BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-10
Company: Paypal Holdings, Inc
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I used PayPal to invoice a client. The client was expecting to see my business name on the charge statement, and only saw PayPals. The client requested a charge back due to confusion about the charge, then reversed the charge back. PayPal staff today admitted that the charge back had been reversed and that they have had the funds since XXXX XXXX, 2016, however they failed to disclosed or report this to me for over a month per their user agreement. Instead, multiple parties and actions from PayPal have led me to believe they had no information about the funds. ( If there is a hold or a reserve, they are still supposed to disclose that they have the funds ). PayPal has urged me to invoice the client twice, urged me to pay my clients bill, shuttered my account, failed to review the exhibits I submitted in a timely manner, and are having their collection department call me about funds they already know that they have, and are withholding from my account. They have taken up many hours of my time and required me to offer concessions to the other party involved in the transaction. My impression is that PayPals internal process and the information they provide to consumers is intentionally limited and confusing, and has been designed this way to generate duplicate payments and fees for PayPal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-24
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX my vehicle was involved in an accident and declared a total loss on XX/XX/XXXX. My insurance agreed to a settlement amount of $ XXXX. XXXX insurance agreed to cover the remaining balance on my loan. My insurance mailed the check on XX/XX/XXXX. It is now XX/XX/XXXX and XXXX has not acknowledged payment from my insurance on my account to close the loan out. I have now called 5 times to inquire on the status and every single time, the employees are unhelpful, inept and do not have a resolution. They simply state I have to make payment on the loan, yet I have not been in possession of the vehicle for over a month now. I also emailed their Total loss department directly, and surprise, no response from them either. Based on reviews online, this seems to be a recurring pattern with them. I want this loan closed and removed off my credit, as it is now affecting my refinance process on my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: Experian Information Solutions Inc.
State: FL
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:
I received a copy of my credit report and noticed fraudulent activities. this is stopping me from obtaining credit.

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 2015-05-20
Company: Paypal Holdings, Inc
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Pay Pal created a credit service on me without my permission. I found out in XXXX of this year that something that I had purchased online using Pay Pal and thinking that it was on the " Bill Me Later '' system, I 'd get a bill for it and pay it. They created a new credit service and I never heard anything about it until I was going into debt collection, now I owed fees. I paid the amount and the fees at that time. Then again I bought something on-line and used my credit card, so I thought. Pay Pal apparently could n't collect from that credit card so they charged that Pay Pal credit again and again I do n't hear anything about it until its now in XXXX 2015 and now there are late fees that are attached doubling the amount owed. I again had to pay that yesterday. Now I hear that there is a class action against them for this same thing with others. Who do I talk too?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-24
Company: BAM Management US Holdings Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I sent my XXXX currency from XXXX to Binance us but it was the wrong token I sent XXXX token to Binance us and I wrote them about it they said the would charge me a fee for returning it back to XXXX XXXX but its been XXXX  days now and they ignoring me ticket number # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02
Company: Paypal Holdings, Inc
State: CA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
PayPal signed me up for a {$5000.00} credit line as I was simply trying to check out and pay directly. I attempted to call and have the credit card reversed and pay with my existing credit card from another bank. PayPal mentioned I could payoff the line and close it, then file a complaint, but they could not remove the opening and closing of my line off of my credit report. Now, this is listed and causes a downgrade on my credit reporting score. The fields I out to close and pay for services are deceptively placed so by the timeline pays for a service, they do n't realize they have just signed up for a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: Mortgage Research Center, LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
In XXXX XXXX my mom & I called Veterans United Home loans, and placed with XXXX XXXX, Loan Officer. We were interested in a VA mortgage. We were advised that we could apply as my mother is a XXXX Vet, with me as a dependent XXXX XXXX XXXX XXXX we recd notice from Veterans advising we were prequalified. We were not eligible for VA financing, but on XXXX XXXX XXXX XXXX XXXX advised that he would issue a preapproval letter for FHA financing. On XXXX XXXX XXXX I requestedthe terms of the loan because I was missing out on properties. On XXXX XXXX, XXXX XXXX XXXX advised in writing that he could 'definitely make this work ' and on XXXX XXXX XXXX I requested the specifics of the FHA loan. On XXXX XXXX XXXX I received a phone call from XXXX XXXX, at which time I expected to be advised as to the specifics of the FHA loan that was preapproved by Veterans. It was only on that date and time that XXXX XXXX asked for anything more from me than my paystubs. We requested financing up to $ 300K, and advised that we could put at least a 20 % down payment, and {$5000.00} ernest money towards the purchase Only THEN did XXXX advise that my XXXX score did not qualify for an FHA loan. According to the FHA manual, my XXXX score did qualify. XXXX misrepresented that it was FHA, and later admitted it was Veterans Home that would not accept it. 
For almost 2 months, we were unreasonably led to believe that we were only waiting fo the preapproval letter to be issued. There were no qualifiers, no ifs, ands or buts, or any other issues that might disqualify us. We were unethically and unprofessionally misled by this loan officer, and in fact were told that Veteran COULD help us and that we WOULD receive our preapproval letter. Veterans should be required to uphold their promise of financing and finalize the mortgage loan that we were preapproved for. There was never any discussion or mention that ANYTHING would stop the financing process. Ou combined income is in line with the loan amount, and my mother 's credit is outstanding. My credit qualifies me for approval for an FHA loan, and Veterans should approve this financing and proceed to closing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: EQUIFAX, INC.
State: VT
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:
I had XXXX XXXX and the final bill was paid by credit card over the phone on XX/XX/XXXX and service was cancelled and equipment was picked up by service man at my residence. I moved out of my apartment that day. Company claims I never cancelled service and billed me for 3 additional months. XXXX XXXX did not file a collection notice until XXXX on my credit report. Company claims I owe them {$230.00}. XXXX XXXX sent me a " Notice of Rights '' letter dated XX/XX/XXXX indicating that they received the claim I disputed and stating that if I do n't respond within 30 days they will consider the debt valid. On XXXX XXXX I had a XXXX XXXX in Vermont and subsequently was hospitalized at the XXXX XXXX XXXX XXXX XXXX where I had a XXXX XXXX which can all be fully documented. I was unable to respond to the Notice of Rights due to my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
There is a debt on my XXXX credit file which indicates IC System as debt collected and also states CLOSED - PAID COLLECTION. I 'm not positive what that means but I have no debt and I never paid any collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have ordered tires on the XXXX of XXXX for {$1100.00}. 

On the XXXX of XXXX the merchant ( XXXX XXXX AZ ) charged me {$1000.00} and received an email invoice saying that XXXX card was charged {$1100.00}, however the total amount states {$1000.00}. 

On the XXXX of XXXX I noticed that I was charged again for XXXX by XXXX XXXX XXXX  XXXX XXXX AZ. 

The merchant names are different on the statement, but they include the same phone number. 

I called the merchant, they confirmed that they are having issues with their billing system and asked me to try to get the money back through my bank as that's the easiest way. 

I have filed dispute twice charges, but they were rejected. 

I have only authorized {$1100.00}.

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 2016-10-24
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 XXXX I disputed a debt with XXXX for {$680.00} as it was referred to collections at IC Systems. IC Systems was suppose to investigate however XXXX failed to respond to them. Even though IC Systems has been unable to validate the debt, they continue debt collection efforts in violation of the law and has reported to my credit.

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 2017-02-26
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My auto loan is due on the XX/XX/XXXX ND of each month I talked to them several times letting them know my situation has changed. After a year of continuous on time payments I have only been late 3 or 4 times. They start to call on the XXXX and call all the way even on Sundays which that is against the law I thought for Texas. One day they even called continuous just because I owed a late charge of XXXX. That 's after I made a payment 2 days before. They also harrass my wife 's phone at XXXX XXXX XXXX. Why do they call her since they say she could n't be on the loan. What can I do? The name of the company is credit acceptance @ 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 2015-07-10
Company: Mitchell Rubenstein & Associates, P.C.
State: MD
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:
XXXX hired XXXX XXXX XXXX of Mitchel Rubinstein and Associates to collect a debt. We had an agreement post judgement. I paid the debt and now he is asking for money for his cost. I have asked for a itemized list, notice of his cost, which he can not provide. Second, we had a agreement and he has not given notice of satisfaction for the debt being paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: PHH Mortgage Services Corporation
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was laid off from XXXX XX/XX/2010. XXXX of XXXX, Ohio solicited me to have my payments lowered I had no debt other than the house. I did not qualify for any plans, so HH mortgage company foreclosed. I sought legal help and forced to retire. XXXX told me to move on and not hold this against the HUD agency and to just move. I 've thousands of hours of working with private and government agency 's. Now I 'm old and ca n't do as much and still at square one with 15 years of my life gone and no hope for a life as a.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: CITIBANK, N.A.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was originally incurred in XXXX or earlier over 14 years ago. This collection agency claims they acquired the debt in XXXX at which time the debt would have been over 10 years old. Statute of limitations has expired. I do not owe this debt to Citi Bank!

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 2016-01-06
Company: CITIBANK, N.A.
State: NM
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
citi became the new credit issuer for best buy and home depot. I was then discovered that my spending limits were slashed for no reason and was never notified. Never late with payments. I then notified citi I was cancelling this acct. They immediately shut down my on line access and since I went paperless, there was no way for me to pay my bill. I called again and they said when accounts are cancelled, so is the on line access. They then said they would send a paper bill but it would take a while. And in the mean time, they reported to the credit reporting people that my acct was 2 months late and my score dropped XXXX points, greatly hindering my abilities to obtain anything. They should have told me about shutting down my on line access when I cancelled my acct but they didnt. I am sick by what they have done to me as its taken me a while to rebuild my credit over time and they just ruined it and me. Some action needs to be taken against these criminals.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: CITIBANK, N.A.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have {$620.00} in fees on my account, {$120.00} for a foreclosure fee that I never was advised I was ever in foreclosure. A {$500.00} appraisal fee that I was not made aware of prior to an appraisal being ordered for a review of a short sale of which still shows as being reviewed but confusing letters saying it was denied but also letters saying still actively being reviewed. The mortgage company is saying that they are not reporting me delinquent on my mortgage but my mortgage statements show I am past due of {$690.00} in addition to what my current payment is. When I review my credit report it shows degoratory on my credit report. I ca n't actually see how it is affecting my credit but my score is dropping every month. I am current on my mortgage payment. The last delinquent mortgage payment I made was when I thought I was being reviewed for the short sale in XXXX of 2014 which I brought the account current in XXXX of 2014. I have no idea how this is affecting my credit but I am getting denied loans and credit due to this mishap. Every time I have called to have this explained I get the run around and say its been escalated but nothing comes out of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
Citibank MasterCard open a new credit card without my authorization and charge me XXXX. I did not authorize the card, activate the card, nor use the card. They refuse to refund me 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 monetary relief
Consumer complaint received 2016-02-27
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Citibank closed my Citi Prestige card after I paid the annual fee for the membership year. They closed it about 6 months after I paid the fee, and are refusing to refund the portion of the fee covering the remaining 6 months of the membership year. Citibank 's communication with me, which is attached, states they would refund it if I closed the account within 30 days of paying it. It was not my choice to close my account which never had a late or missed payment, so Citibank is participating in unfair and deceptive practices by charging a fee and then closing an account leaving me without access to paid benefits.

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 2017-01-06
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Open an account during their {$400.00} bonus promotion. Completed all the terms and yet to receive the bonus. First time I talked to them they opened an investigation and it was verify that I completed all the terms and to wait. Two months later I talked to them again and now they 're telling me they will open another investigation and to wait again. The term was to deposit {$15000.00} into a new account for 30 days and the bonus will be deposit in 90 days. I completed the {$15000.00} deposit on XXXX/XXXX/2016 so I should have received the bonus around XXXX2016.

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 monetary relief
Consumer complaint received 2016-06-06
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I applied for a citi " gold '' checking account and enrolled in an offering for XXXX XXXX XXXX miles upon completion of terms. I confirmed via chat message that I was enrolled, that I had met the terms, and that I would be receiving the miles " after XXXX ''. I subsequently incurred monthly fees on the account waiting and when I inquired XXXX and XXXX I was told citi would not be honoring the XXXX miles as I was not " targeted '', despite having enrolled online and having confirmed it via customer service representatives online that I would receive the miles.

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 2015-09-15
Company: CITIBANK, N.A.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
In XXXX I borrowed XXXX grand from a pvt.lender in XXXX XXXX. I came ou with XXXX grand.I had to pay child support arrears. in XXXX I married and my husband and I were calling loans for his truck as security.citifinancial of XXXX XXXX said come over neither XXXX of us had a job. He was looking to go to XXXX which eventually he did. In the process of the loan for the truck title we spoke to XXXX XXXX about my deed for my free and clear property which I owned. They said they would pay off the balance of XXXX XXXX and add it then eventually gave the truck title back. Now the man I married took all the money and left XXXX to XXXX. I told CitiFinancial he left and still I struggled for 8 yrs paying it. they never contacted my husband who was the primary borrower me second but it was my deed. I tried modifying XXXX for the short time of three months. then the interest went way up the payments were really high again. I kept falling off course. My daughter let them take on a few occasions a payment out of her account. XXXX time they took XXXX payments every XXXX weeks out of her account without her permission. They never tried to make me out a new contract. This account has XXXX or XXXX different account numbers. They say it started in XXXX when it was XXXX. I have all the office sent papers. my debt after 9 yrs is almost XXXX when it was maybe XXXX at the beginning. I have XXXX sons XXXX and XXXX my XXXX yr old mother we are in foreclosure, They never contacted me for auction or tried to wait for me to get the settlement offer of XXXX these people are under predatory lending and work with citi the red umbrella and are not under Citibank . They are misrepresenting the lending status as a mortgage my house was mine they did not loan me the money to buy it. they paid a realtor to come to my house and leave by XXXX XXXX XXXX. I need help

Company response to consumer: Closed with explanation