davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-16
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: ALLY FINANCIAL INC. (CA)

After searching online for a used hybrid vehicle, I found one that suited my needs and went to the auto dealer to test drive the vehicle. I expected to proceed with the process of purchasing that day with a down payment. I knew my credit score beforehand, which was rated excellent by XXXX of XXXX credit bureaus ( XXXX, XXXX ). However, upon running the credit check with the finance company, they initially declined me credit, being unable to produce a score. The reason the dealership surmised was because credit finance companies only look back at the last 7 years on a buyer 's credit report. My credit history is at least 16 years, with my last paid loan being a student loan from a year ago. The finance company wanted more down payment from me, which I increased by 33 %. They finally offered a loan, but at an interest rate of 10.1 % at 72 months. I was expecting a rate of about 4 % at 60 months. Given that my own bank had earlier declined me an auto loan as well, and given the reasons I discovered at the dealership, I took the loan, being told to refinance it after 6 months of on-time payments. What 's more, the sales representative who sold me the car said to open a few credit cards, even secured ones at first, to re-establish open credit, for which I currently have none. He said it should help in having the credit companies see how responsible I can be with credit, gauging it by my debt-to-credit ratio.
Consumer complaint received 2016-05-13
Product: Bank account or service — Cashing a check without an account
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP (CO)

In XXXX of 2015, when I opened by bank statement I found that {$38000.00} had been removed without my knowledge or permission. Since that date, I have received from USBank just over {$6000.00} in the electronic checks that were fraudulently removed but still have a balance owed to me of {$26000.00} of which no one will tell me of a potential date to be made whole. Last time I filed a complaint with cfpb I did receive a reply from USBank stating they were sorry I was unsatisfied with progress but they will continue to plug on. It has been 10 months with really no progress, or communication other than the response to the inquiry from CFPB. I wrote to the same person who wrote to me again with no response. I have called and will continue to call their fraud line for any update but none seems forthcoming. If you could once again request that they update me I would be appreciative. I look forward to some kind of progress with this loss. OR if you or USBank could suggest a way to assist in this recovery.
Consumer complaint received 2016-08-09
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

In a nut shell, I have made XXXX purchases with same merchant and had returned the product from XXXX transaction. When I got the bill, I did not recognize XXXX transaction ( {$67.00} ) and put a disputed it, Few days later I remember as a legitimate charge. I called the bank and told them to release the money. 
Since I had made a return with the same merchant, the merchant had issued a credit for that transaction. The actual disputed transaction has no relation to this credit. 
Since I disputed the transaction through the credit card, the credit card issued a credit, but when investigated, the credit card company ran into a credit that has nothing to do with the disputed transaction. This transaction has different times and reference number etc, the merchant took the position that since the merchant has issued a credit, even though a different amount, product, time, reference etc, the credit card company rebill be the credit as a charge on my account for {$67.00}. 
The credit card has not released the money to the merchant nor to the consumer but put it in their pocket where it does not belong. 
The money must be returned to merchant and given proof to consumer to follow up with merchant or return to the consumer. thanks I have called a few times but all invain.
Consumer complaint received 2016-11-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ad Astra Recovery Services Inc (TX)

I was a victim of identity theft and noticed a collection from AD ASTRA RECOVERY I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AD ASTRA RECOVERY in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2016-08-09
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (KY)

Dates from which the debs run are dates the third party collection agency purchased the debts and NOT the dates the debts became delinquent. when I contacted them they would only say " no comment ''. These erroneous dates are nearly TWO years after the original delinquencies occurred. The original creditors refused to negotiate terms for payment with me. 

The collections agency is Midland Funding LLC on two debts, one from " XXXX ''. and XXXX from " XXXX '' on both XXXX and XXXX.
Consumer complaint received 2016-11-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (TX)

On XXXX/XXXX/2016, my chase online bank account access was suspended for no apparent reason. The bank personnel on the phone said that the external account to make the opening deposit does not seem legit so please go to the branch and make the deposit. I took XXXX forms of ID into the bank and made my deposit and now they are telling me that they will close my account today. They do n't do this to other patrons but since I am XXXX XXXX they are giving me a hard time about my account and I feel that this is bank discrimination.
Consumer complaint received 2016-11-03
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: WELLS FARGO & COMPANY (FL)

I have a credit card with wells Fargo bank. I have been having a little trouble paying as have lost my husband as well as loss of income, but retained the debt of 2 people. Have written several letters asking for the opportunity of a discounted pay-off.Only to be told that they do not do anything in writing. I truly did not know that. So they proceeded to pull a dollar amount from my checking account.leaving it overdrawn and leaving me with overdraft fees. Only to inform me they did not charge it off expecting more XXXX
Consumer complaint received 2017-01-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX, XXXX XXXX XXXX Dear CFPB Representative, On XX/XX/XXXX, I discovered Creditor, XXXX ( XXXX XXXX Credit Card ), and TranUnion have violated my rights as it relates to the Fair Reporting Credit Act ( FRCA ). The Creditor and TranUnion re-inserted the below previously deleted items without notifying me within 5 days that the items would be re-inserted in my credit files.. Under the Fair Reporting Credit Act, the Creditor and Credit Agencies are required to notify me within 5 days of re-inserting the previously deleted items. 

Agency Creditor Account TransUnion XXXX ( XXXX Credit Card ) Item Status : Item latest removal was on XX/XX/XXXX. Latest reporting showing item re-inserted XX/XX/XXXX and after the FCRA period of expiration and with inaccurate information. 
As of discovered today, all items were re-inserted in on my credit file without me being notified within 5 days of the re-insertion and after the item FCRA 's reporting periods have expired. 
Please assist in resolving this matter quickly and having the credit agencies delete the negative information immediately. 
Sincerely, XXXX XXXX
Consumer complaint received 2016-11-04
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC. (LA)

I received notification on from an attorney on XXXX/XXXX/2016 that my home is in active foreclosure. I contacted PennyMac to work out a payment plan which I had done previously in XXXX but was denied. I was told over the phone that I qualified for the repayment plan, and would be contacted by a representative. I was contacted by XXXX who 's manager is XXXX XXXX on XXXX/XXXX/2016, to start the process of working out the repayment plan. I was also told that foreclosure fees had to be requested from the attorney before this could start. It is now two weeks later and still no foreclosure fees. I do n't feel it is fair that I have time ticking against me, and it is not my fault. The letter from the attorney says I have 30 days to respond this is taking from the 30 days. I feel the foreclosure should stop while you request this sort of stuff. In addition I asked if I should make a payment on XXXX/XXXX/2016, and was told yes go ahead and make a payment so you can reduce the total amount due in your mortgage. Then when I called on XXXX/XXXX/2016 to report I made a payment of {$2800.00} which is two whole months, she said it may not be applied to the account. Why would you tell me to pay and it not be applied. Is this company trying to make me loose my home? I need this foreclosure to stop and be given the amount to reinstate my mortgage ASAP.
Consumer complaint received 2016-11-20
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Paypal Holdings, Inc (LA)

I am another victim of the paypal scandal that has been hovering over XXXX. Products that are sold from supplier 's that do business from XXXX are not good for business with their sub standart materials and craftsmanship. When problems arise paypal is always on their side with ruling of defective products. 

I 'm filing this complaint against Pay Pal for their bises practice.
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MA)

I had a financial aid back in 2013 which I thought was financial aid. I have this company called Navient saying I owe XXXX for a loan that was supposed to be financial aid. I have told them I can not repay because I do n't have a living wage so they put me on a forbarance plan so I have 2 months where I dont have to pay but the interest keeps growing! ~~ I feel I am a victim of a scam!!!! I found out on the news that this company has a lawsuit against them!!!! Please can you help me so I am not another victim!!!!
Consumer complaint received 2016-05-13
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

XX/XX/2015 close to 8 months ago I began a mortgage Modification with Select Portfolio Servicing my current mortgage servicer. Early last my XXXX had a major set back when I lost my XXXX. Since beginning the process I have seen first-hand incompetence and miscommunication. As of this date my home has been appraised 3 times with each value thousands of dollars different from the one before, I have had values of $ XXXX, XXXX, and XXXX. Right now I owe {$470000.00} on the house. Since this night mare began I have submitted dozens of paystubs, and bank statements as well as any other documents that have been requested. I have spent hours on the phone talking with one representative after another and very seldom receiving the same information. At first I chalked this up to an over worked staff but as month after month has passed I came to the conclusion that no one business could be run so poorly, this had to be done purposely in order to tack on more fees to the back of the loan. In order to avoid any further issues at least with a pending foreclosure I began to pay 3 months ago on what was described as a streamlined modification which according to one rep was given to me by the Federal Government with out income verification but this would not affect the modification that I have in process. Even this was a point of contention in that I was originally told that if I began to pay I would be accepting this agreement which is saving me less than {$100.00}. and that the modification that I have been working on for the last 8 months we be voided. I am thankful that every conversation that I have had has been recorded I encourage the investigator to listen to these tapes and hear for themselves the misinformation that is given. I have been bombarded by dozens of letters which I receive daily asking for information then acknowledging that it was received and then asking for the same document again. I know that as part of this complaint that you will ask for documentation. I have well over XXXX XXXX pages that I will not burden you with. I am sending over the XXXX appraisals as well as a document request letter and a staement.
Consumer complaint received 2016-10-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I have a deed of trust been service by XXXX and the investor XXXX XXXX around XXXX 2016 XXXX informed me the deed of trust it will be transfer to Nationstar Mortgage, This suddenly transferring of the Service it sounds to me a bit strange. When I started to ask XXXX for the XXXX payments I did on the deed of trust did n't reflect the correct balance. So I did send A QWR to XXXX Mortgage and Nationstar Mortgage dated as XXXX XXXX 2016 thru XXXX mail, XXXX answered it partially However Nationstar advised me on a letter they will have a full Answer by XXXX XXXX 2016.However up to date I have n't received anything on regards which it makes Nationstart Mortgage violated under RESPA due to the servicer 's noncompliance I 'm entitle to damages not to exceed {$2000.00}. I received instead from Nationstar Mortgage an Monthly Payment statement for the Month of XXXX demanding payments for XXXX and XXXX 2016, I called Nationstart I spoke with a Supervisor name XXXX employer id XXXX I asked her about this How come Nationstar Mortgage does n't answer my QWR and instead after the deed of trust got transferred from XXXX to them " You are demanding payment I was not aware for the month of XXXX 2016 '' .She could n't answer me. I made aware her to note it my account I will make payment for the month of XXXX forward which I did it also I will make for the month of XXXX which I already made.However NationStar have chose to keep ignoring my QWR and instead they sent me XXXX letters XXXX from XXXX XXXX and another XXXX from XXXX XXXX thru certified mail demanding payment for the month of XXXX and XXXX called Nationstar Mortgage I demanded to speak with a Manager on this matter I spoke with XXXX XXXX whom asked me to have payment proof for the month of XXXX 2016, I told him first Nationstar Mortgage need to answer my QWR and its already violating for non compliance and I been owed by them {$2000.00} also I told him he needs to put a note on my account I would report this matter to the CFPB and I would add another violations done by this Alleged servicer as Unjust Enrichment, Assigning themselves the title of Servicer, '' servicing the deed of Trust instead to be assigned by the investor XXXX XXXX. 
I have to noted for the record I 'm attaching an email received from XXXX XXXX the investor as XXXX XXXX 2016 showing XXXX XXXX as my current Servicer and not as Nationstar Mortgage has been stated on the letters before Affirming they are the Current servicer on this deed of trust having these type of contradictory documents I can assume I been mislead and fraud on this deed of Trust by XXXX XXXX and Nationstart Mortgage. I would like to have a US Regulator to look into my matter and to stop any late charges or report of any credit on this deed of trust to credit the agencies until it gets clear.
Consumer complaint received 2016-04-15
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A. (MN)

refinanced my house and ended up with flagstar Bank who let me ins. policy lapse and put forced placed ins. on which increased our payment over XXXX dollars a month, fell 2 payments behind, called and made arrangements and they refused to accept our payment.got attorney general involved and they sold our house at sheriffs sale behind our back.i wentr to a HUD approved housing counselor and the mortgage company refused to speak with them because the call was being recorded got .HUD involved and they said mortgage company had to rescind sale and do loan modification, they rescinded sale and turned around and started foreclosure again, mortgage company said go and apply for loan modification and their lawyers took us to court for eviction i called mortgage and they said sorry you should have never been told you could do a loan modification. I have the letter they sent and the application and they still refused to help us save our home. I do not understand how it is they can get away with this. we were in the middle of a loan modification process when they did this!
Consumer complaint received 2016-11-05
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Paypal Holdings, Inc (CT)

Paypal Credit claims to have offered numerous payment plans/settlement offers to me. I am only aware of one settlement offer of XXXX and a few payment plans which do not include a settlement. These plans are not agreeable as they do not settle a portion of the balance, which is fraud. I attempted to take advantage of the settlement offer of XXXX, however, Paypal collection reps lie, do not cooperate, hang up the phone. One rep lied about a cease and desist order on the account, stated she could not discuss the account with me. At the time, a payment arrangement was offered and attempted to take advantage of it. However, the rep lied stating there is a cease and desist so she did not have to discuss the account and could then go home at XXXX EST. That call was made shortly before closing time, Paypal reps like to do anything they can in order to go home at close time. I can confirm she lied because I did not in fact place any cease and desist on the account, there was not mention of it prior or subsequently, this confirms the rep lied. Another rep breathed into the phone, then hung up after I said hello several times before closing time, around XXXX EST. They also lie stating payment arrangements/plans are all expired at time of call. The last reps I spoke with, XXXX names XXXX, stated he wanted XXXX a month for six months and would accept settlement amount of XXXX. However, I can not afford XXXX a month or XXXX, another amount offered to me. Paypal Credit does not take into consideration some fraud charges to an XXXX for jewelry which run into the thousands. I think XXXX is a reasonable settlement but again, can not afford XXXX or XXXX a month. If I could afford such a high amount then account would not be past due, Paypal and its reps are also asinine among other things previously mentioned. They claim to have offered numerous plans prior, but lie about them saying they are expired and do not offer any settlement. Their mail has been returned as I have moved and will not give them my new address, they have no need for it, considering how uncooperative they are/unprofessional. In closing, please advise them I will accept offer of XXXX but can only afford XXXX month.
Consumer complaint received 2017-03-24
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (AZ)

I sent a check to Santander Consumer USA Inc . It was returned to me because they say the check was damaged. However, if you look at the copy of the envelope they scanned and provided to me, it was not damaged. 

The check literally was cut with scissors to remove the number XXXX in my checking account number ; tape was applied. They sent it back saying my check was damaged.
Consumer complaint received 2016-12-12
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC (CA)

I notified Wilshire Consumer Credit that in XX/XX/XXXX that I was experiencing a hardship. Account number is XXXX. Instead of the normal monthly payment, I would be able to pay $ XXXX for XXXX to XXXX months and that I could resume full payments of {$750.00} in XX/XX/XXXX. This is fully documented. XXXX even executed a skip-a-payment in XX/XX/XXXX to assist. During a phone call today during which I notified I would be making payment earlier than normal ( this Friday the XXXX ), and for {$600.00}, the rep indicated the car has been sent for reposition. This is completely in unacceptable considering what is documented and offered. I pay this bill every month.
Consumer complaint received 2016-08-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RoundPoint Mortgage Servicing LLC (NJ)

I started the modification process with roundpoint, they are giving me the run run around for the longest time first they give me a one year trial after making my fith payment they disqualified me because the allegedly did not received one of my payments know every week they send a missing items letter with something different every time. I really need resolution my wife is going through XXXX and I 'm sick XXXX. Please help me! My name is XXXX XXXX loan # XXXX
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.