BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-09
Company: Fedloan Help
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I was told that the Fed Loan Help company was taking over my student loans and giving me a payment at a much lower rate based on my income and the XXXX that I XXXX. I was told that the money I was paying Fed Loan Help was going towards paying my regular student loan payment as well as a XXXX $ fee for 4 months for their services. 
I was informed by Fed Loan Servicing that my loans have been in forbearance since XX/XX/2016 and no payments have been received by Fed Loan Help. This is not what I was told on the telephone and I would never have agreed to such contract. My loans should never have been put in forbearance and payments that were directly withdrawn from my account should have been used towards my student loan balance ( as I was told ). Fed Loan Help is a scam and did not fulfill what I was promised over the telephone. How are they affiliated with Department of Education when DOE has no recollection of what they are communicating to customers?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: Mobiloans, LLC
State: OK
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I emailed Mobiloans on XXXX/XXXX/XXXX to close and settle the account. Mobiloans replied with a settlement amount of {$700.00}. I stated the settlement amount should not have any interest or fees added and I wanted to be reassured of that. I was never given the interest rates or fees or how much the payments would be applied to the balance. I have made a total of {$870.00} payments to Mobiloans and I still have an outstanding balance. Mobiloans responded to my email twice stating The issue you 've described in your email may be resolved more efficiently if we can speak with you. I stated in my original email that I would only respond by email. I have spoken to Mobiloans Customer Representatives before and they have given me misleading incorrect information. I stated in my original email to to have the ACH Revocation stopped to have them stop debiting money out of my account. I received a reminder from Mobiloans stating that I have auto pay and that they draft the minimum payment to be drafted on XXXX/XXXX/XXXX. Mobiloans stated in the email that they have stopped automatic payment drafts from my checking account as of XXXX/XXXX/XXXX. I am getting no where with this. I am submitting supporting documentation such as emails and payment history. Please HELP!

Company response to consumer: Untimely response
Consumer complaint received 2017-03-31
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I asked for a loan assumption since my husband died XX/XX/2011 and the mortgage was in his name only and I wanted to start a loan modification process. 
I was denied as a widow.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: Paypal Holdings, Inc
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was sold patio furniture by XXXX and I find it to be sub-par. I want a refund to replace the faded cushions and ripped and torn covers. Below is my correspondence with the company, and the transaction details ( plus an additional {$130.00} they charged me for patios covers- see pictures attached ). 
Dear XXXX, How long do you think this outdoor set will last under normal conditions? 

Thank you. 

- XXXX XXXX, The frame is powder coated aluminum so it will not rust. We sell outdoor storage covers to help protect the furniture. I would recommend putting it inside somewhere during winter months to help the longevity of the product. If you take all these steps there is no reason this furniture will not last years and years. 

- XXXX XXXX, Attached are pictures of the patio set I bought from you 9 months ago. I had to order the 'covers ' from you because the red cushions I ordered turned pink in the sun the first day. They are so bad now, I just leave the furniture covered ; I will probably have to buy expensive fabric paint and paint them so they are not such an embarrassment. The covers are completely and utterly worthless ; they tear like tissue paper. I live in downtown XXXX XXXX where it rarely rains, there is no wind, and the average temperature is XXXX degrees. There is no snow or thunderstorms. For the money I spent, I am very, very, very disappointed in the product you sold me. 
XXXX XXXX XXXXPaid withVISA x-XXXXYou 'll see " PAYPAL XXXX '' on your card statement. 
Shipped toXXXX XXXXXXXX XXXX XXXX, CA XXXXUnited StatesTrack your shipmentXXXXXXXX XXXX, Marked as shippedStatus : ShippedTransaction XXXX infoXXXX XXXX ( XXXX ) XXXXXXXXXXXX to XXXX XXXX red cushions, please. Any issues, please do not hesitate to contact me. Thanks again, XXXX XXXXYour purchaseXXXX PC Modern Outdoor All Weather Wicker Rattan Patio Set Sectional Sofa Furniture $ XXXXItem # XXXXShipping $ XXXXTax $ 0.00Purchase total $ XXXXFee $ 0.00Total {$1100.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: Paypal Holdings, Inc
State: TX
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
On XX/XX/2016 Paypal limited my account due to activity changing. I uploaded requested information, and they reviewed it. Upon calling customer service, they have been unable to give a valid factual definition of why account was limited, or describe any type of activity that increased risk. Upon review they requested further information which I have provided through multiple means. I have emailed, uploaded, emailed, and uploaded multiple times. Paypal continues to spin in circles and hold my money, not allowing me to access it without any logical reason. 

At this point, Paypal has denied me access to my funds of {$4400.00} since XX/XX/XXXX. I have recently been emailing, and calling daily with no resolution. Paypal is continuing to withhold customers money for arbitrary means, similar to a recent class action settlement. They provide no relief, do not respond to emails, upload submissions, or provide any resolutions. They are wrongfully withholding valid funds, in order to use the funds and profit off of them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 1261 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : 1261 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2016-06-17
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: CA
Product: Other financial service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
Global Client Solutions accepted a total of {$1500.00} in payments on my outstanding debt they paid {$420.00} out to said debt and kept {$1000.00} of the money with no explanation as to where that money went. I was originally told that {$370.00} would go toward my initial fee for their services which leaves {$700.00} unaccounted for and never returned.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: WESTERN UNION COMPANY, THE
State: IN
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I used the Western Union app on my IPhone to send {$600.00} from my credit card to my sister 's bank account. The first time I tried to complete the transaction, the app told me that it could not be completed at that time and to try again later. I did and the transaction went through. I was later emailed and told XXXX transactions went throught. I was able to get the second {$600.00} back from my sister, but not the fees. I called their customer service and was told by a floor manager that I could get a refund of {$25.00} by mail and was given a reference number. Later, they emailed me again and said they could n't refund the monty. I have tried a dozen times now to get them to return my fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25
Company: Collection Resources, Inc.
State: NM
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint:
one day as I tried to buy a home for me and my family the company I 'm dealing with get the home informed me that I have a medical bill in collection that I have to take care I did research and this and it came out to be when I had my daughter, I was sure I had medial coverage I called XXXX to get conformation that I did have XXXX during this time. I also made contact with women specialist witch i then started asking why i was been billed they then read to me a address they had incorrectly. a few phone calls and a schedule hearing to get a coverage letter saying I had medical coverage at this time. then I was told by XXXX to call he collection agency and let them know that I have a paper saying I have coverage and to XXXX them over the proof. so I did so I was then told to called the company that billed me and asked then to re bill me so Medicaid can cover this. then the women specialist sent me a paper bill instead of re-billing there for I went completely around again making phone calls to the Medicaid collections women specialist finally a couple weeks in I talk to a manger at women 's specialist who then said they can not help me because it would be just time filling and they could n't do anything about it I then told them this was not my fault and they had the wrong address they said this address they had they got it from the hospital I then asked if they had the address why could n't they get the XXXX information also. these people where not from my request the hospital called them in to help not me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-27
Company: Russell W Richardson, Attorney at Law
State: IN
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Company has called XXXX family members. They have my first name correct, but not last name. I 've started receiving these scams since I recently received new credit cards. I 've told them it 's not my debt, and they still continue to ask how I 'm going to take care of this debt. If I do n't, legal action will be taken. They will not validate the debt, except a generic invoice through email. It 's also a debt from 2008, over 8 years ago. The 'representative ' claimed they have special permissions to bypass the statute of limitations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-23
Company: First Recovery Solutions, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
On XXXX/XXXX/XXXX, a robocall was left on my voicemail - stating that there was a message for xx and given claim # XXXX. I returned the call. I was told I was in Breach of Contract for a payday loan taken out on XXXX/XXXX/XXXX from XXXX XXXX, and I owed {$500.00}. When I asked for a mailing address for the debtor, I was told they could not provide that for their own security. They said they could email me information only. They provided a fax XXXX Attn : Arbitration. They stated that if I did not pay on the debt via credit card, would go to jail and I better get a " good lawyer. '' They had my last XXXX of my social. They are leaving these messages on my cell phone and sister, husband, mother and brothers phone. They do not have a legitimate company -- internet research is showing this is a scammer number. I do not have any outstanding payday loans - nor have I taken any payday loans in XX/XX/XXXX. These company is operating as a bogus debt collector and will only accept payment via electronic means. They will not provide a mailing address. I have called multiple times and they yell, threaten with jail time and that they will see me in court, and then hang up. They will not give you any verification of alleged debt, will not provide you anything via mail

Company response to consumer: Untimely response
Consumer complaint received 2023-02-06
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Last year my PayPal account got banned. I received an email from them saying I violate user agreement policy but they did not explain the specific reason and what rules I violated they just banned it and put permanent limitations in my account so I can't access my account balance nor send or withdraw it. 

I researched online what are the common rules of PayPal and I think it's because I try to link my PayPal account to my bank account that my mother already try to link that bank account of mine in her PayPal but unsuccessful since it did not match her name and my bank account.

I thought that bank account of mine is free to link on my own PayPal account as my mother failed to link in hers. 

I did not intend to commit any fraud or any illegal activity or any violations I hope PayPal gives me a second chance and let me retrieve my account. 

I sincerely apologize for inconveniences I have made in PayPal for that matters but please give me another chance to correct my unintended mistake

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: CITIBANK, N.A.
State: NH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a Citibank Interest Checking account because they were offering a {$400.00} cash bonus. The terms of the bonus were as follows : must deposit {$15000.00} within 30 days of account opening and must maintain that balance for 30 days. The bonus would be paid within 90 days of meeting those terms. 
I transferred in {$15000.00} on XX/XX/XXXX Met 30 days criterion on XX/XX/XXXX ( balance never dropped below {$15000.00} ) Met +90 days criterion on XX/XX/XXXX I 've tried calling Citibank several times since then to get them to post the bonus to my account and have been met only with promises to investigate the issue further. The representatives I 've spoken with have confirmed my eligibility for the bonus and seem as perplexed as I am as to why I have not yet received it.

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 2017-03-22
Company: Round Two Recovery
State: OK
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:
The debt they are adding to my credit report is my mother 's account. I never agreed to this account the only way they are linking me to it is because I let her use my debit card to pay but I was not the account holder. I have never received any billing or notifications from them just one day the charges appeared on my credit. I have disputed the charges twice. It will get removed then a different credit collections company will add it back on my credit. First it was under Round two credit recovery that was removed and now it was readded back by XXXX. Also the date on it is incorrect the account she made with them is at least 5 years old or older and they are reporting it as if its new.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06
Company: GREAT LAKES
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I believe my student loan servicer, Great Lakes, is engaged in some shady practices. I have personally stayed on top of it, but I am tired of having to constantly make sure I 'm not getting screwed over and I 'm concerned that other people are getting screwed over because they do n't know any better. Here are some examples : I 've been repaying since XXXX XXXX. I started on IBR and moved to RePaye when it became available ( XXXX ). When I attempted to renew my IDR app in XXXX, Great Lakes " misprocessed '' my application and used my salary rather than my XXXX from my tax return. I know they are supposed to use XXXX, but none of my peers appeared to know that at the time. How many students are n't getting the relief they need or forgoing retirement and healthcare spending in order to make their student loan payments? 
When I renewed this year, they tried to move me off of RePaye to the more expensive IBR plan. After I called, their customer service rep said this was a mistake and that I would remain on the RePaye plan. 
Finally, Great Lakes claims that if I do n't renew my IDR app yearly, my monthly student loan payment will go up to {$1300.00}. However, when I use the studentloans.gov estimator, the standard repayment plan payment is only {$790.00}. The {$1300.00} number is the number that I am expected to pay at the END of the RePaye payment term. This does n't seem correct to 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 2016-02-02
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of credit fraud and there has been unathorized inquiries on my consumer report, I disputed this information with the creditors and they informed me that they ca n't do anything about it and that I should contact the credit buruea to remove this inquiries. They are adversely affecting my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Advertising and marketing

Complaint:
XXXX XXXX solicits the public to sign-up for its XXXX XXXX Citi credit card by offering the flying public several perks.including among them the right to have XXXX Boarding when purchasing a ticket. That is being able to board before the general public and therefore to have more time to relax and prepare for your flight. In the past XXXX months XXXX has failed XXXX to honor this advertised perk for my wife and I.. Their most recent response to me today was : 'The number of customers previously included in XXXX was simply becoming unmanagible. '' If this is their position why are they allowed to keep advertising this perk to the public as an inducement to accept their card. No goodwill adjustment has been offered to date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-04
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have dispute remarks only credit report that they refuse to remove. I have called the collection bureaus multiple times as well as Navient. I wrote a letter to Navient requesting the dispute remarks to be removed. They keep saying it is taken care of but they keep putting " consumer disputes after resolution '' back on my report. The keep telling me it takes 30 days but it has been over 3 months. I DO NOT want to dispute this account i need the disputes remarks removed immediately. I am trying to buy a house and can not get approved for a loan because of this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
Navient reported my fed loans 6 months late and they had been paid in advance and now they harass me with 6 phone calls a day if im late because im on income based repayment and they told me im not allowed to apply for baorrower defense cause i went to devry and they told me i would be helped finding a job and navient told me to ask for federal loans like deferment to stop payments for a few months i need to pay a fee of XXXX dollars also they have an auto dialer on saturday that constantly calls but when you call it back they say call back on monday why do you harass people on saturdays and they call from different states all the time

Company response to consumer: Closed with explanation