vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Cohen, Roberts & Associates, LLC
State: MD

Complaint narrative:
On XXXX XXXX 2016 at XXXX est I received a voice recording message from XXXX XXXX ( XXXX ) and employee of Cohen, Roberts & Associates, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Ohio XXXX Phone : XXXX Fax XXXX. Asking me to call her back and threatening and informing me that she was planning to take a lien out on my property for a debt she had yet to identify. When I inquired what was this about she informed me of a service that was suppose to be handled under and Homeowners insurance claim. She then accused me of canceling that claim ( which I did not ) and then XXXX XXXX began to repeatedly threaten to have lien placed on my home ( again als stated in the voice message recording ), I was repeatedly threatened to be hung up on and to taken to court and sued, it was repeatedly insinuated that I was lying. I pleaded with her about her tone and she stated she was doing me a favor of calling me because she could just put the lien on my house. She purposely, provided misinformation regarding the customer satisfaction survey I filled out from the debt holder stating that I had " given them all XXXX '' and question why I made no mention of the electrical fire issue the company caused. When in fact I did on section XXXX of that customer satisfaction XXXX Form. I repeatedly tried to get her to reduce the threatening and aggressive language towards me yet she would not repeatedly threatening to place a lien on my home for the debt. At one point I was practically in tears due to the emotional trauma and stress she was inflicting. Which she replied, " maam i 'm just trying to collect debt, I 'm going to be paid regardless if you pay the debt or not and have a lien put on your house ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I received counterfeit items from eBay ( XXXX pairs of headphones for a total of {$310.00} ) on XXXX XXXX, 2016 but was unsuccessful returning those items to the seller on eBay. As PayPal offers buyer protection, I opened up a case on XXXX XXXX, 2016, requesting a refund. I was instructed to send the items back to the seller before XXXX XXXX, 2016 to receive a refund. I went to the post office to ship the package on Saturday, XXXX XXXX, 2016, and the employee told me that the XXXX XXXX address was unlike anything he had ever seen and highly suggested not to send the package. I called PayPal, who assured me that the address was correct. Additionally, I was told that it would be acceptable to send the package on Monday, XXXX XXXX, 2016, since the post office is closed on Sundays. This package ended up costing around {$50.00} to ship, hence why I made sure to double check with PayPal before I sent the package. I woke up on the morning of XXXX XXXX with an email saying that the case had been closed but was reassured once again that I could reopen the case after I sent my package. On XXXX XXXX, 2016 I received an email saying that the resolution was : " As you have provided valid information supporting your appeal, we have sent a courtesy email to the seller requesting that they issue you a refund to resolve this claim. '' It is now XXXX XXXX and I have still not received a refund. Throughout this entire process I have called PayPal almost 10 times, being given reassurance and instructions that I followed. My phone call tonight was escalated to a supervisor and a manager, but PayPal was still unwilling to give me my money. The first representative left the seller a voicemail and sent an email reminding them to refund my money. I asked why PayPal could n't refund my money and was told " well you would n't like it if we took money out of your bank account. '' I was escalated to a supervisor who told me since I did not send the item within 10 days that PayPal is not legally responsible for getting my money back. I was then escalated to a manager who told me the same thing. Despite my constant communication throughout this entire return process, in the end PayPal was not willing to refund my money. When I view this case online, it shows that the decision has been 'granted '.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-19 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
PayPal signed me up without my knowledge or consent for a FRAUDULENT " line of credit '' of {$500.00} and defaulted my Ebay payments so that I payed by this line of credit when I actually wanted to pay using my credit card. I made a purchase on Ebay on XXXX/XXXX/2015 and was by default " steered '' to pay by Pay Pal credit. I contacted them immediatly and asked to pay by credit card and they said, " They could not take a credit card payment over the phone '' and made me mail them a check! I cancelled the line of credit, that I never opened with them in the first place, and then closed my Pay Pal account which I have had for about 11 years. Pay Pal is committing fraud, stay away from Pay Pal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-06 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: Paypal Holdings, Inc
State: NH

Complaint narrative:
While on an extended vacation from XXXX XXXX 2015 to XXXX XXXX 2015 traveling across several states I did not receive my PayPal Credit statement with a balance due and subsequently on the next Statement that I did receive was billed a late fee of {$25.00} with interest charge of {$2.00} ( {$27.00} total ) for a purchase totaling {$62.00}. I submitted one XXXX web site contact email requesting to have the late fee and interest removed, have received no response from XXXX. I subsequently submitted an email to the Director of Investor Relations of XXXX requesting the late fee and interest to be removed with no response. This is the first and only time I have been late in making payments against my PayPal account - we use other credit cards extensively without ever triggering any late charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-25 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Evergreen Financial Services Inc.
State: WA

Complaint narrative:
A representative of Evergreen Financial Services, who called herself XXXX XXXX, called my place of employment during business hours. Until this date, I had no prior knowledge of any outstanding balance. She was very aggressive and demanding that this issue be resolved. I told her if this was a valid balance owed, I would look into it and resolve the issue as soon as possible. She asked me questions like how much is my income, where is my current street address, which I do not give out to any stranger over the phone. She became agitated and kept repeating the same thing over and over, as if I were to resolve the debt immediately, meanwhile I am trying to conduct business at work. I have no problem clearing this debt, but with such unprofessional business practices, the last thing I want to do is send Evergreen Financial Services money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I wanted to sell a few things on Ebay. Ebay instructs sellers to create a Paypal account in order to sell on its website. Ebay collects the sales price and then disburses the proceeds, after deduction of Ebay 's fees, to the seller 's Paypal account. I therefore applied for a Paypal seller 's account so that net sales proceeds could be paid to Paypal. Paypal requested and I supplied my bank account information and a credit card. They also demanded documentation of identify. I uploaded a copy of my driver 's license. The bank account was verified and the credit card was approved. I received an email message from Paypal that I was " verified. '' A few hours later I received an email demanding that I supply a copy of my credit card statement and my bank account statement. This demand is what I find to be overreaching. The credit card statement reveals my credit limits and other personal information. My bank account statement reveals my deposits, payments, to whom these payments are made, and other private information. I do not wish to reveal this information. It is too intrusive just for the ability to sell a few things on Ebay. To have this personal information become part of the business records of Paypal to do with it as they please is concerning to me. And no entity appears to be immune from hacking. These statements in the hands of hackers could cause me identity theft problems and could open the possibility of my bank account being accessed and my credit card impacted. Additionally, I have separate buyer 's account at both Ebay and Paypal. The Paypal buyers account has been in use for about 10 years without any misbehavior by me so that these additional requirements seem to be overreaching and designed to obtain unrestricted access to my accounts. It also creates privacy and overreaching concerns. There is no legitimate reason for these requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
Because I filled a CFBP complaint Paypal customer service is stating that they are not allowed to speak to me because I filled a CFBP complaint Case number : XXXX. I filled a CFBP complaint and not a lawsuit so it 's not clear why Paypal is behaving this way. 

Paypal customer service suggested I instead write to Paypal 's Legal Department with any question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc.
State: CA

Complaint narrative:
Received a phone call this morning from ARA XXXX claiming to be a law firm ( XXXX ). Claimed I owed a line of credit to XXXX XXXX XXXX for {$20000.00} from 1992 and that I needed to pay immediately or they would file a lawsuit with the XXXX XXXX Courts and the sheriff would be at my door with a summons. I told them I have never done business with XXXX XXXX XXXX and have never had a line of credit. He said that it has showed up on my credit report for years and many attempts have been made to collect. I told him I have never seen this on my credit and I do not owe the money and that the statue of limitations has already passed. He said I must owe the money because I know of SOL and that he could make a deal with me to settle the debt if I paid now. I once again told him I did not owe the debt - he then processed to talk over me in a very threating manner saying that he was going to file the suit and the next time I hear from then it would be the sheriff at my front door - he then screaming some profanity at me and hang up. I am over XXXX and feel that this type of behavior is getting out of control especially with the senior population.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
I have a PayPal Credit card that I did n't " knowingly '' apply for. I thought I was making a donation to XXXX and paying for it with a credit card that I use for everything. Later I received a billing statement from PayPal. I called to get an understanding about the bill and " credit card '' and learned that I had actually opened the account. This struck me as odd and deceptive. When reading an article on the internet today, I decided to report this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The Regional Adjustment Bureau, Incorporated
State: AZ

Complaint narrative:
XXXX XXXX of the Regional Adjustment Bureau XXXX has left messages with every extension on the directory that she is attempting to contact me to collect a debt. I have no idea who this person or company is or what they are trying to collect. She has been told repeatedly to quit calling this number. She was very rude and kept telling me to give her my birthdate and social security number. That is not going to happen. Please have her cease and desist.

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 2015-08-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A.
State: NV

Complaint narrative:
In XXXX 2008 when I bought my house that was listed for {$190000.00} the bank told my real estate agent that in order for me to secure the house I will have to over bid and offer {$210000.00}, the bank mislead me to offer {$18000.00} over the listed price, when home prices were actually dropping and no raising, and the bank knowing this approved the loan, after about 4 years my home value went down all the way to about {$130000.00}, at the time when the economy was really bad my employer changed my salary status from {$XXXX} yearly to {$XXXX} hourly. I took about 35 % pay cut and I was struggling making my mortgage payments so I was forced to ask the bank to help me to modified my home loan to avoid loosing my house, after months of fighting with the bank they approved a loan modification, but what they did, they added around {$12000.00} to my loan debt, they gave me 4.5 interest rate and they reset my loan to 30 years again ... 
Right now after 7 years been paying my mortgage, my loan balance is {$200000.00} and my home value now is around {$180000.00}, I pay over {$100000.00} towards my house and my mortgage balance still {$200000.00} how is that possible? .... 
At work now after all the salary cut I took, they cut my hours as well and over time is out of the question anymore, so I been struggling paying my mortgage for the last 2 years, I used all my savings, and I been living in credit in order to be able to pay my mortgage, but I came to appoint where I do n't have more savings or credit available or unused credit in order to continue paying my mortgage, I contact my bank for help but as always, they just keep me running in circles, requesting the same information XXXX of times and loosing papers time after time without a concrete answer to solve or help me to keep my house ... 
I believe I was a victim of predatory lending, no just XXXX but XXXX times already with the same bank, and after all the money that the government gave to the banks to help people like me that is in trouble paying predatory mortgages, the only thing that in this case my bank does is profit more ... 
That 's why im requesting an investigation from your agency and review my loan and the modification that they did and why my balance still so hight and why the bank is giving me a hard time to do a real loan modification when a person like me really needs it and refuse to do it when I qualified for XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Prepaid card — Mobile wallet
Issue: Managing, opening, or closing account — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I have funds in my Paypal account. Suddenly, Paypal limited my account and I am no longer able to access my own funds.

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 2015-08-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
Paypal fraudulently initiated a hard credit inquiry and opened a {$5000.00} Credit Account, in my name, without my written permission. I had no idea this was occurring until my credit score, which is just over XXXX, dropped due to the unauthorized hard credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
Paypal Credit is requesting a high minimum payment well over XXXX, I do not have the exact amount available, however, I know its over XXXX. I understand the account is past due, however, this amount far exceeds my weekly paycheck. Ive attempted to request this amount lowered, however, calls are transfered over to collections and reps will not lower amount. This is highly unfortunate as it is in the best interest to cooperate if they wish to see any kind of payment ( s ) at all. Please advise them I can not pay such a high amount, it will have to be lowered.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
This is a complaint against PayPal. They made a payment from my account without my authorization, to eBay buyer. I got a damaged returned item, but did not have a chance to inspect it, PayPal instantly withdrew funds from my account leaving me completely without consumer protection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I used Paypal to request payment using XXXX new features, the " request money feature '' and the " invoice feature '' on XXXX XXXX, 2016. 

Neither I nor the payer were notified of the fees being charged. Paypal alleges that disclosing fees in the FAQ section and Terms and Conditions was adequate, and they could represent the transaction in a way that neither user would pay fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: NE

Complaint narrative:
On XXXX, I was in contact with a manufacturer for some items out of XXXX XXXX, and we agreed on XXXX payments ( XXXX for {$150.00} transaction ID XXXX and XXXX for {$120.00} transaction ID XXXX ). The items have not been made, they have not been shipped, the manufacturer wo n't send pictures of the items because they items do not exist, and all I get is excuses. I had originally been quoted 30-45 days from date of first payment. As of XXXX, I was told the items were turned back at customs. I reached out to PayPal for a dispute, but since I was assured on day 15 of the 20-day window for the dispute the items would be done, the dispute was closed. XXXX, I reached out to PayPal and they told me they wo n't open a claim because I did n't follow up in the 20-day timeframe, and my bank only allows disputes after 60 days of initial transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
MY FATHERS RESIDENCE AND THEY HARASS ME CONTINUALLY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-18 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: SD

Complaint narrative:
I payed the XXXX XXXX office with my XXXX credit card and they said they never received payment, I have a receipt and they always make you pay the day of service

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 2015-07-01 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc.
State: OR

Complaint narrative:
Called and told my employer that they were calling on a legal matter. When I was passed the call, I was told by XXXX XXXX of ARA , Inc. that she was contacting me and my employer to notify them of a judgement against me in the county in which I live. First of all, she herself stated the debt was charged off XXXX ( which is a lie ). Secondly, I have never been notified of any court proceedings because there have been none. I have received numerous threatening letters and harassing calls even after requesting they do not contact me at work again. That debt was 7-10 years old XX/XX/XXXX and I have lived in Oregon for the last 12 years ( in XXXX ). These people need to be dealt with. This abuse is not allowed by the Federal Government or any State in the United States

Company response to consumer: Closed with explanation