vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-26 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
There is an ongoing dispute between myself and Wells Fargo & Company regarding the following:

1.) The failure of Wells Fargo & Company to provide identity theft protection services as advertised in their account contracts; and,
2.) Wells Fargo & Company's violation of consumer protection laws such as the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, as well as their state equivalents.

I am writing to request Wells Fargo & Company provide me with papers, documentation, and instructions on how to resolve this dispute via arbitration. It is my understand that Wells Fargo & Company forbids the use of public and fair jury trials or public courts to resolve these issues and I would like clarification.

Sincerely Yours,
XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
Applied for a loan but lost my job afterwards.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
submitted my retirement check to bank through mobile deposit next day funds were available. XXXX afternoon, funds were put on hold due to orginator returning check ( XXXX ). Called massmutual who said check was fine. Called wellfargo back and did conference call, massmutual could n't find any reason for return. Well fargo placed funds on hold for XXXX days. Started paying bills and now bouncing.

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 monetary relief
Consumer complaint received 2016-09-09 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This is second time I received the same Wells Fargo Visa card which I never asked for. I refused to activate card when I called their number. Representative told me to call customer service and I did. They said the card has been active for four years regardless as its activated. They then said to destroy the card. I want to make sure I was never charged anything. They did say I had a XXXX balance. I never asked for this card. They did say this was some type of rewards card.

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 2015-09-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Incorrectly reported payments and lates. Then wrote the issue off once I paid the loan completely off to avoid further mistakes. Payments were made on time and for more then the monthly required payment. Because payments were made in the branch, they were applied incorrectly and no problem was ever advised to me as the consumer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing to amend complaint XXXX, which I originally sent to the White House, which forwarded the complain to your agency, the CFPB. 
I am writing to amend the complaint as follows : 1. I want a modification of the loan from {$3700.00} per month to {$2600.00} per month. I submitted multiple requests for modification over the past 5 years. These modification requests were under HAMP, or the other modification programs. These were denied improperly. I want a modification. This is a a first time modification. 
2. Truth in Lending Act. I want an investigation of the mortgage under the Truth in Lending Act, since inception. I believe that the loan has problems under the Truth in Lending Act. 
3. Americans with XXXX XXXX. You already have my complaint under the Americans with XXXX XXXX. These XXXX issues compounded my problems under the Modification process, and Truth in Lending Act, above. 
Time is of the essence. I will call and write to add information.

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 2017-03-04 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP
State: SC

Complaint narrative:
On or about XX/XX/XXXX, I called us bank platinum card, and requested a deferred payment, because I was affected by a natural disaster " Hurricane XXXX ''. I was granted a two month deferred payment, my payment is due on the XXXX of each month I was assured that I did not have to make a payment until XX/XX/XXXX. On XX/XX/XXXX I received a call from us bank collection stating that I was two months behind in my payments and they were calling me for a payment I inform the collector of my arrangement with us bank and offered to provide conformations numbers XXXX and XXXX XXXX, the collector said she did not have any idea what I was talking about, and refused to take the conformation numbers. So I informed the collector that I would be making a payment on XX/XX/XXXX. I made a payment of {$520.00} us bank charged me {$260.00} dollars for XX/XX/XXXX and XX/XX/XXXX the did not grant me a deferred payment as agreed to.us bank reported false information to the credit bureau stating that I was 30 days late, and closed my account, without informing me taking $ XXXXdollars worth of credit from me and dropping my credit score XXXX points.

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 2015-10-15 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I owe this company a debt and they have my correct contact information on file, including my direct work extension. Today they contacted a work number that is not listed on my account and disclosed the reason for calling. This put the person answering the phone in a position to be harassed about a debt they do not owe. Calling my job in this manner also constitute personal harassment. I asked the person how they got the number they called and they stated that it was an automatic dial and that they did not dial the number. This should not be possible without some deliberate tactics. My main concern is calling another person who has nothing to do with the debt I owe and harassing them to speak with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: The Regional Adjustment Bureau, Incorporated
State: PA

Complaint narrative:
Keep lying about how much I owe and payments made and how many loans were takin out.

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 2016-01-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Flagstar Bank, N.A.
State: KS

Complaint narrative:
Flagstar bank XXXX continues to show late pay history, i was never on this account and it should be removed from report or updated with no negative pay history

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
XXXX XXXX phoned me about a malicious virus i had on my computer and charged me XXXX dollars to have it removed for a lifetime of any computer problems i might have in the future here is his bill he sent through pay pal. Yesterday i got a call saying the same thing from a diffrent company Go To Assist Company telling me the same thing so i went to my first co. and told them about it and they said there 's nothing they can do about it without charging me an addional XXXXTransaction DetailsPayment Sent ( Unique Transaction ID # XXXX ) Original Transaction Date Type Status Details Amount XXXX XXXX, 2015 Payment To XXXX XXXX Completed ... - {$470.00} USDRelated Transaction Date Type Status Details Amount XXXX XXXX, 2015 Charged XXXX Credit XXXX XXXX {$470.00} USDSent to : XXXX XXXX ( The recipient of this payment is Non-U.S. - Verified ) Email : XXXXXXXXXXXX amount : ( in currency funded ) - {$470.00} USDYour fees : {$0.00} USDYour total charge : - {$470.00} USDPayment amount : - {$470.00} USDXXXX XXXX XXXX fees : - {$20.00} USDXXXX XXXX receives : {$440.00} USDDate : XXXX XXXX, 2015Time:XXXX PDTStatus : CompletedFunds will be available to your recipient on or before : XXXX XXXX, 2015Note : The recipient can send or spend the full amount on this date. If the recipient wishes to withdraw money, limits may apply. 

Subject : You have sent {$470.00} USD to XXXX XXXX with PayPalFunding Type : XXXX XXXX Source : {$470.00} USD - XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
This complaint is regarding PayPal. They continue to email me collecting on a debt. I have only used PayPal once and it was over 3-4 years ago and since then I 've used my credit cards directly to pay for any purchases. PayPal is collecting on a {$130.00} debt that they claim I owe but wants me to provide them my birth date and the last XXXX digits of my SSN before divulging to me what the {$130.00} debt represents. I use only XXXX credit cards to make all major purchases and make it a habit to pay it all off when it is due and do not leave any remaining balances. I know that I did not use Pay Pal for any new purchases since 3-4 years ago. I suspect this is a scam to get access to all my personal accounts. I 've called them and asked them to remove me from their call list. But the emails are continuing. Thank you for your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-02 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
I used Paypal services to transfer money to my son, as I have done in XXXX other occasions. I was fully expecting to have the funds taken out of my bank account ( as Paypal has this information on file ). 
This transaction occurred on XX/XX/XXXX and I erroneously assumed that the transaction went through as before ; but, on XX/XX/XXXX, I received a call from a PayPal representative, stating that I owed them for the original amount processed plus a fine for non-payment. 
Upon further discussion, I learned that the money was not taken out of my account, but rather a PayPal Credit loan was used to proceed with the transaction, this totally unknown to me. I have asked the PayPal Credit representatives for an explanation as to how this happen, all I have learned is that I owe the money, how do I want to pay for it. 
It is very frustrating and most deceiving, I wanted to let someone know, so others are not snarled into this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I used Paypal Inc. to pay a mover who helped me with a heavy couch a month ago. Unfortunately, the mover damaged the couch and we agreed that he would pay me {$300.00} in damages. I, by accident, sent him {$300.00} instead of requesting it on Paypal. I called Paypal and asked them to stop the payment, and they said I could do so by stopping it with my bank. I called my bank and put a stop order which worked. Then 2 weeks later, I received a payment from XXXX from tickets I sold in the amount of {$470.00}. I saw that only XXXX was deposited into my paypal account. Paypal stole {$300.00} from this unrelated transaction to send to this mover, after they told me that it would not go thru as long as I put a hold on my bank account. This mover, I have spoken with him, and he has XXXX dollars held by paypal currently and therefore is in no financial position to pay me back. I also do n't know him and would n't trust that he would pay me back. Please help me resolve this situation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 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:
Between the dates of XX/XX/XXXX and XX/XX/XXXX I used my Paypal account to pay for XXXX XXXX rides. I have used paypal for about 15 years now and know very well. I set it up so that my payments will always come from my PayPal credit account unless I choose to change it. However, XXXX and Paypal have started a partnership. Some how this partship gave Paypal the right to choose which credit card or bank I use to pay for XXXX without any notice which cause my account to overdraft. They do n't seem to care much, but it affects me and a lot of other people. Without notice they decided to take my money from wherever they please and had no remorse for the damage it costs. I never received any letter regarding this changes, and from what the manager told me, they did not both to let anyone know. Had I had any inkling that they are invading our wallets without asking, I would have chose a different credit card, but no information was ever given.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-12 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Paypal has limited my account and would not allow me to access my OWN money for 180 days. All I did was transfer {$800.00} to my other account and they decided to do this to me. I no longer wish to use Paypal and would just like my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: I.C. System, Inc.
State: MO

Complaint narrative:
Me & my fiance were contacted by a collection agency yesterday afternoon, and feel we were treated unprofessional, inappropriate, & the issue was not taken care of. We felt uncomfortable releasing personal information about ourselves over the phone first of all. Second, the case workers were very reluctant to give us information on how or who we can contact in order to resolve the problem. Overall we feel that we could have been treated more professional.

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 2016-07-01 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: IL

Complaint narrative:
I made final payments to my previously owned XXXX XXXX XXXX network account back in XXXX, XXXX and XXXX, XXXX. The account was closed by XX/XX/XXXX/XX/XX/XXXX for I went with a different service. From XX/XX/XXXX until XXXX, XXXX I have made several calls to both entities, as well as had a conference call on several occasions with customer service reps from both XXXX XXXX XXXX and XXXX XXXX. On many occasions, the XXXX representatives informed the XXXX XXXX XXXX reps that their balance is paid in full and no more money is owed to them. XXXX XXXX XXXX would bill for both their service & XXXX service, XXXX required 2 month payments in advance and the due dates were never aligned, which made the billing difficult to understand let alone know who was due when. XXXX XXXX XXXX was paid their final balance, XXXX network informed them they are owed no more money and XXXX XXXX XXXX refuse to take responsibility for their human error in processing my final bill, which was a total of {$100.00}. Since then, my credit score has had fluctuating scores like a " see-saw '' every 2-3 months due to XXXX XXXX XXXX hiring a new collection agency, or collection agencies buying this account from each other, which makes it very difficult to maintain my excellent and hardworking credit score of XXXX. Every time a new collection agency place their collection on my credit report I have to contact the agencies to have it investigated and every, single time it is removed or deleted. I feel I am being harassed by these several collection agencies and XXXX XXXX XXXX to collect a debt that has already been paid in full.

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 2016-10-16 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Paypal withdraw {$410.00} in XXXX XXXX 2016 to pay for a computer that have purchase in Ebay but here is the problem ... computer was bad so i return the computer back to the seller so the seller suppose to send me a refund but intead the seller send the computer back to me again but i do n't want it so i send it back to the seller the second time for a refund ... now the seller got the computer back again but this time the seller have my money and my computer and i have nothing ... so i complaint to PayPal and they told me that there is nothing they can do about it ... so i losing {$410.00} plus the computer ... paypal is the only one that have access to the seller account and can get my money back ... in another word the took the money from me and the have to put it back in my account ... ( note : Paypal have the tracking number of proof seller receiving the computer back )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
About a month ago, I received a letter from PayPal stating that someone attempted to open up an account in my name, When I called to speak to someone at PayPal, they stated that someone attempted to open a XXXX account in my name, applied for a PayPal line of credit ( I already have one ), and they turned it down because they could not authenticate my identity. Specifically, I have credit freezes on my bureaus which does n't allow for an underwriter to open a line of credit in a consumer 's name. After talking to several representatives, they stated they would close the fraudulent account opened in my name and flagged the PayPal credit application as identity theft. 

A few weeks later, I attempted to make a purchase on my PayPal line of credit through eBay, a purchase of about {$100.00}. They denied the purchase which confused me. A few days later, I received a letter in the mail stating they needed to authenticate my identity. So I called them, verified all the needed information, and the representative stated I would receive a letter in the mail in a few days regarding the account. During the conversation, I told him this account had nothing to do with the other account that someone had attempted to open in my name, and I was confused as to why I was being put through this process again. When I received the letter, they stated they closed the account due to fraudulent activity which is bogus. No fraudulent activity has ever occurred on this account ; rather, it was only on the XXXX account someone else attempted to open in my name. Moreover, I believe PayPal really closed the account because I had also reported them for improper billing, specifically charging me more on eBay purchases than what was advertised. They have stated they were shipping charges, but this is incorrect and a blatant lie. I have records from eBay showing there were no shipping charges on these purchases. eBay always itemizes shipping charges when the seller charges for them. 

Because it is impossible to get account resolution through PayPal 's customer service, I contacted the company through XXXX 's social media messaging about the ongoing problems. I told the representative, XXXX, how dissatisfied I was with PayPal and that I was considering reporting the company to the Attorney General 's office, the Consumer Financial Protection Bureau, and the XXXX. I also stated I would not use my PayPal account in the future, even though only the line of credit had been closed, because I was so dissatisfied with their service. XXXX 's response was flippant ; he advised me to go ahead and report them, an extremely poor response to a major customer service issue. I have made a screen print of his response for the XXXX ' records. 

Besides your organization, I have also reported this to the XXXX, the Attorney General of XXXX, the Attorney General of XXXX, and the FTC. Please contact me if you have any additional questions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-01 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Google Compare Credit Cards Inc.
State: GA

Complaint narrative:
I sent funds to a relative phone number via Google Wallet, and it did n't go through, I shortly received a message from Google Wallet indicating that " that they canceled the transaction because of unusual account activity. {$300.00} has been refunded to your XXXX. It may take a few days for the refund to show up on your account transaction history. '' however, after several inquiries to Google Wallet, I have not had the funds returned to my account ( Please see contact records ).

Company response to consumer: Closed with explanation