vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-18 00:00:00
Product: Money transfers — International money transfer
Issue: Incorrect/missing disclosures or info — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Even we create an online profile, it asks for verification/confirmation before it really creates profile. This is a case of money transfer. One button click, you are in TROUBLE. This is what happened with meI needed to redo my website design so put an advertisement on XXXX. I was contacted by a person " XXXX XXXX '' from a " XXXX '', " XXXX ''. When I asked his PayPal account for payment, he gave me as " XXXXXXXXXXXX ''. 
When I try to pay him by PayPal, It asks me email address and Amount. When I click next button, I see confirmation by Name " XXXX XXXX ''. Oops did I do a mistake. When I realized it is big mistake ..., I am in real trouble. 
PayPal did not alert/confirm me, the person I am sending money is the real person. No alert/no confirmation message/consequence, nothing. 

On confirmation message, it says if you want to cancel, you can do with in XXXX minutes but I do n't see any option to cancel the transaction. Called customer service with in XXXX minutes of my transaction, they say money is gone to receiver 's account. You could file a claim for refund, if receiver return then we will return money back to you. 
Otherwise if receiver verifies that he is " XXXX XXXX '' and deserve the money, PayPal will not take any action. My concern not with " XXXX XXXX '' or " XXXX XXXX ''. In this internet age, it is hard to verify a fraud. At least as a customer, I should have alerted before transaction made. I would rather should be alerted whatever PayPal customer service says the consequence. 
People can do a typing mistake simply a wrong email. One button click, you are in TROUBLE. Why not PayPal do simply says a confirmation message ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-01 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I purchased $ XXXX ( XXXX/XXXX/XXXX ) and $ XXXX ( XXXX/XXXX/XXXX ) XXXX gift card from paypal. However, when I try to use them today I found XXXX {$50.00} and XXXX {$100.00} was {$0.00} balance. After search on internet, I noticed that paypal giftcard system have been hacked last year. I believe my lost is due to paypal 's system been hacked.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-08 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
My in-laws ( XXXX & XXXX XXXX ) used to live in the house that I live in now. they had a Discover Card for many years. My father in law died 6 years ago and my mother in law 3 years ago. In the past 2 years, we have gotten 6 or 7 credit card solicitations addressed to XXXX XXXX Deceased.I have the latest one here and unopened. I also took pictures of 2 others. I have called every time that I get one and they say that they have fixed the problem but we keep on receiving them. My wife is starting to get upset with the constant reminder that her Mother ( XXXX ) is deceased. Can you help?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-23 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I have a paypal account with a credit card on the account. And yet, when I sent a payment to an individual via paypal, they decided to send the bill to a credit collection agency ( XXXX XXXX ) since I do n't want to give paypal my banking information. A collection agency that is never open by the way. And whose website does n't work so I ca n't pay this ridiculous charge with them. And paypal has closed off my account so I ca n't pay them directly or even contact them directly. This has cost me hours of time and anguish because the paypal process is completely inefficient. Paypal never contacted me about the charge that I assumed would be covered by my credit card on file. This seems to be paypal 's standard operating procedure. If you search for " paypal collection agency '' on XXXX, you will see numerous other people with the same problem. Just trying to pay the bill and clear my credit with paypal has taken hours of my time and I still ca n't reach anyone at paypal or their collection agency to get any resolution. The paypal firewall to block their own users from fixing an issue is the most concerning problem. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-06 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I have an account with the Paypal service, the service works by allowing me to transfer money into an online account then pay for things online that accept Paypal payments. I have had this account for many years, and the way it always worked I had to wait for the bank to transfer the money into the Paypal account, it took between three and five days to complete my transfer of money, and if I did n't have the money in my paypal account I could not purchase anything with the account. I was using this account to pay for my phone bill with XXXX XXXX, I allowed XXXX XXXX to acces my Paypal to pay my bill monthly, I decided in XXXX of last year to stop the subscription on my XXXX XXXX phone, I attempted on line to cancel then went to my paypal and as a measure of insurance to cancel my Virgin subscription I made sure ther were insufficient funds in my account with Paypal. When a request came to my Paypal account from XXXX XXXX Paypal instead of refusing the payment since I had insufficient funds decided to go into my checking account without my permission and pay XXXX, and they did on the day they requested payment, I called Paypal and requested a copy of my authorization for Paypal to remove funds from my checking account without my direct or even my indirect consent, XXXX XXXX XXXX agreed toreturn XXXX of the XXXX payments that were made before I caught what they were doing, Paypal XXXX that there is no problem since they did not profit. I do not agree with their assessment that there is no problem, for XXXX this is a huge problem that they would give a company access to my checking account without my approval. for any reason, and that they not only transferred the money without my approval, but they did it in XXXX day, something they would n't do for me, and that Paypal even paid them when if I had put in a request for payment above my Paypal balance would be refused. I am so angry about their complete lack of respect for me as an individual and the courtesy they extend another company, even if they have to steal my money to make XXXX happy. I still have XXXX charge of {$44.00} that XXXX wo n't refund, and I think that Paypal not only owes me for that XXXX payment but I think there should be some form of punishment to Paypal for such an obvious overreach.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-17 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
On XXXX XXXX, 2016, I placed an order from XXXX website using a XXXX. I filled out the forms that popped up. Unknowingly, the website had me sign up for PayPal Credit. On XXXX XXXX, 2016, I received a statement for an unpaid balance for my purchase. Upon calling PayPal Credit, I find out that I have a {$2300.00} line of credit. I have paid for the transaction and closed the account. I feel that PayPal Credit did not fully vet the vendor to see how their website is signing customers up for PayPal credit. PayPal credit says they do not report to credit bureaus ; however, I am concerned that my credit score will be affected by this. PayPal credit also informed me that they are not a credit card, but my account number is XXXX-digits long. I am beyond frustrated and they need to be held to the same standards of every other company in the financial industry. I also did not receive a privacy notice until my statement arrived. Had I not opened my mail, I would have ruined my credit because I believed it to be junk mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I had sold an item ( Snap-on XXXX Portable Gas Generator XXXX - XXXX ) to buyer : papooseman for which this buyer later opened a false item not received ( XXXX ) case on XXXX ( Case ID:XXXX ). The item had been delivered to the buyer as tracking clearly showed and shipping was purchased from XXXX, so XXXX did rule in my favor and release the hold on my PayPal funds ( see attached - Unique Transaction ID # XXXX ). Recently, when I was tallying my inventory and funds, there was a discrepancy of about {$480.00}. So, I rechecked all my transactions on PayPal. Shockingly, PayPal had reversed/refunded these funds to the buyer, even though XXXX had ruled in my favor. I then appealed to XXXX who said they find it in my favor and would ask PayPal to return the funds back to me. It has been more than two weeks and this matter has not been resolved. They are just transferring me from one department to another. They did not provide me any chance to provide a rebuttal. This is blatantly unfair. Please help me out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
This is about PayPal " Wallet ''. It allows customers to transfer money to and from a linked bank account. However, I was not able to transfer from my bank account to PayPal after numerous tries. Depending on which account specialist I end up talking to at PayPal, I get one of the following two answers to my question " Why am I consistently getting error trying to add money from my bank to PayPal account? '' ( A ) It 's a computer-generated error but it 's not necessary to add money to Wallet because we automatically deduct from your linked bank account if transaction amount exceeds your Wallet balance. 
[ Then what is the point of having " Add Money '' from a linked bank account? If this service does not apply to all, do n't customers have a right to know why? It seems like these people are trained to give canned responses - instead of answering the question, they would respond with " you do n't need to add money anymore since we charge your bank directly ... ''!! They double-down with " it is to your benefit and for your protection '' etc.!! Customers should make their own decisions as to whether a service is to their benefit or not! By the way, they are the worst in terms of being customer-friendly. They sound exactly the opposite '' ] ( B ) Of course it 's possible to add money to Wallet. Let 's do this again. 
[ Then they take you thru a series of security checks related to your publicly available information. After successfully passing these checks, they ask you to retry. Of course it failed! Then they say, well, give some time for computer system to refresh after a few hours. It still failed ] My point is that PayPal has become extremely customer-UNfriendly and they are not transparent at all about issues regarding their products and services. I would rather, and I 'm sure most of their customers would agree with me, see PayPal become more transparent by completely removing " Add Money From Bank '' service and charge the bank whenever a transaction exceeds PayPal 's Wallet balance. Or, if they decide to keep the service, then be forthright with their customers and tell them exactly why they are not able to add money after consistent failures. To me, it appears that they are doing stuff behind the scene that are unfair, unethical and are based on malpractice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-23 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: MD

Complaint narrative:
The collection agency IC Systems is attempting to collect a debt from me on behalf of XXXX for unreturned cable equipment. Firstly, XXXX has confirmed that I did return the equipment and owe them nothing. Additionally, XXXX has told me that IC System is no longer an authorized collecter for XXXX, and is in fact harassing XXXX customers.

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 2016-01-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
I was making a PayPal transaction, and I noticed an ad for a {$10.00} dollar discount on my purchase if I signed up for PayPal Credit. I started filling out the form, but I saw that the credit would n't be applied until after my credit report was approved, so I cancelled the process. Later I made another PayPal transaction, and it was charged to my new PayPal Credit account without my knowledge. I paid the balance and explicitly changed the default payment method to my bank account, but my next purchase was charged to the credit account without my knowledge. They now tell me I owe over {$90.00} in interest and late fees and interest on a small purchase. I have contacted their customer service department several times, but they have given me nonsensical responses. They continue to call me multiple times a day. I have closed me PayPal Credit account and my regular PayPal account. I 've read that you have fined them last years for just these practices, but they continue. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
I recently received a debt collection letter for a debt through PayPal. I have not had an active PayPal Account since 2007. I contacted PayPal about this, and they said I do not have an active account with them. 

So I am sending a dispute letter requesting verification of this debt. 

I did some research, and it appears they are sending this letter out randomly to current and former PayPal account holders. It appears it is a collection scam. XXXX So I am filing a complaint before they try and hurt my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-02 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I bought something virtual over the internet and paid via paypal gift. The person said he sent it and disappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.C. System, Inc.
State: PA

Complaint narrative:
I 've sent letters to this agency to verify this remark on my credit report. They have not sent any verification and it remains on my 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 2016-08-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
My brother XXXX XXXX had a lease with this property. I stayed with him for a couple months so he had to put me on the lease. Before XXXX XXXX lease was up i moved out of this apartment. I have tried several times to advise creditor that XXXX XXXX is taking full responsibility in this debt as he was the one living there. I was suppose to be removed from the lease as i did not live there. For whatever reason this company did n't get a termination letter so still want to keep this is my name when clearly I had a lease with real estate XXXX in XX/XX/XXXX till XX/XX/XXXX. At the beginning I called them trying to work something out thinking that for the time I was there I owed something. Shortly after I investigated the entire situation and realized they 've made a mistake. I want this company investigated and shut down I already filed a complaint with them before plus with the credit bureau having them investigate 6 times but they just try to send it back to them. I want someone to be done. XX/XX/XXXX they are accusing me and its XX/XX/XXXX??? Really they are that thirsty for commision bc their scams are n't working so they attack the ones that actually calls them trying to resolve thinking that they will talk them into paying whatever they say. Please review closely and this time you have my permission to shut them down. This account is in my name in error and needs to be removed. I have investigated this for a couple years now and have found my lease on where i lived at in this pro

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
I check my credit report regularly, and I noticed today that in XXXX, 2015, Paypal Credit performed a hard inquiry which I did not authorize. I already have such an account and neither my wife or I applied for another. In contacting them, they only have record of an application for credit with my SS number, which is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
This debt was paid and this inquiry was removed from my credit report. It now shows back again on my credit report. This information is inaccurate due to debt being paid already and I have proof of snap shot picture on my phone showing this is paid and was removed from my credit. I can and will supply proof of this.

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 2016-05-04 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I transferred XXXX from my Paypal account to my bank account. The status from Paypal says " completed '' but the money is nowhere to be found in my bank account. Calls to Paypal remain unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
I have been working since 2009 to work out a Load Modification with Flagstar Bank. Despite having income to support a refinance they have ignored multiple Modification applications, spent months requesting the same monthly information for 5-6 months without progress on the load mod only to deny the mod. Insurance money received to fix the roof on the house they took and still have not provided to fix the roof despite multiple applications. I have also been ignored by flagstar and their lawyers when asking about status or progress of loan mod requests. And despite pushing to make some progress on a loan, or mod it has been 6 years and flagstar continues to drag out the process and delay or ignore any requests I make.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Brown and Joseph, Ltd
State: GA

Complaint narrative:
For years I have been fighting with this company about this debt that they are reporting. The debt was paid to XXXX. I have told them that this is reporting incorrectly. The original account is more than seven years old and they are still trying to collect on this debt. This incorrect reporting is effecting the quality of my life. This debt was paid to the original creditor. I will not pay a debt twice. Somewhere along the line somebody dropped the ball. I have attached the page that it appears on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Gatestone & Co. International Inc.
State: CA

Complaint narrative:
I am not familiar with this company and do not understand why they are on my credit. These inquires effect my credit in a negative way. I would like them to be removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc.
State: MD

Complaint narrative:
To whom it may concern, I just found out that on my credit report that I was late paying my car payment in XX/XX/XXXX which was XXXX, I was told not to paid that because I was in the processing refinance my car to XXXX XXXX XXXX, from General motor finance. XXXX gave me a good rate for my car payment which it is XXXX a month. I am in the processing buying a home and I would like to have some XXXX to remove this from my credit report. I was following the instruction from my bank XXXX telling me not to paid that in XX/XX/XXXX because I will be getting a payment in XX/XX/XXXX which is XXXX for my car payment. the payment for XXXX would 've been paid because I do n't like anything to be late but i was told not to paid anything for XX/XX/XXXX and my new car payment due XX/XX/XXXX with XXXX. Thanks for your kindness. i really want something in my name and that is a home which i can say its mind. it something that my family and grandkids would love to have. thanks again and have a bless day.

Company response to consumer: Closed with explanation