vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Meridian Financial Services, Inc.
State: WA

Complaint narrative:
I started receiving numerous " Restricted '' phone calls from a XXXX XXXX. He asked for information on whether someone would be available at an address they had on file so that the person they had on file may personally receive and sign for a document. I asked for more information and he would not provide any details so I hung up the phone. XXXX called back, I answered and told him that if he did n't have any additional information, that I was n't going to provide any additional information and I hung up. XXXX called again, this time I told him that if he wanted to communicate with this person that they could communicate only by mail. He said they could n't send this by mail, it had to be hand delivered. I said if this was collection related, by law they had to abide by the Fair Debt Collection Practices Act and I requested all validation of any debt be mailed to the address they had on file and to never call this number again. He then said that he was going to call me however many times he felt like calling. I hung up the phone. He called again and I recorded the conversation. This time, he proceeded to include information about a phone number and a case number I could call to retrieve more information and he hung up. Not sure why I need to call a number to retrieve more information after he harassed me with XXXX phone calls. Less than a week later, another restricted number starts calling me non-stop for 15 minutes. I finally called the number he provided and asked for them to identify the company I was calling, he said it was the filing department for Meridian Financial.

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 2016-07-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
Paypal Credit is requesting a high minimum payment, well over XXXX, I do not have exact amount available to me. They refuse to lower amount, will not work it out. They claim they have offered a payment arrangement but have not received any such offer. Even so, an arrangement does not lower the payment amount due, rather sets up future payments, does not waive any fees related to over limit/past due balance. Calls have been made, which they conveniently have no record of, to lower payment amount. The calls is transfered to collections who are more interested in just getting any kind of payment rather than lowering amount due. Its a shame they are not more cooperative as they will need to lower payment amount due if they wish to see any kind of payment at all. I understand they have referred account to a collection agency, this also applies to them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: Paypal Holdings, Inc
State: NE

Complaint narrative:
I would like to file a formal complaint. I have a Paypal Credit account that unlike many other credit account allows for " flex '' in the credit limit. This flex allows for charges to appear to go through and be approved to be charged to PayPal Credit but in turn charge through directly to a linked checking account. This form of lending does n't seem to be fair. If the transaction is approved by PayPal, the charge on the account should be honored rather than forwarding it to the checking account. Having these additional charges go through after they appear to have been approved has caused overdrafts on checking causing me to be in bad standing with my primary financial institution. This is deceptive lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MORTGAGE CLEARING CORPORATION
State: OK

Complaint narrative:
Per letter dated XXXX XXXX, 2016, Mortgage Clearing Corporation would begin servicing my loan 15 days from the date of the letter. I have called multiple times but have still not received a coupon book or monthly statement.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Curo Inc.
State: CA

Complaint narrative:
I received a call at work and my coworker answer she said there was a XXXX XXXX on the phone and that it was regarding an urgent family matter as soon as I got on the phone, this man said he was a case processor and said that there was XXXX complaints against me by the state of California and that if I would like to speak with an attorney to do so and he said it was regarding a payday loan that was unpaid and that they were going to sue me? He had also left a voicemail on my phone saying good luck to you in th next couple days. I found this very harassing

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
ACE CASH EXPRESS WONT STOP HARRASSING ME AND KEEPS MAKING THREATS TO PLACE ME UNDER ARREST. I TOLD THEM I LOST MY JOB AND COULD NOT PAY OFF THE LOAN, I ALSO ASKED IF I COULD MAKE PAYMENTS, AND THEY SAID NO, AND TOLD ME TO GO GET A JOB AT XXXX OR ELSE THEY WILL PRESS FELONY CHARGES AGAINST ME. MY BANK WAS WITH XXXX XXXX, WHEN I HAD MY ACCOUNT OPEN, I ASKED THEM TO DIFFER A PAYMENT OR FOR AN EXTENTION AND THEY REFUSED AND KEPT CHARGING MY ACCOUNT UNTIL I WAS FORCED TO CLOSE MY ACCOUNT BECAUSE OF NSF FEES. I HAVE NO IDEA WHAT TO DO. PLEASE HELP!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: RFNA, LP
State: MS

Complaint narrative:
Employees of this office were the not truthful about payoff amount. Employees were very rude and not professional. This business leave derogatory remarks on your credit report even when you are up to date on payments, or when you pay off loan early.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Someone used my paypal account and linked XXXX XXXX checking account to make XXXX transactions NOT authorized by me. XXXX happened on XXXX for {$220.00} from code XXXX and XXXX on XXXX for {$210.00} from XXXX ( notes saying code XXXX ). Paypal was able to refund the first but closed the second with nothing found.I changed passwords since then, today, on getting the resolution, I was again not able to log into paypal and had to reset passwords again. 
Simple XXXX search for XXXX " site may be hacked ''. This looks like a broad issue, where someone tried and was able to move the money outside US and now paypal is not helping looking into issue. I dont have any way to disconnect my bank from paypal and paypal allows people to pull money from bank instead of CC even my setting is to use CC first. 
This is unauthorized and I dont even know these people/firm/company or ordered anything from them. I need help to resolve and get my money back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-23 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
Paypal held funds exceeding {$1800.00} on an item I sold on Ebay. The buyer even left positive feedback the item was received. Nevertheless, Paypal held the funds for over 21 days in violation of the Electronic Fund Transfer Act, and in spite of my complaints in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 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: I.C. System, Inc.
State: SC

Complaint narrative:
The collection company has ignored my request to validate the debt and continues to report the alleged debt even after I have disputed the validity of the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: Paypal Holdings, Inc
State: NE

Complaint narrative:
I was scammed in XX/XX/XXXX by my credit card company and pay palcredit. I purchaced an item on line using my credit card only and was billedthru pay pal credit, opening an account without my permission. I believe mycredit card issuer gave personal info to pay pal credit without my authorizationin violation of their privacy statement. I believe they did this for a fee. I madecontact with pay pal credit, my card issuer, and paypal themselves to reversethis charge and close my pay pal credit account. all refused and I was billedfor fees, my credit card was cancelled, I lost points from my card and I believemy credit has suffered. I have documented the times, dates, and who I talkedto at each step. I noticed in the press release yesterday there was scant inforegarding credit card companies taking a kickback for releasing protected infoof consumers. this is what I believe happened in my case. any info you cansend me would help. I was not able to get our states consumer fraud divisionmotivated in XX/XX/XXXX to even look into the problem. even with yourpublicity yesterday they will not open even an inquiry in spite of knowing thedeceptive practices of pay pal credit and my credit card company. I wouldlike my credit card companies to honor their own privacy statements or letthe consumer know they will be releasing ss # and other personal info fromthe credit card application to others who will open accounts in their name w/othe consumers knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-05 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
In XXXX 2015, I received XXXX separate deposits of {$100.00} each on the same day to my paypal account. I immediately requested the total amount of {$200.00} to be transferred from my paypal account to my checking account. It is months later and I still do not have the {$200.00}. I reached out to paypal numerous times by phone and email to try to resolve this issue and still have no resolution. I just want my money. I have even had successful transactions since so there is n't an issue with my accounts nor my account numbers. They are in violation of the California state 's Money Transmission Act section 1841 which reads : '' Every licensee or its agent shall forward all money received for transmission or give instructions committing equivalent money to the person designated by the customer within 10 days after receiving that money, unless otherwise ordered by his or her customer. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I had an XXXX done and I was under XXXX help in the state of NJ. XXXX hospital in NJ. The hospital knew that I was unemployed at the time because of my XXXX XXXX having gone through XXXX different XXXX in under 1.5 years. And yet they sent me to a XXXX who was outside of the XXXX network who of course billed me after the procedure was complete. 
The Hospital knew that the procedure was imperitive and yet they chose to send to a doctor who was outside of their network. Though I had asked them repeatedly about sending to a doctor inside of their network so I 'd be protected under the state XXXX program and insurance. Now i have an outstanding debt on my collections for the amount of about $ {$1700.00} and it is affecting my credit ratings. Please advice me as I do n't know how to move forward to have this taken off my credit records. Thank you for your assistance. My email is ( XXXXXXXXXXXX ). Name : 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 2016-02-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
We bought a range online and were offered an option to use PayPal line of credit. We accepted and they approved for slightly more than the purchase price. 

They then refused to honor the credit line for that same purchase saying it was a new account so we needed to develop a history with them. 

The reps were unhelpful and acknowledged that this happens as " they advertise at point of purchase '' and then decide whether they will let you use the whole credit line. The supervisor, XXXX XXXX in the Maryland office was particularly rude and unhelpful. 

Locking the credit is ridiculous as they extended it specifically to buy this product and have now stuck us with an unwanted line of credit. If we close and get somewhere else it will impact our credit. It is a classic bait and switch to get us to open the credit line and then not let us use it or even appeal to a department in PayPal Security. 

Their reps and supervisors say nothing can be done. No one can take the security block off. They obniously have heard this complaint before. 

This is clearly a scam, funded by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc.
State: OH

Complaint narrative:
We receive calls from this business for months. They do not leave any message, or reason for calling. Finally I called them by using caller ID. They are looking for someone I do not know, and they are a collection agency. 

I pay all my bills promptly, and do not deserve to be harassed for someone else 's debts. 

The collection industry is XXXX I have avoided for XXXX years. I do not want to hear from any of them ever. They are ruining my mornings. 

Why are they allowed to do that? The Do Not Call rules appear to give them permission. How come?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Correspondence dated XXXX XXXX, 2016 documents an attempt to collect {$440.00} which they state is owed to PayPal. A telephone conversation with a PayPal representative indicated that my PayPal account balance this morning is {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: OH

Complaint narrative:
I am so very frustrated with PHH Mortgage. My loan has been there since XX/XX/2015. I travel and need to ensure that my payment is made so I typically make my payment online and am charged a {$7.00} fee for making a payment. When I inquired about the fee I was told that if I went paperless it would be waived. This is not right as I want the hard copy and have been in the mortgage business for 30 years. I just made a payment over the phone and was again charge another {$7.00} fee. Please someone stop them. The last time I called they put me on hold and left me. This mortgage company is terrible and if I could I would get out

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
This is the second formal complaint I am filing against PayPal because they are dishonestly preventing my law firm clients from paying me by credit card for 30 days or more by forcing me to continue to unlawfully, unethically, and immorally verify my account again and again, time after time, for this the 6th time in less than 3 months, simply because I keyed a payment in based on a faxed and signed retainer agreement from a client rather than an in-person swiping of the card, and using that as a pre-text to hold on to my money ( last transaction they kept {$2000.00} out of a {$2500.00} credit card payment ) and then once again " limiting my account '' so that I could no longer accept credit cards or get access to my money which I desperately need to pay court ordered child support, rent, phone bills, or other necessities for me and my minor children to live. 

PayPal does not even let you know beforehand that they engage in this type of unfair and deceptive trade practice with any degree of notice ( I am a XXXX for 15 years and even I missed any notice, if there even was any, so I can not imagine a XXXX knowing about this ). 

PayPal also neglected to tell me that I can actually " invoice '' my clients by emailing them a bill, which they can immediately pay online, which sends money directly into my account, but of course they do n't want to tell their clients about this because then how else could they steal and collect interest on your hard-earned money for a minimum of 30 days? 

Fraud, deception, and unfair trade and business practices is apparently part of their business model, and their customer support, all of whom who are apparently XXXX speakers, do n't even understand their business model let along able to explain it you. 

PayPal 's actions are exposing my minor children to starvation and me to jail or loss of XXXX for non-payment of court ordered child support and home/office eviction simply because they want to dishonestly and deceptively hold on to my money ( after they have collected their large finance fee ), collect the interest thereon, and otherwise XXXX their customers in violation of both law and ethics. I demand that PayPal release my help up {$2000.00} immediately as I desperately require my rightfully earned funds from my XXXX clients. If my money is not returned I demand a formal criminal and civil investigation and indictment of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I keep receiving repeated calls from the number XXXX. I answered the phone once when they called and nobody spoke. I looked on the internet and it says they are a collection agency. They call my number twice a day everyday and have continued calling me for the past two months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: FACTUAL DATA CORP.
State: IL

Complaint narrative:
I recently received my credit report via a loaner, and realized the report includes unknown person 's name.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I have had a Paypal account for over a decade and use it for a variety of purposes. Three months ago, Paypal froze my account ( and withdrawal ability ), which contains {$1300.00}. I emailed their compliance department, but my request for the funds was denied. 

I have been using one of their products, MyCash, for over a year, in order to fund my account. Paypal 's TOS states that MyCash can not be " withdrawn to a bank, online bank, ATM, or prepaid card. '' I have followed this policy, and have challenged them to find a counterexample example in my transaction records. 

However, Paypal has not cited any example ( despite my request ) of how I violated their policy -- so I am completely in the dark! In addition, the contact information in their email to me appears to not lead to the right department. When I have called them ( twice ), they have given me scripted responses without any investigation. I believe I am entitled to a proper, respectful, and reasonable response as they are holding {$1300.00} of my money and not returning it. 
-- -- -- -- -- -- My email to their compliance department : Paypal Customer Service instructed me to email you in order to resolve the above case -- I 'd like to get more information about why the account has been limited and what led to the restriction. My basic understanding is that Paypal My Cash is to be used for Retail transactions only. I am certain that I followed this policy and need this case to be examined. 

1 ) Are there any specific transactions that were against Paypal policy? If so, can you please list these transactions? 
2 ) My account balance is {$1300.00}. This amount has been restricted for 77 days. When will these funds be available for withdrawal? 
-- -- -- -- -- -- Their response : For the safety and security of the PayPal network, we often review accounts for potential risks. After reviewing your account, we have decided to close it because of security issues. Below is part of the email that was sent in regards to the use of the My Cash product. 
We 're not sure you 're aware but it appears the MyCash has been used for deposits to your PayPal account, and those deposits have been withdrawn to a bank, online bank, ATM, or prepaid card. The MyCash feature is for making deposits to your PayPal account for retail purchases. If we continue to see this activity of using the MyCash with your PayPal account for cash withdrawals, we may have to limit or close your PayPal account. Unfortunately due to the continued use of the product as aforementioned, your account has been limited. 
Money in your PayPal account will be held for 180 days. After 180 days, we 'll email you information on how to receive your funds. 
We regret any inconvenience this may cause. 
-- -- -- -- -- --

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: FL

Complaint narrative:
They call me 2-3 times EVERYDAY, they do not tell me who is calling. They just call and hang up after I answer, i receive their calls from XXXX to XXXX consistently waking my family.

Company response to consumer: Closed with explanation