BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-12
Company: Bread Financial Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Commenity Bank called on a number that was not identifiable, shown on my phone as " no caller ID '' when I picked up the first and second time they hung up after I said hello. Then they repeatedly called me from the number that was not identifiable. When I did pick up later that evening and ask the representative about the calls she was rude and dismissive and said they were allowed to call me multiple times a day. I had just paid this company XXXX days ago, and told the rep when I made that payment that I would call be after the payment cleared to set up more arrangements. The payment cleared my bank this morning!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-17
Company: Medical Business Bureau
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have medical insurance and co-insurance that covers my medical bills. I disputed this outstanding amount with the hospital and it was resolved. Upon checking my credit on XX/XX/XXXX, 2017, the collection was on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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: Card was charged for something you did not purchase with the card

Complaint:
I did not authorize, consent, nor give permission for charges and transactions incurred on my Capital One account # XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-26
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
On XXXX XXXX, 2016, I called American Express asking them to downgrade my account to a no fee version. They told me that it is not possible but offered to open a new account. I was reluctant because I thought it would result in a hard inquiry on my report. The agent assured me twice that there will be no new hard inquiry on my report. Our call was recorded. Before I gave her my authorization, I double checked that there will be no hard pull and she confirmed. Today, on XXXX XXXX, 2016, I have checked my XXXX credit report and found out that they placed a hard pull. This hard pull was obtained without my authorization. I asked them to remove it but they refused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX, my husband and I started a debt reduction program to regain control of our finances. Around XXXX XXXX, XXXX our XXXX XXXX credit card debt, in the amount of {$11000.00} was purchased by Portfolio Recovery Associates and placed with an outside collection office, representing themselves as an attorneys office and threatening legal action. This attorney was XXXX XXXX XXXX located in XXXX, Texas. The rep handling our account was XXXX XXXX. In XXXX XXXX, we were able to settle with this office for the reduced amount of {$4600.00}. We started to receive threatening calls and mail from Portfolio Recovery Associates in XXXX. We wrote to the credit bureaus disputing this collection and reports to our credit. We also attempted to speak with Portfolio Recovery Associates without luck. The " attorney '' who originally handled the collection has since filed for bankruptcy after some pretty shady practices and I ca n't find an active number for him. Portfolio Recovery Associates is attempting to collect the remaining balance of {$7400.00}, even though a settlement was reached and paid. We have no idea what to do at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I had a insurance check that I deposited in my TD Bank checking account and once it cleared I transferred the money to my TD Bank savings account. I was making purchases to replace items stolen from my home. As I was making the purchases I would transfer the money from my savings to my checking account. I made several transfers because I did n't want to keep the money in my checking account. Today I was checking my online statement and notice nine Excess Tax Fee 's @ {$9.00} a piece applied to my savings account. When I contacted TD Bank I was advised by the customer service rep. that the Excess Tax Fee was a Federal regulation and it 's nothing he can do. I explained to the gentleman that I had no knowledge of the fee and he reiterate what he just explain to me. What is so troubling about the whole thing is that when I reached the maximum number of transactions before the Excess Tax Fee was charged to my account, the online system never gave me a warning that I have exceeded the six transactions and a fee will be applied. Consumers should be notified that regulation is in place. I have never heard of this until today.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-22
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was unable to make a payment online like I was able to a month ago in XXXX. This month it would not allow me to do so and insisted I include late fees or I would not be able to make the payment. I feel as if I am being discriminated against by this company.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Wells Fargo allowed a 3rd party ( XXXX ) to withdraw funds from my savings account. Being a savings account this should have never happened. XXXX was supposed to withdraw funds through my Visa/Debit card, which is tied to our checking account. This has about XXXX in NSF check fee to my Savings account. Money withdrawn by Wells Fargo has caused another XXXX in NSF fees to my checking account. I believe Wells Fargo was intentionally using this situation to fraudently create NSF fees, by timing transfers from checking to savings, to time periods the knew would cause futher damage. A savings account should never be able to be accessed by a third party, it is not a checking account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-07
Company: Paypal Holdings, Inc
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
XX/XX/2020 i open paypal account for unemployment. Insurance. XXXX2020. Paypal locked my account and sent a email stating I was no longer allowed on paypal and any funds would be held 180 days per the agreement. After which my monies would be released via email notice. The time period has passed i still cant access my money so I ha e no means mid covid. I have all the emails. When i ate t to contact paypal igetrun around and computer generated replies rhat dont ha e a thing to do with my issue and thsy know this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-10
Company: Paypal Holdings, Inc
State: DC
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
I tried to make a {$15.00} purchase and a {$30.00} purchase from XXXX XXXX on Sunday XXXX XXXX. While I thought I was using my regular PayPal account linked to my bank account for the purchases, I was led through XXXX simple questions that looked like verification questions ( birthday and XXXX digits of social security number ) and presto, I received a loan without even knowing it!!! I am in the process of buying a home and had a near XXXX credit rating. I never wanted a loan for XXXX dollars of purchases, especially when I am in the process of applying for a home mortgage ( which takes weeks, not XXXX entries to verify identity ). My lender notified me on XXXX, XXXX XXXX that I had applied for a loan XXXX.i had never heard of the company and neither had he. After doing Internet research, I learned that PayPal did a hard credit check without me even realizing that it had happened. I called PayPalCredit and they gave me the classic excuses for why they ca n't do anything to help me. I immediately transferred {$45.00} from my regular PayPal account to pay off the balance of the PayPal Credit loan I never intended to have. I then closed the PayPal credit account. I then asked about the interest rate and learned that the rate was 19+ %. This is obviously a bait and switch that PayPal is using to trick people into paying 19 % interest in balances for purchases without even being aware that it happened. I need help removing this entry from my credit report because this deceptive company refused to help me after speaking with XXXX different people at the company in profressive levels of management.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: ALLY FINANCIAL INC.
State: DC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I would like to explain the problem. I purchased a vehicle through Ally Bank XXXX. The vehicle was stolen and my insurance and gap insurance paid the vehicle off. I called Ally Bank to make sure they had received the money, they stated yes and they had no account number of the vehicle. Then, almost a year, Ally Bank started calling. They said that I owe them a month car note {$650.00} and all of these late fees which was over a XXXX dollars. I asked them earlier about whether they had received the {$23000.00} owed on the vehicle, they said yes and that was it. I spoke with someone and stated I do n't understand why I still owe them. Now, they are calling non-stop. They have even went as far as calling my family members on their jobs. They work at the XXXX and they are not allowed to receive such calls. They ( Ally Bank XXXX are calling and asking them their names and if they know me. They have been harassing me and all family member for a number of weeks. I am not working and I ca n't pay them or anyone else. They start calling in the morning and they do n't stop until XXXX, everyday to include Sundays. I have never been harassed by anyone and I have always made sure that my bills have been paid. Ally Bank is calling cousins, friends, etc. and guessing that they know me. They are asking for me at the their jobs and they are just guessing names or just asking if they know the me. Please help me. They are the worst. I do n't know why they are calling all of these people and I only had my one older cousin as a contact. She has XXXX and they have been harassing her and it is n't fair to her or me. They are just calling everyone telling them that I owe them money and it is important that I contact them XXXX Ally Bank XXXX as soon as possible. It is n't anyone 's business about me. Ally Bank is the worst bank because they are stalkers and they call everyday using different numbers or unknown numbers so you ca n't call them back. The one number I tried calling back after they had called was some place other then Ally Bank. I need them to stop immediately, it is very hurtful.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-06
Company: National Credit Systems,Inc.
State: MI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Lived in a apartment sec8 XXXX Houseing commission moved me in I had mov out it went into abatement it was not liveable the sec 8 stop rent payments and moved me I dont owe them the government does that is who make my rent payments thank you. It was 6 years ago I am still on sec 8 now

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: World Omni Financial Corp.
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have asked for extensions on XXXX different occasions. The first one this year was in XXXX of this year, the second was in XXXX and the third was in XXXX. In XXXX, I asked for the extension, which was granted, I paid the extension fee and thought all was well. A few weeks later I checked my account and noticed I was still passed due. I called and they told me that the extension did n't go through because I did n't pay the fee fast enough. I went ahead and paid the rest of the payment. When I made the extension in XXXX, it was the same thing. I called and was told something went wrong and it did n't go through. I was told by one rep that I could get it in XXXX and since I had some money that was put to principle in XXXX, I would only owe {$33.00}. When I received the form for the extension, it still said {$310.00}. I called back and spoke with another rep that told me she would credit me both of the extension fees and do an extension for two months because the extensions did n't go through due to computer errors while they were upgrading and it was n't my fault. When I received the extension paperwork, it was for two months but it said I owed {$310.00} and I was n't supposed to pay anything. I paid the {$310.00} and the extension still apparently still did n't go through because the amounts due have not changed. I have asked in the past for them to check the notes and go back and listen to the phone conversations to confirm what I was told but it never happens.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-22
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
On yesterday, XXXX XXXX, I spoke to a supposedly representative of Ad Astra recovery services to address the debt reported on my credit report. I was asked to share my social security number which I did n't feel comfortable sharing. I asked for more information about the collection agency, which the person by the name of XXXX shared the location but she would not give me her last name. I made the mistake of sharing my social security number because the agency sounded legitimate and it still may be but I felt very uneasy after sharing that information. I told her that I will not make payment arrangements until I receive something in writing to verify the debt which she said they are able to do. She stated that I will receive a letter in the mail within 7-10days. I believe the debt may be valid but I 'm not sure about the agency or the person I spoke too. My main concern is that they now have my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
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:
PayPal closed my account for no reason and will not help me with getting it back up and going. I also contacted the local branch here, just like other customers who also encountered being limited, but to no avail. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for almost a month now but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX Thank you in advance for responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: Paypal Holdings, Inc
State: WA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
PayPal offers to processes payments with a " Pay without a PayPal account '' ( which has worked in the past ), but choosing it currently requires creating a PayPal account in order to continue. I started at XXXX ( though I doubt this is the only seller affected ) and clicked " Add to cart '', then the " Check out '' button annotated with " Pay without a PayPal account ''. The form then displayed collects payment and address info, but also contains a mandatory " Create your PayPal account '' section at the bottom.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
CONSUMER COMPLAINT RE : DITECH FINANCIALL LLC XXXX ( XXXX ) XXXX RE : PRINCIPAL PAYMENTS & DISCREPANCY ON PRINCIPAL BALANCE The XXXX issues of concern with DiTech Financial are : 1 ) Monthly principal payments of XXXX that are directed to principal payment only are not properly allocated. I have had to call DiTech customer service frequently to request monies to be reallocated to principal payment As a result of my frequent calling, I have been monitoring & printing my monthly on line statements for my record keeping. 
2 ) My on line XXXX 2016 statement shows a principal balance of {>= $1,000,000}, the following month 's on line statement shows a principal balance of {$68000.00} a difference of {$1000.00}. I contacted DiTech via phone and email regarding this discrepancy. They sent me a letter via e-mail indicating my account will be reviewed and a written response would be provided with the 30 days of receipt of my email of XXXX XXXX, 2016. Additionally on XXXX/XXXX/16 I faxed a copy of my XXXX 2016 on line statement to DiTech ; clearly noting the principal balance of {$67000.00} this according to my records is the accurate amount. 
Yesterday, on XXXX XXXX I called DiTech once again, spoke with a supervisor, named XXXX. I relayed my issues of concern again. I shared I have not received a written response nor a response from the XXXX email I sent. She said a written response was mailed out along with audit of my account. I told her I did not receive it. While on the phone with her she e- mailed the written response along with audit of my account. 
The result of their audit shows the principal balance remains as {$68000.00}, a figure I do not agree with. 
XXXX shared the following : mailed statements vs. on line statements do not have the same figures. This is due to the maintenance of my account and payments being reallocated to principal. 
This explanation is not acceptable nor does it make sense. I am very concerned about this company 's business practices. I do not trust how they are handling my monies. As a result of my experience with DiTech Financial, I went on line and found a website with over XXXX complaints regaarding this company which I have included for your review : Top XXXX Complaints and Reviews about Ditech ... 
XXXX I would greatly appreciate your assistance with the issues of concern I have mentioned. In addition to investigating this companies business practices and how they are managing funds. If further information is needed, please contact me on my cell phone. 
Thank you so very much

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Since XXXX 2015, I have been sending in " extra '' principal money on a monthly basis, requesting specifically that the checks be applied to principal. However, Green Tree Services does not directly do this. They put the money in " unknown '' accounts and when I contact them about applying the checks to principal, they always say it will take anywhere from 7 to 10 days to do this. Also, a person named " XXXX '' assured me that " she is watching my account ( for months now ) to ensure these checks go straight to principal payments. This is totally false, because as of yesterday, this problem is still going on. All I want is for Green Tree to properly apply my checks to principal as requested.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: Fay Servicing, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I again tried to make a payment on XXXX to Fay Servicing via XXXX at XXXX and again was not allowed to do so. Fay Servicing stated they had corrected this problem and that I could now begin to make payments even now while I am still on the Pandemic Forbearance. Making payments now will reduce the amount due at the end of the Pandemic Forbearance that was originally granted by the previous servicer prior to this account being transferred to Fay Servicing. Ref previous complaint XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: JPMORGAN CHASE & CO.
State: KS
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:
XXXX, XXXX is a corporation. It is an incorporated entity designed to limit the liability of its owners ( called shareholders ). As one of the owners, I am not personally liable for the debts of the corporation. 

XXXX, XXXX was issued a Chase ink Business Cash credit card by Chase ink with account number XXXX XXXX XXXX XXXX. Chase ink did not make me aware that I would be personally liable for XXXX, XXXX Chase ink Cash credit cards debt of {$36000.00} on XX/XX/XXXX at time of its online application website. 

Now, I am XXXX-years old, and have not able to work since my stage XXXX XXXX XXXX XXXX in XX/XX/XXXX. 
I was XXXX from XX/XX/XXXX through XX/XX/XXXX, went through XXXX to remove the XXXX. Thereafter, went through XXXX of 12 cycles, each started with 4-hours XXXX at XXXX XXXX and continued 48-hours XXXX at home from XXXX, XXXX through XXXX, XXXX. 

I had another XXXX and XXXX on XX/XX/XXXX. Dr. instructed me not doing laundry and hire housekeeper doing house cleaning for next 21-days. 

I have, XXXX XXXX, post-XXXX symptom of XXXX XXXX. I also get tired easily in need of lying down from time to time because of XXXX XXXX. In addition to my XXXX on my XXXX  and on my XXXX. 

On or about XX/XX/XXXX Chase ink replied to my dispute by mailing me last three billing statements of the above business credit card to me.

Company response to consumer: Closed with explanation