davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-23
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc (CA)

My paypal account has been put in a negative balance by paypal because another paypal user claimed to have their account hacked and then used to purchase something that I sell online. There were XXXX transactions which amount to almost two thousand dollars. Now, my other paypal account has been limited, and paypal has frozen the entirety of my money. Which includes money I need to live, pay for my prescriptions which are vital to my well being, and just daily expenses. I have provided paypal with enough evidence to prove that the other party involved lied in order initiate a chargeback, and therefore, leaving me with such a large negative balance. I have correspondence between XXXX XXXX and I. There are emails, proof that they were in fact the owner of their paypal account, and screenshots. I provided overwhelming evidence to paypal that they were in fact in the wrong, but they still decided to freeze my funds. Months have passed and they still are telling me that I am required to pay the debt. Not only did I lose my product, but I also lost the money I received as payment for said product. I have called countless numbers of times trying to solve the issue, but paypal will not budge from it 's place of power. I have been taken advantage of the fact that the seller is almost guaranteed to lose a dispute against anyone that starts one against them. I have not been able to pay any bills, eat, or get my prescriptions vital to my well being.
Consumer complaint received 2016-02-19
Product: Money transfers — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (MA)

My brother decided he was going to use PayPal to send me the rent and bill money he owed me for last month. He mistakenly checked the box for " goods & services '' when asked by the PayPal process. Once his transaction began to be processed, PayPal sent me a notice claiming that I had " {$850.00} '' coming to me in the form of an " eCheck. '' Then, after receiving a notice that the eCheck had 'cleared, ' I went to my PayPal account to find that they had deducted {$25.00} from the {$850.00} for reasons that were unclear. When I complained, they sent me their fees policies to read. When I could n't find a reason that justified the action, I replied. I have heard nothing since. After discussing the incident with my brother, we have determined that they must have deducted the money from the transaction because he checked the " goods & services '' box. What we do n't understand is, why would they deduct for this service and not the identical " Send money using your bank account for free '' service '' And, why is there not a confirmation with the receiver as to whether the transaction is indeed for " goods & services '' before abjectly penalizing the receiver for it? Also, is it not fraudulent to state to the receive via an email that they have " x '' amount of dollars coming to them, show a pending transaction under the " Activity '' section of the site that confirms the " x '' amount with a line item for " fee '' of {$0.00} underneath, but after the transaction has 'cleared ' the fee magically turns into " XXXX percent of the transaction amount? '' This is textbook grift!
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Consumer complaint received 2016-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

My wife and I both have initiated disputes with Experian over the last couple month 's in regards to a TAX LIEN that has been paid. They sent us documentation stating that they need more time to verify. Experian has been given more then the time allowed under Federal Law. I have a document from the court stating that they DO NOT VERIFY information with Experian or any other credit reporting agency, also the letter shows the TAX LIEN as PAID. Please assist in getting this updated. We have exhausted all efforts and are considering filing a civil lawsuit with the assistance of our attorney. 

All we want is for the Tax Lien to show paid so we can move on with our lives. 

Thank you so much CFPB!
Consumer complaint received 2015-07-23
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: CITIBANK, N.A. (TX)

I went to XXXX University from the fall of XX/XX/XXXX to XX/XX/XXXX. I decided to apply for student loans with Citibank because they were one of the only loan companies that I could get a loan through with my credit and a cosigner. Since graduating XX/XX/XXXX they have sold off some of my loans to XXXX and kept the majority that had very high interest rates. They allowed me to put them in a forbearance for a certain amount of time but once that time was up I was not able to defer them any longer. I had to jump through hoops to get them to put them into a forbearance while I was away for XXXX and would n't have access to electronic devices to be able to pay my bill. I did not get a good job out of college and have struggled thus far to be able to pay the {$430.00} monthly payment that they offer no other payment plan for. This is on top of a {$120.00} payment to discover and almost {$200.00} to federal loans. I fell behind on my payments and they would call me at least XXXX times a day ( from various phone numbers ) starting at XXXX central time and not letting up until XXXX or XXXX. I also received at least one letter a week demanding payment and have a stack, almost an inch thick, of letters from them, my co-signer also received these letters. This was not only stressful and humiliating, but it was also depressing and made me regret ever going and getting a college education. I have recently had to take out a small personal loan to get caught up on the payments, but was unable to even get a loan for more that XXXX dollars because of the negative impact the Citi Student loans had on my credit score. They are unwilling to negotiate a lower payment amount and I ca n't find anyone that would even consider consolidating loans from them. Their associates are much less than pleasant to speak with and leave me feeling like I have no self worth after talking to them. Overall my college education feels like a disappointment because the job market is not that great, and I 'm stuck with student loans from a company that 's money hungry and unwilling to make any kind of compromise with their customers.
Consumer complaint received 2015-07-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FMS Inc. (IL)

FMS, Inc keeps wrting to me regarding an alleged debt to XXXX of {$200.00} for a XXXX credit card. I have never had a XXXX credit card. I called XXXX and they verified that I do not and never did have an account. I have explained to FMS that their information is incorrect but they do not listen and keep harassing me.
Consumer complaint received 2016-01-17
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (SC)

On XXXX/XXXX/13 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX SC borrowed money from Onemain Financial Inc, XXXX SC. Payments were not made and the account was sold to XXXX XXXX XXXX. XXXX XXXX is attempting to collect the debt from me, I have informed them of the error but that does n't help. They continue to try to collect from me. I 'm an XXXX year old man totally debt free. My house, my cars and everything else I own is debt free.
Consumer complaint received 2015-07-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I received a negative credit report due to defaulted private student loans. Subsequently, I negotiated with my lending company and agreed to a full and complete settlement on XX/XX/XXXX. On XX/XX/XXXX, I formally requested ( via a letter from my lawyer at XXXX XXXX XXXX at XXXX University ) that the debt collection agency ( XXXX, XXXX, & XXXX ) update that information with all XXXX credit reporting agencies. 

As of Monday, XX/XX/XXXX, my XXXX credit report incorrectly shows my account with XXXX, XXXX , XXXX XXXX ( XXXX XXXX XXXX ). Visible are a " Payment History '' section, and Status Details reading " This account is scheduled to continue on record until XX/XX/XXXX. 

Likewise, as of Monday, XX/XX/XXXX, my TransUnion credit report incorrectly shows my account with XXXX, XXXX , XXXX XXXX in addition to a XXXX listing with XXXX. ( These XXXX listings pertain to the same loan which changed hands several times between XXXX, XXXX, and XXXX. ) Both of these accounts show as " open '' and " placed for collection. " My XXXX credit report was correct when I pulled it in XX/XX/XXXX. 

The Fair Credit Reporting Act creates a " duty to correct and update information '' for entities that furnish consumer information to credit reporting agencies. Because I paid a full and complement settlement of this debt, I am requesting that you assist me in ensuring all necessary changes to update and report this debt ( in all its names ) as paid, closed, and settled with all XXXX credit reporting agencies.
Consumer complaint received 2016-03-24
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Centric Asset Management Inc (KY)

A person named XXXX XXXX from Centric Assets and his " supervisor '' keep calling my work. I 've tried to find them online, and I can not find any legitimate record of them. The debt is being paid through a legitimate collector, and is not in the amount that they claim. I have asked for a validation letter, and they keep saying they have sent it to my current address, which I gave them the first time they called and to my current email. I have received nothing. They seem to be very unprofessional. I was told that XXXX " was n't gon na play with me anymore '' and that he expected better of me because I was " XXXX ''. These people are calling my XXXX while I am XXXX. This is unacceptable.
Consumer complaint received 2015-07-23
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Security National Automotive Acceptance (VA)

I purchased a XXXX mustang from a used car dealership in XX/XX/XXXX. The car had some issues, so I traded it in a few months later for a XXXX mustang. The dealership stated we could do an even trade of the value of the new vehicle to be the same as what I owed on the old one. So I took out a loan on the new vehicle believing the dealership was going to pay off the old one. A few months passed, I had to go XXXX, and I eventually found out that the dealership went out of business, did n't declare bankruptcy, did n't list me as a payee, and basically left me high and dry with twice the amount of debt I was intended to have.
Consumer complaint received 2015-07-24
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MI)

In XXXX my mother was clinically diagnosed with XXXX XXXX, her drivers license was taken away and she became unable to care for herself. Immediately following this diagnosis, my mother became a victim of XXXX, fraud and identity theft. In XXXX XXXX XXXX of my sisters took advantage of my mothers illness and applied for a reverse mortgage through Wells Fargo Bank. 

In XXXX I filed an official police report on my mothers behalf. A warrant was issued for my sister, but she fled the State. My sister fled to another State, where she was eventually arrested, convicted and sentenced to federal prison for several financial related crimes that she committed in several other States. 
In XXXX I became my mothers court appointed conservator and guardian. For the past 3-years I have been cleaning up the mess that my sister and other siblings have caused. 

I have written Wells Fargo numerous letters regarding this case. They have not even considered my mothers illnesses, nor have they even bothered to investigate this matter on their end. I was able to receive a full copy of the original reverse mortgage application. The loan documents are a clear indication that my mother was confused and did not know what she was signing. This is evident by the fact that several times she signed her name wrong, signed her name in the wrong place, and or did not sign all of the required documents. 
In my opinion the notary and or loan officer should never have proceeded with the process.
Consumer complaint received 2015-07-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NC)

I sent a previous dispute regarding these accounts XXXX XXXX XXXX and XXXX XXXX XXXX I have added additional information with an updated police report that lists these accounts specifically with the account numbers and an ftc report that has been notarized XX/XX/XXXX these accounts are fraudulent and need to be removed asap it has caused countinuous issues with my family because of the identity theft
Consumer complaint received 2015-11-13
Product: Prepaid card — Electronic Benefit Transfer / EBT card
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX forms are submitted.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX has forms for lost credit cards free they at XXXX won, t release lost credit cards XXXX , XXXX XXXX Branch Manager, XXXX XXXX left on claim without issue money or funds on our account XXXX left and we won the Grace Period represented by XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX represented in Federal Court XXXXXXXXXXXX represented We have XXXX. Authorize Nrt excepted application XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employment Complaint. Supreme Court has Law Judge, s Misconduct NYS Commissioner of Human Rights XXXX has harassment @ Housing Complaint. Housing Urban Development XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Novelty XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX Lawyer. XXXX XXXX XXXX XXXX. Banking in XXXX has Settlement Forms
Consumer complaint received 2016-03-23
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (MN)

Original Owner ( OO ) bought townhome in XXXX, naming XXXX as XXXX mortgagee. Loan was taken over by XXXX in XXXX. Owner of XXXX mortgage since XXXX XXXX = Bank of NY Mellon ( BANK ), Trustee under a XXXX XXXX XXXX. BANK first filed notice to foreclose on home ( on which no mortgage payments had been made since XXXX ) in XXXX XXXX. OO ( who also became delinquent on her association dues in XXXX XXXX ) vacated home in XXXX XXXX. BANK filed a second notice to foreclose in XXXX XXXX, but again it never completed its foreclosure on this zombie home, delaying the sale date 8 times into XXXX. Our Homeowners Association ( HOA ) has records of notifying the bank at least ten times that this home had been vacated, and later that OO had won personal bankruptcy protection in XXXX. XXXX begged BANK many times to winterize home, but it refused, since squatters had moved into home in XXXX XXXX. Because of BANK 's failure to act, HOA foreclosed on this home in XXXX XXXX and paid to have squatters evicted later that year. HOA then fixed up the home that had become literally a " bunny '' sty. In XXXX XXXX agents of BANK broke into the home that HOA then owned without any warning to HOA. Severe damage was done to locks and doors by BANK 's agents. HOA then leased this home in XXXX XXXX for 18 months. BANK finally decided to foreclose on HOA 's home in XXXX XXXX. BANK sent notice to only HOA 's lessees, but never to HOA, despite the fact that HOA had been clearly recorded as the home 's owner. Throughout XXXX BANK ( through its third XXXX ' attorney ) willfully and in utmost bad faith ignored multiple requests from HOA 's attorney to negotiate a settlement with HOA. Without advising HOA, BANK auctioned off this home online in Fall XXXX. Successful bidder was a Flipping Company ( FC ). FC refused to pay HOA all that the BANK had cost HOA. Attorney for HOA tried again to negotiate with attorney for BANK ; but BANK refused to acknowledge any responsibility, claiming that the FC should be responsible. HOA 's attorney asked to see purchase agreement between BANK and FC, but BANK refused. In XXXX of XXXX, HOA reached modest settlement with FC, and later in the quarter released its association lien on the home. FC now owns the home, but HOA never reached any agreement with BANK. Since the BANK first refused to foreclose on this home in XXXX, the total NET losses ( after deducting lease income and amounts recovered under settlement agreement with FC ) that have been incurred by the members of our tiny, XXXX, townhouse community, solely because of the negligence of the BANK = {$21000.00}. These are only the special damages ; they include no general damages ( pain & suffering of volunteer HOA directors... who devoted more than XXXX unpaid hours to this problem ), nor any punitive damages, for the egregious and willful negligence of the BANK since XXXX.
Consumer complaint received 2015-07-07
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (OR)

I consolidated a previous loan I had so I could get a lower interest rate. When they paid off the original loan they typed in the wrong amount and it ended up leaving a balance on the original loan. I had received a letter in the mail telling me they had to reopen the original account because there was a balance due. This happened in XXXX 2014. When I brought it to my bankers attention he said he would look into it. My calls were being ignored and I kept getting the run around. When he found out what happened he told me I would have to pay the balance off and I said no I was n't because it was their error not mine. This is still not settled and has been going on since XXXX. I also filed a complaint with the XXXX in XXXX. I recently sent documentation with my last response that showed it was their error. They still insist I am in the wrong which I am not.he new loan was set up with auto pay. My payments have been on time with sufficient funds to cover each payment. 
On XXXX XXXX I had more than enough in that account to cover the payment but they only took a partial amount on then XXXX and said I had insufficient funds. From that point on it has been a nightmare. This is causing me great frustration and stress. 

If there is anything you can do to help me I would be so greatful. 

Please contact me if you need anymore information. 

Thank you
Consumer complaint received 2016-02-23
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (NY)

To Whom it may concern, My name is XXXX XXXX and I am contacting you regarding an issue that I have been having with PHH Mortgage Corporation. My loan number is XXXX. I have recently recieved a forclosure summons from PHH Mortgage Corporation. I have been making my payments, however, PHH Mortgage Corporation is claiming that I have been in default of my mortgage since XX/XX/XXXX. PHH has been rejecting my payments since XX/XX/XXXX for no explanation and without my knowledge. I am attaching a link that contains a record of my bank statements from XX/XX/XXXX to the present date, supporting the fact that I have indeed been making my mortgage payments. Also, PHH Mortgage Corporation is claiming that I owe {$24000.00}, however they only refunded a total of {$15000.00} to me. 


XXXX My payment history according to my bank statements is as follows : XXXX XXXX, XXXX I paid XXXX XXXX XXXX, XXXX I paid XXXX XXXX XXXX, XXXX I paid XXXX for payment due for XXXX XXXX XXXX XXXX, XXXX I paid XXXX XXXX XXXX, XXXX I paid XXXX XXXX XXXX, XXXX I paid XXXX for the months of XXXX XXXX, and XXXX XXXX XXXX XXXX, XXXX I paid {$6100.00} for the months of XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX {$6100.00} was refunded to me without my knowledge. In XXXX, XXXX my monthly mortgage payment decreased to {$3000.00}. 



XXXX XXXX, XXXX I paid {$6100.00} for the months of XXXX XXXX, an XXXX XXXX XXXX XXXX, XXXX {$6100.00} was refunded to me again without my knowledge. 



XXXX XXXX, XXXX I paid {$3000.00} XXXX XXXX, XXXX {$3000.00} was refunded to me again without my knowledge. 



On XXXX XXXX, XXXX I was served a forclosure summons. According to my records I have been falsely placed into forclosure of my home by PHH Mortgage Corporation. In conclusion, I would kindly appreciate an investigation to be done so that this matter can be concluded in a timely manner. Thank you for your time and consideration. 





Sincerely, XXXX XXXX
Consumer complaint received 2016-01-17
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (FL)

I am receiving attempts to collect from a company ( XXXX XXXX XXXX , XXXX ) I am not aware. In addition, the company ( Onemain Financial , Inc ) is listed, as the original creditor, I am unaware. I need to prove from XXXX XXXX XXXX that are attempting to collect a fraudulent debt. I need to see an original contract signed by me. I am know that I have never signed a contract with either of these companies. I have looked through my personal paperwork ( contracts signed from XXXX ). I have no records of a contract by me with XXXX XXXX XXXX or Onemein Financial. XXXX XXXX XXXX has been report erroneous information to the crediting reporting agencies of a " bad debt. '' If XXXX XXXX XXXX has proof of debt with my signature, I want the company to produce that information. As a now, I receiving notices from a them and I have no idea who they are and what " debt '' there attempting to collect. If this attempt is legitimate, I sure the company will comply and produce the original document establishing a " debt ''. 
This is an attempt to establish if this is a valid attempt to collect because I have no knowledge of these companies and signing any contracts with them.