davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I called Portfolio Recovery Associates on XX/XX/2018 in an attempt to make the final payment of a three part installment debt settlement agreement. I agreed to pay approximately {$1800.00}. The final payment was supposed to be {$600.00}.

I called this debt collector five times. Four of the first 5 times, they hung up the phone on me, after I provided my social security number, but declined to provide my name. 

I declined to provide my name to the debt collection agency, because I could not think of any justification for requiring my name, if I have provided my social and they are looking at all my profile information which include my name on their screen. I was collecting from a recognized phone number. They are a debt collection agency, any information they obtain would be used for that purpose and I was not interested in providing anymore information to them than absolutely necessary. 

The first 4 debt collectors refused to take my payment and hung up the phone on me, angry, frustrated and annoyed that I had refused to confirm my name. Apparently, they missed the irony of being on the receiving end of an unwelcome phone call regarding a debt -- in this case, a debt for which they bore zero responsibility. 

This complaint regards statements made or not made by the 4th debt collector. I asked her on several occasions, " Are you a debt collection agency? ". On every occasion, she refused to affirm that she was a debt collection agency and refused to say that any information obtained would be used for that purpose. She insisted on answering simply, " We are Portfolio Recovery. We handle personal business matters. '' She repeated this over and over again. 

I find the statement this company has seemingly trained their employees to utilize ( " We handle personal business matters. " ), when juxtaposed with what collectors are required to say ( " this is an attempt to collect a debt '' ) and disclose, to be deeply misleading. 

I feel this organization has violated federal law, the FDCPA, in seemingly training their representatives to say, " We handle personal business matters '', specifically when asked, " Are you a debt collection agency? ". I further feel Portfolio Recovery Associates is a threat to consumer rights and protections and it is within the purview of the CFPB to conduct a full investigation, to compel them to follow federal consumer law and punish them as necessary. 

I pray you will investigate this matter promptly. 

It should be noted that the fifth agent was an extremely polite woman who did not try to compel me to do anything, but simply took my social security number, confirmed my information on her screen, confirm the payment history and call history with me and collected the payment from me. She exhibited great humility, poise and emotional intelligence, attributes which I found completely lacking in all other agents. That is a credit to the 5th agent and a disgrace to their entire organization.
Consumer complaint received 2024-09-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OK)

On XX/XX/year>, I paid {$99.00} via PayPal for upgraded seats on a flight on XXXX XXXX. On XX/XX/XXXX when that flight took place, XXXX XXXX changed equipment and my seats were not upgraded. I asked about my {$99.00} and was told to contact XXXX customer service. 

I did that upon my return on XX/XX/XXXX and also notified PayPal. PayPal instructed me to first seek resolution with XXXX and that I had until XX/XX/XXXX to dispute any charges. 

I have been trying to work with XXXX XXXX to refund the amount to my PayPal account. They instead have asked for banking information for an international transfer of funds, which my bank ( XXXX  ) does not do. 

On XX/XX/XXXX, I formally disputed the transaction with PayPal, seeking their assistance with one of their merchants. The following day, PayPal decline my dispute, saying I needed to dispute the transaction within 30 days. I explained that per their direction I had been working with XXXX XXXX and that, if anything, their delays in resolving it pushed my dispute date into XXXX- but further - per their instructions I had until XX/XX/XXXX to dispute charges. 

I have continued to work with both XXXX and PayPal but have yet to receive a refund. XXXX said they would refund to PayPal ( attached ) but then later said they would not, despite it being my original form of payment. PayPal is refusing to intervene with a legitimate refund from one of their merchants, and in the latest email ( attached ) from XXXX, they have asked for PayPal banking information ( not my account information with PayPal but actual banking information ), which PayPal does not provide. When I received the latest request, I reached back out to PayPal for assistance again, and they said they would add a note to the file. 

I am asking for assistance in resolving this issue and obtaining my refund for services not received. I am further requesting that the refund occur to my original form of payment PayPal. It has been nearly XXXX months and had PayPal not told me to work with the merchant, which delayed the process, I would have disputed the claim sooner. 

The delay was not on my part but was on XXXX XXXX delays between XX/XX/XXXX and PayPals deadline ( again, it should be noted I followed PayPals instructions and feel they should still have intervened since the delay was not due to my actions but XXXX XXXX actions ).
Consumer complaint received 2024-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA (NV)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

APPLE CARD/GS BANK USA XXXX
Consumer complaint received 2024-09-18
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Comerica (CA)

I hired a credit repair company called XXXX XXXX XXXX. They turned out to be running an illegal credit repair company and was shut down by the FTC. I disputed the charge with my bank at the time Comerica bank. They gave me temporary credit of {$2000.00} until investigation was complete. When investigation was complete they denied my dispute and said that i signed a contract with credit repair company so it was valid charge. When i told them what I signed was a fraudulent contract and to reopen the investigation. They denied me to reopen investigation. I had supporting documents to show they were illegal credit repair company they still did not reopen so i went to a different comerica bank and spoke to a manger by the name of XXXX XXXX XXXX XXXX XX/XX/2022 and gave him the documentation proving my dispute was correct. He got back to me and told me the reason they denied my dispute claim even though it was a legit dispute claim, was because the company has had its bank accounts frozen by the FTC and had no way of recovering the money back so i would have to wait til that case gets resolved and try again. They ended up closing my bank account with a negative balance of {$2000.00} from the dispute temporary credit and reported me to XXXX. So now I cant open a bank account because of Comerica refusing to agree with me on the dispute dispite having all the evidence.
Consumer complaint received 2024-09-20
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Peritus Portfolio Services II, LLC (GA)

ACCOUNT # : XXXX ***THIS ACCOUNT WAS ESTABLISHED WITH XXXX THEN SENT TO PERITUS PORTFOLIO WHO HANDLES THEIR BANKRUPTCY-COMPLAINTS HAVE BEEN EQUALLY MADE BETWEEN THE TWO COMPANIES**** I was told by XXXX & Peritus Portfolio , that I needed to bring my account current to receive a two-month deferment. I paid the amount they stated to bring current in XXXX. Then received a unprofessional, rude call from XXXX XXXX Peritus Portfolio stating yeah, we got the payment but your past due. I then contacted XXXX manager XXXX XXXX, and he stated to me. " Well, this is what we came up with. I have strong armed repeatedly on this acct, I have requested audits, I have sent in proof of payments with bank statements and NOT received credit-told I was however payments continue to increase not decrease, Now, this-we all understand how deferments work and yet they just keep taking my monies not honoring laws, GAAP or their own arrangements. I need help getting this account audited and payments posted correctly-the accounting records, payment history is insane-XXXX sends ledger and payment history to Peritus Portfolio ( they handle XXXX BANKRUTCY CASES-yet their records do not match-payments may show on and not the other and vice versa-upon years of trying to get resolve - I just receive rude responses, going over the payments BUT know updates or answers to the unposted payments, the request for acct. to be audited, answer to mismatched ledgers and etc. Now, the most absurd thing-this deferment-I had to pay CURRENT to receive the two-month deferment-I paid it in XXXX & in XXXX-they contact me and state I am 2 months behind and reflect this in the payment history-HELP ME! I have attached the liaison between XXXX to Peritus-manager XXXX XXXX email correspondence about the deferment, yet they are harassing me, threatening rep and stating account is still delinquent. ACCOUNT # : XXXX
Consumer complaint received 2024-09-17
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I had a loan with fifth third bank i ran into financial issues after XXXX XXXX of non late payments and i asked for help they reduced my payments for XXXX XXXX so they told me and I was charged the actual full payment on my bill first of all I also asked them to remove XXXX extended warranties on my vehicle which was about {$8000.00} and that would have made my payments reduced because I took it to the XXXX dealer and they wouldn't fix it or even look at it until I paid a fee technically I was paying a fee for.the warranties that were useless but yes I was XXXX payments behind because my bank returned them because I had fraud on my account so that didn't help either this bank is a rip off also my loan is for {$28000.00} {$9000.00} of which are warranties also they didn't give me a copy of my contract I had to go back to where I bought it and look at it and seen how XXXX i was
Consumer complaint received 2018-09-28
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Terrill Outsourcing Group (TX)

XXXX XXXX contacted me via mail saying I owed money and they were trying to collect. I asked them to stop contacting me and to send me verification of the debt. I was told that if I " disputed the debt '' by requesting that information they would not work with me in the future on settling the amount. Sometimes they would call and I would answer and no one would talk. The calls stopped until shortly after I received a letter. The calls resumed on XX/XX/XXXX. Sometimes I receive up to 5 calls a  day. Please see the following for the list of dates and times I have received calls in the month of XX/XX/XXXX alone : XX/XX/XXXX @ XXXX XXXX XX/XX/XXXX @ XXXX XXXX XX/XX/XXXX @ XXXX XXXX XX/XX/XXXX @ XXXX XXXX XX/XX/XXXX @ XXXX XXXX XX/XX/XXXX @ XXXX XXXX XX/XX/XXXX @ XXXX XXXX XX/XX/XXXX @ XXXX XXXX XX/XX/XXXX @ XXXX XXXX XX/XX/XXXX @ XXXX XXXX XX/XX/XXXX @ XXXX XXXX XX/XX/XXXX @ XXXX XXXX XX/XX/XXXX @ XXXX XXXX XX/XX/XXXX @ XXXX XXXX XX/XX/XXXX @ XXXX XXXX When I have spoken with them about potentially resolving the debt they are very pushy, to the point where I couldn't speak without getting spoken over. I could not even attempt to make a plan to pay the debt if I wanted because they won't pause to give me a chance to talk. 

They have even contacted my step-dad and I never provided his information to them. I don't know if they have contacted anyone else as well.
Consumer complaint received 2024-09-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (MI)

I received notification that my account was being restricted because a transfer was denied from a deposit I had requested. I had over {$1000.00} at that time. The transfer the triggered the ( absolutely unnecessary restriction which they have done previously for unnecessary reasons ) was for {$1000.00} as a deposit to SoFi. I also made transfers to fund this savings account that went through just fine even though they placed FIVE day holds on these transfers although they have received transfers at my bequest to fund my account successfully many times before. 
Altogether there was nearly $ XXXX in this account by the XXXX ( not including the transfer that did not work ) and over $ XXXX on the XXXX when a scheduled payment of my XXXX credit card came through on the XXXX. Importantly, in my communication with SoFi, I explicitly stated they were to honor my payments- at least with the money that was already there for quite some time. 

Importantly, I received an email on XX/XX/year> that the restriction had been resolved ; however, I received an email on the XXXX that they had denied payment of my XXXX card for $ XXXX. This bank is incredibly inept. Absolutely no one in this bank knows what is going on or what is happening or why it is happening. Each time that this happens, the customer ( myself ) must speak to numerous customer service representatives who do not know anything. 

I received a return fee from XXXX for {$29.00}. SoFi needs to pay this amount OR I have provided them an address for XXXX that they can send a letter explaining what they did with my account and their inappropriate refusal to honor the payment requested. I want this done STAT. I am disgusted with this bank. I asked them for this today after - about providing the letter - after they refused to pay the {$29.00} last week. They are totally responsible for this mess. 

As to why that one deposit did not work? Apparently, SoFi bank refused that other banks PLAID connectionmeaning that I can send money from my SoFi account but because they refused the method of connecting they will not send money to SoFi. Every single problem begins with SoFis ineptness. Furthermore, when any other bank has something go wrong, they contact you. They reverse it. Whatever. They do not freeze your account and hold YOUR MONEY hostage and then provide representatives who are clueless in resolving the issue for days on end. I urge anyone to not bank with these people. There are banks who provide better interest and MUCH BETTER service. They disrespect you, repeatedly.

The address for this letter which MUST be on SoFi letterhead is XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX This request and address is also in the emails that I have attached to this complaint.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Attached is a copy of the letter sent to XXXX XXXX NA. XXXX XXXX NA APPEARS ON MY XXXX REPORT XXXX  times as a hard inquire. Dates are as follows : XX/XX/XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX. 

I have asked that they verify that it was me who authorized the use of my social security number and they have yet to respond. 

These hard inquires are damaging to my report and ai need them removed as they do not apply to me.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CITIBANK, N.A. (MS)

XXXX has the year of my Birthday wrong. So I filed my report online on XXXX website. I didnt know you had to put in a Federal Trade Commission report or police report XXXX XXXX XXXX XXXX and a XXXX XXXX XXXX XXXX. So how would I know how to do this stuff. So XXXX wouldnt remove the inquiries or correct my date of birth year.
Consumer complaint received 2016-06-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC. (MI)

My mother established a joint account with me with GMAC which is now Ally Demand Notes and XXXX in XXXX. My mother died three years ago and I sent Ally a certified copy of her death certificate. I also made deposits and withdrawals from time to time. On XXXX XXXX, 2016, I contact Ally and asked that the account be closed and the funds sent to me. I had been receiving monthly statements on this account for years to my home address in XXXX, Michigan entitled XXXX, XXXX. A check for over {$XXXX} was apparently made out, but made out with my mother as joint payee and then mailed to my mother 's old address in XXXX, Michigan. That residence had been sold and the new owners are " snowbirds '' who close up the house in the winter months and have their mail held at the XXXX post office. I never got the check and evern if I had received it, I could not cash it because a dead person 's name is on it as payee. I started this process by telephoning Ally and speaking with a XXXX XXXX on XXXX XXXX and XXXX around XXXX XXXX, I recevied a notice of confirmation of changes which I did not uderstand so I called and Ally assured me that everything was all right and the check had been mailed. I called around XXXX XXXX when I had not received the check and the Ally clerk then told me 1 ) they had my mother 's death certificate on file 2 ) the check had been mailed to XXXX and 3 ) my mother 's name is on the check! For months, if not years, the monthly Ally statements had been mailed to my address in XXXX! I wrote to Ally on XXXX XXXX, telephone them on XXXX XXXX and on XXXX XXXX, sent another letter on XXXX XXXX. Ally responded with sending me an affidavit to sign which I swore I had not cashed the check but on closer examination, the " affidavit '' was actually an indemnification agreement where I agreed to be liable if someone else cashed the check. I would not sign the Ally affidavit but I drafted my own affidavit and swore I had not cashed the check, did not know its whereabouts, the exact amount, or the check number. I received zero response from Ally. I sent my counter-affidavit on XXXX XXXX, 2016. I sent my next letter on XXXX XXXX, 2016, reviewing all the above information to refresh Ally 's memory and warning Ally that I would contact CFPB if Ally did not resolve this problem. Here it is a month later and I have heard nothing from Ally. I figure the XXXX check has probably expired by now and Ally could easily determine whether it has been cashed or not. It should not take over fourth months to complete a simple transaction. I hope you can investigate and get me my money.
Consumer complaint received 2024-09-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC (IL)

On XX/XX/year>, I noticed my tax escow amount did not compute correctly given my XXXX condo and appeared to be for a XXXX single family home. The parcel number was completely incorrect. The incorrect parcel 's mortgage note for XXXX and XXXX is {$2400.00}. The correct parcel 's mortgage note is {$1200.00}. I talked with XXXX Lakeview customer service lines : customer service and tax. In a phone call, the tax department informed me that a ticket to change the parcel ( due XX/XX/XXXX ), send in a tax refund application to the XXXX XXXX for the incorrect parcel ( due midXXXX  ), and escrow analysis request ( due XX/XX/XXXX ) in order to get this resolved. On XX/XX/XXXX, I call in the Lakeview tax service line.I see that this escrow analysis ticket was denied, their explanation was that the parcel was not changed to the correct one at the time of escrow review. I get another escrow analysis ticket made with the Lakeview tax service line. They inform me that this should be done on XX/XX/XXXX. I have not paid the XXXX mortgage note and am now assessed a late fee. On XX/XX/XXXX I call in and am told to pay the XXXX mortgage as the XXXX mortgage note is now correct. I pay {$2400.00} for the month of XXXX including late fees and check in the next day XX/XX/XXXX. A person on the Lakeview customer service line says she will be able to waive the late fee. The reason I checked in the next day was because you can not pay XXXX months of mortgage notes in the same day. The XXXX mortgage note is still {$2400.00}. I initiate a check cancellation as I was misled by Lakeview. During this time XXXX XXXX day, I am interrupted daily by delinquency calls by the Lakeview collections XXXX. On XX/XX/XXXX, I call Lakeview customer service line. I am told again that I need to pay, I am insistent on the late fees behind dropped as the delay in my non-payment was caused by the Lakeview servicing inability to correct my mortgage note to {$1200.00}. On XX/XX/XXXX, I respond to a Lakeview collections dept call, I am transferred to Lakeview customer service line, am told that the XXXX collections note is now correct and I decide to pay the XXXX mortgage note, I am insistent on being refunded again for the late fees and return check fee.The Lakeview customer service line says they can not do that but I have been escalated to have a supervisor call me. I transfer to the Lakeview Tax service line I request an tax refund application ID or any form I can see to know that XXXX XXXX has received a tax refund application. I am contacting the Consumer Financial Protection Bureau due to Lakeview 's repeated failure to correct my mortgage escrow in financial penalties and ongoing delinquency calls despite their admitted error.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CL Holdings LLC (TX)

I am filing a formal complaint regarding an ongoing collection attempt by Jefferson Capital LLC, for a debt that was sold to them by [ Previous Company ]. This debt was paid off and forgiven by XXXX, yet the second agency continues to pursue me for payment. Enclosed is my documentation, including proof of the original settlement and a cease and desist letter I have sent to the second agency. 

I request that you investigate this matter and take appropriate action to have this debt removed from my records. 

Thank you for your attention to this issue.