davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AFNI INC. (OH)

My credit card was charged without my permission, at which point I disputed the validity of such a charge. The credit card company posted a credit in the disputed amount to my account pending the outcome. The investigation concluded that my dispute was invalid, at which point the credit was put back as a valid charge. I attempted to resolve the issue prior to this point without success. 
I have my credit card statement showing the charge back.
Consumer complaint received 2016-01-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc. (WA)

Here we are in XXXX and XXXX XXXX is STILL trying to collect a debt that was never meant to be a DEBT. 

First, I had an account with them from XXXX XXXX XXXX. When we moved XXXX miles down the road, XXXX told me ( in a chat log attached ), that although they HAVE DSL at XXXX, it was " capped '' off meaning, they did n't want to be bothered and it 's complete XXXX. 

So, after investigating, the contract was never signed by me or my wife for the account thus rendering the contract null and void. 

Secondly, the collection agency, EOS/CCA tried to make me feel guilty by telling me, " Well, you got the service and you should pay for it ... you would n't got out to dinner, eat and walk away from the bill would you? '' The collector, XXXX XXXX although very nice, is completely stupid. I never GOT service at my new address, thus, XXXX was UNABLE to fulfill their part of our agreement, thus, I found a faster and better service with WAVE Broadband. XXXX download, no kidding! 

So, I called XXXX again today and found out that the fee for the " special '' we had deducted when I signed up, were ADDED back to my account on XXXX XXXX XXXX 3 months AFTER my account was closed. 

They said, " well, since you cancelled the contract, you do n't get the great deal and now you MUST PAY!!! '' XXXX. 

I got service, and DID PAY while I had it. I SHOULD NOT be penalized for something they could NOT provide. That is NOT my fault.
Consumer complaint received 2015-06-04
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (OK)

I found a credit inquiry on my XXXX credit report from XXXX. After doing some checking I found out it has to do with Paypal. I do have a Paypal account but have never asked for any type of credit card or account with them. This inquiry was done completely without my knowledge and/or consent. It brought my rating down by XXXX points.
Consumer complaint received 2016-08-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc. (CA)

IC Systems have been calling up to 4-5 times a day from various different numbers with the XXXX area code. It is very annoying and way too many times to call. They have n't left a voice message therefore I could n't call them back with knowledge of what exactly they are calling about. I want them to stop calling because the debt they are calling about is n't even current or correct.
Consumer complaint received 2015-03-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (GA)

I am applying to buy a house, when I checked my credit report I noticed that there was a recently placed collection agency debt from 2013. I called XXXX XXXX XXXX because that is where the debt is from and they told me to call the collection agency because they did not have my account number on file. 

When I called the collection agency about this debt they asked the usually questions and I found out that they had the wrong name on the account. When I asked if it could be removed I was told to contact the credit bureau because they are the ones that made the mistake. I told them that the bureau only reports the information that is given to them and that the company supplied the wrong name. 

They refuse to admit to the mistake and contact the bureau regarding this matter.
Consumer complaint received 2017-03-02
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: FORD MOTOR CREDIT CO. (NY)

I was a cosigner on a vehicle lease. Apparently the lease vehicle was returned by the person who was leasing the vehicle and a payment plan was set up with Ford Motor Company credit to pay the difference. I was never informed that this action was taking place or that there was any danger of a collection account showing up on my credit report. As a cosigner I was given no opportunity to intervene prior to this being reported to the credit agency. Further I was never notified that this was reported to the Credit Agencies. According to the person that I co-signed with Ford Motor Company gave the impression that no credit action will be taken so long as payments are made on time per their monthly payment agreement. Therefore the person whom I co-signed for felt that there was no issue to worry about.
Consumer complaint received 2015-07-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TRANSWORLD SYSTEMS INC (MI)

A collection agency sent me a letter on behalf of XXXX XXXX commpany for a past due utility account which I never had. Transworld Systems Inc. is the collection agency. They advised me the past due bill is for a property in XXXX, MI which I never owned. I have never lived in or owned property in XXXX, MI.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: TRANSWORLD SYSTEMS INC (TX)

I received a collection notice from Transworld Systems. I have attempted to contact them via the indicated phone number on the notice for five days. I continue to receive a voicemail message. I have left two messages, which have not been returned.
Consumer complaint received 2017-03-27
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OH)

I ordered an XXXX Watch online from an online from pay pal and I was supposed to get my watch on XX/XX/2017 and have n't heard anything since I made athe XXXX Note to XXXX You have n't sent a note. 
Shipping address - confirmed XXXX XXXX XXXX, OH XXXX United States Total {$99.00} USD Charge will appear on your credit card statement as PAYPAL XXXX Payment sent to XXXX Receipt Sender XXXX XXXX Recipient XXXX XXXX Funds will be available to your recipient on or before : XX/XX/2017 Note : Currently, there are limits to how much the recipient can send, spend or withdraw. To access the full amount on this date, the recipient can link a bank or card. 
Description Amount Payment amount ( in currency funded ) : {$99.00} USD Your total charge : {$99.00} USD Payment amount : {$99.00} USD XXXX fees : {$4.00} USD XXXX will receive : {$95.00} USD Need to cancel? 
You have the right to cancel for a full refund unless your designated recipient has already received the payment. However, since most PayPal payments are received within seconds, you ma
Consumer complaint received 2015-10-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (VA)

I have been a mortgage account holder with U.S. Bank since XXXX 2014. With each month 's payment I send an over-payment to be applied toward the principal, not a prepayment of future months ' bills. Per the bank 's various operators ' instruction, I have included a note to that effect with each payment and my account is noted in their computers that all over-payments should be applied solely to principal. 
However, every month the payment is misapplied as a future month 's payment instead of a reduction of principal. And I have to call U.S. Bank each month to request a correction. 
I consider this practice to be the bank 's blatant disregard for my payment instructions solely in an attempt to garner additional accrued interest on inaccurately large principal balances. This practice must cease, and should be investigated.
Consumer complaint received 2016-06-10
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Risecredit, LLC (CA)

I took out an installment loan in XXXX XXXX, the loan was for $ XXXX.To date I have paid well over {$6900.00}, almost three times the principle. I still owe close to {$3000.00}. Prior to accepting the loan I did read the " fine print '' but it was not easy to understand. It was not explicit stated that the monthly payments would be going to the interest and not to paying down the principle, making the loan impossible to pay off quickly. 
I called and spoke to a customer service agent on XXXX XXXX, XXXX ( the call was recorded ) and asked specifically for an amnesty on the remaining balance because I am having a hard time paying on this exorbitantly high interest loan for over 12 months. I also explained to her that to date I had paid almost three times the principle, she said " no. '' The fine print on this loan document was written in legalize that the average lay person could not possibly understand. There are many more months left on this loan ; in the end, the total paid before it is satisfied will be over {$9500.00}! Paying {$7500.00} in interest for a {$2500.00} loan is outrageous and should be illegal. 
Again, the " fine print '' was not easy to understand and I did not understand EXACTLY how much this installment would cost me. I have paid off the principle three-times over and the rest should be forgiven.
Consumer complaint received 2017-03-18
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (GA)

Attempted to get a re-fi quote from Quickens loan. I initiated a chat with XXXX XXXX, provided him my details and got the info I needed. I advised him to send me the breakdown of his offer. I was then asked about other options I have taken. I asked him why? He the proceeded to use scare tactics.See below : Absolutely. I will send that over right now. XXXX what other options are you considering if you decide not to move forward with this? 
XXXX XXXX at XXXX, XX/XX/XXXX : why? 
XXXX XXXX at XXXX, XX/XX/XXXX : The reason I say that is because this is saving you over 300 dollars a month and the credit score is at XXXX. If it falls one point you will not be able to do a loan anywhere. This is a start for you to start paying off debt, it gives you an opportunity to start doing something with the debt. If there is no plan B, and the debt continues to grow you credit will continue to fall. 
XXXX XXXX at XXXX, XX/XX/XXXX : I am aware. I understand you have a sales goal and need to reach that but trying to get a sale by placing fear into someone is a bit unethical and the CFPB would not think kindly of that approach XXXX XXXX at XXXX, XXXX XXXX : send me the info I have requested and I will make a decsions XXXX XXXX at XXXX, XXXX XXXX : XXXX I apologize. This has nothing to do with my sales goal. I will send you the information. 
XXXX XXXX at XXXX, XX/XX/XXXX : When can I circle back around with you XXXX XXXX at XXXX, XX/XX/XXXX : tomorrow or Monday? 
XXXX XXXX at XXXX, XX/XX/XXXX : I work daily with the CFPB and you are not permitted to use scare tactics. 
XXXX XXXX at XXXX, XX/XX/XXXX : Our company is obviously regulated by them. As the # 1 rated lender in the nation you can appreciate that we take that role very seriously. Just like a Dr. giving a recommendation to a patient so am I giving a financial recommendation to you. I 'm sorry if my honesty was viewed as a scare tactic it was n't meant to be taken that way XXXX XXXX at XXXX, XX/XX/XXXX : I am not compensated based on your loan amount, loan program, cost, or interest rate. My goal is to find a loan that meets your goals and gets to the closing. I am promoted within the company based on how highly you rate me so obviously I 'm not here to scare you XXXX XXXX at XXXX, XX/XX/XXXX : Again I apologize if it came off that way. 
XXXX XXXX at XXXX, XX/XX/XXXX : I take this job very seriously and saw an opportunity to help you XXXX XXXX at XXXX, XX/XX/XXXX : that is all XXXX XXXX at XXXX, XX/XX/XXXX : So I will send you the info you are requesting. When is a good time for me to follow up with you tomorrow or Monday so that I can answer any questions you have based on the info I send? 
XXXX XXXX at XXXX, XX/XX/XXXX : send me the quote-nothing more XXXX XXXX at XXXX, XX/XX/XXXX : not a problem XXXX.
Consumer complaint received 2015-09-15
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: JPMORGAN CHASE & CO. (CA)

Received phone call from XXXX claiming that they are attempting to serve notification to me at my employment and residence ( for a charge off debt from 2001 ) and must call them back to make arrangments. When I called back, they stated that they were a 3rd party attempting to collect a debt and that the credit card company re-initiated a court claim against me where they can put judgement against me for up to $ XXXX. They pressured me to make a payment arrangement if they took a large percentage off the original balance due, then asked for my credit card information as a good faith attempt for not being sued. They promised to send me documentation via email as proof of them being a 3rd party representation. I was stupid and gave them the CC number in good faith. They took money out of my checking account for {$200.00}. The bank said that the transaction was from XXXX XXXX XXXX ( XXXX ) at a XXXX ' area code telephone number ( XXXX , XXXX ). I called the XXXX ' area code number. The representative that answered said that they were a " child support/check recovery '' agency in XXXX, XXXX -for the state of XXXX . I live in XXXX ( and do n't have chilcren, nor do I write checks ). The rep was good enough to run my name through their database, to see if my name came up and if my identitiy was compromised. Nothing came up and she suggested I call the police. She also disclosed that their agency have received a flood of calls of this type within the past two months. I got the money back from the bank and put in a fraudulent claim. Now, these scammers are relentlesly calling me 3 and 4 times a day from the same XXXX telephone number. I did some checking and the call is coming from somewhere in XXXX. I called them right back and told them that they have been reported to the police. DO NOT TALK TO THESE POEPLE FOR ANY REASON!!!
Consumer complaint received 2015-04-06
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: MARINER FINANCE, LLC (MD)

XXXX has listed on my credit report a debt that was abolished by Mariner Finance in XXXX 2013. This was a joint account as I co-signed for a coworker to purchase a used car but Mariner Finance has been listing account as an individual account. Mariner Finance agreed to relieve me of all financial obligation, garnishments, and prompt deletion of credit entries in exchange for a one-time payment of {$3000.00}. The payment was immediately rendered and the stipulations were signed by a judge of the XXXX County District Court that same month. XXXX keeps verifying the debt as valid because Mariner Finance is supplying fictitious information because collection efforts remain in effect for second party on account. XXXX County District Court has assured me that they do not verify debts, make entries to credit reports or make deletions. XXXX County District Court has assured me that they do not verify debts, make entries to credit reports or make deletions. XXXX credit bureau is also listing the erroneous account by Mariner Finance as past due in the amount of {$1500.00}. I have been fighting with this company over this issue for approximately 2 years. 
I need the judgment and the erroneously reporting account deleted from my credit bureau reports as promised. 
Licensed by the Maryland XXXX # XXXX
Consumer complaint received 2017-03-10
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (VA)

Between XXXX and XX/XX/XXXX, and after I filed a CFPB complaint against Nationstar Mortgage, they allow me to submit a Second Loan Modification based on my hardship financial situation. I have submitted all the documents that they requested uploading them through its website. I contacted several times Nationstar Mortgage to get a resolution. On XX/XX/XXXX I spoke with a representative and he told me that the modification was denied without any explanation and I request a denial letter that they said they will email me and send on regular mail. Shortly after I received a letter dated XX/XX/XXXX ( attached ) stated that they are waiting for third party to complete the evaluation. I called again on XX/XX/XXXX and XXXX told me that they denied the loan modification and has sent the letter that I request again to have sent by email, XXXX told me that she was sending as an attachment on email. I have never received the denial letter. Instead I have received a letter notice that per agreement modification they will increase the interest rate per the schedule. Please see the attached letter. 
First at all Nationstar does not care about customer service, their phone system does not allow to speak with loan modification department. Nationstar does not care about clients that want to keep their home. They only care about increase interest rate and consequently their profits. I really doubt that they have a Loan Modification Department and or Underwriters that analyze documentation for loan modification applications.
Consumer complaint received 2016-12-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I had a rental/income property that NationStar foreclosed on because they refused to work the the Real Estate agent. He filed all the papers and had a buyer. Because NS dragged their feet and continued to ask for the same information over and over again, the buyer backed out. Agent than asked NS for an extension for find another buyer, they refused and foreclosed on the building. 
My problem is that on the XXXX under fair market value they inflated the number. Properties in the area are no where near what they have indicated on the XXXX. I have repeatedly called them to get this corrected, but with no success. I have been given the name of someone who is supposed to be researching this but I have called her twice within the past weeks and she has not responded. Additionally, they told me that the number under fair market value is the number they felt was a good bid for the property. They also added fees to this number. 'They got no bid close to that. They then foreclosed on the building without giving us a chance to find another buyer. I even said I would give them the keys and deed, they declined. 
Can you help me? This inflated number is affecting what I have to pay the IRS and my social security benefits because they are now taking more out of my check.
Consumer complaint received 2015-12-30
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MO)

Well, i have been with Paypal for some years now. However, i have being charged for things i did not authorized. nevertheless, i was scammed with paypal and they seems not to do anything when i brought the issue to them. They are charging me bills for paypal credit and somehow sellers account that i never had or used. Therefore, i want my funds be refunded because when i tried to contact them again, my whole account changed to XXXX meaning that i can not use my account along with the money in it because i dont understand or speak XXXX. 

XXXX on the other hand, is a fraudulent organization that tries to reap everyone of their money. I traded in some books i bought from XXXX for gredit to my account. However, i was charged separately and keeping the gift card i earned and tried to sell it back to me and charged me for everything i bought with my gift card. 

My name is XXXX XXXX, my email is XXXXXXXXXXXX or cell : XXXX. XXXX to hear from you guys soon.
Consumer complaint received 2015-10-19
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (CA)

I bought something off ebay and was required to go through paypal ( which ebay owns ). I had a previously used paypal account that I had used once a few months ago with no problem. I checked out using that account. With no warning and without asking permission, it put that charge on paypal 's own credit line ( Paypal Credit ). I had never signed up for it, even though I had received incessant email advertisements for it. I was not informed in any way to my email or through any other means of communication that it had been added to that credit line. I only found out because a week later I was reading over my bank statement and saw the charge had n't been added to it. I then went to paypal to determine what the problem was ( whether it was still pending etc. ) and found out it had been added to their Paypal Credit system without my knowledge. I was then required to give them my bank account information and link my bank 's information in order to pay it off instead of just being able to pay it using my debit card ( as I originally intended to and had done before through them ). While I was thankfully able to realize this before I was charged interest, I still believe this was a deceitful practice and caused me harm by requiring me to go through additional steps in order to pay off a charge which I never intended to put on their credit system.
Consumer complaint received 2015-09-29
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: I.C. System, Inc. (UT)

Somehow this collection agency calling itself IC Systems got information about a medical bill that I am waiting to hear about financial assistance from the hospital about. I sent them a letter saying the debt was not valid. They did not send anything else to me. I just found out they put something on my credit report.