davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (CA)

I contacted the company that issued the debt to CMRE and they said they would contact CMRE to remove the debt owed, since it was off the books. However, CMRE still has not removed the debt from my credit report, thus financially hindering my credit abilities and is in violation of the fair credit reporting act. CMRE fails to return any of my phone calls or acknowledge my attorney 's letters. XXXX Adverse Accounts still remain on my credit report from CMRE Financial.
Consumer complaint received 2015-05-19
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (UT)

I occasionally sell items on eBay and use PayPal to collect payments. I depend on PayPal who has the relationship with the purchaser to tell me when they have received funds and it is safe for me to send out the item they purchased on eBay. I happened to have sold a 1-year subscription to XXXX XXXX that was paid for through PayPal. PayPal/eBay sent me the notification that I was okay to provide the buyer with what they had purchased. It happened to be an electronic key that I provided to the buyer through Ebays messaging service. PayPal came back to me saying they payment was returned by the purchasers bank and that it is not covered by their Payment Protection. So ultimately PayPal received payment, told me it was safe to deliver the product, payment was returned by the bank, and I am liable for the full amount. So I am out the {$57.00} that I should have earned by selling the product as well as fees I had to pay to eBay which is roughly 10 % of the purchase price. The customer used the product, and I paid for it. It was likely a fraudlant transaction from the beginning but Ebay and PayPal allowed it to happen.
Consumer complaint received 2015-05-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disputed my account showing late pays - the account has been paid off and the late days that were reported were suppose to be removed due to an agreement I made with XXXX in exchange for paying the account off. I also do not agree with the 4 late pays that are shown on all XXXX of my reports. I have asked for documentation and that has not been provided. the account is paid and closed- I would like the late fees removed as agreed per telephone conversation-XXXX- ACCT #
Consumer complaint received 2015-05-19
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (NY)

In applying to XXXX University for a XXXX, I was required to pay a application fee ; the website used for that fee required a PayPal transaction to take place. Already having an account with PayPal, I logged in an updated my information. When I went to pay with my card that was linked to my PayPal account, I was taken through a series of forms that did not inquire about my credit card. I tried exiting what I was doing, as it was confusing to me. Going back to the main menu, I started over again and attempted to submit the payment, which was {$55.00}. It went through, and I realized that it went through as PayPal Credit, not a charge to my credit card that was linked to PayPal. Assuming at that point, it would deduct the amount from my linked credit card/bank account, I left my PayPal account alone. Two months later, I discovered I had a late fee charge of {$25.00} and also an interest charge, in addition to the {$55.00} charge to the new account that I never authorized. I am aware that CFPB is in litigation over the matter and very pleased that these practices are being condemned. I do not know if there are other ways to protect against such schemes. In any case, PayPal will not have my business, nor any other friends or family members, if I can help it.
Consumer complaint received 2015-05-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Completed Chapter XXXX bankruptcy in XXXX. Mortgage company contacted us in XXXX XXXX via mail to notify us that they are foreclosing on our home due to not receiving a payment from XXXX XXXX ( during our XXXX ). The payment in dispute was a check that was cashed by a previous mortgage company and right before the new mortgage company acquired the loan. The mortgage company was given a complete list of all payments that were made by the trustee with a XXXX owed balance at the time of discharge. In addition to this ledger, the mortgage company was supplied a copy of the cashed check that proves they cashed the check for the month they are disputing was never received. I have also provided them with a copy of the discharged bankruptcy that states they, as debt collectors, authorized us to be discharged and that there was no outstanding debt at the time of discharge. It is now 4 months later and the mortgage company has not resolved the issue. We were in the middle of selling this home and in the process of purchasing a new home. We have now had to take the home off the market, lost the opportunity to buy a new house, and have damaged credit. Even with all the evidence, the mortgage company continues to argue that they need more time to evaluate the loan documents. I am in jeopardy of losing a job offer because my credit history states I am " late '' since XXXX when I have provided proof that I have not been late since we entered into this bankruptcy and have never been late in submitting payments when we started making them on our own again. I literally call every single day and have been told since XXXX that they need an additional XXXX more days to review. The manager will not call me back, the supervisor says he 's " done all I can do '' and we are forced to lose the chance of selling our property, buying a new home, and ca n't even rent if we wanted to.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2015-05-19
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have a XXXX savings account at Bank of America. They charge me a fee of {$2.00} every month. I have raised three tickets asking them for an explanation but they do not bother to respond. First ticket XXXX was raised on on XXXX XXXX, second ticket XXXX on XXXX, and third ticket XXXX on XXXX. They just close the tickets in their system as 'resolved ' without bothering to respond. My questions to them are - where did I authorize you to deduct this fee every month? For how long are you going to deduct them? How can I avoid this fee?
Consumer complaint received 2015-05-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

Mortgagee passed away and trustee took over the the trust in which the property was titled. Property was then sold and awaiting closing. XXXX was the original mortgager and was notified in writing of the situation. Before property was closed, XXXX sold the loan to Seterus. When Seterus was called for a payoff so that property could close, they said it was being processed and would not give a payoff for at least 10 days. This all happened the day prior to closing. Now Seterus refuses to provide a pay-off so property can close, which is causing undue expense and hardship to the buyer.
Consumer complaint received 2015-05-19
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Mobiloans, LLC (PA)

I had a payday loan with Mobil Loans for a few years. Recently was informed by them that they no longer could make loans in Pennsylvania. So, I paid off my loan with them but they are still charging me fees. My last balance was {$61.00} which I paid on XXXX. Now they are charging me {$8.00} in fees for a loan that is paid in full. Recently I checked on line and they have added another {$8.00} in fees stating that I now owe {$17.00} for a loan that has been paid in full.
Consumer complaint received 2015-05-19
Product: Credit card — 
Issue: Other — 
Company: TD BANK US HOLDING COMPANY (CA)

I paid the statement balance on my Target Visa card in full on XXXX XXXX, three days before the due date, and the transaction posted to my bank account at XXXX XXXX the same day. The funds were taken from my bank account and my credit card showed 'XXXX ' balance. 
Last week I found out that some automatic payments were declined so I checked my credit card online and it still showed a XXXX balance on XXXX XXXX. 
I called the credit card company today to find out that my payment was still on hold and had not been posted to my account so my available credit was XXXX! The rep I talked to ( his name was XXXX and he refused to give me his last name ) said this was their procedure and he would apply the funds to my account as a courtesy. I reminded him that this was no courtesy when they kept my money for two weeks, and he should be apologizing. He did not, repeating that this was their procedure. I reminded him that this never happened before and asked if there has been any changes to my account, and he said 'No '. 
I believe a financial institution should not hold customer funds for two weeks. 
Sincerely,
Consumer complaint received 2015-05-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: JPMORGAN CHASE & CO. (KS)

Subject : Chase Private Student LoansSchools attended : The University XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX elected to defer my loan principal and interest while in school. I was graduated in XXXX XXXX from XXXX and I have been making the required payments since XXXX/XXXX/XXXX even before the grace period. After capitalization, the principal balance stayed constant at {$16000.00} from XXXX XXXX to XXXX XXXX although I was making payments. Again, the principal balance stayed constant at {$15000.00} from XXXX XXXX to XXXX XXXX although I was making payments. 

I requested explanation from Chase Student Loan Customer Care why the balance is not reduced with every payment like when I use online student loan calculators that are showing more than {$20.00} reduction in principal with each payment. Chase response was that the payments are applied first towards the interest, then fees and other charges if any, and then the principal. No more explanation was given although I asked a response from a supervisor and clearly stated that it seems I will stay making payments forever! 

My cosigner helped me to understand how this is working. It seems that Chase intentionally is sending statements with underestimated payments that would keep me paying interest only without seeing any reduction in the principal. For example, I paid {$200.00} on XXXX. The statement came back with a required payment of {$120.00} by XXXX. This {$120.00} is less than the interest amount I calculated ( 10.75 % x {$15000.00} / 365 days x 31 days = {$140.00} ). 

I think this is malpractice. I believe student loan statements shall be as accurate as possible showing a Good Faith Estimate which seems not the case for Chase Private Student Loans. How I am going to pay off my loan if I follow the statement and pay only what is required! I would be losing hundreds or may be thousands of dollars each year if I follow their statements. 

In addition, Chase sold my loan and is transferring it to XXXX XXXX XXXX ( XXXX ) by the end of this month. 

Would you please look into my complaint and attached documentation? 

Thank you,
Consumer complaint received 2015-05-19
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

My XXXX died owing a credit card debt. The debt collectors say I now owe the debt. My name is not on the application for credit nor have I benefited from the credit card. The debt collectors reported it to the credit reporting corps. and it appears on my credit report as a debt I failed to pay and fraud. I am applying to refinance my home and I am being denied because of the report. I have no other blemishes on my credit report. I ca n't sleep with the fear of losing my home.
Consumer complaint received 2015-05-19
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Back in 2006 I opened an IRRA account through Bank of America and administered by XXXX XXXX ( Account # XXXX ), transferring my retirement funds from my previous Employer, XXXX. I am now employed by XXXX and wished to roll the money into the State of Washington Deferred Compensation Program ( DCP ). I started this process back on XXXX/XXXX/2015 but continue to encounter roadblocks. 

The state has requested the funds be sent over as a check, see attachment, per their procedures. However, Merrill Lynch claims they can only transfer funds only after I receive a XXXX XXXX XXXX. According to the State, they are not a banking institution so they do n't use or provide Signature Stamps. I 've never heard of such a stamp but the people at Merrill Lynch assured me I could get XXXX from any Bank of America. I went to XXXX different banks ( XXXX in XXXX XXXX and XXXX in XXXX ) and all indicated they could n't give me this stamp. I was then directed to check with another institution ( XXXX XXXX in XXXX ) and they said although they could provide a stamp they do n't do it with a document stating that a stamp was required. 
I 've left numerous messages with staff at Merrill Lynch ( XXXX and XXXX XXXX ) but have been unable to reach them for further assistance. I 've believe that I have been patient in trying to move my funds from XXXX organization to another. ( See attachment ).
Consumer complaint received 2015-05-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Gatestone & Co. International Inc. (CA)

Signed up for XXXX XXXX XXXX service on XXXX/XXXX/15, activated account on XXXX/XXXX/15. Cancelled my service on XXXX/XXXX/15 after receiving XXXX bill with a service I did not agree to. Cancellation was approved by their retention center ( after buyers remorse period ) due to the misrepresentation of the service agreement and assured me no balance will be owed once the device was received by their warehouse. I returned the device on XXXX/XXXX/15 using their provided return label by a third party shipping service Newgisitics via XXXX. I called back to check on the status of the return of the device more then XXXX different times, XXXX XXXX XXXX reps responded that the tracking could not be located to " call back ''. Finally on my XXXX attempt on XXXX/XXXX/15, over a little 30 days from the cancellation date of XXXX/XXXX/15 I was recommended to open a " case ticket '' to track and locate the device. I was assured by the rep at this time, that the account would be suppressed due to this issue and that no collections would be attempted. On XXXX/XXXX/15 I began to receive daily calls by a XXXX number with no message left, I finally decided to call back on XXXX/XXXX/15 and it was GateStone, a third party collection agency hired by XXXX XXXX XXXX XXXX collect a debt. I notified them about the " case '' of the missing device and the Gate stone rep was kind enough to suppress the account till XXXX XXXX XXXX recalls the debt from them which I was told could be done immediately. I then called back XXXX XXXX XXXX on XXXX/XXXX/15 livid at the situation as they assured my account is suppressed till case had been cleared. I was told I would get a call back about the situation. After a few days and no call, I called XXXX XXXX XXXX back on XXXX/XXXX/15. The XXXX XXXX XXXX rep reviewed notes and stated the " case by investigation team '' noted the account on XXXX/XXXX/15 that the phone was located in their warehouse on XXXX/XXXX/15 and that a full credit and refund would be administered in XXXX billing cycles. Yet, they could not recall my account from a third party due to closing and paying out my account to the third party collection agency and now the debt is owed to Gatestone. I conferenced Gatestone and the At XXXX XXXX rep to relay the status on the account that a refund will be placed, account is now at zero but the payment must still be made to them direct from me. YET, after having reported the device was received and in good working condition, they still sent my account to a third party collection agency. I do n't understand why XXXX XXXX XXXX refuses to recall the account from the collection agency rather have me pay them direct for a debt I I never owed!
Consumer complaint received 2016-01-05
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC (DC)

I was contacted by Berks Credit & Collections , Inc at XXXX XXXX XXXX XXXX, PA XXXX. The staff I was speaking with XXXX, trying to let her know that the debt notice was incorrect and I had cleared it with the Doctor. She then told me that my insurance did not pay the debt and it was referred to them from the doctor. I asked if she knew the insurance did n't and she said yes. When I told her I had paperwork from the insurance showing it was paid right in front of me and that she was lying. I requested the info form her that my insurance did n't pay the Doctor and she said she did n't have to give it to me. She then said she was going to hang up on me because of how I was treating her. I never once raised my voice or yelled at her. When I was asked her for info on the company so I could report it to the cfpb she hung on me.
Consumer complaint received 2015-05-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (CA)

We initially started a refinance with our current Lender, Freedom Mortgage. After receiving the rates, we decided to go with another Lender. We are at the final stages of completing the new loan transaction and paying off the Freedom Mortgage Loan, and require a " payoff statement '' from Freedom Mortgage. Unfortunately, this process is being held up because Freedom Mortgage refused to give it to our new Lender sighting " we were working with them still ''. Since that is n't true, we wrote a letter indicating we were no longer working with Freedom and instead, we are working with XXXX XXXX. 

Even after providing this letter ( which Freedom Mortgage required ), our new Lender has not been able to obtain a payoff. I ( XXXX XXXX ), then contacted Freedom Mortgage personally, in another attempt to obtain the payoff. I was told by the frontline representative that it will take two ( 2 ) weeks to mail it, which is unacceptable. They 've had ample time to order the figures if need me, so that it can be ready for us to have in-hand. After asking to esclate my request, I was then connected with a manager who stated that they might be able to have it ready and fax it to XXXX, but there were no guarentees. As you can understand, every day this take longer, I 'm being charged additional interest at a higher rate, than if my loan was with XXXX, so it 's important to me to get the payoff statement quickly, so that we can move forward. I 'd like to understand what Freedom 's timeline is for providing a payoff? Waiting two weeks or to be told " I might be able to get to you '', seems like a bad busines practice. I checked Freedom 's website, and all though it 's covered with informaiton on how to refinance with them, there 's not even an option for me to electronically order one ( an option most servicers provide ). By not processing these statements quicker, it seems like a stall tactic so that you can continue to charge me interest at a higher rate, and to try and pursuade me to do business with you only. My request is that you ( 1 ) Provide a payoff statement ASAP directly to XXXX via fax @ XXXX attention XXXX XXXX and to ( 2 ) please help me understand how your only option for provding a payoff statement is through snail mail, which can take up two ( 2 ) weeks to order.
Consumer complaint received 2015-05-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (WA)

We signed with XXXX XXXX XXXX XXXX for service in XX/XX/XXXX. Service was unacceptable, we paid what we owned and cancelled in XX/XX/XXXX. We were contacted by a collection Co. ( XXXX ) that we owed {$100.00}, ( date not remembered ). We contested the claim. On XXXX, we received a letter from the XXXX That noted " Current Balance : Not Applicable ''. The letter also stated that the " ... account is closed in our office ''. Not knowing what " Current Balance : Not Applicable '' actually meant, so on XXXX, I phoned, talked to an employee who said that they had contacted XXXX advising we had contested the bill and XXXX XXXX had agreed we did n't owe anything. Stupidly, I failed to ask for this in writing. OnXXXXXX/XX/XXXX ( 3 yrs. later ), We received a letter from another collection company, RPM, that if we would pay {$53.00}, ( 60 % ) they would be willing to close our " out standing balance ''. We contested that so they came back that we owed {$100.00}. What is needed at this juncture to establish that we do not owe this!
Consumer complaint received 2015-05-19
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC. (TN)

While traveling in XXXX area, I had to pull off the highway to get some cash to use on the Pennsylvania XXXX. I stopped at a Citizens Bank on XXXX XXXX XXXX in XXXX, PA during banking hours to obtain cash. I was required to pay {$3.00} for a " Citizens Bank ATM Owner Fee ''. I am not naive, but a fee amounting to 17 % of the transaction to take out {$60.00} of my money appears to be abusive. I was not borrowing the money. Is this a " Restocking '' fee or " rental '' fee for my use of the machine? There is no electronic transaction fee between XXXX and Citizens that would cost anywhere close to the {$3.00} cost charged for the transaction. It feels like an abusive charge. 
Needless to say, Citizen Bank account holders are not charged this amount. It is ironic that Citizens Bank account holders are only charged 3 % for International transactions made at an ATM while domestic borrowers are charged a flat fee.