vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-31 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
On XXXX/XXXX/15 I went to the XXXX XXXX XXXX and download the venmo app so that a friend could send me money. after I downloaded the app I link my XXXX XXXX XXXX account to the venmo account and successfully verified it by following the venmo procedures. To do this Venmo deposited {$0.00} and {$0.00} into my bank and withdraw it back out. So I transfer the {$250.00} my friend had sent me to my bank. venmo even sent me a notice saying my transfer was complete and the funds would arrive on the XXXX. The next day I look at venmo and see a notice saying my transfer had been cancelled and that the funds have been returned to my venmo but my balance was still XXXX dollars. The funds were n't in my bank either. So I wait to the XXXX to see if they would show up in my bank and they did n't. since then I 've sent about XXXX emails to XXXXXXXXXXXX and spent 10 days scouring the internet trying to find a number for this company. Instead I find a whole bunch of people who have been robbed and scammed out of their money just like me. I found these people on gethuman.com and on the venmo XXXX page. Some lost thousands some lost hundreds. I 'm attaching screenshots to prove everything I say but these are just a few others out of hundreds I found. Also I found another app square cash that 's also owned by paypal just like venmo and both companies are robbin people XXXX. I did eventually find a number XXXX and I left XXXX voicemails since Monday but no one has called me back and no one has responded to my emails except for the automated system saying that they receive my complaint and will check into it. I did get XXXX response say my account needed attention from another teen but they could n't provide me any more information. I just want my {$250.00} set to my bank.

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 2017-02-25 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: TX

Complaint narrative:
I have disputed this debt twice for it does not belong to me. I have just been out of XXXX for a year or so. I was a kid and under age, not responsible for this 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 2017-01-06 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: The Regional Adjustment Bureau, Incorporated
State: VA

Complaint narrative:
I have student loans with XXXX and XXXX, I 've spoken with both of them and they both still have all of my loans. They 're in repayment. However, the Regional Adjustment Bureau has been harassing me and other people about my loans. They call my cell phone multiple times a day. They 've called my ex-husband, they 've called and mailed my dead grandmother. It 's straight up harassment. I do n't know how they even got all of this information. My grandmother died last year and they 're sending debt letters to her house with crazy amounts on them. How they got the new cell phone number of my ex-husband, who I was n't even married to until years after I had graduated from the college for the loans is insane. They 're ridiculous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Flagstar Bank, N.A.
State: MI

Complaint narrative:
I had an account with flagstar and had my checks direct deposited from ssid. The had stopped depositing my check without notice. I had an overdraft on my account of about XXXX or so when my check should have been deposited. I called the bank and spoke with the manager at that time. He told me when my check were to start comming back in this amount wouild be detictued at that time. Before my checks started comming back in the bank was attaching fees not under my contract with them when I opened my account. The charged me XXXX per day overdraft fees for over a month. This was a fee not under our contract nor was I ever informed of fees like this at any time. The law states they have to inform you of changes to an account. They can not just attach them like Flagstar did. I has several accounts with them for years and never had this happen or heard this bank did this. This amount is all service charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-26 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XXXX XXXX, 2015, the account ( XXXX ) on eBay purchased my iPad mini 3 XXXX Wi-Fi, for the amount of {$450.00}. The account owner, named XXXX XXXX XXXX, requested an invoice for the transaction, which I provided immediately. Then I received automatically generated emails from ( what I believed were ) PayPal, notifying me of the transaction complete, and from eBay, congratulating me on selling my item. Since, I believed that I had received the payment from the buyer, I shipped it to the buyer with overnight priority ( which I charged to the buyer as an additional {$86.00} ), as we had agreed upon. Unfortunately on XXXX XXXX, 2015, I received an automated email from eBay stating " We had to cancel bids and purchases on the following item ( s ) for the buyer, because they were made without the account owner 's permission ''. Upon further review of the communications that I had received from " PayPal '' ( email address : XXXXXXXXXXXX ) and " eBay '' ( XXXXXXXXXXXX ) in regards to this transaction, I realized that although the emails appeared to be very authentic, they were in fact fraudulent and malicious. The email correspondence that the buyer provided was XXXXXXXXXXXX ( which belongs to XXXX! XXXX XXXX. XXXX according to PayPal ), The XXXX tracking number that I provided to the buyer after shipping the iPad to her, was : XXXX And the address that she requested it be shipped to was : XXXX XXXX XXXX XXXX XXXX, Illinois XXXX This address was different than her address that was provided on eBay. 

I immediately contacted PayPal, eBay, XXXX, and XXXX, to see how the situation could be remedied. I also went to the local police station to file a police report, and filed a claim on cfpb as well as XXXX. eBay provides " Buyer Protection '' to their consumers, but there is no " Seller Protection '' that protects sellers from unfortunate circumstances where users have maliciously stolen items from sellers via eBay 's platform.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Paypal limited my account and withheld my funds with no explanation. I have called them and written to them. In the phone call, they did not provide any solution. They replied to the first email stating that it 's for " security reasons '' without informing me what kind of " security reasons '' those were. Second email went unanswered. 
I previously received two emails 1 month and 2 months ago respectively informing me the uses / limits of their paypal MyCash product, which I promptly complied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 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:
PayPal contacted credit bureau without my consent. I want to register a complaint

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I made an ACH payment to my PayPal account on XXXX/XXXX/15. I have repeatedly called about the receipt of my payment and the status of my account. Although several customer service agents told me they could see the receipt of the payment, the last one told me I would be able to see it on the XXXX XXXX statement. 

This being XXXX XXXX, I went to the PayPal login page and I was denied access. I spent almost 20 minutes on the call in which I was finally given a new login ( after I was told my account user name was an email account I have n't used for almost 10 years, for example. There was other nonsense in the call all, it seems, was arranged to prevent access to my account. ) My repeated requests to have my call escalated were rebuffed and accompanied with more requests to verify personal information, the last and final was information about my bank account beginning with the routing number. At that point I terminated the call and contacted the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
A few months ago I discovered an unauthorized charge on my credit card statement for {$240.00}. I contacted the merchant regarding that charge, but unfortunately they ca n't explain or provide any explanation about it. I never gave authorization for this charge. So I went ahead and opened a dispute with my bank. Merchant sent to the bank fake receipts. Prices are higher than we agreed, and other services that I did not authorize. I wrote a letter to the bank with my explain the situation. Nevertheless, the bank charge me whole sum and advised me to solve the problem with the merchant. What can I do if a merchant is dishonest and deliberately charge me the extra money? I 'm not authorized these services and I did not sign anything. Please refund me my money.

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 2015-05-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: American Financial Resources, Inc.
State: NY

Complaint narrative:
My mortgage loan was modified in XXXX by XXXX XXXX at that time an escrow analysis was completed and my payment increased {$17.00}. My loan was transferred to American Financial Resources in XXXX XXXX. I recently recieved a statement from this company advising that I have an escrow shortage of {$2000.00}! I called and spoke with a customer service rep who was rude, and basically told me yes the previous servicer did not complete an escrow analysis which is a direct result of the large shortage but we cant do anything about that now as the new servicer and the funds were already advanced to pay your taxes. This is a clear RESPA violation that no one wants to take responsbility for and put it on the consumer. This money should not be only me to come up with this is the servicers error and they should take full responsibility and take the loss! I then emailed the servicer requesting an escrow spread as I do not have the funds to pay the shortage in full and beginning XXXX/XXXX/XXXX they are increasing my payment {$180.00} to cover the shortage over 12 months. I can not afford this error that was not mine I pay my mortgage payment and it is the responsibility of the servicer of my loan to pay my taxes and insurance out of my escrow account and to also review annually to ensure funds are available for these advancements. I am a single mother, living paycheck to paycheck and i refuse to be taken advantage of my money is hard earned! I have not heard anything back from the request to spread the escrow shortgage over 5 years and the request was sent XXXX/XXXX/XXXX. I will not stop here with the complaints I will make a RESPA complaint as well as go to the media and social media if necessary, please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I was trying to do purchase on ebay and pay through paypal and actually the seller is Paypal ( Paypal digital gift cards ) and all my transactions are declined for straight two days ( XXXX/XXXX/2016 and XXXX/XXXX/2016 ) When I contacted them they said they issue is resolved and when I tried it again it did n't work. Then I called them again and talk to supervisor named XXXX ( ID : XXXX ) and first level support is better then this guy answers. Some of the answers are given by him are hilarious 1. " If your transaction keeps failing then you should not buy that product ''. - Paypal ca n't dictate me what I can buy or I ca n't buy. 

2. When I told him that I wasted lot of time calling you guys multiple times- His reply was " I did n't told you to call Paypal ''. If there is a problem then I need to call Paypal that 's why there is a customer service. He is implying do n't call customer service if there is a issue. 

3. He told Paypal ca n't guarantee a transaction I told that is fine but when there is a issue can you at least try to solve it he said " If the system thinks there is a security issue we ca n't do anything about it ''. When I asked when the issue will be resolved whether 1 day, 1 week, 1 month he said he do n't know and issue may not be resolved ever as well. 


I am not sure how such a guy has been appointed as supervisor and still continuing to do so. 

If paypal want to sell gift cards @ promotional price to only few customer then they should do targeted advertising. If they advertised in public then they should honor the purchase and should not block people based on the profile using security as shield to protect them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Flagstar Bank, N.A.
State: MD

Complaint narrative:
I pulled my credit report and there was an account from Fagstar which I never had I have made several attempts to get this resolved because i was a victim of identity theft but nothing has been done.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
PayPal has locked my account, i.e. refused access or approval of available funds, at least 3 different times within the past two weeks. The PayPal account I have is designated as a business account ; however, once funds are deposited from normal customer sales I expect to be able to use the funds as needed, business and personal expenses. Since XXXX XXXX, 2016, two of the instances when PayPal 'locked ' my account and prevented access to my funds was because they saw numerous uses of XXXX. I explained to PayPal that I have no other access to transportation where I live and in my health condition ( bus stop a mile away and I have XXXX ). I explained further that in addition to my using XXXX, both of my kids are using XXXX using the same account. So elevated XXXX usage is justified. 

The third time my account was locked PayPal said that I needed to verify my 'existence/identify '. My account was 'locked ' preventing access to available funds until I uploaded, my driver 's license, a utility bill, shipping receipts, business information, supplier information, and invoices. At the time, my daughter needed an XXXX to get home but could not because the account was locked. She was stranded, causing a potential safety issue and cause for alarm for me! 

My complaint with PayPal is the random locking of my account preventing access to MY MONEY! This is n't prevention of fraud, this is PayPal dictating my purchase patterns which should be beyond their authority.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-25 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
Paypal limited my account on XXXX XXXX, and would hold my cash balance of {$2700.00} for 180 days. And I was told this action was not appeable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
PAYPAL ... PAYPAL ... PAYPALI am sure you know that paypal holds moneys from small sellers at will by setting up their own policies for disbursements. It is supposed to be for the protection of buyer and seller, but it is really just a scam to increase their balance in interest bearing accounts. For XXXX sakes, how long are you going to allow this practice? If it 's legal to do this because they are not really a bank, then at least bring it out in the open. I am XXXX years old and trying to augment my Social Security payments and they are squeezing me.Their Corporate Chief Legal Counsel works on " human rights '' pro-bono. What a morbid joke! 
XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Columbia Recovery Group LLC
State: WA

Complaint narrative:
Columbia Recovery Group is continuing to report misleading and inaccurate information on my credit report. Which is a tatic used to keep my credit score low. Account reporting XXXX MONTH TERM, How is this possible? I never enter into any contract or signed any documents with this collection agency. They have no right the furnished any information on my credit report. I never gave them any permission. They should be shut down. They are taking advantage of XXXX like myself. They are adding stress to my life and is making it impossible for me to obtain credit. I have only few weeks to buy a home but Columbia Recovery Group is making impossible by reporting misleading and inaccurate information or my credit report. 

All data reporting must be 100 % accurate, 100 % verifiable and 100 % timely or it must be DELETED. PERIOD!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I changed XXXX in XXXX 2013 from XXXX and to do this I owed a balance of {$300.00}. This same day I went down there and paid the balance. I had been in a continued argument with the office manager XXXX. Apparently to get even she sent this bill off to collections when it was n't even past due nor late. I paid it the same day! I will include proof! I have been fighting for over 4 years to get this off my credit report that they have reported it to. Not only that the collection agency they sent it to is still reporting it as bad credit.

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 2016-10-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I Have A Paypal Account And I Have Had It Every Sense 2014 And I sold an item around XX/XX/XXXX On Ebay and I Sent A Invoice And When I Went to my Paypal Account To See If The Buyer Had Paid There Was A Message Say You Account Has Limitations For An Unauthorized Transactions So I Contacted PayPal And Talk With Several People They Was No Help Some Of Them Had Nasty Attitudes And Was No Help So I Want You 'll To Investigate This Matter Because I 'm Getting The Run Around And It 's Not Fair

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 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:
This email relates to PayPal Credit. I have held a traditional PayPal account for some time. Last month, I paid a bill to XXXX and was offered Paypal as a payment method. With a positive balance in my account, I was under the impression I was paying from my balance. 

However, 3 weeks later I received a statement and terms and conditions for something called PayPal Credit. This was completely new to me, and not a product XXXX either wanted or was clear I had signed up for. 

I called PayPal this evening to understand what this was, and was purely told it is something I had signed up for and terms and conditions can be found online. The attendant informed me that this had made a hard pull on my credit history, which is most concerning. I have worked hard to build a secure positive credit history and take great efforts to keep this as a true reflection of my credit history. 

I 've now paid the balance in full - to prevent any charges - but remain very disappointed and entirely misled by this product offered by PayPal. I am a XXXX year old XXXX and feel I am astute and thorough when I manage my money but this has totally shocked me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: The Receivable Management Services LLC
State: PA

Complaint narrative:
RMI has called multiple times after XXXX, even after XXXX, despite being informed that the matter is contested - charges for medication insurance ( after date of cancellation ) that had been cancelled because the insurance had ceased medication coverage! RMI was told the billing was contested, with request for the names of their officers/owners and those of XXXX Mmedicare RxSaver Plus PDP who apparently sent them the bogus charges and instruction not to contact me again until that information was provided. Not only has RMI not provided the requested material. Not only has RMI continued to contact me, but now they are repeatedly contacting me after XXXX. When their telephoning individual is informed that they are calling after XXXX, they are refusing to terminate the call.

Company response to consumer: Closed with non-monetary relief