BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-01
Company: Paypal Holdings, Inc
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Our company has a business PayPal account. We received a payment from a client/customer via PayPal payment plaftorm online via credit card for $ XXXX. PayPal immediately provided full credit of the payment to our business account on the same day the payment was made and invoice was annotated on PayPal 's online system as, " Completed. '' Again, the client has been provided with the service and was invoiced for that service. Approximately 4-days later, PayPal 's Risk Operations Department initiated a limit to our account for the remaining funds available in our business - $ XXXX. A telephone call was initiated with PayPal 's Resolution Team to discuss why a limit was put on our account. We complied with PayPal 's request for supporting documentation and online submission of explanations of specific transaction conducted on our business account - i.e. incoming payments between $ XXXX, along with providing documentary evidentiary support for the {$10000.00} credit card payment received, fully credited and processed by PayPal on the same day - without any limitations, holds and/or restrictions to access to those funds. After being provided with two separate email notifications by PayPal - detailing the 24-48hr turnaround response for resolution of the matter ; we were notified during a telephone call by XXXX of the Risk Operations Department that a " ... 180-day hold would be placed on $ XXXX, on our account for risk liability purposes to protect PayPal. '' Based on legal review of PayPal 's Acceptable Use Policy XXXX we were not told or lead to believe that PayPal 's de facto decision to withhold funds legally earned, paid, credited and utilized, were in violation of PayPal 's Acceptable Use Policy, as contained herein this complaint. Specifically, we were informed verbally and via email that the funds being withheld for 180-days are for the specific justification of maintaining PayPal 's Risk Liability at a level required by PayPal. PayPal subsequently - on the same day, before the close of the business banking day, after we communicating our intent of filing an official complaint with the XXXX Treasury - Office of Comptroller of Currency ; reactivated our business debit XXXX, and provided us access XXXX - which needed to be transferred from a XXXX currency accounts with PayPal XXXX. XXXX accounts have been placed at zero balances, because we were in need of payment of online subscription payments for online access to a private service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: Paypal Holdings, Inc
State: KY
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
On XXXX there was a fraudulent online application submitted using my personal information with PayPal Credit. I did not request this line of credit. I was alerted by XXXX and responded that I did not initiate this request for credit. XXXX contacted PayPal and confirmed that an account had not been established. I have requested that PayPal remove this application. I am submitting this affidavit in lieu of filing a police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-28
Company: CL Holdings LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I vrecently checked my credit report and discovered that there was an address ( XXXX XXXX XXXX, XXXX, Michigan XXXX ) and, theres a cellphone in my name associated with that address. I have not supplied proof under the doctrine of estoppel by silence. XXXX v. XXXX ( no ) XXXX XXXX XXXX. XXXX. I presume that no proof of the alleged debt nor any such debt in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XX/XX/2017, I received an alert via my XXXX account that a collection account from SW CREDIT SYSTEMS L.P. had been added to my credit report. The account referred to a XXXX account. This collection account was added to my credit report without any prior contact from SW Credit Systems. It is not mine -- I have a current and active account with XXXX. 

On XX/XX/2017, I sent a debt validation letter by certified mail to SW Credit Systems requesting them to validate this debt. They have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I processed a separate complaint on XX/XX/XXXX and have not received the response i 've been looking for. This southwest credit sys company is obviously in a separate world and feels like the rules do n't apply. The government should shut companies like this down. I 've uploaded some documents relating to this. Thankyou

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My previous loan was sold to GMAC who had approved a loan modification before the loan was sold to Ocwen in which I had to start the loan modification process over and it took three years for Ocwen to finally approve a loan modfication however the loan modifcation that was approved was a payment that was higher than my original loan payment, while I was in the process of appealing the loan modfication my home was sold in a trustee sale on XXXX XXXX, 2014. 
I had provided everything Ocwen requested and they would continually deny me and I would have to reapply all the while they kept postponing the trustee sale until the company finally sold the home. I believe they did not want to provide a loan modification because they felt they could get more for my home if they sold it in a trustee sale. The outline of events will clearly prove this. 

For the past six months, my complaint has been with an Ocwen escalation employee who has refused to answer my emails or phone calls in providing me with a status update on what is a simple case as the home was illegally sold in a trustee sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX I received an email from Citi regarding the credit line on my Shop Your Way XXXX had been decreased. The line was decreased from {$20000.00} to {$2000.00}. The letter stated that since I had not used the card in 23 months the decrease was occurring. I did not receive any warning communication that if I didn't use the card the line would be decreased. 
I contacted Shop Your Way MC customer service the morning of XX/XX/XXXX and spoke with XXXX in the Credit Department. She attempted to increase my line back to the original amount of {$20000.00} but the system would only increase the line to {$3000.00}. She said that Citi did not have to notify and they reserved the right to decrease my line at anytime according to my XXXX XXXX. I explained that I do not recall from my original XXXX XXXX signed in XXXX that this was part of the terms. I have requested a copy of my original XXXX to be sent to me. 
I paid off the card several years ago and kept it clear of charges so that I could have the credit available in the event of an emergency. The ability has now been taken away from me. Also, my line being decreased by 90 % will be detrimental to my credit score.

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 2017-02-10
Company: Google Compare Credit Cards Inc.
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I tried to purchase an XXXX through Google. It took a day for Google to accept that my credit card was valid. But, when I tried to read the book using Google XXXX, a huge and eventually, insoluble, number of obstacles were put in my way regarding the compatibility of my XXXX devices with Google 's preferred XXXX platforms. I spent over 100 minutes with Google 's call center employees trying to resolve the issue. I sought advice on XXXX which also did not solve the issue. I want the money refunded to my debit card and I want to be paid for the frustration caused by Google 's deliberate ogopolisitc practices .I also want Google to provide me the book in a manner that I can easily access.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: Experian Information Solutions Inc.
State: MN
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 Experian, XXXX, XXXX XXXX has violated my rights. by reporting, XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXXdischarged. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 15 U.S.C 1681 section 602 A. States i have a right to privacy. 

15 U.S.C1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a accountant with out 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 2022-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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, Transunion, XXXX XXXX has violated my rights. by reporting, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Bankruptcy chapter XXXX. AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States i have a right to privacy. 

15 U.S.C1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a accountant with out 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 2016-08-11
Company: Netspend Corporation
State: NY
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
XXXX was loaded into my netspend Card to purchase a airline ticket the transaction was cancelled by the agent the netspend company is withholding my. Money for almost a week and a half asking for all these documents which is impossible to get I set them evidence of the transaction and they still refused

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: SYNCHRONY FINANCIAL
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I would like to lodge a complaint against Synchrony bank. They are reporting a wrong and fraudulent information to credit bureau agencies. Since, XXXX XXXX, I have been in contact with this bank who promised that this information will be deleted. However, when I received my credit information, they put a negative {$300.00} from XXXX account to my credit report. I notified them that my car was broken into and all of my personal and SS number was stolen back in XXXX. I kept sending correspondence to this bank that this account was charged fraudulently and it should be removed. To to their omission, my refinancing loan is not going forward and I am paying a higher interest until this issue is resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I opened a PayPal digital credit card account. All was fine until I received a notice that my account had been closed. I made several account payments which were documented in the system. 

I called my bank as instructed by a PayPal representative because they were stating that it was my bank and not their system. I did and my bank conducted a series of test and came to the conclusion that it was definitely PayPals system. I spoke to several PayPal representatives and explained the issue. My XX/XX/XXXX account checking account could not be attached to PayPals wallet. 

Without notice from PayPal my account was closed! There reasoning for closing I never received any prior notice. Also, I noticed I was receiving notices that payments were received from PayPal. They are claiming they never sent those notices!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've disputed this account every way I know how, and Jefferson Capital has never sent me anything! I have no idea who they are or why they are reporting to the credit bureaus! I have written them several letters demanding that they declare who they are and why they are reporting information about me, and they have not complied! This is a violation of the FCRA! Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: Paypal Holdings, Inc
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I have a Paypal account some money on it, about XXXX. I tried to spend the money on a XXXX boost, and the Paypal system would n't complete the transaction without a credit card. Why would I have a Paypal account if I could get a credit card? These people have my money, and have refused to complete a simple transaction to a reputable company. I believe this is an attempt to manipulate my account to mine for new data.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
On XX/XX/22 I received email alert unauthorized credit inquiry from bank XXXX XXXX was made to my consumer file on Transunion. That following Monday I contacted Transunion fraud dept requested remove any fraud inquiry and block access to my file from public. Transunion rep tells me they have no control wouldn't be able to assist me to contact bank XXXX XXXX directly. I spent over 3 hours on phone with bank XXXX XXXX after many transfers to different depts bank XXXX XXXX was unable to provide how they got access to my consumer file on Transunion. I called Transunion back asked to speak to manager after explaining my personal info is exposed in data breach and other credit bureaus blocked access removed all fraud inquiries I requested Transunion to do same. Transunion manager tells me they're unable to fulfill my request and disconnects call

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 2022-06-05
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have contacted company directly to try resolve matter and their attorneys. I offered to pay an agreement or pay what the property is worth after they do an interior appraisal. I can get financing from other sources. I have family members willing to assist me. Although the bank knew and knows that I am the deed holder. They have not afforded me a post Covid conference, amended me to foreclosure or any other required provisions in banking law for foreclosures. I am not sure if this loan is a FHA Loan. I Have not been able to ascertain any proof of debt from lender or their attorneys.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
This company is so unwilling to work with the middle class person, whom works XXXX part time job to support XXXX young children. The company did not even offer any type of assistance programs, or even let me use the credit card security benefit plan since I fall well within their guidelines to have the debt removed. The company did not even send out letters, or offer programs to get back on track.

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 2016-11-02
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card
Issue: Credit determination

Complaint:
Signed up for a Lowe 's Consumer Credit Card, managed by Synchrony Bank. Signing up for " paperless billing '' apparently means " do not send any statements/alerts whatsoever ''. Eventually XXXX I forgot about a balance, and had a late fee plus interest. Also XXXX I had to " opt in '' to receive email statements/alerts. I paid the balance in full. Receive an alert a couple weeks later that there is still an outstanding balance on my account. I see Synchrony Bank actually charged me interest on the balance I paid in full. I immediately called and spoke with XXXX XXXX rep ID # : XXXX ) ; she waived the interest, removed the late fee, and canceled my account. I would like an official agency to investigate their business practices, because this seems like a scam ; " let 's see how many people we can straight up steal money from! If they complain, give them their money back no-questions-asked, but if they just pay, keep charging them! ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I contacted transunion about serval inquiries that are fraudulent I explained to them the law under the 15 USC 1681b Permissible Purpose Of Consumer Report and also sent a dispute letter in alone with a police report and clear picture of my ID and was told by the company yes we understand you know the law sir then hung up in my face

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 2017-02-20
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I was never given IBR option in the beginning i was just put into forbarence and then i tried the ibr plan and i have moved and didnt get information regarding reapplying which caused me to lapse in payments and then i went from XXXX to navient and thats when scams were going around and i wasnt sure navient was real and was scared to give info. I would like my credit fixed regarding the bad remarks

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

Complaint:
On XXXX XXXX, I made a purchase at XXXX online. I had received an email from my paypal smart connect credit account that if I made a purchase between XXXX and XXXX, I would receive a {$10.00} credit. So I got a total of {$72.00} purchase and attempted to check out as a guest through paypal. My paypal credit card XXXX Smart connect XXXX did n't show up for finalizing the transaction. I went back and logged into my XXXX account and paypal came up so I checked out, thinking it was my paypal credit account XXXX smart connect XXXX. I do n't remember anything that stuck in my mind to let me know I was signing up for a new credit line. I have had credit issues in the past, so the credit cards I have now are the only ones I want. I never sign up for new cards. I want to purchase a new house in the future and do n't want to compromise my credit score. I emailed back and forth with paypal after I received the paper credit statement of the purchase and which showed no balance. I know I have a balance on my smart connect, so I could n't figure this statement out. I also do n't receive paper credit card statements. Emailing did n't help, just was more confusing as they told me I could only have XXXX credit card linked to paypal and that I could like the paypal credit after disconnecting smart connect. What? I called paypal to see if I could move the paypal credit balance to my paypal smart connect. the person I spoke to, XXXX, could n't even find this purchase anywhere XXXX and I think she said that paypal could n't transfer the balance anyway between the XXXX credit lines XXXX, so she forwarded me to XXXX at Paypal credit. He said I could pay off the balance and close the paypal credit account. I asked if this affects my credit score and he said that they did do a credit check before they issued the paypal credit. I was so upset after speaking with him and venting to him and asking if this is what the paypal scam on the news is about. Then I hung up. Can I be added to the lawsuit that cfpb has filed against paypal?

Company response to consumer: Closed with explanation