vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-09 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
My Paypal account was somehow switched to PayPal Credit account last year. I do n't recall requesting this credit and I never authorized PayPal to start billing my PayPal purchases to the PayPal Credit. I was not paying attention to how this was being billed, and never got any monthly statements for this new credit product. Last week, I was sent a bill for my PayPal Credit balance, and it was very high, but I just paid off the balance. 
I think you should advise PayPal to NOT unilaterally switch customer payment options to Credit. It should be very clear that customers are now paying with credit rather than directly debiting from their bank accounts. I believe this was a predatory lending practice and I am sure other consumers have been tricked into using PayPal Credit against their wishes. 
Thanks, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-05 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: TX

Complaint narrative:
Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a Medical Creditors Validation letter with HIPPA requirements to I.C. System Inc. I had my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a medical account that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt was never validated by I.C. System Inc. Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be register with the State of Texas in order to collect a debt in Texas. Also, that no Debt Buy can hire another debt collector to collect for them in Texas my debt should be removed off my credit report and out of the office of I.C. System Inc.

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 2016-06-03 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
On XXXX XXXX a request was made for funds to transferred to a recipient via PayPal. That was accepted and the two minutes later canceled by the recipient. The funds were still drawn from the XXXX XXXX account on XXXX XXXX. I the sender contacted PayPal on XXXX XXXX to also cancel the transaction. A service representative informed me that since the recipient was the XXXX to cancel the transaction, the funds would still be drawn and would reject automatically from her PayPal account and would be refunded back into my PayPal account in XXXX to XXXX business days. After the XXXX business day I called PayPal because the funds were not in my account, and I was told that PayPal never received the funds from XXXX XXXX. I then called XXXX XXXX and opened a claims case to determine what happened. XXXX XXXX said they would investigate and I would be contacted in XXXX5 business days. I was never contacted and when I called XXXX XXXX and was told that my case was closed and they would not be refunding my money. I was given the trace number and was told to go back to PayPal with it. I did so, I faxed PayPal a copy of my bank statement showing {$1000.00} was drawn, and provided the trace number showing completion of transaction. I was then emailed by PayPal that they did not have the funds and I would have to contact XXXX XXXX to have them trace the funds. I have gone back and forth without a resolution since then. I have XXXX XXXX information but PayPal would not give me proof that the funds were not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
PayPal advertises that you can send money to anyone via e-mail, even if they do not have a PayPal account. I have used PayPal for many years for purchases and was very happy with their service. So I trusted this method of money transfer to my relative though I have never tried it before. On XXXX XXXX, 2016, I sent my Uncle in XXXX, {$2000.00} via my personal PayPal account as a gift. I sent it directly to his personal e-mail address : He accepted the transaction via his personal PayPal account. My relative then attempted to transfer the funds to his bank in XXXX, XXXX so he could access the funds. His XXXX account utilized a different e-mail address than his PayPal account and he was unable to make the transfer. He request help from PayPal and was advised that he needed to setup a business PayPal account, which he did ( although he has no business ). He was then able to transfer the funds from his personal PayPal account to his business PayPal account. He then attempted, again, to transfer the funds to his XXXX so he could access the money. But now is being denied access to the funds because the business PayPal account is frozen. This is because PayPal requires my relative to provide detailed business information needed to complete the business account, which he can not do, because he has no business! Thus, the {$2000.00} can not be accessed by anyone as long as PayPal has his business account frozen. Note that the only money in his business PayPal account is the {$2000.00} I sent him. The only reason for setting up the business account was due to problems with his personal PayPal account. When I tried to submit a dispute via PayPal resolution center, they stated that I had to contact the seller directly for a refund. With his account frozen for administrative reasons only, no one can touch the money. My relative would be very happy to send the money back to me, if only PayPal would let him. I have proof of the transaction from me to him and PayPal 's response to my complaint. My relative is stuck without recourse, I am stuck without recourse, PayPal will not allow either one of us to access my original {$2000.00}. Furthermore, the PayPal information provided to my Uncle was in XXXX, although he only speaks and reads XXXX. His XXXX is very minimal. Also, the PayPal account only provides a template for the American bank system of routing and account numbers. The XXXX banking system is completely different. In the process of trying to do a good deed, my Uncle and I have created a mess that has {$2000.00} stuck in a XXXX scenario. For the record, I sent my relative a second transfer of funds directly from Bank to Bank without difficulty. The only issue is how do I now retrieve the original PayPal amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: Flagstar Bank, N.A.
State: MI

Complaint narrative:
I have a complaint regarding the overdraft fees that were billed to my checking account. I have a complaint regarding the overdraft fees that were billed to mychecking account. I was charged XXXX overcharge fees for XXXX withdrawals in which I had funds in the account. I contact your office and spoke with a representativewho credited me with XXXX of the fees back. However, the XXXX fee was never credited. I just do n't understand how I can billed for an overdraft fee when the fundswere in my accounts. I contacted the office of the president for Flagstar Bank and my compliant was pushed aside. Flagstar has now filed a writ of garnishmentwith my employer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
I have found out that Bill Me Later has an account opened under my name. I have not opened an account with this company nor have ever done business with them. 
This account appears on my credit report, which does not belong to nor have I opened it with this company. There is also collection action appearing on my credit report as well as letter that I am receiving.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-15 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
A group on XXXX created a group. I realized that it was a pyramid scam. I sent them money in hopes of getting more back. I did n't not receive any money in return and they will not send my money back.

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 2016-02-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
Memorial Day 2015, our home was flooded due to a declared national disaster. Since then, Flagstar Mortgage has received well over {$170000.00} in insurance funds. I submitted documentation to pay the mitigation company and eventually had a check issued for {$28000.00} to that company. Leaving +/- {$140000.00}. We have processed no other claims. We had a contract to sell the house. I called Flagstar to get a payoff requesting they take the insurance proceeds and apply that to the principal. They refused to do so. As of yesterday, the loan has been paid in full, and when I called today to find out when I will receive the {$140000.00} of funds from the insurance proceeds. I got switched around between the insurance claims area to the corporate office and neither can tell me the process. They also will not wire me the funds but instead insist on mailing me a check for this amount which I find unsafe and unreasonable. The loan was paid off prior to the date on the payoff letter. I asked how much of that interest would be refunded to me. They also could not tell me that because although they received the payoff via wire on XXXX, they do not have to credit the account for 48 hours. They are making an additional few days ' interest off of me although they have the money. 
I was told when I first called the mortgage company days after we flooded that insurance funds would receive interest on the insurance funds. Now they are telling me they are not required to pay interest on these funds that they have held for many months. The people I speak with have no understanding of how their own company works and no interest in helping. They are sitting on this amount of money for no less than 8 months and do n't pay interest although they said they would?! Ridiculous. They want to mail a check for XXXX? Ridiculous! Ca n't tell me when they will even mail the check! 
In addition, I told them they would need to mail the check to our new address and they said they will only mail it to the house that is now sold. I DO N'T LIVE THERE anymore! I sold the house! I feel like I am intentionally being run in circles just so they can keep the money for longer. I am sure they are earning interest on it.

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 2016-04-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Darnel Quick Recovery, Inc.
State: GA

Complaint narrative:
I have made many attempts to contact XXXX XXXX with regards to a debt that they are reporting in collections on my credit file. I have sent many letters asking them to provide me with proof of this debt and to date they have not done so. I have sent them a letter as recent as XXXX XXXX, 2015 via certified mail. I have also disputed this account with XXXX who report this account as verified. I am leary of this since I ca n't get a response back from Darnel Quick Recovery. I need your assistance in getting this matter resolved. Otherwise, I will have to sue for damages.

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 2016-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: Specified Credit Association, Inc.
State: IL

Complaint narrative:
I have advised XXXX XXXX with Specified Credit to cease and desist. However, she continues to call me and leave voice messages. I do not have an account with Specified Credit. I have never done business with specified credit. Therefore, they have no right to have my personal identity information. On the last call I accepted from XXXX XXXX, she was so aggressive and rude that she quickly began discussing the account she was calling about without even stating the collection mini miranda. When I advised XXXX XXXX to stop contacting me, she told me she would call me whenever she wants to. I have never done business with Specified Credit. I have never authorized any business with their company. This company does not possess the right or legal authority to contact me or remain in possession of my personal information. I am requesting that this company not be allowed to sell my personal information to disguise their violations. XXXX XXXX has also contacted friends and relatives of mine, who told her to stop calling their phone as welI, and she advised them also that she will not. She has continued to contact them ... .I DO NOT WANT SPECIFIED CREDIT, XXXX XXXX CONTACTING ME. ONCE AGAIN, I HAVE NEVER DONE BUSINESS WITH THIS COMPANY. Very, very, rude representative who has no clue of the FDCPA laws.

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 2015-05-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Skyline Financial Corp.
State: CA

Complaint narrative:
XXXX XXXX, ( my mortgage holder at the time ), included information in a billing statement about refinancing with New Leaf Lending ( aka Skyline Financial ), an affiliated company. I contacted New Leaf and was assured by XXXX , the mortgage broker that he was familiar with the subordination clause in the affordable housing community where I purchased my home and XXXX had purchased the loans from the XXXX XXXX XXXX . A good faith estimate with a 4.625 % interest rate was provided which I signed and returned and I instructed the rate to be locked in and XXXX told me he did and that it would remain locked until the loan was funded. Any paperwork that was requested was provided quickly by me during the entire four month process. At the very end, when the loan was to be funded, XXXX sent me a new 'good faith estimate ' with a 5.125 % interest rate with the instruction that I should sign it. I was told that I had already signed a 'good faith estimate ' reflecting that rate. That was untrue. This was completely unacceptable to me and after discussion with XXXX and his supervisor, XXXX XXXX, about their 'bait and switch ' tactics, I cancelled all business dealings. I have all of the documentation associated with this refinance including emails and documents submitted to me and by me if you would like to see any of it. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-05 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
On XXXX XXXX my daughter transferred money to my paypal account. On the XXXX I called paypal since I could n't get any response from my requests online. I was told that the money had gone to my bank and should be in my account. I contacted my bank XXXX, they informed me that the money had not been received in my account and they did n't know where it was. I contacted paypal and the issue a trace to locate the funds. On the XXXX of XXXX I was told by XXXX a paypal Customer Rep. She informed me that the money was put in an account number that was not mine, it was one number off. This was and is confusing to be as I did not verify this account number and in the mean time I had made a purchase and the fund had been taken from my correct account number. During this time I spoke to XXXX on XXXX, XXXX on XXXX, XXXX again on XXXX, XXXX on XXXX, on XXXX I spoke to XXXX XXXX, XXXX I spoke to XXXX, On XXXX I spoke to both XXXX and XXXX, I spoke to XXXX on XXXX, and on XXXX I received a message from paypal to let me know that the funds could not be returned to be me as the bank denied the reversal. I have been speaking to XXXX and XXXX at the local branch of the bank all along and when I called to check on the denial XXXX let me know that there are several reason that the transaction could be denied but she was unable to tell me anything about this because of privacy. I am at my wits end and do n't know what to do at this point. If I did n't verify the account that the money was sent to why do n't have I my money back. Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: The Regional Adjustment Bureau, Incorporated
State: FL

Complaint narrative:
Regional Adjuatment, phone number XXXX out of XXXX Tennessee. This company called my brother in law asking for my sister to talk about a debt I owe. I have never provided any information other than my own on applications for credit or medical billing. I contacted the company to get their information, but they would not give me any information regarding what kind of debt this is because I do not agree to be on a recorded line.

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 2016-04-13 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
There were XXXX unauthorized transactions on my paypal Account, XXXX of which was refunded and the remaining XXXX paypal has refused to refund. They were not ebay purchases they were direct money sent on XXXX XXXX and XXXX XXXX. The sources seem to be XXXX and XXXX as XXXX of them is named XXXX XXXX and another is XXXX characters another is XXXX XXXX and the fourth which has already been refunded by the Scammer was XXXX XXXX. It appears to me that they sent out the first XXXX smaller withdrawls of {$100.00}, {$50.00}, and {$100.00} to see if they would go through. They did not, and the fourth charge of {$1400.00} the Scammers themselves withdrew after realizing I had no money in my back account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-24 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal has limited my account and is holding my money all because I share the same address as someone else with a limited account. I request that Paypal lift the limitation off my account. Paypal : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 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: LA

Complaint narrative:
Company did not remove the dept from credit report as agreed

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 2016-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
XXXX XXXX I put my house up for sale, and immediately moved out with my XXXX kids, due to a divorce. I moved down the street to an apartment, pending the divorce decree and the rights to the home turned over to me. My lender Flagstar Bank has denied every short sale, deed in lieu of foreclosure, and offer that my realtor submitted. My XXXX year old aunt took ill this XXXX XXXX, so I had to get rid of my mortgage attorney. The lender is not allowing me to refinance or do anything to save my property. I now have a $ XXXX-XXXX deficit with the lender. The house has been on the market for two years. The lender requested XXXX for the home. A buyer submitted the offer of the exact amount, and we were then asked to get an appraisal and survey done. Those procedures have been completed, and now the offer has been denied again. I have been treated very unfair over two years and I am doing everything to save my home, my credit, and find my XXXX kids and I a safe place to stay. The lender is not communicating with me or the realtor. I pulled my credit report on Friday, XXXX XXXX, XXXX, and then saw " foreclosure initiated '' on my credit report. I have not received any additional documentation to my current residence.

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 2017-02-09 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Managing, opening, or closing account — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
My PayPal account was permanently limited without warning by PayPal in XX/XX/2016. When I called customer service department, I was told " PayPal my cash '' I purchased from XXXX and loaded to my PayPal account is supposed to be used to " buy '' stuff not to transfer to my bank. If I ca n't transfer my money to my bank, why do they make " transfer to my bank '' available?! It is " my '' cash I paid for it, PayPal has no grounds to tell me what I can do with " my '' money, and they have no right to hold my money for 180 days. 
Also, I got an email from paypal saying it was a mistake, but when I called back, they denied they sent the email and refused to resolve the issue and wo n't let me file an appeal. Please see attached email.

Company response to consumer: Closed with non-monetary relief