vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-07 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XXXX/XXXX/15, I accepted an invitation on an interstitial screen of my paypal account to apply for paypal credit, dba billmelater.com. I completed the online application quickly and the next screen said I would have an instantaneous decision. I was rejected for credit w/no explanation. 

I have a FICO score of XXXX and am a person of wealth. I found the company 's credit decision shocking. I phoned their call center and was told I would receive an e-mail explaining why I was rejected and that it would be send to the e-mail address on file for my paypal acct. 

I have never recd an communication from this company about this or anything else. 

This violates Federal banking and credit laws. If my credit has been compromised or damaged as a result, I need to file charges against paypal credit, but I can not do so w/out a full explanation of their decision. 

If this has happened to me, I have to conclude it has happened to many others. You need to investigate them

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I made a purchase through XXXX and used paypal as the financing source since they were offering a special promotional offer, that required a specific dollar amount to secure the special financing offer. In order to meet the requirements there were a few items from different sellers. However upon looking on my checking account this morning, Paypal transfered XXXX of the sellers invoices to a " back-up '' funding source. Thus disqualifying me from the promotional offer and then erroneously debiting my checking account, without my permission. This is a gross display of negligence and bait and switch. They never ever notified me that they would be utilizing the back-up source or that the order would no longer qualify for the promotional offer. I attempted to call Paypal and they told me there was nothing they could do as it was already in process, thus leaving me without the funds in my checking account and subject to potential overdraft fee. What I would like to happen is what I told them on the phone. Reverse the charge to my debit card and place all the transactions under the 12 months promotion like I had agree'ed to at time of purchaser, or them eat the {$100.00} charge and credit my debit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-17 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: AZ

Complaint narrative:
This is a complaint from XXXX XXXX against IC Systems for IC Systems 's failure to provide requested information for the debt alleged. As of XX/XX/2017, IC Systems has been reporting an open credit account for the XXXX. On XX/XX/2017, consumer ( through XXXX ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been 30 days since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

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 2015-06-04 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Paypal credit advertises a scheme where no payments need to be made for 6 months. However, interest charges are accrued over that period and charged if a complete payment is not made at the end of 6 months. Due to this scheme I just missed XXXX payment but was charged the full deferred interest for 6 months XXXX like missing XXXX payments XXXX. I believe there should be sufficient information about the interest that will be charged XXXX dollar amount ) in such a last statement should a payment be missed. Basically, I was charged this fee just for missing to read XXXX email. It would also bode well for credit companies to make some exceptions on the fees when a genuine mistake was made in making a payment. Consumers would gladly pay interest/fees where it 's clearly agreed upon. 

I believe the company is preying on consumers by giving them a " free pass '' for 6 months only to charge them the whole fee hoping they miss XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 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: I.C. System, Inc.
State: TX

Complaint narrative:
A sprint account in my name was submitted to IC Systems for collection. IC System contacted me and I initially made a payment agreement XXXX to avoid credit bureau reporting. Upon further investigation, IC System continuously tacked on charges each month with zero explanation. My principal balance would increase by $ XXXX {$40.00} each month after I made a {$100.00} payment. I disputed this balance with IC System due to their misleading representation of the actual debt amount, ( Fair Debt Collection Practices Act, Section 807, False and Misleading Representations ) and also the misleading information representatives at IC System would provide me with. Rep 's for IC would tell me to contact XXXX, while XXXX would tell me to contact IC System, and when I requested a detailed final bill of all my charges, IC System requested XXXX send me records of my phone calls for all XXXX lines on my account instead of charges breakdown like I asked. XXXX nor IC System returned my request for validation of the debt, and instead, referred it to a third party collection agency. Every action taken by IC System was in violation of the Fair Debt Collection Practices Act, Section 807, False and Misleading Representations.

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 2016-05-11 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
There is a XXXX hard inquiry credit check on my credit history pulled XXXX XXXX, 2015. I understand this is associated with Paypal, and I never authorized this or requested a service beyond having a Paypal account through my e-bay transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I purchased a Chanel Purse for my daughter on XXXX/XXXX/16 for the amount of {$470.00}. On XXXX/XXXX/16 I contacted E-Bay and Pay Pal to notify them that the purse was a replica, my instructions from Pay Pal was to ship it back to the seller because I could not understand the hand written address from the seller. Pay Pal emailed me the sellers address to the email I had at the time. I changed my email on XXXX/XXXX/16 and they failed to confirm the address with me so it appeared i missed 10 day grace period deadline. I mentioned to XXXX that I was not able to provide the tracking number for the shipping because USPS does not provide one. On XXXX/XXXX/16 i was not aware the appeal was denied until I had shipped the purse to the seller to XXXX. It was returned by the seller who refused to accept it. We received the purse on XX/XX/2016.We called our bank and they refused to help us because we missed the 60 day grace period. On XXXX/XXXX/16 I spoke to XXXX ( Manager Dispute Dept. ) where he finalized his decision not to reimburse me due to lack of communication and not meeting the deadline ( I feel l that we would have not missed the deadlines had they sent the to my correct email address ) so he closed the case. I explained to XXXX that i am short {$470.00} plus shipping. I was not told that i had a deadline until i received the email at my correct email which had been too late. 
( Shipping was {$58.00} which I was credited only {$20.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
THERE IS A INQUIRE N MY CREDIT REPORT FROM XXXX/BILL ME LATER THAT I DIDNT MAKE. I HAVE WROTE LETTERS TO XXXX/BILL ME LATER AND THEY HAVE FAILED TO RESPOND TO ANY OF MY REQUESTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-09 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal extended me a line of online credit without permission and put out an inquiry into my credit history, resulting in a lowered credit score. At no time did I give PayPal permission to extend me credit or to run an inquiry into my credit history. I believe this to be fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Google Compare Credit Cards Inc.
State: CT

Complaint narrative:
I was charged an overdraft fee in the amount of XXXX from Google Wallet, they took XXXX dollars out of my account on XX/XX/XXXX. Please note, this transfer was canceled the day before on XX/XX/XXXX, I was assured funds would not be withdrawn. My bank, XXXX XXXX will not refund the fee as it is not their error. Please advise Google Wallet they need to refund the fee. My email address listed on my account is XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
Is sold an item on Ebay and Paypal charged me a XXXX percent fee but I called customer service and they told me that Paypal does not charge a fee for items sold on Ebay. Ive been a loyal customer with Paypal for over XXXX years and will like if the please have the courtesy of resolving this issue by refunding he XXXX dollars charged fee or I will be selling my items on XXXX again and use XXXX payments and XXXX wallets instead of Paypal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-08 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hi, I have a PayPal account which was recently closed with {$25000.00} still in it. PayPal closed the account without prior notice and are refusing to let me withdraw these funds for 6 months. I have to pay for stock that 's already been delivered to my customers. I 've provided tracking numbers to show PayPal that the items are delivered and the consumers are happy. Despite this, they still say it 's too risky to let me have my money and they 're going to keep it. I 've raised XXXX complaints with the executive office in Paypal. They reviewed the case and said they 'd not be releasing the money. I 've spoken to at least XXXX representatives who all say the same thing after reading the notes left on the account by previous employees. They 'll not give me a clear answer on the reason it was closed. They only say it 's " risk management ''. If I want more information, they said I 'd need to subpoena it. I have to pay for stock with money I do n't have. Their actions are putting me under massive financial struggle, as I 've no way to pay off the credit cards which had to be used. Over the next 6 months, they 'll directly benefit from ceasing my money, as they can reinvest it and earn interest. I 've had to close my store and cease trading as I ca n't buy any more stock.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
PayPal signed me up for a loan when I thought I was paying for some goods with my checking account. I did not want to open a credit account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: Army and Air Force Exchange Service
State: AP

Complaint narrative:
Since XXXX XXXX, I have made payments to the Military star Card on time. Each time I made a move, I changed my address. In XXXX XXXX, I moved from XXXX to XXXX XXXX and I was receiving statements at my new address. Around XXXX XXXX I realized I was not receiving any statements from the Military Star card and so I decided to call the company and ask them why. I was told by the lady on the phone that they were sending my statements to my XXXX address even though I had been living in XXXX for over a year and a half. The lady said my statements were once again going to my XXXX address and she did not know why. I then changed that address again with her over the phone. She also informed me that I had a payment of {$44.00} due so I immediately paid it off with her over the phone. I have been receiving my statements at my XXXX address ever since. 
When I pulled a credit report recently, it showed that I have a 30 day and 60 day late payment with the Military Star card for a time period where my statements were going to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Army and Air Force Exchange Service
State: NC

Complaint narrative:
The Army Air Force Exchange is in accurate penalties that I do not owe. I have been threatened by taking my XXXX away. This action will cause me to become homeless as a veteran an financial hardship. I request actions be stopped

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 2016-07-06 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Central Portfolio Control Inc.
State: AL

Complaint narrative:
I have stopped automatic debiting of our checking account due to the changes in my household financially. I called them to let them know that I will be closing my current checking account and opening another and would let them know when i could resume my payments on my {$330.00} XXXX XXXX XXXX card. I called them in XXXX and since then they have called me 3 times. Very rude, threatening me, I have even told them the situation and they keep saying they were going to make a noteof it, but apparently they do not make a note since they keep calling me! I have every intention on paying off this debt but it will be a few months before I can because we are behind on some bills due to the transition of my husbands XXXX. This is not the first time I have had calls like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
Over the past few months I have been requesting validation on multiple occasions for a debt that is listed on my credit report. I have bee requesting evidence that bears my signature that shows that I have a contractual obligation to pay Military Star. I have not received anything that I requested and it is still listed on my credit report from all XXXX of the Credit Reporting Agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: ROYAL UNITED MORTGAGE LLC
State: TX

Complaint narrative:
Royal United Mortgage contacted me ( by phone ) and we discussed a Re-fi with cash out on a home that is in my name, but my son lives there and make the pymts. I explained I wanted his name along with mine on the new mortgage, so I was told 'no problem ' .After taking my personal info. and asked to forward my income tax for 2 yrs., I can no longer make contact with XXXX , assit.AVP of Lending XXXX w/Royal United Mortg . Does not return calls, plus I have found that it is not even possible for that type of loan to be done in Texas. So I am not sure what damage I have endured as yet, I know she has a lot of my personal info.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Financial Credit Service, Inc.
State: IA

Complaint narrative:
The Asset Recovery Associates is trying to claim a debit of {$3.00} they claimed I open with a XXXX in the state of Virginia in XX/XX/XXXX. I explained to this company that was in XXXX at that time and have been there until XXXX XXXX XXXX when I return to the XXXX. In XX/XX/XXXX I did make a police report in XXXX for possible identity theft. I also will be filling another one. I contacted this company, which has been brought by XXXX and they related there was not outstanding account with them with my name or SSN. I sent this company a cease and desist letter to stop threatening and harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
back in XXXX we were not aware of a credit card open in a frauduent name husband name for aspire credit card, we found out in XXXX when my XXXX husband was notified in mail by a summons for a judgement of XXXX then I started to let them know that it was not ours and we had no knowledge of any credit card. I received no response from midland funding debt collector. I called and they would not listen. in XXXX we get another summons by them but noticed it was taken out of collections so we had not idea it was in public record for XXXX we proceeded to try to settle with them but they wanted XXXX I offered XXXX then I offered XXXX but they wont settle, they know my husband is XXXX years old and XXXX and XXXX but midland funding just keeps sending summons in our mail box and I keep writing to them stating we are willing to pay for just to get it off but at this point I do n't want to pay I want to take them to court to get this off and tell our side of the situation. they are rude and lie and say they will draw up a contract of payment so I can review it and move forward, so I have disputed it with the XXXX and XXXX to vacate the public record and get it off we are still awaiting, midland funding is a 3 rd party debt collector being sued by a class action law suit I would like to see justice done with them. 
thank you. attached are letters I tried to offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Trident Asset Management, L.L.C.
State: DE

Complaint narrative:
I have been continuously disputing an account with Trident asset management and XXXX credit bureau. Both parties have failed to provide proof of debt other than replying with my name and address which is obtainable via the public. Tridents set management have not replied to two letters I sent them which violates the law. Both the collection agency " trident asset management '' and XXXX credit bureau has caused me XXXX with the back and forth about this account that they have failed to prove is mines for the past 6 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Lincoln Educational Services Corporation
State: MA

Complaint narrative:
Lincoln Tech promised me of getting a job after graduating in XXXX and it never happened. They did n't teach me the proper material and were very unprofessional and condescending. They left me with {$9000.00} in debt with student loans paying with interest on top of it. They did n't teach me the proper material to work in the XXXX field and rushed through most of the material in class we needed to learn for our XXXX field. Alot of students their didnt know the basic material by the time we graduated and alot of people dropped out of school while we were there. They put us in the worst internship environment that we could n't work at cause we did n't know the proper material to work there. Please have the courtesy of resolving this issue by waiving or reducing our student loans there for wasting our 2 years and tax payer money we gad to waste there

Company response to consumer: Closed with explanation