davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-14
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime (FL)

On XXXX XXXX i went to DriveTime to purchase a vehicle. I met with the customer service rep and manager who was very friendly and welcoming. I sought interest on a XXXX XXXX Journey and test drive the vehicle and everything was smooth. I requested for a car fax and the representative stated that the vehicle was in perfect condition and had no ; repossessions, accidents, and rebuilds. The only thing was the vehicle having a high mileage. The manager read the contract and i signed off on it, made the agreement. Plus i was missing a hard key replacement of my key in which they promised to provide through a locksmith and never followed through. 

During the XXXX week i began having issues starting the vehicle and decided to take the vehicle to the dealer. The manager and representatives advised me through minor inspections that there was n't any issues and if it was an ongoing issue to contact XXXX. So i decided to contact them and had the vehicle taken to XXXX. There i met with the manager and he conducted a full vehicle inspection, where he found many pr-existing issues which was a major safety risk. The XXXX line was leaking fluid, no brakes, bad battery and bad starter. XXXX approved to fix the issues concerning the vehicle and was told that was the solution to the problem. We shook hands and was told to come back if there 's arising issues. 

A week later after coming from XXXX the same issue occurred and i notified XXXX XXXX XXXX about the issue. They advised me to respond back to the shop to conduct further inspections, in which again they could n't find anything. So i was told to come back if the issue reoccurs, in which the day after it happened again. The manager even conducted and full inspections in which turns to find out that my shift handle was damaged, in what appeared to be a repossession damage. The shift handle was broken and glued back together in which caused shifting damage. I was told to schedule a day to have this issue addressed, but my transmission blew out in result of the shifting issue. I had to contact a tow truck through my insurance company to have it towed to my house, later on had to pay another tow truck to get my vehicle towed to a repair facility. The mechanic advised that i had to pay a deductible for the transmission replacement through warranty. 

Its only been 3 months since Ive had this vehicle for me to have transmission and shifting issues. I felt I 've been cheated out of my money and was a sold a vehicle that was n't worth what i am paying. I would never recommend someone to purchase a vehicle through DriveTime, horrible pricing and unfair quality of service. Note : Theyre very eager to pressure to purchase a vehicle without giving full information.
Consumer complaint received 2016-08-16
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF THE WEST (CA)

A bank in XXXX XXXX charges XXXX each time a customer goes to an ATM other than theirs. They only have XXXX ATMS, so this is extremely awkward. This is probably the case with other banks. They just got {$5.00} of my money this month, and last month. This is a fine bank, but really? 
Also, not that I have recently bounced any checks, but in the past when I did they charge a hefty fee, which is the case with any large bank, especially if they pay the fee. In order to avoid such situations, I have gone to Payday Lenders, who charge me less than the cascade of fees that would result if I did n't have them. 
So I would also like to give you an idea, that the big banks could just cover the fees and charge a XXXX % fee. For instance, once I was charged {$31.00} for the bank covering XXXX cents! Would have been better if they had charged me XXXX cents for that transaction. This then led to a cascade of checks that bounced. So the banks should be required to cover bounced checks ( within a reasonable range ), but not at these huge interest rates, because interest is what these fees amount to. Then payday lenders would be out of business automatically. In the meantime, to avoid the squeeze of the big banks, payday lenders are necessary. As I said, I am happy with my bank, but just want to have these changes in the law.
Consumer complaint received 2016-10-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services ()

Hello, I have a student loan from my university that is serviced with ACS and had been transferred to them from XXXX XXXX. I have been paying on this loan regularly for over six years and am in good standing with all of my loans through XXXX, XXXX and ACS. Since this particular loan was transferred from XXXX XXXX, I have run into numerous issues. I often can not get onto the website to pay due to technical issues and site outages. I 'm currently working abroad, so being able to pay online is important. When I phone ACS, the line disconnects or it goes to an answering service- I am never able to reach a human being. Last month, I reached out to ACS via email to let them know the issues I was having and requested assistance. My loans have been late a few times in the past year due to these technical issues on their site and once again, I was trying to pay a loan and the website would not let me log in. I then requested that ACS set me up for automated billing, as I can not continue to worry about whether or not the payment functionality on their end will work. Instead, ACS sent me a notice that I had applied for a Forbearance- I never once asked for a Forbearance. I emailed them again to let them know that I had asked to be enrolled in automated monthly debit and that I had not applied for Forbearance, and I requested that the matter be corrected. I have not heard from them on this. It also looks like my last payment has been processed two weeks after the fact. 
My complaint is not about paying my loans- I pay regularly as I have for many years, despite my frustrations at never seeing my loan balance decrease, and am fortunate enough to be able to afford student loan payments at this time in my life. My complaint is that I am unable to work with this student loan company, ACS, because they : a ) do not have a working and functional website b ) do not answer the phone, c ) make errors in my requests and d ) are not reliable in responding to emails. As of now, I do not know where my loans stand with them since they are apparently processing a forbearance that I never asked for. What are my options here?
Consumer complaint received 2017-01-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: ACS Education Services (OR)

I obtained XXXX separate private education loans from XXXX XXXX XX/XX/XXXX ( {$18000.00} ) ; XX/XX/XXXX ( {$20000.00} ) ; and XX/XX/XXXX ( {$11000.00} ). The Promissory Note for each loan indicates that the variable interest rate is calculated as the 3 Month LIBOR, plus a margin ranging from 1.70 % to 4.30 %, as " identified in my Disclosure Statement, '' adjusted quarterly. The Disclosure Statement is a separate document from the Promissory Notes, which do not state the amount of the margin applicable to my loans. 
My loans have been transferred to and are currently serviced by ACS Education Services. 

Despite multiple attempts, ACS is unwilling or unable to provide copies of the Disclosure Statements with respect to my loans and has indicated that they do not have copies of the original Disclosure Statements in their loan files. Written requests were made on XX/XX/XXXX, and again on XX/XX/XXXX. Multiple phone calls have also occurred in which ACS indicated it will request copies of the original Disclosure Statements from XXXX XXXX and forward them to me. Instead, ACS continuously resends copies of the Promissory Notes. 

Nonetheless, ACS is applying a 3.75 % margin rate to each of my loans without any documentation to support that this is the correct margin rate.
Consumer complaint received 2023-02-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc ()

PayPal has permanently restricted my account, and I've exhausted all possible solutions and submitted all required documentation, but they've stated that their decision is final. 

I only use a Paypal account to withdraw my earnings from my XXXX tutorial job. 
However, after a month of use, I received an email stating that my account had been permanently restricted due to the User Agreement Policy. 


I reviewed their Agreement and believe I did not violate any of them. All I do is withdraw my earnings from XXXX and they are automatically credited to my PayPal account. 

I am convinced that they have mistakenly limited my account. 

I'm hoping for a positive response from you. 

Thank you very much. 
Thank you.
Consumer complaint received 2015-06-02
Product: Debt collection — Payday loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Presto Auto Loans, Inc. (AZ)

Back in 2008 I obtained an Payday loan. I then had to file for bankruptcy and then it got dismissed. Most of my debt form that bankruptcy it appears on my credit report. I attempted to pay this off as it states on my credit report that I owe {$130.00} to clear this off. I called to pay this off and clear the debt. They refuse to take the {$130.00} that they are reporting and now they want me to pay over {$500.00}. I have all the emails and correspondence of this attempts to settle and their response. I then decided to go to the office since I thought I could be easier once I was there to try to settle this matter XXXX more time. This was not possible and instead they claim they will settle with me for the amount of $ 300+. I informed them that this debt has been since 2008 and it would soon fall off my credit report but that I wanted to make the attempt XXXX more time to settle. They are reluctant in any changes. What upsets me is not only that I am trying to clear this off but that they provide the incorrect information and they still are adamant about settling. Why do they report XXXX amount and then ask for another? They claimed that if I did not settle for the amount they are asking that they will NEVER clear the title on the vehicle. I do not use that vehicle but all I want is to remove it from my credit report to improve my credit.
Consumer complaint received 2017-01-12
Product: Debt collection — Payday loan
Issue: Communication tactics — Called after sent written cease of comm
Company: D2 Management LLC (WA)

In XXXX, I received a phone call from The XXXX claiming I owed a payday loan debt from XXXX and that the debt was sold to XXXX. After asking for verification of the debt, the representative informed me that I would need to contact the owner of the debt. I then contacted XXXX and asked for verification of the debt, and I was refused. After the phone call, I sent a letter via certified mail to XXXX via certified mail requesting verification of the debt and informing them that any communication regarding this debt must be in writing to the address that I provided. That letter was received by XXXX on XX/XX/XXXX. 

On XX/XX/XXXX, I received a phone call from D2 Management claiming to represent XXXX to collect on account on my cell phone. I informed them that the phone call was in direct violation of the FDCPA and that they may only contact me by means supplied to XXXX
Consumer complaint received 2017-05-01
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: EQUIFAX, INC. (AR)

I have tried submitting various complaints to   XXXX  Equifax,  XXXX   XXXX   with no clear results of the dispute stated other than they are right and you are wrong. I submitted  XXXX  dispute to  XXXX  on  XXXX   XXXX ,2017 and on  XXXX   XXXX ,  2017  I was notified the " investigation '' was completed. They are required under FCRA regs to complete a thorough investigation on each account. I do not believe that this has been the case for my accounts. My wife and I are suffering daily because of false reports that damage our score from access credit inquires required to get a reliable vehicle, insurance premiums, and the possibility of buying a home.
Consumer complaint received 2016-07-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP (NY)

In XXXX XXXX, XXXX XXXX ( " XXXX '' ) suffered a financial hardship and in XXXX XXXX XXXX hired the XXXX XXXX XXXX to assist him in his foreclosure defense. In the midst of a modification request, loan was service transferred from XXXX XXXX to Selene Finance LP ( " Selene '' ) and after a couple of month, XXXX was advised that the transfer was a mistake and XXXX XXXX was still the servicer. Updated documents were sent to XXXX XXXX and a three months Trial Modification was granted in XXXX XXXX. The first payment was received by XXXX XXXX on XXXX XXXX, XXXX. At the end of XXXX, XXXX XXXX Selene was their new servicer and future payments were to go to Selene. Although XXXX was making his mortgage payments every month, Selene did not process the permanent modification until XXXX XXXX. XXXX went out of business in XXXX XXXX and the XXXX ( " XXXX '' ) took over the law office. XXXX has been making payments each an every month since the trial modification but by letter dated XXXX XXXX, XXXX, Selene advised him that he was 35 days in default and foreclosing proceeding may commence unless they bring the loan current. On XXXX XXXX, XXXX Selene called the new office of XXXX to verify if our firm still represented XXXX and was informed that a Withdrawal of Attorney was faxed to Selene as soon as the permanent modification went into effect in XXXX of XXXX. On XXXX XXXX, XXXX Selene advised XXXX XXXX via telephone in a conference call with XXXX the that the escrow payments were raised in XXXX XXXX and a payment was being held in suspense until full payment on the escrow arrears is made. When told to Selene that XXXX was not made aware that the escrow increased as they have not been receiving the mortgage statements, Selene stated that the statements were being mailed to XXXX and they were being returned as undeliverable. XXXX requested a copy of the undeliverable correspondence as XXXX still receives the mail at the prior address and when informed that Selene has the updated address and phone number ( since they called our firm ), Selene response was to send additional default letters to XXXX. As XXXX can not afford to make the arrears and a full mortgage payment, we requested from Selene that they allow XXXX to add a little more to each mortgage payments until the arrears are current but Selene stated that an entire payment toward the arrears need to be made in addition to the monthly payment in order to stop all foreclosure proceedings. If in fact, Selene has been mailing the mortgage statements, it took them 6 months to communicate with XXXX and as the escrow got raised in the amount of {$200.00} per month, XXXX owes {$1000.00} in arrears, which he can not afford to make in one payment. Although copies of the alleged returned mortgage statements were requested, Selene has not forwarded even one of them and is now sending all correspondence to XXXX but not any mortgage statements.
Consumer complaint received 2017-03-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Waterfall Revenue Group (CT)

I paid A-1 credit collections in full amount 2000 something and they promised to take off the credit report and they never did so my credit keeps on Lowering. I paid it last year.
Consumer complaint received 2016-11-08
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: EMCC Holdings, LLC (MD)

I purchased a timeshare and in 2012 defaulted on the loan due to being laid off. I was contacted by XXXX the original creditor and was offered to sell back my timeshare to my understanding at the time I filled out the ppwrk but never received the {$200.00} it is now showing on my credit report as a foreclosure. I contacted Equaint Financial and was told they do not have the loan or can not service it and was told to contact XXXX XXXX they advised they never serviced my loan it was sold to them by XXXX. So they have no knowledge of the opportunity to sell it back. 

My issue is that from my understanding Equaint can not report to the credit bureau for a debt they cant service or own. Once I reached out to them they reopened my account and it no longer is saying foreclosure but is saying that it is 120-149 days late. How can this be when it was closed for foreclosure.
Consumer complaint received 2016-05-17
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CITIBANK, N.A. (CA)

I was a victim of identity theft related to my employer, XXXX, experiencing a cyber attack in XXXX 2015 and my personnel information was stolen. As a result, in XXXX 2015 persons unknown used my credit information to obtain a Bloomingdales credit card and subsequently charged {$9000.00}. Despite my sending Bloomingdales a police report, a copy of my complaint filed with the Federal Trade Commission, and a letter from the Office of Personnel Management of the Federal Government acknowledging my personnel file was XXXX that was hacked, and enrollment XXXX who is currently attempting to resolve this matter, they have sent me bills, collection letters and recently a brand new credit card stating " per your request. '' This has been going on since XXXX 2015 and is extremely stressful to me. In addition, they have reported to the credit bureaus I am 90 days delinquent and my credit rating gone down.
Consumer complaint received 2016-05-31
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NY)

I charged {$180.00} worth of merchandise at Bloomingdales ', and returned that same merchandise for credit -- before the closing date for the billing period. Now, Bloomingdales ' continues to call ( seven times now -- early morning and at night ), saying my account is " past due ; '' I feel that they are harassing me. They are quite aggressive, and have billed me a {$27.00} late fee.. My account balance is XXXX, yet when I ask for an explanation, they say I should have made a payment no matter whether I returned the merchandise or not, that the " credit '' for the returned products will be deducted in the next billing cycle ( BUT the return shows up on the current bill ). This makes absolutely no sense.
Consumer complaint received 2015-07-29
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (VA)

I bought a XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX and financed it through Hyundai Motor Finance. All was fine, I never made a late payment which was due on the XXXX of each month. 
In XXXX my husband was out of work ( self employed XXXX ) and I was unable to make my car payment on the XXXX of the month. I called Hyundai and asked them if I could change my payment date and they said " no '' due to me making a previous date change months before. I told them the situation and then told them that I would have to make the payment XXXX weeks late until ... I made XXXX payments on the XXXX of the month and was hit with XXXX each {$20.00} late payment fees. I told them I would n't pay them or they could put those fees at the end of my loan and we would discuss it. They again said " no ''! Now I 'm gettting collection phone calls at least XXXX times a day! Sunday morning at XXXX up until almost XXXX at night. I 've told them repeatedly and I 've emailed them that I was not going to work with them when they could n't work with me! I am now able to make my payments by the XXXX again and have done so, but I 'm still getting these calls. 
Why ca n't a finance company make this change for a customer that has NEVER made a late payment, has a good credit rating etc? They told me it was against the law in the State of Virignia to do that. No it is n't! I get XXXX changes in the lifetime of the contract and I 've only made XXXX! 
I would appreciate any insight that you may have have on this. Thank you very much. 


Motor Finance
Consumer complaint received 2017-01-18
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Coinbase, Inc. (TX)

After 2 years of service with no issues Coinbase closed my account for no reason and furthermore refused to give me a reason despite dozens of request through their support channels. I first signed up with them XX/XX/2014. By forcing me to sell my bitcoin I missed out on hundreds of dollars in gains in the market and lost the ability to use my shift debit card that I paid {$20.00} for.
Consumer complaint received 2015-10-22
Product: Virtual currency — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MN)

Signedup XXXX family members for referrals on Coinbase.com. Coinbase at that time offered {$75.00} for each person referred to their service. I referred all XXXX and they met the terms Coinbase intially offered. Signup took a while do to money transfer timeframes setup by Coinbase. In that time, Coinbase changed their promotion and terms to {$10.00} for referrals. When asked why, they said they could change terms at anytime ( even if signup up for {$75.00} referral bonus ) and that family members did not meet the terms either. Felt like they just change terms to disclude giving out referral bonuses.
Consumer complaint received 2016-07-12
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (CA)

My wife and I had an American Express Credit Card as members of XXXX. XXXX ended their relationship with American Express on XXXX XXXX, 2016. We were issued a substitute membership card from XXXX as of XXXX XXXX, 2016. 

Our last Statement from American Express enclosed a draft for {$78.00} ( and change ) as our rebate rewards for our purchases with the Amex XXXX card. We lost that draft. 

We went to our local XXXX store and asked them to re-issue our rewards draft. XXXX told us that they could not -- only American Express can re-issue the draft. 

I telephoned American Express at their customer service telephone number on their Amex card. I got a recording stating that the credit card was closed. Repeated telephone calls all failed. HOW DO WE GET OUR REBATE?
Consumer complaint received 2016-10-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

My mortgage company ( Ditech ) changed their computer accounting system which caused them to incorrectly report me as being 30 days late on my mortgage payment. They put this on my credit record. This happened back in XXXX of 2016. After several phone calls to them, they have not corrected the error. I found out about this when I went to apply for a loan. What can I do about this? They are very unresponsive, but they do admit to the error. Thank you.