davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-28
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (CA)

I sold some personal items on Ebay which owns PayPal, Ebay charges a 10 % fee for the service, they force you to deal with PayPal ( which they own ) in order to receive the funds. PayPal acts in the capacity of a bank, they receive the payment from the buyer and then process by wire to the seller. The problem is they charge a 2.9 % fee for their service. They do not inform the consumer of the amout of time for the transfer nor do they allow for alternate methods of payment that will avoid having to pay the 2.9 % fee. they received the payment from the buyer on XX/XX/2016, as of today XX/XX/2016 I have not yet received the funds, neither have they transferred to the Federal Reserve for wiring into my account. They are charging for services while earning interest on my money and not providing any refund or rebate on the fees, they act as a bank even though they claim they are not one. I want a refund of the 2.9 % fee since they have not provided any services for this fee, in addition this fee should be a part of the ebay fee charged of 10 % this is usury.
Consumer complaint received 2015-06-01
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Paypal Holdings, Inc (MS)

I have XXXX PayPal accounts. PayPal restricted all accounts in XXXX 2014. They were very difficult to reach. When I did reach them, they asked me to send them some information, which I promptly faxed to them. I called them once again, and they told me they would release my money in 6 months. While I was extremely unhappy about them essentially stealing my money for 6 months, I decided to wait it out. Now, it 's been more than 6 months, and PayPal will not give me my money. 

XXXX account is XXXXXXXXXXXX. I has {$180.00} in it. Another account is XXXXXXXXXXXX. It has {$310.00} in it. The last account is XXXXXXXXXXXX. It has {$700.00} in it. 

I would greatly appreciate your assistance in getting my money back. 

Thank you, XXXX XXXX
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (IL)

According to XXXX last checked ( XX/XX/2022 ), Exeter XXXX XXXX has violated my rights pursuant to 15 USC 1681b ( c ) ( c ) and unlawfully furnished my report and was not initiated by me. Also 15 usc 6208 ( b ) and did not inform me of the opting out. Furthermore 15 usc 1692 ( c ) ( c ) is my right and I am exercising it. The experian website is showing late payments from 5/2021-09/2021.
Consumer complaint received 2016-09-02
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (TX)

Paypal banned me for life because they say I violated their Terms of Service. I added money to my account using their XXXX cards and spent it using my Paypal Debit card. They previously gave me a " warning '' against getting cash back at the grocery store so I avoided doing that. In the end, buying a pizza and clothes for my kids got me a lifetime ban from Paypal. I explained that I 'm feeding and clothing my kids but their phone agent could n't care less. She had a sarcastic tone and I could hear her rolling her eyes ... .. 
When they point to an opaque wall of text XXXX to justify hurting my family over nothing it makes me angry. If they 're trying to fight money laundering or whatever they 're doing a lousy job.
Consumer complaint received 2016-11-01
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Corp Solutions Inc. (FL)

I am receiving calls from a company that asserts that I still owe money on an account that I paid off in XXXX 2013. 
This account shows " paid, closed '' on my credit report since XXXX 2013.
Consumer complaint received 2016-02-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

After a 3 month trial modification, in XXXX 2015 I signed papers for a modification with Bank of America. Less than 2 months later, I received a letter stating my payment went up an additional {$50.00} per month despite the original agreed upon amount. Bank of America as been proven to be unscrupulous with their tactics over the past several years in regards to my mortgage.
Consumer complaint received 2015-12-10
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NJ)

1. Macy 's billing department has been harassing me via phone, mail and collections agency regarding a credit card balance which I PAID IN FULL on XXXX/XXXX/2015 in the amount of {$260.00}. 
2. I had called, emailed, and submitted several customer service emails ONLINE to report a problem with the types of bills they were sending me. 
3. Although I had been paying my bills ONLINE for several years, the online service suddenly became unavailable, preventing me from making payments online. I reported this many times, i.e. customer service, email, yet the problem persisted. 
4. Although I received no acknowledgement of my reports or complaints from Macy 's, I then started receiving PHOTOCOPIES of bills in the U.S. MAIL. 
5. Again, I called numerous times and reported this but the photocopies continued to come in the mail. 
6. During this time, the late charges/fees continued to accrue on my account. 
7. This complaint was made by me IN WRITING to Macy 's with PHOTOCOPIES of the bills I had been receiving. 
7. Finally in XXXX, 2015, I decided that I would pay the entire balance and asked them to credit late charge. 
8. On XXXX XXXX, 2015, I paid the full balance of {$260.00} minus a {$25.00} late fee, at which point, the account was at XXXX ; information that was confirmed on the phone with a customer service representative. 
9. I finally received a response/confirmation letter from Macy 's on XXXX XXXX, 2015 stating that interest charges and late fees would be credited. 
10. The letter was sent from XXXX XXXX, XXXX. XXXX XXXX, XXXX, Ohio XXXX, XXXX. 
11. At that point, I closed my file and considered the problem resolved. 
12. However, several weeks later, I started receiving calls at all times of the day ( usually one in the morning and one or two in the evening ). 
13. Initially, I would take the calls and tried to explain that I had paid my bill in full in the amount of {$260.00}. 
14. However, the calls kept coming, and finally, the account went into Collections. 
15. For the past few months, I have started receiving ORIGINAL bills from Macy 's for late charges/fees that they were STILL charging despite my payment in full on XXXX/XXXX/2015, and their letter dated XXXX XXXX, 2015 confirming that late charges would be credited.
Consumer complaint received 2020-07-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Berlin-Wheeler, Inc. (Kansas) (KS)

I have been speaking with Berlin Wheeler and XXXX XXXX over the last 6 months in XX/XX/2020 XXXX XXXX advised Berlin Wheeler to remove the debt from my account and transfer it to the responsible party. I have followed up with Berlin Wheeler mulltiple time in which they have stated the debt has been removed from my account and transferred to the correct responsible party and that they have submitted request to be removed from my account. It is still showing up and the dispute results do not indicate that they have submitted request to remove from my account and that they are holding me responsible for this debt.
Consumer complaint received 2017-10-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P. (NV)

Southwest Credit System is trying to collect a debt that is passed the statue of limitations for Texas. The statue of limitations is 4 years and the debt is 4 years and 4 months old. By law, they can not collect on this account. I have mailed multiple letters to the company explaining this matter and received no response. In lieu of suing the company for violating the law, I want the company to : stop attempts for collecting the debt, remove their information from ALL credit profiles, and agree that they will not longer sell my account to another collection agency per Texas Law.
Consumer complaint received 2016-12-04
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC. (SC)

In XXXX of XXXX, we notified XXXX XXXX XXXX that we were abandoning our home due to job loss and relocation. We filed for Chpt XXXX bankruptcy. The bankruptcy was discharged in XXXX of XXXX. XXXX filed for exemption from the bankrupcy. We listed the property for sale after coming to agreement with XXXX for a short sale. We received a full cash offer for the home at the appraisal price. XXXX then sold the loan to Penny Mac. Since XXXX of this year we have provided paperwork to Penny Mac to again initiate and seek approval for the short sale to the same buyers. We are now receiving collection letters from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NJ - the letter asks for XXXX and says " Your creditor is XXXX XXXX XXXX. ''
Consumer complaint received 2016-06-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (CO)

PHH Mortgage bought our loan from XXXX. They failed to apply the funds from our original escrow account to our homeowners insurance company. They claimed that they sent us a disbursement check twice, but we have not seen this. They are now claiming that we owe them more in our mortgage because they are charging us for XXXX escrow accounts, since they are claiming that they sent us the disbursement check and they paid our insurance company. They have not sent the disbursement check and it has been more than the 30 days required for them to resolve issues.
Consumer complaint received 2016-08-11
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP (CO)

US Bank, unauthorized, paid a {$470.00} bill via my checking acct bill pay to a different bank and acct #. They acknowledged mistake but their bank is too big without proper leadership to be able to correct their problem - which became mine. My perfect credit rating is now at risk, I ca n't pay the correct biller because US Bank 's bill pay is corrupted. They have no accountability nor proper customer service.
Consumer complaint received 2022-09-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (FL)

I got a bank statement in the mail recently for the statement. XX/XX/2022 through XX/XX/2022. I never opened up an account with this bank but it has my name and address on the account. I called TD Bank and they connected me with their fraud line and I spoke to the lady she told me that she was gon na put a lock on the account and do what she had to do to close the account on her end and recommended I do this.
Consumer complaint received 2021-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: WELLS FARGO & COMPANY (TX)

Following a billing dispute. two disputed transactions # XXXX and # XXXX, there were two provisional credits on my account totaling {$720.00} after i made {$1000.00} wells fargo sent a credit balance of {$720.00} by check XX/XX/2020, check # XXXX, but had to be reissued on XX/XX/2020, with check # XXXX {$720.00}. I take wells fargo 2 month to issue a check to arrived, when that check was cashed it was return and bank has to charged me {$12.00} fees.
Consumer complaint received 2016-10-03
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK (FL)

Dear Discover Bank, I am submitting a claim on my credit card because I have been scammed. I was lead to believe they were going to try to help me with a Federal Grant. I was going to try to help out my sister because she has been out of work for several months, help my son get on his feet with a business, to look into getting XXXX to help on our electric bill, and help pay on my credit cards because I been helping my son and daughter out. This company has pulled funds with the following information and date : XXXX/XXXX/2016 XXXX XXXX Sales {$5000.00} XXXX/XXXX/2016 XXXX XXXX {$3000.00} Please reverse these charges as I do not except these charges. Please Help Me.
Consumer complaint received 2017-01-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have been attempting to get a loan modification from Select Portfolio Services for 9 months. They have continually delayed this process by asking for the same items over and over again. 
In the last 2 months they have set a sale date of my home in violation of California and Federal law specifically the dual tracking law as a part of the homeowner bill of rights.
Consumer complaint received 2018-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (FL)

After reviewing my credit report I have several accounts opened in my name over the past few years. I have tried to fix these issues and they keep coming back as mine. I work 50 hours a week with 2 roommates who are able to order things without my knowledge ( In which Im also pressing charges ) ... I told this company even though you guys have my address I did not open these accounts and I talked to someone who stated the accounts were opened with just my last 4 digits of my social. Im sure if my full social was asked for this could have been avoided.On top of these accounts on my credit XXXX and XXXXXXXX XXXX continue to attach late fees on a closed account and XXXX sent this account to collections.I will not pay for a account I did not open and your company need more information than just the address is the same ... Before i get my lawyers im giving this company one final time to make this right as this has been a nightmare and Im unable to purchase a house. I am asking for proof that I open this account something more than a  matching XXXX address.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights for the amount of {$950.00}. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instruction to do so.
Consumer complaint received 2022-09-06
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc. (CT)

In XX/XX/2022 I decided a voluntary repossession would better suit my situation, and on XX/XX/2022 the car was sold at auction - the Fair Market Value of the car was greater than the sold amount and so they applied the XXXX to the balance. I received a deficiency notice in XX/XX/2022, and that said my balance was {$2200.00}. On XX/XX/2022, I settled with Santander Consumer USA for {$580.00} and we agreed to 3 payments between XXXX, XXXX and XXXX. I made my payment on XX/XX/XXXX and I found out they applied the payment to interest - but they put my account as charged off ; a charged off account can not accrue interest. My credit reports show a balance of {$1200.00}, my online portal with Santander shows a balance of {$730.00}, and the settlement letter from Santander shows a balance of {$1400.00}. I refuse to continue to pay towards a settlement when they refuse to report correct balances, lie to me every time I inquire of these discrepancies over the phone, and put my payments towards interest that shouldnt exist.
Consumer complaint received 2017-01-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: American Financial Resources, Inc. (UT)

My mortgage company " American Financial Resources '' has charged me {$5.00} to {$10.00} extra for my monthly mortgage payment, depending on which day I pay. Typically, after the XXXX of the month a {$5.00} fee is added in addition to my payment. After the XXXX of the month a {$10.00} fee is added in addition to my payment. The official late charge is never assessed unless the payment is received after the XXXX of each month. My mortgage payment is not due until the XXXX of each month. There extra fees do not appear on my XXXX form for tax purposes. Are these fees charges by AFR ethical or legal?
Consumer complaint received 2015-07-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Keith D. Weiner & Associates Co., L.P.A. (OH)

I had a debt that was issued by the Ohio Attorney General 's office for a school debt. This debt was handed over to the Law Officed XXXX XXXX XXXX XXXX XXXX XXXX located in XXXX Ohio. 

I was contacted XX/XX/XXXX about the debt and immediately arranged payment arrangements. 

I 've been making payments as agreed on time since XX/XX/XXXX on the balance owed. Repeatedly during that 1 year time frame I receive calls at least once a month despite " making my payments like clockwork ''. 

In XX/XX/XXXX the USPS lost a priority mail payment and i did my due diligence and contacted the debt collector inquiring about the lack of received payment and gave them a payment over the phone. I also instructed them to NOT cash my first check if it finally showed up. They proceeded to cash the check when it arrived 10 days later anyways but my bank resolved that. 

Today, in XXXX, i received a call at my job from a different rep demanding I double my monthly payments or be sued and have my wages/taxes garnished. 

The threats continued thru this conversation despite the rep, XXXX XXXX, agreeing that i 've made " all my payments like clockwork '' in accordance with my payment arrangement. Some of the threats made by the rep, were in her words, on behalf of the Ohio Attorney General. 

I do n't know what is legal in this regard but if I 'm adhering to my payment arrangement then I should n't be receiving calls at my place of employment demanding I double my payment or face a lawsuit and wage garnishment.
Consumer complaint received 2016-09-23
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Navient Solutions, LLC. (TX)

To Whom It May Concern, In advance, thank you for your time with investigating this submitted issue. To begin, my student loan accounts ( federal/private ) were originally assigned to XXXX XXXX but were reassigned to Navient a few years ago. Unfortunately, due medical/financial reasons lead me to file Chapter XXXX XX/XX/XXXX, which XXXX XXXX was the provider at the time. Essentially, my bankruptcy case was discharged XX/XX/XXXX in which there was no correspondence or communication of student loans payments sent to my residence or phone calls. 

Oddly, I discovered an email nearly 8-10 months within my " Junk '' folder from Navient ( unknown source at the time ) about payments past due. As a result, I contacted Navient to further investigate the suspicious email and was advised they assumed ownership of my student loan accounts. Immediately, I requested to consult with a supervisor to obtain the reason why I was not contacted via letter/phone call/etc about this matter. Upon further review, Navient had " out-dated '' contact information and claim there were no other source of contact. Furthermore, my contact information was updated and payment arrangements were established. 

In the meantime, I requested my credit report 2-3 month later and noticed numerous late payments were listed during my bankruptcy period and during the discharge process. Immediately, I contacted Navient to inform advise them of the late payments on my credit report in which the supervisor advise she will submit a request to have all the previous late payments removed. Unfortunately, the late payments still remain on my credit report and the supervisor that was assisting me through the duration of this process is no longer an employee of Navient. 

In closing, I 'm desperately requesting assistance with this matter which is preventing me from restoring my credit history and obtaining new feasible loans ( auto/home/etc. ) to support my family. Overall, this neglect from Navient is unfair my credit history that reflects events that I did not intentionally/unintentionally commit but suffering the consequences. Lastly, I sincerely hope substantial evidence will be revealed to resolve this matter. 

Again, Thank you for your time ...
Consumer complaint received 2021-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 4. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 9. DEPT OF ED on XX/XX/XXXX XXXX Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Consumer complaint received 2017-03-15
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: CNG FINANCIAL CORPORATION (TX)

These people are calling each and every one of my telephone lines constantly, several times a day, every day. I need this to stop. They are sharing my information with others and have contacted me on numerous occasions at my place of employment. They are harassing me and my children and making threats, going to my home and banging on the door at all hours. They 've made numerous withdrawals from my account and are saying that I still owe money. I need them to stop immediately.