vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-27 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I have a paypal account, with around XXXX dollars in it. I want to withdraw my money back to my XXXX checking account. I tried two weeks ago, and it shows " Internal server error. '' I contacted Paypal customer service and they did n't reply. I tried again these days and it still shows " Internal server error. '' I tried every approaches, including change browser, clean history but all did n't work. Now they still did n't give me any response, and I really need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
When Paypal took over Bill Me Later, I was not notified and they let me charge XXXX dollars over my limit without ever notifying me the account was taken over by them and I had gone over my limit. When I found out, and I can not remember when or how, someone had already stolen XXXX dollars from my checking acct. That was refunded but they refused to do anything about the overage of credit. The reputable credit card companies would not let have let you do this. Paypal paid the other fraudulent charges also and they even sounded fraudulent ( which was the thing ) .When I complained, about the credit they had given me without my knowledge they closed he virtual account, and now I have no access to any documents to either Bill Me later Or Paypal. to know when this happened and how much and when I went over. Now I am paying thousands of dollars of interest on goods purchased that I can not send back.. I am also XXXX after 34 years and will have difficulty paying back. They called this am and told me I did no pay last month 's bill which I have been paying them over the phone. I will check on that so I paid up through XXXX. If I check my statement and I have paid it, I will complain about that. It would not be impossible to have missed it due to XXXX but I again told them I did n't get my statement. It really made angry. I believe they are dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: I.C. System, Inc.
State: OH

Complaint narrative:
I have a non-validated accout # XXXX that has been sold to your office. This is the third time I have had to have this old charged off account removed from my credit report. I have never done any business with IC SYSTEMS.Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt IC SYSTEM purport I owe.It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 
XXXX COLLECTOR XXXX Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein XXXX agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
Please provide the name and address of the bonding agent for IC SYSTEM in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.

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 2016-03-04 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: ID

Complaint narrative:
In regards to case XXXX Paypal has locked me out of my account. They tell me to access my account to see their response yet they conveniently locked my out of my account after you sent them my complaint. 
My husband is XXXX XXXX and your autofill put his name instead of mine. He is still allowed to discuss this issue and has my full permission as he knows all the facts and the credit card used was in his name also.. He is a licensed attorney and Paypals excuse to not discuss this further is not a solution. Paypal has my phone number, mailing address and email. Yet they still wo n't communicate and instead send unrepliable emails telling me to log in to my account to discuss this with them yet not allowing me to login to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 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: CT

Complaint narrative:
I recently pulled my XXXX major credit reports. This debt is appearing. It is not my debt. I have requested written XXXX from XXXX of the collection agencies/law offices and the original creditor. I requested XXXX over 30 days ago. I have not heard from the original creditor or the collection agency regarding this debt. I supplied a copy of my ID, my social security #, and proof of address to all parties. I was never in their facility/hospital/office. I have shown proof of residence as well as tax documents to show my employment was NOT in their area. I want this deleted from my XXXX as they have failed to prove it is my debt. In fact when I call the original creditor they have an entirely different name and social security # listed in the original file. This is what prompted me to send proof of ID and social security number. This is NOT my debt and I want it closed and removed from my XXXX immediately.

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 2016-07-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I am complaining about paypal decision on the claim I filed. " I purchased iphone 6s XXXX for XXXX on XXXX. I stated that I am buying it for my mother in another XXXX so I needed clean ESN but as it turns out it did not have clean ESN, it had unpaid bliss. So I waited to get to my home XXXX and then bought unlock service on ebay. It took a while, but today when we got message that phone is unlocked. We turned on the phone and finding out that it is on XXXX lock!!! Phone is not going through the activation process and asking for email and password. Unlocking process that we did, does not affect XXXX lock, it is written on apply website. Moreover, when we visited several XXXX stores, we were told than wrapping is not factory XXXX and that someone already re-sealed it.I am opening a dispute for this. I want either to get rid of XXXX or i want my money back! The phone is still new, I could even activate it or used because it has XXXX lock. '' I filed a claim asking to remove XXXX or sending phone back and get refund. Paypal decided the case not in my favor, so no remove XXXX or send phone back and get money. I have a phone that I cant use, I cant neither fix it or send it back and Paypal is deciding in seller 's favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I recently have been using PayPal to pay for XXXX rides I made while in XXXX XXXX. I realized on Monday, XXXX XXXX, that I was using the incorrect bank account. I placed a call to PayPal explaining to them my error and providing them with the correct bank account ( which they already had on file as a secondary payment source ). I was assured by the agent I spoke with that the change was made and that my incorrect bank account would be removed from their records and no longer charged. 

I incurred NSF fees with my bank due to the first few transactions before XXXX XXXX that were my error. I took care of these charges with my bank and assumed I was in the clear. Since XX/XX/XXXX, when I was told this bank account was removed from PayPals records, I have been charged 19 more times and, thus, incurred 19 more NSF fees of {$37.00} each. I have been to my bank multiple times hoping to at least minimize the damage on my end and they are unable to close my account while it is in a negative balance and I 'm unwilling to pay {$700.00} because of PayPal 's error. 

Since XXXX XXXX I have spoke with upward of XXXX people from PayPal, many with a different explanation, each assuring me the bank account would be removed and not charged any more. As of this morning, XXXX XXXX, it is still being charged. 

From the very beginning I begged and pleaded to get something in writing from PayPal 's customer service department verifying this. I was n't able to receive an email from them until Wednesday, XXXX XXXX, assuring me that there would be no more charges but I spoke to customer service MULTIPLE times before then. 

I 'm able to provide all documentation supporting my case including screenshots of my bank account showing all of the charges along with NSF fees. I am looking to recover the {$700.00} in fees I have incurred so that I can pay my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-01 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
When I tried to create a regular account with PayPal, they ran my credit and created a actually account with money on it that I had to pay back. I did n't notice until I got a email saying that I had a bill

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I C System, Inc. 
Phone : ( XXXX ) XXXXXXXXFax : ( XXXX ) XXXX XXXX, XXXX XXXX, MN XXXXXXXXSir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify I C System, Inc ACC # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : I C System, Inc any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Paypal.com in conjunction with a XXXX online order opened a " Line of credit '' in my former name XXXX XXXX XXXX billing me as Paypal Credit. The fees are high, as is the interest rate and as of XXXX/XXXX/XXXX I owe over {$100.00} on a purchase of {$41.00} made XXXX/XXXX/XXXX. 
The first customer service rep at Paypal told me that they do not have my SS # or birthday. Now a few days later, they say that they do. The advertising on the XXXX website for the paypal card is deceptive. 
Your agency nailed paypal for doing this with credit cards in XXXX XXXX according to XXXX Today. Now it appears they have found a way around the issues they were brought to court for and are issuing lines of credit instead. 
I have no paperwork from paypal stating the terms and conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Venmo is a money transfer application that withdraws money from one bank account and deposits it in another. There is a social media element to it, as people can publicly post what the money is for. After the XXXX embargo was lifted, my boyfriend, sister and I thought it would be great to surprise my father with plane tickets for his birthday. I transferred my boyfriend {$400.00} to cover the tickets for my family members, referencing XXXX in in the post as to what the money was for. I received an email that my transfer was being reviewed per OFAC regulations - apparently the reference to XXXX brought up an issue for National Security. 
I replied to the email, stating that we had since decided, for completely unrelated reasons, to change the trip from XXXX to XXXX ( The XXXX tickets that were on sale, which we initially were going to purchase, would have put us on XXXX for less than 24 hours. We chose to visit a city in the US where we could have a FULL weekend instead- XXXX , GA ). However, Venmo representatives continually stated that they needed my OFAC license or a detailed itinerary before they could refund the money. I can provide neither of these things, because Im not GOING to XXXX anymore. Its been 6 days and they still have not transferred or refunded the money. It has been taken from my bank account, and is being held in limbo out of my control. Attempting to explain this situation, I have called the customer support center, but apparently the 'compliance ' department that reviews money transfers like mine is unavailable by phone. They can only be reached by email. I am frustrated that the emails request the same, non-existent documents over and over again and I have no other way to speak to the compliance department. The money has basically been stolen for an overly extended period of time, with no refund date in sight. I filed a customer service complaint with the XXXX, and tried calling one more time to see what could be done, but to no avail. It is for this reason that I am hoping the CFPB can help me. Please look at the methods and services being implemented by this company ensure that they review threats timely. This is not a National Security team ; its a group of venmo employees playing recklessly with funds that are n't theirs, and it should not be allowed to take place this way with no first hand information or contact available.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
Our story began around XXXX of 2012 when my husband was out of work and my sister passed away.We used our funds to go see her before she passed.At this time we got behind a couple of months and there was XXXX other month we got behind so total 3 months. We went through a modification and for after a very long process of emailing, faxing and mailing the same papers over and over again.We paid our payments for a year and then finally they said they were going to send a paper for us to sign.We got the paper it was a subordination agreement.We called and asked who was suppose to sign it they said the court house, then we went there they told us no it was n't them.So over and over again for about a month we called Flagstar and they said different things each time.We were all over XXXX XXXX trying to get this paper signed.In the meantime we received no letter telling us a time frame and then XXXX day when I called to make a payment they refused it.This was not the first time they had refused they had also mailed back our payment originally when we first got behind.We have since been to court three times and payed alot of money to mail and fax the same papers over and over again and nobody there knows what there doing.We have had to apply now yet again for modification because of the paper they said we had to have signed that nobody could say who needed to sign has now forced us in to foreclosure.It has been emotional and stressful we just want an answer and we want people to never get a mortgage with Flagstar Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
My husband has a Bill me Later/Pay pal account. I went to make a purchase at the end of last year. When I went to pay put I put all of my husband's info like I always do, except this time I accidentally put my last XXXX digits of my social. They opened and account another account up with my husbands name and birthday and my last digits of my social. So we had a completely new account and was not aware of it for 4 months. The bill comes under my husband's name and I never open them I just pay them by phone on the due dates. I got a different letter in the mail saying that we were 3 months behind on our bill, which by the way we have never missed a payment with them in 3 years that we have been customers. I called to find out what was going on and was shocked that they had opened an account with a name their birthday and another person's last XXXX digits of the SSN. I asked them how in the world did they have the right to open the account with wrong and such little information. Now I have a huge min payment and was sent to the credit score people. My husband just told me about the fine that they were charged with. Will there be a class action law suit?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.C. System, Inc.
State: SC

Complaint narrative:
On all XXXX Credit Reporting BureausI am asking that th dated XXXX/XXXX/XXXX, There is a collection report with no account number or verification of what this collection is for. The Original creditor was reported by XXXX XXXX XXXX XXXX XXXX XXXX. When I tried to research this company, it only gave me air conditioner companies in the XXXX area. There is no such phone numbers or address I could find. It also gave the collection agency as IC System in XXXX XXXX, MN. It shows as open on XXXX/XXXX/XXXX and {$93.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Pay Pal put a TRICK credit card authorization in the middle a routine ebay transaction and opened a credit card account that I did n't want or even know I approved. They wo n't close it or take it off my Pay Pal Account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-23 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
This is a Paypal Credit issue. 
I have a different balance from XXXX XXXX to XXXX XXXX. 
I have NOT used Paypal credit since XXXX XXXX, 2015. 
I have NOT used Paypal Credit for four business days, yet the overall balance changes from XXXX XXXX to XXXX XXXX, 2015. 

I called Paypal at XXXX and XXXX. 
The responses did not address the balance change. 
It has to be some Hidden Fee. 

Thanks. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 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:
Regarding PayPal account holders. If you see a " hard inquiry '' showing on your credit report score by XXXX/PPC, it is PayPal. I was automatically applied for PayPal credit without consent.I never even considered applying nor did I see anything in writing warning me I was signing up. I have used PayPal ONLY to make purchases, when and ONLY when, I have the correct funds in my banking institution. Because of this " hard inquiry '' by PayPal, my credit score has dropped significantly which really makes me furious as I have worked very hard to be debt free and credit worthy. I will never use PayPal again and will use every opportunity to inform other people.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 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: FL

Complaint narrative:
I have never had XXXX OR XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
This matter has to do with PayPal. I have sold goods and I used PayPal to get paid and now PayPal wants to hold my money for 6 months with no cause. Paypal sent me an email requesting further information before the money would be released to me. They asked for an invoice of the goods, tracking information with weights and dimensions and my state issued drivers license. I provided all of the information the same day. Soon after they said they wanted me to pay on an old debt that my dad owes. Why would I have to pay for this?? He 's his own person and legally it 's his debt not mine. I 'm only XXXX years old and live at home with my parents and because the address is the same they want to pin my fathers debt on me. Makes absolutely no sense what so ever. I am not legally obligated and PayPal is holding my money hostage again I 'm sure not legal. My customer is happy with his products and it has been now 3 months.

Company response to consumer: Closed with non-monetary relief