vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
I have an auto loan with Credit Acceptance Corporation. I advised the company that I am unable to make my payments on the XXXX of each month and needed to change it to later in the month so that I can pay my rent and other bills on time. I was told the due date ca n't be permanently changed but I can request a due date adjustment each month if I need one. 

I have been adjusting my due dates a day before they are due to ensure payment is receive on the adjusted due date. I recently received a call from the company stating that I have 2 months of late fees for the last two payments I was allowed to adjust. I was advised by the company that even though they allow me to adjust my payments to when I can make them I am still responsible for a late fee if the payment is received after the XXXX of the month. I advised the company that my contract states that if my payment is received after the XXXX a late fee will be assessed. However, the contract does n't state that if my payment is adjusted to a later date with the companies permission that I would still be assessed a late fee. I advised the company that the only reason my payments would be made after the XXXX would be because that is how I am paid by my employer. I also told the company if I am given permission by the company to adjust my due date to a later date that may possibly be after the XXXX of the month depending on how I am paid I should not be assessed a late fee. 

The company basically blew me off and said " Just make sure you pay on time ''. The only problem with this is if I was allowed to permanently adjust my due date to later date in the month I would n't have to worry about making my payments late. I would also not have to worry about being charged and harassed about a late fee when I was given permission by the company to adjust my payment to a later date. 

I would like for any late fees to be waived and I would like to permanently adjust my due date to a later date in the month that allows me to pay all of my bills without any issues.

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 monetary relief
Consumer complaint received 2016-06-14 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I recently made a purchase on PayPal. The purchase was charged to a PayPal credit account which I do not recall having ever established. Generally my PayPal purchases are funded through a linked bank account. When I called to complain, I was told that I could close the account but was not allowed to pre-pay the charge ( I have to wait a number of days until the payment goes through ). In other words, I have to call back/log-in again to make a payment against this charge. This is despite the fact that on my PayPal account, it does show that my credit limit is decreased as a result of my purchase -- so they are able to show that I have spent the money but they do not allow me to pay it! I was also told that charging to the PayPal credit account was set as my account default, although I would never have set this default since I did not even know I had the account! Despite the call-center representative saying that my account has been open since 2014, there are no statements available on the website and this is the first time I have ever had a charge go to this account. After the call, I did an internet search and it appears that there was a class-action lawsuit against PayPal regarding the establishment of PayPal credit accounts without a person 's consent. I would like to know whether I have any rights or standing under that lawsuit or whether there is any other way to file a formal complaint against PayPal for this deceptive practice. I am also concerned because I noted to both the initial customer service representative and her manager that I believed this was at a minimum poor business practice and more likely, ripe for a class-action lawsuit, and neither of them acknowledged the prior class-action lawsuit related to PayPal credit. Clearly PayPal has not done all it should have to rectify the issues it created when setting up PayPal Credit accounts for people without their desire/consent as related to the existing class-action suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
I do not think my loan company is properly applying my payments. I have asked multiple customer service reps for a history of my past payments and a breakdown of how my payments have been applied. I am repeatedly told that they have to mail out that information but I have yet to receive it. I think that my total and past due balance is lower than I am being told. They want me to make full monthly payments every 2 weeks and my balance does not seem to move.

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 2016-03-08 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have an account with paypal credit and missed last months payment. Currently I am starting out in my career and trying to afford to live in XXXX XXXX and working XXXX jobs to pay my bills. I am stuck in an apartment I can not afford and can not afford the deposit to move to a cheaper place. So unfortunately I missed my payment for paypal credit last month. I will pay it as soon as I get paid again but in the mean time they have started to call my parents and harass them. I am XXXX years old and have not lived with my parents for 12 years. They actually have had huge financial struggles and lost their house that I grew up in and were forced to move to North Carolina where they could afford to live. I have never provided their information for anything relating to my credit. I do n't like to share this information with them because it would put too much stress on them since they are not able to help me financially. So paypal calling them and telling them how much I owe has them very upset. I do n't know how they got their information in the first place and paypal straight up lied and told my parents that they did not have my contact information. So why would they not have mine, even though that 's required to even open the account I opened with them, yet they have my parents info which I never provided with them. They keep calling them numerous times a day and it has my parents and me very very upset in this already difficult time. I just want them to stop calling and harassing my family that is incapable of helping anyways and giving out my personal account information with out any permission. I will pay off my balance it is just going to take me some time which I do apologize for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 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: NY

Complaint narrative:
I have paid off the debt to XXXX and it was sent to collections to XXXX which was paid off in full. I called XXXX myself the balance is at a XXXX balance. I checked My credit report and noticed a collection agancy names ic systems had the same amount and debt I paid off already last year. I have not revived any comminicstion from them at all. And seen it on my XXXX credit 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 2016-08-26 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: FL

Complaint narrative:
I got a phone call from XXXX XXXX for a past due amount on my internet bill. I promptly paid them and have a transaction number of # XXXX for the total amount of the payment.

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 2015-05-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I used to sell my family 's older XXXX on eBay, and insist on using Paypal as a payment method. In XXXX of 2013, I sold XXXX such device to a user in XXXX. I 've successfully sold across the globe with no issues. After almost a month this particular user however, decided to initiate a damaged device claim against me via Paypal. In accordance with Paypal 's rules, I instructed the buyer to return the device, at which time I would refund his amount. The buyer, who turned out to be a scammer, sent a box to an address XXXX zip codes from mine with an incoherent recepient ( XXXX instead of XXXX ). The Post Office would not release the box to me as my neither name nor address was on the ship to address. I contacted Paypal, who explained that they had already released the funds to this scammer ( in violation of their own terms, ) and insisted that I pay the negative balance of {$370.00} in my account. I explained to them their mistake, as I had not received the unit and this was a clear violation of their terms. I spoke to XXXX representatives of the company over XXXX month, at which time they closed the dispute. I was then instructed that I needed to pay the amount ( {$370.00} + approx {$50.00} for shipping ) or I would be sent to collections. Seeing no choice as my credit rating was being held hostage. I complied. I did not know this Bureau existed or I would have immediately opened a claim/case then.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
Received a phone call today from IC System, one of many, apparently XXXX to be exact. Rep asked for XXXX XXXX. Told him that there was no one here by that name and that I have received at least XXXX calls from them and they do n't even have the correct number. His response was " I do n't think so and I have shown that it was only XXXX times logged. 
How can they be allowed to harass when it 's not even the correct number???

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 2015-10-05 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Darnel Quick Recovery, Inc.
State: GA

Complaint narrative:
I mailed the company a formal letter of dispute on XXXX/XXXX/2015 and requested verification of debt. I called today to advised them it 's been past 30 days and I still have not gotten any documents. I was told by XXXX XXXX that my dispute letter was received and she said she mailed the documents to an old address I then asked why was it not mailed to the address listed on the envelope and the dispute letter and she had no reason why.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I made an offer to a seller on ebay for an item. The seller agreed and took the item down allowing me to pay via paypal. Last message i had with the seller was hom stating he was going to send the item in a few days and that was on XXXX. I have not heard from the seller since.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 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: I.C. System, Inc.
State: NY

Complaint narrative:
I 'm a victim of identity theft someone took my information and opened up lots of accounts in my name right now I have XXXX accounts in collection that does not belong to me XXXX and XXXX

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 2015-08-11 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Paypal is holding my refund hostage. I only use my account to purchase items from ebay and when I was issued a refund, paypal took possession of it and refuses to release my money back to the card that was used. In my account, it reflects that I do not have any funds. When I pay with a credit card using them as a payment processor, I expect them to return my money the same way. This is unfair and they are taking advantage of consumers for their own financial gain. Paypal should not be aloud to hold money hostage ESPECIALLY in a refund scenario that they had no control over. I have proof that my refund was issued from the seller on ebay several days ago, as well as proof my paypal account shows a {$0.00} balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 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: NY

Complaint narrative:
Someone has created debt through 'paypalcredit '. I paid off that acct. in XXXX of 2013. Since then, I did creat an acct. through XXXX '. Now that someone is using my acct. for transactions, I have paid off the 'XXXX acct.as well. 'Paypalcredit ' is threatening to send the {$1600.00} they say I owe to a third party collections bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC
State: CT

Complaint narrative:
The payment amount on my loan with BMW Financial Services should be lower. At time of purchase the sales manager at the dealership, XXXX, stated it would show XXXX down but I was actually putting down XXXX. He also stated to give him the XXXX difference in cash and that the dealership makes enough, he needs the money for himself. Needless to say, I did not give him the money, it was supposed to go towards the loan. Numerous complaints have been filed against dealership, as well as against BMW Financial Services. I understand they can not or will not lower payment amount by restructuring the deal, however, the account is now over 30 day past due and an extension will help me as well as remedy the matter. I did request an extension before and was told no, the account needs 6 months of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
I have been affected by eBay not documenting fees and Paypal Credit and Bill me Later Option in not correctly documenting transactions, laundering money, including me int contractual binds and misusing my funds available.

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 2015-10-02 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I am very frustrated in trying to get this problem resolved. XXXX ( division of PayPal? ) and XXXX XXXX are involved and have been no help and I need answers quickly. This problem involves a large fraudulent withdrawal from my XXXX XXXX account by/thru XXXX. There was an unauthorized withdrawal of {$2900.00} from my business account on XXXX/XXXX/2015. The company that took/transferred the money is XXXX. I even know where the money went and am being told by XXXX XXXX, that there is nothing they can do. XXXX XXXX went as far as to tell me that since I reported it beyond the 24 hour threshold, I forfeited my chance to dispute it. XXXX does not accept phone calls and will only communicate via emails. I want to be clear, I never had a XXXX account, I never purchased anything anywhere near this amount that I an trying to return. This is theft! Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I have had a PayPal account for about 8 years now in good standing. Recently my account was locked and all of my funds are unavailable while it 's locked. They say they WILL NOT under any circumstances unlock my PayPal account or give me access to my funds until XXXX debts are paid from old PayPal accounts that do not even have my name on them, they are not mine and never were mine. This is in complete violation with the Fair Debt Collection Practices Act. I can not have my funds held and my account locked because of somebody elses debt. This is also defamation of character to insinuate that I actually abused their service somehow and in some way am attempting to avoid a debt or steal money. This PayPal account is what I use to run my business to earn a living to feed my family. It is utterly shocking that a company can do this to myself and many others with NO repercussions what so ever. I searched the internet and it seems that all these practices they are doing like this are in violation of XXXX thing or another, so why is this company continuing it 's underhanded practices without paying every time it 's found that they are in violation? This is enough to make anybody sick. ( I have not retained council, YET ), but I do have a legal team for my business and they are pushing me to sue instead of making all these attempts at getting a resolution. I hope this gets fixed because we are calculating ALL damages on a daily basis and right now we are already into several thousand dollars and XXXX lost employee. This is libelous plain and simple.

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 2017-01-26 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
The customer bought an item from me and then did a charge back claiming he did not get the item. Now I am out the item PLUS my fee! He paid through paypal and they sided with him even though he did not send back my merchandise nor did he or XXXX adhere to our return policy! XXXX said he sent back the item but all he sent back was the original invoice copy! This man is running ascam to buy other items, claim he did not receive them, then send back a copy of an invoice and claim a return was made! No one checks inside the envelope which has nothing! I have the original envelope and invoice sent from him to prove this!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-22 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Paypal closed my Paypal account XXXXXXXXXXXX on XXXX/XXXX/15 without any warning or reason. There are more than {$8000.00} in my account. They refused to return the money and said they will grab the fund for 6 months without any reasonable ground. 
That means that I can not access my own all legitimate money for 6 months, which causes enormous financial stress and loss. 
I was given no valid reason when calling the representative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
I refinanced ( closed ) my VA home loan on XXXX XXXX, 2015 with XXXX in good standing. XXXX became my new lien holder and funds were wired to XXXX on XXXX XXXX, 2015 from XXXX to XXXX. XXXX sent payoff to Nationstar Mortgage on XXXX XXXX, 2015 but transferred loan servicing to XXXX. I paid my XXXX bill to XXXX and then started receiving notices from Nationstar that my loan was past due. I 've attempted to contact all parties involved without success. My last request on the phone and written was to Nationstar asking them if payment has been applied to the loan and/or my unapplied balance - the answer is no. Neither has been responsive in the past 10 business days to my request. Since then I continue to receive threatening phone calls from Nationstar as well as foreclosure notices. Nationstar is also holding my escrow account which needs to be refunded to me. I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
My PayPal account has multiple unauthorized charges on the account. I continue to dispute the validity of these charges. I wish to inform PayPal that I have now contacted the attorney general in my state and named them in a consumer complaint. I want charges on my account removed, ( all previously disputed ones ) and I want negative credit reporting to any of the XXXX credit bureaus removed.

Company response to consumer: Closed with explanation