davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (AZ)

" We have  XXXX  business accounts (  XXXX  XXXX  XXXX ,  XXXX  XXXX  XXXX  ) with  Paypal. Paypal ove r-drafted my  XXXX  XXXX  XXXX  account by - {$490.00} because my  XXXX   XXXX  reported suspicious use by my random  XXXX  charge for a ride I randomly got in  XXXX   XXXX  ( where I communicated with my  XXXX   XXXX  that same day that all charges made and pending were all mine and there was no reason cause for concern ). Becuase of this, paypals " system '' automatically charged back  XXXX  previously made transfers of {$300.00}, {$100.00} & {$100.00} that I transferred from my  XXXX  XXXX  XXXX  ( which is attached to my verified  XXXX   XXXX  account  ) to  my  XXXX  XXXX  XXXX  resulting in this - {$490.00}. I 've called to resolve with paypal they keep placing blame on  XXXX    XXXX   whereas I show in my  XXXX   XXXX  statements that Paypal got paid the {$500.00} AND I called to confirm with  XXXX   XXXX  that there was no open charge back cases and they confirmed there are no open cases at all for me. I call paypal pack because we had a client pay us through  XXXX  XXXX  XXXX  and paypal 's  XXXX   XXXX   XXXX  confirmed they will not give us access to our funds for at least 80 days because " there 's an open charge back case '' that  XXXX   XXXX  needs to resolve for them. So not only is paypal ripping us off and in both accounts but they 're also effecting are ability to receive funds active or pending to be able to pay our own selves, furthermore causing us to loose clients. ''
Consumer complaint received 2015-07-05
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BANK OF THE WEST (NV)

I am disputing the debt of a voluntary repossessed vehicle. 
The company did not allow me time and notification to recover vehicle once repossessed.I never received notice of sale amount.And the Deficiency balance is extremely high not giving credit for payments made.
Consumer complaint received 2020-06-20
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: Advantage Credit, Inc. (VA)

I've lived in XXXX, Virginia for 26 years I pulled my credit with a mortgage lender and some one is using my credit through XXXX XXXX XXXX I called them and they said they are able to see the account information but the name and social security number do not match what they have on file so they could not provide me with any information. I currently do not have have any auto loans and want to know how this institution is able to report on my credit and why they wont help prove who is using my credit. Or provide a letter stating my name and social do not match the account they have on file.
Consumer complaint received 2015-06-25
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NY)

I have already filed a complaint not to long ago with you company and I just filed with the BBB as well a few days ago. The dispute was closed due to Navient saying I am in the lowest repayment option. On XXXX/XXXX/15 at XXXX I called Navient and spoke with supervisor XXXX XXXX I was placed on hold several times was told differently monthly payments, was also told I am in a program called select step program and I will be on that program for as long as I own the loan. I was placed on hold because I had told him I need exact information as I am entitled to. When placed on hold I was transferred back to the main line were I had to wait to speak to someone since noone was able to " find '' XXXX for me to speak with again. Finally at XXXX supervisor XXXX XXXX and I spoke and when I had told him what XXXX said he said no he is wrong. I asked him to go over options with me. I current pay {$240.00} for my loan a month and he told me as of XXXX 2015 I will be paying close to {$400.00} a month. I told him I wasnt able to afford that as my monthly and yearly income along with my other student loans puts me into XXXX more then it does now. He told me that I am lucky that that the company has done me a favor as long as they did and havent raised my payments yet. I asked him if we could go over options now for XXXX and I was told by XXXX that I have to wait until XXXX and he was n't going to go over options with me now. I had explained that I dont feel comfortable waiting so long or to the last minuted considering I will not be able to afford almost {$400.00} a month and I will need to figure out how to get the money to pay. He was very rude and nasty. I was also told again that they do not and will not do income based repayment and it is not their problem.
Consumer complaint received 2015-06-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

XXXX Navient has accused me of being late on making payments, once in XX/XX/XXXX and again just this month for XX/XX/XXXX. In each case I have made payments for the amount owed, and each case Navient calls XXXX to XXXX times per day, they have sent letters, and I have spoken to XXXX sperate representatives. Navient reps. have told me it is against company policy to stop collection activities until they can update their system, even after I provided proof of payment. I have been receiving harassing phone calls many times a day for the past XXXX weeks, and I am told I would have to wait at least until the end of the month for the system to update. On top of the harassment, the amount I supposedly owe is XXXX and sometimes almost XXXX the amount I owed in the first place. Navient is harassing me and trying to collect on fraudulent fees and nonexistent past due payments.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (WI)

I was told by Navient that I could lower my interest rate by .25 % for signing up for automatic withdrawals/payments. I did so the day before my bill was due. Previously, I could make a payment before my payment due date and it would not turn into forebearance because the date of payment was before the due date, even if money was not transferred until after the due date. However, Navient pushed my account into forebearance for the 3 business days it took for automatic payment to start. This resulted in several XXXX dollars of default interest accrual. I called and requested assistance, as I had never before had this issue and certainly had never defaulted on my loans. Nevertheless, Navient essentially told me that it was my fault for not realizing that he date of payment would not matter for automatic withdrawal, only for standard payment. Several XXXX dollars for ( an extra XXXX $ / month for the next 6 years ) because they did n't take the money out of my account fast enough seems really unfair.
Consumer complaint received 2016-08-11
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: REGIONS FINANCIAL CORPORATION (TN)

I recently applied to increase my credit line for my home equity loan with Regions Bank. I called and talked to XXXX XXXX XXXX XXXX at Regions. She quoted me a rate of 2.99 % for the 1st year due to relationship rewards and a 3.5 % rate after the first year but on a variable rate. This was much better than my current 5 % so I asked her to start the process. I wanted to increase my credit line to build a covered deck. Once the appraisal and the paperwork were ready I went in to sign the papers. I saw the 6.75 % on the papers but XXXX XXXX assured me that the rate was just calculated differently and that I was getting a better rate .... the rate I was promised. I told her I just wanted to make sure I was n't going backwards and she again assured me that I was getting a better rate. I trusted what she told me and I signed. About 10 days later I got a statement. The first thing that caught my attention was that the finance charge was around {$15.00} higher than the month before. I had drawn nothing off the account. I again looked at the rate and it said 6.750 and pulled out the statement for the previous month and it said 5.000 as the annual percentage rate. I went to see XXXX the next day. She promised me that she would do everything she could to correct this. A few days later she told me that the bank had agreed to give the the 2.99 as promised for the first year but I was stuck with the 6.75 % rate as I had signed the papers. I signed the papers under the understanding that I was getting the lower rate. I feel that I should be able to revert back to the original loan with the original credit limit as it has been less than 30 days. She told me that I was only given 3 days to back out of the loan. I had not received a statement at that point so I did n't realize there was a problem yet. I just want to revert back to my original loan as I was given incorrect information during the signing of the loan papers.
Consumer complaint received 2016-05-12
Product: Payday loan — 
Issue: Can't contact lender — 
Company: BlueChip Financial (AZ)

I received a call today from a blocked number stating that they are court processor for XXXX XXXX and that I am being served an arrest warrant at home or at my job within the next XXXX minutes. When asked for further information they gave me this number and file # XXXX # XXXX I was then transferred to their " legal dept, XXXX XXXX '' Who then state that their company name is XXXX.I called a credit attorney and was told that there are too many red flags and that it does not appear that this company is legitimate and that they are not allowed to harass me or threaten with jail time.I then called the XXXX # again and the guy said that my file had been transferred somewhere but that he was not aware of and then proceeded to try and tell me why I did n't pay and that the XXXX address was from a XXXX XXXX office and why was I online while at work. I asked for a debt validation letter but the guy stated that I owe the debt and that he already sent several notices last year. He the mentioned the debt was from 2014 of which I then reminded him that I filled a bankruptcy back them and that is why I am asking for a debt validation letter. XXXX refused.
Consumer complaint received 2015-06-23
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: DriveTime (SC)

DRIVE TIME, INC leasedMANAGER XXXX XXXX XXXX, XXXX XXXX, XXXXMAIN ADMINISTRATIONFOR LEASING DEPARTMENTLEASED CARS ARE A LEMONXXXX.XXXX REFUND WANTED BACK
Consumer complaint received 2016-11-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services (TX)

I have been paying my student loan through ACS Education Services for 10 years. Never missed a payment, and have never been late on a payment until recently because we are going to pursue legal action. My principal balance has increased instead of decreased. All my payments are mostly applied to the interest and not the principal balance. I am on a FIXED rate plan but the interest seems to be variable and calculated by which day i pay. ACS is saying i owe more than what i originally took my loan out for. How is that possible? In the end they want me to pay DOUBLE what my original loan amount was. How can they get away with that? I understand that some of the payment needs to be applied to interest, but the majority of it should not!
Consumer complaint received 2015-11-03
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SCOTTRADE BANK (CA)

To whom this may concern, I am writing in response to claims by Scottrade that they will not respond to the CFPB. This bad behavior by Scottrade appears to be a repeat of other bad behavior. 

In the attached you will see that Scottrade for a period of no less than 2 years hide behind the OCC while defrauding regulatory agencies by maintaining the veil that their company has less than XXXX in assets.
Consumer complaint received 2015-05-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (SC)

I really thought i was going to get some type of help finally! My rights are being abuse by greentree! For XXXX months, ive been harrassed, conned, volilated.I 'm being robbed. I 'm asking for help again. I ca n't put nothing to the princible of my house without it being stolen from me.They are still calling my wifes phone, my phone, coming to my house as of yesterday with these intimidation tactics.My rights are being volilated in more ways then one. My address is still they same! They are not putting anything in writing, just asking for money with phone calls and house visits. Only thing i get in the mail from them is XXXX 2 monthly statements in the past XXXX months telling me i owe thousands of dollars with bogus legal fees.What am i suppose to do? They are trying to scare me out my house.harrass to the point that i give up.Again nothing in writing, just house visits and nasty phone calls. I have told them on a number of ocasions to dessist and desseest! The calls wont stop! They know i ca n't afford no attorney, being i 'm XXXX. They know that! I 'm looking for class action suits against these giants! I 'm so XXXX out over this. I 'm not in good health and i know i 'm not the only person going thru this. Its taken alot out of me and my family. i just want to pay for this house and live the american dream for the time i have left. I know you all are still invetigating. is there any kind of way to stop the from all the harrassing me and my wife and stopping them from coming to my house? Anything they have to talk about can come in the mail. I 'm still paying my monthly morgage every month with every reciept. They still trying to raise my fix rate morgage! It already went up XXXX dollars more. Now they trying to raise it another XXXX dollars more. I need help! Please help!
Consumer complaint received 2016-08-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NC)

XXXX 2016 I called Ditech to make an almost {$2000.00} payment to my escrow account. The XXXX made a mistake and applied it as a payment to the mortgage even though I was 2 months ahead on payments.. I called Ditech in XXXX and brought the problem to their attention and they said they would fix it. They for some reason added {$5200.00} to my mortgage balance and never added my original payment to the escrow account. They have n't been able to explain what happened to the {$2000.00} or where it is. I talked with XXXX ( XXXX manager ) in XXXX and she said that the missing interest would be calculated and added to the balance and the mortgage and escrow accounts corrected. I am still waiting .... I asked XXXX several times where the amount of {$5200.00} came from and she would only say that it was a redistribution and could never explain to me the details of the actual amount of money or why my mortgage balance increased by that amount. I asked XXXX why my balance increased by the amount of {$5200.00} and she kept repeating that it was a redistribution - that does not answer my question. I asked XXXX to mail a letter explaining the redistribution, why the amount of {$5200.00} was added to my balance, and where the {$2000.00} went to ; of course she did not do what she told me she was going to do. 

This problem has been going on since XXXX and Ditech lacks the competence and knowledge to correct their own problem and the only way I find out they are padding their profits and books is by me closely watching my balance. The amount of {$5200.00} plus the almost {$2000.00} needs to be reapplied back into my account, plus interest since XXXX. I also want an written explanation of what caused the problem, what they have done to correct it, why the actual dollar amount ( {$5200.00} ) was added to my balance, where the {$2000.00} escrow payment is, and what are they doing to guarantee this will not occur in the future. 

There should also be fines and fees charged against Ditech. If I owed Ditech over {$7200.00}, plus interest, they would have their lawyers camping at my front door.
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (MD)

Over the course of my loan I have been offered forbearance many times, and pseudo forced into it in others by Navient. My overall loan amount has not risen ; but, the total amount has not changed since 2008 because the the interest. There has even been a time recently where I attempted to lower my student loan payment and as I discussed the possibility with a customer service agent, they explained that even though they could lower my payment, the payment amount would rise at a later date. And that amount would actually be higher than the original amount I was trying to lower. After hearing that, I decided not to lower the amount and relayed that to the customer service agent. Ultimately, they proceeded with the agreement without me agreeing. So at some point in the near future my payment will rise. Which will be the perfect opportunity to offer another forbearance.
Consumer complaint received 2017-03-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION (MO)

Regions Bank refuses to confirm the date I can expect to receive the XXXX they " XXXX '' confirmed that I qualified for after being asked numerous times to do so. If I have indeed met all the terms, then it should be easy to see on their end when I can expect to receive the bonus.
Consumer complaint received 2017-02-10
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Portland Credit Inc (OR)

Debt collector repeatedly called my employer after being verbally told not to because the number was never provided on the original credit application or form for services. The debt collector admitted to seeking out my employers number online then started contacting me at work without authorization. Secondly the original creditor is billing me for archives that were never rendered. This XXXX is for XXXX appointments that were canceled within the allotted time frame outlined by the medical practitioner.
Consumer complaint received 2016-02-22
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (FL)

I am currently leasing a 2013 XXXX XXXX XXXX XXXX. The lease payments are all current. The lease ends on XXXX XXXX, leaving XXXX more payments. I wanted to review all of my options before deciding what to do. i signed into my account yesterday on XXXX, and clicked through to find my current " Buyout quote ''. I had received a " hyundai lease-end kit '' in the mail yesterday. It has a section called " Key Lease End Terms '' The term " buyout quote '' is defined in their " lease end kit '' as " The amount ( including taxes ) you 'll pay to purchase your leased vehicle ''. That amount for me was on the website as {$16000.00}. 
I was told by Hyundai Finance that in Florida, lease end vehicle purchase must be made through a dealership. I called the dealership then, and was told there was a {$590.00} fee for this " service '' and that the amount did not include sales tax. They told me it would cost {$18000.00} to purchase the vehicle. 
I am wondering 2 things. Why is the definition included in their own lease end package saying it includes all taxes? 
Also, I have in the past purchased leased vehicles at my lease end and simply had to send a check to pay off the balance to the finance company. The last one was XXXX finance. Why is Hyundai finance telling me that in Florida it is the " law '' that the purchase be made thru a dealership? Perhaps the law has changed? It has been awhile since I purchased the last one ... 10 years actually ... so I suppose the law may have changed. I would just like to be sure.
Consumer complaint received 2015-04-29
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (SC)

I submited a auto loan application on XXXX/XXXX/2013 at XXXX of XXXX. The deal was XXXX finaliized that same day, or so I thought. Then XXXX came to my job under false pretenses and stole the original application from my car. Fast forward to now, I just saw that XXXX submitted my application to several financial institutions on that day and then on XXXX/XXXX/2013 without my consent. I disputed it with XXXX, but was told to call those financial insitiutions directly. I did and thy told me that they could not help me since I do not have an account with them. I called XXXX and told them then was directed to XXXX. I called XXXX several times, but the financial manager refused to take my call. I emailed the owner who has not replied me.
Consumer complaint received 2016-08-03
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Simon's Agency, Inc. (NY)

There are two issues. One is the validity of the debt, and the second is the fact that I asked them to stop contacting. I sent a letter certified, return receipt asking them to stop contacting me. They continue to contact me.
Consumer complaint received 2020-04-19
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 — Was not notified of investigation status or results
Company: Westlake Services, LLC (AZ)

This is a last resort to get the issues with my credit finally resolved. It has been well over 60 days with absolutely no response from the credit bureau which is showing complete disregard for the laws governed under the FCRA. Please help
Consumer complaint received 2015-08-13
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

I have a Loan ( Mortgage ) with Green Tree and they charge a {$12.00} fee even if automatic payments are set-up directly from the bank account. For example I called to set-up my automatic pymts. and they told me that every month they are going to charge me a {$12.00} fee in addition to my mortgage payment. The only way to avoid the fee is by mailing a check every month, and again as they said, that is not a secure method because the check can be lost in the mail. We are in 2015 and I do n't consider the {$12.00} fee fair to Green Tree 's costumers. Just multiply {$12.00} fee for 30 yrs!