vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-28 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
On XXXX XXXX, XXXX, I purchased iPhones online with PayPal with {$1200.00} with the condition of 6 Months No Payments + No Interest. PayPayl forced me to use PayPal card ( please see attached invoice note ), because other credit cards icons were not available when they were clicked. I did not like to use PayPal card because I lost XXXX % award, which I could always got with other credit cards. I believe PayPal violate the law to force me use their card. 
Second, I had never received any bills from PayPal until XXXX XXXX. PayPal billed on XXXX XXXX for {$75.00} for interest and late fee ( please see attached bill on XXXX XXXX, XXXX ). On XXXX XXXX, I called PayPal on a recorded line about the extra charges. Their representative, XXXX ( employee ID # XXXX ), explained that my new purchase on XXXX XXXX, XXXX automatically voided my 6 Months No Payments + No Interests benefits. I could not agreed with it, because 1 ) I was not noticed of it when I did the second purchase ( please see the attached invoice ) ; 2 ) I never signed any paper to void the first purchase benefits ; 3 ) XXXX purchase should have not done any things about XXXX purchase. They were totally separated and not related. 
Third, PayPal did not send me the bills in XXXX XXXX and XXXX XXXX, why I was subjected to the high interests charge and late fees? On XXXX XXXX, PayPal representative, XXXX, and his supervisor, XXXX XXXX, claimed their evidence for having sent me bills was they did not receive the returned mails. Their explanation is not acceptable, because no returned mails are never evidences for mails were ever sent out. I did NOT lose mails from other senders. The possibility is almost zero to lose mails from a same sender for consecutively two months. I do n't believe PayPal did ever send me bills in XXXX XXXX and XXXX XXXX. Let me tell you, I always pay off my credit card bills on time. You can check my credit payment histories with XXXX XXXX, XXXX, XXXX, etc. for XXXX. 
I sent dispute claim to PayPal on XXXX XXXX, but unfortunately, they refused to make corrections. 
Based on my experience, I highly suspect PayPal systematically manipulated the system : First, forces customer to use PayPal card with the trap of 6 Months No Payments +No Interests, Second, voids the 6 Months No Payments +No Interests with the excuse of a new purchase ; Third, do n't send out for 2 months in order to produce high interest rates charge and late fee charges. I believe I am not the only victim of their manipulation. I seriously request your authority to investigate my case and to stop PayPal wrong doings. I also claim {$500.00} compensation from PayPal for 1 ) refunding my payment of interests and late fee ; 2 ) damaging my credit ; 3 ) credit card award which I lost when I was forced to use PayPal ; 4 ) my time looking for solving this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-28 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 refuses to accept settlement offer of XXXX with payments of XXXX a month or XXXX, they request payments of XXXX or XXXX for XXXX months which they have been advised I can not afford. If I could afford such a high amount then account would not be past due, the account showed payments as high as this amount prior but could not afford such high payment. They claim to have offered arrangements prior but none included a settlement, this was discussed with Paypal reps but were uncooperative. I 've detailed all this info in previous complaints which are numerous and continue to grow. Paypal reps like to lie, hang up the phone, or are uncooperative. The first rep lied saying there was a cease and desist on the account, could not discuss account with me. There was no such thing ever placed on the account, no mention of it by any previous or subsequent reps.The rep lied so she did not have to take the call, could go home before closing time of XXXX PM EST. The reps I did speak with were advised there is fraud charges on the account from an Ashford.com which run into the thousands, do not have exact total available to me .Fraud claim was denied and still insist on payment. Another rep breathed into the phone, then hung up abruptly after I said hello several times. One of the last reps by the name of XXXX wanted XXXX or XXXX a month but again, I can not afford such a high amount. Their mention of any prior offers of payment arrangement is a moot point as they do not include any settlement portion and their reps have been rude, uncooperative in calls. Paypal fails to take into consideration fraud, which they have denied as a claim. Please advise them I have a counter offer of XXXX and they have until forever to accept it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal had limited my account last year and I had filed a complaint with CPFB, to which PayPal had responded. In such CPFB case Case number : XXXX, XXXX XXXX ( PayPal Operations Counsel ) had mentioned that my funds would become available on XXXX XXXX, 2015 ( 90 days from last payment ). However, as of today XXXX XXXX, I 'm not able to withdraw the funds. I contacted PayPal personnel and customer service several times and requested them to resolve this, and even provided them a copy of this letter. However, they refused to help me in violation of XXXX XXXX ' promise and commitment. They told me that his promise and word does not hold any value, and PayPal 's generic policy is superior to his promise/written commitment. They informed me that XXXX XXXX did not notate my PayPal account ( XXXX ) so that the funds could be released on such date, and I do n't know why. I ask XXXX XXXX to correct this and make my funds available to me as promised. A copy of his previous letter is attached herewith.

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 2016-09-01 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: NC

Complaint narrative:
IC systems was wriiten on XXXX XXXX, 2016 and legal demand for validation of the alleged debt was made. They have ignored this request.

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 2015-09-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Mortgage Research Center, LLC
State: HI

Complaint narrative:
Property taxes were not paid via escrow on time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-26 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
Received a letter from PayPal Credit ( XXXX XXXX Bank c/o Bill Me Latter Inc ) informing me of changes in terms. The letter provided identifying acct., information or contact information, other than a XXXX for XXXX, an I had no recollection of ever having done business with any of these organizations - PayPal Credit / XXXX Bank / Bill Me Later. 

I then reviewed last year 's annual credit reports and found no references to any of these organizations, so then using the web found a phone number to call. 

Contacted the number and finally reached a human ( prompt continually insisted I enter my non-existent acct number ). The agent informed me they do n't report to any credit services - Great, so much for monitoring for fraud - they could n't confirm I they even had an account listed for me when I provided name and address, then phone number. Then was asked if I had a XXXX acct ( not to my knowledge ). Finally after digging up a 3yr old phone number from some old records an account was found!!!!!! Apparently I charged a prescription back in 2009 for {$11.00} when I still had insurance to XXXX. 

At best I perceive this to be questionable/shadowy organization. They may not be in violation of any legal statues, but they sure are n't exhibiting any sound business practices. 
- Communications with noting but a PO for contact info - No method for monitoring for fraud - Stale account data - Limited ability for acct identification, would received absolutely no assistance if I had n't known a 3yr old stale phone # How many other 'ghost ' accounts may be out there?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal XXXX trying to collect a debt of {$210.00} on an account that is not mine and opened in the year 2000 when I was a minor and I was not able to open an account. 
My current PayPal account under the address XXXXXXXXXXXX has been suspended due to PayPal stating that they found another account ( XXXXXXXXXXXX XXXX that they feel is linked to mine and they need to collect a debt of {$210.00}. I contacted PayPal and was told the account was opened in the year 2000 and the home address they said the account was opened under does not match any address that I have ever used. I made the customer service rep aware that in the year 2000 I was still a minor and had no way of opening the account in question. Also my social security card was stolen around that time and I had multiple accounts opened in my name by someone that was NOT me. This service rep told me to call back next week after an investigation was to be done and upon calling back the following week I was told the debt was determined to be mine but with no explanation or proof. I asked would I be sent a copy of the investigation report and was told no. I asked what could I send in to prove the debt was not mine and I was told, " prove you were a victim of identity theft. '' When I asked what type of documents I needed to send in I was met with the same answer but no specifics on what documents were needed to prove that the debt in question was not mine. I would just like this issue resolved with proper documentation if they truly investigated the account. 
Account ID : XXXX - 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 2016-03-19 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I inadvertently responded to a XXXX " promotion '' online with an attached requirement to open a PayPal Credit account. I have received no services from XXXX and only an ongoing battle with PayPal Credit about the interest charges. 
Exasperated with both companies, I have reluctantly paid both charges -- the initial charge of {$170.00} and subsequent interest charges of {$26.00}. But I am appalled at the fraudulent behavior of these companies and wish to submit this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: I.C. System, Inc.
State: GA

Complaint narrative:
They continue to deleted and re add debt every few months. It was taken off and now they put back with a new date as if the debt just started today. They even share with other collectors and double report the item. I have listed the deletion from the past. Today it resurfaced. I am in a home purchase currently please help. 

XXXXXX/XX/XXXX removedXXXX XXXX $ XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX CHECKING ACCOU ( they sold and readded today ) {$1200.00} XXXXXX/XX/XXXX removed dateXXXX XXXX XXXX XXXX XXXX XXXX $ XXXXXXXX Removed dated but today the reaaded and changed collectors name. 

XXXXXXXX {$790.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal credit will not tell me WHY I am not eligible for a hardship arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-29 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
I received some amount on my PayPal account. At first they claimed that money was fraudlent activity so they requested that I provide a copy of the utility bills, telephone number, bank statements, and source of the funds so that they could validate my account. They have declined to read and to read the information which I provided. They have closed my account and claimed that the case can not be appealed. The sender has sent an email to them explaining the purpose of the transaction but they have not changed their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-05 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I have a paypal smart connect account. I can view all my transactions online and today i was looking at my account and i was missing XXXX dollars so i called the paypal smary connect customer service to see where was my money. So when i reached a coustomer service rep i asked why i was missing XXXX dollars and he told me i made a purchase on XXXX XXXX for XXXX dollars and i told him from where and he said i dont have information to give u and i told him what do u mean u dont and why i cant see it .. And he said i would have to wait 2 to 3 daya to see it in my account and for them to have more information and i told him i never purchased anything for XXXX dollars and i always get an email ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 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: GA

Complaint narrative:
The amount that was given and talk over is n't the amount report!!!!!!

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 2016-08-05 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I ordered a product that turned out to be not as advertised. I returned it using the return shipping label that was provided in the package. I tried to resolve this with the seller, who said they run into these types of problems all the time and would refund my purchase minus a 20 % restocking fee. I told them the product was not as advertised and I was owed the full refund. Then the seller said I need to register my email with paypal in order to receive a refund. When I told them I was registered as such, they said they could n't find it and they had " to move on '' and would " not respond to any more emails ''. By that time, it was outside the window in which Ebay could have helped. Paypal said they would help but they need the tracking number, but I explained that the seller would have that because they issued the return label, but they do not require the seller to help resolve this, so no help. I am out my money as well as the product and I only did what was normal, return a product using the label provided by the seller. Paypal could and should refund my money. Paypal protects sellers who are crooks and scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I am one of many affected by the PayPal Bill me later scandal in which it forced me to open a line of credit without my permission or consent. It forces you to think you are verifying your account rather than opening something new. I 'm curious how to receive compensation for this error and loss of time and finances. Hoping the consent order filed today is approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I just signed up for a PayPal Account in XXXX 2015 and used it for about 3 months then i got a email that my account was on hold. I called in and they informed me that i have XXXX other accounts that have negative balances XXXX over {$6000.00} and the other almost {$3000.00}. I am a victim of identity theft previously so i informed them of this and they told me to fax the information in. So i called FTC to get the affidavit sent to me with the pay pal accounts added to the list of accounts opened without my knowledge. I sent the information to papal and got denied XXXX times and appealing. I was told pay pal was over the federal government and that i am being held responsible for both accounts and that they are going to keep my money its almost {$700.00} in my pay pal account its messed me up and is putting all of my bills behind.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Consumer Portfolio Services, Inc.
State: FL

Complaint narrative:
Yet another complaint against Consumer Portfolio Services. This will be my XXXX and Hopefully final complaint against them. They have replied to an earlier complaint, I have disputed it and have had no response. so here it is. The contract should be NULL and Void as the Main applicant ( XXXX XXXX ) NEVER signed the contract. 
The contract should be deemed null and void. 
1. 
On the contract you can see that the due date is to be the XXXX of each month. When the XXXX payment was made early, ( on the first of the month to be considered for the up-coming payment on the XXXX ). Cps took it upon themselves to change the due date to the XXXX of the month, in the situation, it showed that a payment had been made for the XXXX of the previous month and then due again 2 days later on the XXXX ( which is when the account started showing a delinquency ). XXXX XXXX noticed the account was showing behind, when in fact it was paid ahead. He contacted CPS via phone and was told they had permission to change the due date, he said that neither he nor XXXX XXXX authorized this change, they dismissed it and refused to put the date back to the XXXX. He then asked for a written and signed document from either him or XXXX XXXX, requesting proof of the change, it has been over 4 years and still no such document!!! 
2. 
XXXX XXXX was NOT present at the time of purchase and did NOT sign the contract for the loan. Her son was employed by the selling dealership and was allowed by the selling dealership to purchase and sign the contract for XXXX XXXX, even though she may have given verbal permission over the phone for him to do so, there was NO power of attorney signed. A hand writing analysis can be performed to verify the signature is Not XXXX signature. In fact she was at her place of employment ( working ) XXXX miles away from the selling dealership. ( this can be proved from payroll records. ) 3. 
The vehicle was purchased for a 3rd party, which to the best of my knowledge is NOT allowed by CPS. In fact neither XXXX XXXX nor XXXX XXXX ever driven the vehicle ( the vehicle in question is a manual shift, neither one of them know how to drive a manual transmission. ) The contract itself is not even a CPS contract. Cps has been trying to implement policies and fees off of someone else 's contract. The contract is on an XXXX contract, and only has CPS ( hand written ) on it, with NO address or phone contact information for CPS. 

For any one or all of the above reasons, the contract should be considered NULL and VOID, and the vehicle returned to CPS, with all and any Balances removed, and the loan as a whole be removed from XXXX XXXX and XXXX XXXX credit reports considering she NEVER signed the contract in the first place. 
We have copies of the contract and XXXX XXXX Signature that can be provided, we can also go to a notary public to verify her signature if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I, and my girlfriend both have PayPal accounts with a Business Debit card attached. We normally purchase retail goods and services with the debit card, and we fund the accounts by buying PayPal XXXX cards. In the time that we 've had the accounts, we have made a couple of ~ {$20.00} transfers to eachother and we 've each withdrawn a very small amount of our balance to our connected bank accounts once. Just recently PayPal said they are permanently locking my account and effectively freezing my money in the PayPal account for half a year! I did n't realize they were so strict about small withdrawls/transfers!! I was under the impression when I received a warning awhile ago that they did not want me withdrawing large amounts after depositing XXXX cards into the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-02 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: WA

Complaint narrative:
I have a collection company " IC System '' that has been mailing me notices that I have a collection with them, but they are trying to collect a current loan that is on auto-pay with my on my credit card. I have confirmed with my credit card company that the monthly payments are going though thus I am CURRENT on my monthly loan payments! This company is trying to scam me.

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 2015-10-22 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 limited my account without warning or reason stating " your account has been limited '' with no oppurtunity for appeal. I have called them nearly a dozen times to get this resolved and no one will give me any information other than " you have violated the terms and conditions '' or " PayPal will no longer to do business with you. '' Since limiting my account, they have held my funds for more than 180 days, despite them saying that 's when I would receive my funds.

Company response to consumer: Closed with non-monetary relief