BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-05
Company: Paypal Holdings, Inc
State: MI
Product: Credit card
Issue: Credit determination

Complaint:
Some months ago, as I was going through PayPal signing up process, I was also enrolled in PayPal credit without my knowledge. I only recently found out about it. I never requested this line of credit. I am afraid it affected my credit score which most likely affected my mortgage rate from a recent house purchase. I do not want PayPal credit card. I have no use for it. I would like PayPal to correct their action, but I am afraid that getting rid of this line of credit will again hit my credit score. Who is now responsible for the additional interest rate that I will incur over the life of the mortgage?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: Paypal Holdings, Inc
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I would like to close my Paypal account, " XXXXXXXXXXXX ''. I received email from Paypal that " After reviewing your account, we have decided to close it because of security issues. '' Paypal stated " funds have been withdrawn/transferred out of the PayPal system to a bank, online bank, ATM or prepaid card. '' They are incorrect. After speaking to a customer service representative today, I was told I could not withdraw my funds for 180 days. However, this is not satisfactory, since I have no outstanding transactions and would like to receive the full balance immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-18
Company: Penn Credit Corporation
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have a collection reported to my credit file by Penn Credit Corporation. This debt went to collection, however, I had an agreement with the collection agency that they would delete the collection from my account. I paid the collection, however, the collection still appears on my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: National Credit Systems,Inc.
State: CA
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:
I have a collection which was a moving out balance from XXXX XXXX XXXX XXXX in XXXX XXXX. But after I checked with the apartment, they found some mistake and cleared that balance. I do n't know why I still have this record with National Credit Systems. I called them many times and provided them the proof of the cleared balance but they still did n't get my record cleared!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
National Credit systems has not provided me with any copies of any contracts or agreements that have my signature on it that proves that i owe the amount of debt to them in which they are reporting to credit agencies electronically and according to credit agencies National credit systems do not have to provide the them with any documents supporting there claim

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MS
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I burrowed {$3000.00} around XXXX or XXXX of last year from Springleaf Financial in XXXX, MS XXXX. I requested a payoff twice. When I asked how much principal and interest I was paying no one could tell me about it. I called XXXX XXXX XXXX twice before anyone answered the phone. The first time I answered then I missed the second phone call. I called back and left a voicemail and he never replied back. While on phone call with XXXX XXXX I asked several times for my payoff and I asked how was it calculated. XXXX XXXX stated, " Our system is n't calculated to give us principal and interest. I asked him could he provide this information to me and get back with me. I went to pay off my loan and noticed that my principal amount left to pay was {$1100.00}. My pay off was {$2800.00}. I did not sign up for any insurance or third party sales. I was wondering why I had {$1700.00} left in interest when my paid it off 2 years early.. I do understand the Interest rate was 19.99 % but I did understand my rate. I asked several times for XXXX XXXX to provide me with an amortization schedule. He said he would get me XXXX but he would have to talk to his boss. I went to pay off my loan, and I had an ACH setup. I did call the business to cancel my ACH so that I could get this issue resolved. I want to put this behind me. It 's been almost 2 months since I requested the following information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: CASHCALL, INC.
State: TN
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I borrowed a loan with XXXX XXXX. The paperwork came in the name of Cashcall. The was on a payment plan that never ended. The company charged so much interest. I called several times to make a lump sum payment, but was never able to get a call back. The next thing I knew a man from another company started calling me harassing me. This is after 2 years has past. I borrowed {$2500.00} and now they want me to pay back {$5700.00}. They are claiming they are gon na sue, and file charges. The person got upset when I stated I would have my attorney call him back.

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
Consumer complaint received 2015-09-25
Company: Van Ru Credit Corporation
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am getting harassing calls on my cell phone and in my office from the phone number XXXX. I did not answer the phone because I did not recognize the number and have had to file for this type of incident before. When I XXXX the number. a listing for Van Ru Credit came up with listing of harassing complaints. They do not leave a message, so I am unaware as to why I am receiving a phone call from them. 

Van Ru Credit CorporationXXXXXXXX XXXX XXXX XXXX, Illinois XXXXhttp : //www.vanru.com/Contact.htm

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-09
Company: ACCESS GROUP INC.
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX is conducting substandard, if not illegal, loan practices. Their website lacks key information about my private student loans, such as the original loan amount. They do not offer a service to allow borrowers to increase their monthly payment amounts. I took out my loans from Access Group, which worked fine for me through XXXX school. I believe ACS is intentionally obscuring their contact information on their website, does not allow borrowers to speak with a representative in the U.S. without at least a 30 minute wait period ( first requiring the borrower to go through a confusing automated recording that does not have an option to speak to a live person, then sending you through to someone overseas ), and is preventing borrowers from actively controlling their student loan debt. When I finally spoke to a representative, she told me they were not legally required to provide payment plan information. I was told that if I wanted to increase my student loan payments, to send an email to an anonymous address. I asked if there was a specific person I could speak to about handling my loan repayment, she said " no. '' My email would go to " another department '' that she did not have contact with. I do not understand how this is an acceptable practice. Given the opacity, I have very little idea of what they 're actually doing with my loans. I have researched complaints on XXXX and given the volume of posts on various websites by students of all backgrounds, I can not imagine how the practices at XXXX are legal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
threatened that my credit will be ruined for seven years and I better have proof that the carpet in the apartment was in good condition if I am disputing. kept asking me for personal information such as my social security number. I already gave a security deposit which was not returned to me also the apartment complex was in the process of making upgrades, as each tenet moved out the carpets were removed and replaced with wood flooring. This is a scam to have past tenets pay for the buildings upgrades. During my time as a tent I never missed a rent payment, even when going without air conditioning on XXXX separate occasions each lasting several days. There was also and issue where Bees began nesting inside of my apartment when I asked the manager for help she hung up on me. the Bees were eventually exterminated. It is not possible to reach anyone above the apartment manager at XXXX, it goes to voicemail and the mailbox is full. Also I was never sent a bill or contacted by anyone that had an outstanding balance before receiving a collections notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: AVANTE
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
applied for a personal loan through Avant. and suddenly i have a XXXX hospital bill from XXXX on my credit report from Avant usa. one is for {$5000.00} something and another for {$800.00} something. They are reporting that this debt was first reported in XXXX XXXX. This is a lie! I was at XXXX hospital in XXXX! These bills were also removed from my credit report yrs ago as well due to misdiagnosis! I did not get any notices or bills and now since i happened to apply for a loan from AVANT who now i am assuming is the collector for these OLD NO LONGER EXISTING BILLS decided to lie and report to my credit. This IS ILLEGAL and needs to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I am the co-borrower ( as XXXX, not XXXX ) on this loan with my now ex-husband. We 've been divorced for 2 years, however on XX/XX/XXXX, One Main Financial allowed him to do an " Adjustment of Terms '' on this loan, extending the term of the loan to XX/XX/XXXX, 5 years longer than the maturity date of the original loan that I agreed to, without my signature or even my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have my several hard inquires on my credit reports. I have never applied for any credit with this company and would like them to remove there inquires and remove any of my personal information they have fraudulently received from there records

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: AES/PHEAA
State: WA
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:
Though profiteering is a harsh word, it is somewhat apt- the current student loan providers are set up to maximize profits for the loan companies and not for the support of the loan holders. As I am XXXX, I am attempting to participate in the XXXX program. However the barriers set up are extensive and I am coming to the conclusion I would be better off with a home equity or XXXX loan, and greatly regret the time wasted within the program, and feel truth in lending has been violated. 
Specific complaints : 1. My loan has been moved many times. Each time I ask specifically to be sure that I am making payments that qualify for teacher loan forgiveness. I have a letter from previous lenders stating I had made XXXX payments as on XXXX XXXX, and have continued to make payments that I checked would qualify, and at the time was told they would qualify. My current provider says I have made XXXX payments as of XXXX of XXXX and will not explain further, saying previous lender were wrong and I can take it up with them. I have documentation. 
2. Each time you ask or certify for an IBR selection, it puts you automatically on 20 year standard- which does not qualify for XXXX. It does not allow you to choose, or even tell you that you are on a plan that does not qualify for XXXX. It would be easy enough to program a choice, or automatically pick a payment that is shorter vs longer, or at least indicate the consequences. You must ask to be put on 10 year. If you ask at the time of IBR, it does not matter- you are put on 20 year. This creates gaps in the payments towards PLFP 3. As your income changes, your need to reapply to IBR- see above. 
4. Loan providers trade you around- and payment changes ( 20 year! ) see above. 
5. My current provider : takes XXXX 3 months to readjust your payments to a lower term that qualifies- payments that do not count towards PLFP ( $ thrown out the window ). You must make and least XXXX if not XXXX payments on the 20 year standard before it adjust to the 10 year or IBR. There is no reason for it to take this long. I 'm even convinced communications are timed to maximize payments for the loan providers. 
6. Tracking of conversations : current system is difficult to track your conversations with provider unless you take screen shots and save them or manage to establish a conversation through your email- which is not easy to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: Netspend Corporation
State: MD
Product: Prepaid card
Sub-product: Other special purpose card
Issue: Fraud or scam

Complaint:
I got email this morning from BRINKS Money claiming the following : " We mailed your new Brink 's Prepaid MasterCard ( XXXX ) today! It should show up ( in a plain white envelope ) very soon '' and asking me to activate it. 

At no time I applied for this card. I called them and they said it was just an advert asking me if I want the card or not but there was nothing advert sounding about the email. It is designed to make people believe that they applied for the card because the email expressively stated " You received this email because you have a Brink 's Prepaid MasterCard. We value your privacy and our relationship. View our online privacy policies. If you no longer want to receive feature updates, card benefits, and promotions from Brink 's, unsubscribe or mail your request to XXXX. XXXX XXXX, XXXX, TX XXXX. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: NVR INC.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
We purchased our new home in XXXX 2015. We later found out, almost 1.5 years later, that our home resides in a special tax assessment area called the XXXX XXXX XXXX XXXX XXXX ( XXXX for short ). This XXXX carries with it special tax burden that was not explained to us nor was it disclosed in the residential mortgage loan application, the purchase contract, the deed of trust, the truth-in-lending form, the good faith estimate, or any other legal document that such a property tax should have been disclosed in. The tax ultimately amounts to approximately {$53000.00} over the life of our 30-year mortgage, and the yearly assessment is expected to go up 2 % each year until the entire amount is paid in full. Many residents have contacted various entities involved with disclosing this information, such as the developer, XXXX, the home builder XXXX, the settlement company ( a subsidiary of NVR Mortgage ) and we have been very disappointed with the responses from each individual party.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Late fee

Complaint:
I have a Lowes card with Synchrony Bank. I set the account up on reoccurring payments on XXXX XXXX, 2015 to pay the balance in full on the payment due date. On XXXX XXXX, I logged in to my account and the payment had not been processed and the put a late charge on my account. Please, someone do something about their fraudulent misleading practices. I will never use the Lowes card again and paid it in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Billing statement

Complaint:
Synchrony Bank reported my Amazon.com retail card as 30-days delinquent to XXXX in XXXX 2013, even though the company has previously admitted fault via telephone that they may have made a mistake in sending the statement, which led to my missed payment. Synchrony has removed the delinquent mark on XXXX 's file, they should remove it on XXXX 's file as well.

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
Consumer complaint received 2015-07-17
Company: SUNTRUST BANKS, INC.
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have my home mortgage with Suntrust Mortgage Acct # XXXX. Name : XXXX XXXX XXXX. On XXXX/XXXX/15, a very large tree fell on my house during a storm. The insurance adjuster came out, the next day, took pictures, said it was a total loss. I signed a form for him to get the payoff from Suntrust, the insurance was just enough to pay off the loan. He told me to call them, give them his name the claim #, etc, and let them know it would take 3-4 weeks and explain that I could not make a payment because I needed all my available funds to find a new place for my family of XXXX to live. I did that. A few days later, they started calling me. Every day I explained the situation to them, told them the insurance company was going to pay it off. Yet they still called everyday to harass me. On XXXX/XXXX/15 I went to the bank and showed the branch manager the pictures and explained everything to her and she tried to get a manager in the mortgage department to stop the calls, also. Today, a girl named XXXX called again telling me I needed to make a payment. I thought once you told them to stop calling you, they could only contact you by mail. I have enough stress, trying to put a roof over our heads and get beds to sleep in, I do n't need them harassing me to make a payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: Seattle Service Bureau, Inc
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid the XXXX an amount of {$390.00} on XXXX/XXXX/2016 to pay my past due amount on the final move out amount. The account was taken to a collection agency on XX/XX/2016. I have since contacted the collection agency to advise that I paid the account in full to the creditor. The agency will not cease collections and update my credit file to show that I am paid in full. The name of the collection agency is the National Service Bureau. Their contact information is XXXX XXXX XXXX XXXX XXXX . XXXX, XXXX, WA XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
Company continues to report incorrect and incomplete information despite multiple notifications of error. Company lists account as a charge-off, closed by credit grantor, although debt was discharged via bankruptcy in XXXX 2013. Have contacted Consumer Reporting Agencies following instructions on their websites, twice via certified mail, and supplied supporting documentation. Also contacted this creditor directly via certified mail. The company also sold the account to a collection agency AFTER the bankruptcy. This company and/or its representatives continued contacting me via personal and work phone long after being informed of bankruptcy. 

Requesting company to immediately report account correctly as discharged in bankruptcy, with no balance due as of the discharge date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: National Credit Systems,Inc.
State: TX
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:
I asked to break my lease in the apartments that i resided. So they asked for {$1000.00} dollars as a fee for breaking the lease. I paid that money plus the rent of that month. I left the apartment by the end of XXXX and they said said that the apartment will be leased at XXXX so you have to pay remaining balance till XXXX. I figure out that they are charging me {$4600.00} of rent for XXXX and XXXX and XXXX. The lady working told me i only pay for XXXX. So i want to dispute these extra charges and complain.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation