BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-12
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit 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:
We purchased appliances and charged the balance of  XXXX .  XXXX  to newly opene d Sears  credit card, we paid the balance in full on  XXXX / XXXX / 2017 . However, the new balance of  XXXX .  XXXX  balance appeared with the reference of   XXXX   XXXX   XXXX   XXXX   XXXX  , which eventually changed to Laundry, Alterations, Gift Wrap, Other. When I asked for explanation or proof of any purchases, I was bounced from department to department ; nobody could provide any information but refused to reverse this unsubstantial charge. On- line service provided me with different explanations, as well.   On  XXXX  after asking for the proof multiple times, the  Sears  respond was : We received your recent inquiry regarding your account.   Thank you for contacting Cardmember Services regarding the charge posted to your account on  XXXX / XXXX / 2017 .   This transaction in the amount of {$100.00} appears to be a purchase for Laundry, Alterations, G ift Wrap, Other. ''

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 2016-02-24
Company: Paypal Holdings, Inc
State: CT
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
We bought a range online and were offered an option to use PayPal line of credit. We accepted and they approved for slightly more than the purchase price. 

They then refused to honor the credit line for that same purchase saying it was a new account so we needed to develop a history with them. 

The reps were unhelpful and acknowledged that this happens as " they advertise at point of purchase '' and then decide whether they will let you use the whole credit line. The supervisor, XXXX XXXX in the Maryland office was particularly rude and unhelpful. 

Locking the credit is ridiculous as they extended it specifically to buy this product and have now stuck us with an unwanted line of credit. If we close and get somewhere else it will impact our credit. It is a classic bait and switch to get us to open the credit line and then not let us use it or even appeal to a department in PayPal Security. 

Their reps and supervisors say nothing can be done. No one can take the security block off. They obniously have heard this complaint before. 

This is clearly a scam, funded by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I went to a n HSBC branch to cash a check from someone on their HSBC account. The teller asked me if I have an HSBC account. When I said no, he told me in order to cash their own check, they would have t o charge me {$5.00}. I told him that is ridiculous. He said there is nothing he can do.     I can deposit it in my own account in another bank to avoid the charge, but this really punishes poor people who can not afford bank accounts. It is an outrageous abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been h it  XXXX  or  XXXX  times on my credit by Common Wealth Financial, som e medical collection company. It is hitting my credit as new debt. I have not been to an  emergency room s ince   XX/XX/XXXX a nd never any of the ones they are listing. I asked them through their rep  XXXX  to provide me with paperwork showing my signature authorizing procedures or patient paperwork. The representative  XXXX  said it could take  up to 3 weeks. I  said that is fine. I finally get something in the mail for them and it is just a bill. The guy calls me back and says, " did you get what I sent you? '' I advised that all I received was an invoice for what they were trying to collect for. He said that is all they have. I advised it was not my debt and that I will be disputing, there is no paperwork on me.   My score dropped almost  XXXX  points in la st 2 week s because they are making a debt that is not mine look as though it is something new. They already advised that whomever had this debt it is from  XX/XX/XXXX , not in last 3 months as it is showing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had an XXXX done and I was under XXXX help in the state of NJ. XXXX hospital in NJ. The hospital knew that I was unemployed at the time because of my XXXX XXXX having gone through XXXX different XXXX in under 1.5 years. And yet they sent me to a XXXX who was outside of the XXXX network who of course billed me after the procedure was complete. 
The Hospital knew that the procedure was imperitive and yet they chose to send to a doctor who was outside of their network. Though I had asked them repeatedly about sending to a doctor inside of their network so I 'd be protected under the state XXXX program and insurance. Now i have an outstanding debt on my collections for the amount of about $ {$1700.00} and it is affecting my credit ratings. Please advice me as I do n't know how to move forward to have this taken off my credit records. Thank you for your assistance. My email is ( XXXXXXXXXXXX ). Name : XXXX 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 2015-07-05
Company: Paypal Holdings, Inc
State: MI
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
In XXXX 2015, I received XXXX separate deposits of {$100.00} each on the same day to my paypal account. I immediately requested the total amount of {$200.00} to be transferred from my paypal account to my checking account. It is months later and I still do not have the {$200.00}. I reached out to paypal numerous times by phone and email to try to resolve this issue and still have no resolution. I just want my money. I have even had successful transactions since so there is n't an issue with my accounts nor my account numbers. They are in violation of the California state 's Money Transmission Act section 1841 which reads : '' Every licensee or its agent shall forward all money received for transmission or give instructions committing equivalent money to the person designated by the customer within 10 days after receiving that money, unless otherwise ordered by his or her customer. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I 've attempting to apply for  XXXX   XXXX   XXXX  that is up to {$17000.00}. I have worked in a   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  for the passed 21 years, and meet all the requirements but have received no assistance.     I 've completed all the necessary paperwork but to no avail. I continuously receive emails notifying me I eligible for the assistance ... ... then complete the paperwork and nothing happens.     Why?     Can you help.     Sincerely,  XXXX  in too much debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
We have a l ocal Toys 'R ' us credit card. We had a balance t hat we believed we paid in full, we called and paid {$300.00} and change for that purpose. Somehow there was a balance that hit the card after, we at best, were told perhaps a billing charge was applied after we paid. That {$6.00} charge sat on the card for over {$30.00}, we did not know it was there and it dinged or credit harshly, dropped  XXXX  pts.     My family has worked for years to keep our credit rating up and have n't had a late payment on anything for years. That {$6.00} hurt us like it was hundreds or thousands and should have never been on the card in the first place.     We want the report struck from our credit. We are furious. We just paid the card and are waiting for the balance to clear and cancelling it. This was absurd.

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 2017-05-12
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Tried to resolve this in  2015 .   XXXX   company charged amounts that were not allowed by my insurance. Sent them to collections, when collections called I sent them   XXXX   XXXX   and wrote a letter explaining that the amount charged was not what I owed.  Made  payments for what I owed. Mailed them a letter, mailed radiology company a letter with copies of    XXXX  .  They made an adjustment but the wrong amount, called back and spoke to   XXXX   company told they would handle. Told collection agency. Had insurance company call   XXXX   company and had them call the collection agency. Collection agency still refuses to do anything until   XXXX   company says so but still reports incorrect information on my credit. Has been for 2 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: Paypal Holdings, Inc
State: NE
Product: Credit card
Issue: Privacy

Complaint:
I was scammed in XX/XX/XXXX by my credit card company and pay palcredit. I purchaced an item on line using my credit card only and was billedthru pay pal credit, opening an account without my permission. I believe mycredit card issuer gave personal info to pay pal credit without my authorizationin violation of their privacy statement. I believe they did this for a fee. I madecontact with pay pal credit, my card issuer, and paypal themselves to reversethis charge and close my pay pal credit account. all refused and I was billedfor fees, my credit card was cancelled, I lost points from my card and I believemy credit has suffered. I have documented the times, dates, and who I talkedto at each step. I noticed in the press release yesterday there was scant inforegarding credit card companies taking a kickback for releasing protected infoof consumers. this is what I believe happened in my case. any info you cansend me would help. I was not able to get our states consumer fraud divisionmotivated in XX/XX/XXXX to even look into the problem. even with yourpublicity yesterday they will not open even an inquiry in spite of knowing thedeceptive practices of pay pal credit and my credit card company. I wouldlike my credit card companies to honor their own privacy statements or letthe consumer know they will be releasing ss # and other personal info fromthe credit card application to others who will open accounts in their name w/othe consumers knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: I.C. System, Inc.
State: SC
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:
The collection company has ignored my request to validate the debt and continues to report the alleged debt even after I have disputed the validity of the debt.

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 2017-05-12
Company: CITIBANK, N.A.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
twenty two t housands dollars charged by a fake account holder who uses my name since   XXXX   XXXX   XXXX     and have all the documents that the fake account with a diffrent adresss and citi found that it is all fraudulent activities, they have not come clean or explained what happened. my name has been given to collecting agency with negligence and they are not willing to restore my identity.

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 2017-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
De ar Sir and/or Madam : I h ave an auto loan with  Capital One  Auto Finance. My daughter was severely injured and was admitted to the hospital and under a doctor 's care for several days / weeks. I made a payment online to  Capital One Auto Finance, but unfortunately  in the confusion of everything going on, I inadvertently scheduled the payment late. Once I realized my error I called  Capital One Auto Finance and explained to them wh at I had done. I spoke to a customer service representative named "  XXXX  '' on   X/XX/17 .   XXXX  was very nice and explained to me that the payment would be fine and that I should n't worry about any " 30-day late '' on my credit report. I asked him if there was anything that I needed to do, and he said that everything was fine, to relax, and tend to my daughter. I was very grateful to him for his help and assuring nature.     I was obviously horribly shocked with  a 30-day  late showed up on my credit report, so I called  Capital One Auto Finance back. I spoke to another representative who admitted to being able to see al l the notes as described above. He very matter-of-factly indicated that he would not be able to remove th e 30-day l ate, and that the previous customer service represe ntative (   XXXX   ) ha s been fired. I found it very unprofessional that the new customer service representative would be so blunt and disclose this sensitive personnel information to me. Nevertheless, I asked what I could do. I tried to get him to understand that I had called in and was given erroneous information - he even verified everything that I was telling. No matter what I said, he simply told me that he could n't help remove the  30-day  late and if I " really wanted to '' I could appeal his decision, but that it " would n't help ''.     I am hopeful that reaching out to the CFPB will help me alleviate this concern. When a consumer calls for information on their account they rely on qualified professionals to give them accurate information. I followed what the customer service representative told me and did everything that he told me. All of these interactions were verified by the new customer service representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I filed an complaint with Barclays bank of XXXX on XX/XX/2015, I advised Barclays that, Title 15 U.S.C. 1681s-2, " Responsibilities of furnishers of information to consumer reporting agencies, '' mandates the reporting of only accurate, verifiable information. Put another way, the FCRA requires that all items on my credit report must be verifiable, accurate and complete. In this regard, I hereby requested a copy of the original contract, signed by me, that began this alleged debt. This copy must contain my authentic signature, and must be mailed to the address provided below. 
As I am sure Barclays are aware, if the documentation requested above is not available, the disputed item must be removed from my credit report, otherwise Barclays company will be in violation of the FCRA. 

Unless the original, signed contract is provided to me within 10 days of your receipt of this letter, I will be forced to assume that Barclays are intent on failing to comply with the law. In this case, the item must be removed from my credit report. If Barclays fail to respond in writing, signed by hand, in a timely manner, I will assume that Barclays are in error and this matter will be challenged. As Baclays further know, this notice has the same effect as a dispute of the accuracy of the alleged debt and Barclays claims. This notice is an attempt to collect evidence of your noncompliance in case further action is required. It is not a statement, election or waiver of status. 
If you fail to comply within 15 days from the dispute dated XX/XX/2015, I will file a complaint with the CFPB, as well as the XXXX. 
As of today XX/XX/2015, Barclays have not provided the contract with my authentic signature that begun this alleged debt. The allotted time for dispute pursuant to the FCRA has expired and the tradeline is currently reporting on the CRA

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: AES/PHEAA
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Account Name    XXXX   XXXX      XXXX   XXXX   XXXX   Account #  XXXX  I sent this organization via CERTIFIED MAIL  XXXX  items and they never responded.     Notice and Demand to Validate Debt Claim Affidavit to Prove Real Funds of Value Were Transmitted Privacy Act Request They need to remove this item from my PERSON 's credit report immediately. I will record a perfected security interest in  3x the a mount noted plus damages if they do n't remove this item from my credit report immediately.     I will also report them to the  US  ATTORNEY and ATTORNEY GENERAL for Loan Fraud and Securities Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I have received the response from Ocwen and disagree. First I tried to get flood insurance and the insurance company told me I could not cause I was not in a flood zone the email and company are attached. You force placed flood insurance of XXXX a year even though I am not in a flood zone. You say you ca n't use my Social Security income cause it 's not showing in my account it takes 3 months to get SS after applied one or two months just to get a appointment and I did this so I can keep my house when I clearly have the income!!! You sent me a corrected assignment what is a corrected assignment which is enclosed you the signer is a known robot signer and this is 8 years after the XXXX assignment why? The trust you say I am in is not on the SEC website as being active please provide where my loan shows in this trust. Please provide the assignment from XXXX XXXX XXXX to the trust 90 days after close as referenced by the PSA otherwise this constitutes a break in the chain of title and documents are Void California case XXXX vs XXXX XXXX XXXX  supreme Ct case buyers have the right to challenge the assignment of mortgage. I asked for my accounting from XXXX-date why have Ocwen not provided this my statements never have the same numbers on it. My CPA wants to look at this!! I can not believe this company Ocwen has hurt my family and caused undue stress to me and my XXXX veteran husband.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
In 2014, I applied for the Mastercard XXXX card. I received the card and was given a XXXX dollar credit limit and required to pay an annual fee of XXXX dollars. I kept up on payments for approximately 6 months and suddenly my credit was dropped to XXXX dollars. This I believe is a breach of contract -- afterall, why would I originally apply for a card that would only give me XXXX credit. I ca n't get rid of the card because it would hurt my credit score. I do n't want to pay XXXX dollars a year for a card that would only offer XXXX dollars after both parties originally agreed to a XXXX dollar 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 monetary relief
Consumer complaint received 2016-09-23
Company: Paypal Holdings, Inc
State: CO
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Paypal held funds exceeding {$1800.00} on an item I sold on Ebay. The buyer even left positive feedback the item was received. Nevertheless, Paypal held the funds for over 21 days in violation of the Electronic Fund Transfer Act, and in spite of my complaints in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: RFNA, LP
State: MS
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Employees of this office were the not truthful about payoff amount. Employees were very rude and not professional. This business leave derogatory remarks on your credit report even when you are up to date on payments, or when you pay off loan early.

Company response to consumer: Closed with explanation