vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-08 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NH

Complaint narrative:
I sold something on ebay and received a payment for {$1300.00} for the amount of the item ( {$1200.00} after fees ) ( transaction ID XXXX ). The buyer paid by Paypal. Paypal received the payment, but refuses to update my balance. After several phone calls, Paypal said it was due to a " software update '' and it would be fixed immediately. It has now been more than a day. Many other sellers are having the same problem according to ebay 's community boards. Paypal keeps changing the story about when this will be fixed. Some people are being told an hour, some a few hours, some until the end of the day, others 24-48 hours, and one person was even told 4-5 days. Like many sellers, I was relying on this money -- {$1200.00} is not an insubstantial sum -- and I think it is completely unfair for Paypal to hold up so many people 's funds so it can update its software. There surely is a way to update software without holding customers ' money with no recourse.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-20 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
I was tricked into signing up for Pay Pal credit when I just wanted to buy something using Pay Pal I want to just payoff and close account but I want them to remove the inquiry from my credit report and I cant payoff the charge since the charge is still " pending ''. I just want to pay-off and close account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Prepaid card — Mobile wallet
Issue: Unauthorized transactions/trans. issues — 
Company: Google Compare Credit Cards Inc.
State: NJ

Complaint narrative:
I had a {$50.00} google XXXX card in my Google WalletIt expired without notice and i lost my fundsGoogle should have alerted me when the card was about to expire as they do for a credit card linked to the Wallet, so i could use the funds

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 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: AR

Complaint narrative:
We switched from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX internet a little over a year ago. We did that based on the promise that all of our past debts would be written off and we wo n't have to worry about it. We believed them until I started getting calls from some agency claiming that the debt was still owed to XXXX XXXX XXXX. We believed them when they said we owed nothing, but we took care of it with XXXX XXXX XXXX and it should 've been paid off. 
Yet we still get calls about every XXXX months from the same agency. Never a written item, just a call, claiming the same thing. I tell them it 's taken care of and to get the number off, but they keep the same pattern up. I do n't know who the company is, just that they keep calling and telling me the same thing over and over and over again. I have had enough! I want them to stop harassing us about this debt since, as I know a little about collection laws, they have invalidated it by not sending us anything in the mail ... .ever. It needs to be received within XXXX business days, and we never got a single mailed item from these people. We want them stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Your recipient should have the money by XXXX XXXX, 2015. 


Paid withPayPal CreditMake a PayPal Credit paymentShip toXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXUnited StatesTransaction XXXX Seller infoXXXX XXXXXXXXXXXX XXXX Amount {$780.00} Fee {$0.00} Total {$780.00} See details on classic site

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-03 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:
I have noticed now about 4 times that PAYPAL when I go to do an ATM withdrawal of my account that the fees do not match up when held and the posted. 
Example today my balance was {$200.00}. I withdrew {$200.00}. The ATM charged a {$3.00} fee for atm use. When looking at my account I have a new balance of {$3.00}. In the temporary hold section it shows a hold of {$200.00}. However, there is no mention of any fees associated on PAYPAL 's side for the ATM withdrawal. In looking at my summary, it showed before my {$200.00} balance, ATM withdrawal {$200.00}, balance {$3.00}. NO WHERE do that say or post the {$1.00} fee for the ATM card use. I have noticed this on ATM withdrawals but not checked if I use it at XXXX. I have noticed descrepencies with the balance and making purchases via Ebay or in person with my card. The balances do not seem to match up all the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
PayPal Credit problems : My dispute lies in a purchase made on Ebay on XXXX XXXX, XXXX for {$43.00}. 
This was paid on XXXX XXXX, using my XXXX XXXX card, and I have this confirmed from both Ebay ( ref number XXXX ) and my XXXX XXXX statement. 
However PayPal Credit claims that on XXXX XXXX, they paid a bill for {$42.00} and then did not send any form of statement until XXXX XXXX at which point multiple billing cycles had passed and interest and late charges were applied. 
I checked with the vendor and he never received two payments, ONLY my credit card payment. 
Since I had no idea there was any involvement with PayPal credit until XX/XX/XXXX, I began at that point trying to call and clear the matter up. Finally on XXXX XXXX, XXXX ; I paid {$46.00}, NOT because it was a legitimate charge, but simply to end the matter. Their representative told me my account was now cleared and closed. At no time ( during over 3 hours on the phone with PayPal Credit ) did they assign me a dispute number or make any attempt to clarify ther billing error. However, after my last call I was assured that my payment of {$46.00} ( which was paid only to put a halt to the continuing bills and failure to respond by PayPal Credit ) would cover all costs and no further statements or charges would be assessed. 
Now I have received another statement claiming I still owe {$100.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Specified Credit Association, Inc.
State: PA

Complaint narrative:
I used a health club XXXX under a coupon for a free week of trainings. During that first week, I liked it the second day so I asked for a membership and was told the contract would n't start until the week was up. On the fourth day, I XXXX at work. I could no longer attend the gym. I went in and filled out a form saying I am canceling my contract. Two months go by and I start receiving calls from the collection agency non stop all hours of the day claiming they never found the papers saying I ended the contract and I owe the full amount due. I spoke to the manager of the gym who says he has no idea what I 'm talking about, and its the collection agency 's problem now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Westside Recovery Services, LLC
State: CA

Complaint narrative:
Madam/Sir, this letter is a formal complaint that is reporting inaccurate credit information. Specifically, they want to screw up my credit and threatening me to a pay the amount that I do n't owed them. The charge is incorrect and misleading by this collection company and fraudulent. I am very distressed that in my credit profile due to its effect. Please help me to stop these gangbusters. Please adviseI was charged without my awareness {$4200.00} as of XX/XX/2015I never seen a Doctor or signed any document regarding any medical treatment. 
Somebody is using my name and ruing my credit. Please help. 
This is the company 's information below. 
WESTSIDE RECOVERY SVCS {$4200.00} as of XX/XX/2015Collection account. {$4200.00} past due as of XXXX 2015. 
Their XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX never signed or get any treatment by this company as of 2015 or prior to that year. 
I do n't owe them {$4200.00} dollars. They 're scamming and ruing my credit. Please help me taking care of this weird issue from this company. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc.
State: MO

Complaint narrative:
My mother and I have been called off and on since we moved in to our rented duplex by collection agencies who always promised to remove our number after we made it clear we did not know the person who used to use our home phone number and did not have a forwarding number. The most recent incident was today and so I decided to check to see if there was more I could do, which led me here. We moved in XXXX10 years ago and while it has n't been every day or week it 's still a waste of our time that needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 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: OH

Complaint narrative:
I have a a unverified account XXXX. I had previously disputed this account with BAY AREA CREDIT SERVICE. I have never done business with XXXX XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt XXXX purport I owe.This is a old account from XXXX XXXX XXXX ( bal. {$250.00} ) that has been sold at least four times to various Third Party collections agencies and the previous agencies could not validate the account and it was deleted form my XXXX credit report. 
I request that XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 2016-02-12 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I stopped using Paypal a while ago. I tried to shut down the account. I had not used the account for almost a year. Now, I am receiving notices that are inappropriate transactions on my paypal account. This has happened three times. I have been contacted by customer service and have asked them to close the account. I tried to use Paypal as a nonmember and they harvested my address data without permission and attached it to my old account. I badly want my account shut down. There is no current credit card attached to this account. I think Paypal might harvest my credit card data without permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: PA

Complaint narrative:
Called XXXX twice. I answered both calls and no one was on the line. The line disconnected. 
Have called 13 times in the past four days, not including the two calls listed above. These calls I did not answer. Researched number on web to find out it belonged to I.C. System, INC. 
XXXX, XXXX XXXX, MN XXXX. 
These are obviously robot calls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I paid a deposit for a stay at a surf camp in XXXX via paypal but the recipient was a ghost account. The surf camp is reputable, it has a paypal account at XXXXXXXXXXXX. I sent the deposit to XXXXXXXXXXXX, who took the money, but did not provide any service, or provide a refund despite requests. The owners of that acount set it up just to receive payments made to the wrong address. They also set a XXXX account to attract people to pay for services that it has no intention of supplying. Paypal refused to reverse the payment : the complaint procedure person did not understand the issue and incorrectly closed the complaint in contradiction to Paypal 's published policies on fraud. This is a repeated problem for the camp owners, and a clear case of ghost-account fraud, but paypal refuses to act to protect customers from this fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-02 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
THE TRACKING INFO IS # XXXX IT GOT MAILED OFF ON XXXX/XXXX/2015 FROM US POST OFFICE IT GOT TO XXXX ON XXXX/XXXX/2015 @ XXXX AND IT HAS N'T BEEN SCANNED ANY MORE SO THEY CLOSED THE CASE & SAID THEY CANMT GIVE ME AN REFUND THAT WILL NOT HAPPEN I WILL NOT PAY ANYTHING FOR AN PHONE I PAID TO SEND BACK & XXXX DID N'T SCAN PACKAGE IN TO SHOW WHERE IT IS ITS NOT LIKE I CAN JUST GO TO THE PLACE OR CALL & ASK WHERE IS MY PACKAGE & THEY KNOW THIS & USE THESE TRICKS TO MAKE YOU PAY FOR ITEMS YOU HAVE RETURNED WHEN THE SELLER SOLD ME AN ITEM THAT WAS N'T WORKING I HAVE ALSO COMPLAINED TO CFPB ALSO AND THE FEDERAL RESERVE ABOUT THE PAYPAL. I WAS SENT AN EMAIL TELLING ME TO RETURN THE MERCHANDISE BACK TO SELLER & I NEED TO USE A SHIPPING METHOD THAT PROVIDES ONLINE TRACKING INFORMATION! I DID THIS.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc.
State: TN

Complaint narrative:
I checked my credit and discovered that this company has reported that I owe them a debt. I have never entered into a contract with this company and neither have they provided me services nor goods

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 2015-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: I.C. System, Inc.
State: TN

Complaint narrative:
The number XXXX continues to call me regularly. The first time I answered they said they were attempting to collect a debt when I asked them questions they disconnected. Ever since they call me no less than XXXX a day. I 've asked that they not call me. I 've attempted to call them back and never get an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I sell some personal property on XXXX from time to time. Recently, I sold a used phone. A customer paid in full for the phone and I shipped the goods. The transaction is completed. For reasons unknown, however, XXXX is keeping 60 % of the transaction value on hold for 30 days. Why is this legal?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-24 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: I.C. System, Inc.
State: CO

Complaint narrative:
XXXX is trying to collect for equipment that was returned

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 2015-11-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
One day Paypal put a limitation on my account. They told my friend, who I sent money to, that I had been " hacking into accounts. '' ABSOLUTELY not true. They pulled the money back from my friend 's account and put a hold on my account. I provided every bit of information they asked me for and they kept asking for more stuff. I would submit something, it would be approved, and they would add XXXX more things. Finally, they said my account is " related '' to the accounts under the following e-mails " XXXX '' and that {$500.00} is owed. So they have locked up {$1800.00}. They even went into my bank account and made an unauthorized withdrawal of {$29.00}. I do not owe Paypal ANY MONEY and it 's illegal for them to be holding my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
This company calls me at work XXXX or XXXX times daily. My coworkers know what company I owe now because their number shows up so much on the phone. When they call they are very threatening and aggresive. They already have taken me to court and have a judgment to garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
My wife and me are senior citizens, ages XXXX and XXXX respectfully. We bought our apartment in XX/XX/XXXX with financing from PNC mortgage. Within 90 days of the closing the bank sold the mortgage to XXXX. Since then they have harassed us by calling our house 2 t0 3 times daily Monday through Saturday and stating that our mortgage payments were late even when they processed our payments. In addition, they were charging late fees in error. They also raised our mortgage payments twice the first year without any increase in expenses ( e.g. insurance and taxes ). Our new payment coupon was to have been received before the beginning of XX/XX/XXXX and to start in XX/XX/XXXX. Said coupon has yet to be received. We have sent a letter to the PNC Mortgage executive and waiting to hear from them while we continue to making sure our mortgage payments is timely. 
We would like this information published

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I have asked XXXX to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
CAVALRY PORT having on collection since XXXX and been reported me collection since that time this account it is been more seven year reportly wrong in my credit report i paid prepaid legal services which this month send a letter to them dispute the collection information for opened and reported date is completed wrong this company bought the collection for XXXX since XXXX and is been open and reported to all my credit buberau wrong if you look the date the put it as opend as XXXX and reported as XXXX this company has enough time to take my to court or sue me and is ilegal to been more seven year reported by same collection company i trying to fix my credit becouse i need to expend by business XXXX Past Due : $ $ $ High Balance : {$2900.00} {$2900.00} {$2900.00} Terms : Limit : $ $ $ Payment : $ XXXX $ XXXX $ XXXX Opened : XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX Reported : XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX Responsibility : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CNG FINANCIAL CORPORATION
State: SC

Complaint narrative:
It was many years ago when I got a check cashed at check n go.I did n't have the money to pay them back so I did n't pay them They never bothered me about it until about a month ago.That was around 10 years ago.Now they say I owe them XXXX dollars and threaten to put a levy on my bank account.I am on social security and can not pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.Q. DATA INTERNATIONAL, INC.
State: NV

Complaint narrative:
I was a cosigner for the rent of this apartment and my ex wife was living there and she was the owner of the contract and I was checking my credit and appears under my name only it says individual account,, and this account is not mine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: ONLINE Information Services, Inc.
State: CA

Complaint narrative:
I am not familiar with this company and do not understand why they are on my credit. These inquires effect my credit in a negative way. I would like them to be removed.

Company response to consumer: Closed with explanation