davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NY)

On XX/XX/year> the XXXX XXXX business closed it's doors with a " Cease and Desist '' letter from their lawyer. I charged {$1800.00} on my Visa on XX/XX/year> for an annual membership. However, the business closed down in 2 months. I filed a dispute with VISA in XXXX, 2024. On XX/XX/year> VISA denied my dispute stating that I signed the receipt that says all sales are non-refundable. That is the XXXX XXXX 's ' policy. It is not the policy of VISA. In fact VISA should protect the consumer. The XXXX XXXX company knew they were closing down and intentionally lied to the customers so that we would all pay the annual fees in advance with the intention to scam the customers. This is premeditated and fraud.
Consumer complaint received 2016-06-18
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I purchased a car in 2000 and it got repossed by Credit Acceptance Corporation XXXX MI.This company waited 16 years later to take me to court and got a default judgement against me.I was unaware of any court date because the company sent all my stuff to the adress from 16 years ago.iI got a call from my bank saying my account was frozen so I called the number and it was Credit Acceptance lawyers telling me I owed XXXX on a XXXX dollar car the rest of the money she said was interest and late fees and it was still incurring.I did a little research and found that car loans in the state of Michigan have a statue of limitations which is 6years.I am low income.I ideel like I 've been a victim of this company illegal actions.Im also unaware of the fact of they repossed the car and probably sold it at auction.Then I suppose to only be responsible for the balanc.This company lawyers are telling me theirs nothing I can do but pay XXXX
Consumer complaint received 2015-10-21
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (NY)

Truck loan through Santander ... Truck should have been paied of they came and took the tuck and sent us a letter stating that the truck auctioned off for XXXX $ and we were responsible for the rest I have asked for a copy of the sales receipt and they have refused to provide me with one ... ... so they really sols a XXXX Fully loaded jeep commander for XXXX XXXX ..I do n't think so
Consumer complaint received 2020-05-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

On XX/XX/2020 I sent a user on Cashapp {$200.00} for an item that she was supposed to ship to me. We agreed that I would pay half first and the rest when received the item. The username on that persons Cashapp was $ XXXX and the name she had given me was XXXX. I got an email saying XXXX had accepted the money, so I send her a text asking about the shipment of the item, to which I soon find out that she never intended to ship anything. I try reaching out to her asking for my money back since she did not or can not ship the item and she tells me she will send the money back soon. I wait a couple of hours and try reaching back out to her asking if she's had the chance to send my money back and I get no response. I go to the app Cashapp and ask for a refund from her through there, but she declined the request. I try sending her a text again asking what happened, why she hasn't sent me my money back, but again, no response. I reached out to Cashapp, explaining what happened and to see if I could do anything to get my money back, but they replied back to me saying there was really nothing they could do. On my XXXX  XXXX XXXX XXXX the transaction was still pending, so I also tried reaching out to my bank. When I called my bank they told me I had to wait for the transaction to be finalized before I could do anything about it. Once the transaction was completed, I call my bank again, and explain the situation to whoever I was on the phone with from customer support. Sadly, my bank also said there was nothing they could do. I had contacted both Cashapp and XXXX XXXX XXXX, and was told neither of them could do anything. I started researching if there was another way to get my money back. As I was doing so, I noticed on my Cashapp account that the card that is saved on the app is one of my old bank cards that should not be working anymore. I tried sending a family member a smaller amount of money to see if it would go through and it didn't. Cashapp asked me to update my card information before continuing. So now my problem is why Cashapp didn't ask me to update my card information when I was sending a much bigger amount, {$200.00}, to be exact.
Consumer complaint received 2015-10-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MD)

Green Tree Lending transferred my mortage loan to Ditech ; I did n't have a good experience with Green Tree and now I 'm having an awful experience with Ditech. Since Ditech has taken over my loan they have done nothing but harass me for a payment that is not even 60 days past due. They sent a representative to my home which their customer rep says is there practice when payments are 60 days past due XXXX my account is not 60 days past due - it was due for XXXX and XXXX but as of XXXX XXXX it is not even 30 days past due ). They have sent certified letters to my home noting the start of foreclosure proceedings for my past due account. They sent a letter to my husband on XXXX XXXX noting mitigation options for the loan even though he is not listed on the mortgage. They were calling my job everyday until I ask them to call my cell phone. Now they are calling my cell phone morning and night to discuss my account even though I have informed them of my reason for falling behind in my payments and my plan to bring my account current. I spoke with a Manager today who insisted that I make my payment via check by phone because if I used my XXXX XXXX XXXX account to make a payment that it would result in a check being mailed and a mark on my credit because it would be 30 days past due. I was transferred to the Manager because I thought he was going to address the non-stop phone calls, the daily letters in the mail, and ensure that no one showed up to my home to see " if my property was vacant ''. According to the Manager, Ditech sends a representative to the home to verify if the property is occupied once the payment is 60 days past due which my account has never been. My mortgage situation XXXX home upside down ) puts my family in a position that I am stuck with these predatory lenders ( although I have a great interest rate and have maintained a good payment history until my husband 's injury ) my loan keeps getting moved around as these companies transition from XXXX to XXXX to GreenTree and now Ditech. The mortgage needs to do more to protect homeowners from greedy, heartless, collection companies such as Ditech and others like them.
Consumer complaint received 2015-11-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Synovus Bank (FL)

Debt collection agency Told me my name and last XXXX of my social security. I did not have to verify anything I just stated yes it is my social security number. This is a blatent release of my sensitive information and I would like action taken if possible. 

XXXX - Manager XXXX XXXXaddress XXXX XXXX XXXX. 
XXXX, Alabama XXXX
Consumer complaint received 2016-05-28
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC (MI)

This is a continuation of complaint # XXXX. I have gathered the information that Ditech requested. I will attach XXXX letter from me to Ditech, XXXX letters from a lawyer to Ditech, and the information that was sent with the letters. The first letter was XX/XX/2015 preceded and followed by many recorded telephone messages that were not returned.
Consumer complaint received 2016-12-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (AL)

I was offered a Loan Modification Trial Period Plan by my mortgage company, Ditech Financial, XXXX on XXXX XXXX, 2016. Based on the offer, I had to make XXXX consecutive payments of {$1400.00}, beginning XXXX XXXX, 2016. I have consistently made each monthly payment on time beginning XXXX XXXX, 2016, and I still have not received the Modification Package. Each month with my payment, I have made a written request for information about my loan such as are other options available, is the taxes and insurance included in my payment, who is the owner of my loan, etc. I have reported an error with my account. As of the writing of this complaint, I am yet to receive answers from Ditech to my questions., nor do I have the Modification. In fact, just today, I received a call from XXXX of the persons I 've been calling only to say she is in training and still trying to find out whats going on. Please help.
Consumer complaint received 2015-05-14
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Santander Consumer USA Holdings Inc. (MN)

Company ordered a local minnesota repossession agent to repo my car on a debt that was n't valid. The debt evidence/word that original creditor Chrysler Capital provided was n't a valid claim. The car was taken from my family 's drive way between the hours of XXXX on XXXX XXXX, 2015. Called the local police to report it stolen was then informed it was repossessed. Local cop called the company listed on his report and they gave him the number for where the order came from and told him I would have to call the XXXX company XXXX XXXX XXXX for more information. I called the company and asked for documentation and was told they did n't need to provide me any documents and to call the original creditor who wrote the debt off and closed all accounts I had with them. My car was taken without my consent and as of XX/XX/2015 is still at the XXXX XXXX XXXX lot in MN. With no listed Lien Holder, no debt owed, I 'm the owner of the car. No Contract and / or debt with XXXX XXXX XXXX or XXXX XXXXXXXX company XXXX XXXX XXXX XXXX XXXX refuses to release the car until they get permission from original creditor. Notices were faxed to Original Creditor, XXXX XXXX XXXX XXXX, and the third party company ; XXXX XXXX XX/XX/2015 and XX/XX/2015. Notarized copy by certified mail shortly after. No responses as of today XX/XX/2015. The car has still not been returned to me. 

Original complaint numbers XXXX and XXXX
Consumer complaint received 2015-08-13
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A. (GA)

My Mortgage loan is serviced by Flagstar. When I fell behind I began working with XXXX and was also assigned a Single Point of Contact ( XXXX XXXX ) at Flagstar. I have several recordings with Flagstar trying to get in contact with my XXXX XXXX XXXX yet after numerous calls, request for a direct email, or a direct contact number I have been told that anyone in customer service could help with my loan. I had filled out Loan Modification Documents and mailed them back to the specified address yet the documents were never received. I would have Flagstar customer service then mail out new modification documents and remain them only to have the same outcome. Now I am facing foreclosure in 2 weeks and I speak with a customer service rep. that tells me I can simply upload my Modification documents thru my online loan account. I immediately go online to access my account in which I find I am LOCKED OUT OF! I call flagstar customer service and tell them the issue and have them reset my account. I upload the modification documents as well as my XXXX documents and Point of Contact with XXXX. With only 2 weeks away from foreclosure I just received a letter from Flagstar stating my NEW SINGLE POINT OF CONTACT WILL BE XXXX XXXX!!!!! With only XXXX weeks to foreclosure I am terrified I will not have enough time to finalize either my loan Modification or HomeSafe Approval.
Consumer complaint received 2016-04-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Paypal Holdings, Inc (PA)

I have an XXXX that was a victim of fraud. We were sent chargebacks for services we had contractually completed, but PayPal told us we lost the dispute. PayPal sent my business 's debt to collection and both the debt collector and PayPal informed me that the debt was to me personally, not my business. Both told me that although I have a business PayPal account, somehow PayPal circumvents this. Neither were able to tell me legally how this is possible or where in the PayPal user agreement this is stated, but told me I was liable none the less. Neither could tell me what information I can gather from a customer to avoid future fraud.
Consumer complaint received 2016-06-26
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (NJ)

Paypal resists providing credit for items ordered but not received. I ordered a particular XXXX XXXX but did not receive it ; instead another kind that I did not order was sent to me. This was an internet sale and the seller did not provide an address or telephone number. It is not clear where the business ( XXXX XXXX and XXXX ) is located. Possibly, it is not in the U.S. The only way to contact the seller was through email ( XXXXXXXXXXXX ) but they did not respond to the email I sent about this. Thus, I had to get the refund from Paypal itself. Paypal subjects people to very long wait times. After you reach the first person, you are transferred to their " dispute '' section. However, in fact, you are simply transferred to a bunch of recorded garbage, most of which tries to get you to use their website. 

I had to wait another 5 minutes to get the dispute department. When someone answered the phone with a heavy foreign accent that made it difficult to understand what was being said, I gathered that they would contact the secret seller that ensures that its customers can not contact them directly. I reiterated my request that I be refunded the amount of the product, a small tree, for {$21.00} plus half of the shipping cost, {$6.00}, for a total of {$28.00}. It is not clear if or when the credit will be granted. 

The receipt number that Paypal emailed to me on XXXX XXXX 2016 was XXXX. It is now over a month since I was charged for something I never received.
Consumer complaint received 2015-06-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Trident Asset Management, L.L.C. (NV)

this company has placed a fraudulent account under my personal information related to an address ive never lived at for a gas bill. i faxed over the police report that my identity was stolen along with the FTC affidavit. ive called over XXXX times with no luck they keep asking me to send the police report which i have not XXXX but XXXX times. i ask that my right as a identity theft victim be enforced .i ask that this account be removed immediately since this account has hurts my person and my credit in the past and i was denied a home loan XXXX different occasions and i had to pay higher interest rates and suffered financial hardship because of them. 

I had also spoke to someone in the past and they mailed me a letter of deletion and verified the account was not mine AGAIN THEY ADDED THIS ACCOUNT and they are attempting to collect on this account.
Consumer complaint received 2017-01-04
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (NJ)

On XX/XX/2016 I put check in the my checking account the check was issue to my brother at the time and in was from prudential company. I used the ATM to put the check in I know he was not on the account that not the problem. Couple of days later I get the check back in the mail but it was not the original check it was copy of it. I have made phone calls and wrote letters asking why did the original check was destroyed. PNC destroyed a XXXX dollar check that the person who was not a PNC Bank customer. I would to know from them why they did that and not give the original check. I have been on the with customer service and went to the PNC with no answers. I would like copy of there policy about destroyed XXXX dollar check. The check was deposits in the account and withdrawal on the sameday.
Consumer complaint received 2015-07-21
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (TX)

I am a XXXX year old XXXX who lives alone. I have XXXX debt and an XXXX credit score. For almost XXXX years I have been receiving countless robo calls from TransWorld Systems , Inc . It identifies itself as a debt collection company and that the purpose of the call is to attempt to collect a debt. My telephone caller ID always shows the company name as " unavailable ''. I never answer these calls. I also have never received anything in writing about any alleged debt. When I google this company, I see many other complaints about its tactics and ethics.
Consumer complaint received 2017-01-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Pan Am Collections, Inc. (IL)

This debt collection want me to pay for a house The i didnt lve there after XX/XX/XXXX i rent this home and my lease i Was over and XX/XX/2015 and i didnt sing another lease and i mover out and They want me to pay The rent on to They rent The house again when i Was not living and that house.
Consumer complaint received 2017-03-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (GA)

I had my student loan set up as auto pay and within the last 3 months started receiving daily phone calls from Navient that my student loan payment was 1 year past due. The person who I spoke with said that they had allocated the wrong amount of the payment to the XXXX separate loans. They told me that I owed {$360.00} and then the next customer rep told me that I owe {$570.00}. He told me on XX/XX/2017 that there is XXXX loan that is 60 days past due and I needed to pay that now ( {$130.00} ) so it does not affect my credit so I did and then he told me that XXXX of the loans are now 30 days past due and I will have to pay them on Monday XX/XX/2017. I 'm still receiving numerous calls from them at all hours. I just received a call at XXXX and they call me on Sundays. I logged on to my Navient account on- line and it indicates that I only owe {$330.00} for all the loans. I am not getting any correct information and I am very confused as what is happening. Could you please assist me with this matter. 
XXXX XXXX
Consumer complaint received 2016-07-25
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY (PA)

I 've had an American Express XXXX XXXX for years. In XXXX 2016 I applied for, and on XXXX XXXX received an email that I was accepted for, an American Express Premier Rewards Gold Card. I received a letter in the mail confirming such a few days later. The card was supposed to have been sent then. 
After waiting a couple weeks for the new Gold Card, I contacted American Express through their online chat ; the rep said I would receive it in a few days but I did n't. Twice more when the card did n't arrive I chatted with a representative, each of whom said I would receive it in a day or two. However, the only thing they did was cancel my OLD ( XXXX ) card, which I did n't ask them to do. This was a big inconvenience, as in cancelling the old card, they also changed the number. And, I never received my new, gold card. 
Today I chatted online yet again with an American Express representative, 'XXXX ', who did not seem to understand XXXX well. Or perhaps she was just a poor reader. She said ( wrote ) that I had phoned to cancel my old ( blue ) card, which I had not. ( She told me to call a number to report the fraud, but I told her to do it as I 'm tired of dealing with incompetent American Express representatives ). She did n't seem to understand or know anything about my new gold card which was supposed to have been mailed to me a month ago. So I asked her to transfer me to her supervisor, which she did ( XXXX ). 
XXXX at least seemed to understand XXXX, and said that my new ( gold ) card had been mailed to me XXXX XXXX. Although two previous representatives with whom I 'd spoken had given me other ( earlier ) dates that the card was supposed to get to me, so I do n't trust that it was mailed XXXX XXXX either. He told me to phone a number to see where the card was. However, I had no desire to waste my time dealing with yet more incompetent American Express representatives, so I asked him to phone them, but he said he could n't. Nor was he able to email me or send me a message through the web site about his communication with them. 
Finally I told him to cancel both my old blue card and my ( non-existent, never arrived ) gold card. 
It is absolutely pathetic that American Express is incapable of dealing with such a simple process as sending out a new card.
Consumer complaint received 2018-08-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (NC)

On XX/XX/XXXX, I requested SunTrust provide me with 3 documents with respect to that certain document titled Loan Modification Agreement and recorded on XX/XX/XXXX. This request was not fulfilled in SunTrust response dated XX/XX/XXXX, therefor it remains outstanding. As such, please provide copies of : 1 ) Any endorsement of his document, 2 ) Copy of an allonge, and 3 ) Copy of any bailee letter. 

This will serve as my second request. - Thank you, XXXX XXXX XXXX
Consumer complaint received 2020-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (CA)

My dentist recommended I sign up for a CareCredit account to pay for some dental work. They assured me it was a interest free credit card. I set-up the appropriate monthly payments to ensure the balance was paid off in full within the yearly period allocated. However after the promotional period expired they began charging huge amounts of interest. I understand a judgement was awarded against them in 2013 for this kind of misleading and deceptive conduct. I have paid close to {$2000.00} in interest that should not have been accrued.