BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-22
Company: Paypal Holdings, Inc
State: NC
Product: Prepaid card
Sub-product: Payroll card
Issue: Managing, opening, or closing account

Complaint:
my paypal account was permanently limited, and the fund in my account was to be held for 180days. 

I aske Paypal to release my fund immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: Paypal Holdings, Inc
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Paypal signed me up for a Paypal Credit account without my knowledge. 

I found out when they did a hard hit on my credit report. 

I never authorized this and I do not need or want paypal credit. This is deceptive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-03
Company: I.C. System, Inc.
State: DC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I got notice that a collections was placed on my XXXX credit report by IC Systems. Upon review, I found out that it 's the same account and amount that I had previously requested to be removed from my credit report. It appears that IC Systems has re-reported the same debt after they 've confirmed that it will be removed from my credit report. 

Attached are my XXXX credit report dated XXXX XXXX which shows entry of collections account from IC Systems, XXXX/XXXX/XXXX letter to IC Systems asking them to validate the debt, XXXX/XXXX/XXXX letter from IC Systems stating they will remove the account from my credit report, recent XXXX credit report dated XXXX XXXX showing that IC Systems has reported the same debt for collections. I have sent a dispute to TransUnion for this account. This debt arose from identity theft when my purse was stolen in XXXX XXXX ( in support of this, attached is the police 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 2016-01-07
Company: Paypal Holdings, Inc
State: OH
Product: Credit card
Issue: Transaction issue

Complaint:
Purchase several items with my PayPal account and found they had put it on a PayPal Credit Card I had no idea was issued to me with a high interest rate and then tried to charge me late fees. It took me 3 months to get the mess straightened out and several phone calls. I paid off the card in full and told them to close the account. Then they had the late fees hanging out there and I had to contact them again to drop the charges. What a mess. I will NEVER do business with them again. What a scam, naming a credit card the same name as PayPal but with the word Credit after it. I already had a credit card linked to my PayPal account and the whole time I thought I was charging things to that credit card only to find out it they had changed my " method of payment '' to PayPal Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Original Institution XXXX XXXX which has been deleted from all the credit reporting agencies, Cavalry is a collection agency which is a 3rd party company, this account confirms full payment paid. Please Delete Cavalry from credit profile. 

Respectfuly, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-26
Company: CNG FINANCIAL CORPORATION
State: TX
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
I received a payday loan from Check and Go and had an emergency and had to pay the fees and asked to borrow more money. XXXX times I spoke to a representative they told me that I could make payments at any time, not just on the next pay-day. I asked this question specifically, and they told me yes, I could make payments before the due date. When I attempted to do this, I was told I could not do it. Each time that the finance fees were charged, the loan just exponentially got bigger and bigger. I feel like they took advantage of me when I was down and now they are calling from a company called XXXX and telling me I am going to be sued. I told them that I would have to make payments and asked a few questions and the representative from the claims department started yelling at me. They are going to serve me with papers and take me to court and they told me that I did n't have to be there and that they would get a judgment against me for over {$3000.00} and garnish my wages. The loan was for XXXX, but now it is approximately {$1700.00}. I do n't think this is fair and I think that they lie to applicants. Please help m e.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XXXX XXXX XXXX XXXX were calling me last year about this debt which I was sick last year with XXXX XXXX and never made a payday loan with check n go, so they were calling me everyday stating that they were going to go to my place of employment and serve me court papers if I do n't call them, and also calling my husband threating him because they never could talk to me, due to me having XXXX, so RS, put this on my credit report, and I have disputed this with XXXX, but it is stil on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: I.Q. DATA INTERNATIONAL, INC.
State: DC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Firstly, I never received any notice of this debt. I did not receive a phone call, nor did I receive any written notice. This debt went directly onto my credit report with ZERO form of notice. Which makes this scenario twenty times worse is that I do not owe this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18
Company: Paypal Holdings, Inc
State: CT
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
This is my second complaint about PayPal. They originally set a reserve on my account that was for about {$8300.00}. I was notified and found it unfair. However, they refused to make any adjustments. 

Now, without any warning, they 've kept much more than that. Every time I get a new payment through PayPal they increase the reserve. As of now they have nearly {$10000.00} in the account. They say this is decided based on your risk factor, including - credit score, payment amounts, disputes against you. Since the first reserve was set, my credit score has increased, I 've taken a smaller amount in through PayPal to avoid being high risk and I 've had ZERO disputes against me. This is bizarre. 
Not to mention the last number they gave me is {$9.00}, XXXX for my reserve and they currently are holding MORE than that. The same day customer service gives me that number. Really? I highly advice against using PayPal for business - I 'm using multiple other merchants right now and they treat me amazing. PayPal is basically stealing from me every time I take a payment ( Considering they give no warning and change the number as soon as a small payment goes through ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: LENDER LIVE
State: SC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
1 ) Repeated failures to mail the monthly loan statements to our home in time for us to mail payment and make the first of month due date. For example, today is Sunday XXXX XXXX and we have still not received the XX/XX/XXXX Statement. We pay by check because we always add varying levels of additional principal to our mortgage payment. 
2 ) We are also experiencing very long time periods from the date we mail our mortgage payment and the time our payment is shown aas being received by them. Note that because of the above stated problem of not receiving statement in a timely manner, we ALWAYS try to mail our payment on the same day we receive the statement. 
3 ) The additional Principal paid with the monthly mortgage payment is not credited to the Principal Balance until the month after the mortgage payment is credited. 
4 ) Note also that I have called and talked to them about these issues, They stated that the Company is in the process of consolidating their loan processing centers and this is the reason for all the delay issues,

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: LENDER LIVE
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My husband and I bought our first home in XXXX 2014, we refinance in XXXX 2014 with a company named United Security Financial Corp. they gabe us a monthly payment to which they supposed to have all the correct information of the principal, interest, taxes and insurance. After more than a year with them we received a letter from them saying that we owe them more than XXXX dlls because the taxes were more than we paid in the scrow ammount. Now they have transfer our loan to another mortgage, but they increased our monthly payment more than XXXX dlls in order to pay the difference of what they pay for oir taxes and insurance. We have a budget for all our expensives and now with this mo thly payment they want us to pay it is just so bad for our finances right now. They should 've done the right tax search since the beginning so we will be alert of the increase. When i call them they told me that it is our problem and we are responsible for paying for it even though they made the mistake for not having the correct ammount for our taxes. I do n't know what to do now with this increase of my monthly payment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: Legal Recovery Law Offices, Inc
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
In XXXX Legal Recovery Law Offices XXXX Inc., in XXXX XXXX, CA, who was representing XXXX, filed a lawsuit against me for a debt for a credit card I had originally with XXXX. Since I was unaware of XXXX right to collect on this account, I requested validation of the debt. However, I received no response even after filing my answer to the court and even through the " discovery '' phase. Now, three years later on XXXX XXXX, XXXX, Legal Recovery Law Offices is now representing the buyer of this debt, XXXX XXXX XXXX XXXX XXXX, and has filed a " Memorandum for Trial Setting '' on this debt, which is now time barred according to last-payment information on my credit report. According to my credit report, the last payment I made on my XXXX account was XXXX XXXX, five and a half years ago. My understanding is that according to California law, debt collectors can not sue for a debt that exceeds the statute of limitations or is " time barred. '' I am writing a letter to the XXXX XXXX XXXX Court asking the judge to dismiss the complaint due to the failure of the plaintiff to validate the claim and the fact that the statute of limitations has passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06
Company: LENDER LIVE
State: AE
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Since XXXX XXXX XXXX XXXX ( Under Lender Live XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX ) assumed my mortgage debt from XXXX In XXXX 2015, I have experienced nothing but harassing phone calls and now false reports on my credit report. Each month through multiple harassing calls I have informed and provided documentation that my mortgage has been paid for the month and that the lender has cashed the check. Each month is a different excuse, such as : they misread the account on the check or when I sent it through their web site, I was told it was the wrong account. Now they are sending letters not to my mailing address, but to the house ( which is rental property ). Also, they have began placing late payment information on my credit report. I have documentation of all cancelled checks, verification of payments submitted, and email correspondence where I have identified the issue each month and provided the information for them to correct. I have never been late on a mortgage payment or had any issues until this company assumed the mortgage. I would like this matter corrected and my credit report adjusted immediately. Your assistance is appreciated.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-12
Company: National Credit Systems,Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I applied for an apartment but then withdrew my application. My credit was run without my authorization and now National Credit System is trying to collect from me. The debt was never validated and I never received any notice about the debt. The debt is now listed on my credit report with the bureaus. I want the debt removed, as there was no authorization to run my credit or incur charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: PNC Bank N.A.
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I 've been a loyal customer of PNC Bank for 10 plus years. Recently, they have started charging overdraft fees for pending transactions even when cash deposits have been made promptly and prior to these transactions clearing. I even have a flexible spending account linked to my primary checking for overdraft protection. This does not matter to them. After speaking to customer service serveral times, they can not explain these overdraft fees and just state that they are valid. PNC Bank has stolen several hundreds of dollars from me in the last several weeks. Blatant theft from loyal customers or any customer for that matter is not only outrageous but disgraceful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: PNC Bank N.A.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
On XXXX XXXX, 2016, I walked into a PNC branch and applied for a check ready loan. I was instantly approved for {$50000.00} " check ready loan ''. I took the check to the Auto Dealer and I was told the check is not valid since I wanted to add my family member to the title. I returned to PNC branch. At the branch, the representative was instructed to destroy the check and I need to apply as a joint application. The Branch followed instructions provided by the underwriter. The application was entered and it was status as denied " Straw purchase '' I returned to the auto dealership and the agent there was able to provide me with a loan. I have excellent credit and worked very hard to maintain a high beacon score of over XXXX. The decline given at PNC was one unacceptable and secondly, tarnish my good credit. I consider this to be bad business practice and very disappointed as a consumer. I believe the PNC underwriter handle this situation with limited information and did not try to clarify or rectify any misunderstanding. Bad business practice affecting consumers in a negative way. 
PNC Application Reference Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: PNC Bank N.A.
State: IL
Product: Credit card
Issue: Rewards

Complaint:
Several months ago I went to check the rewards points on my PNC credit card, which I have had for a couple of years, and realized I did not have any points. I called the service line to find out more about why I could n't find my rewards points on line and they said that I had opted out of the rewards program. I told them that is was not correct. I did not opt ouf of the rewards program and did n't know why anyone would. They said they 'd look into the issue. A few weeks later I received a letter in the mail telling me that becuase I did not notify them within 60 days of the opt out they could not credit me back all of my points, but as a " courtesy '' they would reward me my points for the last 60 days. I knew that I had not purposely outed out of their rewards program and so I called their service line, again, and asked to speak with a manager this time. He looked into the case and told me that when they ended their rewards program for the debit card, Their system must have also unenrolled my credit card from the rewards program becuse the two were linked and the debit card was the primary card for the rewards program. No where in the literature that I received about the debit card rewards program ending did it say that I needed to take action to ensure that my credit card would continue earning rewards points. As a result of them opting me out of rewards completely, I had not been earning rewards points for a year and a half. The manager calculated that I had spent over {$31000.00} on the card during that time and that they owed me over XXXX points. I 'm not a person who keeps very close track of my credit card points or choses a card solely for the points, but this felt like a lot of points to simply forfeit. He said he would submit the request for these points to be credited to my account but could n't ensure that it would be approved. Of course, it was not approved ( this was in XXXX of this year ) and the points have never been credited. I 'm to the point now that I am simply going to cancel the card. However, I wanted to submit this complaint because I 'm certain I 'm not the only consumer to which this has occured. It appears to me that a techical mistake on the part ( unenrolling the debit card and credit card at the same time ) of PNC is causing card holders to unknowingly miss out on their credit card points. Having workd in the XXXX for the last 7 years, this feel like an injustice that needs to be brough to light. The reference # of my case is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: Consumer Adjustment Company Incorporated
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This was a bill for {$350.00} which was paid by my insurance company to the Ambulance company, Now the a collection from an unknow company trying to collect {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
Citibank has a promotion that offers a {$300.00} cash bonus if certain conditions are met. One condition is to make at least a {$15000.00} deposit that is to be kept in a checking account for 60 consecutive days after the account is opened. Another condition is that within 30 days one qualifying Direct Deposit must post to the new checking account each month for two consecutive months after opening the new account. This last condition is difficult, if not impossible, to meet, especially if the so-called qualifying direct deposit originates at a government agency such as Social Security. Such an agency may require up to 60 days to make a direct deposit to an account. I have brought this matter to the attention of a bank 's customer service representative. That person stated that the bank may make an exception in such cases, but he could ensure me to give me this in writing. I am of the opinion that the bank 's management is aware of the inability of prospective clients to meet the time-restrictive Direct Deposit requirement. Some clients may not have read the fine print, opened an account with {$15000.00}, have a direct deposit post after the 30-day deadline and do not receive the {$300.00} cash bonus. Meantime the bank has the client 's money and earns a profit on it without compensating the client for the use of that person 's money. As far as I am concern this is a scam and an unethical business practice by Citibank.

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 2016-08-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
hello, there are XXXX things on my report that I have verified with XXXX XXXX XXXX that are incorrect on my Experian Report, and XXXX stated they have contacted Experian to remove this verbage and incorrect statements. " Paid in Settlement {$220.00} written off '' is a false statement, and inaccurate information.I was told by a XXXX representative, it should read Account Paid Account Closed. It also shows a CHARGE OFF in 2015. There was nothing charged off in 2015!!, and I want that corrected as well. There was no activity on my Honda Accord in 2015. Please help me. Thank you so very much!

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 2016-12-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Report did not reflect my financial status, thus a credit application to XXXX was refused

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