vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I had a XXXX service and i finished the contract before time. They have a 2 years contact. I had to finish my service because first of all they lie to me about pricing, and the quality of service. First, they gave me a price and the bills charged me the double of the price offered to me. Second, they said that the service was the best even with rain or winds, signal never would be lost. That was a lie and they even had to take that commercial tv off. With a couple of drops of rain and a little bit of rain signal was lost for hours. I did n't like being insulted that way. So, i decided to terminate my service.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I sold an item on ebay, in my description I specifically stated that i do not accept refunds or exchanges. The buyer reported to ebay that the item was defective so ebay refunded the money to him. The buyer then returned the item to me and I discovered that the item was not defective at all. Ebay and paypal are now trying to bill me {$250.00} dollars for this discrepency. I feel ebay ruled in favor of the buyer without all the information and even false information from the buyer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: FACTUAL DATA CORP.
State: MO

Complaint narrative:
XXXX we took our XXXX son to our XXXX for his XXXX visit at witch he was to have a XXXX. XXXX had a set of XXXX taken at his XXXX appointment. The nurse came back out and said the doctor wanted a XXXX set of XXXX knowing our plan most likely would not cover a XXXX set I told her to call our XXXX plan and get them ok 'd first seeingnext years befits would start XX/XX/XXXX, less then 15 days and I flatly said we could not afford an out of pocket charge and we would have to wait until next mouth. when she returned we when informed that no our plan would not cover it, but, they had already taken the XX/XX/XXXX all ready and that we would be billed for the service we had said no too. at that point I flatly stated we had not authorized them. seeing as the XXXX were the only service preform at that point we left and then took XXXX to another XXXX XX/XX/XXXX. I believed the matter closed until we moved back to Missouri and started the process of buying the home we own now, only then did I find out the bogus bill had been turned over for collection. I contacted the billing company and explained the matter and heck would freeze before I payee this garbage. got our home loan again all seemed fine until we started a refinance of our house to make some improvements only too again hear from another outfit ( XXXX XXXX ) again asking for XXXX dollar for the same invalid charges! I 'm so mad and tired of fighting those XXXX I ca n't stand it, how long will I have too keep dealing with this? We are being held for ransom, if we do n't pay this we may not get our loan. for over 5 years this has been hurting our credit and I want justis! please for the love of God can you do something about these rip off XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
i have used and app called Venmo for multiple transactions. Tuesday XXXX i sent my friend XXXX XXXX dollars. in my history ive sent her money before. I get a pop up message that my transaction is in review. 2 days later i get and email that the transaction will not be processed to XXXX but the XXXX dollars was taken out of my account. I received an email from venmo stating that i was not getting a refund, etc etc etc. I reviewed the terms of agreement on the website and it states sections F '' f. Payment Investigation Payment investigation is a process by which Company reviews certain potentially high-risk transactions. If a payment is subject to payment investigation, Company will place a hold on the payment and may provide notice to the recipient. Company will conduct a review and either clear or cancel the payment. If the payment is cleared, Company will provide notice to the recipient. Otherwise, Company will cancel the payment and the funds will be returned. Company will provide notice to you by email and/or in the account history tab of your Venmo account if the payment is canceled ' ... ... it was n't cancelled it was withdrawn!!!! Not returned and how is sending XXXX bucks to a recipient XXXX miles from my home that i have sent money to before flagged for high risk. 
2 ) Desired resolution. Transparent terms and agreement terms with high risk inclusion criteria. just decline the transaction. reverse my money x 2 and remove all my personal banking account information from the app.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On EBAY, I had to take down all my items. I 'm locked out of Paypal for the forseeable future. 
It 's all got to do with the XXXX. I sent it as they requested, choosing to do it by mail, certified, instead of over the internet. The tracking shows they got it on XXXX, last Monday, and it was signed by someone named " XXXX XXXX. '' I verified this by talking to a postal employee of the station - XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX, which delivers to the Paypal address I mailed to. I verified the address - XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, over the phone with a Paypal customer rep, and online as well. I tried talking to a couple of so-called " supervisors, '' which was a joke. They claim they have n't got it, despite the signer 's name, on record. They are claiming that if I do the XXXX the way I was trying to avoid, then all will be fine. I do n't trust the internet or the phone with personal info. I know that you guys ca n't necessarily help with getting me back on Paypal, but I would think that it would be important to know, if they ca n't hang on to a simple piece of certified mail, and lose someone 's personal info. At this point, I have heard verbally by XXXX different people via phone, that they do n't have my XXXX, and I have XXXX emails stating they do n't have it as well. These XXXX emails could easily be generic emails, because it 's really obvious they have no real interest in communicating with anyone, just getting rid of them. So this is my complaint - they appear to have mishandled my personal info, and I want to know just where it is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-18 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Google Compare Credit Cards Inc.
State: NC

Complaint narrative:
I transfer money using google wallet service to my boyfriend. I was giving the chance to the review the transaction before submitting it. The transaction said it would be completed within 24 hours. It has now been for days and the money has already been taking out of my account but my boyfriend has yet to receive it. I call the google wallet service everyday since the transaction and they tell me something different every time

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 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 use paypal to sell XXXX online. For every sale I enforce customer ID confirmation for identification verification and fraud protection. I traded with a specific customer in the months of XXXX through XXXX, during this time I collected numerous selfies and ID pictures of the user along with IP information to prove their Identity. They were also been shipped XXXX to her verified paypal address prove their identity. 

This user later contacted paypal making a claim that their identity was stolen and the transactions were unauthorized. However after submitting ID information and IP information for review by paypal their specialists determined that the claim was in fact false and all of the transactions were authorized. At this point the money was returned to my account. A week later paypal then claimed that all of these transactions were reversed through ACH reversals made through her bank. The reversals were in total almost {$12000.00}. They then requested that I pay for the entire amount. They placed my account on hold, taking all of my funds and preventing me from continuing any of my business transactions. This effectively removed me from having a job and I was given no opportunity to respond to this new set of reversals. 

I requested the names of the banks that the reversals were made from but they refused to provide me with the bank information and refused any information I offered for the case. This left me with no way of combating the disputes with paypal and absolutely no evidence that the bank reversal claims were even true. Paypal said that I was not eligible for protection because XXXX are an intangible good. However XXXX are unique goods in that unlike other intangible items, such as music, videos or software, they are not a copy being sold but instead an actually item that was delivered to the buyer. This meant that I lost 100 % of the product I was selling along with the money from the sales. In addition to this, all of the sales were completed using the XXXX website which provides tracking and proof of delivery for all online sales. However paypal rejected this information. 

Paypal did not even attempt to fight this fraud or give me the opportunity to fight it myself despite the compounding evidence against this other user. I believe that at the very least I should be provided with the reversal documents as proof that they were even made. Hiding the personal information of the user who made the reversal would be acceptable but providing no proof at all is not. Paypal is allowing people to commit blatant fraud and theft while not only doing nothing about it but also actively preventing me from helping myself.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-15 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I scheduled an automatic payment with Paypal Credit to come out of my bank account on the due date, and I am being charged a late fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: FACTUAL DATA CORP.
State: TN

Complaint narrative:
wrong information on my report im XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I signed up for a new Paypal account today. At the end of the sign up, the screen prompted me for the last XXXX digits of my social security number and had a button to click next to it. This appeared to be the regular process for creating the new account. The next page said I was approved for {$1500.00} in Paypal Credit. I immediately called the XXXX number to customer service to see how this happened. They told me that when I entered the last XXXX digits of my SSN and clicked on the button, I agreed to sign up for their credit service. I did n't see anything on the page about Paypal Credit until after I had been approved. It was very deceptive. They closed the credit account over the phone but said there was nothing they could do about the hard inquiry on my credit report. They said I could write a letter and fax it to Paypal Credit to request they remove the inquiry. This entire process was deceptive and confusing. It appears that you must fill your last XXXX digits of your SSN to sign up for Paypal, but what you are really doing is signing up for Paypal Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31 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: Paypal Holdings, Inc
State: WI

Complaint narrative:
A few months ago, I had fallen behind on my bill with PayPal Credit. Within the last few weeks, they contacted my father to try to reach me. From what I had been told by my father, the individual who had called told him that I owed a balance and the amount of said balance. I initially had issues with them calling my phone before XXXX when I was in XXXX over the XX/XX/XXXX, and now they disclose information to others without my consent? If I could afford a lawyer, I would gladly sue over this. Sadly, I am trying to go through college, and that has impacted my available resources for the time being.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I contacted Capital One XXXX/XXXX/15 to ask when my promotional 0.0 % APR was scheduled to expire. XXXX informed that it would expire on XXXX/XXXX/15, which was two days prior. I was surprised to hear this, because my XXXX/XXXX/15 statement stated that my APR remained 0.0 %. I told him so, and he said " I am really sorry about that we are trying to implementing this feature online as well as on statemnt ''. I remain uncertain as to when my promotional rate will actually expire, and there is no information to help me on this statement or any prior statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
We listed our home in WA for sale - our realtor advised us to move out and we followed their direction for a quick sale. We put a change of address in for a temporary residence in CA. During the month of XXXX, our mortgage interest rate changed and amounted to a difference of {$110.00} on a total payment amount of {$4000.00}. I continued making payments and apparently because of the rate change and our life 's circumstances - I paid the wrong amount which then led to the lender applying a late fee on our account. As of XX/XX/XXXX we 've paid off the mortgage to Capital One completely as our sale transaction has closed. We were due to have our purchase escrow close when just this morning we were told that our new lender pulled our credit score and it had dropped about XXXX points so they are n't making the loan to allow our new home to close escrow. As of today - we are homeless and because of the Credit Bureau 's negative impact on one late payment we have no where to live ( with our XXXX child ) and I 'm certain our new lender will only allow the new loan to close if we pay more money - fees, interest rates, etc. This seems like a mortgage extortion and is impacting our family and our finances excessively.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I made a purchase on my card that I wanted to dispute and to block a merchant. The first time I called I had no problem and I had the rep note the conversation and the issue so when I called back I would not have a problem. The rep said that I had to call back because the charge was pending. When I called back I was transferred to XXXX reps put on hold for half an hour and drilled about who I was!!! It was a {$9.00} charge that I wanted to dispute and block any further charges. I was told that I needed to send it the information I could not " verbally '' tell her on the phone!!! First she said my address was n't coming up in the system ... ..I said that 's really strange and how are you going to send me my bill??? She became very rude talking over me and then she " somehow '' disconnected the phone line when I asked for her name?? I told her to cancel my card she told me she was not able to do that however she could block any further charges!!! LOL well that 's basically what I was telling her to do. Unqualified and Unprofessional and a waste of my time dealing with Untrained csr.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-21 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am an authorized account holder with XXXX of my Capital One Cards. I have requested on several ocassions that Capital One re-submit my account information to XXXX for some strange reason the account was removed from my credit file. So between Capital One and XXXX that has yet to be done and I am so tired of getting the run arounds about this. This mix up has killed my credit score and it has hendered my opportunity of obtaining a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
It has become more apparent that Capital-one could not provide a cogent reason why i got the short end of the stick '' interns of XXXX on my credit card, This conclusion perhaps based on their response, and the conversation with " XXXX XXXX '' an incompetent CAPONE rep. who said in our earlier conversation that, the reason for APR hike is on my account primarily based on my credit worthiness, but after refuting this claim by pointing out to her that my credit scored " A '', that this information on my credit is available on CREDIT TRACKER '' which is being offered by CAPONE.. she then say their decision is proprietary.. 
This proves to me that the Company is a complete FRAUD, The reasoning behind this decission seems absurd, and its an insult in every level.. I think as a consumer, i have every reason to know why decisions that affects my credit card and my finances were being taken.. it appears the reason behind will always be a mystery ... this just another way of swindling and using deception to defraud consumers.. I 'm looking forward to an amicable and favorable resolution, and i wo n't hesitate to expose this company " CAPITAL-ONE on a social media '' to every consumers feeling the pinch in silence.. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I had a Capital One credit card. I had unexpected medical bills so I called all the credit card companies to see if they work with me in interest rate and lower payments. Capital one agreed to let me pay {$50.00} a month. They never sent a statement after that and drafted the money out of my account every month probable over a year. Then a couple of months there was nothing. The next thing a policeman shows up at my door serving me papers where they had turned it over to XXXX and XXXX. I did n't want to go to court so I set up payments with XXXX and XXXX. I do n't if that is what I owe them. I never received a letter from Capital one saying they were turning my account over. Never received statement from Capital one and never received anything from XXXX and XXXX as proof that I owed the amount they said I owed. I have been paying them for well over a year and now I get a letter saying to mail my payment to XXXX attorney at law. Do I need to request that they send proof of the amount they say I owe. I do not feel like I owe that much and why would attorney turn it over to another attorney. I feel like they are scamming me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One bank is sending credit card solicitations addressed to my father - who died more than 30 years ago. I called Capital One to ask where they were getting information. The person I spoke to did n't really have an answer. Sending credit card solicitations to a dead person sounds a ) shady, and b ) an open invitation to fraud ( both against my father 's good name and against the company ). How is Capital One getting information on my father? I 'd like this to stop, both for my father 's sake and for others, if they 're also getting these solicitations. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 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: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
Company requesting payment for debt that was never owed, for rent of a property that was never leased. Despite it being a case of mistaken identity ( letters addressed to person with different name and of the opposite gender ), company keeps making contact. 

Receiver of debt collection request was not living in-state at time purported debt was accrued.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
The disputed account has been given ample time to validate their position of maintaining a collection account on my personal credit profiles. It is now time that I request a division of the Federal Trade Commission known as the Consumer Financial Protection Bureau to demand accountability. I have never paid on any account to this organization. This company obtained my personal information from a debt pooling service. There was never a legal assignment or transfer of ownership. FTC XXXX XXXX XXXX XXXX ( 2009 ) stipulates XXXX criteria f a legal collection process : 1 ) The debt must be within the resident jurisdiction of legal collectability 2 ) the ownership transfer must be in hard copy documentation, backed up upon request and 3 ) the individual must be given ample notice or 30-days that the legal collection could be posted on a person 's credit report is not rectified within said 30-day notification. In this matter, the collection company failed on all three criteria. The CFPB needs to monitor and sanction XXXX XXXX XXXX, and a " Cease & Desist '' must once again be administered against this company for such illegal collection practices.

Company response to consumer: Closed with explanation