vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-27 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Paypal Holdings, Inc

Complaint narrative:
I received a letter from XXXX XXXX XXXX regarding a XXXX debt of XXXX. The letter was addressed to XXXX XXXX, which is not my name, but sent to my address. I know nothing of this debt and tried phoning the number in their letter to explain this. However, every time I attempted to press Option XXXX I was directed back to the Options menu again. I wrote to the company instead explaining that I was not XXXX XXXX and knew nothing of this debt and asking them not to contact me again. However, my letter was ignored and I now receive daily automated phone calls urging me to telephone them, despite the fact I am registered with the TPS. Although I have blocked their calls, they leave an automated message. 
Yesterday, I received a letter from XXXX, another debt collection company, again addressed to XXXX XXXX, and this time the debt is for XXXX due to XXXX XXXX. Again, I have written to them to inform them I do not owe this money and I am not XXXX XXXX. The letter was sent by recorded delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
I am contacting your agency because I need your help in disputing some charges done on my PayPal Credit by a fraudulent company. I have paid several companies thousands of dollars for various online business related and have found myself as a victim of a professionally orchestrated scam. After I paid XXXX company my phone got inundated with calls from these companies offering me their services. I would like you to investigate a {$3400.00} charge done on my card by iePlexus charged on XX/XX/2016. I realized I paid thousands of dollars for these companies. I have been lied to and charged for services that have not been provided as promised. They have used false and misleading tactics and it is clear that they never intended to fulfill their end of the deal. I tried to resolve directly with and get my refund but they ignored my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-24 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK
State: MN

Complaint narrative:
I called the XXXX. They quickly transferred me to XXXX. Who once again immediately dismissed my claim. And stated that they just administer based on the warranty provided to them by Discover. XXXX provided me a copy of the warranty in place in XXXX. I questioned the language and showed him where I was confused based on his denial. He stated that he was not allowed to change or interpret the language. But was instructed to deny the claim based on the language. The language in question is that of a " Covered Purchase '' XXXX Warranty defines Covered Purchase as : " personal property, including gifts items, not otherwise excluded, that is purchased in full by the Insured Person using your Discover Card. '' XXXX Warranty defines Covered Purchase as : " personal property, including gift items, not otherwise excluded that is purchased by the Insured Person using your Discover card. " Yet still my claim is denied? The other language change added to the XXXX description included the line : " This coverage only applies if the Insured Person charged the entire cost of the Covered Purchase, less amounts paid with either cash, store credit, gift cards issued by Discover, or other noncard network branded gift cards, to the Insured Person 's Account during the Policy period. This coverage also applies to Covered Purchases that are paid via installment plan, as long as all installments due up to the date of loss have been charged or debited to the Insured Person 's Account. " It appears my exact scenario is what is described in the XXXX language ... And it is how I as the consumer interpreted the original XXXX language. Thus I used my Discover card and Discover rewards, along with a gift card to make the major purchase of a Flat Screen LCD TV. I now feel like the information was misleading and deceptive because I was not made whole by your third party administrator on the benefits that I believed came with my card when I made the TV purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
XX/XX/XXXX I was unable to make house payments. I did paperwork with Flagstar Bank to conduct a short sale. We had aprox XXXX-XXXX offers the bank never responded to any of them. Then I did the Deed In lieu paperwork XX/XX/XXXX. The bank has seem to have accepted the home but did not change the property out of my name. The bank has been paying the property tax on the home since XX/XX/XXXX. This bank has substandard customer service. I have to do forms multiple times. I am XXXX to XXXX in 3 weeks and I need this issue resolved asap.

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 2015-12-02 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: The Regional Adjustment Bureau, Incorporated
State: FL

Complaint narrative:
A debt collection company that bought my student loan has been harassing me and my family members. The company is RAB Inc./Regional Adjustment Bureau Inc. , XXXX. XXXX XXXX, XXXX, XXXX XXXX. I called to discuss with them that right now, I am unemployed and I can not pay the amount they were asking for in full. I told them when I get on my feet, I would call them to set something up. I told them to stop calling my family members in and out-of-state looking for me and asking them where I work when they have my direct contact information. They had called my wife, my wife 's office, my mother-in-law and my sister-in-law after I told them to only contact me. I also asked them to erase the other numbers, which the agent claimed to do, but a week later, they were calling the others again. They also call from different numbers to try to get us to answer the phone. This has been going on for months and my wife even filed a complaint on the National Do Not Call Registry but it has n't stopped the calls.

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 2015-07-30 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Paypal took action to close my account but refuse to refund my money back to me. I 've waited for weeks after my account was closed but they 've still not sent my refund. I do n't understand why they 'll close my account for no reason whatsoever and then refuse to give me the money in the same account they closed.

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 2015-09-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: NC

Complaint narrative:
Please be advised that I.C. System, Inc. has violated the Fair Credit Reporting Act ( FCRA ) by reporting this fraudulent debt and amount to the credit bureaus. If this collection is n't removed immediately from all credit bureaus, I will be moving forward with a formal lawsuit against the company. I 've been in contact with an attorney and have all supporting documentation outlining their failure to adhere to consumer protection laws. If the company does n't remove this immediately and I am forced to proceed with a lawsuit, I 'll also explore the possibility of a class action lawsuit to help the countless other victims that have been damaged by I.C. System 's unlawful practices. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
" PayPal Credit '' gave me a credit line of {$1200.00} to make online purchases at many retailers including Ebay. This account was connected to one of my PayPal accounts which is connected to my Bank " MY COMPLAINT '' PayPal credit authorized and allowed the purchase of a television for {$440.00} from Ebay seller " XXXX '' and I chose the 6 mo payback option..But immediately following the purchase ( 5 minutes ) without warning they reversed the credit which sent the charge through all sources connected to my other PayPal account and my bank for immediate Payment.with not enough funds in my bank to cover the charge. They had no solution to help me. I had to beg and borrow from my friends to get funds in the bank to avoid NSF charges. .After 2 hours on the phone I find basically that no one can fix or explain what happened. Me and my bank account were held hostage to this PayPal credit scam. They finally used my refund from the Seller ( which I had to plead for ) as coladaral to make a Ghost deposit in my bank because my refund though in my PayPal account was n't available for three more days .I still cant believe this happened and that an institution like PayPal can hold a person and their bank account hostage for what I feel is Unfair Lending Practices to say the least. Please tell me that this is illegal and that an attorney will call me with the information on my lawsuit!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Funds were taken from my XXXX XXXX XXXX savings account without my consent. ( XXXX entries on XXXX for {$89.00} each. ) These funds were sent to a fraduulanet Paypal account. I spoke with XXXX, they sent me to Paypal. After waiting over three weeks, PayPal still has not resolved the issue and even tells me that XXXX should reverse the fraudlent ACH.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: ID Analytics, Inc.
State: NJ

Complaint narrative:
I tried to talk to a live person for the credit bureau to freeze my credit report. That bureau, SageStream , LLC Consumer Office, formerly known as IDA Inc. There is never possible to talk to live person in their business hour and only allow me to do voice mail which is so inconvenient. They do not accept foreigners request as they strongly need their list XXXX files to do freeze report. And the files literally give people no way to make freeze done. For example, they want NON-US Person US PASSPORT picture page,, they want Birth certificate where they have no ability to read other language file and if you submit they would not accept them. Weird thing like that can list endless. 
They revoke foreigner 's people right for their own credit report freeze.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Paypal closed my account and is holding the funds for past 4 months. There has been no update what so ever and no one from paypal has got in contacted with me with details on why the money is still with them despite the account being closed 4 months back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERICAN FINANCING CORPORATION
State: NC

Complaint narrative:
My husband and I looked at American financial for a fha home loan. During the initial process the numbers they quoted us was not what they presented to get us to sign but they had greatly padded the loan and all number were much higher. We went with another lender and informed American financial. The second problem came when they drug their feet on transfer of the fha case number to our new lender and after all this they emailed us a bill for {$500.00} for the appraisal when we paid for our appraisal with our current lender. We never signed a letter of intent with American financial and yet they billed us anyway. We did not sign anybody the documents they tried to get us to sign. when we complained to them and told them we were not paying them any money they told both my husband and I different stories of what happened saying it was an automatic process that the appraisal fee was generated because it is attached to the the case number but we took our business to another lender and they had no right to bill is for work our lender is doing. We contacted them repeatedly telling them that we never signed a letter of intent and they knew we had chosen another lender. Why are they monitoring our loan with another lender and trying to bill for work our lender is doing and that we have already paid for.?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-16 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I purchased a number of items via Paypal on eBay. I asked that my credit card be charged. Instead and without my authorization, Paypal debited my bank account in which there were insufficient funds. Paypal via " XXXX '' it 's supervisor, admitted that they did this intentionally against my instructions but refused to credit me for the overdraft charges on my bank account or to remove my bank account from my Paypal account. Paypal also promised to send me an email admitting that this was completely their fault but never sent it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-06 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: IL

Complaint narrative:
XXXX XXXX agreed to install cable internet service at my residence. They came to the residence, put up wires, but the service was never functional. I informed them of this fact, they told me the only thing I could do was pay the outstanding bill for a month of service and then they could come out for a service call. They have since sent my account to debt collection. This does not seam fair as I never had working service from them, nor did I agree to pay them for service that they attempted to install before it was working. There is no written agreement between XXXX and myself so I am at a loss to explain why they are sending my account to collections or even how it is possible to send an account to collections based off of the non-contractual relationship we have.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: Paypal Holdings, Inc
State: AK

Complaint narrative:
This letter is to file a complaint with PayPal as well as the Consumer Financial Protection Bureau concerning PayPal 's policy of allocating refunds on purchases to the general balance instead of applying directly to the cancelled charge. 

This has happened to my account twice in the last two months. The first incident was on my statement of XXXX/XXXX/16 for a charge of {$210.00} to XXXX on XXXX/XXXX/16 that was refunded on XXXX/XXXX/16 by XXXX for {$210.00}. In this instance I was charged {$22.00} in interest on an amount that had been refunded. I would like that {$22.00} refunded as a credit on my account. Note that for some reason the charge is shown as {$210.00} on my Statement, but online it is correctly shown as {$210.00} for both the charge and the refund. 

The second incident was on my statement of XXXX/XXXX/16 for a charge of {$230.00} to XXXX on XXXX/XXXX/16 that was immediately refunded that same day by XXXX for {$230.00}. In this instance I was charged {$26.00} in interest on an amount that had been refunded. I would like that {$26.00} refunded as a credit on my account. 

Please note that I 've already scheduled a payment of {$620.00} for XXXX/XXXX/16 which will alleviate any interest charges as noted on my Statement of XXXX/XXXX/16. Of that amount paid, {$340.00} was a charge from XXXX from a charge on XXXX/XXXX/16 which was refunded three days later on XXXX/XXXX/16 in XXXX amounts of {$110.00} for a total of {$340.00}. The application of a refund amount to the overall balance is confusing to the client and I believe to be a dishonest and unlawful practice. I believe that when a refund is made on a specific order or payment that it should be credited to that order or payment. What PayPal is doing is deceitful and that is why I have sent a copy of this letter along with the statements and listing of charges to the Consumer Financial Protection Bureau as a formal complaint against PayPal. 

I hereby request that you refund a total of {$49.00} in alleged interest charges and case and desist this despicable practice of charging interest on refunded amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 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: I.C. System, Inc.
State: NY

Complaint narrative:
This company keeps calling me hangs up some times breaths then hangs up, I called back to find out who it was I asked who is this they said your mother and were very nasty the call keep on going. They claim to be looking for a woman to whom does not live at this address, I did tell them to stop calling and this person I do n't know and never heard of them. After calling again to ask them to stop calling they cursed me out and said we know who lives their and we are coming for you. I immediately did some research online and only came up with a collection agency called IC systems these people are illegally calling me and harassing me. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal Debit card denies transactions on a regular basis in spite of there being a large balance in the account. These issues may only be resolved via telephone service where it is impossible to to reach a representative without a wait of 1 hour or more ( most mondays NOT AT ALL ). This substandard business practice is a disservice to Patrons and PayPal Debit Card employees alike.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I receive several calls " everyday '' in the morning and in the evening from this debt collection company. It has been going on for several months now. I want it to stop! Here are more numbers that they use. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
www.consumerfinance.gov Here 's the situation, and PayPal has been doing this to be MULTIPLE TIMES! 

I was sending {$53.00} via transfer to my husbands PayPal account from mine PayPal account as PayPal does allows for all people, to have multiple accounts they are now withholding my funds and the time to purchase the anniversary item is running out of time! 

Please contact them release the funds NOW so I can purchase! 
If I have to I will start a class action against them as I am already on the " XXXX PAYPAL '' CASE which could be a reason why they keep targeting me. 
I wanted this for anniversary gift : PAY PAL IS BOTH " FRUADING '' AS WELL AS " SCAMMING '' PEOPLE!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-25 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I was enrolled in a Paypal Credit Program without my knowledge. After receiving a paper statement in XXXX I immediately submitted a complaint to PayPal about the fees and charges and within XXXX payments paid the entire balance, excluding these fees. After receiving a no response regarding my request I contacted customer service via phone and was advised a XXXX time waiver of approximately {$35.00} would be issued but PayPal credit refused to waive all charges in excess of {$100.00}. Likewise I was informed that I could not speak to a supervisor because they do not take calls. Subsequently I have no other course of action other than submission of a complaint via CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Consolidated Management Group, LLC
State: TX

Complaint narrative:
Someone named XXXX XXXX, phone number XXXX called my cell phone on XXXX different occasions and left voice mails stating he was calling for " verification request for a valid address and name of employer to process a claim against me with the Attorney General for claim number XXXX. '' He also stated I needed to call XXXX to resolve this issue ''.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
PayPal is calling my primary number, so.show they got my wife 's cell phone number, my work cell phone number and my dad 's home number. I have filed for bankruptcy but they continue to call on a daily basis

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
On XXXX/XXXX/15 XXXX? XXXX pulled a hard credit report without my authorization. This was for paypal where I already had a account. They asked me for a differant credit card which I gave them. They never disclosed that they would pull a report.

Company response to consumer: Closed with explanation