BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-22
Company: Paypal Holdings, Inc
State: NY
Product: Money transfers
Sub-product: International money transfer
Issue: Other service issues

Complaint:
When paying a XXXX invoice of XXXX, I wanted to determine if I would be charged in USD before I used my XXXX XXXX card, so as to avoid foreign transaction fees. Otherwise, I would use a different credit card that does not charge such fees. I called PayPal on XXXX/XXXX/15 at XXXX Eastern Daylight Time and was repeatedly assured during a 14-minute phone call I would be charged in USD. I transacted the payment at XXXX EDT on that date. I was charged in XXXX, and XXXX XXXX added a foreign transaction fee of {$84.00}. When I called PayPal back on XXXX/XXXX/15 at XXXX EDT, I spoke to supervisor XXXX, who informed me that the only action available is to ask the merchant to refund the money. After disputing the charge with XXXX XXXX ( to no avail because this disputed the charge with the merchant directly, which is not what I need ), I attempted to communicate with PayPal again about this issue. I spoke to another representative who told me he would open an investigation and listen to the phone call in question to confirm that the conversation in question did in fact include the assurance that I would be charged in USD. He told me I would hear back in a couple of days. I never heard back, and a week later called back, and another representative told me again that they would investigate the matter, and that they saw no evidence of such a request on my profile. Again, I never heard back. I called back again on XXXX/XXXX/15 at XXXX EDT, and spoke to another representative for 15 minutes who was rather difficult and rude and stalled my request to speak to a supervisor. After I insisted to speak to a supervisor, I was put on hold for 30 minutes before hanging up and calling back at XXXX EDT, asking to speak to a supervisor immediately. I spoke to supervisor XXXX, who told me she would send a request to an office to have a payment credited to my account to offset the fee of {$84.00}, and to call back to check on the status of the request. I called back the next day, XXXX/XXXX/15 at XXXX EDT, and the response was that I would have to deal with this through XXXX XXXX, since it was a fee charged by XXXX XXXX. Of course, XXXX XXXX is in no way responsible for this issue - PayPal is, because PayPal gave me wrong information that resulted in my being charged the foreign transaction fee. After nearly a month of being forestalled and disrespected by PayPal in this matter, I decided to file a complaint with the Consumer Financial Protection Bureau.

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 2016-12-09
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a XXXX XXXX Plan for my XXXX XXXX, XXXX. However, after XXXX been mistreated by the veterinary. I contacted XXXX by email with a letter ( see below ). The statement was ignored and they continue sending reminders regarding payment. Sadly, my XXXX got worst. She could n't XXXX and in pain. With my broken heart, I got her cremated, on XXXX XXXX, 2016. It has been very hurtful not have her and for XXXX XXXX Hospital continue to collect payment. 


XXXX XXXX, 2016 XXXX XXXX Hospital XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Re : XXXX Client ID # XXXX On XXXX XXXX, 2016, my XXXX XXXX XXXX XXXX was at the XXXX Hospital XXXX XXXX XXXX NJ for a nail problem. In addition, she received the XXXX XXXX XXXX. Painfully right after she was not herself. XXXX was having XXXX XXXX and with no energy. 

Due to her illness, I brought her back to see the veterinary on XXXX XXXX. I had to upgrade my plan since he performed multiple testing 's. I was told nothing was found that I should consider consulting a XXXX. He also provided a prescription. She was not getting better and continue having the same symptoms. Therefore, she was back at XXXX on XXXX XXXX. Basically, I was told the same and went home with multiples prescriptions. 

XXXX still was not herself. Therefore, on XXXX XXXX, I took her to XXXX XXXX Hospital her prior veterinary. I called XXXX and requested all her medical records to be fax. She had XXXX and was very fragile. However, after the examination was very clear the reason of her illness. It was due to the XXXX. 

I was not provided with the client information sheet for the XXXX XXXX neither was told of the medical reactions. In addition, XXXX is XXXX XXXX XXXX and should not got the XXXX XXXX. However, I had trust on the XXXX XXXX Hospital veterinaries. 

For that reason, I am requesting the immediately cancelation of my plan with no comprising fees and a reimbursement for the total amount of {$920.00}. Enclosed are copies of all documentation. 

I look forward to your response and a resolution to my problem. I will interval until XXXX XXXX before seeking help from the NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and the XXXX XXXX XXXX XXXX XXXX XXXX for Veterinary.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a VA Loan. The original loan included cost for Mortgage - Hazard Insurance. After the first year, the issuer of the mortgage insurance, cancelled the policy. Though the policy was cancelled, the monthly mortgage cost stayed the same. The loan originator insisted that I again get an insurer to cover the loan. Subsequently, I found out that VA Loans per my category, do not require " mortgage insurances ''. The loan originator has sense foreclosed and sold my property, even though, I have continued to pay my monthly mortgage up until they stopped receiving them ; returning my checks to me with a note saying they no longer could accept them. The loan originator has issued an eviction notice to me effective XXXX XXXX 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: Paypal Holdings, Inc
State: PA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
1 ) On XXXX XXXX, 2014, PayPal Credit - dba BillMeLater ( PayPal ) failed to process a void/credit invoice from XXXX in the amount of XXXX and refuses to close the account to a XXXX balance in a timely manner, referring to an undetermined investigation process. 
2 ) I assert that PayPal has illegally opened a credit account in my name, applied charges to it for items that were not purchased, failed to mail statements, have mailed statements with unclear definition of items purchased, have applied interest and late fees to the account and sent collection notices, refused to process a fraud dispute, refused on-line access to their payment site. and made pervasive outbound calls to XXXX of my personal cell phones. For a debt I never held, and which, according to XXXX " no money was involved '' 3 ) This was a transaction for ticket number XXXX, that was cancelled at my request, I recognized this was a credit offer, and had other payment options. The XXXX agent stated that the void would be processed right away, and the account would be closed. Ten ( 10 ) months after the failure of PayPal to void the transaction, I was billed for XXXX. 
4 ) XXXX has repeatedly acknowledged the void in several conversations with me and shows the ticket as void on their web sites. And, they have claimed on XXXX occasions to be in direct contact with their on-site PayPal resource, who has repeatedly promised resolution. 
5 ) XXXX has stated that PayPal Credit did not process the void as other companies would, and in fact, could leave the balances open " indefinitely ''. 
6 ) PayPal Credit, rather than processing the void, opened a consumer credit account without my authorization, and applied the voided charges to the account, in effect, committing credit card fraud by making an illegal and unauthorized charge. 
7 ) PayPal has stated that they do not report to credit bureaus, and this issue would not impact my credit rating ( XXXX XXXX ) 8 ) I assert that PayPal has also engaged in retaliatory action by claiming that, in spite of their direct engagement with XXXX through on-site PayPal resources and the facts that the void was not processed, and the account opened and charged illegally, that this process must now be mediated through this portal, and go into an undetermined analysis phase. And that PayPal can not communicate or provide any resolution directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: Paypal Holdings, Inc
State: NY
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I have sent in total {$800.00} Venmo. Venmo cancelled these transactions but instead of returning the money to the Debit cards they are holding the money hostage and they are trying to force me to send them private information like bank statements, passport over unsecured environment - emails. I told them I do n't agree with it and they just closed my support case. If they think those transactions are fraudulent they should have reversed the charges., they are trying to confiscate the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I purchased a vehicle from XXXX, asked them and even wrote on the application that I DO NOT AUTHORIZE NO MORE THAN XXXX ( XXXX ) Hard inquiries because I am in a credit building program with my financial institute. I was reassured that It would not be a problem ; only to learn a couple days later that they did XXXX inquiries and when I contacted them I was assured that they would have them removed ; when they did not I filed a complaint with the XXXX and Consumer Protection, once they got involved they agreed to remove the hard inquiries from my report ( s ) ; to date they have not. so I am starting the process over again with the hope of finally getting this corrected. AT NO TIME DID I GIVE XXXX permission to do that many inquiries ; and what that behavior showed me is they were extremely DESPERATE to sell totally ignoring my request ; their actions were unauthorized, unethical and their refusal to correct THEIR ERROR has had a drastic impact on my credit. The financial institutes they used I WOULD NEVER, EVER CONSIDER going to for ANYTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: Paypal Holdings, Inc
State: GA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other service issues

Complaint:
I currently use Paypal to operate an eBay business. This business is an XXXX. Paypal has the businesses XXXX ID number, the bank account number, and access to my eBay account. Currently they are withholding over {$2800.00} in sales based on their {$3000.00} base limit for new accounts. However this account is n't new. It 's 3 months old, shows over XXXX transactions, generated over {$12000.00} in sales, and there is 100 % good feedback. The issue is Paypal refuses to release funds where the product has been paid for, shipped, and received. Instead there is a 21 day hold on all transaction after the initial {$3000.00}. This causes an enormous amount of stress for my business with its ability to purchase more inventory and to continue to build. I 've tried to talk to many representatives at Paypal and they pretty much say " Oh well ''. 

There is no reason for my business to be treated as a individual. Even a bank only has a 14 day hold on checks and that 's generally random and does n't happen too often. I would like my funds released so I can build my business, buy more inventory, and generally cover my operating costs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-15
Company: Paypal Holdings, Inc
State: MO
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Pay pall refunded money to the person even after I reported, that it was nothing wrong with an item. When I protested it, they told me that the buyer will return the product. The buyer returned empty box, now I do not have the product and the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: Co-Operative Adjustment Bureau, Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I paid the XXXX {$920.00} instead of {$920.00} and they attempted to evict for {$2.00}. The judge dismissed the eviction case and closed it. After I moved out of the property, the apartments filed a small claims judgment against me for the rent money that accrued DURING the eviction case. It is illegal to collect rent during an eviction case. I was never served with court documents. There is court record that XXXX - XXXX XXXX was served, but I am XXXX tall - XXXX and was not given a chance to appear in court. Because I did not appear, the case defaulted and the property has place a {$12000.00} debt on my credit report that I am not responsible for and that has caused me and my XXXX small children homelessness for the past 5 years. I was granted a XXXX to Vacate XXXX but by the time I found out about it being on my credit report, the judge said the case was too old. I also filed a complaint with the XXXX XXXX XXXX XXXX and I spoke with XXXX Consumer Affairs this afternoon and he advised me to take these following steps. Please help us. This is not fair. I am a working, single mother and this is and has been the ONLY obstacle in my way for providing a good home to my children.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-05
Company: Paypal Holdings, Inc
State: VA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hello, On XXXX XXXX I won a bid on eBay and purchased a XXXX fanny pack through Paypal in the amount of {$300.00} plus {$9.00} shipping, total {$310.00}. I was very satisfied with my purchase until the clamp broke. I sent the fanny pack back to XXXX for repair which took over a month to evaluate. XXXX sent the fanny pack back along with the letter that I submitted to Papyal in a dispute I thought I opened on XXXX XXXX. The letter stated that XXXX was n't able to fix my fanny pack because they only service products from XXXX or authorized distributors. Now at this point I 'm confused so I called XXXX @ ( XXXX ) XXXX and I was told the fanny pack was NOT authentic. At this point I 'm out of {$310.00} plus I have a knock off broken fanny pack that can not be fixed. I 'm extremely disappointed because eBay nor Paypal are willing to help get my money back. I used my credit card ending in XXXX to make the purchase. I DO NOT have {$310.00} to just give away. I even contacted the seller XXXX to get my money back and they have yet to respond. This is not only disappointing but it 's embarrassing as well. I am a good client to both Paypal and eBay and I expect the same in return. I want my credit card reimbursed the {$310.00}. 

I understand that eBay has a 30 day return policy and Paypal has a 6 month return policy but had the clamp not broken, I would 've never known this bag was a fake. I need both eBay and Paypal to make new policies because in a case where fraudulent items are being sold, there should n't be a time frame on those purchases. 

A customer should be able to get their money back if the item is counterfeit, it 's against the law to sell counterfeit handbags. 

Please help me get my money back, this is unbelievable. 

Thank you, transaction ID # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is a complaint regarding a notice I received from a law firm about a debt I incurred to a medical team. The problem is : this is not a debt I owe. The original bill was paid in full and I have the canceled checks proving the doctor 's office cashed them. 
Apparently, the invoice was submitted to a collection agency even though it had been paid, then re-sold to other companies, in what I assume was a list of junk debt. Most of these companies, even though they list their businesses as debt recovery services, do n't recover anything and simply repackage and resell the list to other debt recovery services that do the same. The last company to obtain the list, IC System XXXX Inc, lists their business address in XXXX, MN allegedly hired the firm of XXXX XXXX LLC in XXXX, MA to recover the already paid debt. 
I find it disgusting that I have to waste my time, energy, and money to fight a claim that should n't even be a claim. I am tired of all these companies washing their hands with rhetoric while stating that the claim looked legitimate at the time, or that they were conducting business based on the information given to them, blah, blah, blah. 
It should be illegal for companies to sell debt to XXXX another while making money on the backs of those individuals who ca n't afford to pay exorbitant medical bills. I will be contacting my state 's representatives on this matter to help circumvent this practice. 
This is nothing more than harassment, worse than telemarketers phone calls. At least I can hang up on them.

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 2016-03-17
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I recently made a student loan payment for {$200.00} leaving about in arrears {$1800.00}. My income based repayment is about {$110.00} per month so I am in the process of catching it up. The issue is the American Education Services debited my bank account for the entire {$1800.00}. When I approved the online payment it said {$200.00} but they do n't send a confirmation email at the time of the payment to prove it is setup for the correct amount and they keep the only records of the online payment. So unless one has the foresight to screenshot the process you ca n't substantiate their mistake. Their customer service refuses to even discuss refunding the over payment. If they will not remedy the situation I will move my checking account to new bank and only pay them via cashier 's checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: Paypal Holdings, Inc
State: GA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
1. On XXXX/XXXX/XXXX I received a total of {$4200.00} from a XXXX XXXX from money he owned me. 
2. The money was transferred to my Venmo ( Paypal Inc. ) account on XXXX/XXXX/XXXX. 
3. I transferred {$2800.00} to XXXX XXXX Venmo XXXX Paypal , Inc. ) account on XXXX/XXXX/XXXX. 
4. On XXXX/XXXX/XXXX at XXXX I was contacted by XXXX . ( Venmo agent ) who stated they dont see my funds. This was Venmo case no. XXXX. 
5. On XXXX/XXXX/XXXX at XXXX I was contacted by XXXX XXXX ( Venmo agent ) who stated my accout was frozen and that I need to provide proof that I am authorized to receive the funds. 
6. On XXXX/XXXX/XXXX I recevied an emal from vemo that I had transferred {$2800.00} to XXXX XXXX and also that Venmo was transferring {$1300.00} to my XXXX XXXX account ending in XXXX by no later than XXXX/XXXX/XXXX. 
7. I have not received my funds after 10 days which is required by law of money exchangers nor have I found any evidence to support that I have violated there user agreements to withhold my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-04
Company: I.C. System, Inc.
State: IL
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:
In XX/XX/2015 my service with XXXX was cancelled. A few weeks later I received a notice from a collection agency that said I owed {$270.00} ( which showed up on my credit report. ) I called the collection agency to work something out but they said they had sent my account back to XXXX for XXXX pieces of equipment that needed to be returned. I could only locate XXXX which I turned in. I was looking for the other XXXX. In the mean time the collection was removed from my credit report. I figured everything was settled. But I just recently got another notice from I C Systems collections that put it back on my credit report. I called them regarding the XXXX Returned equipment issue. They said they dont collect on returned equipment and that the charge was for service. I called XXXX and told them at the time this happened they said the charge was for returned equipment. Now they say it is the last bill for XXXX through XXXX. I told them the service was disconnected in the beginning of XXXX so how could I be charged for service that did n't exist? The rep mumbled something incoherent - then I asked him if I could get a copy of the bill. He said no they could n't supply a copy of the bill - I looked online and found dozens of complaints against XXXX for this shady billing practice along with even a class action lawsuit. It is unethical and abusive. They should not be able to milk extra money out of people on closed 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 2015-10-23
Company: Army and Air Force Exchange Service
State: NJ
Product: Credit card
Issue: Billing statement

Complaint:
I have my account setup on auto-pay for the entire bill amount. I have several emails from the Exchange Credit Program going back many months saying my payment has posted without issues. I got a letter from them on XXXX XXXX XXXX claiming they had not received a payment in XXXX months and that my account was about to go into collections. After this I tried logging-in to their system to make a payment and was repeatedly told that my information was not in their system. Today, XXXX XXXX XXXX, a payment was made without my notification for the total amount of {$1200.00} owed. Although I had intended to pay the debt, I had not intended to pay the entire debt as this puts me in a financially precarious situation where I will be strained for the rest of the month, and likely the next month or two. 

I am complaining in the manner that this debt was handled, without my knowledge or consent. If their system could suddenly pay the debt, why could they not collect for the last two months? If their system could not collect the debt, why were they telling me that the payment posted? 

Thank you for your looking into this matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation