davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-27
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (NV)

I have a paypal credit account, which used to be linked to my Paypal Account, that I use for my business. Unfortunately, several months ago, my credit account through paypal was canceled, because I was n't pulling up my statements from my email, but rather, was logging in directly through my paypal account. When I tried to reinstate my account, the customer service agent asked me verification questions, and in one of the questions, she referenced XXXX streets, which were cross streets at an address that I had lived at 12 years prior. Since I gave the wrong answer, I had to fax information to them. I have no access to a fax machine, and they would not accept an email. 

Since then, my paypal credit account has been canceled, and each month I have had no issues in paying the minimum payment, until now. Now, Paypal has rejected SEVERAL payments from me, which I have been trying to pay since the day before the due date. They will not accept money directly from my paypal account, nor will they accept money from my bank. I want this to be taken care of electronically, with the payment of {$25.00} taken from my paypal account, and put into my paypal credit account. No one can tell me what is going on, and it makes no sense that they are not allowing me the access to pay my bills on time, through their system.
Consumer complaint received 2016-12-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc. (IL)

I had to paid XXXX XXXX XXXX and open a new account I had a {$57.00} balance on my account with XXXX XXXX XXXX ; I had XXXX XXXX XXXX for about two years ago. I had stopped the service for a while and then started back up, but they said I needed to pay the {$57.00}. I paid it directly to XXXX XXXX XXXX, but I was still getting notices from I.C. System Inc. saying that I owed this amount. This information was removed from XXXX, but not from XXXX.
Consumer complaint received 2016-02-29
Product: Credit card — 
Issue: Transaction issue — 
Company: Paypal Holdings, Inc (CA)

: RE : # XXXX Purchased through my PayPal creidt card I purchased these tickets on XXXX XXXX, 2016 It will be 2 months on XXXX XXXX, That I have not received the goods paid for. 

I have contacted the vivid seats through email and they have stated, they do not have any information on when or if this magic men show is going to take place, I find this to be a fraudulent transaction as I have paid in advance close to XXXX for these tickets and I have not gotten what I 've paid for, I have escalated this claim and have been going in circles with vivid seats as well as paypal. and am totally satisfied with the service I have received on both side. Since paypal lis a master card, I am requesting a charge back for this purchase. and I am also going contact an attorney or even the consume affairs department to file a claim. I trust you can see my frustration with regards to this, I hope that you will resolve this matter and keep my business other wise I will go ahead and proceed with the consume affairs board. 
regards XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX paypal Customer
Consumer complaint received 2017-02-02
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (CA)

Sold a XXXX XXXX gift card ( {$380.00} balance ) on eBay on XXXX/XXXX/XXXX. Buyer paid through online payment service PayPal XXXX. 

A few days later the buyer claims that purchase was " unauthorized '' even though the gift card was used ( balance now ZERO ). Buyer filed claim with eBay and case was closed in my favor less than 1 day after I submitted proper documents to reflect that the gift card was indeed used. Initially PayPal had the hold on my account for the transaction amount but released the funds once eBay closed the buyer 's dispute case. 

Nearly three months ( XXXX/XXXX/XXXX ) later the buyer decided to open a dispute with PayPal claiming the same " unauthorized '' purchase nonsense. Basically the buyer is stating that BOTH his eBay account and his PayPal account were hacked at the same time on the same day for the same transaction. 

I submitted the exact same proof/documents to PayPal as I had to eBay 3 months earlier with proof showing that the buyer received the gift card and evidence ( copy of XXXX XXXX purchase receipt showing when and where the gift card was used in store ). Without any valid reason, PayPal decided to side with the buyer and his financial institute, for no justified reason other than not wanting to go against the banks which PayPal would not exist without. 

PayPal is notorious for siding with the buyer in almost every single case of this nature. Basically I was out of the gift card ( already been used ) and the buyer was returned his money. This is completely unjust and unfair and I have filed complaints with the BBB and the Nebraska Attorney General ( where PayPal operates business from ).
Consumer complaint received 2015-10-06
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (OH)

Synchrony Bank sent me a letter saying they decided to pull my credit report randomly and closed my account with them without my authorization. My account was in good standing with them and was paid off in full a few months ago. I spoke to a supervisor over the phone and she was very rude and stated that they have the right to pull my credit report at any time, how ever many times they want to and they can close my account even if my account it paid off and I have a good standing with them.
Consumer complaint received 2017-03-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: SYNCHRONY FINANCIAL (NC)

In summary : I have an issue with a JCPenney transaction from XX/XX/XXXX that has negatively affected my credit. It is a valid transaction but I never received a bill. I am requesting that it be expunged from all XXXX creidt bureaus. 
I purchased an item in XX/XX/XXXX for about {$35.00} at JCPenney but did not have my JCP credit card. They looked it up and posted it on an old JCP card that we no longer had, instead of the current one. Since we had n't used it for over 6 years and two household moves, we never received the bill nor any follow-on statements. I first I discovered the transaction when I found it on my annual credit report review about a year later in XX/XX/XXXX. At that time it was negatively affecting my credit score and I thought it was fraud since I did not have the card or the account it was referencing ( plus it had an incorrect name as XXXX XXXX instead of XXXX XXXX ). I tried to have it removed for several months as fraud, speaking with and sending letters to both JCPenney and Synchrony Bank ( who processes their card ). In XX/XX/XXXX, I determined it must have been legitimate based on the location and time of purchase which was disclosed to me at that time by Synchrony Bank. lt was in our home town in Ohio and we were there at the time. I paid the amount they indicated ( with fees at {$53.00} ) on XX/XX/XXXX and confirmation number XXXX. I was told to wait 2-3 weeks and then dispute the charge through each of the XXXX credit bureaus so that JCP/Synchrony would erase it with notification back to those bureaus. In late XX/XX/XXXX, I talked with each of the bureaus ( XXXX, XXXX and XXXX ) and each entered a dispute back to JCP/Synchrony. I have heard back from XXXX of the XXXX Bureaus indicating that JCP/Sychrony felt the transaction was valid, paid and nothing more would be done. 
This is unacceptable. I have had excellent credit for 50 years. I have no other negative marks on my credit, having XXXX-XXXX mortgages over the yearts and currently holding XXXX bank credit cards and XXXX-XXXX retail credit cards. This will negatively affect my credit for at least another 5 years. I need your help to erase this transaction information from my credit reports. I could not pay the bill since I never received a bill back in XX/XX/XXXX since the retail clerk posted it to the wrong account.
Consumer complaint received 2015-12-24
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (FL)

They continue to call 20 or more times a day from XXXX different numbers. XXXX XXXX this is not the credit card company TJMAXX, there is no debt that is deliquent, but they continue to call non stop. Calls are from TJX rewards.
Consumer complaint received 2015-07-16
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (NY)

I have XXXX credit cards XXXX was Walmart and the other is Old Navy credit card. My credit was fine until Synchrony bank took it over. They lowered my credit line to XXXX dollars above my credit limit for both cards.This to me is entrapment for bad credit reporting. this bank has created hardship for easy payment system on the internet. I had refuse to do automated payment with them because they take unauthorized payments from your bank account. their customer service is atrocious and rude. this bank is creating more debt for me because of the interest fees, late payments, over-limit charges and they hold onto your payments for at least 2 days after you have confirmation. this allows them to late charge you also.
Consumer complaint received 2016-03-09
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL (FL)

This account was originally a JC Penney credit card that was opened in XX/XX/XXXX. Because of financial problems at the time I was unable to payoff the balance of {$75.00} at which time GE Capitol assumed the debt and adding additional fees. I do n't know how or why XXXX XXXX assumed the debt and they are claiming the account was opened in XX/XX/XXXX. This original debt with JC Penny is well over 7 years old but it still appears on my credit report.
Consumer complaint received 2016-12-11
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (CA)

I was fraudulently charged on my XXXX card. XXXX reversed the charge. The provider, XXXX, converted the XXXX to Barclaycard. Several months after the reversal, Barclaycard added the fraudulent charge back to my account. I provided them with evidence that the charge was fraudulent, but they left it on my card anyway. They did not provide any invoice or receipt from the merchant to support the fraudulent charge. The only business I conducted with the merchant was paid by checks, NOT by credit card. I provided the invoice from the merchant and copies of the checks that paid the invoice. 

The credit card company claims there was some other charge by the merchant, but the charge to my credit card was fraudulent, as XXXX confirmed when they reversed the charge! There is no other invoice or any other service provided by the merchant that would justify charging my card. 

I have attempted to contact the merchant numerous times over the past several months to no avail. Barclaycard has not addressed any of the issues with their response and seem to be just intent on keeping my money for this fraudulent charge.
Consumer complaint received 2016-08-31
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (GA)

I open a Furniture account with Rooms To Go and paid off. 
I bought some furniture again but Rooms To Go switched the address my payment is to be sent without informing. Meanwhile I made a {$62.00} payment to the account that I had. Rooms To Called me to say they not receive my payment. I made another Payment the same day. Two days later Rooms to Go send me the over-payment of {$62.00}. They charged {$37.00} for late payment. Again I made a {$220.00} payment to the new address provided by Rooms to Go. At the same Time I made {$100.00} to XXXX with the XXXX Bank that Rooms To Go now use. They continue to call me that I did not pay them. Even though they got my payment. They have reported to the Credit Bureau that I am late in paying. But I am not.
Consumer complaint received 2016-12-08
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: SYNCHRONY FINANCIAL (DC)

I was shopping inside a mall and my wallet was stolen out of my purse. Everything was inside my social security card and my non drivers license. Now that I am looking at my credit report I see this on here and I 'm confused because I 've never applied for this credit line. I want to figure out a way to dispute this charge.
Consumer complaint received 2022-01-04
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (AZ)

On XX/XX/XXXX I paid off lease account number XXXX in full to purchase a XXXX XXXX XXXX on XXXX website and I faxed over mileage odometer statement. I spoke to XXXX at Hyundai Finance XXXX on XX/XX/XXXX and she told me payment was received on XX/XX/XXXX and title should be mailed out on XX/XX/XXXX. I have since been talking with XXXX  Hyundai in XXXX where I originally leased vehicle to XXXX in Finance department XXXX regarding title that was lost in XXXX and duplicate registration fees of {$260.00} that are owed to me that paperwork was never returned to DMV before she started working at Hyundai. XXXX said she submitted application for duplicate registration fees and is about to submit title paperwork.
Consumer complaint received 2016-12-10
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Conn's, Inc. (CO)

I am behind on a payment with Conn 's XXXX XXXX and they violated my privacy by going around me and contacting my parent 's house in another city. I have not lived with my parents for 18 years, never have lived in the house they live in or EVER used the phone number that Conn 's called. The completely violated my private credit account. They NEVER had permission to use the phone number for my parents house and they left a message asking for me to contact Conn 's. Now my parents know that I am behind on a payment, they are now contacting me asking me what is going on and why they received this phone call. Now I have worried parents and there is an issue in our family because they want to know what is going on.The supervisor at Conn 's tried to explain to me that this is ok because they had that number as a reference. I know that they are not allowed to contact a number that is listed as a reference about my account and that by even calling the number and especially by leaving a message, that is a direct violation of my privacy. This is MY private account, no one else is on the account so NO ONE else should EVER be contacted about it.
Consumer complaint received 2016-11-30
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (OR)

I signed up for the Amazon.com store card, as it offered an interest-free special financing deal for 12 months, which seemed like a smart way to make an investment in new tools for the business. 

I made the purchases over time time period XX/XX/XXXX. I then received a bill over the XXXX Holiday, over which I was out of town and then slammed working 12 hour days. When I finally had a moment to check bills, I saw that Amazon had issued a bill that somehow had a due date of XX/XX/2016 -- less than 30 days after the purchase was made, giving nearly no time to pay the bill before the account went delinquent, a late fee was charged, the special financing turned into penalty financing, and collections agents began calling me. 

To me, that is a predatory lending practice that utterly violates the 30-day rule on credit card billing for consumer purposes in the United States. I will be closing this account and never doing business with Synchrony Bank / Amazon again. 

However, I would also like the CFPB to look into this case very closely, as I believe this may be a predatory lending institution out to fleece larger numbers of unsuspecting Amazon customers, with no intent of ever sticking to fair and honorable business practices.
Consumer complaint received 2017-01-26
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (GA)

I apply for a credit card in XX/XX/XXXX with Synchrony Bank and was told in a letter that I was approved. I have used the card on and off and always made on time payments, I pay off my card and as soon as I paid off my card they sent me a letter on XX/XX/XXXX stated that they were closing my account due to the things that were on my credit. However, when they pulled my credit it was where it needs to be to get approve, four months later they telling me that they are closing my account due to the things on my credit. I really think they closed my account because I paid off my balance and stopped using it.
Consumer complaint received 2015-09-06
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: DISCOVER BANK (FL)

On XXXX XXXX, 2015 at XXXX, I sent a request to Discover Bank to transfer {$500.00} from my XXXX XXXX XXXX account to my Discover Bank account. The purpose of the transfer was to cover a checks that I had made, they sent an acknowledgement of XXXX. Discover Bank sent me an acknowledgement see exhibit XXXX. 
On XXXX XXXX, I received a notice from Discover that the transfer was completed on XXXX XXXX, In the notice they made no mention that the funds would not be available. See exhibit XXXX. 
On XXXX XXXX, they sent me a notice that they returned my check for XXXX due toinsufficient funds. 
I called them and they state they reserve the right to wait up to 5 business days for the funds to clear. It took XXXX calls and over XXXX hours of time discussing the concerns of insufficient notice. 
My concerns are this. 
1. In the XXXX XXXX email, they stated nothing with regard to their funds availability policy. Therefore, from that email, how would i know that they would they would not be making the funds available from the {$500.00} deposit requested on XXXX XXXX? 
2. On anACH transfer why would any financial institution take 5 days to clear a transaction?
Consumer complaint received 2017-01-28
Product: Credit card — 
Issue: Transaction issue — 
Company: DISCOVER BANK (VA)

I did not authorize Discover to debit my mother 's bank account for {$100.00}. Discover said that I did. They put through a payment for {$100.00} and caused my mother 's bank account to bounce and now they will not reverse the transaction and pay the XXXX bounce fees that are on my mother 's bank account.
Consumer complaint received 2015-10-30
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (TN)

I want XXXX XXXX XXXX XXXX firm ( claim to represent Discover Bank ) to drop the lawsuit and dismiss the Plaintiff 's Motion For Summary Judgment against me ( defendant ) and compensate me for over XXXX harassing cell phone calls and a letter of harassment. 
XXXX XXXX XXXX Debt Buyer/Collection Agency/Law Firm ( not the original owner ( Discover Bank sold the debt to XXXX XXXX XXXX ) filed suit against me XXXX XXXX, 2013 without properly notifying me of the lawsuit. Communication tactics after initial dispute and cease cell phone communications. False Statements or representation. Taking and threatening to take an illegal action. Attempting to seize property. Payment Protection Plan ( insurance ) suppose to pay for billed charges on the Discover Card charges due to my illness, vehicle injuries, and unforeseen financial difficulties.
Consumer complaint received 2016-09-08
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: Coastal Credit, LLC (DE)

Coastal Credit filed a judgement against me for an auto debt. This debt was settled in full six months ago. They left a residual balance that they apologized for and removed in XXXX. I have spent several months trying to get Coastal Credit to release this judgement and send me documentation. Each time a different person claims they are doing it and it never comes.
Consumer complaint received 2015-12-04
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (NC)

XXXX XXXX, 2015 I reserved XXXX seats on XXXX flight to New York through XXXX. for {$1100.00}. XXXX XXXX declined the charge without notification to me to approve the charge. 10 hrs later my card was declined so I called to find out master card had put a hold on my card suspecting fraud at XXXX. At XXXX I called them to find out they had put a hold on my card and said they would then approve the charge. Assuming all was well I went about my business. But the next day I decided to be sure the flights were paid for to find out I had to use that day cost of flights and it was {$240.00} more. XXXX lied on their records that they had tried to call me. I called them 10 hrs. later and I am on a fraud call list. I want master card to honor their costing me {$240.00} more. Per their notes they lied about calling my cell or texting as they have read me the notes. I want justice now
Consumer complaint received 2017-02-15
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CASHCALL, INC. (MO)

I called an requested a payoff and sent payment on the date the payoff was requested. Then an attempt was made to draft my account for an additional {$290.00}. I called and they said the payoff was only good for that date and that my payment was not made on that date. So they tried to charge me a return check fee and said I owed another {$48.00} in unpaid fees. So they are charging me {$350.00}. I requested a 10 day payoff so I am sure this would be paid in full so I would not have any problems with my bank but wanted to file this complaint because the letter they sent me indicates they could charge me again. The 10 day payoff is for {$370.00}. I am going to pay {$380.00}.
Consumer complaint received 2015-10-19
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: CASHCALL, INC. (OH)

Cashcall continues to call us on a debt that 's been paid. We have paid the principle and in addition to the interest in total amount exceeding XXXX dollars. We filed a complaint with the Ohio XXXX Office on XXXX/XXXX/2015 stating that Cashcall was harassing us for a debt that was paid in full in accordance to the state laws of Ohio. The XXXX representative stated that Cashcall and any associated entity was not licensed in Ohio therefore illegal. After further investigation we XXXX that Ohio was added to the current lawsuit submit by CFPB. Also the following surrounding states have filed lawsuits against Cashcall Indiana, West Virginia and Michigan for the same illegal tact 's. Each state mention in the prior statement won their legal cases against Cashcall. Simply put we 're tired of the harassment from this illegal loan company. We received several calls from them again on XXXX/XXXX/14 starting @ XXXX XXXX. 

Original Lender : XXXX XXXX XXXX, XXXXurrent website : XXXX : XXXX? XXXX : Ohio is n't listed as a State that can borrow money. 

Please note the following law code from the state of Ohio. 

Ohio, which voids loans of {$5000.00} or less that are made without a license, and the lender has no right to collect, receive, or retain any principal, interest, or charges on such loans, Ohio XXXX 
XXXX.