vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-05 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: The Receivable Management Services LLC
State: LA

Complaint narrative:
I cut service off with a company ( XXXX XXXX ) XX/XX/XXXX. That same company sent a delivery to my office XX/XX/XXXX without approval. They claim my admin. assistant authorized the purchase. Per our company policy, assistants do n't have purchasing power with any vendors. They sent subsequent billing statements, and I repeatedly informed them I had no use for their product. Ultimately they sent me to a collection agency. We tried to reach an agreeable resolution, but that never happened. They would not comply and then turned my account over to collections.

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 non-monetary relief
Consumer complaint received 2016-08-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
I got a loan for a truck in XXXX, XXXX. Even though I was told the truck was still under warranty, a warranty in the amount of XXXX was placed on the loan of the truck. During the first part of the loan, I attempted to use the warranty but no one would accept the warranty. When I informed the lender, no action was taken. In XXXX, after filing a complaint with Michigan XXXX, the lender provided me with a number regarding the warranty. I contacted them and sent a letter in getting it off my loan. It was XXXX XXXX, XXXX it was finally cancelled. they only gave me XXXX of the warranty. I know they do n't have any information because I was told I could change the billing date from the XXXX to the end of the month but later I was told it could not be done. When they contact me they always ask me the same questions, why am I am late and it is not in the records.

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 2015-08-27 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRINITY HOPE ASSOCIATES
State: NC

Complaint narrative:
I received a call ( XXXX ) from Trinity and Hope Associates on XXXX/XXXX/2015 about a bill in the amount of {$610.00} owed. I asked to check with insurance ( XXXX XXXX XXXX XXXX XXXX South Carolina ) on the issue and gentleman replied he would not that I refused to pay and hung up. I called back and got recording. I left message stating that I did n't refuse payment I had simple ask to check with insurance for more information. On XXXX/XXXX/2015 obtained original number and information on matter from XXXX Hospital and was advise to submit to insurance to see why not paid and to call central billing ( XXXX ) It was then I encountered XXXX from Trinity and Hope. She accessed my files and said the amount owed was {$1100.00}. Since I had no record of bill I agreed to pay amount with my XXXX XXXX Card, fearing that case would be turned over to attorney and fees and penalties would incur according to XXXX. XXXX then conferenced in a representative from my insurance company, XXXX, and while pretending to be canceled by previous request for insurance to submit for insurance to pay. XXXX seemed suspicious but with proof cancel the request to submit. I then paid amount {$1100.00} not remembering the call from day before that quoted {$610.00} XXXX promised to call back the next evening with her associates name XXXX to request reimbursement from my insurance company for the payment made to her company. I have not heard from Trinity and Hope since. Feeling uneasy about situation I called XXXX XXXX that same evening and found that the only charge pending for that day was {$1500.00} to XXXX XXXX XXXX XXXX, name that was never mentioned in call to XXXX. Only Trinity and Hope Associates was mentioned. I was advised by XXXX XXXX to wait until charge was posted before I disputed it. This is what I did, submitting to them all paperwork on this matter. Finding bill from hospital in the amount of {$610.00} I was willing to dispute only the excess charge over that amount however after calling insurance and learning there was never a request for payment from hospital in my name or the billing account listed I decide to dispute the entire {$1500.00} that was charged. My insurance is looking into that matter.

Company response to consumer: Closed
Consumer complaint received 2016-10-13 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: The Receivable Management Services LLC
State: PA

Complaint narrative:
I ordered a printer from XXXX, and many things happened just for a coupon to work because the rep told me to order first then he 'll apply coupon for me. Afterward, I tried to cancel a few times because they would n't honor the coupon then fast forward 2-3 weeks later, I still get no tracking or anything of this printer because I was supposed to deny delivery in order to get my refund. So then I disputed with my credit card company and won and thought this ended. They come after me months later trying to get money off me for this printer that I did n't receive and of course I emailed back and forth with them. They told me they fixed it and gave me credit for this. I even emailed the receipt and information to their collections email and now I get collections notice today in the mail that it went to a collections agency.

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 non-monetary relief
Consumer complaint received 2015-11-21 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: Flagstar Bank, N.A.
State: MI

Complaint narrative:
I went to Flagstar Bank, XXXX XXXX XXXX XXXX in XXXX XXXX, Michigan to open a home equity line of credit. XXXX (? ), branch manager assisted me in opening this line of credit and all the paperwork it entailed. I told XXXX there was a possibility that I would n't need the entire HELOC or that I may not use it at all. He said let 's go ahead and do the paperwork and that way the money will be there if need be. Fast forward two years later, and I did n't use the HELOC. I recently sold my house in XXXX XXXX, 2015, my realtor advised me that I have to close this HELOC, which at that point I went to Flagstar bank and worked with XXXX XXXX, assistant branch manager. XXXX printed out the closing paperwork for the HELOC and to BOTH of our surprise there was a fee of {$560.00} attached to it! I asked him what this was all about since I never even used one penny of the money available of the HELOC. XXXX replied, that he did n't know and would research this for me. A few days later he called and said that because I closed the account before 36 month term for XXXX, I have to pay a penalty which was an early termination fee! This was not explained to me by XXXX and oddly the branch manager was n't even aware of such practice. XXXX and XXXX both said I would need to file with the office in XXXX, Michigan that handles customer service complaints. I did this and the women took my complaint, unfortunately I do not remember her name. She said she that someone would be in contact with me in 3-5 business days. After not hearing anything for two weeks, I went back to the bank to let XXXX know that no one has contacted me and I 'm pretty upset with this fee that was never explained to me, and that if an assistant branch manager does n't know about this, how can this information be passed on to the consumer? XXXX ( branch manager ) overheard this and replied that it was in the paperwork. Well, why did n't he point this information out to me and make it clear before having me sign the paperwork? I told them both that I understand I, as a consumer, have a responsibility to understand fully what I am signing, however, my bank, and trusted institution where I do my financial business also has an obligation and responsibility to be forthcoming and carryout ethical banking practices. That is my complaint and I would like to recoup my {$560.00}! I will also be closing my account with Flagstar bank no longer allowing them the privilege of serving me as my financial institution. 
XXXX XXXX -mobile

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I attempted to make a credit card payment for {$150.00}, XXXX payments were submitted : XXXX for {$140.00}, and XXXX for {$150.00}. I immediately called PayPal to correct the payment and was informed there is no possible way to correct a double payment. I only submitted and authorized XXXX payment for {$150.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
My complaint is against PayPal refusing to refund a XXXX shipping charge in the amount of {$39.00} to ship back a product I had not ordered. 
I purchased a ladder from XXXX. I was supposed to receive a XXXX ; I received a XXXX I demanded a return postage label to send back the item I had not ordered. XXXX refused to acknowledge that the shipper had listed a fraudulent ad on their website. The website advertised the product a XXXX but had the picture of a step stool worth about {$27.00}, as opposed to the {$87.00} I paid through PayPal using my XXXX credit card. XXXX gave me back the {$87.00} for the ladder I received on XXXX 
Because I had to pay PayPal for the ladder ( using my XXXX credit card ), XXXX said I had to deal with PayPal to get a refund for shipping back the step stool. PayPal kept claiming during phone call after phone call that I would get my money back. It was only when I had a XXXX CSR on the line with PayPal that PayPal provided return policy ( on XX/XX/2016 ) and revealed a website address where I could file for a refund of the shipping charge in the amount of {$39.00}. 
The policy stated I had to provide proof of return had to provide proof of return. That is all. 
The website actually required more than the proof of return. 
XXXX. I was able to provide a pdf file from XXXX showing that the product was returned. 
In addition, the website required : XXXX the original purchase receipt, XXXX proof of return shipping cost. 
All proofs were to be digital and I attached all files requested on the " XXXX. '' I received a message that my claim for a refund was disallowed because the file format for " XXXX proof of return shipping cost '' was the wrong format. XXXX did not provide a receipt for the cost. I had to set up a XXXX account to return the ladder, and I had to pay the {$39.00} with my XXXX credit card. All I could do with the time frame given on the website was copy the transaction on the XXXX website and create a text file. 
In summary : PayPal listed only XXXX proof -- which I provided -- to get my refund of {$39.00}. The XXXX website required additional proofs and rejected the file format for the {$39.00} I paid by credit card to ship back the item I did not order. There was no other file format available for this proof.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-19 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have a PayPal Credit account for many years. They have a XXXX liability policy for fraud. On XX/XX/XXXX I filed a claim for {$940.00} ( my first claim ). They have done nothing to resolve the issue. And I was just informed by a PayPal dispute representative that there is no one at PayPal Credit I can talk to, ever. 

PayPal 's site claims their liability protection is the same " as that provided by most major credit cards ''. That is clearly untrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
On XX/XX/XXXX at XXXX, I received an email alert from Paypal that I had authorized a payment of {$39.00} to XXXX. I emailed them back and told them I had not authorized such payment, asked for refund. I also emailed XXXX and told them I had not authorized any such payment or any continuation of services. Asked them to cancel. XXXX renewal date was XX/XX/XXXX, the date I emailed them, so I saw no reason for them not to cancel and refund my l money. I received an email from XXXX on XX/XX/XXXX telling me I could change my payment options from automatic for the following year but they would not refund my money. I went to XXXX website to check my account and the only account authorized for payment was my debit card from my bank, not my Paypal account. The debit card on file with them was no longer valid, I had to get a new one. I do not know how they got my Paypal information. I contacted Paypal and told them this, but all I 've gotten from them is form letters telling me to change my payment plan on their website, but I never authorized them to pay it in the first place. I have contacted both Paypal and XXXX several times and informed them that I saved the XXXX page, took pictures of it and printed it, showing that I had not authorized use of my Paypal account. I also have asked for an explanation of what the {$39.00} charge was actually for but have not gotten any good answers about anything. I then checked back and Paypal paid XXXX {$19.00} from my account in XX/XX/XXXX, which I also did n't authorize. I have checked the consumer complaint boards and there are XXXX complaints about XXXX and Paypal doing the same thing to other people. Please stop them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-02 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Paypal banned me for life because they say I violated their Terms of Service. I added money to my account using their XXXX cards and spent it using my Paypal Debit card. They previously gave me a " warning '' against getting cash back at the grocery store so I avoided doing that. In the end, buying a pizza and clothes for my kids got me a lifetime ban from Paypal. I explained that I 'm feeding and clothing my kids but their phone agent could n't care less. She had a sarcastic tone and I could hear her rolling her eyes ... .. 
When they point to an opaque wall of text XXXX to justify hurting my family over nothing it makes me angry. If they 're trying to fight money laundering or whatever they 're doing a lousy job.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A.
State: IN

Complaint narrative:
I applied for a modification XX/XX/XXXX. I was approved XX/XX/XXXX (? ) and was sent a modification XX/XX/XXXX after successfully making my trial payments. However, the modification had the wrong address, it listed the wrong state. I called to notify them and was told not to return it as it could n't be accepted and to continue to make my trial payments each month which I have done. I have called to ask why I still do not have a new modification agreement and told to continue to make the trial payment amount and wait. I have had someone come to my home and leave a note on my door to call Flagstar as well as take pics of my home for the last 4 months. I am talking at minimum once a month to Flagstar and complying with what they are requesting. How is the harassment fair? Last week I received a notice that I was turned down for failure to return my modification and they were resuming foreclosure. I contacted Flagstar in which they stated the same thing. After a tearful XXXX minute conversation, they stated I was correct they sent the wrong modification agreement and advised me not to return it. I should not be concerned and a new agreement would be sent in the next 5-7 days. Last Saturday I received a notice from an attorney about an eviction. Now again today someone has showed up at my door with an urgent notice and taking pictures of my home. 

Why has it taken 11 months to complete this, why is n't someone staying on top of my file, and why am I being harassed unnecessarily?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I attempted to make a payment using my mobile PayPal account on my phone. When I thought I had sent the payment I was enrolled in the PayPal Credit program and the very small payment ( appr {$22.00} ) was paid by a " pre-approved '' PayPal Credit. I would n't have even know I was enrolled unless I had received an email " Congratulating '' me! I NEVER intended to enroll and there was no XXXX verification step to confirm I wanted to. 
The problem is, I am in the process of securing a mortgage and trying to maintain a high credit rating. PayPal through this process has submitted a " hard '' credit check on my credit report which could hurt my credit rating as well as my ability to secure the loan!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Paypal repeatedly calls me from an unlisted number sometimes XXXX times a day. Sometimes XXXX to XXXX minutes after the XXXX call. I answered the call once to see who it was. It always comes up as " Unknown '' on my phone so I generally refuse the call from such numbers. 
They said they were collecting a debt from PayPal, which I do owe. I said I know about the debt and that I would try to get a payment said thank you and goodbye. 
They still call me repeatedly, the only way I know it 's still them is the voicemail they 've left maybe XXXX times. Most times it 's just repeated phone calls from " Unknown ".

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NC

Complaint narrative:
Six days ago I, uploaded a song I made on soundcloud and talked about it on my twitter account. At Tuesday morning XXXX XXXX 2015 I received a message via twitter from a person under the username XXXX saying that he heard my song from soundcloud and that he wanted me to preform live on stage. The person continued the convosation by sending me an email stating three differient levels of exposure, A Slot : $ XXXX Full Promo / Massive Promo Includes : XXXXCd 's, XXXXPosters & Flyers, XXXX-T-Shirts ( Male/Female XXXX & Towels to hand out to fans. Also you will receive A Placement on XXXX Mixtape. Radio Interviews XXXX XXXX XXXX XXXX, XXXX Hour Block of Studio Time ( XXXX ), Club & Radio Spins in XXXX, XXXX We also set up XXXX paid shows for artist appearing on showcase. Tickets to attend 2015 BET Awards Red Carpet Event On XXXX XXXX 2016 VIP. Meet & Greet with celebrity guest XXXX. Compensation for miscellaneous things. 
B Slot : {$1500.00} -You will receive everything in slot A except for XXXX XXXX paid shows and XXXX Hour Block of Studio Time. 
C Slot : $ XXXX Artist or Producer will receive : XXXX Cd 's, XXXX Posters & Flyers, XXXXT-Shirts ( Male/Female ). Towels to hand out to fans as well. 
Bonus Slot : Negotiate On Rewards And Placement. For the break down of the slots pricing and credentials will be explained upon request. for an unsigned music artist, such as myself, at differient prices. I wanted to reserve slot A but did not have the full amount requested. He then called me saying that i could pay him XXXX XXXX dollars as a deposit and pay the rest once I reach XXXX. The person told me to send the XXXX XXXX dollars via moneygram by either walmart or a moneygram building and to send it to his assistant XXXX XXXX at XXXX, XXXX Once the assistant received the money, I would be contacted back. Once the money was sent I went to twitter and noticed that the person blocked me. I called the person on his cell phone but was sent to voice mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
I have XXXX PayPal accounts. PayPal restricted all accounts in XXXX 2014. They were very difficult to reach. When I did reach them, they asked me to send them some information, which I promptly faxed to them. I called them once again, and they told me they would release my money in 6 months. While I was extremely unhappy about them essentially stealing my money for 6 months, I decided to wait it out. Now, it 's been more than 6 months, and PayPal will not give me my money. 

XXXX account is XXXXXXXXXXXX. I has {$180.00} in it. Another account is XXXXXXXXXXXX. It has {$310.00} in it. The last account is XXXXXXXXXXXX. It has {$700.00} in it. 

I would greatly appreciate your assistance in getting my money back. 

Thank you, 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 2016-06-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I sold some personal items on Ebay which owns PayPal, Ebay charges a 10 % fee for the service, they force you to deal with PayPal ( which they own ) in order to receive the funds. PayPal acts in the capacity of a bank, they receive the payment from the buyer and then process by wire to the seller. The problem is they charge a 2.9 % fee for their service. They do not inform the consumer of the amout of time for the transfer nor do they allow for alternate methods of payment that will avoid having to pay the 2.9 % fee. they received the payment from the buyer on XX/XX/2016, as of today XX/XX/2016 I have not yet received the funds, neither have they transferred to the Federal Reserve for wiring into my account. They are charging for services while earning interest on my money and not providing any refund or rebate on the fees, they act as a bank even though they claim they are not one. I want a refund of the 2.9 % fee since they have not provided any services for this fee, in addition this fee should be a part of the ebay fee charged of 10 % this is usury.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 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: MI

Complaint narrative:
Used debit card to pay for brother 's phone as Birthday present. Account debt is being targetted at me.

Company response to consumer: Closed with explanation