BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-20
Company: Io, Inc.
State: PA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The XXXX XXXX organization sent my account to a collection company, Receivables Management of XXXX VA, without billing us directly. My family of XXXX has lots of XXXX medical issues in the course of a year, and in every case, we always pay our bill immediately, or in exceptional cases make arrangements to pay extremely large bills over a series of installments. We have a high deductible medical insurance plan, and routinely we pay over {$6000.00} in medical costs until the deductible is met, and when the deductible is met, our insurance faithfully covers the remainder. We use our local XXXX XXXX 6 or 7 times a year, at least until now, and we have never had any issues, and our credit reports demonstrates that we do n't have issues with anyone else. We first became aware that XXXX had sent a balance to collections with Receivables Management of XXXX VA XX/XX/2016 when my daughter required medical care. Naturally, as soon as we were informed that anything was outstanding, we paid the bill in full immediately at the front desk of XXXX XXXX. We contacted the credit bureaus about the matter, and naturally the erroneous information was " confirmed ''. This is an abusive practice and I can not fathom what business purpose it serves to take ordinary receivable matters in turn them into inappropriate collection practices.

Company response to consumer: Closed
Consumer complaint received 2016-01-27
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was contacted by I.C. Systems about a year ago, they called my cell phone repeatedly until I picked up. They asked me to confirm my information, to which I asked who they were. All they said was I.C Systems, I said " OK. And who are you? '' They told me they needed me to confirm my address, after multiple attempts I got fed up, and gave in to giving them my address. They told me that I owed them money from a previous doctors bill. I asked them to verify the information they were talking about. They could n't. They just told me that I owed them money from a doctors office. I told them they needed to send me information on this, to which they responded " We sent out a letter yesterday, we need you to make a payment. '' I told them I was n't making a payment to them without any information. They told me the letter was in the mail, to which I replied " ok, when I get the letter in the mail and review it, I 'll call you back. '' They called me again and again, same song and dance, telling me I owed them money and I needed to pay it. I told them I never received any paper work form them. They got very nasty with me and told me that it was sent out and that I needed to make a payment. I told them I would review the paperwork when I received it, and I would call them back. They kept calling, and I did n't pick up. It 's now a year later and I still have not received anything from them in the mail, even after confirming my address with them. 

This is harassment. They are non-stop calling, have n't sent me any information, they do n't confirm that they are a collection company or that they are collecting a debt and are very nasty. I have no problem paying my debt, but it wo n't be before I have any written information. This is now destroying my credit, because it 's been on there for a year, and I have n't received anything in the mail. I really hope that you can do something about this company because they have tons of bad reviews and do n't seem very reputable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This firm is attempting to collect a debt and they have not given me any information as to what they are claiming I owe. This issue dates back to 2020 and they are attempting to levy my account without giving proper information and notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Square Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This lady was doing my taxes of 2020 and had my whole refund and simulus sent to her account not mine Ive been in touch with the IRS The first account is mine but the second account I have no clue about

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: Google Compare Credit Cards Inc.
State: PA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I 've had a Google Waller account for some time. Earlier today, I received an email that stated my account was put on hold due to suspicious transactions I had placed. After a long phone call, Google decided to close my account, which I believe is unjustified. All the transactions that took place were made by me ( and only me ) and I was n't given an opportunity to appeal the decision. As a XXXX service that I trust, I want my account reinstated after proving no transactions were unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04
Company: Paypal Holdings, Inc
State: DC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I feel that Paypal has deceived me about their service because of 1 ) very limited, contradictory and poor information on their website. 2 ) customer service agents who stonewall, repeat provably incorrect information and contradict each other 3 ) repeated failures to respond or follow up with a response 4 ) claims that you can access your money by following various steps only to discover the money is still " on hold. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-21
Company: CIT BANK, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Settlement process and costs

Complaint:
Client is a non-borrowing spouse on a reverse mortgage. The XXXX spouse died on XXXX XXXX, XXXX. Upon husband 's death Financial Freedom contacted non-borrowing spouse and advised that in order for her to remain in the home, non-borrowing was to provide a tolling agreement and several other documents XXXX death certificate and marriage license XXXX to Financial Freedom. XXXX XXXX spouse sent the tolling agreement to Financial Freedom by XXXX, tracking number XXXX. This tracking number shows that the documents were received by Financial Freedom on XXXX XXXX, XXXX at XXXX. Moreover, on XXXX XXXX, XXXX non Borrowing emailed the required documents to XXXX XXXX at XXXXXXXXXXXX. On XXXX XXXX, XXXX XXXX XXXX confirmed that he had received the documents by sending a text message to Non-Borrowing Spouse. Non-Borrowing Spouse has since heard nothing from Financial Freedom or XXXX XXXX. On XXXX XXXX, XXXX we called Financial Freedom and were told that none of the documents submitted by XXXX XXXX Spouse have been received and that it XXXX take " a while '' for the documents to be uploaded to their system. Financial Freedom sees to disregard the time element of due and payable due to the death of the borrowing spouse and ignores the fact that the non-borrowing spouse has XXXX says to submit her documents to Financial Freedom as required by HUD. Financial Freedom 's delay is causing harm to the Non Borrowing Spouse and is prejudicial to her ability to remain in her homestead.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I informed Capital One Bank I have been a victim of identity theft for over 20 years. I have sent Capital One Bank numerous identification documentation for verification of my identity and home address. Capital One Bank just close my secured Capital One Platinum MasterCard : XXXX due to identity theft issues again. Capital One Bank should not have close my account because I did apply for the Capital One Platinum MasterCard account. The was my credit card account and was not opened because of identity theft or a complaint made to the three major credit bureaus. I did open the platinum MasterCard account and want my account reactivated and back open because it was my account I applied for and opened. There was no fraud or identity theft issues made on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: Dynamic Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Dispute Over Inquiries on XXXX Credit Report- Unauthorized AccessI contend that all of the inquiries made by DYNAMIC RECOVER SOLUTIONS, XXXX XXXX XXXX, XXXX SC XXXX, on XX/XX/XXXX, on my XXXX Credit Report are unauthorized and must be removed. The Credit reporting is inaccurate, incomplete and unauthorized. I did not give my consent to access my credit report. 

Background Identification BreachOn or about XX/XX/XXXX, I had my gym bag and contents in a locker stolen and compromised. At the time I believed that my identification had been in my purse in my car, however, this was not the case. From that date on I obtained replacement identification without knowing that I had a right to file the information with the credit reporting entities. Since XX/XX/XXXX, up through and including XX/XX/XXXX, I find that an individual in XXXX XXXX XXXX, California, may be compromising my identity. 

During these times I have found that my internet email has been inordinately littered with requests for credit card loan and merchant credit card offerings, which may or may not be normal these days, but seem unusual and suspect. 

Any internet inquiries into my credit, if any, were unauthorized by me. 

Demand to Remove Unauthorized InquiriesMy review of a recent XXXX credit report indicates that items, from XX/XX/XXXX, up through and including XX/XX/XXXX, stated above, constitute unauthorized and unlawfully accessed information in violation of state and federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: Risecredit, LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I took a loan with rise credit for XXXX and I was unable to make timely payments. I expected to pay it once I received my tax return. However, it went to collections and then a lawyer and they added so many penalties and fees. Now I owe XXXX for a XXXX loan. Now, they are garnishing 25 percent of my paycheck and I 'm already struggling as it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: CMRE Financial Services, 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 recently served notice to the company to validate a questionable account they had reported on my credit report. The company not only failed to provide me with the proof I had requested but also verified the account with the 3 credit bureaus and persevered with reporting it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: Conn's, Inc.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive calls 7 days a week, from XXXX.- XXXX from random numbers but same company. At times the calls can be anywhere from 15-30 minutes apart to 1 hour apart. This has been taking place for the last 10 months straight.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-31
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I originally purchased living room furniture from Ashley Furniture and the XXXX time my husband reclined in the sofa the back broke off. They replaced the sofa. The XXXX time I purchase a bedroom set the beginning of XXXX and it was delivered ( without all the hardware to put it together ) on XXXX XXXX which was my grandsons graduation day. The furniture stayed in my living room for weeks and had to have a graduation party with it in the middle of my living room not to mention my husband missed my grandsons graduation waiting on someone to come back to move it but never showed up or called. Several people have come to the house on several occasions to put it together still without the hardware and we have had to take off of work each time to meet them. Since then we have had several people come back still without the hardware to put it together. They finally came back with the pieces to put the bed together but still waiting on the peices to put the mirror on the dresser. Bought in XXXX and here it is going on XXXX. I can not get a hold of customer service and the store is not giving me any service or returning my phone calls. I will never buy another thing from Ashley Furniture again therefore I do not want the credit limit increase on my card. Please take it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I sent {$300.00} to my son on XX/XX/2020 through Paypal. My sin never received the money in his account, but it was withdrawn from my bank. I sent another XXXX to him through another email that went through and he received. 

I have messaged, emailed and written 3 letters to Paypal. I have called Paypal but get a message saying they are too busy and it hangs up. Paypal will only tell me the money was sent, but not where it is. My son has checked both his Paypal and bank accounts and the money was never received by him. 

I am trying to get the money back, but Paypal has been less than helpful in resolving this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-05
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Hello to whom it may concern so as my transactions on my bank statement will show I was in XXXX XXXX for the XXXX XXXX  weekend ( XXXX XXXX XXXX ). In my current job we communicate through email so when I was checking my work agenda and notifications for the following Monday on Sunday night XXXX XX/XX/21 ) I saw various emails from XXXX XXXX, MoneyGram and XXXX. In those emails it states money had been sent to XXXX from my account which where 2 transactions at different ties from MoneyGram and 2 from XXXX. I was able to cancel any transactions made through XXXX thankfully through the merchant themselves. I called MoneyGram soon after to stop the transaction because it showed on my account as " Processing '' meaning it had not been fully taken so there was a chance at stopping it. When I called the company they first asked me if it was okay for them to record my conversation into which I agreed because it will save as evidence. The first associate who helped me got information from me, I continued to answer their security questions and followed all their steps to verify that it was indeed fraud. In the end of the call I asked him various times if he was going to be able to stop the transactions and put the money back in my account he guaranteed me he had stopped the transaction and I would be getting my money back. Again this was very late at night the conversation took place around XXXX  but I called my bank first thing in the morning when their customer service hours were open to make sure the refund was going in place and the associate told me that MoneyGram had not sent the money back so I called MoneyGram once more and the second associate goes through the same procedure to get the same information with recording as well but this time tells me that the refund is not possible. So I go on to tell him that the previous associate had told me otherwise and even stated in a recorded conversation that the refund was going to be made, all he does as I cry is tell me he is sorry I ask to speak to someone above him and he does not acknowledge it and now I have {$2300.00} that I had worked hard for to pay for my rent which was all my money unfortunately when the transaction is still pending at not even completed because MoneyGram did not want to stop the transaction and did not put the funds back into my account after agreeing to do so in a recorded conversation from their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card
Issue: Billing disputes

Complaint:
HELLO. 
THIS PARAGRAPH IS SUPLIMENTAL TO THE ONE BELOW.ON PAGES XXXX THRU XXXX IT IS CLEARLY INDICATED THAT I WAS CHARGED FOR NOBLE MATERIAL AND I WAS PROVIDED SEMI PRECIOUS.AS SEEN IN THE DOCUMENTS PROVIDED YOU SEE THAT THE XXXX XXXX AGREES WITH MY ARGUMENT.UP TO THIS DAY THE PHYSICIAN HAS FAILED TO PROVIDE THE CERTIFICATION OF ANYTHING ON THE XXXX POST.IHAVE SPOKEN TO THE OTHER AGENCIES AND THEY SAY IN CASE OF INSURANCE THIS WOULD BE A PERFECT EXAMPLE OF INSURANCE FRAUD ; SINCE THERE IS NOT INSURANCE INVOLVED THIS IS DEFINITELY A COMPLETE VIOLATION OF CALIFORNIA XXXX XXXX XXXX AND COMPLETE BREACH OF CONTRACT.I NEED A SERIOUS AND IMMIDIATE ATTENTION TO THIS MATTER PLEASE.WHEN I RECENTLY SPOKE WITH REPRESENTATIVE SHE SUGESTED THET I RESUBMIT THE COMPLAINT. 
THIS LETTER IS TO COMPLAIN ABOUT SERVICES I RECEIVED STARTING XXXX XXXX, 2012. I ORIGINALLY WENT TO THIS OFFICE BECAUSE I HAD XXXX IN MY XXXX. I JUST WANTED THESE XXXX OUT AND REPLACED WITH COMPOSITE XXXX. THIS IS A VERY SIMPLE PROCEDURE. I WAS TOLD THAT I NEED XXXX AND XXXX. AS I WAS IN THESE PROCEDURES DONE I KEPT ASKING ABOUT THE MATERIAL USED FOR XXXX AND XXXX. I GOT I DO N'T KNOW FOR AN ANSWER EVERY TIME. MY ORIGINAL COMPLAINT I WENT TO THIS OFFICE WAS SEMI PRECIOUS MATERIAL IN MY FEELINGS. LATER WHEN I FOUND OUT BY COMPLAINING TO THE BANK THAT THE MATERIAL USED WAS SEMI PRECIOUS AND I HAD REPAIR BILLS FOR XXXX OF THE XXXX I WAS COMPENSATED FOR {$1400.00} PLUS INTEREST THAT WAS AMOUNT OF {$1700.00}. UP TO THIS DATE I HAVE NO IDEA WHAT MATERIAL WAS USED IN XXXX. I HAVE COMPLAINED MANY TIMES THE BANK THAT FROM THE BEGINNING THE CONTRACT WAS BREACHED AND I WAS CHARGED FOR PRECIOUS MATERIAL AND I WAS PROVIDED SEMI PRECIOUS AND UP TO THIS DATE I HAVE NO CLUE WHAT MATERIAL WAS USED ON MY XXXX. WHEN I COMPLAINED TO THE BANK FOR THE LAST TIME I WAS GIVEN A CREDIT OF {$730.00} FOR {$5100.00} $ XXXX THE INTEREST OF 14.99 %. I 'M NOT EVEN SURE IF THIS AMOUNT IS CORRECT. I AM VERY CONCERNED BECAUSE XXXX OF THE XXXX HE HAS DONE NEEDS XXXX AND ANOTHER XXXX XXXX NEED TO BE REDONE. THIS IS ANOTHER CHARGE OF {$3600.00} ON TOP OF OLD EXPENSES THAT HAD ORIGINALLY COST AT LEAST {$8000.00} OF EXPENSES SINCE XXXX OF 2012. PLEASE BE ADVISED THAT CONTRACT WAS BREACHED AT THE BEGINNING AND I HAVE TO HAVE ALL THE XXXX BE DONE AGAIN BECAUSE I DO N'T KNOW WHY I HAVE XXXX IN THE XXXX AND I FEEL DIZZY ALL THE TIME. I AM COMPLAINING BECAUSE I HAVE SERIOUS DIFFICULTIES XXXX ON ALL OF THE TEETH HE HAS WORKED ON.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: Conn's, Inc.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Between XXXX XXXX, and XXXX on XXXX XXXX, I have received 52 phones calls from Conn 's appliance in attempt to collect a debt. I 'm not disputing the debt, and intend to pay once I secure finances to do so. I have asked to be taken off of their automated phone cue, as they stated this was the reason for the excessive calls. However, I still receive anywhere from 8-13 calls a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-07
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
The issue is with CareCredit. Despite their own system showing discrepancies among my Account Balance of {$680.00} and my Promotional Account Balance of {$620.00}, which is a difference of only {$62.00} in late fees, the agent XXXX and his manager XXXX continued to insist that I owed them {$94.00} to bring my account current. When I asked why, they both said that they do n't calculate why I owed " that way. '' I replied, " then, there 's something wrong with you. '' I guess they do n't do it mathematically. I think their system had not updated yet, but they were not willing to update or correct, even for the sake of logic. 
So, in their website, there were discrepancies among my Current Balance, my Promotional Purchases Balance, and my monthly payment amount. Despite their admission that my initial balance was {$750.00}, and they had already credited my account for {$120.00} in payments from XXXX/XXXX/15 through XXXX/XXXX/15, putting my Promotional Purchase Balance as {$620.00}, and their admission that they had only charged me {$62.00} in late fees, making my Current Balance {$620.00} + {$62.00} = {$680.00} ; these customer service agents insisted that I owed them {$94.00}, instead of {$62.00} to bring my account current. They could not be bothered to correct their system, for the sake of logic!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Experience Credit Reporting employees continue to allow Fiticious Business access to Credit Profile to Lower FICO Score, XXXX. Was allowed access with out proper authorization, or application. The Business phone Number listed is a Mail Box that is Full and does Not allow messages. This is a on going problem with Experian Credit Reporting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
they allowed someone to apply for credit in my name with out my consent

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