vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: Flagstar Bank, N.A.
State: OH

Complaint narrative:
Hello, my name is XXXX. I contacted Flagstar Bank about refinancing my mortgage to a lower interest rate. I was quoted a 4.198 % interest rate that was supposed to be locked in. They told me I needed to pay {$500.00} for an appraisal, and as soon as that came back, everything would be a go. I was led to believe that the refinance was a lock. But then the appraisal came back, and apparently I need to now pay {$10000.00} at the closing of the loan. I feel this is completely unnacceptable and they used misleading tactics to convince me to pay for the appraisal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-13 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I have checked my credit report from XXXX and I have noticed an unauthorized hard inquiry. I have no knowledement of this inquiry on XXXX XXXX, 2015. I would like it off my credit report due to I personally not applying this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
My credit/debit card expired in XXXX 2016. I verified an address but made clear mail is to go to XXXX XXXX XXXX Never received card. Called. XXXX, a supervisor refused to send to XXXX XXXX XXXX XXXX, the original agent claimed XXXX did n't allow. That is a false statement. XXXX claimed he could n't as their policy. So, different answers/reasons, which tells me no one is telling the truth and rather is unwilling to resolve the problem. 
I noted nothing comes to house all goes to XXXX XXXX XXXX esp. due to " events '' such as car races, bike weeks, etc. Too much stolen mail in our area. I needed to go to XXXX XXXX XXXX Refused, wanted a physical address and refused using the XXXX XXXX 's physical address where I am allowed to receive general mail or my XXXX XXXX XXXX Thus, they 'd rather harm my credit by demanding send to physical address rather than a locked XXXX XXXX XXXX the XXXX XXXX XXXX. 
Further, XXXX refused to grant me discussion with his manager, XXXX. XXXX Stated had to write legal department to further escalate. I asked for manager and was refused no less than 10 times. He also stated he 'd not be informing XXXX of my request for a call from her. This was multiple times as well. In his attempts to force his way, he did not de-escalate or resolve the situation. Multiple times I asked how they resolve a situation for people in my situation. He stated they did not resolve the predicaments and there is no other resolution. Basically, his way or the highway. 
I asked what happened to people who live XXXX and only have a XXXX XXXX XXXX He claimed they could n't have credit/debit cards. I call this discrimination. They are failing to service people and businesses of whom they 've verified - I had to prove my Fictitious name, I had to prove my identity, SSN when I set up my account and so on. All my other vendors and creditors use my XXXX XXXX including credit and debit card, car loans, etc. 
XXXX also stated they had no procedures or policy in place for people in my situation who needed to use the XXXX XXXX XXXX Thus, they have no ability to meet the " mailing '' requirement as part of communication mandate to a client/customer. 
Also of concern are issues from past calls last fall when I 'd get agents in the XXXX who refused to transfer calls to the XXXX when requested. They stated they could n't do so. This is blatantly wrong. Not to mention any and all credit card/debit card discussion takes place in the XXXX call centers per PayPal 's XXXX policies. Several of those calls were related to credit card/debit card issues, other calls were not. 
Wasting time writing legal teams should not be the only answer to obtain an current credit/debit card. People and or Businesses should not be discriminated because they have a XXXX XXXX XXXX Manager discussions should not be refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 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:
Dear XXXX, Attached with this complaint is a copy of the email that I received from paypal stating they have my unclaimed funds. I ca n't access my paypal account because my phone number has changed so I am unable to receive the passcode on my new phone. I have contacted paypal several times and explained my problem but they are not helping me nor they are releasing my funds. I am contacting you to help me retrieve my funds from paypal. Please advise paypal to send me a check of my funds to the address below. Your help in this matter is greatly appreciated. If you have any questions, please feel free to contact me at the address below. 
Thank you, XXXX XXXX XXXX, ca XXXX email : XXXXXXXXXXXX paypal account number XXXX phn # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-30 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 sold a A XXXX XXXX Treadmill on Ebay and at the time of listing Ebay recommended Pay Pal as the Agent to receive payment from the buyer which is what I did. The item was listed for {$350.00} and the the buyer offered {$270.00} which I accepted. The listing for sale stated ( 1 ) Local Pickup, ( 2 ) No warranty. ( 3 ) No refunds. The item was in excellent condition and the buyer Paid the full amount {$270.00} to Pay Pal who advised me that the payment was made, the Buyer contacted me and was able to pick up the the item on XXXX XXXX. and thereafter wrote on Ebay 's feedback " Outstanding transaction, Excellent Seller '' When later that day I contacted PayPal about my money I received an email from them stating that it would be 21 days or until XXXX XXXX before they can release the money to me. It was pointed out to them that no such disclosure was made to me before and the item was sold as is without any warranty or refund, and further the buyer has my goods enjoying the use of it and I do not have access to my money because they are unjustly holding it for no justifiable reason they have refused to release it even though I have satisfied all conditions of the sale.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I joined Regions Bank with the promise of {$300.00} after setting up a monthly deposit of {$500.00} and making XXXX purchases with my check card. I met the criteria on XXXX/XXXX/15 and the bank had 120 days to to honor the promotion. I asked a manager to look into it, and she said she would call me on the XXXX or XXXX of XXXX as to when I would receive the funds ... no response yet. I have a friend who joined also at the same time and has not received her money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
i tried to sell my computer online and accidentally sent them money instead of accepting their payment

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The account was cancelled due to past due on a few occasions .I was able to catch up paid it up to date including all past late fees. Seems that they waited to get the late fees before canceling the account.

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 2016-06-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: SC

Complaint narrative:
on XX/XX/XXXX I purchased a new car. During this process I found out that I had a 30 and 60 day late payment to Prime lending. I have evidence of payments sent to prime lending on time each month. After the XX/XX/XXXX payment received communication that XXXX was now prime lending. upon reentering my online information I had an incorrect account number listed. I found this out with help from XXXX. I immediately contacted prime lending and explained the issue at which time I made the offer to pay in full all monies in arrears at that time. I was told that I could not until the issue was cleared up internally. Apparently when they receive money to an erroneous account it goes into some type of holding account. I then asked what is the process to release the money and I was told finance has to process this. It then took weeks to resolve a laboriously slow process. During this time because I could not make them whole which I did voluntarily admitting my mistake with the account number entry in XX/XX/XXXX my account became 30 then 60 days late. 
this has affected my credit as to the point I can not get a mortgage right now and have just lost the chance to buy a home here in South Carolina. I made payments in good faith that they received and have bank statements that prove that. Right now I have these late payments on my credit report along with a " Dispute '', not totally clear on that, however I want this removed from my credit report as I 1 ) made payments that they received on time and 2 ) once discovering my issue I offered to make them whole and they refused payment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Paypal refuses to refund a purchase that I have proved was a fraudulent transaction of a product I could not use. 

I used my Paypal account to purchase a ticket to an event in the XXXX, from a website called XXXX believing it was an authorized ticket seller. When the ticket arrived it was in someone else 's name and I had paid 3 X the face value. It was a scalped ticket. I filed a dispute BEFORE the day of the event to attempt to get a partial refund and because the ticket was not in my name. The vendor did not respond in time, and eventually paypal closed the dispute without even advising me via email. 

Online the dispute explanation cited : " The item violates the PayPal Acceptable Use Policy. It 's ineligible for PayPal Buyer Protection ''. When I called to have this reasoning explained the representative said " oh you can ignore that, its just a standard response that does not relate to your claim. Your claim was denied based on the fact that the vendor says the ticket was still usable ''. Strange to publish a reason it was denied, but then explain that was not the reason. On the day of the event, I was unable to use the ticket as the vendor checked my ID and the name did not match my ticket. They denied me entry to the event, confiscated the ticket and told me to check their ticket terms and conditions. When I did I saw that they do not permit 3rd party ticket sales or their tickets to be resold on the internet. Paypal does not offer the capacity to submit a NEW dispute on a charge, so I was forced to APPEAL the original dispute/claim, even though it is actually a new dispute. I advised them of the following : 1. I went to attend the event and was not admitted as they checked my ID. 
2. The basis of Paypal 's last determination was that the ticket was still valid, regardless of the name on it. 
3. This has been found to be untrue and incorrect. 
4. When I questioned the event organizers who were not admitting me, they advised me to consult their website for the ticket purchase terms and conditions. 
5. I did so, and found that the vendor XXXX with whom I engaged in this transaction was violating the terms and conditions of the ticket sales from the issuer, and therefore sold me an unusable product, in a fraudulent transaction. 
6. I uploaded a PDF with a highlighted paragraph from the ticket issuer website pertaining to resales. 
This is the link XXXX 7. I use Paypal for such transactions as I believe it provides me protection from fraud 8. I expect this amount to be refunded, and retrieved from the vendor in a timely manner. 

The claim was denied by Paypal with only this explanation : " After careful consideration, we 're unable to decide this claim in your favor at this time. '' This process and outcome is not acceptable to me. Paypal has engaged in a fraudulent, cross-border transaction, and refuses to refund my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-23 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: ID

Complaint narrative:
IC Systems representing XXXX XXXX XXXX I paid the debt in full. ( XXXX ) and IC Systems has charged my debit card XXXX! For a total of over XXXX US dollars. This is absolutely unprofessional and what I consider theft! I spoke with XXXX at ext. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I ordered a XXXX XXXX for {$2000.00} on XX/XX/XXXX. Since I opted for 18 month interest free option, XXXX set up the payments through Paypal Credit. Contrary to other financial and credit card companies, the management and payment was totally unconventional and difficult due to the following issues:1. PayPal would not send me statements in the mail - the normal way I schedule and pay my bills, even after repeated requests. The statements would be by email, which gets delivered or sometimes into spam folder. From the email, I have to go to the website to schedule a payment. 
2. I spoke to PayPal representatives and requested that payments be taken monthly from my bank account and gave the details as well. Some payments were taken, but on other occasions PayPal did not bother to take the payment, but just charged a late fee to my account. 
3. After several attempts to correct this, I paid off my credit balance ( {$1400.00} ) on XX/XX/XXXX and disputed the late fees. I find that the total fees charged were {$130.00}, of which {$70.00} was credited. 
4. I requested to have the rest credited as well. Paypal wanted to send the request by mail or fax, so I wrote a letter and faxed it to them. While waiting for the decision, Paypal started charging late fees for the disputed late fees. 
5. I called the company and told them that this amounts are in dispute and I will not be paying these. Also asked them to close the account and send it to collections. The representative responded by stating that they have the right to charge as long as they want and decide when to send to collections. My request to speak to a manager was denied. 
Now I find that they emailed another statement with additional late charges and interest charges. So the charges are increasing every month from original amount of {$60.00} to {$130.00} currently. 
This situation is totally unacceptable and I dispute these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
there is an unauthorized transaction in my Paypal Credit XXXX x repeat transaction I disputed this to Paypal they investigate it was made through Paypal account through eBay. I called eBay too to report the person who said I sent money to him for XXXX in one day that is fraud I NEVER NEVER purchase nor pay a person with out an item in return. eBay must also check the credibility of their members hope they will make action to this wrong doing. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-09 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
XXXX PayPal ran an unauthorized hard credit check in XXXX 2015. It was listed on my credit report. I never gave consent or inquired about a credit line/credit card with PayPal. This is now on my credit report for 2 years and affects credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 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:
Dear Sir/Mdm : I have paypal accounts and I load money into my accounts. Then for no reason, they shut me down. Uptil today, they hold my funds for more than three months. 
It is also outrageous that they made Paypal Robots keep sending me formatted replies. Your Robots keep saying : " your account is limited indefinitely and an appeal is not possible. " Please note : 1 ) I never submitted a so-called " appeal '' ; 2 ) What I request is no business relationship with Paypal, i.e., I refuse to keep an account with Paypal, no matter it is " limited indefinitely '', limited definitely, or whatever. 

As I stated from the very beginning, I want my accounts closed and my money returned. I contacted them over ten times with no meaningful response ( now it is no response at all )! 

Thank you for your help with this matter. 

Sincerely, XXXX 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 2016-03-26 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: NY

Complaint narrative:
I paid this debt, they keep attempting to recollect the dept I paid in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
Paypal Credit refuses to extend the reduced APR ( 11.99 % ) that I requested as a part of a hardship payment plan. Paypal Credit insists that they only allow a one year hardship period, and raised the APR to 19.99 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Consolidated Management Group, LLC
State: SC

Complaint narrative:
I received a phone call from a man who had informed me that he was a processor trying to deliver papers that needed to be signed by me because I was being sued. I asked him what was it about and then gave me a phone number ( XXXX ) to find out what it was it in reference to because he did n't know anything cause the documents were in a sealed envelope. And it was important that I contacted the number to find out for myself. I called the number a very rude man answered the phone and told me that I needed to pay a debt for their company in order to stop the process of being sued and going to jail, I got very nervous and tried to find out what it was about but he just kept yelling at me and telling me that I knew and that I deliberately did n't pay a debt and I was getting sued for fraud and going to jail. So, I panicked cause I really did n't know and I gave XXXX ( XXXX ext.XXXX ) my credit card information and paid the {$300.00}. Then XXXX XXXX came on the line to tell me that it was process in five days and if I tried to stop the payment that they would proceed with the process of suing me. I do n't know who this company is. I have n't received any letter or bill in the mail. I do n't even know what debt they were talking about. All of this took place over the phone on XX/XX/XXXX. On XXXX XXXX I received and email from Continental Consumer Services stating that XXXX XXXX was the original creditor. I honestly do n't know who that is. I realized that I was bullied into paying for a debt that I did n't make.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 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.C. System, Inc.
State: CA

Complaint narrative:
Not only is this debt not mine but I have repeatedly tried to contact them to resolve this over the past few months. I even submitted a dispute through XXXX and they reported it as collections and derogatory. The contact information from XXXX and their website does not work. The phone contact sends you through an automated loop and yet they still report to experian as derogatory and collections. I even had experian contact them and they even could not contact them. This company is hurting my credit without any way to resolve it. It is keeping me from being able to fix or better my credit. The company is IC System over XXXX $

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 2016-04-07 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: CNG FINANCIAL CORPORATION
State: MI

Complaint narrative:
Had a payday loan in 2013 " Check N Go '' in Indiana was a legit company. ( Amount Less than {$300.00} ) Wrote a postdated check that ended up bouncing or not clearing ( Or was drawn on a closed account ). I had lost my job moved back home to XXXX during this time and had closed my Bank account with XXXX. I am still pulling records from when the loan exactly was and when the account was closed. Now this company is coming after me saying their collecting on behalf of them stating that I need to pay {$770.00} this includes restitution. " For intent to Defraud '' Felony. These people managed to call almost my entire family requesting I contact their offices. I have asked to verify the debt but they said there not required to do so since there not a debt collector. They also stated that an arrest will be issued for my arrest as well as me being extradited back to XXXX. 
Facts-They had my full address and SSN, they were able to confirm friends names and phone numbers and employment at the time. They were also able to give me the check number and bank number however he spoke so quickly I could n't verify. 

I have all calls recorded for my record. I also requested to verify my debt the first time they called and they refused saying there not a debt collector.

Company response to consumer: Closed with explanation