davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-18
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc (NY)

I have had a Paypal account for over a decade and use it for a variety of purposes. Three months ago, Paypal froze my account ( and withdrawal ability ), which contains {$1300.00}. I emailed their compliance department, but my request for the funds was denied. 

I have been using one of their products, MyCash, for over a year, in order to fund my account. Paypal 's TOS states that MyCash can not be " withdrawn to a bank, online bank, ATM, or prepaid card. '' I have followed this policy, and have challenged them to find a counterexample example in my transaction records. 

However, Paypal has not cited any example ( despite my request ) of how I violated their policy -- so I am completely in the dark! In addition, the contact information in their email to me appears to not lead to the right department. When I have called them ( twice ), they have given me scripted responses without any investigation. I believe I am entitled to a proper, respectful, and reasonable response as they are holding {$1300.00} of my money and not returning it. 
-- -- -- -- -- -- My email to their compliance department : Paypal Customer Service instructed me to email you in order to resolve the above case -- I 'd like to get more information about why the account has been limited and what led to the restriction. My basic understanding is that Paypal My Cash is to be used for Retail transactions only. I am certain that I followed this policy and need this case to be examined. 

1 ) Are there any specific transactions that were against Paypal policy? If so, can you please list these transactions? 
2 ) My account balance is {$1300.00}. This amount has been restricted for 77 days. When will these funds be available for withdrawal? 
-- -- -- -- -- -- Their response : For the safety and security of the PayPal network, we often review accounts for potential risks. After reviewing your account, we have decided to close it because of security issues. Below is part of the email that was sent in regards to the use of the My Cash product. 
We 're not sure you 're aware but it appears the MyCash has been used for deposits to your PayPal account, and those deposits have been withdrawn to a bank, online bank, ATM, or prepaid card. The MyCash feature is for making deposits to your PayPal account for retail purchases. If we continue to see this activity of using the MyCash with your PayPal account for cash withdrawals, we may have to limit or close your PayPal account. Unfortunately due to the continued use of the product as aforementioned, your account has been limited. 
Money in your PayPal account will be held for 180 days. After 180 days, we 'll email you information on how to receive your funds. 
We regret any inconvenience this may cause. 
-- -- -- -- -- --
Consumer complaint received 2016-01-10
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Massachusetts Educational Financing Authority (MA)

This is a follow-up complaint to Case number : XXXX. All preceding information can be drawn from the former case file. 

As verbally agreed upon with MEFA/XXXX, I began making quarter payments while the formal paperwork for the quarter payment forbearance was being processed. During this time, I received no fewer than six harassing phone calls to my personal cell phone, demanding immediate payment of the full value of the monthly payments, despite clear verbal instructions to cease phone communication, in clear violation of my rights as a lendee. 

Approximately 1.5 months after the quarter payment paperwork was filed ( date of XXXX XXXX, 2016 ), I received another phone call from MEFA/XXXX, again demanding immediate payment of the remaining balance, minus the quarter payments that I had already been making. This time, however, they informed me that they had rejected my forbearance application because they had changed the terms of the agreement IN THE TIME BETWEEN WHEN THEY RECEIVED THE PAPERWORK AND WHEN IT WAS PROCESSED without notifying me of the change until after it was rejected. Thus, they had outright denied the application on technical grounds. All of this clearly violates my rights to clear and fair lending as a student borrower.
Consumer complaint received 2015-11-18
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (FL)

Chase card services refuses to credit me {$80.00} for work I had done with XXXX to repair my car in XXXX Florida back in XXXX 2015 ... XXXX did shappy work on my car, over charged me, and ripped me off. I then had to go to another auto shop pay them {$80.00} to get the problem corrected that XXXX created, and make the correct repair. I explained this to a chase supervisor and dispute department over the next month with no positive results. I was told it would take two billing cycles to resolve the issue and get my money back.. We are now in the 3rd billing cycle with no resolve. As a long term valued customer of chase cards and banking I would like chase to come forward in favor of my {$80.00} and credit me immediately. From what I can tell, Chase Card services do not back their customers!! I do not appreciate it. I have never in my life seen this type of business incompetence. As a Consumer I will not stand for this kind of unfair business practice. Also as a long term valued customer of chase banking I am dropping my bank account and going elsewhere. They are horrendous. 

Since XXXX charged me {$140.00} on my Chase card and even after i brought the car back again they said the work was done properly, it was not. I had to go to XXXX and Pay an additional {$80.00} to have the work corrected. I am disputing {$80.00} from my card to be credited back to me. There should be no excuses. I submitted all paperwork that chase cards requested months ago! 

XXXX XXXX
Consumer complaint received 2016-01-28
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (FL)

wells fargo took a deposit from me on XXXX/XXXX/16 to this date they still have not released my funds they have bounced XXXX checks, and charged me {$70.00} according to bank check was drawn on it cleared their account XXXX/XXXX/16 so wells fargo has had this money in their account for 10 days and have refused me access I have had an account with this bank for over 15 years no one from wells fargo is interested in helping me they need to be held accountable for this and I am sure many other banking transgressions
Consumer complaint received 2015-07-16
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (GA)

Dear Sir/MadamOn XXXX XXXX XXXX after Wells Fargo sold the house located at XXXX XXXX, XXXX GA XXXX, I received this letter. 
First, from XXXX XXXX, XXXX to XXXX XXXX, XXXX, we reviewed your account XXXX times for possible payment assistance options. FHA guidelines require that you occupy the property as your primary residence. Your account didn '' t meet the guildelines since your account was not listed as your primary residence. 
My response was the bank executive customer recovery group lie. This property is listed as my primary residence. My driver license, my voter registration card, my utility bills, my car registration, my termite bound, my car insurance, and lawn care company, all have the same address. In addition, my tax return had the same address. Furthermore, I paid State tax in Georgia. The house was my primary residence. 

Second : I have submitted all requested documents for the modification and they are requesting new documents. 
The bank said that we are unable to initiate another review for available payment assistance options prior to foreclosure sale date of XXXX XXXX, XXXX, because we did not receive proof of occupancy. 
My response was the package had my XXXX Federal and State Tax returns. Also, included a copy of my driver license. If a utility bill was requested, I could have sent it tooThird : I requested that Wells Fargo rescinded the sale of XXXX XXXX, XXXX. 
Wells Fargo said that due to the outstanding items listed above, we require more time to resolve your inquiry, but will have a final resolution to you by XXXX XXXX, XXXX. 

Yesterday, XXXX XXXX, the bank representative, XXXX XXXX told me that the sale is final and she will send it in writing to my address XXXX XXXX which was the residence and the mailing address listed with Wells Fargo in the recorded conversation. 
I disagree vehemently with the bank action. As you can verify in their own letter they did not initiate a review of the XXXX completed Federal application submitted on XXXX XXXX, Moreover, they did not review the internal Wells Fargo own application for assistance. Their own appeal form which authorized the customer right to a review was denied. 

At this point, the bank has violated my right to a review of the Federal application HAMP. Then,. I requested to XXXX XXXX of Wells Fargo if there is any other way to save my house. There was no answer. The only reason I was fighting for my house was I removed money form retirement account to keep the house during the depression. I hope at CFPB an official will look at this complaint and stop any malfeasance of the bank to other minorities. The FHA guidelines were not followed in this sale. I have been locked out of the house for two weeks since XXXX XXXX XXXX XXXX took possession without aneviction notice. 
In Conclusion, my lawyer has submitted all paperwork required for the modification. The bank still denied me due process to the right of a modification. I believe this is pure discrimination against me.
Consumer complaint received 2015-12-20
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (AL)

My wife and I have been members of American Express Gold Card since XX/XX/XXXX. WIthout our consent or knowledge they started sending us XXXX Books periodically. For years we assumed it was a side benefit with the Gold Card Status. In XX/XX/XXXX my wife called and canceled the subscription. The book kept coming. Last year we called AMEX again and they said we 'd have to take it up with the publisher which we did. The book kept coming. We received a billing this year for {$44.00}. I sent a refure the charge to AMEX. We did n't get the book the next period, XX/XX/XXXX. Today while doiing a search of our expenses I fould they had started charging us {$44.00}. This occured twice on XX/XX/XXXX and XX/XX/XXXX. We called XXXX and talked to XXXX ( no further ID was given ) He said he would cancel any product coming from them. However he could not refund any of our payments. When I talk to AMEX they say talk to the publisher. WHen I received the XX/XX/XXXX charge I complained and they refunded one payment, but continued charing us in XX/XX/XXXX.
Consumer complaint received 2016-01-08
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (IL)

Being sued by debt collector Midland Funding for a debt I did not even know about. I asked for verification and they sent a stack of paperwork from an account I did not open in XX/XX/XXXX or XX/XX/XXXX. My husband and I filed bankruptcy due to an auto accident in XX/XX/XXXX. I have only opened XXXX credit accounts in that time. Because I do not work and have bad credit. The paperwork they sent me has the wrong dates. Even my credit report says this debt was discharged in bankruptcy. Yet they are still taking me to court. Also the debt buyer company and original credit card company XXXX XXXX started reporting on my credit report that I opened said account in XX/XX/XXXX. Yet I never had attempted to open any credit account in XX/XX/XXXX and underneath these XXXX reports it says may have discharged in bankruptcy.
Consumer complaint received 2016-01-08
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Check Security Associates, LLC (TX)

XXXX XXXX has called me numerous times a day leaving messages stating that I must call him immediately about my case and that they will be garnishing my wages. He then proceeded to call my mother, step mom, and both sisters and gave them personal information. He told them I wrote a bad check, or that it was a legal matter. Both of which are false. I had already spoken with someone there about making payments, but they still call my family members and threaten to call my work. Also, I requested they mail me verification of the account and they refused. The woman argued with me saying my contract with XXXX was now theirs and that everything I agreed to with them, I had agreed to with her company.I told her that since she was n't the same company, I had not signed a contract with her. She got very upset and then finally agreed to mail me a letter.
Consumer complaint received 2015-11-06
Product: Debt collection — Auto
Issue: Communication tactics — Threatened to take legal action
Company: Optio Solutions, LLC (FL)

My wife mistakenly wrote a check from the wrong account and it was returned NSF. We immediately contacted the payee to redeposit the check and transferred the funds, which covered the entire amount. The day after the check was paid in full we were charged {$1000.00} by Qualia Collection Services ( QCS ) as a return check fee, which we have disputed. I attempted to speak with QCS to pay a reasonable return fee but the individuals I spoke with only responded that they are charging the maximum allowed by the state and that the fact that the entire amount was paid in less than 3 days did not make a difference. I was also threatened with a lawsuit if I did not pay the entire amount.
Consumer complaint received 2016-03-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Torres Credit Services, Inc. (CA)

Torres Credit services and XXXX notifying me XXXX XXXX XXXX of a debt totaling {$58.00} although this may seem like a small sum the continued reporting is damaging my credit rating. 
I contacted the XXXX major Credit bureaus and XXXX and Torres making a point of proving to them that I was the victim of Identity Theft. It has been over 30 days and they have not provide any documentation legally linking Me XXXX XXXX to the account. Not to mention the fact that : I was residing in different city than the one provided for the origin of this account.
Consumer complaint received 2015-09-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (FL)

This is a medical bill that I received.I fell at XXXX and got injured they are responsible for the bill not me.i received a letter in the mail today from transworld systems inc XXXX/XXXX/2015 stating that if I do n't pay bill in full they will report to the credit bureaus.i tried contacting the number they provided it rings XXXX times then the line remains open with no one on the other end to speak with
Consumer complaint received 2016-01-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

Case # XXXX. This concerns our complaint. Wells Fargo sent us an envelope where they pretend to have wrapped this case up. We agree with only about XXXX paragraphs out of about XXXX pages. We understood that they were selling our loan It was only a case that Wells Fargo was changing Servicers and giving us a new address to where we send our payments. The rest of the information is in fact taking the truth and mixing it up with total false information. We do not agree with their explanation, we have a paper trail that proves the opposite of what they state. This is business as usual with Wells Fargo.
Consumer complaint received 2015-11-09
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (OH)

Wells Fargo has either reported, or caused the report of, a code " D '' ( Default ) in the HUD CAIVRS ( Credit Alert Verification Reporting System ) against my social security number in relation to an FHA case that pertains to my ex-wife. I am in contract on a new home using a VA loan through XXXX and can not proceed with the loan ( current closing date of XXXX XXXX ) until this code is suppressed and converts to an " A '' ( Approved ).
Consumer complaint received 2016-03-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

I am formally requesting that this item " Satisfied Judgement Case Number XXXX '' be investigated and removed from my credit report. 

Accordingly, I can show a judge that these items meet the requirements for removal. 

Please note I am a XXXX Veteran XXXX
Consumer complaint received 2015-11-09
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CITIBANK, N.A. (AZ)

I never received a thing but a summons from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I was never able to dispute anything. I answered the summons with my election for contractual arbitration and even sent XXXX XXXX a letter before I sumitted my answer to the court here in Arizona. 

XXXX answered back with a motion for summary judgment. XXXX ignored my letter electing arbitration per Citibank cardholder 's agreement. XXXX forced me into litigation when a clause in Citibank 's cardholder agreement protects any alleged consumer from litigation. 

MY QUESTION TO XXXX FUNDING IS THIS : Why did you drag me into litigation when I invoked arbitration from day one? You ignored me. You denied my due process. 

CURRENT SITUATION : I was unlucky enough to get a superior court judge that does n't know arbitration laws and he gave XXXX a summary judgment against me. I fought the litigation as much as possible, but the irony is that the arbitration clause protected me from litigation and yet XXXX kept dragging me through it. 

Now there is a summary judgment that I am appealing to the Court of Appeals, who I hope knows the arbitration laws. 

WHY WAS I PUT THROUGH LITIGATION EVEN AFTER I INVOKED THE ARBITRATION CLAUSE? Why is it okay you ignore my rights as a consumer that is invoking the arbitration clause? I want answers. You have really ruined my health and denied my rights.
Consumer complaint received 2015-11-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (WA)

My Homeowner 's insurance payments were not made on time causing the house to uninsured over XX/XX/XXXX - XX/XX/2015Caliber home loansAccount # XXXX XXXX XXXX XXXX, XXXX, WA XXXX
Consumer complaint received 2015-12-20
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (MD)

Two months back I had a balance of {$84.00} on my XXXX. Due to a family medical emergency, I could not attend to paying off this amount of {$84.00}. For that, XXXX XXXX did not even contact me thru email, phone, mail or text message and blocked my online account. So, when I tried to login, I could not and had to spend XXXX minutes over the phone to just access my account. Then XXXX XXXX, goes and reports to the Credit Bureau that I am 60 days past due. 
All my years of building a sound credit history has been hampered by XXXX XXXX customer / account maintenance service. Just want to remind that I took a loan amount and also paid it off well in advance ( 2 years prior ) and yet XXXX XXXX has gone and complaint like a child to the Credit Bureau. 
It is a shame that a Bank/Credit Card company like XXXX, can resort to such cheap tactics of hurting the customer for a {$84.00} unpaid balance. For such a reputed card company, would it not have been courteous to check with the customer and see what is happening before resorting to reporting to the bureau. When I have paid all bills prior to this for 10 years promptly with XXXX XXXX that is 120 monthly payments, should missing XXXX payment reduce my fico score by XXXX points? Also, on my other XXXX XXXX, I had a rewards balance of {$93.00} enough to cover the amount for {$84.00}. Yet, XXXX XXXX did not contact me thru. This does seem like a personal vendetta against me by some employees of XXXX XXXX who know me in person. 

Hence, I have decided, that from now on, I will never use your credit card. Neither will my family and would strongly encourage people to stop banking with XXXX XXXX. Also, social media is a powerful tool and I will mention to all my friends and to the world, how cheap XXXX XXXX is ... 
Today would be the last day that my family would use any XXXX XXXX product. 

XXXX XXXX has a lot to learn from other banks who give a XXXX time chance to the consumer. It is shame to bank with XXXX XXXX.
Consumer complaint received 2015-12-18
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IN)

My mortgage company XXXX Carrington Mortgage XXXX sent out XXXX Premium Insurance payments to the wrong insurance company and will not get our money refunded back into our account. Our escrow showing negative which has made our house payment go up. All we want is our money refunded and put back into out account. We have lived in our house about 14 Months and have had about XXXX Insurance checks go out, when only XXXX should have gone out for this years Insurance Premium. When we signed papers for our home, our title company paid the first years Premium so the only check that should have went out was this years Premium XXXX which was sent to the wrong insurance company ). Also, in the process of all this my homeowners insurance was cancelled twice.
Consumer complaint received 2016-01-08
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

They keep calling for my husband who is battling XXXX. I have told them at least XXXX times to please stop calling and his condition. What is so wrong with this is they are not the primary debt holder. They purchase old or written off debts and reactivate them and then call the credit bureaus like they are new. Please stop these people so my husband can see some peace.