davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc ()

Our company XXXX XXXX XXXX XXXX XXXX located in XXXX, China, offered the market the sale of disposable masks and KN95 to combat the Covid 19 pandemic. We made a sale to Puerto Rico of 100,000 masks and our client offered to make the payment using PayPal. We do not usually proceed with these transactions, and we always prefer it to be Wire Transfer. Our client in Puerto Rico made two payments via PayPal : USD XXXX on XX/XX/XXXX and the second payment of USD XXXX dated XX/XX/XXXX. We shipped by XXXX and XXXX and the customer received all the goods. At first, our PayPal account was blocked because, according to PayPal, there was a suspicion of some irregular transaction. We submitted all the documents to verify that the negotiations are correct and regular and after several attempts for many days, PayPal released the account. Our client has repeatedly insisted with PayPal by internal PayPal message to release the money, but until today XXXX XX/XX/XXXX XXXX, PayPal has closed all kinds of communication with us. On Friday, XX/XX/XXXX, PayPal sent our client four emails indicating that their case had been resolved and that the money had already been released to the client. In two emails, PayPal states that the two cases ( claims ) that had been opened by our client, had already been resolved and that the case was closed. PayPal immediately sent two other emails stating that the payments were sent. The XXXX XXXX Bank, which was the one who granted the credit to my client through his credit card, already collected the invoices and my client already paid it. So, PayPal does not have any debit pending with my client. On Saturday, XX/XX/XXXX, we immediately contacted PayPal to confirm the emails that had been sent to my client confirming the payments, but, no notification was sent to us, and worst of all, it was that both on Saturday XX/XX/XXXX as today XX/XX/XXXX PayPal tells us by phone that it is analyzing the case and that in 02 weeks it would give us an answer. It is inconceivable, frustrating, unacceptable, shameful and a great lack of respect that PayPal has not only with its customers, but also with the companies to whom they must allocate the money. It seems that PayPal wants to retain XXXX XXXX for its own purposes and interests and with all its extreme bureaucracy and lack of attention, we do not understand how a company of this magnitude takes these actions, without even taking care of its reputation and dignity. as a company. We need going to international institutions to be able to exercise our right as an honest Chinese company and the only thing we request is that PayPal send us the money that belongs to us.
Consumer complaint received 2019-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (IN)

After reviewing a credit report issued by you, I have found many errors. 

Specifically, these errors are in the Personal Information section. I am seriously concerned about identity fraud and feel that having inaccurate information on any credit report can become an opportunity to open me up to identity theft, which I, as a knowledgeable consumer would like to avoid. 

The following is the only address that should be listed on my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX The ONLY Information that should show on my credit report is, as follows : ( Please delete all information that does not ) : Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Indiana XXXX Previous/Past address : none Employer : XXXX
Consumer complaint received 2019-09-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (PA)

I have a personal LOC on my primary residence with Chase. The loan is variable and the interest rate changes when the prime rate changes. The rate just changed at the end of XXXX, 2019. Chase is saying that they change the rates on the LOC based on the " Published Rate '' on the last day of the month. Since the rate changed on the XXXX, it couldn't be published in the XXXX until XX/XX/2019. Because of that interpretation of their variable rate loan products, they are refusing to lower the interest that they charge to me for 12 days of XXXX. I spoke to them about this, but they are adamant in refusing to correct the charges. I have two letters from them that I attached to this complaint. The difference in the interest rate calculations is about {$200.00}, if I am correct. I believe that since the rate changed in XXXX, any interest charged in XXXX should reflect the new rate.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

MY IDENTITY WAS USE TO OBTAIN AUTO LOAN, CREDIT CARDS, BANK ACCOUNTS AND INSURANCE WITHOUT MY KNOWLEDGE SOMEONE USE MY PERSONAL INFORMATION I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-05-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MI)

In XXXX of XXXX I signed up for XXXX XXXX  to pay my mortgage to Nation Star Mr. Cooper Mortgage company. 
Six mortgage payments from XXXX of XXXX to XX/XX/XXXX were sent to Mr. Cooper. I by mistake entered the wrong mortgage account number on my XXXX XXXX  The correct For 6 months my XXXX  XXXX XXXX was sending these payments to the wrong account. 
At the same time Mr. Cooper was withdrewing the same amount every month through their auto pay and as a result of that 2 mortgage payments were moved to Mr. Cooper every month for 6 months from my XXXX account. 
When I found out 2 months ago I contacted both Mr. Cooper and XXXX  to solve this problem. They are both blaming each other. XXXX people say they have sent these payments and they were accepted by Mr. Cooper and they provided me with the proof of that these payments were accepted by Mr. Cooper. Mr. Cooper says since this account doesn't exist we rejected these payments. 
Not only that but it's taking me many hours every day to contact someone from XXXX  and Mr. Cooper trying to resolve this issue. I have spent so much time for the past 2 months talking to different representatives from both XXXX and Mr. Cooper without reaching a solution to this problem. 
If these payments were sent and accepted by Mr. Cooper and Mr. Cooper rejected them then where did these payments go? My six mortgage payments that totaled close to {$10000.00} are lost and no one seems to know what happened to these 6 payments.

I would appreciate your assistance in resolving this problem. 
Thanks
Consumer complaint received 2020-05-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

My original complaint : This is regarding my PayPal account created in my name : registered email address : XXXX XXXX account was permanently limited without reason or explanation, in violation of PayPal 's own Terms of XXXX. All they say is that my activity is somehow " suspicious '' without explaining what this means, or why they feel this way. They are putting a hold on my money for 180 days. At this time I have over {$90.00} in my account and I want my money NOW, not in XXXX months. This is my money and I should get it immediately. To me {$90.00} is a lot of money and quite a hardship that they are keeping it, especially during this pandemic. 

I already filed a complaint with the BBB and Paypal took a month to respond to me. And their response was not satisfactory. All I received is a vague explanation about why they suspended my account, but they didn't address the main issue. I want my money NOW, not in 180 days - This is my money and I should be able to access it immediately. 
Please help me. 
Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (ND)

XXXX XXXX XXXX is reporting an erroneous account on my credit reports that has been challenged to Equifax and XXXX. Both have claimed that the accounts have been verified even though the creditor has ceased to exist and has not provided the validation necessary to leave the account on my credit reports. 

XXXX XXXX XXXX & XXXX
Consumer complaint received 2020-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WAS AN ACCOUNT IS NOT MINE AND ACCOUNTS THAT WERE NEVER LATE. 

I ALSO NEED THE ACCOUNTS LISTED UNDER ACCOUNTS TO BE AMENDED TO HAVE THE LATE PAYMENT HISTORY AMENDED TO SHOW NEVER LATE OR PAID AS AGREED. 

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS. 

I HAVE SENT DISPUTE LETTERS ON XXXX BUT I DID NOT RECEIVE YOUR INVESTIGATIVE RESULTS REPORT UNTIL TO DATE. THE INVESTIGATIVE RESULTS REPORT WAS TO HAVE BEEN COMPLETED BY XXXX WHICH IS IN VIOLATION OF THE FCRA DEADLINE DATE TO RESPONSE GUIDELINES. YOUR FIRM COMMITTED A 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES.
Consumer complaint received 2020-05-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo Home Mortgage I feel due to my age, race, gender, martial status I have been discriminated against and denied a fair shake at obtaining a refinance on my mortgage. 

I was denied for the loan I requested BUT was approved for a less desirable loan by underwriting without a home appraisal. 

Ive been in touch with the mortgage broker again today asking for rates on the inferior loan they did approve me for and was told I needed to now have {$250000.00} in my account. I replied that is not a problem, there is currently {$180000.00} in cash in my Wells Fargo accounts today and the rest could be transfers over to reach the {$250000.00} minimum. I asked if he could supply me with the current rates, and was told : Unfortunately, we cant quote a rate unless the funds have already been here for a full statement cycle at least 30 days but even as long as 60. 

I feel due to my race, age, marital status, gender Wells Fargo has not given me a fair consideration especially since my previous mortgage was with them, I have a XXXX credit score, no delinquencies, and my assists are liquid. 

I recently applied for and received an interest only mortgage from another bank without any difficulties which Wells Fargo said was a very difficult loan to be approved for. 

I can supply emails etc under separate cover if needed. 

Thank you
Consumer complaint received 2020-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (TN)

Dear CFPB, I had merchandises transactions online in US has been disputed since XX/XX/2020. I asked help from PayPal Resolution Center ( PPRC ). The date reported to PPRC was XX/XX/2020. Since the first time I disputed to this seller, I did not agree that I had to return these merchandises back to XXXX, since I did not know, this seller located in XXXX and had return policy to XXXX. There was no exchange policy. The seller offered me a small discount and keep the merchandise. I don't want to keep this byproduct merchandises. This seller was a fraud by pushing customer to keep its stuff and acting as seller who located in US. I ask my money back ( {$59.00} ). Later, The PPRC instructed me to return back to XXXX even I already complained about this problem in the first place. There was no other option in PPRC final instruction. It means that if I did not return back to XXXX, I will loose total my money. This PPRC solution was bad for me as customer. The purchase protection which the PPRC advertised in their website was not working for me as their longtime member. The shipping cost to XXXX by USPS was {$43.00}. So, based on PPRC, I did not have choice, I sent back this merchandise to XXXX on XX/XX/2020 and gave the PPRC the tracking number ( XXXX ) right away. I have been checking frequently the status of this shipping on USPS website. Until now XXXX XX/XX/2020 ), the shipping is still in transit in XXXX XXXX. Suddenly, I got email from PPRC that my case is closed and I did not get the refund. I tried to contact PPRC unsuccessfully. I tried to email them back, but there was no response from PPRC. Why did PPRC close the still-in progress case?? PPRC only cared the seller. Actually PPRC did not care their member or customer. I am very disappointed. I have nothing now and I lost {$59.00} + {$43.00} ( since the merchandise still in XXXX XXXX due to PPRC stupid instruction, pushing me to send the merchandise back to XXXX. I lost {$59.00} + {$43.00}. It's not fair. Thank you. Best Regards
Consumer complaint received 2020-05-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (AZ)

On XX/XX/XXXX, I ordered from XXXX so I could receive some staples like paper towels and toilet paper. It cost XXXX. It was overpriced to start with but I at least expected to receive my items or a realistic update. 

I only received a couple of containers of toilet paper and nothing else. I look at my order online and it's back-ordered or they have run out of stock on all else I paid for already on XX/XX/XXXX. 

I have called several times for a refund to the merchant directly. They promised me a refund. However, they only issued a refund of XXXX. This is after about 5 calls including chats with Amazon Pay and messages to them plus calling the merchant. 

I am quite concerned that am not getting a straightforward answer about refunding all of my order that was not sent to me yet which would be about 200.00. No one seems to know what is going on and this is not okay even during the current circumstances. They have majorly taken advantage of me as a consumer.
Consumer complaint received 2020-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX XXXX XXXX  had submitted to Equifax and XXXX  that my mortgage is in forbearance/deferment. Under the Cares act my credit score should not have changed. However due to this remark both my Equifax and XXXX  scores dropped more than 40 points. I contacted both credit bureaus to let them know that my score should not have dropped for the remark from XXXX XXXX. Both companies have replied back to me saying that they do not agree w/ my statement.
Consumer complaint received 2020-05-23
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CarMax, Inc. (FL)

This complaint is regarding Carmax and a GAP insurance regarding an automobile which was supposedly traded in for another and resulted in theft and fraud against my person. 
The issue revolves around a XXXX XXXX XXXX, which was traded at XXXX XXXX XXXX XXXX XXXX and which was subsequently stolen by the company after they never made payments. The XXXX I had had an extensive GAP insurance which I paid into without any problem or late history and which was intact when the car was traded into what i believed was a legitimate company. When I was defrauded by XXXX XXXX XXXX XXXX XXXX, I immediately contacted anyone who would help me, including an Attorney by the name of XXXX XXXX XXXX. Who I contracted to help me get XXXX XXXX XXXX XXXX XXXX to comply with my requests, to no avail. 
During this time Carmax has reported the car as a repo/default on my consumer credit files and refuses to look into this matter. Numerous disputes have gone nowhere. 

I have and am including the contract from Carmax and the GAP insurance with specificity to the clauses which cover theft or other matters. Carmax may have forgotten that I signed for this and made my payments on time with no derogatory marks. When I need them to look into the matter nothing comes of it. 

I would ask assistance in this matter by the CFPB to help mediate the matter. To help me get Carmax to comply and conduct an actual investigation into the matter and assist me in getting this error in reporting removed from my files so I can move forward and put this terrible ordeal behind me. 

The attorney that assisted me during this time was : Mr. XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL. XXXX XXXX : XXXX
Consumer complaint received 2020-04-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: GOLDMAN SACHS BANK USA (AR)

I took out a loan with Goldman Sachs on XX/XX/20, I paid off the loan on XX/XX/20. It was for XXXX and needed an additional XXXX per the rejection letter it says that I have an existing loan and the time is too recent. When I called for additional information because the letter is not clear. No one can give me explanation and I am trying to find out. They just saying that they would escalate the issue but nobody is doing what they saying they going to do. They are saying its a system issues but the sales reps can fix. I called them the company on XX/XX/20, XX/XX/20 and XX/XX/20.
Consumer complaint received 2020-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CT)

On XX/XX/2020 I tried accessing my free credit report thru all three credit bureau 's via XXXX. I was able to successfully get the report via XXXX and XXXX. Equifax showed me verification questions that were for lack of a better word " Garbage ''. None of those applied to me so I chose None as the answer. It then said I can not get the digital report and need to submit a manual request. Upon further research via XXXX, I found that this has been a persistent problem with Equifax and folks are incensed about the experience. 

In this day and age of identity theft, I feel highly uncomfortable sending a manual and enlarged photo copy of my SSN card/any documentation that contains my unmasked SSN on it that can be stored in the company to potentially give access to nefarious people. The recent history with Equifax 's data breach has taught us they could not keep our data safe online. Why should I trust they will keep an unmasked document with my full identity and SSN on a paper copy safe? If XXXX and XXXX  can develop a software that can ask legitimate and meaningful verification questions, then Equifax should be held to the same high standard and can not be allowed to get away with the nonsense they put the consumers thru especially if this has been a known issue for over 7 years!!
Consumer complaint received 2020-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ditech Financial LLC (IL)

We had a unsecured loan for {$12000.00} with Greentree, account # XXXX which was sold or transferred to Ditech ( Companies merged ). Ditech and they said that we did not pay the last {$780.00} on the loan. We paid the full amount, but the payment was made to the original creditor Greentree before Ditech took over the loan. Ditech called and said we owed them! We did not pay them because we did not recognize nor were we notified that the loan was sold to another company. Greentree took payment and did not pass transaction onto Ditech. The blunder from Greentree and Ditech has had an adverse effect on our credit scores. The 30 day late payment as of XX/XX/XXXX has been updated to paid bringing the account to 100 % payment history BUT Ditech has failed to change the account from charge off account to paid account. The account was not a charge off account as we paid Greentree the remaining balanced owed. By Ditech reporting this account has a charge off account were are suffering due to the points our credit scores dropped and since the account was closed on XX/XX/XXXX. We need the account to be updated to a paid account so the points lost and be re-calculated by the credit bureaus. We are being denied a mortgage loan due to the inaccurate reporting of this account.
Consumer complaint received 2020-05-23
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (MO)

On XX/XX/2020 I received a phone call from XXXX from Navient I requested to speak with a manager and my request was denied after a very long wait in hold the line was disconnected after the second hold. Same day I received another phone call, this time by XXXX from Navient I verified that I was the intended party, and requested again to speak with a supervisor. I was transferred to XXXX who told me that I owed XXXX I told her what my circumstances were that didn't allow me to work currently. I told her that both schools that I attended were shut down years ago. She clarified that once the company name has been given they were unable to call back the same day. She also clarified that it is considered harrassment. I told her at that time to cease and desist she said it could only be in writing. I asked her for clarification to see if me giving a verbal cease and desist she said no. I said again that I didn't want them calling me anymore.5 minutes after I hung up with her I received a call it was XXXX from Navient I confirmed that the balance was XXXX, the same debt amount. Since XX/XX/XXXX I received phone calls every day multiple times a day with messages.