervisor ), and lastly XXXX XXXX Supervisor of XXXX XXXX ) all of which are in the Fraud Department. Please help as they willfully violate the law!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Outstanding bill for XXXX XXXX was sent to collection agency. I paid it in full but the collection agency is still looking for payment from me.

Company response to consumer: Closed with explanation