vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-20 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I was unknowingly made a member of PayPal Credit. Payments were routed without my permission to PayPal Credit rather than my chosen means of payment, my personal checking account and credit cards. I have questioned both membership and charges more than XXXX times in sriting to PayPal without satisfactory answers. I have written to close the account without results. On XXXX XXXX, 2015, the Consumer Finace Protection Bureau ( CFPB ) filed federal charges against PayPal Credit for the same fraudulent practices and the court ruled against PayPal, confirming this illegal practice. I am filing personally to have the account closed and my contested charges cancelled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: I.C. System, Inc.
State: IL

Complaint narrative:
IC Systems has sold this account to XXXX XXXX XXXX. This account was paid to XXXX and marked as such on the credit brureaus reports. I have disputed this account with IC systems on XXXX XXXX asking for validation of the account and recieved nothing in response.

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 2015-06-10 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Paypal Credit, aka XXXX, did an inquiry on my credit report XXXX XXXX 2015. I never applied for credit with them. I saw this inquiry on my report so 6 weeks ago I contacted them and asked them to pull it, submitting certain documentation that they required. They have done nothing! Further I contacted XXXX ( case # indicated above ) and they pass the buck to Paypal saying they can do nothing about it. 
As inquiries on my credit report can hurt my score, I do n't appreciate PayPal or any other company making inquiries on me when I have not applied or currently maintain credit with them. Further I do n't appreciate XXXX in effect being a co-consipirator in this by passing the buck back to PayPal. 
I have go online and learned many other Americans have had inquiries on their credit reports as well from PayPal. A cease and desist order needs to be issued to PayPal and XXXX needs to be advised they can not take illicit inquiries. 

XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
I owe Billmelater/paypalcredit about {$800.00} from XXXX year. I 'm now XXXX in college and I currently work XXXX jobs. Billmelater/paypal credit closed my account and sent it into collections and I have been in contact with the new collectors, explaining my situation. Of course they 're XXXX, So i have n't been taking calls from them. I have every intention on paying what is owed, but I 'm not going to go homeless to do it. Long story short, a man left a voice mail on my phone threatening to have me arrested from my home or job. I googled the phone number and found out that he is a bill collector. He did n't even say who he was. I 'm pretty sure that is illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Mortgage Research Center, LLC
State: TX

Complaint narrative:
I applied for a VA home loan with XXXX XXXX back in XXXX and the loan fell through while in underwriting. I lost over {$1200.00} due to having to pay for the VA appraisal and XXXX different inspections on the home. I then applied for another VA home loan with XXXX XXXX in XX/XX/XXXX. I informed my loan officer who was XXXX XXXX of the my previous loan that had fallen through while in underwriting. I informed her I did not want the same thing to happen this time around. I told her the reason my loan had been denied ( residual income being too low due to number of dependents XXXX and she assured me this would not happen. I submitted my documents and she reviewed my credit and income as well as my tax statements. She then told me the loan would be approved and said that my residual income was sufficient because they were able to use more of my income than the previous mortgage company. I again informed her I was very hesitant to spend money on inspections because I wanted to be sure the loan would go through this time. XXXX again re-assured me several times telling me to go ahead and get the inspections going because she would send my loan to underwriting to get approval. She further stated the loan was a sure thing. After 3 weeks XXXX informed me that my residual income was too low and the loan was not going to be approved. I was very upset and asked her why she misled me and she stated she was sorry. I ended up spending {$410.00} on 2 inspections and the option fee. I feel like I was baited into taking this loan and feel like I was lied to. This is the 2nd time this has happened to me. Is there anyone holding these mortgage banks accountable? I asked XXXX XXXX for a refund which they scoffed at. I would like to file a complaint because I was misled only so they could get my business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I receive calls from this number daily at different times. Was getting voice messages about speaking with a XXXX XXXX and where they can find this person. Recently these have been automated calls asking me to hold and someone would speak with me. The hold time is over 2 minutes and no one answers. These people have been informed that I do not know this person and this number is registered on the National Do Not Call list.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I was making a purchase on ebay, and paypal is linked to my ebay account for purchases. I already had XXXX credit card and XXXX bank account linked to my paypal account. I added a new credit card to my paypal account for this transaction, from XXXX XXXX XXXX. After adding my card, I clicked on " Continue and Pay. '' The next screen asked me for my last XXXX SSN as well as my birthday. I entered this information thinking it was for account verification, since I did not enter my password yet. As soon as I clicked " OK '', it said I had been approved for a XXXX dollar PayPal Credit line! I never even knew I was in the application screen for PayPal Credit ( card ). I called immediately to PayPal support who told me that all they can do was close the account, but the damage had already been done. I have bad credit and was in the process of repairing my credit score, and now I have another credit pull, lowering my score. I did NOT want this credit line from PayPal. I asked the representative if many other callers have had this happen to them, and she told me she gets calls about it all the time, but nothing ever changes even though it has been reported to her management and executives. They are knowingly and deceptively tricking people into signing up for a PayPal credit line. Even though I had JUST added a new payment method ( my XXXX CU credit card ) for some reason it just defaulted back to applying for PayPal credit. I even find the name PayPal credit to be misleading, as I thought it was referring to the XXXX dollars I had in my PayPal account. But no, having any PayPal credit does n't refer to your PayPal account balance ... it 's the name of their credit card. My credit score has now been damaged and I need action to be taken against PayPal for their malicious and devious actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I made a fair and totally compensation offer to the original debtor They choose to turn over to collection. I have documentation and an credit card authorization they choose not to charge. It seems like a XXXX business decision to me. I agreed to pay the FULL amount. I WILL NOT deal with this collection agency -- -period. I do not believe they have the whole story or documentation. I want to cease and decease calling me.

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 2016-06-13 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XXXX XXXX, XXXX, I purchase XXXX XXXX XXXX XXXX concert ticket on line from a company using the name of XXXX XXXX Tickets. Cost of tickets were charged to my PayPal account in the amount of {$320.00} by a company using the name of XXXX. No where on the XXXX XXXX Tickets web site did they state they they were third party providers. When I downloaded the e-tickets on XXXX XXXX, XXXX, what I received were tickets in the name of XXXX XXXX, an individual I never heard of and do not know. I immediately emailed Box Office Tickets advising them I was cancelling my order as I, under no circumstances, would deal with " Third Party Suppliers '' and would not accept tickets that were not issued in my name. I also notified PayPal immediately that I had cancelled the order. I received a reply from " XXXX '' apologizing for any " Inconvenience '' and stated I would be contact by phone within 48 hours. The response from " XXXX XXXX XXXX '' that they would not refund my money, but as a courtesy would give me a XXXX XXXX ( {$30.00} ) adjustment. This of course was totally unacceptable. 
I filed my claim with Paypal.com on XXXX XXXX, XXXX and received a response back from them stating that my dispute was escalated to a claim. I was further advised that they would contacted " XXXX XXXX XXXX '' and I should allow them until XXXX XXXX, XXXX to respond. On XXXX XXXX, XXXX, I received an email from PayPal stating my purchase was " not covered under PayPal Purchase Protection '' and referred the matter to PayPal Credit on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I received an email from PayPal Credit requesting that I submit Proof of Cancellation and records of my attempt to resolve the issue with XXXX. All pertinent documentation was sent to PayPal Credit on XXXX XXXX, XXXX. I received a response from PayPal Customer Support on XXXX XXXX, XXXX stating that my issue did not affect the usability of the tickets and denied my appeal. On XXXX XXXX, XXXX, after being notified that my account was " Past Due '' I called PayPal Credit advising them that I had previously paid off my outstanding balance with PayPal, less the {$320.00} for the unused tickets and closed my account. From that point on I have received repeated phone calls from their Collection Department demanding payment and threathing legal action. 
I am a senior citizen living on a fixed income with an excellent credit rating. I do not and can not throw away money on fraudulent practices by a unscrupulous business.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
PayPal closed my accounts and refused to reverse XXXX unauthorized transactions. My mom used my XXXX account to pay for her bill with XXXX but forgot to add her own debit card. This resulted in XXXX unauthorized transactions in the total of $ XXXX. I talked to XXXX and they 're ok to have my bank pull the funds back or they can issue me the check but it wo n't cover service fees from XXXX and suggested that I talk to my bank. I did and they said according to the user agreement that I signed when I opened the accounts. I agreed that I will not share any information with anyone. And their definition of 'Unauthorized Transaction ' states clearly that transaction that the user did n't get the benefit from will be count as an unauthorized transaction. I filed a complaint with XXXX but they could n't do anything. 

Other info : XXXX Acc # XXXX [ obtained from XXXX ] Transaction # [ obtained from XXXX ] 1. XXXX XXXX/XXXX/2016 {$1200.00} 2. XXXX XXXX/XXXX/2016 {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/XXXX, my XXXX son received a pop-up to buy something on a video game. A PayPal application appeared and he entered ONLY my name, DOB, and address. He INCORRECTLY entered a SSN. Based on this easily-obtained information and an incorrect input, PayPal opened a line of credit and my son made a charge. 
When I called PayPal on XX/XX/XXXX, it told me that their policy is to allow credit based on " three out of four '' pieces of correct information. It does not matter if someone puts in incorrect information, yet that is exactly the red flag that should be the basis for denial. Further name, address and DOB can be obtained so easily, it enables identify theft. 
I paid the amount my son owed, gave the lecture, and took away electronics ; however, it is unnerving to me that anyone with such little information can open credit in my name. Further, XXXX I am disturbed by PayPal 's practice of enticing juveniles to open credit lines in the throes of impulsivity ( i.e., while gaming ). It reminds me of the Camel cigarette ads except for this time, PayPal gives them the false identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: I.C. System, Inc.
State: GA

Complaint narrative:
IC Systems has added a collections my credit report for the amount of {$210.00}. The debt in references was originally owed by XXXX XXXX XXXX and was apart of a XXXX with a recurring monthly payment. XXXX and IC Systems failed to send any notification of owing a past due balance and instead added the collections to my credit report. 
The account was cancelled with XXXX XXXX XXXX between in 2015 as our dog " XXXX '' was stolen from our property and a police report was made. XXXX was notified immediately via phone call at the XXXX location and our account was cancelled. 
After the cancellation we were still being billed for pet care through automatic debt on an old account that was closed. After speaking with a representative from IC Systems we were informed about a contract that apparently stated that regardless of the dog being stolen we still had to pay. We have submitted a dispute for verification of the debt and a copy of the contract with XXXX but we have not been provided anything from IC Systems. Even though the debt has not been verified it still remains on my 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 2015-12-31 00:00:00
Product: Prepaid card — Mobile wallet
Issue: Fees — 
Company: Paypal Holdings, Inc
State: NM

Complaint narrative:
In the process of making a purchase over the internet through a small business commerce site I signed up for Paypal yet did not clearly understand that I had to use a credit line for the purchase. I was contacted by a collection service to pay off the remaining balance which I did during that phone call. Looking back at the process I would like to know if the extremely high interest rate I paid for the lats month of the credit line was actually legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I have a student loan with Navient, where I pay over {$200.00} a month. I am supposed to be on a lower monthly repayment plan with them, even though it does n't feel like it. My first issue with Navient is that my co-signers were the ones who received letters that my plan was ending at the end of XXXX, not me. I am the account holder and I feel like this information should have been communicated with me first. I called them immediately and spoke with a rep about my monthly expenses and explained that I have a commission based job and my income changes month to month, so some months are harder than others. The man informed me that lowering my monthly payments would definitely not be an option and that I would have to start paying the full rate. He also said that nothing would be able to be done for me at all until they speak with my co-signers. I told him that I would rather not involve the co-signers because I am the account holder and I am the only one that pays the bill every month. The rep told me that my plan would end and that I would have to pay the regular rate. I told him that I could not afford any more than I am paying now and that all I could send every month was what I was already paying. The rep actually said to me, " Well you will just have late payments every month. '' I was not able to receive any help when I called Navient, hoping to get some relief with my student loans. I did not get treated like a person, I got treated like a number. The school that I attended when I received the loan was the University XXXX at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I C Systems never sent a dispute letter. I check my my daily and I am a very organized consumer. I also check my XXXX account at least once a week. I hve never done business with IC Systems, nor have they followed the law and sent a dispute 30 day notice.. They just appeared on my credit report with out following the FCRA. They have an open date of XX/XX/2016. Have them explain what this date means? I have never done business with this company so I have no idea what happened on XX/XX/2016.

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 2017-04-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: MD

Complaint narrative:
This item is a paid debt and should not be reported as a collection account

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
When I login to paypal to I keep getting the following messages : PayPal is constantly working to ensure security by regularly screening the accounts in our system. We recently reviewed your account, and we need more information to help us provide you with secure service. Until we can collect this information, your access to sensitive account features will be limited. We would like to restore your access as soon as possible, and we apologize for the inconvenience. 

Why is my account access limited? 

Your account access has been limited for the following reason ( s ) : XXXX XXXX, 2014 : Your PayPal account is connected by one or more pieces of personal information to another PayPal account that has a negative balance. 

Before we can remove the limitation from your accounts, you first need to resolve the negative balance on the linked account. Please call Customer Service at XXXX. 

( Your case ID for this reason is XXXX. ) How can I get my account access restored? 
It 's usually pretty easy to take care of things like this. Most of the time, we just need a little more information about your account or latest transactions. 

To help us with this and to find out what you can and ca n't do with your account until the issue is resolved, go to the Resolution Center. 

We 'll review the information you provide and email you if we need more details or when your account is back to normal. 

Once you complete all of the checklist items, your case will be reviewed by one of our Account Specialists. We will send you an email with the outcome of the review. 

I have XXXX accounts, XXXX I want to close and the other I would like to continue to use since I have cleared the balance on the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-10 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: FL

Complaint narrative:
This was a result from a XXXX service that I did not received in XX/XX/XXXX while I was XXXX. I had paid over {$400.00} regarding the service I did not get & disputed this issue with XXXX repeadly while I was XXXX. Then two years later in XX/XX/XXXX I get the harassing phone calls and mail claiming that I owe this collection agency over {$700.00} and they asked for documents I could not provide. I physically went back to the XXXX store in XXXX, Ga where I originally purchased the phone but they claimed that they no longer have any documents regarding my transactions with them and apologized for the failed service. The collection agency repeatedly kept asking for proof of purchase that the XXXX store can not provide. I paid for a service I did not get and should not have to pay or owe this collection agency anything.

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