vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-23 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc.
State: NY

Complaint narrative:
I was supposed to receive concert tickets after sending " XXXX XXXX '' {$150.00} through Google Wallet. The concert was on XX/XX/2017 and I never received the tickets. Since then he has blocked me on twitter after he stopped responding to my messages. Therefore, I ca n't see the direct messages between us anymore. At first he sent me a broken link that said XXXX which was weird because he told me the tickets were on XXXX. The link that I opened was broken. He told me that I could pick the tickets up at the venue which was a lie because I 'd need his ID and credit card information to pick it up. When I asked him he blocked me. This girl that was also scammed by the same exact guy received her money back that same exact day. I 've taken the same steps that she has and I still have n't received my money. Also a representative named XXXX, from Google 's support team, was the one that told me that XXXX was a scammer. He told me that his account is know for fraudulent transactions. Since that is the case, my money should have never went through to his account. Google wallet comes with 100 % fraud monitoring supposedly. This is why I do n't understand why is it that the first person I spoke to on the phone from Google payments ( XXXX ) told me immediately when he saw who I sent my money to that he is known for fraudulent transactions and scamming people out of their money. I want to know why his account is still open and more importantly why any money that is being sent to him goes through if it is on Google 's database that he is a scammer. I was not protected in the slightest and I want my money back from HIM. Not from my bank which is n't being helpful at all but from him especially since you know he is a scammer and let my money go through to his account regardless. My bank ( XXXX ) told me that I have to file a police report and even then there is not a good chance that I 'll get reimbursed. I just really need my money back and no one wants to help me. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I. C. System Inc. reported a collection on my file for {$120.00} charge from XXXX XXXX. When I was contacted by them in Decemeber I told them that my insurance company covered the charged and I was not sure why they where calling me. I even offered to pay the debt if they could show me where I owed the debt. I have not be contacted since.

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 2015-12-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Although I am aware that they are not a bank, Paypal has frozen my account and are saying that they are holding my funds for 180 days do to a high risk of fraud. I have filed complaints with the XXXX and the XXXX for a civil liberties violation as well. Paypal should not be allowed to play with people 's money this way. All of my customers are completely happy and I have had zero complaints. They are claiming to hold my money because they need to protect themselves from chargebacks or disputes but again, I have documentation that all of my customers are completely happy with their purchases. Paypal may not be a bank but they operate as XXXX yet use the " we are not a bank '' excuse to hold practices that are not only unfair but may also be illegal. Paypal needs to be investigated for its lies and deception to its consumers. They are holding over {$1600.00} in this account that is money I earned and should be able to withdraw. Unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
A couple years ago, I paid for an ebay product with paypal and they charged by bank account twice. I stopped one of the payments at my bank ( XXXX ). After this paypal demanded a whole bunch of bank statements etc. I refused and told them to close my paypal account. This happened over a year ( maybe two years ) ago. Now they keep sending me spam email telling of changes to their account policies. Today I went on their website to re-close my account. Their website wo n't let me send a secure message to close the account. I called their customer service to close the account. They say the account is limited and they wo n't close it. I want them to close the account immediately and they refuse. Please make them close my account. I do not owe them any money, I have no orders in process. I have not do n't business with them for over a year and they will not close my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-03 00:00:00
Product: Money transfers — International money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I required the services of a software company in XXXX that creates mobile apps. I required the company to create a mobile app for XXXX and XXXX. I made XXXX Paypal payments in XX/XX/2016 and XX/XX/2016 for a total of {$3500.00}. The software company in XXXX has not been able to deliver my app. I requested a refund from Paypal and they stated that the XXXX payments did not qualify for a refund. Paypal stated that they were willing to refund the XXXX payment if I returned the merchandise that I purchased from the seller. I never purchased merchandise. I purchased a service.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My account was unexpectedly limited and shut down without warning. I contacted PayPal and they said I violated the terms and conditions even though I did not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
Paypal limited my account with no choice of appeal or fair hearing. Operating in restraint of consumer rights. It was so bad that it destroyed my means of safety, security, and income online. They left me vulnurable to online predators and thieves. I hope you can address the issue quickly and have this dealt with. Im an ID victim and they just dont seem to care at all. The monopolize the market with competent secure media for financial transactions and chose to dictate the terms in the marketplace. Again operating in restraint of trade. I want my account reinstated without hesitation and equal access as a consumer to their product.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
Flagstar mortgage is not helping me with underwater mortgage. Provided a lot of documentation and have excellent credit and they keep delaying settlement on loan.

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 2015-07-24 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Paypal will not release my funds since XXXX/XXXX/15, account is closed withholding funds for 180 days until XXXX/XXXX/15, unlawful violation of " Regulation CC '', unreasonable delaying in funds withdrawal or deposits. Paypal claims my account is closed forever, I am blacklisted as a customer blacklisted forever, but Paypal refuses to release my funds {$500.00}. What Paypal is doing is illegal, an unlawful violation of " Regulation CC ''. XXXX XXXX, Paypal Acct # XXXXXXXXXXXX. My contact number XXXX.

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 2017-03-03 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc

Complaint narrative:
I bought an item on ebay but after my purchase I saw that the information given by the seller was inadequate. I discovered that the item bought can not be used in XXXX. I immediately cancelled the purchase and the seller agreed. In spite of that agreement, the product was delivered to my address in the XXXX. I was unable to resolve this issue with the seller ( who wants me to pay for the transportation costs ) so I requested my money back from paypal. Paypal is not willing to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Prepaid card — Mobile wallet
Issue: Managing, opening, or closing account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My account has been closed but company refuses to reimburse {$120.00} in gift card balance still remaining in the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: MI

Complaint narrative:
I applied for a mortgage loan thru PrimeLending, got approved and went into the closing with the tittle company. Everything was signed and I was provided with documentation about the amount needed to close the deal that had to be wired. I wired the money to the title company and informed the involved parties about the transaction. After 48 hours I was contacted by the originator, and he told me that I missed to pay the full amount for the closing. When we reviewed the documents, he told me that apparently a glitch in their system did not put the correct amount into the closing cost sheet. When I revised the file, a credit from the lender was missing, as a well as other amounts were changed. The originator told me that I had to pay for their mistake or I lose the deal. The amount the lender claims I owe is {$210.00} I do not feel this is ethical as they can also say can later on claim that another glitch happen and another amount would change for no real reason in the future. I fear this lender would incur in such practices through out the life of the mortgage as I was later on dragged into multiple changes that skyrocket the costs and are out my budget with each review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal ran a hard inquiry on my credit on XXXX/XXXX/15 which I did not authorize. I was trying to make a purchase on eBay and I clicked add PayPal credit, thinking I was adding the {$10.00} I had in my PayPal account, but instead you ran a hard inquiry on my credit. I was NOT applying for credit nor did I authorize PayPal to run my credit. Please remove hard inquiry from my credit report with all XXXX credit bureaus. Customer service was very rude and made me cry, when asked to speak to a supervisor I was put on hold twice for over an hour.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OR

Complaint narrative:
The lender is making multiple calls per day to my cell phone in order to collect repayment of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: SC

Complaint narrative:
Rushmore Loan Management Servicessee attached documents

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX has my previous account ( XXXX -- ended in XXXX 2014 ) in collections ( XXXX, phone : ( XXXX ) XXXX, partial accountant number XXXX ) because XXXX states I signed a contract for reactivation of XXXX of my XXXX cell phones ( XXXX ) on XXXX XXXX, 2014 which made me break the original contract by getting XXXX new phones/contract with XXXX on XXXX XXXX, 2014. 
I DID NOT SIGN A REACTIVATION CONTRACT WITH XXXX. 
XXXX WILL NOT PROVIDE THE CONTRACT SUPPOSEDLY SIGNED BY ME. 
All credit companies have this incorrect information in the amount of {$310.00} and XXXX refuses to show documentation of this supposed documentation. 
I have been disputing this incorrect charge since XXXX 2014!!! 
I signed a contract with XXXX on XXXX XXXX, 2014 when all three phones were no longer in contract with XXXX. 
Now XXXX has bought out XXXX ; so XXXX is now XXXX. 
The new " XXXX '' is updating all XXXX XXXX clients with giving them new Android XXXX XXXX 
I can not received new XXXX because of this incorrect collection statement on my credit reports .... EVEN THOUGH IT IS XXXX 'S FAULT. 
My credit score has suffered immensely because XXXX refuses to provide the documentation that I supposedly signed a reactivation contract. 
Unbelievably, some of my insurance premiums went up because my credit score went down because XXXX will not provide the documentation. 
I can not get a lower interest rate on refinancing my house because my credit score went down because XXXX will not provide the documentation. 
This incorrect collection accusation is causing havoc in my life not to mention if it is not taken off my credit reports, the incorrect collection will follow me the rest of my life. 
Again, I have been disputing this incorrect accusation since XXXX 2014. 
If XXXX can not provide the 'signed contract of reactivation '' which I did not sign, then they need to recognize a mistake was made on their part somehow, somewhere, sometime and admit to it. 
When I call XXXX, Customer Service says they can see where I have reactivated the phone on XXXX XXXX, 2014 but they can not find the contract. 
I say, " If you can not provide a signed contract, then you have no proof to accuse me of signing the contract ''. Customer Service says I am right, but there is nothing they can do as it is already in collections. EVEN THOUGH I BEGAN CALLING THEM XXXX 2014. 
Please request XXXX to provide the contract, or copy of thereof, with my signature on it or admit this collection charge is in error and remove it from my credit reports. 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: IA

Complaint narrative:
Aspire Loan Servicing company has taken over the payment process for Iowa Student Loan. My private loans hold a grace period, this was established with Iowa Student Loan early on in my loans. I have spent countless hours with Iowa Student Loan reviewing options, understanding payments and understanding the loans process. I am aware of what I can and can not do and how my decisions will impact my loans and/or my credit. I have also flexed my payments based upon when paychecks are provided ( as do most consumers ). This was NEVER an issue until Aspire got involved. Aspire contacts me, by phone, if my loan is even 5 days past due. They call me from an unknown number ( which I believe is very underhanded ) and the representative attempts to force a payment over the phone. I previously explain to these representatives that payments are scheduled and I do not wish to make one at this time. They continue to push for payment telling me that since my loan is past due it may be reported to the credit reporting agency and I should make a payment today to avoid this. I again state payments are already scheduled for the upcoming payday week. I have NEVER been more than 10-12 days ( Iowa Student Loan explained 15 or more days is where there could be some additional issues with fees and reporting to credit bureaus ) late with my loans in over 10 years, they always receive payment EVERY MONTH. It is a constant battle and I feel harassed and exhausted every time I deal with them. Yesterday, however, they crossed a line and I feel action needs to be taken. The representative that called my phone from an unknown number AGAIN, identified herself as calling from Aspire Student Loan Services, explained the call could be monitored or recorded ( all the standard ) and then she proceeded to tell me that she needed to inform me that she was " DEBT COLLECTOR. '' This is insane, intimidating and misleading language. My bill was six days past due with a scheduled payment ( visible on their website ) for THIS Friday. She is not a debt collector and I do not appreciate being called in the middle of a work day from an unknown number with someone referencing DEBT collection as if I am months past due, or that I must pay immediately because I am in some sort of trouble. This company is getting FAR too pushy. I know that I am not the only customer that has issues with their aggressive actions for loans that have ALWAYS been paid. A letter after six days -- MAYBE, a phone call referring to a DEBT COLLECTOR is UNACCEPTABLE. Even mortgage companies do not harass you in this manner and they hold loans MUCH larger in capacity than this company, and allow the 15 days grace. I feel harassed and mistreated as a customer that pays EVERY month. I understand reminders, I understand follow-ups to make sure, but 6 days is uncalled for.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I received this email from a weird address on XXXX XXXX, XXXX CUSTOMER ID : XXXX CASE FILE # : NT - XXXX LOAN INFORMATION PAST DUE AMOUNT - {$980.00} CREDITOR - ACE CASH SERVICES Accounts Department of Cash Advance has decided to mark this case as a flat refusal and press legal charges against you. 

You are going to be legally prosecuted in the Courthouse within couple of days. Your S.S.N is put on hold by US Government, so before something goes wrong we would like to notify you about this matter. 

Consider this as a final warning. And we will be Emailing/ Fax this issue to your current employer to make sure they take strict action against you. Your salary wages will be garnished too. 


THERE ARE 3 SERIOUS ALLEGATIONS AGAINST YOU : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to {$3900.00} and will be totally levied upon you and that would be excluding your attorney charges. If you take care of this out of court then we will release the clearance certificate from the court and we will make sure that no one will contact you in future. 

Do revert back if you want to get rid of these legal consequences and make a payment arrangement today or else we would be proceeding legally against you. And this is to notify you that this notification will also be sent to your current employer. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action. 

If you want to resolve this matter then immediately contact us thru email or call us at ( XXXX ) XXXX between working hours XXXX to XXXX ( EST ) Ace Cash Services Phone : XXXX ( XXXX ) XXXX Department of Law & Enforcement ( XXXX ) Copyright ( C ) XXXX XXXX | Privacy | Terms of use

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I have reoccurring payments taken from my checking account for my students loans. My provider is Navient. Every once in awhile, I will make an additional payment on XXXX of my loans. Lets call it XXXX XXXX. This is not to be confused with paying ahead, every time I make this payment, I call a customer representative and tell them I want the payment to just pay off any outstanding interest, and the rest on the principal of the loan. My monthly reoccurring payment should remain the same, and I pay the same amount. 

It appears to work, as the monthly payment is taken out of my account, on the same date, just like normal, costing the same amount as always. The problem is, XXXX XXXX will not have the monthly payment taken from the principal. It is like no payment was made on XXXX XXXX. My other loans will have their principal reduced as normal, just not the specific loan I made that one-off payment on. 

So my monthly payment of XXXX $ a month for XXXX XXXX is literally pocketed by Navient. This happens EVERY time I make an additional payment on XXXX of my loans. It is not a human error, but a systemic error built in the system. It has gotten to the point where I keep track of my loan balance before and after every monthly payment because I can not trust the company. They literally are stealing this money from me, and probably hundreds of other unaware people.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: First National Collection Bureau, Inc.
State: IN

Complaint narrative:
I am receiving letters from First National Collection Bureau for a debt that has been paid and does not show up on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation