BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-17
Company: Paypal Holdings, Inc
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
It first started off when my XXXX was compromised and had to set-up a new password with XXXX-step authentication. However, during the time my XXXX was compromised there were multiple changed to my accounts and learned my lesson for not having most of my passwords the same. I was able to take care most of the issues, but the biggest one was from PayPal Credit/Bill Me Later. Someone purchased something on my PayPal credit card for {$1900.00} to a company called XXXX in XXXX of 2015. Following suit I disputed the transaction, but it was soon to be denied. I then tried again, but once again was closed. I contacted them why, but they kept on telling me that I did not win the case. At this point I really just need a refund as my credit card does n't even have a regular balance for {$2000.00}. I was told there is nothing I can do except contact the merchant for a refund on this issue. I went ahead and explained this issue to the company, XXXX, and they denied me also because their product they sell is non-refundable. I kept going back and forth with XXXX through email because their phone is just automated and PayPal through phone. Nothing has gotten through to them and this has dragged out to XXXX months now. I never felt this vulnerable before and terrible customer service from managers on both sides saying things like " Here is the short version, you purchased an online product knowing that it was unrefundable. Please know that no refund will be given and no further communications with us regarding this is needed as the answer will be the same. '' I was hurt to hear this and reading it seemed very hostile and saying that I authorized this purchased when I did not. Please help me if possible. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: I.C. System, Inc.
State: UT
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I called to settle a debt with IC systems and they asked if I was related to a person that is n't me. I found out about this debt because it is a negative reflection on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: GOLD KEY CREDIT, INC.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Gold Key Credit , Inc., filed on my XXXX, XXXX and XXXX reports I owed them a debt. I sent several written notifications to verify and validate the allege debt. Gold Key Credit , Inc., has refused to verify or validate the date. I requested a copy of the contract signed by me that obligated me to pay Gold Key Credit , Inc., it has also refused to send me a copy of the allege contract showing my signature. 

Also, this allege account has someone else 's address. It was placed on my XXXX, XXXX and XXXX 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 2016-11-16
Company: Paypal Holdings, Inc
State: PA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I have an account with Paypal Credit which is based in XXXX MD. I made XXXX payment to paypal credit on XXXX XXXX, 2016 in the amount of {$120.00}, which showed up on my bank statement on XXXX XXXX, 2016. Also, what showed up on my bank account was an unauthorized internet payment of {$110.00}. I did not approve of that payment I did not make that payment. I called the company and they said they have to investigate the charge and they do not know how long it will take. In the meantime, because of this transaction, it has overdrawn my checking account, in which I was charged an overdraft fee of {$72.00} and I will be charged each day it is overdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11
Company: Arnold Scott Harris, P.C.
State: NM
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
Arnold Scott Harris, the collection company - that poses as a law firm -for the XXXX of XXXX XXXX of finance ( parking and red light camera violations ) is a highly disreputable company that we have had the unfortunate opportunity to interact with on numerous occassions. They fraudulently over-collected over {$320.00} in the past 5 years. Since moving out of XXXX in early XXXX, they have been trying to collect on an additional {$450.00} of disputed, value-tripled tickets. Their newest tactic, after threats of legal action and wage garnishment, is to call my phone at XXXX in the morning on a Saturday. They know we have relocated to New Mexico, as they have sent written correspondence to our new residence, so there is no excuse for not being aware of the difference in time zones, particularly on a Saturday morning.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: I.C. System, Inc.
State: VT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a storage acount and I called to make arrangements to close the account. There was to be an auction of my stuff and then a final bill sent to me. However I did not receive a final bill, instead I received a bill from a collection agency asking for the money in 30 days. In addition to the amount I owed they wanted {$170.00} collection fee. Talked to the storage company and we settled on paying only the orginal amount. Now it 's paid in full. However I go to check my credit score and now they reported it AFTER its been paid and the amount they reported is the amount they tried to extort from me. Now my score went down.

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 2023-02-06
Company: PDQ Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My medical insurance handled there portion and left my account with a XXXX balance ... .my insurance was changed and then this collection company appeared on some charges I was never made aware of after the insurance took care of there responsibility.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: Stellar Recovery, Inc.
State: GA
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:
STELLAR RECOVERY/XXXX has consistently troubled me over a debt of reported {$860.00} that I do not owe or have any prior knowledge of, as I 've never had any contract communications account with XXXX before. Their deliberate infusion of this account on my credit profile is impeding on my ability to currently obtain any credit. 

STELLAR RECOVERY must delete erroneous information from my credit report with deliberate speed. 

Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Subject : My lender ( Flagstar Bank, MI ) refused to terminate my Private Mortgage Insurance ( PMI ) after I meet all conditions. 
I sent letters, e-mailed and called the Flagstar bank requesting for my PMI waiver as early as XXXX, XXXX. But my request has been rejected because I saw {$160.00} of PMI was still charged on XXXX XXXX, XXXX. I meet all conditions : XXXX payments have been made since the origination date of the mortgage. 
No monthly payments were more than 30 days delinquent in the last 12 months. 
No monthly payments were more than 60 days delinquent in the last 24 months. 
There is no late charge My Loan to Value ( LTV ), calculated by dividing the current principal balance ( {$290000.00} ) by the lesser of the original appraisal amount ( $ XXXX ) or the purchase price ( $ XXXX ), is 65 % now, far less than required 78 % or less. 
Hence, based on The Homeowners Protection Act of XXXX ( the " PMI Cancellation Act '' ), the lender must terminate my PMI automatically on the date when my loan balance reaches 78 % or less of the original value of my home. But they refused to do so, let me know if you can help and the quote. 
Thanks very much for your time, XXXX XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: FIRST HORIZON BANK
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
XXXX claimed that I gave them permission to take to automatic take money out of my First, TN account forelectric service to my home at XXXX XXXX XXXX I called them and asked them to bill me directly. I paid my account for XXXX and XXXX in person before the due date, however they continued to debit my account leaving me with overdraft charges. I paid the last bill XX/XX/XXXX and again they took the money from my account after I called them earlier in the month and told them not to debit my account. I checked with them and went to the bank today and XXXX continues to say that I gave them permission to debit my account which is false. My account is now overdrawn. The person at XXXX continues to be overdrawn. I asked the person on the telephone how long this have been going on an she said since XX/XX/XXXX. 
XXXX XXXX TN. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXXFIRST Tenn Bank XXXX, TN

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: EOS Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Collection company called EOS CCA called my phone number and required me to call them back. I was not the person they wanted to talk to. Under the law, if I called them back and the debt was mine, it would constitute my initiating contact and the statute of limitations would begin all over again. Their number is XXXX. This practice should be outlawed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19
Company: CITY NATIONAL BANK
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am filing a complaint about City National Bank. I currently have a mortgage loan with City National Bank. They have been reporting an incorrect loan balance which shows I owe more than I ever even borrowed from them on mine and my husband 's credit report for the last 8 months. It is causing my credit score to plummet and it 's hurting my opportunity to refinance my loan. I believe City National Bank wants me to refinance this loan so they can get it out of their bank because the interest rate is so low. They constantly call and email me to find out when I am going to refinance my home. Then when my new potential lender goes to pull credit City National Bank repeatedly puts the wrong balance on my report. I have asked them to correct this back in XX/XX/XXXX which they did one time and said it was glitch in their system. The amount was corrected in XX/XX/2016 and my score improved so I could continue with my refinance. Then 2 months later the balance is incorrect again. I email my contact at the bank to correct it and I received no response. I am attaching the letter for the first time they corrected it.

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 2022-05-26
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:
n accordance with the Fair Credit Reporting act XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any 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 non-monetary relief
Consumer complaint received 2016-07-21
Company: BANK OF THE WEST
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
Good morning. This is the 5th time I have written. No solution is in site. Bank of the West seems to talk out of both sides of their mouth. They tell " half '' the story when responding and believe that it will resolve the complaint against them and their wrongdoings. 

The bank ca n't have it both ways -- ignore the relevant facts and only point to the facts they feel should be looked at and support their way of thinking. 

Please let me explain -- One -- BOW refused to renew my 10 year loan based on a credit score that was below their threshold for renewal -- true. But again, that is a " half truth. '' They are the ones that caused the lates on my credit report that reduced the score. In other words, they unilaterally created / lowered my credit score for which they ultimately used against me to not renew. How can that be right / legal? 

Two -- For almost a year and a half, I have noted this problem as a note to my monthly payment. ( see attachment herein ) Every month, without word, Bank of the West cashed this check. They claim that there is a paragraph in our note saying they can ignore any written language on a note - true. But again, that is a " half truth. '' There is language, but it is not legal language nor is it enforceable language. 

If they do n't agree, they should n't cash the check. But they have, since the beginning of last year. This is not an isolated incident, but an ongoing habit of theirs. 

There is no known law that says they can proceed as they have. It is just " bully '' language by the lender. 

Bank of the West wants it both ways. That is not right. Please help me to hold them accountable to what is right and the law. Thank you.

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 2020-08-18
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I have an account with PayPal and PayPal credit. I get my statements emailed to me each month, and pay the " balance needed to avoid fees ''. I recently received a statement with a late fee of {$39.00}. I pay directly from my bank, XXXX to PayPal. XXXX shows that it takes two days to process. I went online to check my PayPal account, and searched my transactions going back to the beginning of the year. There are no late fees posted on line. I called PayPal and reviewed my statements and PayPal has been posting my transactions a day after the " due by date ''. They blame the bank. 

The reason for my complaint is that I check my transactions online. They do not post late fees online, only on the physical paper statement which I don't check. I know this is my fault. I reviewed the account statements with the customer service representative and it turns out four times this year my payment was posted a day late and I was charged a {$39.00} late fee on four separate occasions. None of these late fees appear on my PayPal activity. Had they posted the late fees online, I would surely have seen this. 

While I take full responsibility for my actions and not checking my paper statement each month, the fact that they knowingly do not post these fees on my online statement activity leads me to believe that this could be a large problem for many other people. 

I feel that this is a fraudulent attempt by PayPal to charge fees that their users who rely predominantly on " on-line '' statements will not see.

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 2017-04-28
Company: Diversified Consultants, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I 'm filing a complaint because I have sent Diversified Consulta nts two  certified letters so they can validate a debt they claim I owe. The first letter was sent out on  XXXX   XXXX  which they received on  XXXX   XXXX ,   XXXX   at  XXXX . I never got a response. On  XXXX   XXXX ,   XXXX  , I sent another certified letter which they also received on  XXXX   XXXX ,   XXXX    XXXX .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-17
Company: OLD NATIONAL BANCORP
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
My husband and I filed for bankruptcy in XXXX and was discharged in XXXX. In our bankruptcy was an account with XXXX. Recently, Old National Bank bought out XXXX and acquired all of their accounts. We checked our credit in XXXX of XXXX and there was no claim on our report for Old National Bank. We checked our credit report again in XXXX XXXX and Old National Bank was reporting on our credit as a bankruptcy discharge. By them doing this, it has dropped our credit score by XXXX points. We have never had an account with Old National Bank and were already penalized XXXX by XXXX XXXX back in XXXX for this account. We are being penalized again by Old National Bank for an account we never had and that is over XXXX years old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-11
Company: CarMax, Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I was not informed in writing regarding a possible charge off for bad debt nor given the chance to rectify the situation which I could have done. I have been paying on the car loan for four months not knowing it had been charged off. When I attempted to contact the company for past due amount and payoff quote I was denied the information. I was also harassed and threatened by a collection agency and she did n't provide me with a name of the agency or information on her call until she started calling around to people I know, which I am not sure how she got those numbers. I attempted to come to an arrangement with her but she threatened me and told me that she does n't have any information for me. I also filed a detailed report with the XXXX and with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: PNC Bank N.A.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On Saturday XX/XX/XXXX I attempted to link my PNC account to XXXX  so I would be able to Invest. PNC has blocked this transfer to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: Northwest Trustee Services, Inc.
State: WA
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Charged fees in excess of allowable XXXX non-judicial foreclosure fees of {$1500.00}. Did not repsond to mediation request or verify with lender that information was correct. Wrote wrong borrowers names on Notice of Default and failed to respond when notified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Medical-Dental-Hospital Bureau of San Antonio
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX, SHOWS ACCOUNT IN COLLECTIONS AS OF XX/XX/XXXX FOR {$140.00} AND ANOTHER FOR {$32.00} DATING BACK TO XX/XX/XXXX. BOTH ACCOUNTS WERE PAID AND I RECEIVED A LETTER FROM THIS OFFICE STATING SOMEONE HAD HACKED INTO THIS DOCTOR 'S PATIENT MEDICAL RECORDS. I REQUESTED THE XXXX REPORT FOR FREE DUE TO THIS WARNING, AND IT SHOWS, BOTH THOSE AMOUNTS ARE STILL OUTSTANDING. PLEASE HAVE XXXX XXXX XXXX 'S OFFICE REMOVE THESE XXXX CHARGES!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: AFNI INC.
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I received a letter from XXXX dated XX/XX/2017 that Account from XXXX XXXX has been removed from all national credit bureaus. I then received a collection notice from Afni dated XX/XX/2017 in reference to the same XXXX account XXXX which has now been added to my credit report like it 's a new debt which is not legal. It is affecting my credit once again after it was removed prior to Afni purchasing it the same month XXXX sent my letter of removal. How can Afni send me a collection letter dated XX/XX/2017 and XXXX send me a removal letter dated XX/XX/2017. The dates is not adding up and I want Afni to remove this off my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: Mountain Land Collections, Inc.
State: UT
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I have n't received any letter regarding my payment and directly sent to the collections.I noticed after almost a year on my credit report that I have a collections and called Mountain landing collections and paid the amount which was said that owed.Now after almost a year later I see still XXXX $ on XXXX saying that I owe.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation