vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Credit Service, Inc.
State: MD

Complaint narrative:
I have been receiving harassing and repeated telephone calls from an Asset Recovery Associates. However, they are calling using a spoofed name. On caller id it shows as " FCR '' and the telephone number as XXXX XXXX XXXX XXXX. After conducting an internet search I found the number associated with an Asset Recovery Associates an alleged debt collection firm located in XXXX XXXX, IL. Despite repeated and harassing telephone calls and usage of spoofed caller id information I have yet to receive written communication regarding this alleged debt per the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 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: S.B.S. Trust Deed Network
State: CA

Complaint narrative:
I had a Special Assessment from my HOA. I paid the assessment late but in full to the property management company before I was contacted by a debt collection agency. 

Debt Collection company has charged me fees and threatened me with a lien against my property. 

Collection activity should be remove from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 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: TN

Complaint narrative:
This was an account with XXXX high speed internet.I ended the service because of poor service with there internet speed. I was told that I did n't owe any money to end this account by XXXX billing services.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: I.C. System, Inc.
State: OH

Complaint narrative:
I terminated my account with XXXX XXXX XXXX. At that time XXXX said that my residual balance for a partial month 's service would be billed and paid using my already existing electronic bill payment service. The amount due was {$23.00} was paid via this service on XXXX/XXXX/16. On XXXX/XXXX/16 I received a collection letter via USMail from IC Systems, threatening to take legal action on this amount. I attempted to contact them online and was informed that I should call! XXXX. I called this number repeatedly, and was never able to get through. This account was never late!

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 2017-02-02 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
Was scammed when buying tickets over the internet. Person used the phone number XXXX to communicate and also the email address : XXXXXXXXXXXX. Transferred {$3000.00} via paypal. Tickets did not arrive.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
On XXXX XXXX, 2015 my Paypal account was charged {$29.00} by a company called XXXX. I have spoken to both XXXX and Paypal concerning the charges. After neither XXXX or Paypal could tell me exactly what the charges were for, I reported the items as fraud to Paypal. I received a letter today from Paypal claiming the charges are legitimate -- So I called them again and they are still unable to verify exactly what it is that I have been charged for. Thus, I think there " debt '' collection practices deserve a little scrutiny. Charging people for unknown items they clearly did not receive would appear to be an illegal practice. Any assistance you can provide would be greatly appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-21 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I received an email from PayPal on XXXX XXXX saying I owed money for PayPal Credit. I do not remember using PayPal credit. There was both a {$25.00} late fee and {$6.00} interest. I checked my emails and I did not receive a statement in XXXX which the representative said probably did not happen. I would have paid my bill then. He did waive the {$25.00} but said that the PayPal process could not refund the {$6.00}. Yesterday I read that CFPB Takes Action Against PayPal for exactly my problem. I believe I designated that my credit card be charged for the transaction and did not mean to use PayPal credit. How can I join this action for a refund?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc.
State: MI

Complaint narrative:
I received a letter from IC System a debt collector. I called the company, XXXX., spoke with XXXX in billing and she discovered they had left the A off on the end of my Medicare card, so she said she would rebill Medicare. A couple of months later I noticed that the debt still was not paid so I called again ( XXXX XXXX XXXX, spoke with XXXX, at that time she said she would rebill Medicare again. Then I received an EOB from Medicare stating that I would be billed XXXX. 
Then about a week and a half later I again received a bill from the collection agency at that time I tried to call XXXX XXXX unscccesfully, the line was always busy. I called some agencys, XXXX XXXX and XXXX XXXX. 
I am going to try to attach some info to help you to understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I opened up a business with paypal. They locked my account and made me send verification about my business. I followed through on this and now they cancelled my account and wo n't give me my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-13 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I found out Pay Pal Credit ; or XXXX/PPC as it shows up on my hard hit credit inquiry, has done an unauthorized hard hit credit check on my credit report. When I contacted them they stated it was done for an online credit account on XXXX XXXX, 2015. I never authorized this nor have I applied for any such credit. After searching out information on the internet I discovered XXXX reports by others for this exact same problem. Also my spouse and I discovered he had the same inquiry done on his credit report XXXX XXXX, 2015. He never applied for nor authorized such a line of credit either. Both of these hard hits showing through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I have a Paypal account, reluctantly, because it is necessary to have a Paypal account to sell an item on eBay. I filed a previous complaint about this Paypal account with the CFPB because Paypal would not mail a check to me with the account balance. To retrieve my money from my Paypal account I created a special purpose bank account and linked it to the Paypal account. I was able transfer the balance of my Paypal account to my bank and withdraw the money. I sold another item on XXXX XXXX and the buyer paid for the item + the shipping by Paypal. When I printed the mailing label thru eBay, Paypal tried to debit the linked bank account {$2.00} for the shipping, even though the buyer had deposited funds for shipping in my Paypal account. I also had a credit card on file with Paypal. When I linked my bank account to Paypal I did so only to receive the funds from my Paypal account. I did not knowingly authorize Paypal to withdraw funds from my bank account and I would never do so. Paypal 's attempt to withdraw the shipping my my bank account was an unauthorized wire transfer transaction. Because there were no funds in the bank account linked to Paypal ( on purpose because I do not trust Paypal or the Paypal security ), my bank denied the debit and charged me {$32.00} for insufficient funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Victim of the PayPal credit scam. Found the evidence on my credit report as an inquiry. I had no intent of applying for credit and due to certain obscuring tactics, PayPal initiated a credit inquiry without my consent or digital signature. My credit report shows I have no credit score because I stopped using credit 5 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I utilized PayPal as a money transfer service to send/receive money with my fiance for rent, utilities, and other bills. In addition, my PayPal account was linked to my eBay account for purchasing/selling products. PayPal is currently holding {$1400.00} of my funds without just cause for " up to 180 days. '' I have contacted PayPal representatives on numerous occasions to request evidence of any violations of PayPal User Agreement, but have never received a response.

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 2015-09-01 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Received a call from a person representing PayPal Credit. Was immediately attacked by the representative about the number of voicemails they have left on my phone, at which time I notified her that was impossible as my phone does not have voicemail set up. Which she then acknowledgeed that I was correct. She continued to explain that payment has not been made for XXXX or something to that affect and at XXXX today they would be taking legal action, if I did not make a payment " right now. '' I informed her that my wife handles the account, at which poinnt she stated rather aggressively, " WELL IT DOESN '' T APPEAR ANYONE IS HANDLING THE ACCOUNT! '' I told her if she continued to talk to me in this fashion I would be hanging up, at which point she appeared to be gearing up for another round of attack and I hung up on her. This all occurred at about XXXX on XXXX.

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
State: AZ

Complaint narrative:
XXXX XXXX sent me money via PayPal. We both have accounts. She sent it using my cell phone which is listed on my PayPal account. I got a text message from PayPal saying click here to redeem your money. When I click I am prompted to log in. But when I log in, the money is nowhere to be seen. I have tried several times over several days to no avail. I have contacted PayPal twice via email and they do not respond, forcing me to file this complaint as my only remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: NC

Complaint narrative:
I was working with a mortgage loan officer and he kept promising me the moon and stars only to come back later and tell me that he could n't deliver. He then kept sending me documents with certain amounts that I would be responsible for at closing only to turn around and tell me in an email that I would be expected to bring an extra {$2000.00} to closing and when I sent him a copy of the document that he had me to sign, he acted like he did n't know what it was. Then when I had finally had enough of the back and forth from him and his empty promises, I went to a different lender and because the loan is FHA, they had me to sign a form stating that I wanted them to release the case number to the new lender. That is when he emailed me copies of a float down agreement that I signed, the first XXXX was for USDA signed on XXXX XXXX, 2016 that stated that if did not close a loan with their company that I would be charged a fee of {$970.00}. When I emailed him to inform him that this was n't a XXXX loan and that the document signed was irrelevant, he then sent me a copy of the FHA document that I signed on XXXX XXXX, 2016 which was signed before the XXXX loan that he promised me that he could deliver and said that I would be charged a fee of XXXX if I did n't close that loan with him. That document became voided when he had me sign the document for the XXXX loan, however, according to the terms outlined in the document. This guy has been using hostile tactics and basically holding me and my bank account hostage so that I use his company to close my loan. He has threatened me and told me that he will be forced to take that money from my account when he never even explained what the document I was signing was for. The only reason he had my bank card number in the first place was because I gave authorization for him to charge me for the appraisal and now he is going to use my bank card information from the appraisal to charge me this bogus fee that he is coming up with in the XXXX hour basically. I have since then decided not to continue with any loan and not to even try to buy a home at this time because of all the XXXX frustration involved in this matter with this lender. For me and my family having to pay a nearly {$1000.00} dollar fee is a huge amount of money. Money, that we work hard for each day to be able to provide for ourselves and my fianc 's daughter, as well as our fur babies. That is definitely not something that I just want to hand over to him for services that he has n't even provided to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
As an ebay XXXX, I have been dealing with receiving payment from PayPal for about 20 years. The money was always available the same day the customer placed the order and paid wih their PayPal account. Suddenly recently they are ho, lding my payment for from 7 business days to 2 weeks. This does not seem to reflect appropriate fiduciary responsibility to me. Can they hang on to my money for 2 weeks legally?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I paid {$2000.00} to pay pal credit located in Maryland. My account number XXXX. This payment was made on XXXX XXXX 2016 and when I made the payment on line that amount was to be the current balance. Today I got an email from them saying I owe an additional {$31.00} with no explanation of what that amount is for. I they indicate that if is interest, I feel that amount of interest for 3 days in criminal and that company should be federally investigated. I am a senior and on a fixed income and it took me months of saving to pay that amount, and now they want MORE???

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
In XXXX, and XXXX, I suffered XXXX difficult pregnancies both cost me tens, of XXXX of dollars. In XXXX my child was involved in a XXXX car accident which required XXXX surgery. In XXXX, the last of my hardships, was when my transmission died and had to be replaced. I have tried to reach out to Flagstar Bank for help with a modification but they have been delaying the process on each and every occasion. I even had to file bankruptcy. For many months I have been desperately seeking a modification. I have received lots of expert help from several resources. To no avail each time I got a DENIED! Our home is now upside down. We requested to do a short sale but were told I ca n't apply for a short sale until my modification has been denied. They keep sending letters saying the application is INCOMPLETE! Not denied so NO SHORT SALE! This time My point of contact XXXX XXXX said my file was closed out in XXXX and that I requested the modification less than XXXX days before the foreclosure sales date ; this is not possible because I received a Incomplete Information Response Notice from Flagstar dated for XXXX XXXX, XXXX. I was never notified that my file was closed. I have been sending in my documents to Flagstar Bank for months. They just keep delaying my modification process so they can illegally foreclose on my home. To this day I have still never received any type of formal denial letter that stated when or why my modification request was denied. They said my file is closed and have scheduled my home for foreclosure in less than XXXX weeks 0n XXXX XXXX, XXXX. My point of contact XXXX XXXX told me nothing can be appealed. This is legal. I 'm so exhausted and too weak to continue this fight! Can you please help me to save my home?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Google Compare Credit Cards Inc.
State: MD

Complaint narrative:
I opened a Google Wallet ( GW ) account and I connected it to a checking account. I received a {$1800.00} payment from a rental tenant and then GW shut down the account and trapped my money inside the account. GW 's reason for shutting down my account was that I violated the terms of the agreement. GW refused to share what actions violated the agreement and they also refused to give me a chance correct or clarify whatever terms I may have violated. GW stated they would refund the money to me in 30 days then and they stated 60 days so I have no confidence that their process is fair ; it is certainly not clear. Also, why does it take 30 or 60 days to refund my money after they close my account? Its my money, not theirs. If they insist on closing accounts unilaterally, they should not hold money that is not theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
Pay Pal set up a credit line for my wife and I and we did not know it. At best they got us at checkout and XXXX of us thought it was just a verification. We did not know it until we started getting emails about our balance! I asked them to reverse the transactions and put them on our credit card like we always do and they said they ca n't do that. I not only upset about that but that we were signed up for {$4500.00} in availability I never wanted and I 'm sure it hit our credit history ... I want them to put the transactions on our credit card like we have done for many years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Had a credit card charged off XX/XX/2014, was sold to a collection agency for {$300.00} more than I owed. Midland Financial 's local counsel attempted to contact me via phone and mail at my father 's home, an address that was never associated with the credit card and has not been used in association with my personal or financial information for over a decade. He is in the early stages of dementia, and as a result phone messages get deleted, letters get misplaced, and when the collection company filed a civil suit against me XX/XX/XXXX he signed for and subsequently misplaced the summons. Discovered the summons in a pile of papers while helping clean his house, and due to the time frame between the discovery of the summons and the trial I opted to just pay the debt as opposed to attempting to mount a defense, since local counsel was not willing to negotiate for the same reasons. My credit report, drivers license, etc. all have my current address and phone number listed, I feel there was a lack of due diligence on the part of the debt collector, either by accident or design. It should be noted that I moved a little over a year ago from the address that was associated with the credit card and filed a change of address with the DMV and mail forwarding with the USPS. The original address and my current phone number were both on paperwork attached to the discovery section of my writ of summons.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 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: GA

Complaint narrative:
I C systems Inc is reporting theses alleged accounts with XXXX XXXX XXXX XXXX XXXX on my credit report and I do n't owe them any money. I returned the equipment to XXXX and received a receipt with a zero balance. I didnt have service with XXXX XXXX XXXX. I C Systems started reporting these alleged accounts on my credit reports with the the CRA 's ( XXXX, XXXX XXXX and XXXX ) without notifying me and continue to verify them after I have disputed them and requested verification of debt from I C Systems. They are in violation of FCRA 1681s-2 ( b ).

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 2016-07-12 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc

Complaint narrative:
I did set up funds withdrawal from my PayPal account to my bank account on XXXX XXXX, 2016. 
Money have not arrived by now, it is XXXX XXXX, 2016 today. It is more then 1 month now. I did XXXX transfers for {$15.00} XXXX and {$210.00} XXXX on XXXX XXXX, XXXX both transfers were lost. I contacted PayPal regarding this number of times but I still have not seen the funds at my bank account as well as they have not returned to my PayPal account.

Company response to consumer: Closed with monetary relief