davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (CA)

It is hard to vocalize how difficult it is to have deal with Paypal. The representatives trying to use anyway to take an advantage and charge illegal fees for friends and family option that supposed to be free at no charge between Paypal members. They invite to add other cards on Paypal account and after that they try to charge credit cards for option family and friends and completely blocked free option and stay ignored on my inquires, emails and messages. Resolution center does not allow opening the case for any of my inquiry that they could have no records of their outrageous power abuse and my attempts to get through. They use anyway to keep their hands on my money and play with that and I have to work hard every day to XXXX them to move my money to family per my request. 
I was waiting since XX/XX/19 and I began to communicate in writing with Paypal to move my money and we got exhausted. Paypal representatives act blind and/or like they do not understand English and try to redirect my inquiries to a different issue that they made up and trying to talk to me to apply for debit business card. I had extremely difficult times to get a PayPal debit card. They lied constantly until finally I got it. But now I need a replacement card and they act like blind on my request in writing and deleted that option when I could just click on and order the replacement card. They try to block me from every possible way to access my money that they imprisoned. They imprisoned my money and charged fees that they refused to return and now even imprisoned my wishes and actions. 
These four transactions that they used their power abuse to charge illegal fees for family and friends transactions : Paypal own me {$28.00} for Transaction ID XXXX on XX/XX/19 Paypal own me {$28.00} for Transaction ID XXXX on XX/XX/19 Paypal own me {$28.00} for Transaction ID XXXX on XX/XX/19 Transaction ID XXXX family and friends request sent for {$2100.00} and Paypal does not allow me to use family and friends option and want to charge my credit cards.

My Cash Money {$2800.00} on my account and they blocked my money from me. Please help. They keep their Resolution Center corrupted that does not allow to open the case against the inside abuse. They act like thieves.
Consumer complaint received 2016-01-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (OK)

I called the number on my answering and gave the reference number, and it is not for my family. I informed this " XXXX XXXX '' at the number that I did n't know the person the debt belongs too. I also informed her that since this is a recorded line, that I have ask in the past 6 months for them to remove my phone number. Obviously, it has not been done, still.
Consumer complaint received 2022-02-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP (CT)

I rarely use this account and it seems that due to that fact, Key Bank feels that they can charge and continue to charge my account for overdraft fees. I was charged an overdraft fee due to the fact that I made a direct withdrawal for my credit card payment, but because the account went into a negative balance because of how Key Bank rearranged my account transactions, I incurred a {$33.00} overdraft item charge. I was informed by their supervisor on XX/XX/22 that this would be the only way that I would incur overdraft charges. This being due to my not opting into overdraft protection since the account was opened. However, upon checking my account just the next day Key Bank did the same thing again. Yet, this time they rearranged the posting transactions in my account so that I would be charged XXXX overdraft fees, one of which they refunded as they knew it was their error because I wasn't opted into overdraft protection and therefore should have never been charged these fees in the first place. So, I have now incurred {$77.00} in overdraft fees that should have never been charged to my account due to my opting out of overdraft protection.
Consumer complaint received 2022-09-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Foris DAX, Inc. (PA)

The morning of Tuesday, XX/XX/2022 around approximately XXXX am Eastern Standard Time, I was attempting to access my crypto.com virtual currency account in order to sell the virtual currency I have on their platform for XXXX ( United States Dollars ). The representative " XXXX '' who was, and apparently still is, attending my requests stated that I needed to produce the following documents and information to gain meaningful access to my account. By meaningful access to my account, I am referring to the ability to sell, trade or send the virtual currency I currently hold on the platform to an outside/private wallet and view individual virtual currency balances. He requested the following information in order to, possibly, give me access to my account : 1. Your country of residence ; 2. Confirmation and reason for being in XXXX ; 3. The length of your intended stay in XXXX? 

4. Please provide a recent ( issued within the last 3 months ) proof of address : Utility bill ; Correspondence from a Government department or agency ; Statement issued by a bank/financial institution, or an authorized insurer ( should you use a credit card statement, please be sure to mask the card number ). 

I was either unable or unwilling to provide those documents at that moment and have no intention of telling crypto.com why I travel, where I travel or how long I intend to stay there. I similar will not provide them any other ridiculous information they request such as how many times a day I go to the bathroom in order to gain meaningful access to my account. I see no law anywhere which states I need to give them this information in order to get access to my own money. 

Another problem with their illegitimate attempts to prevent me from accessing my account is that, in the interim between when I clearly told the crypto.com representative " XXXX '' that I wanted to sell my coins and now, the value of the account dropped from {$410.00} to {$370.00} which it is currently at now. I want the {$410.00} XXXX dollar amount I requested in the morning on the same day when XXXX and/or crypto.com would not give me access to my account.
Consumer complaint received 2016-10-06
Product: Bank account or service — Cashing a check without an account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo customer submitted a mobile deposit of {$700.00} on XX/XX/2016. On XX/XX/2016 {$700.00} was deducted from customer 's checking account after an online debit card purchase made through amazon. Customer then filed a claim for fraudulent debit card transaction of {$700.00}. Resolution of claim states that the initial check deposited was used in a XXXX deposit ( unbeknownst to the customer ) and the withdrawal made on XX/XX/2016 was an adjustment made to reverse the duplicate mobile deposit. Customer destroyed original paper item used in mobile deposit made XX/XX/2016. While the claim was under investigation, the customer was asked to open a new checking account. When funds were transferred to new account, the fraudulent transaction was erased from customer 's transaction history and account statements. Customer was asked to file a XXXX claim with mobile deposit department instead of debit card transactions department. Customer was never reimbursed for fraudulent charge.
Consumer complaint received 2016-10-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

My Complaint is with Select Portfolio Servicing , Inc. and Me. XXXX XXXX the Manager of the Ombusman Dept., I have been for ( 9 ) months sending documents to SPS to get a answer on if they will accept a buyers offer on the Condo, I 'm trying to Short sale for ( 9 ) months and can not get a answer XXXX XXXX said on XX/XX/XXXX that he would have an answer with in 24 to 48 hours it is now XX/XX/XXXX, XXXX, I have left message and I 'm always told he is in a meeting. 
I have received as of today a letter dated XX/XX/XXXX, requesting a profit and loss for ( 3 ) months they have almost a years of them, but I did send them. also asking again for Social Security awards letter I have given them one for the year, I have tried to explain that the XX/XX/XXXX awards letter will not be out until XX/XX/XXXX Taxes have been done and then I will get and give them XX/XX/XXXX, award letter!!!! ( the Soc Security comes goes auto into my bank, and SPS has all statements for ( 9 ) months ) which matches my XX/XX/XXXX award letter they have. 
the other documents is a PRE HUD that the title company has redone ( 4 times all different times ) goes back and forth takes weeks changes to lines XXXX, and XXXX,XXXX,XXXX, now on line XXXX they wanted to know what the exhibit is so the title company broke it down it is from the association dues, ( which do not have anything to do with the acceptance of the Buyers offer to purchase the condo, and to give me a answer if they will except the offer. 
SPS has told me to have line XXXX removed off the Pre Hud, the Title Company can not just take off lines??? 
I hope this answered your request for more documents, and now you can do the job of reviewing my Short sale request! 
There is one Document I have been asking for, as you know this property has a XXXX lien it is with XXXX, they need from SPS the approval letter this needs to be " the full payoff '' they need it for there Calculations, they also can only keep the file open for 30days. so I 'm asking again for this document, or XXXX XXXX can not complete the approval for the short sale. 
Thank you
Consumer complaint received 2016-03-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (DC)

My husband and I are receiving daily calls from Southwest Credit in XXXX, TX asking to verify personal information and saying that they want to collect debt. Because we recently received a mortgage, we have seen our credit records and have no unusual outstanding debt -- other than regular bills and credit cards. We do not want to receive any further calls from Southwest Credit. Because the phone numbers for the calls do not show up on our phone, we can not put this company on the Do Not Call list. And, the return call numbers that it leaves in our voicemail ( on different phones ) is not always the same.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

There are 10 unauthorized inquiries on my XXXX, XXXX and Experian credit reports that I have requested to be removed. 

1. XXXX XXXX 2. XXXX XXXX 3, XXXX XXXX XXXX 4. XXXX XXXXXXXX XXXX 5 . XXXX XXXX XXXX 6. XXXX XXXXXXXX XXXX 7. XXXXXXXX XXXX XXXX XXXX XXXX 8. XXXX XXXX
Consumer complaint received 2017-02-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: SELECT PORTFOLIO SERVICING, INC. (AZ)

I am involved in what has to be the longest re-finance of a loan ever!! I own a rental property and because of divorce, losing my job and the interest rate adjusting, I couldnt afford the payment so I applied to XXXX to refinance the loan instead of defaulting. This started in the middle of XXXX and was going along great when XXXX decided to sell the loan to SPS ( select portfolio servicing -approx XXXX ) -- this has to be the WORST company ever!!! I have been submitting the RMA since then monthly and have had to submit one section ( section XXXX ) no less than 9 times ( I am not kidding-I have the copies )!!!! I am supposed to have a relationship manager, XXXX, who never calls back or takes a week to call back -- why have one then?? Everytime I call I put in her ext. and it goes to someone else? Anyways, the problem with section XXXX is that this is a rental property and not my primary residence ( I am renting now ). I have had to send it on with the different boxes checked, my primary home address, mortgage payment and HOA payment -- did I mention I am renting now? Everytime I call there is a new customer service rep that says send it in this way after talking to underwriting and EVERYTIME when i call to see if they have received it, there is a problem??? I have asked to talk to underwriting numerous times but they dont take calls?? So here I am almost 2 years later and no closer to refinancing?? I just want to know if they are going to approve this or not so I can tell my tenants what they need to do, or if I can short sale it, or just have them foreclose on it?? At this point I am considering the later but really dont want to do that. I need help with this so called company and let me know if underwriting is ever going to get its act together and make a decision????
Consumer complaint received 2016-10-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion has failed to provide me with the documents they have on file to verify the account I disputed. 
Section 611 ( 5 ) ( A ) of the Fair credit reporting act states that any information that can not be verified should be deleted. 
Being that the 30 day mark has past I request this account be deleted. 
Please take care of the matter as soon as possible.
Consumer complaint received 2016-06-07
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (VA)

Freedom Mortgage has stolen a total of {$2900.00} from me via extortion since XXXX of 2016. They will not fix the issue despite the fact that several of their members have admitted they have charged to much, admitted that I have overages of {$2900.00}, and admitted it needs to be corrected. The stopping point every time I deal with them, which is bi weekly and has been since XXXX, is a man named XXXX. He is convinced I am wrong even though all of the evidence is on their servers. 

I have tried to resolve this conflict within their company, it is going no where. I have contacted an attorney, who told me to try this XXXX. I am stressed out about this and there is no reason for that. I am only trying to pay my mortgage every month but they refuse to fix their mistakes and continue to send me threatening letters referring to the repossession of my home. As a XXXX XXXX of both XXXX and XXXX I have no problem dealing with XXXX or handling stress, this time however I have no way to manage this. No help has been offered, no apologies, no willingness to fix their mistakes. I am at my wits end, my wife is scared we are going to lose our homes even though we 've done nothing wrong, I am finding it hard to sleep at night since I can not recover the almost {$3000.00} dollars that Freedom Mortgage has extorted from me. 

I work hard for my earnings and I live within my means however, I can not afford to keep being charged money each month to a corrupt organization that is criminally negligent in their matters. This is not a hard mistake to see, it is simple math. We begin with a giant total ( our house ) and subtract out monthly amounts ( mortgage payments ) until the grand total owed is {$0.00}. For some reason, somewhere between the steps of subtraction and honest reporting, Freedom Mortgage crossed the line. I am sick of this company, I am sick of being extorted, being bullied, loosing sleep, and having to console my wife that we will not lose our home. Not to mention the missed hours in work time I have had to skip in order to deal with Freedom 's inability to fix their own mistakes. I work by the billable hour, so missing 3 hours a week dealing with them adds up quickly. 3 hours a week ( conservative estimate ) x 4 weeks a month = 12 hours a month ; which would be just a hair over {$1000.00}. Again, another sum of money I do n't have because of this horrid organization. 

Please help us, we at our wits end and do not know where else to turn. We are good people who have paid our mortgage every month and have been taken advantage of.
Consumer complaint received 2015-03-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: ERC (FL)

My wife I continue to receive these collection letters from ENHANCED RECOVERY COMPANY, LL attempting to collect a debt. We filed them in our bankruptcy petition on XXXX/XXXX/2015. 

They still continue to violate the Federal Bankruptcy Law. I have also notified our Attorney of the collection letters. Please follow up with this company.
Consumer complaint received 2016-01-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: SYNCHRONY FINANCIAL (CT)

I received a call from XXXX stating that I owed them money on a debt. I notified them that the debt was included in a Ch. XXXX bankruptcy and that they should n't be contacting me and they could contact my lawyer for verification if needed. The " adjustor '' transferred me to someone identified as their head legal counsel/attorney who told me that if I did not pay the debt within 72 hours that they will seek criminal charges and my wages, tax return and any income will be garnished as well as freezing my bank account. I informed this person that he could speak with my lawyer and was told " we do not speak with lawyers you can have a lawyer represent you in court. '' I received multiple other calls from then and in XXXX call " XXXX '' accused me of being unwilling to be responsible and pay my debt and said that I will end up paying over {$7000.00} now for their legal fees and criminal charges will be filed against me. I informed her that I knew that what they were doing was illegal and she yelled at me that it was not at which point I said to stop harassing me.
Consumer complaint received 2022-02-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: TRANSWORLD SYSTEMS INC (UT)

A request was submitted ( XX/XX/XXXX ) and recognized for waiving the fee assessed in document ID XXXX for account XXXX due to payment accepted directly by XXXX ( XXXX account XXXX ) at XXXX XXXX XXXX ; XXXX XXXX XXXX IL XXXX per XXXX contract on XX/XX/XXXX in the amount of {$43.00} - XXXX XXXX XXXX XXXX confirmation number XXXX ( XXXX account XXXX ). ( Future payment was routed through XXXX. ) Payment was refunded and the fee not waived. 

XXXX XX/XX/XXXX A similar fee was assessed seemingly for no reason. An appeal was raised and is pending ( XXXX XX/XX/XXXX ).
Consumer complaint received 2017-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

I am currently working for a non-profit and am eligible for my loans to be forgiven after 10 years of payments. My loan company has changed many times ( and I have had no control of this ). I was with Navient for a number of years. A year and a half ago my loans moved from Navient to XXXX. I made many calls while with Navient to make sure that my payments would count toward my loan forgiveness. I was told that I was on a payment plan that would count toward my ten years. I recently learned that Navient had me on a plan that does not count! To top it off, I was paying more per month than the plan that would count toward my ten year forgiveness period. So, I have almost two years of payments that will not count ( and like I said, I was paying more than what I should have been! ). I am extremely frustrated. Like I said, I did not opt to go with Navient- my loans transferred. I listened to them and did what I was advised and it was all wrong! I now have two additional years of payments!
Consumer complaint received 2017-02-02
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Big Picture Loans, LLC (TX)

This company, XXXX, contacted me a little over XXXX yrs ago reporting that legal action would be taken on me if I did n't settle a debt from CastlePayday. They cited my address, social security number and email address, but they did not have all the correct information and I would not verify a single thing for them. 

I have never heard of CastlePayday and have never taken a payday loan out in my life. I reported XXXX at that time, but never heard anything of it and they stopped calling me as I was threatening that I had already reported them and would continue to do so. 

Now, I just received another letter from them, 2 yrs later, stating the same debt and ways I can take care of it ( attached ). They are a scam. I asked every person I spoke with for their name and would search for them online. When I did n't find them, I 'd call them out and ask them to tell me one social or professional profile of theirs I could look up to verify they were who they say they are ... of course, not one of them had anything to tell me. 

I let them know I very familiar with my credit report and would continue reporting them as fraud if they continued to contact me.
Consumer complaint received 2015-10-20
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I have returned merchandise to a merchant who credited my bank card on XXXX. I 've checked my Bank of America account and the credit does not appear on my account on XXXX. This delay may cause an overdraft. I have noticed that it takes 48-72 hours for a credits to appear on my Bank of America account. Is there a time limit for banks to process credits? How is it that a purchase is immediately removed from my account, yet it takes longer for credits? Thank you for looking into this.
Consumer complaint received 2023-04-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: VYSTAR CREDIT UNION (MN)

I bought a XXXX XXXX XXXX XXXX on XX/XX/XXXX. I got a loan through VyStar Credit Union, provided proof of insurance that the dealer required, and so on. The loan shows it was populated on XX/XX/XXXX. My first payment was due in XX/XX/XXXX. After paying my loan payment on time for XXXX and XXXX, I noticed it said my loan payment due was wrong, but I kept paying the correct loan payment amount to not be late. Then in XXXX I decided to make an online account instead of paying the loan without one. I saw " CPI - Collateral Ins '' charges of XXXX XXXX per month on my loan. I never received any communications from VyStar about this at all. I then contacted them and was informed I didn't have proof of car insurance. This is the very first time I ever heard anything about this. My proof of insurance was submitted with my dealer when I bought the car in XXXX. I followed their steps and submitted my proof of insurance. During this time, they were putting XXXXXXXX XXXX per month late charges on my account, presumably because they were charging me XXXX XXXX  per month on top of my payment. None of this was ever communicated with me. Now we're in XXXX, I check my account. They sent me one refund of XXXX XXXX  to my Savings account instead of just removing it from my loan? My loan still shows 3 late fees due and XXXX XXXX on my loan history.