vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-03 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
i paid for two jewelry items on ebay, a XXXX and XXXX. the bill was paid through paypal XXXX/XXXX/2016. the seller provided a usps tracking number but i did not get the items. i have made three trips to the post office, spoke with supervisor XXXX XXXX. she told me the trucks were checked daily and the post office found no spare packages. i soke with the seller, XXXX who stated " i did everything right and have no responsibility '' i opened a case on ebay which was promptly closed due to paypal opening a case. paypal opened case and " investigated '' found tracking number from post office and said it was delivered, it was not, i did not get the package. paypal has a buyers protection " from their front door to yours '' and charges 2 % on my sales plus interest on their account. i have contacted them no less than 10 times, but with delaying tactics only to get my hopes up. the last installment was monday ... XXXX/XXXX/2016 they open an appeal but i got an email today stating once again the case was closed. that case number is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-19 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: OH

Complaint narrative:
We contacted IC Systems and we mentioned a credit check that was done on XXXX/XXXX/16 through XXXX. They could not find check in the system. We spoke to a manager, they mentioned they would not remove credit check. They said it was not their responsibility.

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 2016-03-29 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
EBay sale return must be processed through PayPal. Insufficient funds in my PayPal account. Request to PayPal to transfer from checking account at XXXX on XXXX/XXXX/16 for {$150.00}. PayPal requires XXXX business days ( M-F, XXXX-XXXX ) to post to my account. The ACH does not function on Sat & Sun. 
XXXX can not send funds to PayPal because there is no 'routing number ' etc. But, XXXX uses PayPal to process its mobile app. 
I want this lie about the federal financial system not processing funds on 'non-business ' days to stop. It is a lie, they are using a float time for profit at my expense. If I can buy a burrito at XXXX XXXX and see it on my checking account by desert PayPal can do that as well. 
PayPal must provide banks and customers with a 'send to/transfer to ' routing number or they should be put out of business, No reason my credit card must be processed through PayPal at eBay except for gouging the public. 
No way to resolve problems by email with eBay or PayPal. Must go online to get telephone number and code, the machine answers and refers me back to the website where there is no way to send problems unlike other retail firms. Round about we go, losing it with XXXX in XXXX as I go.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Paypal flips your purchase to PayPal credit several times during the checkout process. If you miss XXXX of the clicks you use PayPalCredit without knowing it. 
I did this and got hit with {$2.00} minimum interest and {$5.00} late fee. I paid to get my account in good standing. 
When I called to request the charges be reversed I was told that they would not refund the {$2.00} interest ever and they could n't refund the {$5.00} late fee now because I paid it. 
So I paid a total of {$7.00} " interest '' for 2 months on a {$17.00} purchase. 

I think that this is predatory lending.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-07 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: CNG FINANCIAL CORPORATION
State: VA

Complaint narrative:
Was unable to make payments on a loan I took out with Check-N-Go, due to illness. The account was sent to XXXX and they contacted me regarding the debt. I was able to set up good faith payments of {$50.00} per month while I attempted to come up with the money to pay off the account. I was late on my XXXX payment and offered to pay it on XXXX/XXXX/XXXX. The person who had worked with me previously advised that her manager was taking over the account. His name is XXXX XXXX - XXXX x XXXX. I explained my situation and requested we continue the {$50.00} per month payments until I could catch up with my other bills. I advised that I would need until the end of the year. XXXX XXXX was extremely rude, accused me of not wanting to pay my debts, made false statements regarding the value of my home, and accused me of declaring bankruptcy in XXXX, none of which is true. He has threatened to have me sued. I requested multiple times to have him work with me but he declined. His tactics were extremely antagonizing, derogatory, and unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I made a purchase in XXXX 2015 from XXXX paying with Pay Pal who has my credit card number. After a period of time, I 'm not sure how long, I received a call from Pay pal credit saying I owed them money. I contacted Pay Pal and they said I did n't owe anything. 
I continued to receive calls from Pay Pal credit so I just ignored them since Pay Pal said I owed nothing. This is XX/XX/XXXX and I have been receiving calls from Pay Pal Credit daily. l returned their call and spoke with a man who said I owed them from a purchase in XX/XX/XXXX. I asked him what the purchase was and why they did n't get the money from my credit card which they have on file. He said they do n't have my credit card. He said that he was not with Pay Pal but with Pay Pal Credit and that I had agreed for Pay Pal to bill them for my purchase. I told him I never made any agreement with Pay Pal except for them to bill my credit card which they have on file for my purchases. He said I agreed to use Pay Pal Credit and had given them my social security number and phone number. I told him I never gave consent for any form of payment to pay pal other than my credit card. 
He said I owe Pay Pal credit {$270.00} for the initial purchase plus {$36.00} interest plus additional charges for unspecified fees. 
I do not object to paying Pay Pal the {$270.00} due for the purchase as I agreed using the credit card they have on file. I do object to paying any interest or other late fees occurring due to their sending my bill to another credit company without my knowledge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-05 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
I have a medical debt from my new born child from XXXX XXXX XXXX ( XXXX ) when she was born on XXXX XXXX 2015. I was covered under my father 's health coverage but my daughter was not when she arrived. I applied for her health coverage under the affordable care act ( ACA ) under the state of New Jersey on XXXX XXXX of 2015 and received a confirmation number but as of this day I still do n't have medical coverage for my daughter. 
I contacted XXXX XXXX who is my daughter 's primary doctor of the fact and could they put me on a payment plan until coverage begins, they verbally said they could and was also informed that her initial debt from the hospital would get paid when her coverage began. Contrary to what I was told by their office staff, it went to IC System collections. Regarding getting coverage in my state, I received a confirmation number when initially applying and have been following up regularly and had to submit pay statements from my part time employment for the process to go further. Like I said in the aforementioned, my daughter is still not covered medically and I just received a rejection letter regarding my daughters application due to the person processing her application did n't see an address for my place of employment. 
I think this wait for her coverage is way beyond what was envisioned when the XXXX was instituted. I just wanted to bring awareness to other federal and state agencies and know of the dilemma I am encountering and the inefficient processing of my over 6 months old application. I am hoping this complaint, can also inform future care givers of the problems faced with applying for medical coverage within each state and navigating the bureaucratic maze. I am not ruling out seeking the counsel of a lawyer to address the enrollment delay and collection tactics. I question the legality of collection tactics while XXXX applications are still being processed. Thanks for looking into my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Skyline Financial Corp.
State: CA

Complaint narrative:
We 've been in process to buy this condo in XXXX since XX/XX/XXXX, we have so many delay with the loan and approval from my loan officer ( XXXX XXXX ), we got XXXX counter offers because the due date has passed, the price went up from $ XXXX to {$410.00} as final price. 
Since last year we already told XXXX that we do not want any points on the loan since we will refi anyway. 
On XX/XX/XXXX he sent me a GFE the closing cost total is $ XXXX, and on XX/XX/XXXX he sent me another email the total closing cost revised to $ XXXX due to 1.625 % points and we have to sign the documents by XXXX since they have to close everything on XX/XX/XXXX otherwise we will lose out down payment of $ XXXX. 
His argument is due to my credit score only XXXX, I mention to him, my credit score did n't change for the last 2 days and he said he did n't lock the rate and it charge points after he lock it. 
I feel like I 've been set up since they charge me points for $ XXXX like 2 days before the closing day. 
My question is : is this even legal? 
I know the rule that they ca n't increase from GFE to HUD more than 10 % but this is from GFE to a revised GFE, is this legal? If it 's not, how do I get the points fee back? 
Thank you in advance for your help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-22 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
sooooooo happy payal is finally going to get what they deserve. Basically they need more checks and balances. I thouht i was paying for a product with my own card but somehow was setup as a paypal account. I had to close it as they kept charging late fees and not honoring at all the postage date. I just made my last payment last week and I could n't be more thrilled to be done with them. Please please please becareful if you are purchasing something that site is linked to pay pal, they will somehow get you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-06 00:00:00
Product: Prepaid card — Mobile wallet
Issue: Managing, opening, or closing account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XXXX/XXXX/2016 I received an email stating my PayPal account had been limited, I immediately contacted PayPal to find out why. I was informed it was because I had failed to update the tracking for my shipments but if I would log in and update tracking the limitation would be lifted which I immediately complied. I waited 24 hours only to find out my account was still limited so I called PayPal again asking for clarification. I was informed my last XXXX shipments needed to show delivered before the limitation would be lifted again I complied and agreed to wait for delivery confirmation. On Tuesday XXXX/XXXX/2016 after delivery confirmation was provided I was informed I would have to wait an additional 72 hours for the limit to be removed, I requested to speak with a supervisor regarding all the hassle and misinformation I was being provided. I was informed by the CSR that my account was being limited due to my name being associated with a negative account. Once the supervisor got on the phone he XXXX informed me he would look into the account and get back with me after a 20 min hold I was told by XXXX that the hold had went from 72 hours to 180 days with no reason given other than it is PayPal policy that if they feel an account is high risk they can freeze account for up to 180 days. I was told I had 3 options either wait the 180 days and do not cause PayPal any issues and they would contact me and let me know how I can then get my money, option 2 wait 45 days call back into PayPal and request an appeal ( which I later noticed once logging into the site that I could not appeal ), option 3 contact my customers and ask if they would ship back at their expense or at my expense they items they had purchased and were completely satisfied with. I informed XXXX I would be taking legal action against PayPal since other than my name being associated with an account that is negative they have no legal rights to hold my funds. The negative account is not my personal account my name is listed as a backup contact and an authorized user in case the primary owner is not available. The phone call ended and I have begun steps to take legal action against PayPal. I was hoping I could get your assistance with this at a time where money is tight and trying to support a family on a single income having XXXX frozen due to no fault of your own can cause lots of issues. 




Thanks, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Flagstar Bank, N.A.
State: CT

Complaint narrative:
I applied for the FHA Streamline Refinance because I was looking to lower my fixed rate mortgage from 4.75 % to 3.5-4.25 % fixed. I called and spoke with XXXX XXXX in the Direct Lending Department. I advised him I am a former beneficiary of the Federal Emergency Home Loan Program and the FHA HAMP. At first I asked him if Flagstar Bank would subordinate to XXXX XXXX who had already preapproved me for a lower rate ; however, XXXX said that I could get a lower rate through Flagstar. XXXX XXXX had made me believe that it would be worth pursuing an FHA Streamline Refinance. Ultimately he said I do not qualify because they could only offer me a rate of 4.68 % because of my credit. Since my rate is currently at 4.75 % they would not reduce it to 4.68 % because it is too small of a change. I have been current on my mortgage since XX/XX/XXXX or XX/XX/2011 yet Flagstar still did a " Lockout '' on my house. They changed the deadbolt lock on me and have yet to reimburse me so I can put a new lock in which they do not have a key for. I do not have the key to the deadbolt lock currently on my door.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Prepaid card — Other special purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I was sent {$2400.00} from my client through Paypal. When I logged on to Paypal to transfer the money into my bank to balance our cash flow, the system showed that only {$69.00} of the {$2400.00} was available and the rest would be held for 21 days. I called Paypal and spoke with an agent and asked him to have the money released immediately as we were expecting theis money as deposit to start our work on the project. The agent walked me through the website to indicate that I was not selling anything that required the hold. He said after that process the money would be released in three days. After 4 days the funds were still held back. I called Paypal again and spoke with another agent who said he could not remove the hold and that he would have the supervisor email me a response to my complaint. I had to go through a lot of trouble to fix our finaces so that our chceks would not bounce. It is already 20 days and I just chceked, the money has still not been released.

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 2015-05-30 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: I.C. System, Inc.
State: TX

Complaint narrative:
In XXXX of 2012 while I was in an unemployed status a young lady, XXXX XXXX was going door-to-door in our neighborhood trying to sign people up with XXXX XXXX. Since I was out of work and was looking for ways to save money, I was interested in what she had to say. My only problem was that I was still under a contract with XXXX XXXX and I told her that and she assured me that I would be receiving a Visa gift card in the mail as a bonus for signing up with XXXX XXXX that I could use to pay any cancellation fee with XXXX XXXX. Since their rates were a little less, my husband and I decided to go for it and signed a contract. I had to call a number to confirm that we had agreed to the changing of our service over to XXXX XXXX, and while making this phone call I found out that I had been misled on the XXXX gift card, and would n't actually be receiving it until we had fully met the terms of our contract after a year, which meant I would have to come up with the cancellation fee for XXXX XXXX, and being out of work, we could not afford that. 

The contract we signed said we had up to 3 days to cancel the contract, which I did within XXXX hours of signing the contract. I immediately called them and spoke with XXXX to cancel our service, who gave me a reference number ( # XXXX ) confirming my cancellation request, and then I also e-mailed in the required notice of cancellation that same day. 

When on XXXX XXXX I received a notice confirming that I had requested to change my service from XXXX to XXXX XXXX, I called XXXX XXXX and spoke with a XXXX to confirm with her that my service was still active, and she confirmed that it was. 

After receiving my first bill, I contacted XXXX and informed the billing department that I had cancelled my service within XXXX hours of signing the contract and that my service with XXXX XXXX was never interrupted, and that they, XXXX NEVER did supply my electricity, so why they are charging me for service they never even supplied. This in my opinion is fraudulent business practice on the part XXXX XXXX. 

I also made several other calls and spoke with individuals in XXXX XXXX 's billing department when I received bills in the mail, and never could get anyone to listen to me or get supervisors to return my calls regarding what I was trying to tell them were bills in error. 

Please feel free to contact me for any further information you XXXX need regarding this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A.
State: MI

Complaint narrative:
I have applied for a modification of my mortgage with Flagstar Bank. This modification was approved and I received the paperwork to sign and return. When I received the paperwork, Flagstar was requesting XXXX in closing fees to complete the modification. I do not have XXXX. I called the HOPE counseling service and ask for help. The counselor and I did a conference call with Flagstar and she requested an accounting for the XXXX. They clammed up, said it was an error and it would be fixed. I have since heard nothing from Flagstar. I want to get this resolved asap. ( and while on the phone with the HOPE counselor and Flagstar, I received XXXX telephone calls from Flagstar demanding payment THAT day. 

I am at a loss and do not know what else to do. If I had XXXX in the bank, I would n't be behind with my mortgage. 


SincerelyXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I was contacted by IC systems approximately 1 month ago requesting payment for a debt that I had previously paid over 2 years. After I informed them of this, they indicated that because the company was based in NY XXXX, the state laws require the company to validate the debt first -- if they could not validate that the debt was not paid, there would be no additional action. At that time, the collection had not been reported to my credit report and I was explicitly told that if the company could validate that the debt was not paid, it would not be reported until I was contacted to provide additional verification. Approximately 1 month later, I was notified that there was a new collection placed on my credit report. When I called IC systems to inquire, the indicated that the debt was validated as still outstanding by the vendor so it was reported to the credit bureaus. After extensive discussion where I indicated that this was not the agreement made with the previous representative, I was told that they only way they could " delete '' the listing on my credit report was if I paid the debt but that this was a " XXXX time '' agreement and I needed to make the decision now. Because I had paid the debt previously, this amounted to extortion - I was forced to make a decision to pay the debt again or deal with ongoing disputes with credit agencies providing documents verifying the amounts ( which I have ) with not certainty that it would be removed. Given the lack of certainty and the fact that I was " forced '' to make a decision on the line, I opted to pay the debt. 

At this point, I have already paid the debt and hopefully this will be deleted from my credit reports as promised. That said, these practices at the least are extremely unethical and most likely illegal. First, misleading me about the process with respect to a dispute process and then posting to my credit report without informing me about the result of that process is bad business practice. Second, threatening that deletion would not occur if I did not pay over the phone is extremely disappointing and represent extremely questionable tactics on the part of the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 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: IL

Complaint narrative:
In XXXX I disputed a debt with XXXX for {$680.00} as it was referred to collections at IC Systems. IC Systems was suppose to investigate however XXXX failed to respond to them. Even though IC Systems has been unable to validate the debt, they continue debt collection efforts in violation of the law and has reported to my credit.

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