vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-11 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On a PayPal checkout they signed me up for PayPal credit without my approval. I never saw an option or wanted their credit card. They are refusing to work with me and forward me to some collection agency. 
see : XXXX for prior issues

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

Complaint narrative:
I have had a paypal account in good standing linked to an ebay account in good standing for over 10 years. I sell on ebay, this is my living. I 'm a single mom of XXXX, and this is my sole income. Today, like every day before, I transferred funds, {$5200.00}, from my paypal account to another account in preparation to deposit into our business bank account. Every day I do this. However, until this weekend, I 've only had to transfer amounts up to {$2000.00} at once. I DO NOT KNOW that this is what created the issue. Today I transferred the {$5200.00} and it instantly became on " Paypal Hold ''. It did not show up in the receiving account nor was it available there for cancellation and it did n't show up in my paypal sending account so it could be canceled or available. Upon contacting Paypal, I was told that I needed to talk to their COMPLIANCE department and I was refused a contact number to get in touch with said department. I was also refused a reason as to why my funds were held. After repeated attempts to get information, I will still denied a way to contact the " right department '' within paypal and I was denied a reason for the funds being held. There has to be some protection for consumers. This is my money, its all the money I have, without it, I have {$12.00} in my bank account to care for me and my XXXX children. Why do we grow dependent on a banking or money transfer system for over 10 years and not feel comfort knowing our money is safe there? As I did, and now, instead, I am not able to access this money nor get information in regards to how to get my money back. 

The paypal account email address is XXXX. XXXX, XXXX, # XXXX. 

PLEASE help me with this. It does n't seem legal that they can seize our funds without cause and without any information. 



All of the below apply Money not available when promised Incorrect/missing disclosure or info Unauthorized cancellation Fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10 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: NY

Complaint narrative:
I C System has been reporting that I have an outstanding debt from XXXX XXXX, but I have never had a XXXX account in my name. This has been effecting my credit since XXXX. I looked them up online and have seen countless reports about false reporting and predatory practices.

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 2016-12-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: LA

Complaint narrative:
I was recently effected by the flooding in XXXX, LA. I have mortgage against the property, I have been out of my house for 3 months now and I have yet to receive any payments from my mortgage from the claim loss to finish the repairs. I have put all of the monies so far to complete repairs. When I call them to get answers I can never any person that is willing to bring it up to a high level to resolve my issue or even consider the pain and suffering my wife and I are going through.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
Paypal Credit charged me {$6.00} in 2014 and I just got a letter from a collection agency for a bill of {$61.00}. I had never applied for Pay pal credit. I called Paypal and they could not even provide me with the information that I did use the service. They said I probably hit the wrong button by mistake.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-22 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
I was making an online purchase with paypay. I am an experienced online shopper and proficient in computer systems and the internet. I did n't think I could be so easily fooled. I was trying to pay with the credit card I have on file and use for online purchases. Before I knew it I was being given paypal credit. I did not want paypal credit! I do not want any more credit! I do not want anything to affect my credit rating and do not want any searches of my credit history that could affect my rating. I have been diligent in my credit and do not appreciate the deceptive practices from a company that I have trusted before. Please advise how to correct this with paypal credit and my credit rating. I am not sure of exact date. It was last week sometime. I have been trying to figure out what to do and finally came upon this website. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-09 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: TX

Complaint narrative:
XXXX/XXXX/2016, I 've sent a dispute to IC System regarding an XXXX account XXXX that has been paid. The agent name XXXX XXXX told me to send the letter and they will forward it onto XXXX to resolve this account I have been disputing for years. On XXXX/XXXX/2016, I called IC System at XXXX to get an update of my account, but the rep transferred me to an XXXX account receivable rep. name XXXX. XXXX asked for my name, account number, social security number, and address. XXXX with XXXX stated she do not show that I owe anything with XXXX for a u-verse account. I asked her please help me with IC system because they keep telling me that they are collecting these funds on behalf of XXXX. This has been a constant battle and I feel it is unfair for them to report on an account that has been paid and resolved. 

On XXXX/XXXX/2016, I asked the gentlemen at IC System to provide the XXXX Dept. name and XXXX phone number that is consistently reporting this XXXX Account balance of {$270.00}. The rep at IC System stated that he can not provide the name and number ; they only contact with XXXX is by me sent a dispute letter to forward to XXXX. I have sent a letter of dispute on many occasion, but it does not seem like IC System is forwarding the information to XXXX to resolve my account. Here I go again with the same run around by IC System ; IC System has not provided proof they have contacted ATT to delete the account that has been paid and resolved.

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 2016-07-10 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Account Management Services, Inc.
State: CA

Complaint narrative:
I received a bill from from a collection agency Account Management Services and disputed the validity of the debt, so I sent a certified letter of my dispute to these charges on XXXX/XXXX/2016 but never got a response from the company however XXXX/XXXX/2016 I got a alert from XXXX letting me know that Account Management Services had added a collection account to my credit report which severely negatively impacted my credit report. I do have proof of certified letter disputing these charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-28 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 deposited a personal check for {$3000.00} into my Flagstar Bank account on Monday. My brother wrote me a personal check to help me with my XXXX bills and help pay XXXX. I have fallen on hard times and he offered to help. I expected a 3 day hold on the check, which would be okayXXXX. However, Flagstar bank not only placed a 3 day hold on the check, but turned around after the three days and placed anther 7 day hold on the check for loss prevention. This is a local check and both my husband and myself have direct deposits of our payroll checks being deposited into this same account. Our payroll checks are more than the {$3000.00} personal check.This 7 day hold caused me to go XXXX for 7 or more days XXXX. This is unreal and uncaring. The whole purpose for my brother giving me this money was to prevent this from happening. They are heartless and cold to do this to any human being.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
My google wallet / payment account was blocked. 
The company claims I have violated their terms of service. I have read them, and believe did not violate any of these terms. All I did was use Google wallet to transfer funds to my husband, which is well within the scope of what the service allows. 
Furthermore, the company refuses to explain which terms I violated and how. 
As a result, I 'm no longer able to send or receive any funds through Google wallet, make any purchases through Google of apps for my smartphone, groceries through Google express, or checkout through any merchant that uses google payments. I believe the closing of my payment account is unfair and at the very minimum, a more detailed explanation should be provided, so that I could appeal Google 's decision if their facts are incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LENDER LIVE
State: CT

Complaint narrative:
The mortgage company does n't pay homeowner 's insurance. 
I received a letter from my insurance company letting me know that almost 2 weeks after the due date the homeowner 's insurance has not been paid by the mortgage company. The money is in the escrow account! I first called the mortgage company XXXX. They said they never received a bill. I then e-mailed them the letter of the insurance company in which they were letting me know that we have 1 additional month to pay the premium otherwise the homeowner 's insurance will be cancelled XXXX at midnight. I was told they will take care of it right away. I called the insurance company XXXX to check if the payment was made. It was n't! So on XXXX I called the insurance company again to check but still no payment! I called the mortgage company. First I was on hold for about 15 minutes, when XXXX came back I told him I am recording this call. He said fine and disappeared for another 20 minutes. Then I was told that the bill was still not paid but they will pay it that day. I asked how they will pay it and he told me via automated bank draft. When I asked for a confirmation he said he could n't give me one. He also mentioned that he " went above and beyond '' to help me. I thought it was their job to pay my insurance on time since they are collecting the money from me. 
Because I was n't able to get a confirmation for the payment I asked to speak to his supervisor. I was transferred and the supervisor told me that they will send a check today. So I again asked for a check number or some confirmation. He said he ca n't give me XXXX now but promised to call me as soon as he had one that day. He called around XXXX and told me that they attempted to pay over the phone but the insurance company did n't accept their payment via phone. So it 's not their fault that the bill was n't paid. 
Our insurance company gave us another 30 day extension. I hope by then the mortgage company will find a possibility to pay.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My paypal account was closed and I am still waiting to receive my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A.
State: MD

Complaint narrative:
In XX/XX/XXXX and as of today Flagstar Bank holds my mortgage. In XX/XX/XXXX Flagstar Bank placed my property into foreclosure after making my timely payments under their loan modification ( see attachment ) and referred the matter to their Attorney 's " XXXX, XXXX, XXXX XXXX XXXX ''. In fear of losing my property I hired " XXXX XXXX XXXX XXXX '' to whom I paid over {$5000.00} in fees, only to learn from their website they was doing foreclosures for Flagstar Bank. I brought this to their attention and they quickly removed it. To no avail with " XXXX XXXX XXXX XXXX '' and Flagstar Bank charging me outrageous fees and I feel deliberately holding back, I was forced to use my retirement funds to pay Flagstar Bank Attorneys {$31000.00}. Due to illness and XXXX I fell back in XX/XX/XXXX only to go through Flagstar same actions. I paid the rears as per their Attorney 's " XXXX, XXXX XXXX XXXX '' and now Flagstar is stating they are not accepting the funds and I need to contact their Attorneys to find out why. The same I had hire an attorney for this matter just find out the status of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
It was on XX/XX/XXXX That we suddenly see few returns from PayPal. Returns belong to one of our old customers that we know him well. This customer was buying from me from XX/XX/XXXX and during these years he bought over XXXX dollar from us. I text the guy that what happened why you start asking your money back? I was angry. He said he have no knowledge of that. He checked his account and saw PayPal block his account and from us returned {$3600.00}. He just returned from travel and he was shocked of what happened. 
I and he called PayPal for reason they said they have future activated in all business account name friend and family and they said he send money from that future and he did n't use conventional way. I told PayPal the guy just come back from long trip and most likely his associate did this out of lack of knowledge.interecting is this future in business account is illegal and since our business account is connected to our business banking having this future is kind of promoting money laundering. I told that to PayPal that our business banking not suppose to have this future from first place and if PayPal is bounded to government must know that you cant connect our business banking to personal purchase and if IRS find out they will penalize XXXX but they said this is fine. I told them I want to close this future permanently they said you cant but we can do from our side and after few days on phone back and forth they did. Hopefully for us not for many many many other account that they have. I ask them what happened to my money they said we will return to his account and he have to return it to you. I told them you block his account and currently he find better business and is not in this business any more. Only respond I heard was nothing, These people using illegal futures to still money, we sold the merchandise to customer and we thought we receiving correct money but we find out its not, you might ask you can see this comes from friend and family that 's your fault to accept my answer is you can come and check all out print out from PayPal it do not say any thing that how this money got here. Some thing rotten going on in PayPal and they start stealing money appreciate you look into it and publish it maybe some other poor customers like me get to gather and do class action maybe they could return their lost money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
This guy I found online on XXXX I found a gaming account I would like to buy, so I messaged him and asked him I would like to buy the account from him. He told me to send {$200.00} via PayPal as friends and family personal payment. After he received the money, he constantly told to wait. But since yesterday he blocked my number and on XXXX. He now took {$200.00} of my PayPal money and I have no way of contacting to give me my money back. The transaction occurred on XX/XX/XXXX and XX/XX/2016. The payment was separate for {$100.00} and {$99.00} I had to pay {$1.00} fee for sending. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-14 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
PayPal Calks numerous times a day every day, even after stating amount due will be paid in full, before end of month. Never leaves messages either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-14 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
I do n't know how but PayPal said I opened a credit card with them and that I charged {$100.00} to a " XXXX XXXX '' in XXXX 2014. I do n't know any person and do n't think I made this purchase. After XXXX months they started charging me a late fee. I paid it off just to get them to close the account. Apparently it was some sort of deal where you got XXXX months of no interest and I reached that and started getting late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I have been a customer of the Paypal credit ( previously Bill Me Later ) for some time now. While reviewing the CFPB website I saw a determination of some practices that I believe I was a victim of. 

Abusively charged consumers deferred interest : The ability to repay the items that were being deferred was not easily apparent, and as such caused undue fees to be applied instead of paying items that cause additional interest. 

Made consumers use PayPal Credit for purchases instead of their preferred payment method : Merchant websites utilize whatever payment option is chosen with paypal, and the payment is not easily apparent. Multiple times I have payed for items that have used the default " paypal credit ( bill me later ). At the time I did n't realize this was something to watch out for but after reading the article there are more than a few items that I would have rather payed for up front for that I was n't clear I had the option for that are now costing me in interest. 

Please review my account and case because I feel this falls directly in line with the determination made by the CFPB in XXXX of 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
Paypal allowed a XXXX dollar withdrawal from my paypal account. They have closed the case but did not return my money. It is a withdrawel from XXXX I do not know this person, I did not send any money to him.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: I.C. System, Inc.
State: PA

Complaint narrative:
some XXXX use my in formation to get a phone with XXXX it was not me .and now they are calling me at my home and work place

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Describe what happened so we can understand the issue ... 
On Friday XXXX XXXX approximately XXXX pst I attempted to send money to a friend of mine via PayPal. After sending {$270.00} to him he sent me a text saying he still had n't gotten it. I immediately pulled up my log and noticed that the name that I sent it to was not his, very close but not him. Turns out that the email he accidentally gave me was XXXXXXXXXXXX when it SHOULD have been XXXXXXXXXXXX, just one letter difference : (. I immediately contacted Paypal at XXXX pst ( 7 min from transaction ) and asked for their assistance. I got transferred around and after 24 min on the phone with them, they advised me that there was nothing they were willing to do but send an email to the guy asking to refund the money ( which they never did ) I could n't believe that they were so unwilling to assist me in this matter, even though it says on their site " Need to cancel? 
You can cancel your payment within 30 minutes as long as the recipient has n't received the payment. For a full refund, see the transaction details and select Cancel, or call Customer Service at XXXX. '' I did all of this and yet they were very unwilling to do anything. Please help, how can this be good business practice in anyway, I know the amount may not see much to them but to me it 's a lot! Just an FYI my friend that I was trying to send money to is domestic, but it appears where it went is international. 

Thanks!

Company response to consumer: Closed with monetary relief