davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-20
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (CA)

On XXXX XXXX I attempted to use PayPal to transfer money to another PayPal ccount as I have done many times in the past. The website has been updated and rather than the usual transfer, PayPal interpreted my request as a request for an e-check issued on my bank rather than transfer from my PayPal account. There were insufficient funds in my account to cover an e-check because I had transferred the money to my PayPal account. My bank charged me {$30.00} for the insufficient funds transaction. I contacted PayPal through their dispute resolution process explaining the problem and asked them to cancel the E-check. Today XXXX XXXX XXXX ), I received a second notification that my bank had charged me a further {$30.00} as PayPal had made a second attempt to withdraw funds from my account. 
I also attempted to contact PayPal through numerous telephone numbers they provided for customer service ( Including the XXXX PayPal provided in their email response to my disput request ). All of these numbers answered with the message " You have reached a non-working number ''. 
i also made a second attempt to transfer money between PayPal accounts. The transaction was sucessful, but failed to display a confirmation page to review the details of my transaction before confirming it. the transaction just went through without the intermediate page. 
There seem to be several problems with this experience .... 
1 The PayPal website apparently misinterpreted the payment type I requested, initially costing me a {$30.00} penalty from my bank. 
2 PayPal acepts no responsibility for potential problems in their new website. 
3 PayPal provides no real-time human help for customer problems or disputes but provides several non-working telephone numbers giving the impression that they provide such a service ( e.g. XXXX XXXX XXXX ). 
4 PayPal ignored my request to cancel the erroneous transaction and incurred a second {$30.00} penalty for me by ignoring that request and submitting the payment request to my bank a second time. They also do not provide a feature on their website to cancel the transaction.
Consumer complaint received 2015-10-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been a victim of Identity Theft. I have been trying to work with the Credit Reporting Agency but they are refusing to honor my valid identity theft case thus these incorrect/fraudulent items are still on my credit report and they must be removed immediately but they are do not belong to me. I have provided all of the proof to show that I was a victim of Identity Theft and that to the best of my knowledge these fraudulent accounts do not belong to me. Please take immediate action on my behalf so I can have these items removed, deleted and permanently blocked from my credit report, so that I can get back on track to a normal life. 

Regards
Consumer complaint received 2015-05-06
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC (HI)

I am have been working to get a mortgage for over 2 months now. The lender, Loan Depot, has been slow the entire time and takes days to review a single document. We 're finally at the Final Review stage and now they come up with more things that could have been done weeks and weeks ago. This lender has done nothing to help move along the process and has in my estimation, held up the loan with their service. My broker tells me they are short staffed and got a whole bunch of mortgages because the rates are low. But do n't they have to have some sort of time frame to get things done in? Are there any federal or state guidelines? The contract I signed with the seller expired on XXXX XXXX and she was ready to cancel. I talked her out of that by going to another lender locally here in XXXX. This was XXXX weeks ago. The new lender, XXXX XXXX XXXX has been much better. They wanted my appraisal and began the process of transferring it over from Loan Depot. No surprise, but Loan Depot delayed sending it over for a week after XXXX sent all the request paperwork to them. Loan Depot was still trying to keep my loan with them. Everything they have done has taken longer than it should have.
Consumer complaint received 2015-05-05
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Purchased a XXXX Volkswagen Jetta Sedan, used, VIN : XXXX from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX. 
Phone : XXXX. 
Purchased Mechanical Failure Service Contract dated XXXX/XXXX/XXXX for {$1600.00}. Issues with car from onset of purchase. Was told at time of purchase to bring back to dealership with any concerns. Did so, was informed the XXXX individuals that assisted me were no longer employed. They could not assist me. They wanted me to trade the car versus assisting me with the utilization of the warranty. 

Well due to mechanical issues and such, I have requested Capital One Auto Finance pick up the car as a XXXX repossession. This was done on XXXX XXXX, XXXX. The automobile insurance has been dropped and the tags returned to the state, but the car is still sitting in my driveway. 

Capital One states there is a legal issue in picking up the car as a XXXX repossession. I feel there was a breach of contract in the mechanical failure service contract. 

Please assist me in resolving this issue and understanding why the service issues were ignored by XXXX XXXX XXXX and why Capital One will not repossess the vehicle.
Consumer complaint received 2015-11-22
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (FL)

Chase is the bank named in this complaint, but from the posted deposit and overdraft agreements of other banks, their policies are the same. When you do n't maintain a certain balance in an account, you do n't qualify for the fee-free accounts. So already you are paying a monthly fee. But let 's say you misjudged the amount of time it would take a check you sent out to post to your account, or had an auto-pay bill post before your deposit goes in ; then Chase will take all your incoming debits and post them in the order of largest to smallest. This means that, even though you have enough money in the account to cover all the transaction but the last one, their posting method guarantees that they can charge as many overdraft fees of {$34.00} as there are transactions after the largest wipes out the balance. In my business account 's case, a {$25.00} payment ( here 's the irony ), to Chase credit card, was charged a {$34.00} OD fee, because it was posted after a {$150.00} check. So after all transaction posted, the account was overdrawn by {$110.00}, {$68.00} of which were overdraft charges. And that 's only on XXXX transactions. Had I had more transactions posting, each and every one of them would have cost {$34.00}. This could become an insurmountable amount. I have a small, struggling business that does n't always have the best cash flow, and Chase and other banks take full advantage of this by penalizing me XXXX ways. One is by charging a monthly fee for being poor, the other by posting transaction to cause the most amount of damage, and take the most amount of money from the very people who can least afford it. This practice should be stopped, and a federally regulated policy for Overdraft charges should be in place. I am all for paying a monthly fee to use my account, as it is a service I appreciate. But to be outright robbed of precious few dollars I may have, because of greed and morally corrupt corporations, this should not stand. And our regulators need to protect us from these type of widespread corruptive practices.
Consumer complaint received 2015-11-22
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Patenaude & Felix A Professional Corporation (CA)

I was taken to court by a law firm representing XXXX XXXX credit card Patenaube and Fe! ix. They switched my court date three times and I was there every time but on the third time the baliff said they won a XXXX judgement on a card with a XXXX limit. I did not hear from them again for about six years. They never communicated with us on settling this debt. Then last week they levied my savings, my cd and our safe deposit box. The savings was Social security money from a savings account that was attached to a checking account which was only receiving social security XXXX. My wife who was not involved from this debt was also not able to access our safe deposit box. Bank XXXX XXXX charged XXXX to seize our savings which was for home taxes savings.. Then this law firm told us they needed a payment of XXXX overnight. We went tour bank to do this only to find out they had already seized the cd and our savings would given them quite a large over payment.
Consumer complaint received 2015-10-01
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CCS Financial Services, Inc. (CA)

The XXXX XXXX XXXX was billing my XXXX son rather than myself, his mother. I am the primary insurance holder and responsible party that should have been contacted to settle the balance. I was unaware of the balance owed of {$12.00} and had paid for all of my known balances. I recently received a Credit Collection bill in the mail addressed to my XXXX son and immediately called the Credit Collection XXXX and XXXX who said they had made a mistake in billing my son. They have made other billing errors before and I am filing a complaint as I am concerned that this type of mistake would affect a non-responsible party, especially XXXX who is a minor.
Consumer complaint received 2016-07-25
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (OH)

I leased a XXXX Jeep Cherokee through Ally Bank on XXXX XXXX, XXXX. The Capitalized Cost Reduction, as shown on the lease contract, was {$7000.00}. The Adjusted Capitalized Cost at the beginning of the lease, and the total amount financed by Ally Bank, was {$26000.00}. 

On XXXX XXXX, XXXX the vehicle was stolen and was later recovered with damages. The vehicle was then taken to XXXX XXXX in XXXX XXXX to be repaired. On XXXX XXXX, XXXX, the vehicle was involved in a fire at XXXX XXXX and was deemed a total loss. 

The lease contract clearly defines the Unamortized Capital Cost of the vehicle as being synonymous with the lease payoff amount prior to the end of the lease term. Using the formula provided in the lease contract, the lease payoff at the time of the total loss was {$25000.00}. 

On XXXX XXXX, XXXX, XXXX XXXX determined the Actual Cash Value of the vehicle at the time of loss as being {$28000.00}. On XXXX XXXX, XXXX, XXXX XXXX faxed Ally Bank a request for a Letter of Guarantee with a settlement amount of {$25000.00}. 

Rather than sending the Letter of Guarantee, Ally Bank stated that they would need to see the vehicle valuation report before issuing the Letter of Guarantee to insure that the settlement amount was for the full Actual Cash Value of the vehicle at the time of loss. 

Ally 's Total Loss Department claimed that, per the terms of my lease contract, the insurance company owed Ally Bank the full value of the vehicle so that Ally could replace their car. However, nowhere in the lease contract does it say in the event of a total loss that Ally Bank would be owed the full Actual Cash Value, the full Fair Market Value, or the full settlement amount paid by insurance. 

After receiving the vehicle valuation report, Ally Bank felt the valuation was too low and demanded the valuation be increased before they would issue a Letter of Guarantee. On XXXX XXXX, XXXX, XXXX XXXX provided Ally Bank with an increased vehicle valuation of {$29000.00}. 

On XXXX XXXX, XXXX, Ally Bank finally provided XXXX XXXX with a Letter of Guarantee stating that they would release the title of the vehicle upon receiving settlement a check in the amount of {$29000.00}. 

The settlement amount Ally Bank received for the total loss exceeded the lease payoff at the time of loss by {$4000.00}. While Ally Bank profited from the total loss of the vehicle, I was left with nothing to put towards replacing it.
Consumer complaint received 2015-05-01
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (NY)

We need Legal Forms For Constitional Laws Business and Cooperates complaints on businesses must be made. We have the $ amount that we are paying. Send asap the fees to this company. I have credit card and am awaiting For the money to be released from www.chase.com
Consumer complaint received 2015-10-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: ACCESS GROUP INC. (KY)

Lender : Access Group ; Loan service provider : XXXXPrivate student loan. 
My monthly payment amount adjusted ( based on repayment schedule ) and I contacted customer service via telephone to verify the new payment amount ( then made a payment for that amount ). The following month I received a statement indicating that I was {$.00} delinquent on my account and that a {$10.00} late fee had been assessed. I then contacted customer service via phone again and was told that my {$.00} overdue amount had exceeded my contractual 15 day grace period and that they would not waive the late fee.
Consumer complaint received 2015-10-10
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: HSBC NORTH AMERICA HOLDINGS INC. (PA)

XXXX XXXX XXXX and XXXX XXXX XXXX have promised a Trade Line deletion in exchange for payment for a Charged -Off debt purchased from HSBC . Unfortunately, the payment was received but the written agreement for the deletion of this account 's " Trade Line '' and " all credit reporting that has been done on this account '' has not been honored. I have brought this concern directly to HSBC. Although my concerns were clearly documented with specifics, HSBC has rerouted my concerns ( with inaccuracy ) to a " request for HSBC to remove its credit bureau reporting due to debt being paid or settled in full with debt buyer ''. Clearly, HSBC 's summation is not the concern, and this gives the appearance that they simply do not care. These institutions have legal teams with great experience at wordplay, at times this only adds confusion to the consumer but not real solutions to problems that have negatively impacted the consumer through no fault of their own. Institutions like HSBC have no incentive to take my concern seriously. This huge oversight has negatively impacted my credit, and re-victimized my family. See previous reports from CFPB Case # XXXX ( and the attached ) where obscene language and abusive language was also reported -- not from HSBC. Using terms like " Trade Line '' deletion and " all credit reporting that has been done on this account '' are clear terms any consumer would reasonably expect to be honored. Any consumer would have been under the impression XXXX and XXXX XXXX. received permission to enact this promise. There should not be a need for " buried in blueprint explanations '' or exemptions as to why this promise did not or does not apply. If deception was not the intent, then I simply ask for PFS to work with HSBC to " right this wrong ''. 

We are grateful CFPB supervises banks, credit unions, other financial companies, as well as enforce federal consumer financial laws. The small guy can easily become devoured had it not been for your organization 's dedication to law and fairness. 

As it now stands, HSBC has now " dinged '' my credit report, made changes to it, and has done more harm at this sensitive time.
Consumer complaint received 2015-08-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Out of the addresses listed on my credit report, XXXX of them is erroneous, and presents an unfortunate street name that not only does not exist, but that seems to be the result of an incorrect recording of an address by someone other than me. The address in question appears slanderous.
Consumer complaint received 2015-08-31
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (MI)

I applied for & was told {$500.00} is required to start the apllication process for a mortage through Chase Bank. I paid the {$500.00} & called back to start the process after gathering my documents for submission, due to questions before mailing my documents & was told, I have to find a property before being approved. How do I know what price range to shop in? That is NOT what was conveyed when my {$500.00} taken. This mortgage is contingent upon me selling my home, which is currently on the market. When I purchased my first home, I did not have to pay an application fee. My mother has had XXXX XXXX & is now living with me which is reason prompting a search for a larger home. Her accounts are also through CHASE & at this time, we are discussing gradually closing our accounts. I specifically recapped that once I paid the {$500.00} that we can move forward, and was told yes. I am VERY dessatisfied with this process & would like answers. I will also file complaints with the other relative agencies as well. I was discouraged from sending my documents in & in fact, was stopped from compleing my sentence.Thank you for taking the time.
Consumer complaint received 2015-05-07
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: BAM Financial, LLC (FL)

I was XXXX contact by this company on XXXX XXXX, 2015. A man left a voicemail on my personal cell phone instructing me to call back regarding a business matter. They also contacted various members of my family that same day within an hour of leaving the voicemail for me. I attempted to return the call XXXX different times that day, only to be placed on hold for upwards of XXXX minutes, before either being transferred to a random voicemail or getting disconnected. 

XXXX days later, I received a " final notice '' letter from their legal department ( dated and postmarked XXXX XXXX, 2015 ), telling me I owe over {$3000.00} - an amount I do n't recognize - and demanding I pay the full balance of my account within XXXX days or the company will commence litigation and that they are presently compiling information regarding any property I own. It goes on to state that I will also have to pay the company an additional 10 % interest! plus court fees! attorney fees and processing fees. The letter states nothing of my right to dispute this debt, only that if I want to avoid further legal action, to contact them and that if I do n't pay them within XXXX days, they will assume I 'm not going to and will sue me. 

I 've already mailed a certified letter back requesting both verification of the debt and that they stop contacting me, but have not received the delivery confirmation for this letter yet. 

I received another phone call from this company today, XXXX XXXX, 2015, again asking me via voicemail to call regarding a vague " business matter '' and am hearing from the same family members as before that they are being contacted again as well. 

Also of note, the phone number for the most recent call was the same sequence of numbers as before, but appears on my caller ID as if it 's coming from another country ( i.e., XXXX as the country code, rather than XXXX for a XXXX number ).
Consumer complaint received 2015-06-09
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc. (CA)

Late XXXX or early XXXX I opened an Experian account to monitor or credit score as we were preparing to buy a home. Once we purchased our home in XXXX XXXX shortly after we canceled all credit monitoring accounts, end of XXXX XXXX at the latest. Unbeknownst to me, each month for the past XXXX months Experian has been charging my checking account {$17.00} a month. As a small number the activity went unnoticed. 

XXXX/XXXX/XXXX I called Experian to discuss the situation to which they now finally cancelled the account and stated that they never received such information to cancel the account. I asked the rep/supervisor to review the activity to verify when the last time the account was accessed, to which he stated XXXX. And as I asked him, why would I pay for a service and not use it over the past XXXX years? Because the assumption was made that the account was canceled. 

For what it 's worth, I remember vividly canceling said account - the amount hurdles one must cross to pinpoint the process to cancel account is ridiculous. Even at present day, there are no clear indicators on how to cancel your account without doing site search. 

The resolution of the call with the Experian supervisor was a canceling of the account and 1-month reimbursement. While recouping last 's month charge is nice, but it 's certainly laughable in the grand scheme of things when you 're looking roughly {$450.00} worth of total charges. 

To sum up my XXXX issues with Experian:1 ) Them dismissing my cancellation2 ) Inability for consumers to easily pinpoint how to cancel an account. all over the site XXXX can sign-up but canceling is much more complex. It 'd be nice if a policy was sort-of set like email subscriptions, publishers must provide an easy to access un-subscribe function
Consumer complaint received 2015-05-05
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (MA)

After an inquiry by the financial mobile application, mint, about a bank account that I do not have knowledge of, I attempted to obtain my credit report. I tried both XXXX and XXXX, but was unable to access my report, because I could not confirm my identity. In this section, I was asked about loans and bank accounts that I do not have knowledge of. For example, I was asked, " In XXXX, you obtained a car loan from which of the following providers? '' To this question, and others like it, I replied, none of the above, assuming that they were trick questions. However, I was told that my identity could not be confirmed, because I answered these questions incorrectly. This confirmed my suspicions that my identity has likely be stolen, but I am incapable of providing proof to the FTC, because I can not access my credit report.
Consumer complaint received 2016-02-28
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MO)

we where trying to buy a dog, after agreeing on the dog to buy we transferred them money as payment for the dog and shipping. after they received it they told us that they needed more money for shipping, we told them no. ( they asked for {$1400.00} ) after talking and came to no agreement we asked for a refund and that we are no longer going to buy the dog, they told us that they can not refund us the money cause they had already spent it. i have contacted money gram over this, but do to language barriers it was hard to understand them, i be leave they are making a report on this and going to email me about it, i will fallow up with them more.