BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-06
Company: Paypal Holdings, Inc
State: FL
Product: Prepaid card
Sub-product: Mobile wallet
Issue: Managing, opening, or closing account

Complaint:
On XXXX/XXXX/2016 I received an email stating my PayPal account had been limited, I immediately contacted PayPal to find out why. I was informed it was because I had failed to update the tracking for my shipments but if I would log in and update tracking the limitation would be lifted which I immediately complied. I waited 24 hours only to find out my account was still limited so I called PayPal again asking for clarification. I was informed my last XXXX shipments needed to show delivered before the limitation would be lifted again I complied and agreed to wait for delivery confirmation. On Tuesday XXXX/XXXX/2016 after delivery confirmation was provided I was informed I would have to wait an additional 72 hours for the limit to be removed, I requested to speak with a supervisor regarding all the hassle and misinformation I was being provided. I was informed by the CSR that my account was being limited due to my name being associated with a negative account. Once the supervisor got on the phone he XXXX informed me he would look into the account and get back with me after a 20 min hold I was told by XXXX that the hold had went from 72 hours to 180 days with no reason given other than it is PayPal policy that if they feel an account is high risk they can freeze account for up to 180 days. I was told I had 3 options either wait the 180 days and do not cause PayPal any issues and they would contact me and let me know how I can then get my money, option 2 wait 45 days call back into PayPal and request an appeal ( which I later noticed once logging into the site that I could not appeal ), option 3 contact my customers and ask if they would ship back at their expense or at my expense they items they had purchased and were completely satisfied with. I informed XXXX I would be taking legal action against PayPal since other than my name being associated with an account that is negative they have no legal rights to hold my funds. The negative account is not my personal account my name is listed as a backup contact and an authorized user in case the primary owner is not available. The phone call ended and I have begun steps to take legal action against PayPal. I was hoping I could get your assistance with this at a time where money is tight and trying to support a family on a single income having XXXX frozen due to no fault of your own can cause lots of issues. 




Thanks, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-22
Company: Paypal Holdings, Inc
State: WI
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
sooooooo happy payal is finally going to get what they deserve. Basically they need more checks and balances. I thouht i was paying for a product with my own card but somehow was setup as a paypal account. I had to close it as they kept charging late fees and not honoring at all the postage date. I just made my last payment last week and I could n't be more thrilled to be done with them. Please please please becareful if you are purchasing something that site is linked to pay pal, they will somehow get you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-25
Company: Law Office of Michael J. Scott, PC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Scott & Associates sent me a letter dated XX/XX/2021 stating they were a debt collector for XXXX. I sent them a cease and desist letter XX/XX/2021 certified mail XXXX XXXX XXXX XXXX XXXX which was delivered to them on XX/XX/2021. I received an inappropriate response from them dated XX/XX/2021 stating that they were verifying this account at my request. On XX/XX/2021 I received a Debt Citation that they filed on XX/XX/2021 in the JP Court of XXXX XXXX TX. They are in violation of the Fair Debt Collection Practices Act 805 ( ceasing communication ). They never advised me that they would cease collections, that that might take remedies or that they were taking remedies. I am sending them a letter advising that if they don't dismiss the suit, I will counter sue them for their violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: Skyline Financial Corp.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We 've been in process to buy this condo in XXXX since XX/XX/XXXX, we have so many delay with the loan and approval from my loan officer ( XXXX XXXX ), we got XXXX counter offers because the due date has passed, the price went up from $ XXXX to {$410.00} as final price. 
Since last year we already told XXXX that we do not want any points on the loan since we will refi anyway. 
On XX/XX/XXXX he sent me a GFE the closing cost total is $ XXXX, and on XX/XX/XXXX he sent me another email the total closing cost revised to $ XXXX due to 1.625 % points and we have to sign the documents by XXXX since they have to close everything on XX/XX/XXXX otherwise we will lose out down payment of $ XXXX. 
His argument is due to my credit score only XXXX, I mention to him, my credit score did n't change for the last 2 days and he said he did n't lock the rate and it charge points after he lock it. 
I feel like I 've been set up since they charge me points for $ XXXX like 2 days before the closing day. 
My question is : is this even legal? 
I know the rule that they ca n't increase from GFE to HUD more than 10 % but this is from GFE to a revised GFE, is this legal? If it 's not, how do I get the points fee back? 
Thank you in advance for your help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-05
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a medical debt from my new born child from XXXX XXXX XXXX ( XXXX ) when she was born on XXXX XXXX 2015. I was covered under my father 's health coverage but my daughter was not when she arrived. I applied for her health coverage under the affordable care act ( ACA ) under the state of New Jersey on XXXX XXXX of 2015 and received a confirmation number but as of this day I still do n't have medical coverage for my daughter. 
I contacted XXXX XXXX who is my daughter 's primary doctor of the fact and could they put me on a payment plan until coverage begins, they verbally said they could and was also informed that her initial debt from the hospital would get paid when her coverage began. Contrary to what I was told by their office staff, it went to IC System collections. Regarding getting coverage in my state, I received a confirmation number when initially applying and have been following up regularly and had to submit pay statements from my part time employment for the process to go further. Like I said in the aforementioned, my daughter is still not covered medically and I just received a rejection letter regarding my daughters application due to the person processing her application did n't see an address for my place of employment. 
I think this wait for her coverage is way beyond what was envisioned when the XXXX was instituted. I just wanted to bring awareness to other federal and state agencies and know of the dilemma I am encountering and the inefficient processing of my over 6 months old application. I am hoping this complaint, can also inform future care givers of the problems faced with applying for medical coverage within each state and navigating the bureaucratic maze. I am not ruling out seeking the counsel of a lawyer to address the enrollment delay and collection tactics. I question the legality of collection tactics while XXXX applications are still being processed. Thanks for looking into my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: Paypal Holdings, Inc
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I made a purchase in XXXX 2015 from XXXX paying with Pay Pal who has my credit card number. After a period of time, I 'm not sure how long, I received a call from Pay pal credit saying I owed them money. I contacted Pay Pal and they said I did n't owe anything. 
I continued to receive calls from Pay Pal credit so I just ignored them since Pay Pal said I owed nothing. This is XX/XX/XXXX and I have been receiving calls from Pay Pal Credit daily. l returned their call and spoke with a man who said I owed them from a purchase in XX/XX/XXXX. I asked him what the purchase was and why they did n't get the money from my credit card which they have on file. He said they do n't have my credit card. He said that he was not with Pay Pal but with Pay Pal Credit and that I had agreed for Pay Pal to bill them for my purchase. I told him I never made any agreement with Pay Pal except for them to bill my credit card which they have on file for my purchases. He said I agreed to use Pay Pal Credit and had given them my social security number and phone number. I told him I never gave consent for any form of payment to pay pal other than my credit card. 
He said I owe Pay Pal credit {$270.00} for the initial purchase plus {$36.00} interest plus additional charges for unspecified fees. 
I do not object to paying Pay Pal the {$270.00} due for the purchase as I agreed using the credit card they have on file. I do object to paying any interest or other late fees occurring due to their sending my bill to another credit company without my knowledge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-07
Company: CNG FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Was unable to make payments on a loan I took out with Check-N-Go, due to illness. The account was sent to XXXX and they contacted me regarding the debt. I was able to set up good faith payments of {$50.00} per month while I attempted to come up with the money to pay off the account. I was late on my XXXX payment and offered to pay it on XXXX/XXXX/XXXX. The person who had worked with me previously advised that her manager was taking over the account. His name is XXXX XXXX - XXXX x XXXX. I explained my situation and requested we continue the {$50.00} per month payments until I could catch up with my other bills. I advised that I would need until the end of the year. XXXX XXXX was extremely rude, accused me of not wanting to pay my debts, made false statements regarding the value of my home, and accused me of declaring bankruptcy in XXXX, none of which is true. He has threatened to have me sued. I requested multiple times to have him work with me but he declined. His tactics were extremely antagonizing, derogatory, and unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: Paypal Holdings, Inc
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
EBay sale return must be processed through PayPal. Insufficient funds in my PayPal account. Request to PayPal to transfer from checking account at XXXX on XXXX/XXXX/16 for {$150.00}. PayPal requires XXXX business days ( M-F, XXXX-XXXX ) to post to my account. The ACH does not function on Sat & Sun. 
XXXX can not send funds to PayPal because there is no 'routing number ' etc. But, XXXX uses PayPal to process its mobile app. 
I want this lie about the federal financial system not processing funds on 'non-business ' days to stop. It is a lie, they are using a float time for profit at my expense. If I can buy a burrito at XXXX XXXX and see it on my checking account by desert PayPal can do that as well. 
PayPal must provide banks and customers with a 'send to/transfer to ' routing number or they should be put out of business, No reason my credit card must be processed through PayPal at eBay except for gouging the public. 
No way to resolve problems by email with eBay or PayPal. Must go online to get telephone number and code, the machine answers and refers me back to the website where there is no way to send problems unlike other retail firms. Round about we go, losing it with XXXX in XXXX as I go.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: I.C. System, Inc.
State: OH
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:
We contacted IC Systems and we mentioned a credit check that was done on XXXX/XXXX/16 through XXXX. They could not find check in the system. We spoke to a manager, they mentioned they would not remove credit check. They said it was not their responsibility.

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 2015-07-15
Company: ZWICKER & ASSOCIATES
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This company yes keep calling already told then not to call animore but they yes call more than twice a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-26
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to report on my credit report after I  sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to!

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

THIS IS NOT MY DEBT!

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Throughout the years with all my other loans I have always been able to get Forbearance, Deferment, or Income-Based Repayment ( IBR ) but with the private loans I have to pay and every year the payment goes up ... ... ..I have no other options with the private loans at all ... .I 'm being told private loans have to be paid back and that there are no other options and that there are no loan forgiveness

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The XXXX  didn't do anything and now I'm coming to you.. Equifax is refusing to handle dispute requests and has been since XX/XX/XXXX. They are failing to due their job when they receive dispute requests I have contacted Equifax on several occassions by mail and even by fax on unauthorized credit inquires and I have even sent letters by certified mail and directly to the attention of the CEO of the company and still no assistant.. Equifax is not even responding back to any disputes and its not just me.. Several people are dealing with these same issues and as consumers it is not right. The CFPB need to hold them accountable or class action law suits should be filed immediately. 

I want the following handled immediately. Unauthorized XXXX- inquiry XX/XX/XXXX XXXX- Inquiry- XX/XX/XXXX XXXX- XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: EQUIFAX, INC.
State: VA
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: Their investigation did not fix an error on your report

Complaint:
This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: TRINITY HOPE ASSOCIATES
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I created a medical bill late XX/XX/XXXX at XXXX. I paid them directly on XX/XX/XXXX. I began receiving harassing phone calls and letters from Trinity Hope Associates in XX/XX/XXXX to which I responded that it was already paid to the physician, but they refused to believe me. The Physician sent them records to prove this. Then things were silent, but now in XX/XX/XXXX I started receiving calls and letters again. I called them back and yet again they were quite rude and demanding payment. It took me a while to connect the details of this ( as they said it was from 3 years ago ). But I told them I am sure it was paid. They refused to give me the proper name and contact information of the physician group. Representative XXXX said " look it up online yourself ''. She also said I was reported to the credit agencies and I should " look that up yourself ''. She also threatened to send me to another collection group and report me again. The letter states I would hear from an attorney. Without the proper information this took quite some time, as my personal documents from XX/XX/XXXX have been destroyed. Nonetheless I did get to the right medical practice and they again assured me that this bill had been paid directly to them in XX/XX/XXXX. They assured me that they already told the collection agency that the first go-around of this, but they would send them the information again. They also said they would inform the credit agency to undo my negative credit reporting. I called back to the collection agency to let them know and they insinuated I was lying, demanded again for payment, and she was quite rude again. I informed them I was going to report them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: Credit Central Holdings, LLC
State: GA
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:
I got a check in the mail so I cashed it now I 'm being harassed by credit Central saying I owe them I did n't apply for a loan with them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: Keith D. Weiner & Associates Co., L.P.A.
State: CA
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
keith d. weiner and assoc out of XXXX ohio, representative XXXX called to inform me about making a payment on my balance of XXXX dollars that has been payed down in the last 2 month from XXXX dollars. first he called my work and was never given permission to do so, after talking to XXXX and explaining my situation and why I was not able to make a payment until XXXX XXXX he later said if I did not pay today I would be sued by his law firm. out of fear for being sued I filed a complaint with the ATTORNEY GENERAL AND THE B.A.R OF OHIO

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: CREDIT ACCEPTANCE CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Credit acceptance refuses to remove the inaccurate account from my credit that they are reporting. This account has been paid and resolved. The remarks reporting are erroneous and devastating to my credit worthiness.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: Fedloan Help
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I used the " company '' Fedloan Help to transfer my student loans to a lower payment plan. Without receiving written or verbal consent from myself they removed {$320.00} from my banking account using a similar title to that of my student loan service at the time. As a result, they were able to remove the said amount four times. Upon noticing that this money was not going towards my current student loan and attempting to contact the company serval time, I had my bank stop payment. They used an alternate title to remove the money to which I needed to then stop the payment again. They then, attempted to contact me multiple times from a blocked number to address the money being stopped. It was claimed that the money should be going towards the student loan, but to the new company. Once my loan was transferred to the new company, it was stated that the money was not placed to the new account. In fact, my current principal balance when transferred went up by a total of XXXX. On XXXX XXXX, 2016 my student loan was a total of XXXX and when I received new paper work from my current loan company it is now XXXX. At this point in time, this company has taken a total of XXXX. 

The following is the contact information for the company : FEDLOAN HELP XXXX XXXX XXXX XXXX, XXXX . XXXX XXXX XXXX, CA XXXX Toll-Free : ( XXXX ) XXXX XXXX : ( XXXX ) XXXX Email : XXXXXXXXXXXX Thank you for you time, in advance. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief