davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-15
Product: Credit card — 
Issue: Other — 
Company: Paypal Holdings, Inc (AZ)

PLEASE NOTE : PAYPAL AND BILL ME LATER ARE OWNED BY THE SAME ENTITY I have two accounts : # 1 Bill Me Later / XXXX account # XXXX PayPal Credit account I was staying current on both of them. After XXXX XXXX ( my last payment to account # XXXX, see evidence XXXX ), I was told by PayPal that account # XXXX had been renamed and reclassified as PayPal Credit. It was noted that I need not do ANYTHING further to consider account # XXXX as a PayPal Credit account ( please see Evidence XXXX ). 
You can link your PayPal Credit account to PayPal.com account. However, my original PayPal Credit account ( # XXXX ) ended up being the linked account on the PayPal.com website ( never offered a selection ), with NO ability to link the new, secondary PayPal Credit account ( # XXXX ). I had no idea the functionality worked like this, nor was this disclosed in the PayPal Credit FAQs ( see Evidence XXXX ). Thus I began paying down the PayPal Credit as usually ( # XXXX ) as shown through the PayPal.com website and completely paid that balance to zero ( see Evidence XXXX ). 
Little did I know that # XXXX was never linked to PayPal.com, so I had no visibility into the account or to access statements. I did not know that I had to go to the OLD Bill Me Later / XXXX site to make payments as PayPal was even calling the new product PayPal Credit! This is very misleading to the consumer who assumes his product is called " PayPal Credit '' now. 
This resulted in me not paying off a promotional no-interest offer by XXXX XXXX ( original balance {$450.00}, see Evidence XXXX ). Interest was accrued ( and is still accruing ) with penalties. Interest and penalties as of the XXXX/XXXX/XXXX statement amount to {$290.00}. My proposition to PayPal was to pay the {$450.00} and cancel the card. They refused and demanded I pay interest. I will not do this as I believe PayPal did not take into account situations in which customers would now have more than XXXX PayPal Credit account. 
The situation was further exacerbated when I would call in and the representatives would refer to XXXX accounts as PayPal Credit, which I would then assume was paid off. 
I am a good American who takes his debt seriously ( please see my XXXX, Evidence XXXX ), but feel like I was unintentionally misled by a process that was n't thought through end-to-end. To this day, I am unable to link XXXX accounts to PayPal.com even though they are PayPal Credit products. I reiterate, I am unable to get a holistic view of my credit with PayPal in XXXX spot. I have no problem paying the debt I signed up for, but I would never in my life pay interest on a promotion I knew I had to pay off. PayPal should have disclosed the issue with their linking and informed customers they should continue making payments through the old portals they were used to. Please help, CFPB. PayPal refuses my offer and wants to turn a profit on their poor system design.
Consumer complaint received 2017-03-25
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (AZ)

Commonwealth Financial System - A Debt Collector has put negative information on my credit report for a bill that should have been paid by VA. Almost ten years ago I went to a VA Clinic because of XXXX XXXX XXXX ( XXXX ). When I arrive at the clinic they were concerned that my XXXX and called an ambulance to take me to the nearest hospital. I told them that I would drive to the hospital myself but they insisted that it was n't safe and I must go via ambulance so I relented and was transported by the ambulance the called to a nearby hospital. Several months later I started receiving bills from the ambulance carrier because VA had not paid the ambulance. My wife contacted VA who agreed that the trip was initiated by them and would therefore be covered. Months went by and the bills started again. Again we contacted VA to request that they pay the bill. After nearly a year of going back and forth with them they explained that this coverage had not been paid because VA had restructured and this benefit was moved to a different department. We had to start the process over with them. After many months and tremendous frustration VA agreed again that they would cover the ambulance ride. We believed that after 2-3 years of working through the bureaucracy that this was finally taken care of. In XXXX of 2016 according to my credit report Commonwealth Financial System a Debt collector is trying to collect on the ambulance ride provided by VA again. I explained all of this to them but they are unwilling to remove it from my credit report. I asked them if they had anything signed by me saying I was responsible for the debt. They said " no '' but they are not going to remove this fraudulent collection unless I pay the bill. I am a vet who 's credit is being hurt because VA has not paid has somehow not paid a bill that they created and Commonwealth Financial System is holding me hostage for the money.
Consumer complaint received 2016-02-07
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (WA)

XXXX XXXX, XXXX, I listed and sold an item ( computer game ) on eBay for {$42.00} to a new ebayer named XXXX XXXX. XXXX sent payment to my paypal account. Paypal deducted transaction fees leaving with with a {$40.00}. I sent the item ( computer game unlock code ) via eBay message to complete transaction. 

XXXX XXXX, XXXX : Paypal alerted me the credit card used by XXXX was a fraudulent and unauthorized charge thus they initiated a chargeback against me. PP opened a dispute and asked that I supply them with proof of my delivery of the game code which I did. 

XXXX XXXX, XXXX : Paypal found I had sent the item but was not protected because of their ToS indicating I sent a nontangible item ( a game code which unlocked the game from the developer allowing a one time download of the product ). PP then tacked on a charge of {$40.00} to an unrelated purchase I made from another retailer of {$28.00} and deducted that combined amount from my credit card. Note : My credit card is a backup service as all normal deductions of my purchases normally go through my attached checking account as a debit. 

PP did the following : -accepted a stolen credit card from XXXX -deducted transaction fees on that transaction -offered me no protection from fraud in terms of vetting the payment account -they will not provide me with the disputing credit card company contact info or transaction info for me to follow up -they charged my credit card by adding on $ on top of a legitimate unrelated purchase I made then took those fees from my credit card with they have never done before. 
-they are unable and or unwilling to properly notify eBay that the buyer ( XXXX ) has not paid which will allow me to thus file a complaint with eBay triggering any protection I might have there. 
-They claim I have no protection on this sale because my item was a non tangible. 

How does one not rely on a transaction service ( who takes fees on that same transaction ) to protect oneself from fraud?
Consumer complaint received 2016-11-29
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY (NV)

XXXX card was used to purchase gift cards from XXXX, when they cards were checked they were all empty had XXXX balance, reported to XXXX and XXXX. XXXX sent me emails from the XXXX unit which stated they attempted to contact the people who used the cards both on line and in the stores but have not received any response. They know I did not use any of the gift cards, they have also stated they know everyone who used the cards by date and time but can only share the information with law enforcement, I tried to file with XXXX Metro PD but they said it was a Federal issue as XXXX is located in XXXX and I live in XXXX XXXX, I then was told to file an IC-3 ( # XXXX ) which I have and have not heard anything back. XXXX refused to give any credit back to my XXXX, they admit that I never used any of the gift cards, and they know who did. I request a credit back to my XXXX for the full amount and a letter to all the credit agencies that this was fraud by others. I spoke with XXXX in their XXXX customer service who gave me the date and time each card was used, you will see the last XXXX numbers of each card the date used and the time, the cards never left my possession so how does one make a purchase in the store without the card? XXXX will do nothing to help nor will XXXX they said there is nothing they can do.
Consumer complaint received 2015-07-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Harris & Harris, Ltd. (IL)

We got home phone service from XXXX XXXX XXXX XX/XX/XXXX. We immediately received automated telephone system calls every weekday and they want to speak to XXXX XXXX. These automated calls do not allow you to simply press a button and speak to someone. You have to write down their number and call them. We registered our home phone number on the do not call list on XX/XX/XXXX because of these calls. I filed a complaint with the FCC on XX/XX/XXXX. 

I notified the caller on these dates and times to stop calling and that we do not know XXXX XXXX, we are on the DNC list and we just received the new phone number. I begged them to stop calling. 

XX/XX/XXXX at XXXXXX/XX/XXXX at XX/XX/XXXXJust per review of the incoming call records from XX/XX/XXXX - XX/XX/XXXX and in that 18 days they called us 19 times, including 8 times ( every single weekday ) after the second notification on XX/XX/XXXX. 

They use several different telephone numbers, which they continually change so you can not block them, XXXX : //XXXX They also use different company names, e.g., XXXX XXXX XXXX , XXXX.XXXX PCHarris & Harris XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX. 
Harris and Harris of Illinois, Ltd. 

This morning their call right after XXXX woke up our child. Please make them stop harassing my family. Thank you!
Consumer complaint received 2016-12-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: CITIBANK, N.A. (TX)

I sent in the payment that was due for the month. The payment contained a little extra with a note, " apply excess to Loan XXXX. '' Instead of applying the amount due to each separate loan and the extra to this specific loan, it applied it all to Loan XXXX. We received calls saying that it was past due and asking to collect. When asked the last payment they could see that it was improperly applied. We were then told to change where we sent the money and to add the -XXXX at the end of the payment so that it would be applied to all. The -XXXX has already been added as requested earlier as this has happened exactly the same way for the last 5 months. We had been told to send it to the Exceptions Center and that this should solve the problem. We have been doing that. We are now being told that we should send it the regular processing center with -XXXX and that should solve the problem. Yet, we already send it with -XXXX and it is still not processed appropriately. This has been a recurring problem since XXXX 's payment was mis-applied. The same thing has occurred each month since. We get multiple collections calls asking us to pay for what has already been paid and that Citibank has been unable to process correctly. When speaking with representatives they give contradicting advice to solve the problem. We have spoken with someone who stated they would make sure the check was applied correctly after we filed a complain previously, and yet that was never done for that month. Even after following what she told us to do to do, the problem continues. We feel harassed. We get the calls on Saturdays, Sundays, and holidays. Several times the representatives have refused to speak to those authorized on the account and asked for personal information that was not necessary to give over the phone. The most recent representative who called to collect was respectful and did try to help. His information did contradict what was given previously. It seems as if they would prefer us to not pay extra to solve the problem. We understand we can only pay a little extra now, and yet do not want to be penalized for paying extra.
Consumer complaint received 2016-11-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Debt Recovery Solutions, LLC (WA)

I keep receiving notices from debt recovery solutions with harassing phone calls wanting to know my social security number and that I can be arrested. I have turned this spam fake company over several times for the same issues. This is not a debt that I owe and was part of a fraud. I lived in WA state for over 11 years and never received a debt from the company mentioned. I am again for the 5th time complaining about this company again. I do not want to see this fake debt on my credit report. Please act with aggressive behavior and ceased and decased this company to no longer sent me or call me regarding this debt
Consumer complaint received 2015-05-01
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (FL)

XXXX XXXX XXXX called to say if i paid of my debt within a certain time frame that American express would reinstate my credit card and that my credit would show an active account. They took my money and my credit report states my american express account was charged off negatively effecting my credit. They lied from the very XXXX time they called and now when i call they cant access my account and the managers are always on break.
Consumer complaint received 2015-12-07
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NV)

YOU ARE STRICTLY PROHIBITED FROM CONTACTING XXXX XXXX WITH THREATS OF INVESTIGATION, MISCONDUCT OR ACCUSATION. YOU ARE UNDER STRICT PROHIBITION FROM ANY MISCONDUCT INVOLVING XXXX XXXX ' FUNDS OR BANK ACCOUNTS. YOU MAY NEVER JEOPARDIZE XXXX XXXX ' MONEY SUPPLY, ABILITY TO EARN, PROFIT MARGIN, NET WORTH OR GROSS DOMESTIC PRODUCT. 
YOU ARE HEREBY ORDERED TO CEASE AND DESIST FROM ANY ARGUMENT OF DOUBT AS TO WHETHER ANY BANK ACCOUNT AT YOUR INSTITUTION IS WHOLLY MINE. 
YOU ARE SEVERELY PROHIBITED FROM ARGUING THAT THERE ARE NOT ENOUGH RIGHTS TO WITHDRAW FROM ANY ELECTRONIC TRANSFER TO FUND ANY ONE OF MY ACCOUNTS. YOU ARE COURT ORDERED TO ADMIT OUT LOUD THAT THE MONEY IN THESE ACCOUNTS IS LEGALLY AND RIGHTFULLY MINE AND THAT YOUR BANK MUST ACT TO ASSIST ME LIKE ANY OTHER CUSTOMER. 
YOU ARE ORDERED TO CEASE AND DESIST FROM ANY BLOCKAGE OF THE ELECTRONIC SYSTEM. 
YOU ARE HEREBY ORDERED TO CEASE AND DESIST FROM ANY OBSTRUCTION OF MY CUSTOMER SERVICE DEMANDS SO THAT YOUR EMPLOYEE DOES ACT TO HELP ME WITH EVERY REQUEST JUST AS THEY DO ANY OTHER CUSTOMER. 
YOU ARE STRICTLY PREVENTED FROM BLOCKING MY RIGHT TO WITHDRAWL. 
YOU ARE STRICTLY FORBIDDEN FROM ISSUING ANY WITHDRAWL TO A WELFARE OFFICER, POLICE AGENT OR OFFICER OF THE COURT. YOU ARE STRICTLY PREVENTED FROM EVEN MARKING MY ACCOUNTS WITH NEGATIVE INFORMATION ON THEIR REQUEST. ALL MARKINGS FROM THE BANK SHOULD REFLECT POSITIVELY ON THE PERSON. 
YOU ARE STRICTLY PROHIBITED FROM OBSTRUCTING ME FROM RECEIVING MY INTEREST CHECKS BACK IN THE MAIL ON MY CD 'S. SEND ME THE INTEREST CHECK BACK IN THE MAIL AT THE END OF EACH TERM ON EVERY SINGLE CD AT YOUR BANK. 
YOU ARE SEVERELY FORBIDDEN FROM ASSISTING ANY SURGEON IN OBSTRUCTING MY ACCOUNTS. 
YOU ARE ORDERED TO CEASE AND DESIST ANY UNLAWFUL ATTEMPTS OF FATAL DEATH THREAT, HARASSMENT OR INVESTIGATION INTO ANY MATTER WITH YOUR BANK WITHOUT FIRST CONTACTING XXXX XXXX LEGAL REPRESENTATIVE LISTED BELOW : XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2015-12-11
Product: Payday loan — 
Issue: Can't contact lender — 
Company: GVA Holdings, LLC (WI)

A company called North Cash will not stop harassing me about a supposed loan they gave someone - but not me. I 've never had ( or needed ) a loan. I 've mentioned that they need to stop contacting me and that they should abide by the Fair Debt Collection Act, which requires them to stop contacting me because clearly they gave a loan to someone who was n't me. I have spoken to the police about this, yet North Cash refuses to stop calling me on my cell phone and at my office. The XXXX people who have contacted me are very rude and no matter how many times I tell them that I 've never taken a loan, they insist I have.
Consumer complaint received 2015-09-11
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (CA)

On XXXX/XXXX/15 I deposited a check for a very large sum of money, in XXXX funds, into my checking account. The bank clerk told me the funds would be available in a week 's time. Some days later I got a letter from the bank, dated XXXX/XXXX/15, saying a small amount of the funds were available for withdrawal right away, and the remainder would be available for withdrawal XXXX/XXXX/15. Subsequently, I got another letter from Citibank saying that since these were foreign funds, the check had been sent out for collection, and the funds would be credited to my account one or two days after receipt. On XXXX/XXXX/15 I went online. The funds had not been credited. I called Citibank and in the course of XXXX/XXXX/15 and XXXX/XXXX/15 I talked to XXXX bank employees whose names I have. They would look into it. On XXXX/XXXX/15 the XXXX XXXX told me the funds would be available in " six to eight weeks, '' presumably from the date of deposit. This was unacceptable, so I went to my local Citibank in XXXX, where I had deposited the check in the first place, and talked to the branch manager, XXXX XXXX, who indicated he would do the necessary. On XXXX/XXXX/15 he told me the collection department said the funds would be available at some unspecified time, maybe in three weeks. Meanwhile, the exchange rate has continued to fluctuate, not in my favor. When we started out I believe the rate was 77 % and now it is XXXX 75 % -- these numbers might not be exact. It is possible the bank converted the money when the rate was more favorable and wishes to use a less favorable rate when they actually give me the money.
Consumer complaint received 2015-05-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: SOUTHWEST FUNDING, LP (TX)

Applied for a loan with Southwest Funding, a loan broker in XXXX, TX. The loan was quoted verbally on XXXX/XXXX/15 by XXXX XXXX as 3.25 % with total fees of {$1800.00} to be paid. This loan was XXXX option on the original GFE issued by XXXX XXXX, although the {$1800.00} in fees was higher than on the GFE. XXXX issued several subsequent GFE 's, each XXXX incorrect. As of the day of verbally being advised of loan approval, a correct GFE had not been received, however, we continued to proceed in good faith. A correct GFE was never received prior to closing. The final, incorrect, GFE, arrived via XXXX on XXXX/XXXX/15, the day of closing. Despite being advised of loan approval on Friday, XXXX XXXX and requesting both the corrected GFE and HUD statements several times between that date and our scheduled closing of XXXX/XXXX/15, they were not received in a timely manner. On XXXX/XXXX/15, the business day prior to closing, the HUD statement was received late afternoon. Upon review it was noted that again, the loan numbers were incorrect. There were origination charges and fees totaling {$4100.00}, or {$2300.00} more than quoted. A call to XXXX XXXX of Southwest Funding the morning of XXXX advised of the error and a correction requested. After reviewing with the loan processor, XXXX XXXX advised that the numbers were correct and that there were origination charges tied to this particular loan, which was not as she had verbally represented, or as had been stated on the original GFE. She also advised that we could change to another loan, but that would take a minimum of 3 days to process. As the closing was out of state and had already been delayed once, my husband and I would have to find another time to travel, incur additional expense, etc., we decided to go ahead with the closing even though the figures were incorrect and the loan was not the one that had been promised. 
Southwest Funding did refund {$470.00} which was the cost of the appraisal on the property, however, even with this refund, charges incurred were {$1800.00} more than originally quoted by Southwest Funding. 
Complaints : XXXX 's agent, XXXX XXXX did not provide the loan that was quoted, nor did she follow up with the actual lender to provide documentation in a timely manner, despite numerous requests for this documentation. 
XXXX XXXX did not provide the GFE on the loan that was purchased until the date of closing, at which point it was too late to make any corrections for their errors. 
An aside, XXXX advised that information from XXXX was sent via XXXX and e-mail, however, no e-mail was ever received from XXXX XXXX. 
I believe that both of these issues are unethical practices.
Consumer complaint received 2015-07-18
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (CA)

There are XXXX issues that is so frustrating. I have a freeze on my credit report since 2008. However, I am receiving credit cards, and loan offers from companies. The second issue is with XXXX and Experian : Each time I want to lift the freeze from my credit report temporarily I have to send a letter, copy of my ID, bills, copy of my social security card etc., despite the fact I was issued a PIN NUMBER number and I was informed that I could remove the freeze temporarily online. Finally, it is most difficult to speak to a representative over the phone regarding such matters. It is not difficult to speak to a representative for services that the consumer reporting agency is selling such as credit tracking. 

Thank you.
Consumer complaint received 2015-08-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: DOUGLAS, KNIGHT & ASSOCIATES, INC. (CO)

i was briefly employed by a XXXX company that is based out of XXXX and specializes in the third party consumer collection of subrogation debts across the country. Not only did it become obvious they were not properly licensed in the states they do business but their collection tactics were some of the most abusive and misleading I have EVER witnessed. I have been in the collection business for over twenty years. Disclosure of debts to third parties including texts and written emails, threats of drivers license suspension even when they know the debt does not qualify for that kind of action and open threats of lawsuit and wage garnishment. Just ask to see the collection records as it is all there, the texts, threats, emails, intimidation everything. there is no mini miranda or FDCP used even though they are a third party collecting debts against private individuals. When i complained they changed and reduced my hourly wage. I believe they feel that because some of the debtors were driving without insurance that nobody will care if they are misleading and abusive. Companies like this are the reason that many decent agencies are suffering from lawsuits.