vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-26 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc
State: VT

Complaint narrative:
I have purchased several ebay gift cards over the course of the past two months through paypal digital gifts. These gift cards are supposed to be usable at ebay, unfortunately when I go to check out I get a message saying " Something went wrong. Please try to check out again. '' error XXXX. Everytime I make another attempt it gives me the same error. I have called ebay, they tell me it 's paypal, paypal tells me it 's ebay. Then ebay tells me it 's a security issue and ca n't provide me with any further information, then they tell me their executive department will get back to me and that never happened. I 'm at a loss of what to do. No one at either Ebay or paypal seems to know what the real issue is or why their own gift cards will not work ... At one point they even sent me to Ebay XXXX? I do n't live in XXXX I live in the U.S. It would be one thing if they could tell me the issue and give me options, however they refuse to do anything and the problem persists today.. Any other normal business would address this issue, however Ebay has a monopoly over this market, and forces everyone to use Paypal even if your using their gift cards?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-01 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
Paypal stopped allowing me to transfer money to another party. Additionally they have provided no means to remove the withdrawal limit on my account, thus they are holding my funds hostage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-08 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc
State: PR

Complaint narrative:
1 ) I can not access my Paypal Credit account like a regular customer. 
2 ) I have to provide information of my identity by mail and phone again and again. 
3 ) I have to explain again and again that I changed my name. 
4 ) I have to answer extremely picky questions from obscure public records and due to the medical conditions I am suffering like XXXX and its medications I can not remember the answer to those questions ( Questions like area codes of different states, zip codes of different states and ages of people I never met. ) I want to have access to my Paypal Credit to add any information and modify any information like a regular client without having to be scrutinized by The Paypal version of The FBI. 
5 ) This is really abusive. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
A caller contacted me to collect a false debt on a nonexistent account totalling {$2400.00} while impersonating a representative of PayPal. The caller requested immediate payment of a minimum amount of a couple hundred dollars to avoid more late penalties added. I said I would call back and then called the real PayPal who verified no account existed under my name holding any debt. 

The number the call originated from is XXXX. They are scammers, but brazen enough to have a website called " PayPal Credit '', based in XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I recently received a phone call from PayPal Credit regarding an outstanding balance of {$140.00} for " PayPal Credit '' purchase I made in XXXX 2015. I have NEVER used PayPal credit before - only PayPal as connected to my debit card or bank account. Typically, this was for payment to individuals. This specific {$45.00} payment was to a friend who has a baked goods company and she baked and delivered an order for me. I paid via PayPal, as I have done several times prior. Then I received this phone call and a statement in the mail in XXXX 2015 with a {$140.00} balance, because I chose to pay with PayPal credit. I did NOT know there was a credit option via PayPal. This is VERY misleading and deceiving and I am not going to pay {$100.00} worth of late fees for something I thought I paid for in XXXX 2015. I had no way of knowing this purchase was going to be via a credit account - I would n't have done that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
I called Paypal Credit earlier today, XX/XX/XXXX, to accept a settlement amount of XXXX which is supposed to be accepted by XX/XX/XXXX. The rep in collections, XXXX, first stated the amount is due in full and then stated an amount of XXXX over 6 months. I have a payment scheduled in the amount of XXXX for XX/XX/XXXX, I explained to him that I do not have XXXX to pay a month. If I did, my account would not have become delinquent. As you can see, Paypal Credit and their reps are asinine to say the least, they also tend to lie. Previously, one rep lied about a cease and desist on the account, there was never one placed as numerous other reps spoken to subsequently did not mention it and were willing to discuss account with me. In closing, please advise Paypal Credit I accept settlement amount of XXXX as there is several fraudulent orders to XXXX which runs into the thousands. However, I do not have full amount up front and can not afford XXXX a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation
State: FL

Complaint narrative:
In XXXX my mortgage with PHH Mortgage was in default. I was unemployed at that time. 
In the same year I received financial help and assistance from Florida Hardest Hit Fund. 
The PHH Mortgage on service for XXXX XXXX accepted close to {$40.00} in payments and promes to reinstate the mortgage. In XXXX XXXX I start full time work and gain the ability to pay my mortgage. This is the time that all problems started. The PHH accelerated the mortgage and never reinstated the payments. I retained attorney to represent me in court but the PHH mortgage is playing words game sense that time. 
PHH Mortgage office was already provided with all of the information previously requested and all the information needed to settle this matter. It was supposed to be processed as a reinstatement pursuant to the FHA paperwork. 
Is the bank refusing to settle by reinstating the loan as they promised when they accepted the Hardest Hit Fund money? 
I need a straight response to this question, whether the counterclaim must be forwarded to the CFPB and the Florida Attorney General, and whether we need to set the matter for hearing on our counterclaims.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: NY

Complaint narrative:
I applied for a construction loan with a loan officer, XXXX XXXX. He was recommended by the builder we were using to build a modular home. XXXX XXXX was working for a bank out of XXXX and I met him in a basement to submit the application. After a few weeks, XXXX left the XXXX company and began working for Prime Lending -a Texas based company. He took my financial paperwork ( and never gave the copies back to me ) to the new bank promising it would be a better experience. Come to find out that the builder is not truly a builder and has no funds to pay contractors. Prime Lending does not vet their builders properly. The bank would not release any deposits to the contractors and the contractors would not work without money so I was forced to liquidate my XXXX to lay out funds to pay for work prior to the construction loan paying. I also found out they were advancing funds to the builder without my knowledge of what the funds were being used for and the builder 's contractors did not work on the house for months causing delays. during this time, I was requesting rate quotes daily as XXXX XXXX said there are 6 month rate locks. After a few days of emailed quotes. he stopped quoting me. He said getting rates thru his system was difficult. He never called me- never followed up even after rates started to climb.The whole reason for doing the end loan with them was to save the XXXX mortgage tax that I paid when I closed the construction loan. That was the carrot used to get me to do my permanent financing with them. I called XXXX manager, who did nothing, I contacted Prime Lending customer service and after 30 days of not a call or email back, I just emailed them and they turned me back to the loan officer for rate quotes. I believe Prime lending dropped the ball with quoting rates, I believe the builder and the loan officer are in collusion and Prime is responsible for not vetting the builder to see he had no funds to build a house. Their complaint department does not seem to take this complaint seriously. I would like to have my mortgage tax assigned to my new bank due to having to do all my own leg work, and the bank not quoting me rates in time to lock in to something reasonable - as rates have increased dramatically- was this a ploy as well. 
Their customer service rep ignored my request for assistance. I asked when his response would be and he said give him 30 days. It was after 30 days when I emailed him back to ask what was going on. The same situation was happening with XXXX XXXX. I only got rates when I prodded him. There was little communication and I believe I need to get this out to you so that no other " customer '' will go thru the experience I am presently trying to get thru.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: KY

Complaint narrative:
I paid off a small XXXX mortgage with US Bank on XXXX XXXX, XXXX. I started calling two weeks later asking about the release of lien. I 've been given the run around since. They made excuses about delays because of the holidays. Then they admitted that they had n't filed the paperwork and would do so immediately. This was in XX/XX/XXXX. I followed up in XX/XX/XXXX. At this time, they used the holidays again as an excuse for the delay. Then they said that they had filed the paperwork with my local county clerk. I called the clerk and they had never received any paperwork. Back to the bank. Then the bank said that they could n't resend the paperwork and if it got lost in the mail or lost at the clerk 's office it was n't there fault and there was nothing they could do. They refused to email or fax the paperwork. This was coming from a mortgage supervisor. When I asked for her name, she hung up on me. I then reached out to an upper management officer, in a different department, and she tried to help and gave me another phone number to contact. More time passed. She got a number for me and when I called they admitted that the paperwork had never been filed but would n't tell me why. They promised to overnight it. This was on XXXX/XXXX/XXXX. They did not overnight it. I kept contacting the clerks office, nothing. I contacted a lawyer on XXXX/XXXX/XXXX and he was going to write a letter to the bank. I confirmed one last time with the clerks office and they had received the paperwork on XX/XX/XXXX and they had processed the release. As of XXXX/XXXX/XXXX, I still have n't received any paperwork showing that the lien has been released. I 'm trying to sell my home and buy another. When my credit was ran on XXXX/XXXX/XXXX, the mortgage balance was still there, even though US Bank has had my money since the beginning of XXXX, XXXX. Even without releasing the lien, they had their money and should have reported it to the credit bureaus. On the same day I paid off US Bank, I paid off a loan at XXXX XXXX XXXX XXXX XXXX, which is now under XXXX XXXX XXXX. When my credit was ran on XXXX/XXXX/XXXX, guess what, that loan is showing on my credit too. All of a sudden, I have too much debt and guess who has a higher interest rate on their new loan. I 'm totally frustrated. I 've been lied to, hung up on, treated with total disrespect and I 'm still paying for their inability to properly do their jobs by having a higher interest rate on my new loan. US Bank even had the nerve to offer to help with a new loan. Do n't think so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Paypal submitted a credit check on myself, without permission after I had made a purchase. There was more than enough money in the account. No need to charge anything to credit, nor apply for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
paypal ram roddded my XXXX account incurring XXXX fees repeatedly, then refuses to pay the merchant so assigned the draft for. XXXX should have closed the account, but paypal is at fault here.XXXX has attempted to settle my accounts as an act of good will.When I tell them ( paypal ) to reverse the transaction, they refuse ( nothing but lip service and no way to document a conversation ), my XXXX account gets locked as a side result kiling my internet phone service. THEN, they continue to not only show a negative paypal merchant balance, but proceed WITHOUT AUTHORITY to suck monies from a recently added ( for merchant purchases ) bank account to pay off a credit line held by XXXX bank, not paypal ( drafted my bank account ). They refuse to allow me to delete any other account, despite no longer owning them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: DISCOVER BANK
State: AL

Complaint narrative:
Basically I was given a private student loan from Discover of around {$37000.00} for about XXXX semesters ( XXXX summer plus a full year ) of film school with the XXXX XXXX XXXX University. When it came time to get another loan for my second full year of XXXX, Discover informed me that they were no longer doing business with my school and that they would not be able to give me another loan. Because of this, my Dad had to go into debt by getting a parent plus loan for my second year and after that I was unable to continue attending the school. I was able to earn an XXXX degree but not the full XXXX degree. Now I am barely able to find work and I have had to get in even more debt pursuing other degrees to keep from paying back unimaginable loan debt. I do n't mind paying back my federal loans, but my private loan has now soared to more than {$53000.00} ( For ONE year of XXXX ) with current payments of {$570.00} a month. I 'm not sure who ( other than myself ) is more responsible for my current debt, Discover or the XXXX XXXX XXXX University but either way I was duped ( at age XXXX ) into an enormous amount of debt that will be impossible for me to pay off. My biggest concern with Discover is that had my Dad not taken out that additional loan, I would not have been able to do even more than one year of XXXX and how would I be able to pay back anyone without the benefit of an actual degree? This does not seem right and I would simply like a review of both my loan and my former school to determine if any fraud was applied to my situation. Thank you for taking the time to assist me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
Over the past six months I have been experiencing issues with my PayPal Extras MasterCard. XXXX XXXX is the lender on the card, and PayPal runs the e-platform on their website where I am supposed to be able to view my PayPal XXXX XXXX account. The problem seems to be an issue between XXXX Bank and PayPal, but both companies are refusing to contact each other and work together to solve the problem. At this point there is nothing I can do to fix the problem because the issue is that PayPal has my account listed as cancelled, and XXXX XXXX has an account open for me but I have no way to view the information online. Other than paying my bill, all other activity must be done online, which includes redeeming rewards points that I have now lost over XXXX because of points expiring, however over the past 6 months I was unable to use them due to the errors of the XXXX companies attached to the account. At this point I have called twice to three times a month since XX/XX/XXXX, and I spent 3 hours on the phone today with both companies until I was redirected to the initial automated answering service you get when one calls customer service. 

At this point I do not know what to do, or if I should even be paying my bill when one company attached to the card, which is the company directly associated with the card, tells me that the account is no longer active. Yet, I still can use the card, can not access my points, and still pay a bill every month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION
State: DC

Complaint narrative:
Hello my name is XXXX XXXX and I was illegally/over charred in price and intrest rate for a XX/XX/XXXX XXXX XXXX from XXXX in which Credit Acceptance Corrporation assist. I was manipulated into putting the car into my name because the original purchaser was denied by the bank and my name was n't. The car went into deep I status and was reported stolen XX/XX/XXXX which was never recovered or sault after in which I told them I wanted them to find the car and remove me from the loan due to non payment and my credit score declining XXXX points. I really think I was discriminated against because of me being a woman with little knowledge of the loan processing. Please help me!! 
XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26 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: OH

Complaint narrative:
When I called to clear debt the company had XXXX information about 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 2017-01-18 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 continues the practice of 'defaulting ' to their in house credit card as a form of making online payments. Several times I have found that I thought I was making an online purchase with either my personal bank account and or my PayPal account balance only to find weeks later that the payment was made with the PayPal credit card and they contact me to let me know my credit card payment is late and they are adding late fees. This a very clever but unethical practice and it needs to be addressed, as I am certain I am not the only person who has fallen victim to their trickery

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: I.C. System, Inc.
State: OH

Complaint narrative:
I really do n't know what my options are, if any. I had cable in my name and my mother was living with me. I moved out, and allowed my mother to keep the cable on at that address in my name. She then moved and transferred the cable to her new addeess. She ended up accumulating a large bill and was unable to pay it. The debt went to collections without my knowledge of the situation. XXXX XXXX never contacted me, the account holder, that the debt was going to collections, and neither did my mother. I realize I screwed up by allowing my mother to do this, but do I have any options here? My mother totally ruined my credit with credit cards she opened in my name when I was XXXX and I finally got my credit score to a good level.

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 2016-05-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Flagstar Bank, N.A.
State: MI

Complaint narrative:
I purchased variable annuity from a agent from Flagstar Bank. This agent left for some reason or other and he was told not to contact any of is clients. Flagstar also did not contact me. It was not until i called Flagstar and than they assigned agent. During this period of time I loss money because no agent was watching my annuity. The name of the Agent still appear on the Quarterly statements even after he left.

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 2015-06-12 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I received a credit monitoring alert letting me know someone had opened a PayPal Credit account using my information ( name, SSN, and birth date ). When I called PayPal Credit, they would not release any information about the account because the phone number, physical address, and email address did not match, but they did close the account and open a fraud investigation. Nonetheless, I want to know why this credit line was approved when the phone number and address to did not match what is on my credit file. I think PayPal Credit 's risk policies/account origination procedures need to be re-evaluated. This seems like an egregious error to me.

Company response to consumer: Closed with non-monetary relief