BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXX  XXXX, XXXX & XXXX XXXX XXXX XXXX, DEPT OF EDUCATION/XXXX XXXX, DEPT OF EDUCATIONXXXX, DEPT OF EDUCATIONXXXX, has violated my rights. 
DEPT OF EDUCATIONXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX bankruptcy discharged 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 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 2016-04-15
Company: Paypal Holdings, Inc
State: AZ
Product: Credit card
Issue: Other

Complaint:
PLEASE NOTE : PAYPAL AND BILL ME LATER ARE OWNED BY THE SAME ENTITY I have two accounts : # 1 Bill Me Later / XXXX account # XXXX PayPal Credit account I was staying current on both of them. After XXXX XXXX ( my last payment to account # XXXX, see evidence XXXX ), I was told by PayPal that account # XXXX had been renamed and reclassified as PayPal Credit. It was noted that I need not do ANYTHING further to consider account # XXXX as a PayPal Credit account ( please see Evidence XXXX ). 
You can link your PayPal Credit account to PayPal.com account. However, my original PayPal Credit account ( # XXXX ) ended up being the linked account on the PayPal.com website ( never offered a selection ), with NO ability to link the new, secondary PayPal Credit account ( # XXXX ). I had no idea the functionality worked like this, nor was this disclosed in the PayPal Credit FAQs ( see Evidence XXXX ). Thus I began paying down the PayPal Credit as usually ( # XXXX ) as shown through the PayPal.com website and completely paid that balance to zero ( see Evidence XXXX ). 
Little did I know that # XXXX was never linked to PayPal.com, so I had no visibility into the account or to access statements. I did not know that I had to go to the OLD Bill Me Later / XXXX site to make payments as PayPal was even calling the new product PayPal Credit! This is very misleading to the consumer who assumes his product is called " PayPal Credit '' now. 
This resulted in me not paying off a promotional no-interest offer by XXXX XXXX ( original balance {$450.00}, see Evidence XXXX ). Interest was accrued ( and is still accruing ) with penalties. Interest and penalties as of the XXXX/XXXX/XXXX statement amount to {$290.00}. My proposition to PayPal was to pay the {$450.00} and cancel the card. They refused and demanded I pay interest. I will not do this as I believe PayPal did not take into account situations in which customers would now have more than XXXX PayPal Credit account. 
The situation was further exacerbated when I would call in and the representatives would refer to XXXX accounts as PayPal Credit, which I would then assume was paid off. 
I am a good American who takes his debt seriously ( please see my XXXX, Evidence XXXX ), but feel like I was unintentionally misled by a process that was n't thought through end-to-end. To this day, I am unable to link XXXX accounts to PayPal.com even though they are PayPal Credit products. I reiterate, I am unable to get a holistic view of my credit with PayPal in XXXX spot. I have no problem paying the debt I signed up for, but I would never in my life pay interest on a promotion I knew I had to pay off. PayPal should have disclosed the issue with their linking and informed customers they should continue making payments through the old portals they were used to. Please help, CFPB. PayPal refuses my offer and wants to turn a profit on their poor system design.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-01
Company: DigniFi
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Dignifi reported a 30day late payment on my credit report for XX/XX/XXXX. I called them immediately upon seeing this, I was told by the customer service representative XXXX, that my payments were never 30 days late and that I need to submit this in writing and fax it to them. I did exactly what was asked of me. It was confirmed on my credit report. I called them back and spoke to customer service supervisor, who reviewed my account and verified that info not have any 30 day late payments and indicated I need to fax ( again ) a letter indicating this information. I made a payment XX/XX/XXXX which was late however not 30 days late. I again submitted a payment on XX/XX/XXXX and paid the account off on XX/XX/XXXX never submitting a payment over 30days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Upgrade, Inc.
State: TX
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:
Since XXXX of XXXX I have been disputing the " app '' with Upgrade. It has been showing a delinquent amount from XXXX to now {$270.00}. XX/XX/XXXX I had applied for a hardship due to XXXX. In which I was told that I was approved and would have to make the monthly payments in the amount of {$120.00} starting XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. In which any past due amounts would be added to the end of the loan cycle and processed to the end of the loan. In XXXX my payment of {$400.00} was going to resume. In XXXX I logged onto the app and noticed the amount was still incorrect. I called and spoke with an Unidentified agent that stated " oh the person that did your application did not update the aged report, it will take 1-4 business days. Again I called today and I was told that " oh you are still delinquent from XXXX, I advised there is a payment in the amount of {$400.00} that was withdrawn from my account XX/XX/XXXX ( payment was made via the app on XX/XX/XXXX after I was assured that the report would be " updated '' ). I was told there would be a " freeze '' on the card until I made the additional payment and would not be able to utilize my account until this was corrected. Every time I call upgrade I am told something different. Each rep has a different finding and policy. I am pretty sure I am not the only account holder that is facing this issue as I have been advised " oh ya the app is always going through glitches ''. I am requesting an investigation into this company for possible violations.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-22
Company: Paypal Holdings, Inc
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
On XX/XX/2016 I sent {$2100.00} to a friend. I sent it as a payment so it incurred {$64.00} in fees to my friend for the transaction. Then she got a notice from PayPal stating that she could not get the money for 21 days because of a hold. 
The money I sent was done as an Instant Transfer and the money was immediately taken from my bank account so I was shocked that it needed a 21 day hold? I bank with XXXX XXXX so should not be any problem clearing. At this point, we decided it was faster and easier to just send a check via USPS. She then processed a refund the money to me on XX/XX/2016. 
When I checked my PayPal account on XX/XX/XXXX, it stated the refund is " pending '' deduction from my bank account. However, when I checked my bank account online it was deducted the instant I submitted the transaction to PayPal. 
I still had to pay my friend the money so yesterday I sent another transaction, via Friends and Family option, and the money was again instantly taken from my account. When my friend received the funds, Paypal wanted to put another hold on the funds that I sent, but my friend was able to access 50 % of the money on XX/XX/XXXX and then have the remainder avaiable on Friday, XX/XX/XXXX. 

Today is XX/XX/XXXX, both transactions I initiated through Paypal as Instant Transfer were deducted from my account but I am still waiting on the refund that was processed on XX/XX/XXXX. 
Both transactions were deducted " instantly ''. On XX/XX/XXXX I spoke to a " XXXX '' at Paypal about the " pending '' refund. He told me that he could see the money had been deducted on the XXXX and he would escalate the transaction and I should see the money in my account in 24-48 hours. As, I need the money back from the first transaction. This is {$2100.00}. It is now past 48 hours, I called this afternoon on XX/XX/XXXX, to Paypal, and the person I spoke with kept telling me that the funds had not cleared from my bank account yet, which is a big fat lie! How could they have given my friend 50 % of the funds on XX/XX/XXXX if they in fact did not have the money from my account. This is total scam and I will never use their service, if it can be called that again. I they are holding my {$2100.00} just to hold it. If they want to call them self a payment method they need to step up their game. Next time I will send via XXXX XXXX or snail mail. I need the refund processed on XX/XX/XXXX refunded asap. I hope someone at your office can assist me in getting the cash back. I can provide documentation ( screen prints ) from my checking account that show the funds were " instantly '' transferred. They should be able to " instantly '' put them back. XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have been in touch with more than 1 month finally their executive assured me after submitting affidavits I will get my funds back it was on recorded line as of XX/XX/2022 but yesterday again they humiliated and refused to honor their on words Im feeling helpless

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 2016-06-07
Company: Flagstar Bank, N.A.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Due to family medical issues I did not make monthly mortgage payments for about a year. Recently, I was able to find a buyer on the home and the only thing delaying the closing is the payoff statement. Twice the bank provided an expired payoff statement, which I can not use. I called the Bank 's attorney and the direct me to the Bank. I call the Bank and they direct me to the attorney. I would think not being paid for a year, the Bank would be eager to get its money.

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 2016-10-06
Company: I.C. System, Inc.
State: CT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
The company IC systems contacted my employer and shared debt information with them. The company is continuing to hit my credit report with hard inquiries each month.

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 2016-05-25
Company: I.C. System, Inc.
State: CA
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:
XXXX is trying to make me pay for a service I did not have. I Canceled my service with XXXX XXXX XXXX on The morning of XXXX XXXX, 2015 then turned my equipment in which was XXXX box and XXXX remote the following Friday which was XXXX of XXXX. I canceled my service with XXXX because on XXXX XXXX of 2015 XXXX XXXX XXXX came and installed XXXX and Internet, so at this point I know longer needed service from XXXX XXXX XXXX that is why I canceled Friday morning XXXX XXXX, 2015. Two weeks after this I received a bill from XXXX XXXX XXXX for {$41.00}, claiming it was for service from XXXX XXXX to XXXX XXXX of 2015, but I did not have service from XXXX XXXX XXXX on those dates, I owe them no money. I then called them and spoke to a supervisor talked about the situation and they said the charges would be dropped. About two weeks after that I received a letter from a credit agency claiming that I owed XXXX the {$41.00} plus interest which now they claimed was {$58.00}. This agency was called " XXXX XXXX XXXX '' I contacted them and also sent a letter 100 % disputing the validity of their attempted collection, I explained to them what happened & about 10 days later I received a letter back from them stating they were dropping the attemped collection after reviewing my information that I had given to them. so after speaking to XXXX XXXX XXXX and then dealing with this credit management collection agency I thought everything had been dropped. unfortunately I was wrong it 's been almost a year later and now I and being harassed by another credit collection company called " IC System ", they are claiming the same thing the first credit card company stated, so I contacted them and also sent them a letter and paperwork 100 % disputing the validity of their notice. now they are claiming they never received a letter from me so today I 'm sending them off another letter, very frustrating this 'll be the second one I sent to them. At this point I 've called them and sent a letter disputing the validity of their notice and they will still not quit calling and harassing me, Now they 're saying if They do n't get the letter to them in time they 're going to report me to the big credit agencies. Report me for what, I have done nothing wrong I owe no money & this notice is completely bogus. please help me resolve this issue ... ... I have excellent credit and they are trying to ruin it, they are creating a lot of extra XXXX in my life and 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 2016-01-30
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received a notice of debt collection that went to my old address for medical bills that I never had. The fact that this went to my old address and I have not been to an Emergency Room or had any operations, makes this seem suspicious if not fraudulent. I recently purchased a home and no-where in the loan application did this debt show up. After a quick XXXX search, said company has been accused of shady and fraudulent business practices in the past and the majority of anonymous users instructed readers to take their problems here to potentially resolve the issue, I sincerely hope that it will.

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 2016-05-11
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX I went to XXXX XXXX Hospital ER for a XXXX, XXXX, used my health insurance card. I was looking at my credit score XX/XX/XXXX and come to find out I have a collection agency trying to bill me after 5 years! CMRE Financial Services Inc. I never received a bill and now its messed up 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 2016-04-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
I applied for a refinance of my XXXX XXXX Mortgage with Wells Fargo Mortgage. They insisted on holding over {$4000.00} in escrow to pay taxes current on the property even though they had evidence from XXXX XXXX that XXXX XXXX had paid the taxes from escrowed funds taken each month in the payment. They said they would hold the {$4000.00} until they had official confirmation of the payment of taxes from the county and adjusted the Closing Statement to reflect that they would not be sending the Taxes to the County for payment. Then, Contrary to what is in the Closing Statement, they sent the payment to the County and now they are attempting to get it back. The mortgage closed on XXXX XXXX and I still do n't have my $ XXXX+ back.

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: Convergent Resources, 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 received XXXX collection letter from Convergent Outsourcing in reference to XXXX accounts I allegedly owe to XXXX. These accounts were oped fraudulently using my name and personal info. I have advise the credit bureaus and Convergent that this is not mine, Who would open to XXXX accounts on XXXX different address on the same day. Convergent refuses to help with this situation and its hurting my chances of purchasing a property, since its being reported to the credit bureaus as XXXX collections

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08
Company: American Credit Acceptance, LLC
State: NE
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Consumer attempted to finance a vehicle through a dealership that faxed the application to American Credit Acceptance finance company XXXX XXXX 2015. American Credit Acceptance finance company sent back a denial letter ( consumer has copies consumer is attaching to South Carolina 's Attorney General 's complaint form ) dated XXXX XXXX 2015 stating that consumer was NOT eligible to receive financing from American Credit Acceptance, LLC., due to consumer 's negative credit rating. Consumer received a Notice Of Right to Cure letter ( dated XXXX XXXX 2015 ) from American Credit Acceptance stating that consumer has until XXXX XXXX, 2015 to send payment of {$1100.00} on an account consumer was denied ( in writing ) and does not owe. Consumer was sent the fraudulent demand letter by US Mail ( certified return receipt ) which constitutes 'mail fraud ' and is indicative of 'extortion ' under South Carolina 's Code of Laws ( Section XXXX ) and Attorney General XXXX XXXX XXXX Office who has requested a formal complaint be filed by consumer along with evidence accompanying the complaint form as these types of fraudulent practices harms the general public. In an administrative process to begin a formal lawsuit against American Credit Acceptance finance company, consumer is documenting this complaint to attach to the complaint consumer is filing with the South Carolina Attorney General 's Office. Consumer will NOT pay American Credit Acceptance anything as consumer will not engage in extortion on ANY level. Consumer wishes to thank CFPB for providing this venue of mediation and documentation as it is greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: American Coradius International LLC
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I have XXXX issues. They continued to contact me after I sent written notification asking for validation and to stop the phone calls. They continue to call me at work when I asked them not to. They told my boss why they were calling. 

When they call I tell them I do not consent to be recorded as is my right in the state of California and they tell me they wo n't stop recording unless I validate my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: Solomon and Solomon, P.C.
State: WI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Debt is already being collected by another debt collector!

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 2017-02-07
Company: 2288984 Ontario Inc.
State: MD
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I applied for a payday loan of {$570.00} in XX/XX/XXXX. The first payment was due on XX/XX/XXXX, of {$270.00}. Paynent was successfully paid. I told XXXX, That I would like the payments to be paid on the XX/XX/XXXX or XX/XX/XXXX of each month. She said OK. I contacted her to let her know that I had change my bank account because, someone had taken XXXX from my account. Even so, the bottom line she is saying in order to pay this account off I need to pay on the tenth of XX/XX/XXXX {$420.00}. and that is only a payment. I asked what was the interest she said 0.5 percent interest. The next payment I do not know what she will add on. I needed the money and I feel this is a rip off. Can you help me. In addition I believe the interest is totally wrong. 0.5 percent.

Company response to consumer: Closed with explanation