vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-22 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Credit Service, Inc.
State: WA

Complaint narrative:
Company claims that they are collecting for a company that I have never heard of but they have all my details, called ex husband that I have not spoken to in years with threats and false accusations demanding that he tracks me down to call them. I think that they are the same company in the past pretending to be someone else. When I call the number they refuse to send anything in writing, They become aggressive when I refuse to give them money over the phone, threating to have me arrested and my social security and credit ruined.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: EZCORP, INC.
State: TX

Complaint narrative:
The interest is 782 % they already in one month took {$290.00} with only XXXX to my loan principle. I borrowed XXXX However. the issue is that I was given false information on the payment amount. I was told that my payment was going to be {$100.00} each of my pay period in which I agreed. But in reality ONLY the first payment was going to be {$100.00} and all the ones were going to increase to {$190.00} each pay period. Which is totally insane! I would have rejected the loan if they would have given me that info in the very beginning! I do not have any paper documentation because I saved the email XXXX XXXX had first sent with all the information and It has disappeared from my box. But I am willing to swear under oath that he had sent me the information indicating the payments of {$100.00} NOT {$190.00}. XXXX became very verbally hostile when I questioned their false tactics. He then added more fee 's to my balance for asking him to take out the remaining XXXX on the next pay period. ( I had to borrow the money from family members so I can get out of this terrible situation. )

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I cancelled services within the XXXX day period and was not soppose to be charged a cancellation fee at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
This morning I submitted payments for items I bought on Ebay, with the " Pay After Delivery '' option fully on display and understanding this as a term of my authorizing the payment. Half of these purchases did not go through as " Pay After Delivery '' and are now completed, even though I did not authorize this. 

I ( after one lengthy hold ) explained my situation to one of your " customer service '' ( and I do use that term VERY lightly ), who informed me " nothing could be done ''. I suggested she simply reverse or credit the charge and then resubmit these charges as requested ( and specifically dictated by the terms I agreed to ), which she replied she could n't do that. Even though you absolutely can and this is per MY request, for MY money for you abiding to the terms specifically outlined and agreed to. 

This constitutes a breach of contract for the agreed to services by you. I am now still waiting ( 43+ minutes ) to speak to a supervisor, who just now came on and can not fix this. You need to act in good faith, you need to fix this. I am contacting my bank to dispute these transaction and they will put a hold on them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-04 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: Google Compare Credit Cards Inc.
State: VA

Complaint narrative:
I PURCHASED XXXX GOGGLE {$25.00} GIFT CARDS AND WHEN I WENT TO USE XXXX-IT HAS ALREADY BEEN USED. STILL HAVE THE GREY SECURE MARKINGS AND CALLED AND NO HELPI PURCHASED XXXX GOOGLE {$25.00} GIFT CARDS FOR MY SONS BIRTHDAY AROUND THE LAST WEEK OF XXXX 2015. I PUT THEM IN A DRAWER AS I HAVE A IPHONE AND HAVE NO NEED FOR THEM. MY SON ASKED IF HE COULD HAVE XXXX CARD AND I SAID YES, WE BOTH SCRATCHED OFF TOGETHER AND IT SAID REDEEMED. I WAS SHOCKED AND CALLED GOOGLE IMMEDIATELY AT XXXX. THE LADY I CALLED ON XXXX XXXX 2015 TOLD ME IT WOULD GET INVESTIGATED AND TO SEND PICS VIA EMAIL TO GOOGLE VIA EMAIL AT XXXXXXXXXXXX .I DID AND SHE SAID SHE WOULD GET BACK TO ME MONDAY OR TUESDAY XXXX THE XXXX AS IT WOULD BE LOOKED AT. I CALLED THEM ON TUESDAY THE XXXX AND THEY SAID THAT IF I DID NOT HAVE THE RECEIPT THERE WAS NOTHING THEY COULD DO. KEEP IN MIND THAT I SPENT {$75.00} AND THE CARDS GREY SECURE MARKINGS WAS STILL IN TACT AND GOOGLE SAID ALL XXXX CARDS WERE REDEEMED. AS U CAN SEE IT IS VERY FRUSTRATING AND I ASKED TO SPEAK TO A SUPERVISOR. THE NEXT PERSON ON THE LINE TO SPEAK TO ME WAS XXXX, HE WAS RUDE AND TOLD ME TO TAKE THE SCRATCHED CARD TO WHERE I PURCHASED AND AND BEG FOR MY MONEY BACK AS GOOGLE WOULD NOT DO ANYTHING TO HELP ME. WHEN I ASKED TO SPEAK TO HIS BOSS/HE WOULD NOT LET ME AND TOLD ME THAT I WOULD LOSE MY {$75.00} AND HE WOULD NOT HELP ME. I FEEL THAT THIS IS UNPROFESSIONAL AND UNETHICAL. I DONT SEE HOW A CARD COULD BE REDEEMED IF IT IS NOT SCRATCHED. I AM COMPLAINING TO MAKE IT KNOWN TO HEADQUARTERS AND TO MAKE THIS RIGHT. I JUS WANT MY SON TO HAVE A NICE BIRTHDAY AND IT SEEMS LIKE I AM GOING TO LOSE {$75.00} BECAUSE GOOGLE DOES NOT WANT TO HELP AND STAND BEHIND THIER PRODUCT. PLEASE CONTACT ME AND GET BACK TO ME AS SOON AS POSSIBLE AND HELP. THANK YOU FOR YOUR CONSIDERATION.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: FACTUAL DATA CORP.
State: OH

Complaint narrative:
Credit report for new loan found out there is a bill total XXXX from XXXX XXXX is not my bill belongs to a family member now on my credit report causing my score to go down. I did pay this for that person, however I do not think this should be on my report. XXXX has several XXXX complaints and continues to be allowed to mess up people 's credit because of their bad practice of lying to customers. This bill was not even mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc.
State: GA

Complaint narrative:
Account appeared on my credit report. I am unaware of the debt. They refuse to remove after several disputes

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 2016-07-25 00:00:00
Product: Prepaid card — Mobile wallet
Issue: Unauthorized transactions/trans. issues — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, I was charged by Paypal for monthly services with XXXX. Approximately 2 hours after the charge, the service was canceled with XXXX, and the money was was refunded in my Paypal account. 
However, regardless of the refund by XXXX, Paypal tried to charge my savings account 4 times, which resulted in {$70.00} fees charged by the bank. 
I also contacted Paypal`s costumer service, and I was explained that Paypal`s system will continue to attempt to charge my savings account until the money is taken out of my account regardless of the XXXX refunds, because the system is set up this way, and the charges can not be stopped manually. 
An email with this issue was send to open complaint case, with no reply whatsoever from Paypal. 

As a result, my savings account was removed from my Paypal account, I had to pay {$70.00} fees to XXXX XXXX XXXX. 

You can find bellow details of the transactions : Paid with PayPal balance XXXX XXXX, XXXX payments Transaction ID XXXX Seller info XXXX, XXXX. 
XXXX XXXX XXXXXXXXXXXX Invoice ID XXXX Your purchase XXXX, XXXX {$34.00} Purchase total {$34.00} Total {$34.00} Refunded to PayPal balance Transaction ID XXXX Seller info XXXX, XXXX. 
XXXX XXXX XXXXXXXXXXXX Refund details Refund total ( includes tax and shipping ) {$34.00} Fees {$0.00} Total {$34.00} Paid with PayPal balance XXXX XXXX, XXXX payments Transaction ID XXXX Seller info XXXX, XXXX. 
XXXX XXXX XXXXXXXXXXXX XXXX ID XXXX Your purchase XXXX, XXXX {$34.00} Tax {$0.00} Purchase total {$34.00} Total {$34.00} Refunded to PayPal balance Transaction ID XXXX Seller info XXXX, XXXX. 
XXXX XXXX XXXXXXXXXXXX Refund details Refund total ( includes tax and shipping ) {$34.00} Fees {$0.00} Total {$34.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
I accidentally had PayPal draw funds from the wrong source to pay for XXXX separate transactions. When I realized the mistake, I promptly called PayPal to change the funding source and ensure PayPal would receive the funds they fronted to pay the sellers. I was informed that it was impossible to change the funding source and that they would be trying to receive funds from an overdrawn account in three days no matter what. It is unacceptable that PayPal will not allow me to prevent further overdraft of my checking account and ensure their swift repayment from an alternate source.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
I made a claim to my insurance company for water damage to my home. They reimbursed me for water restoration and repairs. Checks were made out to me and my mortgage company. I contacted my mortgage company to see how I go about cashing the checks. I was told to endorse the checks, complete numerous forms and mail all of it to them ... which I did promptly. A few days later I called to make sure they received everything. They said they had n't gotten it yet. Next time I called they said they got the checks but not the forms ( IMPOSSIBLE since they were all mailed together ). On future phone calls I was told the following : 1 ) they did find the forms, 2 ) that I now needed a XXXX form from the water restoration company ( why was n't this form requested along with the first ones?? ), 3 ) that they did n't receive the requested XXXX form..so I sent it again, 4 ) now they did have the XXXX, 5 ) that they could n't refund my money because the corporate office had put a stop on my loan, 6 ) that the stop was put on in error and they would remove it. Last call was made two days after they said they would ask the corporate office to remove the stop. I was told they would call me when it was removed and they would process my check at that time ; that was 2 days ago.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
On XXXX XXXX, 2016, a fraudulent charged appeared on my Paypal account. I immediately contacted Paypal and disputed the charge a fraudulent. Paypal agreed to removed the charge. When my payment due date arrived I noticed the charge still on the account reached out to PayPal, tried to dispute the fraudulent charge and in direct voliation of the FCRA Paypal refused to allow the consumer to dispute said charge. Paypal directed the consumer to the vender XXXX. When I reached out to XXXX they also refused to allow the consumer to dispute fraudulent charges or provide proof the consumer placed charges on their Paypal account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-05 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I use PayPal to send virtual currency to friends and family, as well as purchase items from internet shopping sites. But last year PayPal limited my account for some violation of the Terms of Service that I was unaware of and immediately placed my money on hold ( About {$400.00} ) I have sent several nice emails to them to possibly request the early release of my funds but they do n't respond. I have also called and am almost immediately " transferred '' but every time the connection gets lost during that transfer process. So a friend advised me to file a complaint through this website about PayPal holding onto my money for no reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-06 00:00:00
Product: Prepaid card — Mobile wallet
Issue: Managing, opening, or closing account — 
Company: Google Compare Credit Cards Inc.
State: GA

Complaint narrative:
Google Wallet suspended my account for fraud. There was absolutely XXXX fraud. They made me go thru a verification process which I provided everything from a picture of the debit card I used to fund my account, bank statement, ID and transaction history. After taking me through it for a few days they decided they are closing my account still but wont let me withdraw my money. Wont tell me how my money will be refunded. The card i have on file wont be valid after XXXX XXXX so if they decide to send the money to me that way it will not work. They sag i can get my money back in 30 days. I feel they are trying not to give me my money at all i found this article online where others have went thru the same thing. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/2016 I purchased an item on eBay Item Number : XXXX ( a Rolex watch ) and paid for the transaction with my Credit Card from XXXX Bank the amount of {$2600.00}, when I finalized the transaction I noticed that the seller did not contact me, I did not receive any confirmation number or tracking number for the delivery of the object, some minutes later I noticed that the seller was cancelled from eBay and I received an email were they notified me that they removed the item from eBay and acknowledging that I already paid for the item. On XX/XX/2016 I opened a Claim with eBay and a representative called me and told me that the Post was an scam, they apologized and that the money will be credit to my account because I was protected by eBay money back guarantee. I called my Credit Card and notified of the fraudulent transaction. In fact, the money was returned to my Credit Card by PayPal at that time on XX/XX/2016. 
On XX/XX/2016 when checking my XXXX Card statements, I noticed that the amount of this fraudulent transaction was reverse to the PayPal Account " XXXX '' account of the Criminal who run the Scam on eBay, so I contacted my Credit Card and XXXX dispute representative told me that because the transaction was authorized by me they have to paid to PayPal and advise me to open a claim with PayPal who ask for the money back because as a Credit Card they only intervene if I was victim of Fraud Identity. When I contacted PayPal they told me that I can not open a Claim because my Credit Card had a dispute with them and it took a way my right to dispute, despite I talked numerous time with PayPal and explained that I was n't aware of the dispute and I was not heard as a victim of the fraudulent transaction, even when the money they are holding from me is a result of a Fraud, that I never received the object, is not tracking number and delivery confirmation they do n't want to open a Claim and they do n't want return the money to my account. 
I 'm filling this Complaint against PayPal because they took money from an illicit transaction, originating in a fraudulent posting, they know that the seller committed a crime, they know that I never received the purchased item, they do n't want to return the money to me, they even do n't want to open a Claim and PayPal as a financial institution is abusing and defrauding me that acted in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XXXX XXXX, 2016, I XXXX XXXX, filed Chapter XXXX Bankruptcy which included my business XXXX. All of my creditors were notified about my filing, however some of them have chosen not to comply. One of which is Paypal and PayPal Working Capital. They have continuously taken money out of my account since XXXX XXXX, 2016 for a loan that was taken out in XXXX 2016, but was subsequently included in my Chapter XXXX. Their actions or inaction rather is egregious and I would like a stop put to it! Furthermore, the money that they have taken out of my account has further created a snowball effect, in regards to my business checking account at XXXX ( refer to previous complaint regarding XXXX ). If Paypal would have stopped deducting funds out of my account in XXXX, part of the issues that I am having with BMO would not even exist!!! PayPal has caused me to have a {$1000.00} negative balance at XXXX, as a result of backup funding!!! I tried to turn off the backup funding, but was denied because they said that the could not stop back up funding while a transfer was in place, which seemingly has been for the last three months straight!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I sent money via Paypal ( see below ) to a friend, and after 6 days, that money is not accounted for in their account, my account, or in my paypal balance. 
I have been advised that the balance would show up in my papypal account on Thursday, I have been advised that the balance would be returned to my bank account, and I have been advised that the payment was sent. As you can see, these XXXX options do not match, AND, none of them are true. 
XXXX XXXX 2016 XXXX XXXX Money Sent Loading transaction details for XXXX XXXX Money Sent -negative {$300.00} Repeat this transaction Close Paid with XXXX BANK XXXX XXXX Transaction ID XXXX Sent to XXXX XXXX XXXXXXXXXXXX Details Sent to XXXX XXXX {$300.00} Fee {$0.00} Total {$300.00} See details on classic site

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I was unknowingly signed up for a paypal line of credit in 2005. Paypal was apparently sending invoices to an inactive email address. After I was unknowingly signed up, I was unknowingly caused to use this line of credit during XXXX purchases. I unknowingly accrued interest and late fees until such a time that Paypal sent me a written notice in the mail. When I received the notice in the mail, it was the first time I became aware of the account, the charges and the fees. This must have happened in an underhanded way because I have been a Paypal customer for years and made hundreds of purchases, and never have I authorized or chosen to use anything other than my own credit cards and bank account. I want to join in on the class action lawsuit against Paypal for this illegal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I opened a PayPal credit account last year because I need money quickly and this was the only account that I was able to open at the time. I recently have not able to make my minimum and tried to make an arrangement or close my account or have it sent to collections to protect myself from getting too far in debt, I currently owe XXXX I would rather that go into collection Then be in debt for XXXX dollars and there customer service representative basically told me that they will continue to charge late fees and interest until they see fit to send me to collections. This is taking advantage of me and putting much farther in debt than is necessary and damming my credit much more than necessary and there is no way for me to close the account. The customer service representative from their debt department told me that there was nothing they could do on their end and no alternative options. I 'm at my end with this I have never had this problem from any of my other creditors and I do n't know what to do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-13 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My husband and I have a joint credit card issued by Chase. Over the past several years the card numbers have been repeatedly stolen by thieves who have access to Chase 's data. The numbers are then used to make fake credit cards to purchase things all over the world. We were told this by Chase customer service representatives. Over at most XXXX years this has occurred on eight separate occasions, most recently XX/XX/XXXX. Each time Chase blocks our account ( because of " suspicious activity '' ) and we find out only when a credit card charge is declined which is quite embarrassing. This then requires us to call Chase, go through a lengthy phone interview and identity verification, receive a new card, update all online bank payment information, etc. 
Finally, after the XXXX time, I wrote Chase requesting compensation for this because it is clearly a result of Chase 's lax security - no other bank 's credit cards ever are blocked in my experience. A letter dated XXXX XXXX was sent to Chase regarding this request ( attachment ) but other than several phone calls promising a substantive response and an email from a XXXX XXXX, no substantive response has been. I have made several calls to XXXX XXXX and sent him an email saying that no response has been received. As of today, XXXX XXXX, nothing further is apparently forthcoming.

Company response to consumer: Closed with explanation