vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Flagstar Bank, N.A.
State: VA

Complaint narrative:
In XX/XX/XXXX I moved out of my home that was mortgaged with Flagstar Bank. 
XXXX Loan # XXXX XXXX I rented the home until XX/XX/XXXX when my situation dictated that I could no longer afford the home to to debt, divorce, car loans, 2nd Mortgage, etc. I tried to get Flagstar bank to refinance my home at the appraised value which was {$60000.00}. They refused to help me even though my loan amount with my 1st and 2nd was over {$100000.00}. I could not make the payments and could not rent the home to recoup what I owed per month. I also fixed up the home and tried to sell it at the lowest amount possible. Nothing worked. 
I walked away from the home due to these factors and Flagstar took it back and sold it afterwords. I am now trying to refinance my current home and can not because this is still showing up on my credit score because of the gap between what I owed them and what they were able to sell the house for. I received no help during my process of trying to keep the home at a reasonable amount due to the constant hurdles and road blocks put up by the finance department at Flagstar.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
I got a call form PayPal on XXXX different occasions saying I had outstanding balance. After calling back I found out that I have XXXX accounts neither XXXX was I aware were out there. My daughter opened them in my name. After she was in jail she admitted to me that she did this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-28 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:
On XXXX XXXX, I had XXXX items on my eBay shopping cart in order to be purchased. The eBay system divided the purchase in XXXX sets of XXXX items each XXXX. The first set for the amount of {$450.00}. During the checkout of the first set, I chose to pay by PayPal Credit which had XXXX options, 6 months to Pay and Easy Payments Plan of {$42.00} for 12 months. When I pointed out the Easy Payments Plan I had to log in to my PayPal account in order to ask for credit approval which after about XXXX seconds was approved. The PayPal credit option was active ( not grey ) and pointed out with a big blue dot and I was able to press the button, Confirm and Pa, which I did. Then, I did the same process for the second set of XXXX items for the amount of {$880.00} which also was approved to be payed using PayPal Credit-Easy Payments Plan of {$42.00} for 24 months. 

Next day my XXXX XXXX XXXX checking account was charged for a total amount of {$460.00}, and over drafted, by which my bank charged {$140.00} fee. This charge was done for the first set of items which were charged as if I had chosen PayPal instant transfer and I did not, I chose PayPal Credit which appears on eBay files. On the other hand, XXXX items belonging to the second group transaction were paid using PayPal Credit and the XXXX others are freeze, they appears as bought but no estimate delivery available. 

I called to eBay and they said the Payment method I used was PayPal Credit and in order to clarify the situation I had to call to PayPal. So, I have called many times to PayPal Credit and first time they said that I had used instant PayPal and they gave me a letter where they say to my Bank, " the customer unintentionally used their bank account instead of PayPal Credit to fund an instant PayPal payment '' which is not true. Then they said that I had not credit and for that reason my back up account was charged. Currently, I continue receiving promotional mail about PayPal Credit Easy Payments and I still continue being approved to pay using PayPal Credit-Easy Payments Plan. Why PayPal offers false expectations? Their Computerized system is failing and the users are not responsible for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
On XXXX/XXXX/2016 I received a letter from XXXX XXXX , XXXX claiming that they were collecting on behalf of Pay Pal , Inc. for an alleged debt of {$300.00}, but were willing to settle for {$100.00}. Concerned about identity theft I checked my Pay Pal account to confirm what I suspected, no charges to my account with a {$0.00} balance. This appears to be a scam purporting debt on unsuspecting victims.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I received a letter from a company XXXX XXXX XXXX XXXX claiming that I owe debt to PayPal, Inc. Account Balance is showing {$130.00} My current balance with PayPal is XXXX dollars and I 've never had any issues with PayPal . At the same time PayPal does not seem to be taking this issue seriously. The letter I received from a debt collector seems to be a straight up extortion. Claims that if I do n't respond to the claim in writing within 30 days, the debt will become valid. 

I 'm not going to respond to them as I believe it 's a scam!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-03 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I had a Paypal account and an additional credit account that was originally called Bill Me Later, was added to my account. These accounts were eventually merged and just became a credit account on my Paypal account. After years of never using it, I received an email from Paypal that a charge was made on my account. Within 24 hours and actually within the same business day, I contacted Paypal via email and phone to tell them that I did not make any charges and any charge made had to be fraudulent. 24 hours later they contacted me to basically tell me " to bad '' stating that I authorized it. I disputed the charge again when the bill came. They again denied the claim providing a tracking number and proof of delivery from the company that made the charge. I investigated the tracking number and not only was the package not delivered, it is n't even for my address, clearly showing the entire transaction is fraudulent. The charge is also from a company that operates outside of the United States, sells illegal products that is totally against Paypal own policy and is clearly a front for fraudulent activity. I provided this information to Paypal and they still refuse to remove the charge when they could have stopped the entire transaction long before anything could have been shipped. They refuse to communicate with me and remove a charge that I have clearly shown is fraudulent and they have left me no other recourse of action that to escalate the situation outside of Paypal.

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: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
We started an online advertising company XX/XX/2015. At the beginning we accepted debit/credit cards and PayPal for clients to purchase our advertising services. In XX/XX/2015 we had an issue with our debit/credit card virtual terminal because some clients were submitted false payments with unauthorized use of stolen cards. We immediately addressed this issue with XXXX XXXX XXXX who was providing the service for the virtual payment terminal, and at the end they decided because there were a few clients who processed fraudulent transactions that they would terminate our use of their payment solution. We understood the circumstances and then found out that they had place our business on a TMF list ( The Terminated Merchant File is shared among processors and acts as a blacklist, where merchants with high risk accounts or excessive chargebacks are put on the list and prevented from opening an account with a different credit card processor. ) Because of this act by XXXX XXXX XXXX for something we had no control over, PayPal continued to allow us to process payments through their processor for the next 2 months and then all of a sudden we receive an alarming email stating they would no longer be able to do business with us as of XX/XX/2015. When we contacted them to ask why they had frozen our account, PayPal stated that our business was put on a blacklist and they would be holding all the funds currently in the account and also went in to our personal accounts and attempted to pull money back. In the course of the time we were using PayPal we did over $ XXXX in sales through them and they reaped the benefit of the fees they charge to transfer payments etc. 
PayPal froze almost $ XXXX of our business funds and ultimately caused us to get behind on Payments to our clients using our services. They should not have frozen our account and held the money because initially when they accepted our business they went through a thorough review and decided to put a reserve of $ XXXX and take a percentage as a reserve on each transaction to cover any possible chargebacks. Instead PayPal chose to freeze everything and we were forced to let our clients know that we could n't pay them which created thousands of disputes. PayPal continues to do this to multiple businesses and personal accounts. PayPal currently has a class action against them for this exact reason ( XXXX v. PayPal Settlement ). PayPal has caused us to practically go out of business due to this and damaged our name and business tremendously. We attempted to work things out with them multiple times when this first happened, but it caused nothing but problems as they were not willing to release funds that were owed to us according to their terms and caused massive disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: I.C. System, Inc.
State: WV

Complaint narrative:
I had signed up for XXXX which I had to sign a XXXX year agreement after moving into a new house XXXX yr we bought our house and when our package kept changing and our bill never being the same and the channels chamging day to day we decide to end contract. when XXXX put our equipment into our new house they automatically renew your XXXX year agreement with notice. NOW they are charging me for the XXXX year termination fee..

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 2016-08-22 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
I received a letter from XXXX ( which I assume is a debt collector ) they are trying to collect on someones Paypal Credit account, but its not mine. I do n't even have a Paypal account. The letter does not tell me much just that it 's a Paypal credit account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I received a letter yesterday, claiming from me {$92.00}. The name of the collection agency is IC System. The name of the creditor is XXXX. 
I called XXXX the day after wich is today, I spoke with XXXX XXXX, and he confirmed to me that my balance is {$0.00} since XXXX/XXXX/XXXX. 
Aproximetelly 20 days ago I filled another similar complaint with the same claiming amount, but with other collection agency name

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 2015-04-18 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
i recently make a purchase using how payment metode paypal butthe seller never give me the service i make a claim inside paypal butthey go in seller favor this is the unique transaction number XXXX and i thinking this is fraudulent seller soplease helpme to get back my money

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 2017-01-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A.
State: NJ

Complaint narrative:
I received a letter of escrow shortage from Flagstar Bank who is handling my mortgage payments. The escrow shortage has made my monthly mortgage payment increase over $ XXXX/month. I closed on the home only 6 months ago and the taxes, mortgage insurance, and homeowners insurance are all the same as when they were a few months ago when I closed on the home.I discovered on my annual escrow statement, Flagstar has the incorrect insurance premium amount being calculated for escrow ( approx. double what my actual insurance premium is ) My insurance premium was paid in full when I closed on the home. It also shows the correct amount of paid in full on my closing disclosure. Everything else matches up with my closing disclosure numbers, yet no one at Flagstar Bank seems to be able to tell me why there is such a shortage of the escrow and what caused it. Flagstar then re-ran the escrow analysis a second time with another incorrect insurance amount. Which resulted in my monthly mortgage payment still being over a {$60.00} increase per month. This has now been going on for 3 weeks and it still has not been cleared up. Someone at Flagstar Bank entered incorrect information that caused this increase which is incorrect and now it seems the are unwilling to re-run another escrow analysis when it was their error internally in the first place. After all of this for now almost 3 weeks, no one at Flagstar has been able to give me a straight or deifinitive answer as to why there is an such a drastic escrow shortage that increased my monthly mortgage payment so much. I have all my documentation from fully paid homeowners insurance, closing disclosure and tax information. Which is all the same as it was 6 months ago in XX/XX/XXXX when I closed on the house. Yet no one at Flagstar can give me reasons why the incorrect insurance information is in my account and why the escrow shortage and increased monthly mortgage payment. Please help, as Flagstar has been no assistance so far.

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 2016-04-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I added money to my paypal account from my linked bank account. 
The next day they limited access to all my funds. 
I emailed why and they stated because I withdrew money. 
They allowed the transfer to complete a few days later, still not allowing access. 
They are not responding to any further emails.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-06 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:
PayPal suspended my account and seized {$2500.00} in funds without warning. They provided no avenue for fund recovery other than to simply hold it ransom for a 180 period, which is simply inexcusable. They shut down my account and froze the funds upon a 2nd appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 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: WA

Complaint narrative:
XXXX has submitted a collection three times on a bill that I do not owe. I have disputed it this collection twice before with XXXX CRA 's and it was removed. Now they have placed it with a XXXX collection company.

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 2015-05-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Last XXXX, Paypal placed a limitation on my account and blocked me from access for my balance. I was told that Paypal may hold my balance for up to 180 days. 180 days have come and passed, Paypal still blocked my access to my balance.

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 2015-12-04 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: NV

Complaint narrative:
A former employer has stated I owe him money. However, according to my records I have paid this debt in full and in fact am owed money by this employer due to an overpayment. I requested a verification of debt and proof this money was still owed after my payments and my former employer provided only a copy of an invoice that he typed- no backup, no proof. I however provided a XXXX Page document showing that I do not owe this money and that is has been paid in full and that he owes me money. This is a civil matter between my former employer and myself. Only a court of law can determine if I owe him money or he owes me, not some third party collection company. Furthermore, a copy of a invoice with no backup is not a valid proof of debt - anyone can type an invoice. This collection co is also reporting to my credit as rental/leasing debt which will hamper my ability to rent a property. I do not owe a debt stemming from any sort of unpaid rents. My prior company is a XXXX. I do not owe any sort of rent to them which is what they are categorizing it as. I have called this company and mailed them a letter stating I dispute this debt. Their response is that the invoice copy is a valid proof of debt!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
My dealer made me purchase their extended warrant and GAP insurance. I do not need or want it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: NEW CITY FUNDING CORP.
State: MA

Complaint narrative:
I financed a vehicle in XX/XX/XXXX-XX/XX/XXXX and had car issues days into the loan then the loan was cancelled and was no longer active but it still shows it on my credit report and I would like for it to be cleared off.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
They continually call me during the day ( more than XXXX times ) on my cell. They have also called both of my sisters, which I am not sure as to how they got their phone numbers. This is over a debt of {$120.00} for apartment cleaning charges. I am making payments on the debt owed. Current balance is {$50.00}. I refuse to pay the whole amount at once to them. They can get it in payments ... but as long as they are receiving payments, I was unaware they could call continuously.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Allied Collection Services, Inc. (Nevada)
State: CA

Complaint narrative:
Allied Collection Services, INC. never sent me a debt collection letter regarding a bill I had with XXXX. They 've called me on my cell phone which is a TCPA violation. On top of this a Collection Rep, XXXX XXXX, told me that if I made a payment plan with them I would n't be reported to the Credit Bureaus. I commenced into a payment plan of {$50.00} per month. They charged {$60.00} to my debit card when they told me it was {$50.00} and said there was a {$10.00} processing charge. Allied Collection Services, INC has no ethics/integrity. They say XXXX thing to me and do another. I asked them to produce the audio recording where the rep XXXX said that it wo n't be reported to the Credit Bureaus. They said recordings are for internal purposes only and wo n't let me review it with them on the phone. I feel like a bunch of my rights are being violated as a consumer. Never received a letter from them saying that I owe money and never had a chance to have the debt validated. This company is a giant fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ZWICKER & ASSOCIATES
State: TX

Complaint narrative:
A number for a law firm XXXX. This agency has called me XXXX times alone in XXXX 2015, I 've picked up and told them I am not XXXX nor do I owe them any debts. I 've also called back and left voicemail and stated if they continue to call my cell phone without permission I will file a claim. They called XXXX times in XXXX and yet again picked up and told them they had the wrong number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ

Complaint narrative:
Received a letter from the company stating my dispute was frivolous and I explained that this debt is not mines.

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