BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-25
Company: Paypal Holdings, Inc
State: NY
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I have been charged back a payment I received from a friend 's husband/boyfriend for {$250.00} ( because the funds were paid to paypal with a credit card and the payer subsequently disputed the transaction an unauthorized ) and was charged an additional {$20.00} fee. I was asked by this couple to receive their funds and XXXX XXXX them the cash becaue they did not have access to their paypal card. They sent me several amounts and I provided paypal with documentation that I then sent the funds via XXXX XXXX to the couple. The couple is defrauding paypal and paypal, who accepted the " unauthorized '' credit transaction, has transferred the liability to me. Which is illegal. Upon several calls totaling about two hours, paypal has maintained that they will continue to charge my account for the " fraudulent '' transaction that they accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: I.C. System, Inc.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
Ok, so I have been receiving phone calls from XXXX phone number for the last few days. On the morning of Thursday XXXX/XXXX/2016 I received yet another one. So being fed up with it, I answered and said hello. All they would say and repeat was that they needed to confirm they were speaking with a XXXX XXXX ( which is me ) before they could disclose any further information. I stated that in that case I would not be providing them any further information on my part and hung up. My thinking was " wait a second ''. You want to call my phone and start demanding I provide or confirm for you personal information about myself while refusing to provide me with information. Not ok!. So being that I am a Police Sgt, I went into investigative mode and started digging to see if I could find out anything based on the phone number I had from them. I discovered that it was a collection business called IC Systems. I further found hundreds of complaints from other people following their dealing with this company. So I returned a phone call to them and asked to speak with a supervisor. Once he was on the phone he also repeated the same line about needing to confirm who I was before he could provide any further information. I explained to him again that I would not be providing any personal information and since he or his company were the ones who had contacted me, they needed to be the ones that were forth coming with information, since I had no way to " prove '' who he was. I also explained that I viewed their telephone communication with me to be harassment and that I demanded my number be removed from their calling list. He said that he could do that and would. If I owe a debt that I am unaware of fine, but how about calling and saying, Yes this is so and so and we have been retained by so and so to attempt to collect a debt that they claim you owe them. At this point I would have the ability to research for myself if I had forgotten something and get back with them. But no, they chose to try and act all secretive and shadowy which if they are legit in their pursuit, it is a very poor way of handling business. I ask that you as a consumer protection agency, please assist me with dealing with this matter. Thank you in Advance

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: I.C. System, Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received debt collection notice from IC System for XXXX XXXX for {$83.00}. This is not my bill I have n't had XXXX for probably 20 years or close to it. Called IC System and they said this is due to be reported on my credit XXXX XXXX. I can call back in 30 days to check on dispute. I want this resolved immediately. I have good credit and this is not my bill. Account # XXXX and IC System reference # 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 2015-12-15
Company: I.C. System, Inc.
State: TX
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:
Opened an electric account with XXXX back in XXXX/XXXX/2014. 
The account, however, was closed ten months later due to irregularities in billing and the fact that such account was been inflated with excessive fees.The problems revolves around the fact that after having closed the account for such reason.I.C SYSTEM Inc a collection agency on behalf of XXXX has engaged in practices I consider to be instigative and harrassive.Since they have continued to call my house in order to demand payment for early termination fees. despite the fact that I never entered into contract with XXXX.

Company response to consumer: Closed
Consumer complaint received 2016-09-06
Company: Paypal Holdings, Inc
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
On XXXX XXXX, 2016, Paypal processed an unauthorized virtual transfer request from XXXX for {$230.00} resulting in several failed transfers from my bank. Paypal processed the unauthorized charge without receiving funds from bank due to the fact that the transaction was not authorized Paypal proceeded to harass me for their failed virtual money transfer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/XXXX is reporting on my credit file and I have never had an account with them. My name is very common and I often have issues with Mixed files. 
I called XXXXXX/XX/XXXXand was on the phone for over an hour and they can not find me in their system under any of my information. They also agreed that maybe it is another XXXX XXXX that is accidentally reporting on my credit or this is fraud. I need this removed as there is nothing you have on file with my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12
Company: Paypal Holdings, Inc
State: CA
Product: Credit card
Issue: Transaction issue

Complaint:
I used a credit card for one single transaction on PayPal and they subsequently attached this credit card to XXXX other transactions over a seven-week period as a " backup payment source '' for each of these transactions. I never authorized this card to be used for this purpose and repeated calls to PayPal brought only their response that nothing could be done to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26
Company: Flagstar Bank, N.A.
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Insurance payment from my escrow account was not made in time to my insurance company thus leading to late fees and cancellation notices to homeowner. Monies were withdrawn from my escrow account TWICE ( XX/XX/XXXX & XX/XX/XXXX ) thus lowering the escrow account value below allowed limit allowed by Federal law. This appears to be an error since the money was placed back into the escrow account at a later time ( XXXX ). The error does impact the calculated low value for the escrow account unless special provisions are taken. This new " low value '' for the escrow account will or may cause damage to me by increasing my escrow required payments next year after the annual escrow required payment calculation. 

Late fees of {$10.00} were added by the insurance company. 

Cancellation notice sent to me by the insurance company. 

I continue to get letter in the mail requesting that I pay the late fees to my insurance company ( XX/XX/XXXX ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: Linebarger Goggan Blair & Sampson LLP
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
To whom it may concern : This letter is being sent to you in response to the above reference account that LINEBARGER GOGGAN BLAIR & SAMPSON , LLP, has reported and listed on all XXXX major credit reporting agencies ( XXXX, XXXX, and XXXX XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and VALIDATION is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for- HAS NOT BEEN PROVIDED. 
Explain and show me how you calculated what you say I owe- HAS NOT BEEN PROVIDED. 
Provide me with copies of any documents that show I agreed to pay what you say I owe- HAS NOT BEEN PROVIDED. 
Identify the original creditor- HAS NOT BEEN PROVIDED Prove the Statute of Limitations has not expired on this account- HAS NOT BEEN PROVIDED. 
Show me that you are licensed to collect in my state- HAS NOT BEEN PROVIDED. 
Provide me with your license numbers and Registered Agent- HAS NOT BEEN PROVIDED. 
At this time I will also inform you that if your offices have reported Invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute Fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against LINEBARGER GOGGAN BLAIR & SAMPSON , LLP, for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-25
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Again I have received another noticed dated XX/XX/2016 stating that I am still delinquent and the owner of a loan for a house that was foreclosed on. I originally filed a complaint and shellpoint acknowledge this was being taken care of XXXX ( see below ) that this is being corrected and it is an error and should not be in my name and again I have received a bill saying I am delinquent on a home I do n't own anymore. It is showing on my credit as another delinquency and I want this corrected and I want this out of my name or I will see an attorney. This is my third time asking to remove this loan from my name and XXXX has still not taken care of this due to I have a brand new bill again for a house that was purchased by someone else and in someone elses name. This needs to be removed asap or I will seek legal counseling. ( see shellpoint acknowledgement below that this should not be in my name and will be removed. 

Shellpoint Mortgage Servicing said : Explanation of closure Shellpoint acknowledges your concerns with regard to the foreclosure sale of the subject property. After careful review of the loan, we concluded that the foreclosure sale was conducted by the prior servicer of the loan ( XXXX ), and we are updating our records accordingly. Additionally, the billing statement that you received from Shellpoint was inadvertently sent, and we apologize for any confusion or inconvenience that this matter may have caused.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-22
Company: Orions Management Group, LLC
State: NY
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:
Military spouse stationed in XXXX XXXX. Had cell phone. Account closed in XXXX when departed back to state side with military orders on XXXX/XXXX/XXXX. Suddenly I am two months overdue on this phone bill as of XXXX XXXX. Stating that the act. is open and I owe XXXX. Tried contacting the company. Phones are out of order. No way to communicate with them however, lost XXXX points on my XXXX score for an act that was closed almost 3 years ago. Orien is the name of the company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-10-25
Company: MB FINANCIAL, INC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company did not pay the flood insurance out of escrow as it had been set up. As such I had to pay my flood insurance and submit verification or lender insurance would be secured. I obtained insurance in XXXX, submitted proof in XXXX, XXXX and twice in XXXX. The insurance was not verified so I had to pay an extra {$500.00} to cover the lender procured insurance. I submitted my normal payment, plus XXXX as I always do to pay my mortgage of quicker, but the lender refused to process it since it did not cover the full cost of the extra insurance. 
MB financial blackmailed me into paying for insurance that was not needed, since I had already sent in proof 4 times for valid flood insurance, and was way over priced ( normal insurance is XXXX a year and their insurance is XXXX a month ). They offered a refund of course but if i did not pay the full amount XXXX before the end of the month, even though they had my proof of insurance, they were going to start charging late fees and of course report to the credit bureaus. 
I had paid XXXX but they refused to process until I paid the extra XXXX over the phone. They could not process a partial payment of XXXX, but would process a partial payment of XXXX and then apply the other payment. 
This can not be proper. To procure self insurance at an absurd rate and force someone to pay, even after proof of insurance was submitted multiple times. The threat of piling up late fees on top of attacking my credit is absurd and hopefully illegal. Thank XXXX I have the resources to pay, wait for a refund but if not they would have intentionally attacked my financial well being over their mistakes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-12
Company: Paypal Holdings, Inc
State: NV
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Paypal has closed my account down & permanently limited it when they should n't have/mistakenly did. They even have a lawsuit against them ( class action ) for shutting down accounts and limiting them for incorrect reasons plus inappropriately handling disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: Paypal Holdings, Inc
State: NH
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Paypal has a policy which states : If you provide tracking information ( XXXX ) and we can confirm delivery, your payment should be available three days after we can confirm the delivery date. 
o Pending payments are generally released three days after we can confirm delivery, but sometimes the delivery information takes a bit longer to update. If it 's been three days and your payment is still pending, the information is still processing and the payment should be available soon. Please note that pending payments ca n't be released before you meet these requirements. 

I have entered tracking information and delivery confirmation has been entered by XXXX as of XX/XX/2016. The buyer has not made any complaint or expressed any concern with his delivery. Paypal has not released my funds for transaction ID XXXX Instead they are saying they may " hold '' them for up to 21 days!!! For no cause or reason. Just because I 'm new at selling on Ebay. 
How many millions of dollars in customer funds may they be holding and earning interest on despite the fact that the seller delivered a product and the buyer received the product and there is no dispute? This seems completely predatory, arbitrary and lucrative for a company of this size handling as much money as they are. Please address this for me and millions of others.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-29
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I was going online to paid my credit card bill of Walmart number # XXXX but they service was not operated online, I had call the credit card to make a payment by phone today but post date for XX/XX/2015, I was told by customer service representative from Synchrony Bank that I was going to be charge a late fee of {$35.00} because it was past due and I reply to her is not pass due. Can you please process the payment of {$98.00} on XX/XX/2015, She process the payment with no problem, she gave me the confirmation # XXXX, This is not the first time I been charge for late fee of {$35.00} for the month of XX/XX/2015. 
What gimmick or scam they are running in the credit card department, I 'm requesting investigation on this matter or issue ASAP, This is hardship for me at this present time or moment, I am not happy as a customer of Walmart/Synchrony Bank XXXX XXXX XXXX XXXX, GA XXXX, telephone XXXX. 
I feel and believe they should n't be a cut of time making a payment online or by phone. 
This unfair for the customer, including my self.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-16
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I transferred a {$6700.00} balance to my Barclay XXXX credit card in XXXX, 2015. I transferred what I thought was that balance plus some ( {$6800.00} ) OUT of the account 14 days later. Now EVERY SINGLE MONTH since I 'm charged interest on that Barclay card even though I pay off my statement every month. When I called the card company, they said that even though I transferred out the amount that I transferred in, they see it as I still owe interest on that money. They said that the only way to make it go away is that I pay off my statement balance AND any transactions that occurred AFTER the closing date of that statement balance. In other words, PAY MORE than what my ending balance is every month. They have credited me back the interest so far, but I have to call them every single month to get them to do that. There is something seriously wrong with this practice and it almost seems illegal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-16
Company: SYNCHRONY FINANCIAL
State: AR
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, AR XXXX XXXX I was sent a link to go online to complete a credit application. I was told during the online chat that it was a zero interest application. When you get to the end of the form you have to choose YES to activate the additional credit card billing or the form will not go forward. The rep from the local store, XXXX told me to call XXXX when I informed her the form would not submit without choosing additional charges to my credit card. She insisted I was wrong. I spoke with a rep from XXXX XXXX at XXXX and was told I was not using a compatible web browser. That I needed to use Internet Explorer, Firefox, etc. I explained I could not do that as I was using Google Chrome. The rep stated I should contact the local store as they had the ability to take care of this over the phone. I again completed the online credit form and it would not accept the form without checking the Yes option to activate the additional billing. XXXX told me during the online chat that Google Chrome would work but not the other browsers. I answered that I had been told the opposite from XXXX. I asked to contact the local store and they would not provide the contact number. I looked the number up online and called the local store in XXXX, AR. 

When I called the store a man claiming to be the manager answered and was very abrupt. He wanted to know what mattress I wanted and they would sell it to me right then. I tried to explain what happened and he did n't want to hear about it. Then I knew I was speaking to the same store employees that I had been chatting with online. Being forced to sign that additional credit card billing was clearly fraudulent. It meant there was no zero interest as was claimed. Please see the Chat Transcript dated Friday, XX/XX/2016 ended at XXXX. 

I have an attachment of the chat transcript and copy of the credit application. I identified myself as a XXXX veteran XXXX. It made no difference to this company and I asked multiple times for additional help which they did not supply. 

Credit Application Form XXXX Optional Card Security Enrollment Selection

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