davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-09
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (AZ)

This is a complaint from XXXX XXXX against IQ Data International for IQ Data 's failure to provide requested information for the debt alleged. On XXXX XXXX, 2016, consumer, XXXX XXXX, received a demand letter from creditor, IQ Data International. On XXXX XXXX, 2016, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
On XXXX XXXX, 2016, IQ Data responded with the same information as the original letter, and no addition information proving ownership of the debt. On XXXX XXXX, 2016, consumer responded again asking for same. 
It has been over one month since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Consumer complaint received 2017-03-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Good afternoon, hope all is well ... I have tried to get the bank to remove this off my credit report ... According the them we were late on our payments for over a year, which is not correct we have made every payment on time, anyway they end up selling to another lender whom we have also never been late with ... please if you could remove this from my credit report, it is Home loan services account # XXXX ... thank you in advance. XXXX,
Consumer complaint received 2015-07-11
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: The CBE Group, Inc. (IA)

I just received a certified letter from the XXXX XXXX Sherriff office that CBE Group in XXXX , IA is garnishing my wages. I do not even know what this is for or about. I did have a bill with them for {$17.00} which I have paid XXXX times. Yes, XXXX times with them. I have not gone to court with them recently to even have a verdict to garnish. The attorney is XXXX XXXX out of XXXX, IA for the CBE Group. I tried to call the CBE Group to see what this is about, but at XXXX CST their phone lines said that they were closed. Their phone line also stated that they close at XXXX CST. I also just pulled my credit report and no where on any of them is CBE Group on there. I have n't even received a bill.
Consumer complaint received 2016-06-17
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (CO)

Every time I try to use my Paypal account to purchase items on Ebay the process is hit and miss. Most times the payment is " declined '' and I am told to contact Paypal. I call Paypal and they tell me my account is fine, but the " security system '' is not allowing the transaction. I provide answers to what addresses I have lived in 20 years ago, cars I have owned, etc, this is still not good enough apparently. I receive multiple text messages and phone calls during some transactions and put in codes, this is not good enough. I just want to be able to use my Paypal account as some merchants only allow payment by Paypal, and further, eBay gift cards can only be processed by Paypal. I have called numerous times each week, sometimes on the phone for an hour or more to be told the " security system '' is holding me up, there is nothing that can be done, try again in 24 hours. I try later as directed, however some auctions or rebates have then expired, and it works sometimes, most often it is the same problem. I just want to be able to use my own money to make a payment without being denied. I have done nothing wrong and if Paypal has such stringent security requirements they ca n't let the owner use their own account this is unacceptable. This is especially concerning when most purchases only use Paypal as a checkout option.
Consumer complaint received 2016-08-31
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC. (CA)

Pre-recorded messages are being left on our answering machine. We have had this number since 2004, and we have no outstanding debts. Other debt collectors call our number asking for people we have never heard of who perhaps had our phone number prior to XXXX 2004. The recording identifies this company as " Municipal Services Bureau '' with a phone number of XXXX.
Consumer complaint received 2016-05-08
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (TX)

Paypal has repeated charged my bank account/credit card without authorization. 

I made purchases on ebay with ebay giftcard paying the full balance. On the checkout screen it was clear that the ebay giftcards I used was paying the full amount of the transaction. However 1 ) XXXX/XXXX/2016 My bank account ending in XXXX was charged by Paypal for {$100.00} for a transaction that was paid in full with a ebay gift card 2 ) XXXX/XXXX/2016 My bank account ending in XXXX was charged by Palpal for {$0.00} for a transaction that was paid in full with a ebay gift card 3 ) XXXX/XXXX/2016 My credit card ending in XXXX was charged by Paypal for {$0.00} for a transaction that was paid in full with a ebay gift card 4 ) On approx. XXXX/XXXX/2016 Paypal took {$75.00} off my ebay gift card # XXXX without leaving any record. 

I have contacted Paypal many times and never got a clear response on issues involving ebay gift card. Ebay claimed there was not enough balance on my ebay gift card, which was why my bank account/credit card was charged. This was clearly not the case in none of these incidents. My ebay giftcards had enough balance to cover the transaction, as was shown on checkout screen before I confirmed the order. 

In incident XXXX XXXX taking money out of my ebay giftcard with no communication is an act of fraud. 

After some research on the Internet I found out similar things happened not only to me, but a lot other ebay/Paypal customers. 
XXXXSiteSearch Attachment shows the balance on the ebay giftcard involved in incident XXXX clearly there was more than enough balance to cover the full amount of the transaction. 

The case ID at Payapl # XXXX
Consumer complaint received 2016-07-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: I.C. System, Inc. (IN)

COLLECTOR FAILED TO CEASE AND DESIST DEALING WITH THIS FRAUDULENT ACCOUNT WITH XXXX DIRECTLY. REMOVE ALL INVALID CREDIT REPORTING FOR ALL XXXX ACCOUNTS. ON XXXX/XXXX/2016 COMPLIANT XXXX WHERE I ASK FOR VALIDATION AND CEASE AND DESIST, BECAUSE I AM DEALING WITH THE CREDITOR DIRECTLY. THE CREDITOR NEVER SENT FRAUD COMPLIANT FORMS AS REQUESTED 3 TIMES IN VIOALTION OF FTC.
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (GA)

I am contacting you due to several issues with Navient. I took a break from school several years ago. When I took a break I called my loan company to discuss payment options. Over the years I learned that I was never given all of my options to repay. I have a file of late payments due to insufficient payment options that worked for me. After some time I was told about the deferment program which I am currently on. I have not been able to renew on time every year because Navient never contacts me in advance to renew before the deferment ends. I have been on the program for years and the renewal is never updated on time. I have contacted Navient so many times since I am still unemployed with XXXX children. I even consolidated my loans because I did n't know what else to do. I 'm unhappy when I look at my credit report and Navient still shows all the old accounts separately when though the loans have all been consolidated. I 'm so lost and broke. I research to learn how to handle my loans on my own since Navient customer service is n't all that great. With no income how can I afford over {$700.00} a month in student loans alone. How can I feed my children? We have been homeless several times but Navient does n't care. I should be halfway done with 10 years with the IBR but does it count if I do n't renew on time? Is this Navients way of keeping me in a hole and preventing me from reducing my debt by end of year 10? Is there someone else I can talk to? Will the other accounts be removed from my credit report since I consolidated my loans? Is there any help for individuals with children, no job, bouncing from house to house just to make it? Now they are being sued because others are experiencing the same issue nationwide. How will this affect me?
Consumer complaint received 2015-07-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received a notice from Bank of America : " On XXXX XXXX, your checking account will change to a Bank of America Advantage with Tiered Interest Checking account ''. 

In the new account monthly maintenance fees can be avoided by : " Keep an average daily balance of {$5000.00} or more in your checking or linked Regular savings account '' BUT when I inquired to Bank of America where on their website or statement the average daily balance was shown, I was told that this information was not available, but I could calculate it. 

My complaint is that Bank of America has created a criteria to avoid a fee but does not make the information available to the customer.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2016-08-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: United Resource Systems, Inc (FL)

I have contacted this company United Resource Systems Account # XXXX a Debt collector To remove the COMMENT on credit report ( Account information disputed by consumer ) They do n't want XXXX to remove that comment even though the investigation is over.
Consumer complaint received 2015-08-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Case number : XXXX Please note that I DO dispute the Bank of America response. The bank had no earthly interest in resolving the problem. With appalling inefficiency they asked the same questions time and time again and made me fax, email and send duplicate documents on a continual basis. This has gone on for many months even though they well knew that they would offer no relief. Their customer relationship managers insisted on making calls even though they well know that they had nothing to offer. They did this just to show that they were in contact. Bank of America refused the simplest request which was to change the due date from the first of the month to the XXXX of the month, the reason being that I receive my social security payment the XXXX Wednesday of each month. When I complained and explain that their idiotic requests were impacted on the health of an aged person they paid not attention and continued their harassment. Hopefully the government can take appropriate action against banks that take advantage of the consumer. If the bank would have told me immediately that they could not give relief I would have accepted their decision.
Consumer complaint received 2018-06-28
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: SECURITY FINANCE CORP (TX)

On XX/XX/XXXX, XXXX XXXX had my car repossessed after payment was received and illegal accessed my credit report for impermissible purposes not covered under the FCRA guidelines. They did not obtain my written consent to do so as well. So in addition to them taking my car that has been paid for, accessing my credit report without my express written consent ... they also never sent notice via mail nor email of a repossession order nor intent to repossess which is against the law in Texas. XXXX XXXX has not communicated with me by phone, mail, or email since XX/XX/XXXX. Any address change has and was reported to them. Not once have the reached out. Then to be told they placed a repossession order out on XX/XX/XXXX is outrageous. They have more than violated my consumer rights but they have also not followed the law and federal guidelines. Under the FCRA laws, permissible purpose does not extend to auto finance companies with no purpose of opening a new account. Using an individual 's credit report to obtain personal information with the consent of that individual violates their consumer rights under the law.
Consumer complaint received 2015-10-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: ZIONS BANCORPORATION (CA)

I have been banking for several years at California Bank and Trust, which originally was XXXX XXXX. My husband was added to my account in 2001. My husband was diagnosed with XXXX-which is an XXXX protected XXXX in 2007. This XXXX affects a person 's judgement and causes XXXX. I informed my contact at the bank, XXXX XXXX, and he informed the branch in XXXX where we usually do business and they were helpful. My husband does n't do much banking, does n't write checks, he mainly went there to have coffee and chat. 
Unfortunately, XXXX XXXX was forced out of his position in XX/XX/XXXX and that 's when my problems with CBT began. My husband believed I had forged his State Franchise Tax board refund from 3 years ago and wanted to get his money back. The money was debited from our account. I got a call from XXXX, the operations manager and explained the situation and thought that was the end of it. 
I had XXXX the following week and when I got home there was a letter stating that the bank was closing our account because they " no longer felt comfortable '' with us as clients. 
I feel that this is a violation of my husband 's protection as a XXXX XXXX. 
Since I was in no postion to go out shopping for a new bank, I offered to close our joint account and get one solely in my name at the XXXX branch and that was refused. 
On 10 different occasions, I attempted to contact administrators of CBT or their parent bank, Zion bank and never received a call back to me. 
The best I could get was they would keep my account open until XXXX XXXX and they did n't even abide by that-I got a returned check charge from the Gas Company because CBT woul n't clear a check on XX/XX/XXXX which was a clear violation of their agreed policyI feel that they both discriminated against us and violated fair banking practices
Consumer complaint received 2017-02-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (TX)

Navient- Numerous times I have to tell Navient how to apply my extra payments. The misplace my extra funds to make it look like I skip a payment and I still get accrued interest on the past interest and the principal amount. The principal amount is full of accrued interest that will never get paid off based on how they tackle the payment. I will never get to the point where I will never pay off with interest accruing over the payment amount. I tried to do income base since I started w navient and ever got approved. I pay the amount and there is always more interest even being on the interest only plan and then getting on regular payment plan there is still more interest than what goes to principal and interest so the extra interest gets tagged onto the principal of the loan. makes no sense I will be forever paying interest even w the princiapal. Ive been paying for 10 years and still have 20 years left. my loan balance original amount is already 4 times the amount with making payments.
Consumer complaint received 2016-10-24
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

with the EVIDENCE by the XXXX-COMPLAINT- CLAIMANTS'-EVIDENCE with the DOCUMENT-CONTRACT-FEDERAL-POSTAL-STATION-COURT-VENUE'S-PARSE-SYNTAX-GRAMMAR-CERTIFICATION-CORRECTIONS of the FEDERAL-FALSE CLAIMS-ACT, FRAUD & : MISLEADING-STATEMENTS : TITLE- .... XXXX : XXXX ... XXXX & : TITLE -- XXXX : XXXX -- XXXX FRAUDULENT-LANGUAGE with the FEDERAL-SECURITIES LAWS, RULES, REGULATION, CODES, BOXING, CERTIFICATE-ITALIZING-WORDING=VOID-OMIT '', ADVERB-VERB-SYNTAX, NO-CONTRACT-PARSE-WORDING by the SECURITY-ISSUER with the FRAUDULENT-BACKED-NO-AUTOGRAPH-CONTRACT-BACKED-SECURITY-PARSE-SYNTAX-GRAMMAR. FOR THE FRAUD-PARSE-SYNTAX-GRAMMAR-CONTINUANCE-SINCE-DATE- .... XXXX ARE WITH THE PEOPLES ' -DAMAGE-CLAIM AS THE S. E. C. -EMPLOYEES USE OF A " 2ND-GRADE-WRITING-LEVEL ''.
Consumer complaint received 2015-10-08
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: REGIONS FINANCIAL CORPORATION (AR)

I purchased a XXXX Volkswagen on XX/XX/XXXX and was financed by Regions Bank. My first payment began XX/XX/XXXX. To date, I have requested by phone, email, and postal mail that someone from that company to please send me an itemized statement of all payments received and have not received any response. The car payments was not initially behind until XX/XX/XXXX. I could not understand how the car payments had become behind. I had made several payments in cash at the local branch banks and they were not all calculated correctly even after I submitted receipts of payment. I even emailed the accounts manager at the local branch in XXXX XXXX and there have been no adjustments. This company is continuing to take my money and then report me to all three credit bureau 's as consistently late. I need help!
Consumer complaint received 2015-09-25
Product: Credit card — 
Issue: Other — 
Company: Resurgent Capital Services L.P. (CA)

I obtained a credit card from XXXX bank and due to unforseen circumstances the credit card went unpaid and eventually the debt was sold to a collection agency. This credit card was opened more than 7 years ago and it is reflected as negative information on my credit profile. According the Federal Trade Commission no debt can be reported if it is more than 7 years old and in this case it fully applies. I have written directly to the collection agency and they are LVNV FUNDING LLC and they have refused to reply to my letters.
Consumer complaint received 2016-01-15
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A. (MD)

My wife passed away last month, she had a personal credit card and a personal account with Citibank. 

I also have myself another personal account with Citibank, where I receive my salary. On this specific account my wife was a co-signer. 

After she passed away, Citibank is now charging me the bill of her personal credit card. Which I have nothing to do with. 

She had no will or state. I do n't think this is correct Citibank trying to charge me of debits from her personal credit card.
Consumer complaint received 2016-09-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (PA)

Stating on my credit report that I " Remarks : & gt ; SETTLED-LESS THAN FULL XXXX & lt ; ; & gt ; PAID COLLECTION & lt ; '' I have never paid this company a dime of my hard earned money for a account that is not mine.
Consumer complaint received 2016-03-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (NJ)

In the midst of refinancing at another bank, my current mortgage was picked up by another bank thru an acquisition. The new bank is M & T bank. They marked me late for a mortgage payment. The month prior I set up a draft, which was taken out 4 days late. No issue with the bank. 

The next month it was never taken out. I attempted to login to the banks online service & was blocked. I have a print out of this. The payment is due, per the invoice on XX/XX/XXXX. In this case XXXX XXXX. They marked me late XXXX XXXX. Interestingly, there was no late fee, but I was late for credit purposes. I learned about it from my banker doing the refi. 

M & T was no help at all. One person there said they attempted to contact me via phone regarding the draft.When I made a follow up call, the woman I spoke to had no phone number on file.
Consumer complaint received 2017-03-13
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Oracle Financial Group LLC. (TX)

Someone continues to call me from a company called Oracle Group. She originally continued to call me XXXX. XXXX is my middle name but she continued to reference it as my last name which led me to believe this could be a mistake. This person calls both my work and cell phone numbers and is very rude and aggressive. She gives the name of XXXX and can be reached at XXXX. She has called me from XXXX and XXXX. When I ask for her to send me something written so that I can verify what she is describing before speaking with her she refuses to do so, tells me the call is going to go how she wants it to and that she 'll only send me something once we 've reached an agreement and then eventually she hangs up as I continue to repeat I 'll only speak with her if I can see something in writing first. She is very mean spirited and refuses to provide me with any kind of written information. She initially said she would email me but then changed even that and said only under her terms would it go and that I was trying to control the call and that 's not how things worked. She then threatened to call my supervisor 's at my job and to send them a POE ( but would not tell me what that meant ). I will not be bullied into provided my personal and financial info over the phone to someone who will not send me anything in writing. It is extremely unprofessional and condescending.
Consumer complaint received 2016-09-22
Product: Credit card — 
Issue: Delinquent account — 
Company: Continental Finance Company, LLC (DE)

My account has been delinquent for a couple of months. As I was trying to see what to do to settle the account, I realized that the minimum payment is {$310.00} while the amount due is only {$690.00}. There is no explanation as to why the minimum should be almost half the amount due. I want to be able to settle the account but need them to give me a reasonable minimum payment and explain how they calculate their minimum when payments are missed.