vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-30 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
i order a XXXX on line which the site said ebay and that i can pay with my pay pal account and that my order is protect. on XXXX/XXXX/2015 i get an email from XXXX saying my package was delivered as XXXX so i get home around XXXX and i see no package so i called XXXX and they said the package was passed off to United State Post Office and that they received an email from the post office that the package was delivered. So i called the post office and they tell me the package was left on the front pouch and i told them there was no package left i told them i went back to my camera that i have outside of my house and it do not show anyone coming in my from gate at the time they said the package was delivered so they open an investagation and gave me a claim number and said some will call me within XXXX hours. witch they did n't it was more like 5 days when i received a call back and the rep. just told me the same thing i had on my compliant form that the package was delivered on XXXX/XXXX/2015 at XXXX i told him this is the same information i put on my compliant tell me something else. I asked the rep. if he spoke with the person that said they delivered the package and he said no i said why not he said they might not remember i told him that 's not an answer he said he would checked with the person and get back with me. a few days went by and i call the post office back and they told me my case was closed i said the rep. i talk to was going to check and get back to me. so i open another case with the same complaint and they told me the same thing. no one did anything about this and i want to know why. right now im out XXXX and my son son do n't have his XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: OR

Complaint narrative:
My father purchased a New Vehicle the Contract says 0 % APR with Purchase of XXXX Please see Admittance by ford motor credit XXXX XXXX 15 %

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Federal Adjustment Bureau, Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX FABCO dba Federal Adjustment Bureau XXXX XXXX XXXX XXXX 
XXXX, OH XXXX XXXX : Letter of Intent to File Suit To Whom It May Concern : This letter serves as the formal notice of my intent to file a lawsuit against FABCO dba Federal Adjustment Bureau for {$25000.00} as a result of violations of The Dodd-Frank Wall Street Reform and Consumer Protection Act ( XXXX ; commonly referred to as XXXX ) and Unfair, Deceptive & Abusive Practices ( UDAPP ). I contacted your company which listed a fraudulent account on my credit on several occasions. At which time I requested you remove the fraudulent listing and have even sent verification from the Criminal Investigations Division of the XXXX XXXX XXXX Police showing the account is a result of identity theft. During my final attempt I requested very specific documentation to show this account is valid knowing full and well such documentation can not be provided as it is a result of ID Theft. To which you responded with a packet of paperwork which did not include the information requested. Thus rendering the debt invalid under FDCPA. Your company not only continued to report the invalid debt on my credit but also sent me notices demanding payment on said fraudulent account. 
There was no evidence to support your claim that I owe or agreed to this debt outside of what appears to be a line written contract which I did not sign. The " Signature '' bears no resemblance to my own and you failed to furnish anything of mine ie. a drivers license or social security card. Considering I work for a law firm I have never seen a lease agreement that the rental agent did not obtain of copy of such documents. 
Your company was also provided a " Release Of Claims '' understand that release does not have any bearing on this case considering it sites specific laws your company was release from liability on. Now given my previous experience your company will draw out the process for as long as possible but due to the negligence and disrespect exhibited by your company which I have no problem with. I also previously advised I would be working with a lawfirm. At this time I have opted against doing so and will be handling the case myself. 
If you choose to just pay the {$7500.00} and avoid further cost to your company that would be agreeable. If not then this letter will serve as your 14 day Initail Demand prior to suit being filed. 

Your prompt attention is appreciated, XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 2017-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Lincoln Educational Services Corporation
State: NY

Complaint narrative:
I got a misunderstanding of my lone, when I was singing up to go school, i think they did n't explain the student lone well. I was unemployed at the time when I first started school. I was paying {$230.00} per month, did n't know that it was XXXX different types of loans I had to pay back, not until I graduate. After I finish school they did n't even get a job as they promises, so I when back to my old job, but I only could pay for a while until this is it, am not making as much money. I thought I was mislead in that lone transaction. Am a XXXX XXXX XXXX man with responsibilities.what good paying job could they get me to pay back the lone, when the course is only for couples of months, there 's so much to learn in automotive industry, am not a well educated. So I could n't get into any step program with any of those top end dealer company. For a person with out any mechanical background it 's hard to learn most things, hands on in XXXX months. Am not in any situation right now to pay back the lone.from i graduate school i do n't do anything auto mechanic work, i do n't remember mostly nothing that I have learned. Am hardly can survive, credit shot, need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Financial Credit Service, Inc.
State: GA

Complaint narrative:
I have received a few phones call from a company that refers to themselves as either " Litigation department '' or XXXX XXXX, attorney of ARA division. They 've contacted me regarding a credit card debt that is over 15 years old, I believe. I 'm not sure what the debt is. As a victim of identity theft, I 've ask them to identify the debt and provide me with proof of this debt since I 'm not certain that it was me. I asked that this information be mailed to me. 

When I asked for information, the female representative accused me of being a liar, used foul language, threatened me with court, and hung up on me. I called and back and spoke with gentleman, who immediately took an aggressive tone with me and I thought it was best to end the call at that point. 

Now, I 'm getting garbled voicemails that state they are filing an affidavit against me. If the company can not provide this information, I will not pay it. To simply call someone up, claim they owe money without provide proof is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Financial Credit Service, Inc.
State: OH

Complaint narrative:
Asset Recovery Associates called me, my brother, and my parents to say I owed {$10000.00} to The Finance Company. This was an attempt to collect a debt from XXXX. I was n't working then, and I do n't know of anyone who will give a loan to an unemployed applicant. Told my my car and license plate number, listed several addresses that I never lived at, and told me I was due in court in XXXX, NY on Friday, XXXX XXXX, XXXX to answer for the judgement. I have never lived there, and do n't understand why they would sue me there. They said they would settle for {$2700.00} if I paid them {$490.00} by the end of the work day yesterday. I was told my wages would be garnished. They said their client would get their money one way or another.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: STUDENT ASSISTANCE FOUNDATION
State: WA

Complaint narrative:
my loan was in a hardship status while I went through a bankruptcy last year that discharged XX/XX/XXXX. I was unable to make the {$350.00} payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was waiting for a new tax return to come back because I also had to go through a divorce that finalized in XXXX of XXXX. I asked them if there was any way I could get an IBR that would catch up my past due so that I could make reasonable, on-time payments. They sent me the IBR that lowered my payments to {$57.00} a month. I could make those payments and also paid additional totaling a {$100.00} a month for XX/XX/XXXX, XX/XX/XXXX and going forward was the plan. They told me I had exhausted all deferment options and that the past due could not be updated and that my loan, even with the additional amount I was paying was going to default XX/XX/XXXX. I was then instructed to resubmit an IBR and if my payments were lower, they could forgive my past due. Why was this not an option the first time, I do not know, but instead my payments increased then to {$120.00} and still " no past due deferment ''. Which made my situation even worse than before. I am a single mom, with a XXXX child, other than sacrificing her care by being gone more than XXXX hours a week, I am simply unable to meet their demand for {$1300.00} past due by XX/XX/XXXX in addition to the increased payment from {$57.00} to {$120.00}. They would not allow me to cancel the last IBR request that they suggested that would help me and it only harmed my current situation. I have a student loan debt for {$30000.00} + w/an 8 % interest rate and I am XXXX years old. The degree is a travel management degree from a private school that shut down shortly after my graduation. The degree is essentially worthless because it is non-accredited, the school is non-existent. The Student Assistant Foundation in Montana has not offered any solutions that have helped, only made my situation worse and said to look forward to continued calls and even more fees after default occurs. I have asked the ombudsman for help and they offered no solution or help on their end. I feel like I am in a no win situation and soon they will garnish my wages and take my taxes every year once this default occurs. I have no faith in the system at all. I know that I can make their {$57.00} payment, and even make their {$120.00} demand but I can not simply come up with {$1300.00} by XX/XX/XXXX. I need someone to help me figure out a way, if I had n't had to file for bankruptcy and divorce all in one year, I may have had an opportunity to stay on top of this, but it was n't an option for me unfortunately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Trident Asset Management, L.L.C.
State: NC

Complaint narrative:
I have several accounts that are listed with this company that is a result of my identity being stolen and are fraudulent I have submitted an ftc report # XXXX and a police report detailing the identity theft and some of the fraudulent accounts that are listed. acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-01 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I have been working with paypal for over a year now and have had no customer complaints or done anything wrong. Yet just recently they have been putting holds on my accounts making me wait for the money to transfer from my customers. I have submitted numerous documents with proof that my items were being delivered yet they still have not taken them into consideration and will not tell me the real reason my account is being limited. Now they have decided to close down my account for life and say that they ca n't reverse the appeal, this is a terrible business practice to continue. No matter who I talk to with Paypal they all blame it on another employee or transfer me to new people on the phone. I want my balance in my account to be transferred immediately without having to wait " 180 days '' which is far too excessive. Actions need to be taken on Paypal immediately for what they have been doing over the years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: I.C. System, Inc.
State: IL

Complaint narrative:
The bill was paid to a different collection company. We have spoke to ic systems and provided proof of payment of the bill and they still will not remove it from my credit report. They still request payment even after XXXX XXXX XXXX stating that there is no bill due. I spoke to XXXX to verify no bill was due and indeed no bill is due and they told me to tell I C System to prove the bill is due or remove it from my credit report and they refused.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I am filing this complaint regarding Pay Pal. 
The fees they charge for a seller on ebay are not transparent. They are hidden, and difficult to find. For the casual individual selling something on Ebay, it is very tricky. 

1. When you receive payment from a buyer through Pay Pal, you receive an email from Pay Pal saying that you received a payment of, for example {$100.00} from a particular buyer. There is no mention of fees being taken out by PayPal. If you go to your Pay Pal account ( using the Pay Pal phone application ) there is no reference at all to fees anywhere on the site. When you look at your personal activity ledger, it will show, for example for the fictional transaction above, that your account was credited approximately {$97.00}. There is no reference, even in the details of the transaction report, to the 2.9 % plus {$0.00} in fees that Pay Pal removes from what the buyer paid. The smaller amount just shows up in your account. This seems to me obviously designed to make it difficult to see the fees, and to make it likely that many people will overlook the fact that fees are being taken out of the account. If you just go by the emails you receive from PayPal, you will one day look at your account and find significantly less money than you expected. Pay Pal should be required to show the fees they are taking in the emails and phone application account activity. Anything less is deceptive and misleading. 

2. The PayPal website is better on this, but only slightly. If you go to the Pay Pal website, and have not signed in, then if you scroll to the very bottom of the page, you will see a small word " fees. '' If you click on that you get information on seller fees. However, once you log in to the pay pal site -- which most people do immediately and automatically -- then the fees information disappears!! In other words, once you log in, you can not get information on fees!! Obviously designed to hide information from Pay Pal users. 
On the website, in your one 's personal account, you see nothing about fees in the listing of transactions. Only when you click on the details of an individual account do you see the actual calculation : the money sent by the buyer, and the amount extracted by Pay Pal. 

The above represents classic tactics to hide the amount and taking of fees from Pay Pal users. Obviously, the intrepid and careful user ( who does n't log in ) can find the information. But Pay Pal has designed its system to hide this information from the user who uses Pay Pal 's phone application ( no information about fees at all, and misleading account information ), and even on the Pay Pal website the fees are unnecessarily hidden. Pay Pal is a huge company. With millions of users, they are able to make quite a bit of money out of these deceptive practices. This is wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 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:
Earlier this year, I contacted my bank and requested a RETURN and/or STOP PAYMENT on any payments presented that would cause an OVERDRAFT of my checking account. I was informed that the bank would return any payments presented that would cause my account to OVERDRAFT. On XXXX XXXX, 2015, FLAGSTAR bank attempted a " RETRY PYMT '' in the amount of {$18.00} against an available balance of {$1.00}. The bank subsequently presented another " RETRY PYMT '' in the amount of {$18.00}. As a result of this activity, my account which previously had a positive balance of {$1.00} was negative {$34.00} in bank fees. The items presented were NOT paid and returned.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Paypal Holdings, Inc
State: ID

Complaint narrative:
I submitted and FDCPA debt validation request to PayPal Credit for debt validation on XX/XX/XXXX. The request had a 30 day time window on it, and was completely ignored by PayPal. I submitted the second letter requesting debt validation to XXXX on XX/XX/XXXX, and once again the request was willfully ignored. The agents in customer service are obviously outsourced and have no idea in the slightest what FDCPA even is. My requests have been willfully ignored and violated. I understand that I need to report these violations to the proper federal venues. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: CA

Complaint narrative:
I wanted to buy a home.I shopped around a lot for the best rate.I authorized 3 companies to pull my credit. I went from an 814 credit score to a 740. I have no debt except the house.Several companies pulled my credit after I specifically told them not to as it would affect my XXXX score for some reason I do not understand.XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX were not authorized.One online one I closed the page the minute they asked to run my credit & they still checked my credit.Its a way to ruin our credit to make a higher interest rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.C. System, Inc.
State: OK

Complaint narrative:
IC System sent me a letter dated XX/XX/XXXX stating they were a collection agency and that I owed {$110.00}. I responded in writing on XX/XX/XXXX that I was disputing this dept and would like verification of the debt or a copy of the judgement. I then received a letter on XX/XX/XXXX stating that my debt was now {$230.00} due additional charges being incurred. I have no idea who I owe this money too and have not received a verification of this debt nor do I know what additional expenses have occurred to increase this debt.

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 2015-09-12 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: Paypal Holdings, Inc
State: IN

Complaint narrative:
My PayPal account was compromised by someone in XXXX ( I have an email from PayPal in XXXX indicating the addition of a bank account ), who transferred {$480.00} to an account in their control. 

When reported to PayPal as fraud, they issued a refund of the {$480.00} fraudulent charge. 

They later rescinded the refund, and are now trying to collect the sum, and are preventing me from using their service until I re-pay the amount I was defrauded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Other financial service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I was purchasing services from an XXXX seller through PayPal, but the PayPal exchange rates were incorrect, making the total amount over {$40.00} more than I should 've been paying. We even called PayPal, and two of their representatives saw that the current XXXX/USD rate was 1 USD = XXXX XXXX, but PayPal was showing the rate as {$1.00} USD = XXXX. On $ XXXX, that 's a difference of {$41.00}. 

The PayPal representatives suggested we send the money directly to the person 's email, but the rate remained the same. Their other suggestion was to adjust the amount to the USD amount, but that would 've meant the seller would lose {$530.00} on the sale. 

This is not fair to buyer or seller. PayPal should have updated rates, but a XXXX search revealed their currency exchange rates are often six ( 6 ) months out of date. That should be illegal. 

In the end, there was nothing to be done but to pay the inflated PayPal rate, as we needed to pay the seller for the services required.

Company response to consumer: Closed with explanation