vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Paypal received a buyer complaint stating : XXXX/XXXX/XXXX XXXX PDT - Buyer : I WAS MADE AWARE THAT I WILL GET TICKETS AT THE VENUE WHICH WAS ON XX/XX/XXXX. I WENT TO THE VENUE BUT WAS N'T ALLOWED IN AS I DID N'T GET THE TICKETS AND SELLER IS NOT RESPONDING EITHER. I WOULD LIKE FULL REFUND I responded to this dispute with evidence and the case was decided in my favor on XXXX XXXX. I have indisputable evidence that the tickets were delivered to the buyer and that they did attend the event. I am attaching the email sent to the buyer with their electronic tickets for the event. 

On XXXX XXXX, I received the following correspondence from Paypal : We received a complaint from your buyer telling us the merchandise was not received Here are the details of this transaction : Transaction Date : XXXX XXXX XXXX Transaction Amount : {$1400.00} USD Transaction Number : XXXX Total Refund Amount : {$1400.00} XXXX Refund Amount Remaining : {$0.00} USD Invoice Number : Buyer 's Email : XXXXXXXXXXXX XXXX 's Name : XXXX XXXX After reviewing the issue carefully, we 've reversed the payment in accordance with our User Agreement and Seller Protection Policy. To make sure you had the money in your PayPal account to cover the reversal, your pending electronic or check withdrawals may have been cancelled. 

The buyer is lying. I provided proof to Paypal that the tickets were picked up and used for the event. Paypal has chosen to ignore said evidence. 

Paypal recently lost a class action lawsuit and had to pay a fine based on your efforts yet their business practices have not changed. 

Paypal attempted no further contact with me in regards to this decision. Paypal made no effort to check the validity of the claims raised by the buyer. Paypal is irresponsible in their handling of this. Paypal has a responsibility to properly investigate claims and review evidence submitted by both parties. 

This complaint is also being submitted to other governing authorities and I will be seeking arbitration at Paypals cost if they choose again not to resolve this case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: NC

Complaint narrative:
My loan was approved

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-24 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal permanently limited my account for reason that they can not tell me ( the customer service said this when I contacted they ). At the same time, they forfeited the eBay gift card I bought from supermarket that have already linked with this PayPal account ( I can only use those eBay gift card with the specific PayPal account. However, I can never use this PayPal account any more ). Regardless of the reason PayPal limited my account ( I did n't owe PayPal any money in any means ), how could they have the right to forfeit the eBay gift card I bought by my own money? If it is legal, PayPal could limit any account with the reason they can not tell us and forfeit all gift card that have linked to PayPal account!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Columbus Capital Lending, LLC, Miami, FL Branch
State: FL

Complaint narrative:
company refuses to release fha case number required by other lender

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Money transfers — International money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I had purchased goods via paypal services but have not heard from the company or received the goods. Initially received first item that had errors, so initially was told via email that he would rectify it by sending another one all we had to do was pay additional shipping. So we paid the Shipping on the XXXX of XXXX. He took the money since and we have not heard back from and of our emails. He is also a business overseas. We tried to deal with it properly through him first but he was very argumentative and disagreeable but then decided to send us a replacement as well as keep the original which we had already spent more money to fix what he had not done properly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-29 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: CA

Complaint narrative:
I am disputing account number XXXX with IC Systems because I have sent several dispute letters to the credit bureaus and it comes back verified every single time. I have contacted IC Systems to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. The account is also being reported as having a credit limit when according to the Credit Reporting Resource Guide & Metro 2 standards, credit limits only pertain to charge cards or revolving credit. Not collection accounts.

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 2016-06-06 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: WV

Complaint narrative:
PayPal refuses to close my account stating they require documentation from my credit card about a charge-back. ( Case # XXXX ) The charge-back was requested due to the following fraudulent transaction on eBay on which the item was not received. 
eBay has closed the seller 's account after an investigation of over XXXX fraudulent transactions from this seller and PayPal has refunded the transaction 's amount of {$36.00} to my credit card following their investigation. 


Seller 's Name : XXXX XXXX Seller 's Email : XXXXXXXXXXXX Seller 's Transaction ID : XXXX Transaction Date : XXXX XXXX, 2016 Transaction Amount : - {$36.00} USD Your Transaction ID : XXXX Case Number : XXXX Buyer 's Transaction ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 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: NC

Complaint narrative:
Because I changed from XXXX XXXX XXXX to XXXX, XXXX claim I own them a disconnect fee which I never knew anything about until I changed to XXXX. However, XXXX kept billing me after the disconnect and I paid the first bill. I feel that XXXX should have return the money for bill me after they had disconnected me. 

The people that is calling is IC System XXXX. They use to call XXXX a day, however, the called XXXX times today. 

Thanks for any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: MA

Complaint narrative:
I owe money to XXXX XXXX. They sent the debt to ic system, and they have been calling my wife about my debt repeatedly, even after saying they wo n't call anymore.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
I attempted to use PayPal to make a {$3500.00} from a credit card. Despite the fact that my credit card was listed as the payment method, the summary following the transaction stated that the payment would be drawn from my checking account. When I contacted PayPal, I spoke to a representative who explained I would need to contact the vendor or my bank to request a refund or stop payment, respectively. I explained that I would be responsible for an additional fee if I pursued either of those actions. The representative told me that PayPal was still in the process of contacting my bank. I asked that since payment had not actually been processed, that PayPal put a hold or cancellation on my payment so that I could correct which account was being used. She stated she was unable to assist me. I then asked to speak to a supervisor. After a significant amount of time on hold, I spoke to a supervisor named XXXX who was also unwilling to make any corrective actions. I asked to speak to his supervisor at this point. When he asked why, I told him that this is a consumer fairness issue. He again asked me why, and I reiterated the same response. He then told me " We will be happy to keep telling you the same information, '' and placed me on hold again. I then waited on hold for over 25 minutes before hanging up without speaking to a senior supervisor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-08 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
hello I had an account with paypal last year and purchased certain items from XXXX and never gotten my item so I filed a complaint and paypal shut down my account and refused to close it or let me close it but said go ahead and reopen a new account so I did with my same personal information. 
now with the new account I filed an item complaint in which I received my refund from the seller but paypal shutdown my account again and claim that I have too many complaints and I can no longer have a paypal account and refused to close my old account or new one what can the CFPB do for me. 
I want paypal to close both my accounts to be satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Army and Air Force Exchange Service
State: NC

Complaint narrative:
it in XXXX 2015, 15 years later. XXXX XXXX said they did n't and they did n't have too. They have no documents and said i could n't dispute it. It was never sent to collections nothing. I do n't think i owe a debt. Then they moved {$870.00}. If they made mistakes then and now why am i fighting and losing the battle. I think i shpuld have been notified instead of them just seeing that i had a credit and decide to take money. Where is the due process here? Why did n't it go to collections? Why am I being told i ca n't dispute it? What 's the statute of limitations?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Friendly Finance Corporation
State: MD

Complaint narrative:
they call me everyday sometimes 2-4 times in 1 day, they call my job 2-3 times a day, and they even send text messages everyday to my phone. Is there anything I can do, I owe them and pay but I pay late but the calls so often make life even more 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 2015-08-17 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc.
State: TX

Complaint narrative:
Hello, Today, XX/XX/XXXX, I received a phone call from " ARA, Inc. '' telephone number XXXX. The guy on the phone stated that I owe XXXX XXXX Bank -XXXX card {$6400.00}, which was a total that included balance and interest. The guy also mentioned to settle the account " Right AWAY '' with him via phone for {$2400.00} and that he will waive all the interest and charges fee. I replied by saying " NO, I do n't owe anyone anything, and I do n't recall that information. '' He said that this account was open XX/XX/XXXX. 

After that, he put me on hold and transferred me to another guy named XXXX XXXX, he wanted to settle the case for {$1400.00} if I provide him with my credit card information otherwise they will take me to court and sue me for total amount {$6400.00} plus attorney fees which will be over {$10000.00} total. 

The guy I spoke to has ALL my information such as the last XXXX digits of my SS number and my wife 's information. He also has my bank name and how much credit I have with XXXX Credit Card. He was forcing me to give him the information otherwise tomorrow morning, they will charge my credit card for {$6400.00} because they have some legal rights to do this. He told me to " Think about it '' and that this " this {$1400.00} offer is just for TODAY only '' and he will call me later. 

I received a call later from a different telephone number, XXXX, XXXX, from XXXX XXXX XXXX. I told him to send me a paper statement with this issue and he hung up the phone. 

I spoke to one of your representatives, Bureau of Consumer Financial Protection, I told her about what had happened, she said this issue seems like a fraud case and this claim is too old due to the statute of limitation in XXXX is XXXX years and now I am living in XXXX and the statute of limitation is XXXX years, if they take you to court, go to court and show the judge the statute of limitation for XXXX states. She also mentioned to file a complaint with you, Bureau of Consumer Financial Protection. 

Please I request you to look into this matter as soon as possible. 
Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11 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: Brown and Joseph, Ltd
State: AZ

Complaint narrative:
BROWN AND JOSEPH LTD is a debt collection company that has continued to send me letters and call me on the phone regarding a collection from XXXX XXXX. This collection was included in my bankruptcy and has already been discharged in XXXX 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
I have repeatedly requested that Progressive Management Systems provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Credit Service, Inc.
State: FL

Complaint narrative:
Called today and threatened me with liens on vehicles and bank accounts if debt not paid. The debt is not even mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: TN

Complaint narrative:
I was mailed instructions on paying my mortgage off early. We decided to wire the money in an account that the mortgage company provided. Our bank follow the instructions and wired the money. Three days had pass and I check the balance on this loan. The money was n't posted to my account. So I call the mortgage company. Their call center is in the XXXX. They submitted a research on this wire and never call back. At first they say we enter the wrong account number on the wire. Our bank checked with XXXX XXXX they told us the wire was in the right account. They will not return the money, that PHH needs to pull the wire. This has been going on for over three weeks and the mortgage company will not talk to us or returns any phone calls. We keep getting the run around. Where did my money go?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: NC

Complaint narrative:
My mortgage company changes my monthly payment without telling me! Although the principal and interest on my account does not change, the company also withholds escrow to pay insurance and property tax -- but they NEVER give me any warning when these amounts change. As a result, my loan amount ( which I pay by automatic deduction ) often goes into arrears. I then have to call the company -- but their customer service people always XXXX up getting the problem fixed. So I usually have to call them XXXX or 4 times to resolve the problem. And then several months later, the problem always returns. This has been going on for years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation
State: NJ

Complaint narrative:
I am a first home buyer. I brought the house 2006. The mortgage lender falsely stated I made a higher income in order to qualify me for XXXX mortgages with rate 6 %. I could not keep the payment close to XXXX because I had XXXX. I asked them for a loan modification. I mailed my loan modification package to PHH mortgage. I called my case manager, she said she did n't received it. Instead my house is on foreclosure. As a first buyer, the Real Estate Agent should explain to me the risk to accept the XXXX mortgages plus the other bills to pay. I maintained my payment for 8 years each month never late. Before buying a house people should know about property taxes, home insurance, oil tank where is located etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: INTEGRAL RECOVERIES, INC.
State: CO

Complaint narrative:
I had a {$30.00} dollar failure to appear bench warrant issued in XXXX. I did not pay the fee, it was sent to Integral Recoveries. It is currently {$45.00}. This XXXX particular fee is stopping me from obtaining my driver 's license. I called the agency and tried numerous times to pay these fees. Each time that I call I am told that I owe fees from a XXXX case. I was told that I can not pay the {$45.00} fee until I set up a payment arrangement for the XXXX case. The fees associated with the XXXX case are approximately {$2000.00}. I have been fighting this company ( same person every time I call ), for months now. I ca n't find any serious job prospect 's without my license. Please help! Thank you for your time!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: NJ

Complaint narrative:
PHH Mortgage XXXX auto drafted an additional {$300.00} over the cost of our mortgage payment and applied it to our principal interest monthly for 4 months, from XXXX 2015 until we placed with our bank, a block on all debits from them in XXXX 2015. PHH was faxed in writing the correct debit amount, called numerous times, notified that we no longer wanted Automatic Payment Drafting and continued to draft unauthorized funds and when notified applied them to principal interest of our mortgage without our consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Pioneer Credit Company, Inc
State: GA

Complaint narrative:
I Held the check Pioneer Credit sent me for about 30 days before cashing it. I call Pioneer credit before cashing the check asking them if I pay off the loan early will there be any prepayment or other fee 's and what will the pay off amount be since I will not have the loan for the full term. I was advised there are no additional fee 's and I can call in to get a payoff amount anytime. After cashing the check, more then 30 days later I never received a statement in the mail. Pioneer Credit called me stating I have a pass due balance, I told them I never received a bill, I was advise that they do not send out bills, I ask why did n't you disclose that? They said they just do n't do that and waive the late fee and advise me to go to the website and create a account. When the next billing period came around there website would not allow me to register, so I called them and was told there is nothing they can do about the website but they can manually send me monthly statements as a courtesy. I never received any statements from this company. Once I realize my bill was coming up with them, I call to pay and get the payoff amount. I was told by a female ( note I misplaced were I wrote her name down at ) it was {$2500.00}, I ask why is no money getting applied toward the principle, she stated she do n't know and put he on hold several minutes to look into, when she came back she said its only based on the full loan term. I stated I 'm not keeping this loan the full term I want to pay it off because there 's too many problems with this loan. She then became irate saying you signed for it just look at the paperwork. I then stated this company seem like loan sharks and ask to speak to the manager. I ask him the same questions he gave me a higher number XXXX and XXXX if I wait until next month. I stated what? that makes no since why is n't my balance going down? The manager stated he was not educated in that field and cant answer my question and apologize for it.

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