vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-20 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
I have been trying to transfer funds from a car buyer who insists that we use PayPal to complete the transaction. 
I find Paypal very deceptive in it 's description of it 's services. I have called PayPal customer service numerous times & never told the entire procedure to xfer money. For example : their web site allows you request set up for a " Friends & Family '' money transfer & send the request to the other party. However when the sending party tries to send the requested sum they get a message that the precipitant ( me ) is not a " Verified Member '' & blocks the transfer. 
This is true, to be a Verified Member I must provide Paypal with my Bank account information & they offer XXXX options : Instant Verification & a second method. I chose the second method because the Instant choice requires you acknowledge their " Term & Conditions ''. Upon reading it, I learned that I would be granting them a Power of Atty over my accounts & if I were to take legal action against them I would have to pay their legal expenses. Not acceptable & deceptive! 

When speaking to the Customer service people, who are very courteous but perhaps not fully knowledgeable, I was told, " that requirement was found in your Terms & Conditions Agreement ''. Upon further discussion with the last customer service rep. I press to find out if there were any other impediments to allowing this transaction go forward. I was told " I must confirm my email address '' before the transaction can go forward. 
Paypal allows people to start transactions but does not inform you that additional requirements must be met for complete approval.

Company response to consumer: Closed with explanation
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: CA

Complaint narrative:
On the XXXX XXXX I received a refund from XXXX XXXX XXXX. The refund deposit showed up but nothing in my balance. I do n't have access to the money. 

My son sent me some money on XXXX XXXX. I 'm a senior and needed help with the rent and groceries. The deposit showed up in my account but did n't show up in the balance. I ca n't transfer the money to my bank. I 'm filing a separate complaint for this. 

PayPal claims they have a " glitch '' that started on the XXXX, is still going on today the XXXX and may take another 24 hours to fix, if not more. It is hard to believe that a banking organization ( holding company so they can get around US regulations ) does n't have a backup system, or several. 
Tried calling them and get someone in XXXX who says she ca n't do anything. Her supervisor says he ca n't do anything and he says his boss ca n't do anything. The boss is n't taking calls. 
Domestic or International? Money transfered from one US location to another. However, ALL the customer contact is overseas which makes me think this might be International

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-24 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: NY

Complaint narrative:
I am seeing IC System on my credit report for a supposed collection for XXXX XXXX XXXX for a bill that was paid 4 years ago and at an address in which I have not lived in 7 years. I do not know who this company is, but have seen that XXXX complaints have been filed abouts scams that are very similar to my situation ( I.e. almost decade-old bills that had been paid years upon years ago and are being resurfaced via this company ). Please help!!

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 2015-05-15 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Google Compare Credit Cards Inc.
State: PA

Complaint narrative:
Google wallet allowed a cancelled payment to come out of my account without my authorization. They need to return this money to me as it was in my account period.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A.
State: TN

Complaint narrative:
I have went through the entire process of the loan modification making the test payments required submitting all documents they requested and at the end of the process they send me the paper work for me to sign and its incorrect. Flagstar bank is refusing to give me a loan modification because of incorrect paperwork that they sent out for me and my estange wife to sign that she will not sign. She is not on the loan nor the property deed and she refuses to sign the paperwork because Flagstar has her listed in the documents as being responsible for the modification. I have called them several time and they are refusing to remove her name or send a letter stating she is not responsible for the financial obligations. They are trying to force her to sign something and she has no legal rights to it or foreclose on the house.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
pay pal has put a charge back on my account and will not re move it even, when the card company paid the charge ( has been given conformation number several times ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-11 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
We 've had a PayPal account for years and years. In XX/XX/XXXX, however, Paypal pulled our credit report and converted our standard PayPal account to a revolving credit account. We were unaware of the change, so when we thought we were making a conventional PayPal transaction on our existing account, it charged this new line of credit. Making it worse, we then got no statement in the mail, so did n't know we had n't received a bill for this account we did n't know we had. Learned of the new account- and missed first payment! - only when applying for a mortgage. Called PayPal- they refunded the late fee but now I have a black mark on my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: I.C. System, Inc.
State: CA

Complaint narrative:
Company ... IC SYSTEM INNACCURATELY reported to XXXX XXXX on XXXX XXXX, 2015. They VIOLATED my FCRA rights. This account was part of a Chapter XXXX Bankruptcy and THE OTHER VIOLATION OF MY RIGHTS is that THEY NEVER informed me of the new reporting. It is ILLEGAL for IC SYSTEMS to report to XXXX XXXX on an old account over XXXX years ago as a new account and it was a BK involvement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
I attempted to purchase XXXX {$85.00} XXXX gift cards with my credit card via Paypal 's website. For unexplained reasons, I was only able to purchase XXXX of these as intended. For the last XXXX, PayPal only gave me the option to purchase with PayPal Credit. I reluctantly did so. No disclosures were made to me as to the details of the transaction with them to the best of my knowledge, but I was generally aware that they offered 6 months interest free on the purchase. 

I monitored my account on at least a monthly basis, as I wanted to make sure and avoid the interest. Each " e-statement '' I was e-mailed indicated a balance of {$170.00} and a minimum payment of {$0.00}. I was waiting for a statement that indicated a payment due so that I could pay in full and avoid interest. However, the first statement I received that showed a payment due was this month, and {$18.00} was already added to my balance. I had no warning that this interest would be added, and had never received any statement that seems to have indicated that the deferred interest would be charged until it already had been. I called Paypal and spoke to both a representative and a supervisor- the latter after approximately 20 minutes on hold- both of whom claimed they were not allowed to waive this interest, even if I paid in full today. 

I inquired as to the reason I was forced to use PayPal credit for my purchase instead of my credit card. The supervisor told me that sometimes there are purchase limitations for credit card purchases based on account history, but he said that my credit line had been open for some time and always in good standing, and that he ca n't understand why I would have been limited in this way. 

I believe that it was abusive to force me to use PayPal Credit ( apparently without justification under the company 's own policies ), and that it was deceptive to charge me more than 10 % of the balance without any warning, while leading me to believe that no payment was yet due.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Flagstar Bank, N.A.
State: GA

Complaint narrative:
we applied for streamline refinance with XXXX XXXX XXXX, at the present time our loan was with Flagstar Bank. They sent us a payoff statement, which was paid by XXXX XXXX to the penny, now they are saying there was a XXXX short. We had XXXX in our escrow account. the closing was handle by a lawyer. How can they say there is a shortage after the loan has been paid in full according there letter of payoff. At this point they have taken the XXXX out of our escrow account without our permission. Our lawyer has written them XXXX letters which at this time he has had no response. In XX/XX/XXXX they said we had XXXX shortage in escrow, which we paid even thow the could n't or would n't tell us where the shortage money went. Now after closing on the loan they are saying there is a XXXX shortage.How can they say we owe more after the loan has been paid, by their figures. 
They are saying it needs to paid to complete payoff loan, complete the property lien release, and release the lien from our credit and/or avoid reporting to the credit bureaus. This last letter was written on XXXX XXXX, we received the letter on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: SC

Complaint narrative:
I wish I had know about the CFP years ago, but I could use your help now. I was foreclosed on by PHH but filed a countersuit against them. All of that is over now but PHH refuses to send me monthly statements. I 've called them and sent notes with my payments. The second call about a month ago they told me, they would send statements. I am not 100 % sure what the payments are and fear getting in trouble with them again. My house will be paid off in a couple of years but meanwhile, lots needs to be fixed, etc and I ca n't get a loan. I 'll look some more at the website but if you could get them to send me monthly statements, I would really appreciate the help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: PA

Complaint narrative:
I was XXXX years of age my mother and cousin used my name to apply for XXXX a a kiosk, they did n't pay for the service and I returned the boxes after service was disconnected after I was charged

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 2016-12-19 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I have no knowledge of said debt and I would like to have it removed as it is reporting to the credit bureau as an open account and negatively affecting me

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 2016-12-09 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XX/XX/2016 PayPal credit opened an account in my name without my consent. A charge of {$190.00} was added to the account. It may have been opened it in an outright fraudulent manner ( as in the XXXX scandal ). Its also possible that it was done deceptively in the on-line " check-out '' or " pay with Pay Pal '' process of an on-line purchase. i.e., it was set-up where the purchaser would have had to " opt-out '' of opening a PayPal credit account in the course of submitting a payment. In any XXXX, I DID NOT wish to open a credit account with Pay Pal. More payments which I thought were being made using traditional " Pay Pal '' continued to charged instead with " Pay Pal Credit. '' {$180.00} was made on the account on XX/XX/2016. Other charges were made in XX/XX/XXXX, mainly several payments to XXXX. I received no bills or notification by mail or even by email until XX/XX/2016 when I was suddenly notified that I had an overdue balance which had accrued interest and a service charge of {$25.00}. When I was finally able to contact them via phone on I was told that the service charge would be credited to my account. It was not. Under duress and fearing for my credit rating, and to avoid the time and headache of a dispute, On XX/XX/2016 I paid the balance and the interest charges which totaled {$420.00}. I was told that the account ( which I had never opened ) was closed and that there was a zero balance. However I continue to receive notices of an outstanding balance and interest charges accruing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CBS Collections, Inc
State: WA

Complaint narrative:
Person is Qualified XXXX Beneficiary ( XXXX ) and even though XXXX were aware of the qualifications, they still sent her bills into collections.

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 2015-04-11 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I received a statement from Paypal Credit saying I owe {$840.00}. I never applied nor received nor used a credit card from Paypal Credit. When I called, they wanted " personal information '' which I would not give. I ended up hanging up on them. I am XXXX years old and on Social security. I do n't need this aggravation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-23 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Paypal has been limiting, freezing, and holding random accounts so the money that 's in the account can not be used/accessed so they can use the money they freeze, to operate their business!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
Flagstar Bank is charging me for late fees that I have not incurred. I have called the bank multiple times but they have not resolved the issue and now they are threatening me with reporting me to the Credit Bureaus. My credit score in the XXXX 's because I have never defaulted on any loan. 
I have paid my Flagstar Mortgage payment on time before the XXXX of each month since XX/XX/XXXX without falf every single month in advance to this date. 
The problem seems to be that on XX/XX/XXXX they charged my account {$6200.00} for " insurance '' this was an incorrect charge since I had secured XXXX XXXX XXXX on my own as stipulated. It took many long phone calls before they wrote off the bogus charge. Then for no reason at all they sent me a check for {$1300.00} XXXX new this was either an error or a scam and I did not cash the check. I spoke on the phone with XXXX of their agents who identified himself as XXXX and I asked him to place a stop payment on the check. As a result of this book keeping changes they decided that my payment checks were 1 month late instead of being a payment in advance as they are and now they are charging me late payment fees that I do not owe. My mortgage payments to Flagstar Bank have always been made automatically form my XXXX XXXX Bank account and always on time and I have the records to prove it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-13 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: FL

Complaint narrative:
IC SYTEMS INC. CLAIMS I OWE AN UTILITY COMPANY {$140.00} SINCE 2014. I DO NOT OWE ANY MONEY TO ANY UTILITIES COMPANY. I HAVE NEVER BEEN INFORMED ( VIA PHONE NOR IN WRITING THAT I OWE THIS AMOUNT. ) THEY HAVE REPORTED THIS INCORRECTLY AND IS AFFECTING MY CREDIT REPORT.

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: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Flagstar Bank, N.A.
State: MI

Complaint narrative:
I am currently in the process of looking for financing for my first home. I contacted Flagstar XX/XX/XXXX, XX/XX/XXXX to get pre-approval for a mortgage. I contacted this company because the Michigan State Housing Development Authority listed a representative named XXXX XXXX as an experienced MSDHA lender. I contacted XXXX XXXX and gave her all my required information to get a pre-approval. I spoke with her a couple times and the last time she advised me she would call me back with the information the next day. I did not hear from XXXX XXXX by XXXX the next business day, so I gave her a call. She advised me that she had actually resigned and would advise her former manager to take over. This threw me for a loop and frightened me. I was not sure if this lady was legit and I had given her all of my personal information. I contacted another officer at Flagstar named XXXX XXXX and he advised me that in order to take over my file it would have to be transferred to him. He advised me that he was not allowed to take on someone else 's case and provided me the number to corporate. I spoke with an operator from corporate who provided me the number of regional director, XXXX XXXX. I contacted XXXX XXXX twice and left one message. I never received a response back. I called the corporate branch office and spoke with a very pleasant and helpful XXXX XXXX who contacted XXXX XXXX and advised me that he would call me back after his meeting. Eventually XXXX XXXX 's former manager XXXX XXXX got in contact with me and advised me that my file was transferred to him. He advised me that he would need to call me back the next business day because I was seeking MSDHA assistance and he had little to no knowledge of the process and would need to seek assistance from a colleague. He did not call me back. So after XXXX on the day he advised me he would call me back I called him and left a voicemail message. It has been 23 hours and I still have n't not heard from him or anyone at Flagstar.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
I was victim of identity theft, I do not owe this, already claim it with XXXX and it was remove from my credit report

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 2015-09-02 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
I was misled into applying for PayPay Credit. I did not knowingly or willingly request PayPal Credit. I submitted a {$28.00} payment request through PayPal. Possibly I clicked on some button to confirm payment that coincided with this PayPal Credit inquiry request ; however I believe this to be a misleading and deceptive marketing tactic that was not known to me. I have contacted the company to remove the credit inquiry request, but they are not able ( or willing ) to help. My credit score is negatively impacted by this credit inquiry request for credit. I am hoping that under Dodd-Frank or Consumer Financial Protection regulations that my credit score can be rectified and PayPal Credit punished for these deceptive " automatic '' enrollments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I signed up for and verified my account with Venmo XX/XX/XXXX. On XX/XX/XXXX, I referred my landlord to the service and paid rent to them. The money immediately left my account but was not delivered to my landlord. I requested they call me, they refuse to call me. They refuse to return my money. They refuse to pay my landlord. I have asked for a timeline for when the " investigation '' will be completed. They a unable to provide this information. They user agreement indicates investigations will be resolved in 10 days. I have been told directly they will take as much time as they feel like to resolve the issue.

Company response to consumer: Closed with non-monetary relief