BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-15
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Transworld System has been calling my XXXX year daughter 's brand new cell phone number day and night for the last week that she 's had the phone. I got on the phone once and ask what they wanted with my child, they told me it was none of my business and it 's personal. They would not tell me why they kept calling us and why they are harassing a young child. The harassment of a child has got to stop. I finally was able to get one of the many people who kept calling to give us the name of the person they are looking for and we have no clue who it is. However, it does n't seem to matter to Transworld that we are not the person they are after. They choose to continue to harass my XXXX year old. Perhaps the person who continue to contact my daughter is a pedophile. I ca n't image why they continue to call a kid night and day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: I.Q. DATA INTERNATIONAL, INC.
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I have made several attempts to request that " IQ Data '' ( The debt collector ) validate this alleged debt that they are stating that I owe with the first attempt sent in a certified letter dated XXXX XXXX, XXXX of which they never responded or acknowledged that they received it which is a violation of the FDCPA section 1692 ( g ) and the fact that they never responded in 30 days, this is not a valid debt therefore it needs to be deleted from my personal credit account with XXXX. The second letter was sent certified on XXXX XXXX, XXXX and the Third and final letter sent out certified on XXXX XXXX, XXXX of which as of the date of this complaint, they still have not responded. I have even filed a police report against IQ data and still no immediate response from them. I do not know who this company is or how they ended up with all my personal information and without my consent, and they feel it is okay to not abide by the federal laws that protect the consumer from fraudulent claims of debt collection and not answer any of my requests but still communicate with XXXX and not the consumer to advising them to continue to report a invalidated debt on my personal profile which I have not contract with them on nor have they provided me proof in a detailed " Bill '' that show how and when this alleged debt occurred or what is it for or that I owe anyone an alleged debt and they have the authority to collect on behalf of the person who may be claiming I owe a debt. At this point I believe I am a victim of Identity theft and Extortion from this unknown company trying to collect an alleged debt that is not validated and refusing to provide me proof that what they are saying I owe is accurate and really a lawful debt that I owe.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: Paypal Holdings, Inc
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I sold products on EBAY through PayPal. They knew I hadchanged my bank as I let them know. There seemed to beno problem taking my money out of the new bank when Ipurchased something. But the money they owed me stillis in their hands. Several phone calls later they assuredme that it was taken care of and I still see they still have it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Transunion, XXXX and XXXX XXXX showing payments and delinquents on my reports and that is incorrect information. XXXX XXXX  got paid in full

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-16
Company: I.C. System, Inc.
State: FL
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 had a phone bill on XX/XX/XXXX when the XXXX send us to XXXX, the account were Paid and closed. XXXX sold this account to multiples collections agencies. Damaged my credit report. I amdispute this account because the credit bureau supposed remove and delete on XX/XX/XXXX. Now I recieve multiples letters threatening me, from differents agencies push me to paid the same account, that the FCRA Law establishes they I get punished for 7 years allready completed by law. They have diferents account thats are not mine. And they said they gona damage my credit againg for the same issue. I am free of this account because they punished me during a lot years.

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 2015-08-12
Company: Paypal Holdings, Inc
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Pay Pal claims to have sent me an email stating I was violating their terms. I never received the email from them. I purchased My Cash Cards to load on the debit and pay bills and send money to my son to pay rent. They have denied me access to my debit card and when I spoke to a supervisor they said they are holding my money, over {$2000.00} for six months! I was given XXXX email addresses and have sent XXXX emails and I have not even received an email reply, How can a company be allowed, legally, to hold a clients money for six months once that company decides they do n't want you as a client. This is something that congress should investigate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-21
Company: Paypal Holdings, Inc
State: NM
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
On XXXX XXXX, 2015, I made XXXX purchases through Pay Pal. I have made many purchases using Pay Pal in the past, and have always had my debit card selected as the default payment. The XXXX purchase I made on XXXX XXXX, for {$100.00}, utilized my debit card as the payment method. When I made the XXXX purchase, for {$45.00}, I believed that my debit card was also selected as the payment method. The next day, I received an email informing me that the {$45.00} purchase had actually been designated to open a PayPal credit account. I did NOT select PayPal Credit during this purchase, and I was very confused about why PayPal would set their Credit service as the default payment option without my permission. I called PayPal immediately that day and spoke with customer service to express my frustration that I had effectively been tricked into opening a credit line with them. I asked that I be allowed to pay my balance immediately, and that the credit line be closed. My budget is extremely tight, and I needed to make this important purchase while I still had the funds in my account. I was told by the Supervisor that there was no way to make the payment and close the account immediately because the payment had not posted from the Vendor to my PayPal credit account. They informed me that if I wanted to make the payment immediately, I would need to contact the vendor. The vendor was a professional contact that I was not willing to involve in my financial matters, so I was left with no option but to let the credit line remain open and hope that I would have enough money to pay the balance when it finally posted to the account. I was confused, frustrated, stressed, and upset, and at the time I did not know that I had any recourse. I read on the news last night that many other consumers had experienced the same issue with PayPal, and that the Credit Protection Bureau was fining PayPal for this deceitful credit practice. I immediately decided to submit my complaint as well, in hopes of adding the voice of XXXX more consumer that was tricked into opening a PayPal credit line against my will and without my knowledge. I have attached the PayPal credit statement, which indicates the date of the purchases and the methods of payment used. I will also attach a portion of my bank statement that shows where I paid the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I worked with a lender from prime lending and everything was going wonderfully until about 2 week before closing. I had not heard from her in quite some time when one day, about 3 days before our closing should have been, she called and " made me promise not to get upset '' she went on to tell me that my FHA loan had been denied, after previously switching from conventional due to debt-to-income-ratio issues. So, she asked if I had any more money to give to help us go back to conventional. I said no. Flat out no. I had saved {$11000.00} to someday use to purchase a house. I knew fully well that ALL of my savings would be going into my house, and my realtor and lender both knew this. She later called back and stated that she had already put my husband on the loan, EVEN though I was never asked if this was ok. Apparently her supervisor told her to include him because of his credit. Well, this then made it to where all his finances would be legally necessary to use for the house. To get us to 5 % down, we would need {$3500.00} of my husbands {$5000.00} in savings. That would mean that to by our new home would be financially crippling ourselves ; draining my entire savings, and 70 % of my husbands. This was not ok, considering my husband had just quit his job and had ZERO income. Another fact my lender knew. It was never my decision. Our lender took complete advantage of us. AND this was after she had to award us hundreds of dollars in waived fees to make the loan go through. It was clear that we were not a priority, we were a paycheck. Now my husband and I are still trying to make ends meet with no money to fall back on, because of a decision that was made for us.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: Google Compare Credit Cards Inc.
State: VA
Product: Prepaid card
Sub-product: Mobile wallet
Issue: Managing, opening, or closing account

Complaint:
I have had a Google account for 8+ years, and I have had a Google Wallet account for over a year. Recently, I requested a Google Wallet XXXX which is a co-branded XXXX debit card ( essentially a prepaid debit card ). On the morning of XXXX XXXX, 2015, I received an email that my account was temporarily blocked due to suspicious activity that I reported to Google. When I called in, I was unable to speak with anyone in the Risk Department. Then, I received another email this time indicating that Google had flagged my account for fraudulent activity. There were no improper transactions on my account. The third communication from Google indicated that they had to close my account, and there was nothing I could do because they had the right to close any account at anytime without notice and without liability if the terms of service were violated. I do not know what I did wrong, and I guess I never will. 

I was an XXXX for a number of years, and we never closed accounts without providing specific reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Minto Financial dba Minto Money
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a high interest loan. I knew that it was but I lost my job and needed it to stay afloat. The loan was for {$600.00}. They spread it out over XXXX payments. I have made XXXX bi-weekly payments so far in the amount of {$160.00} each. I am now working full time and want to pay the loan off in full on XX/XX/XXXX. I called today, XX/XX/XXXX to ask my pay-off amount and was advised I've only paid {$30.00} in principal this entire time and to pay off on XX/XX/XXXX, the payoff amount would be {$1000.00}. They also said I would still have another interest payment due on XX/XX/XXXX AFTER I pay the loan off. HOW IS ALL OF THIS POSSIBLE?!!! I previously called because I missed the payment on XX/XX/XXXX because I had not received a full check from my new job. I have set up arrangements and that is included in the amounts shown above. The representative I previously spoke with, moved the missed payment to the end of the loan, and split the next payment into 2 payments to help. I have so many questions, one of which is if I pay the loan off in full, why would I owe more interest after? The company advertises there is no penalty to pay the loan off early, and paying it off early can save money, but that does not seem to be the case. I want to pay what I owe but something does not seem to be adding up here. Can you help me make sure I'm not overpaying ( any more than I already have ). Thanks in advance for any help you can provide!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: I.C. System, Inc.
State: UT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XXXX I was contacted at XXXX I missed the call and called back at XXXX. I was then told that they had an important business matter to discuss with me and they needed me to verify my address. I then told them I would n't give them any of my personal information, they called me and should have that information. They then continued to claim this matter is affect my credit, and if I do n't resolve it there would heavy consequences. This is odd, because I have been building my credit since my bankruptcy and have really been pushing to keep it clean. I then explained that I have no outstanding debts. I then told them I know what your doing ; I will not give any of my information to a thief that is planning on destroying my good name. I then auto rejected their number immediately. I then received XXXX more calls in the following XXXX weeks. I Called and reported this to the local sheriffs office in XXXX Utah on XXXX XXXX 2015. I gave him the number and the spill they told me. He said if anything comes up on my credit to then call him again, and he would give me a case number to fight the charges. I called XXXX XXXX XXXX 2015 at XXXX and told them I know what they are doing, I demanded that they remove my number from their call list. I also told them I reported them to the local sheriffs department and if any charges are placed on my credit by there company IC Systems. I would take action against. He claimed his company is n't fraudulent, and I confirmed that he understood what I said and that the harassing calls would stop he agreed. I then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I requested and paid {$420.00} to Flagstar bank to facilitate an appraisal on my property. The appraiser spent 15 minutes at my house and a couple days later submitted an error riddled report that reflected both a failure to perform the due diligence required in an appraisal as well as basic mistakes in measurements and calculations. The most glaring mistake was in the recording of the square footage of my house. The appraiser left out XXXX square feet from my XXXX square foot house. This resulted in choosing less comparable homes as well as undervaluing the comparable homes chosen by {$4500.00} to {$6000.00}. When the square footage was corrected the appraiser refused to change the opinion of value even though XXXX of the XXXX comparable homes used in the basis for his opinion, increased in value from {$4500.00} to {$6000.00}. When correcting the square footage error, Cost Approach method increased by nearly {$16000.00}. In addition to the square footage errors, the appraiser failed to account for the increase in market value from the sale date of comparable homes to the date of my appraisal, in XXXX case a period of eight months. I provided three separate letters detailing the errors and omissions committed, and none of the responses addressed more than one of the issues I addressed in the letters and none addressed the inconsistency in the comparable values and impact to the Opinion of Value. Flagstar bank claims to have its hands tied and has been unwilling to facilitate an accurate and error free appraisal.

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 2016-10-15
Company: Paypal Holdings, Inc
State: GA
Product: Credit card
Issue: Billing disputes

Complaint:
XXXX is adding XXXX $ XXXX $ late fee after monthly payment has been made. Payment due date is less than 28 days from receiving actual bill XXXX, XXXX. XXXX, XXXX. this has not been consistent since opening. According to Credit Card Act this is illegal and I am owed almost XXXX $ plus interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I first got my debt notice from GLA Collection Company and on the back of the page it asked if I had any insurance information. I filled out the back of the page and never heard anything if they filed with insurance or not. 
I got another letter saying I owed money. I called and asked if they ran it through my insurance. 
The guy on the phone XXXX was very rude and told me he was not going to check with my insurance that he did n't have to and it was past the point for that. 
I then got a letter on XXXX XXXX 2017 that says I have 60 days from the date of this letter to make the payment in full. 
A week later I got another letter that said I had 10 days to pay and that I need to call this number XXXX. 
I called the number and again the guy was very rude and told me that I did n't have 60 days I only had the 10. I asked why I got this letter that said 60 days and he said he did n't know and did n't care. 
I just thought that was very rude and he was just did n't care about working with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: Paypal Holdings, Inc
State: OH
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Unauthorized transactions/trans. issues

Complaint:
I fully used an eBay gift card of about {$500.00} to make a number of purchases on eBay at the start of XXXX. As the balance was completely used I discarded the original gift card with the gift card number and I did n't keep a record of the gift card number. The seller of XXXX items did n't ship the item and then processed a refund back to PayPal for {$17.00}. PayPal then immediately debited the refund from my PayPal account and credited it to " eBay Gift Card Services ''. After three hours on the phone with several different PayPal and eBay agents neither of the businesses are able to help me understand how I can get the original gift card number back again to use the refund. In the guise of setting up XXXX way calls between me, eBay and PayPal I was transferred from PayPal to eBay and vise versa 3 times with the initiating agents then dropping off the line so that I needed to verify my identity and start over again and again explaining the issue to both PayPal and to eBay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-06
Company: Paypal Holdings, Inc
State: ND
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Paypal notified me that I had the option to use the feature called pay after delivery. They also indicated I could turn on and off the feature as I wanted. This is untrue as now I 'm being told the system decides if I can or can not use the feature and there is no way to know until after I make a purchase even though my PayPal account says the feature is on. Its only fair that a consumer should know in advance what payment options are available to them before they purchase an item not after. It 's almost like a bate and switch. I bought the item believing I had been given 14 days to pay, then when I go to check out the payment option is switched to pay immediately. Then the next time I might buy an item thinking I 'm going to pay immediately the system decides to put it on pay after delivery. The consumer should be deciding how they want to pay for their purchases and know what options are available to them before they purchase an item. This is unethical and untruthful lending practices!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: Paypal Holdings, Inc
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I have applied for a Paypal account many times over the last year. According to paypal Credit my information is confused with another individuals credit and thus they think I have an account. Their security department has not been able to resolve. I sent a letter to XXXX XXXX SVP, XXXX asking his office to escalate and they replied they could n't extend credit at this time. I have received this response probably 10 times in the last year but no one ever tells me why. 
According to the security department its because the credit application never flows through the system. 
I have two concerns : 1. I am very concerned that some one elses credit is confused with mine in their system. 
2. Their lack of urgency to resolve this issue is very concerning as an individual. The fact that they seem to not care that their system could be providing another individual my credit information is not responsible for a credit issuer. 

PLease help me to resolve this issue.

Company response to consumer: Closed with explanation