vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TN

Complaint narrative:
they will call constant from XXXX everyday about XXXX or XXXX times .from different phone numbers. when you try to answer it hangs up. 
they have learned to go around the block and leave XXXX to XXXX messages on voice mail. even when you speak with someone they will call back. this has been on going. they will call even with the 7 day grace periord. conn 's has over done it so many times. 
the call from XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-28 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have paid my bills on time and have a good relationship with my creditors. However, my new Dicks Sporting Goods Credit Card issued by Synchrony Bank lowered my available credit by XXXX % in less than 30 days with little or no warning until a letter was mailed explaining the reduction after the fact. A reduction of my available credit has caused an increase in my overall credit utilization. Such constructive activity by the credit issuer adversely affects my credit rating where my credit utilization will remain high based on the extreme low credit limits placed by Synchrony Bank. If Synchrony Bank would have left my initial credit limit, then my credit utilization would not be affected, and my credit score would remain steady, secure and much higher than it is today. I could understand if I was in default or habitually behind in payments, which I was not. Constructive credit practices by lenders that affect credit reporting without recourse or corrective measures should be unlawful or illegal especially when there is nothing wrong with the credit 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 2016-06-08 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Jcpenney have me on collection for nothn owed in XXXX never had a card from them. XXXX also has a collection from XX/XX/XXXX that I have never applied for or owe anything It is a couple other debts that are from XX/XX/XXXX that are pass the 7 year s

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 non-monetary relief
Consumer complaint received 2016-09-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Collector sent me a notice that stated I owed XXXX for XXXX. 
I do not owe anything to XXXX and have not used XXXX for over 10 years. I 'm an accountant and I pay all my bills on time. I do NOT owe anything to XXXX. 

The company 's name is IC System phone XXXX Address : XXXX XXXX XXXX XXXX XXXX MN XXXX Also, this company called me first, and asked for my address. They did not disclose who they were and that they were trying to collect a debt. Also, I have been getting phone calls from all over the United States. They call and then hang up.

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 2017-02-14 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MP

Complaint narrative:
Hello. Please, help me. 
I won the bidding on Eby.com for an XXXX XXXX. ( XXXX XXXX XXXX XXXX Set NEW + Warranty ) ( XXXX ) ( Seller : XXXX ) The seller suddenly canceled the transaction on ebay. and sent me the Paypal invoice for {$500.00}. 
I felt a little weird but He tried to persuade me. anyway I made the payment via Paypal. 
But after getting my money, He went out of my reach and never reply me back. 
He is so suspicious. I think he is committing a fraud for getting my money, {$500.00}. 
By checking our message on Ebay, you can find it out. 

Please, help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-12 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XXXX XXXX, 2016, several fraudulent charges were made against my Paypal account. After working with Paypal I was able to get XXXX of them reversed, however the largest one, a personal charge issued to a man apparently located in XXXX, was ruled against me. This was communicated to me with vague language and no explanation, and when I tried to find out way I was told that because I 'd informed my bank that these charges were fraudulent and my bank had ruled in my favor, Paypal had opted instead to stop trying to charge my bank and instead charged my Paypal account directly. I know noone in XXXX, have never been, and have no family or other connections to the country, and object to both their ruling against me and the lack of any details as to why they did so, combined with their refusal to provide me further information over the phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-03 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XXXX XXXX, 2016 XXXX submited a credit inquiry on my behalf unauthorized. I found out about the pull on my credit as I am in the process of purchasing a home and going through the mortgage process. I did not know what " XXXX '' was, but 5 minutes of diligence turned up a result that it was PayPal Credit and that the CFPB had taken action against PayPal Credit for similar practices within the last year. They do not seem to have ceased making unauthorized credit inquiries and I am concerned about the impact it will have on my mortgage application process. I do not currently know the damage but it could be significant if the rates on my mortgage increase based on the decreased credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Charleston Area Medical Center
State: WV

Complaint narrative:
There is a {$1.00} charge on my credit report. I contacted Health Care Financial XXXX ans was informed they do not have balance of {$1.00} on any of my accounts with them. All accounts were paid off in XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Account Management Services, Inc.
State: CA

Complaint narrative:
I received a notification on a credit monitoring site that I had a new collection. I went to obtain my free annual credit report to view the details of this alleged collection. I saw a creditor listed that was not a company I have had an account with in the past or present. They stated the original creditor was an XXXX XXXX XXXX. I have not received not XXXX statement regarding a current or past due bill from neither company. I have not received any voicemails from either of these companies. I would n't have even known this is being reported if I was n't using a monitoring service. I have not worked to maintain my credit in very good standings to have what is reported as a {$250.00} bill drag my credit score down. This company has n't done any verification or validation. My address and phone number has been the same for more than five years. Yet, I have not been sent not even XXXX bill, invoice, or statement. I am just automatically sent to collections without any type of notice that a bill ever existed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Paypal will not release my funds since XXXX/XXXX/15, withholding for 180 days until XXXX/XXXX/15, unlawful violation of " Regulation CC ''. XXXX XXXX, acct # XXXXXXXXXXXX, XXXXXXXXXXXX, XXXXXXXXXXXX. My contact number XXXX.

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 2016-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XXXX XXXX, XXXX, PayPal sent me a notice referencing Case ID XXXX and indicating that access to my PayPal account ( XXXXXXXXXXXX XXXX " has been limited '' until PayPal " hears back from [ me ] '' in regards to a PayPal account registered to XXXXXXXXXXXX that posts a negative balance of {$710.00} dating back to XXXX. I immediately called the PayPal collections department at the number provided XXXX XXXX ) to address the issue : I spoke with XXXX for more about thirteen ( 13 ) minutes and was instructed as follows : 1. The {$710.00} balance dates back to XX/XX/XXXX and reflects a reimbursement of unauthorized charges on my account that PayPal made to me, in anticipation of an eventual reimbursement by my bank in Pennsylvania ( which was investigating the charges ). 
2. A restriction has been placed on my current account ( i.e. I am unable to make any withdrawals ) until the {$710.00} balance is paid. Furthermore, PayPal threatened, in writing, to " use funds from any linked account to pay for any negative balance [ I ] may have. '' 3. PayPal promised to send me a " letter of debt validation '' in short order, but declined to provide details of the transactions in question ( in violation of 15 USC 1692 ( g ) Sec. 809 ( b ) of the FDCPA - as discussed infra ). 

The limitations Paypal has placed on my current PayPal account are illegal, constitute harassment and are actionable in a court of law for the following reasons : 1. The Pennsylvania Statute of Limitations on written contracts, oral contracts, promissory notes, and open-end accounts is four years. 42 Pa. C.S. 5525 ( a ). Besides the fact that PayPal is unable to provide me with documentation of the transactions in question, the debt in question is well past the statute of limitations. 
2. The Fair Debt Collection Practices Act ( 'FDCPA ' ) prohibits " abusive, deceptive, and unfair debt collection practices by many debt collectors, '' 15 U.S.C. 1692 ( a ), and any debt collector who is found in violation of the FDCPA is liable for actual damages & statutory damages not exceeding {$1000.00}. 15 U.S.C. 1692 ( k ) ( a ) ( 2 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
As a XXXX employee, I was subject to unpaid XXXX in XXXX and XXXX XXXX and was looking at having to choose between mortgage payments and feeding the kids. Up to that time, every payment since XXXX had been on time. I contacted the holder of my VA mortgage, Flagstar Bank, and was told to submit hardship paperwork and they would look at a loan modification or other solution. I submitted - and heard nothing back. Calls to my 'single point of contact ' - no one else could discuss the situation - went to voice mail and were never returned. Submitted again in XXXX XXXX ; no response. Called by a VA rep in XXXX XXXX and submitted a XXXX time, with copies to VA - again, no response. In XXXX XXXX, notified of intent to foreclose. Hired an attorney and on XXXX XXXX, XXXX, received a TRO stopping the foreclosure. Flagstar attorneys moved the case to federal court and created a situation where my attorney fees would escalate dramatically. My attorney got an agreement to dismiss the case without prejudice and a promise the Flagstar would actually look at my modification request. Never heard back from Flagstar until recently, when I again received a foreclosure auction notice for XXXX XXXX. After repeated calls to Flagstar, I finally got a live person on XXXX XXXX and they sent a modification package - received XXXX XXXX - which states they can not stop foreclosure unless received more than 37 days out. Throughout this process, Flagstar has engaged in many of the same actions that were the subject of XXXX XXXX consent order.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Mortgage Research Center, LLC
State: WI

Complaint narrative:
I applied for a mortgage with VeteransUnited XX/XX/XXXX. I provided them with all pertinent information regarding employment etc. They advised me that I was approved for a mortgage loan and provided me with a pre-approval letter. I then found a home and made an offer. During this process I kept in contact with the lender to ensure that there were not going to be any unforseen hurdles. I was continually assured that there were none and that everything was on track. The lender ordered the title work for the property and I had an inspection done on the home. We were set to close XX/XX/XXXX and I had locked the interest rate for the loan. One week prior to close, I received a letter from the lender stating that they were unable to approve my application at this time. Upon contacting VeteransUnited, I was informed that because I did not have 12 continuous months of employment that I did not qualify for a VA loan. I explained to them that the layoff was seasonal and occured every year and that I had contacted the VA who advised that a seasonal layoff is irrelevant regarding obtaining a VA guaranteed loan. I told them that I had paid for the home inspection and had expended a lot of time and energy, not to mention money in faxing them documents and the inspection fee, to which their response was that maybe XX/XX/XXXX of XX/XX/XXXX. However, with another seasonal layoff with that employer inevitable, it is hard to imagine how they would overlook the continuous 12 month employment issue. It was also pointed out that there are several statements on their website regarding employment which boiled down to that all they require is income to satisfy the mortgage payment and normal living expenses.

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 2016-03-18 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
My name is XXXX XXXX. A few years ago PayPal opened a credit account under my name without authorization, at some point a purchased was pushed to that account. At the time I was unaware of this until PayPal insisted I make a payment on the account or risk my credit report ranking. After some wrangling back and forth I paid the dept and PayPal assured me they would close the account and would ensure it would not happen again. A few weeks ago I got another demand letter from PayPal with regards to yet another " open case '' regarding my PayPal credit account, demanding payment and notifying me they have been reporting the delinquency to the credit agencies. I am refusing to make payments- this account was never authorized by me and I did not want a credit account. My credit is steller and I am virtually debt free- I dont need credit from PayPal and this cycle has to end. What can I do here? Seems nothing I do will stop them from opening unauthorized accounts and feel there is no way to punish PayPal for doing this other than to pay a lawyer out of my pocket to formally get them to stop- however dont believe the financial burden should be placed on a consumer who never authorized an account to be opened in the first place. Please advise ... I 'm sick of this company getting away with things like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
I sell on XXXX. I have to use paypal as part of their requirements. Paypal when you purchase something takes the money immediately out of your bank account. However when depositing they take sometimes up to 6 days if it falls on a weekend. Then my credit union holds the money sometimes a day. I buy and sell so not having my money in my hand is hurting cash flow. I believe this holding money is a significant drag on the economy and there is no justification for such a long delay. The banks also do this when wiring money from bank to bank or processing a refund on a debit card. Is there a law that limits them. Is there anything you can do to speed up this process. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I have a Paypal account that I have used for over 10 years primarily to make purchases. On XXXX XXXX, 2016 my Paypal account was frozen with the message, " Your account access has been limited for the following reason ( s ) : XXXX XXXX, 2016 : We would like to learn more about some of your recent transactions. '' I called Paypal and spoke with XXXX, who told me that she could give me no information other than that my account was frozen for 180 days. My issue was escalated to XXXX. He told me that the account was frozen and the money was being held to deal with any potential disputes with my account. He also could not tell me what transaction was the problem or why my account was frozen. 

I tried contacting Paypal again on XXXX XXXX, 2016. I received a message back that my account was permanently limited and my money would be held for 180 days. I currently have {$3100.00} in my Paypal balance. This money was primarily loaded from my personal checking account to make purchases. Paypal has locked my account and is attempting to keep this money without offering any explanation. The closest I have got was that it was held for potential disputes. But this is ridiculous as there have never been any disputes in my account in the over 10 year history it has been open ( and also none since they limited the account nearly 3 months ago ). It appears that Paypal is attempting to steal my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-15 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XXXX XXXX, a PayPal Credit account was open without my consent. A credit inquiry was made by PayPal credit with XXXX. Once I found out I immediately notified PayPal credit of the fraud and closed the account. I was told to fax in a letter explaining the situation and PayPal Credit would contact XXXX directly and have the inquiry removed. I faxed the letter and received a letter from PayPal that I need to contact XXXX myself. So I did so and XXXX informed me that PayPal must contact them directly, I can not resolve the issue alone. So I informed PayPal of this and again they told me to fax a letter explaining everything and they would handle it. I sent my XXXX fax to them and received the same letter as before saying that I must contact XXXX directly. I called PayPal again and spoke with a manager named XXXX XXXX she basically told me its my problem and they refuse to do anything for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
PayPal has Deactivated the service for me. 

Please see Documentation for more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I sold an item on E-bay and the buyer deposited my money in PayPal. When I tried to with-drawl the money I received the following reply. 

Why is my account access limited? 
Your account access has been limited for the following reason ( s ) : XXXX XXXX, XXXX : We need a little bit more information about you to help confirm your identity. 
( Your case ID for this reason is XXXX. ) XXXX XXXX, XXXX : Before we can offer you certain products and services, federal regulations require that we collect specific information to verify your identity. This information includes your name, address, date of birth, and National Tax ID or Social Security Number. We have n't been able to verify your identity using the information you provided, so we need some additional documentation from you. 

Until this issue is resolved, you 'll be able to log in to your PayPal account but you might not be able to add money to it or use some of your account features. 

( Your case ID for this reason is XXXX. ) I tried to resolve the situation and get money money but PayPal will not release it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: TOWNE MORTGAGE COMPANY
State: CO

Complaint narrative:
The XXXX group located at XXXX XXXX XXXX XXXX XXXX . XXXX, XXXX, MI is servicing my loan. Last month XXXX was servicing my loan. I paid XXXX my full mortgage payment and the funds were taken from my account. TowneMortgage group is now charging me for XXXX full mortgage bills and XXXX still has my money. I have been trying to get in touch with both groups for 3 days with no calls back or response. I have also been trying to remove the PMI off my loan and XXXX has never responded to my requests. Please help.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation