davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-13
Product: Money transfers — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (PA)

I am filing this complaint regarding Pay Pal. 
The fees they charge for a seller on ebay are not transparent. They are hidden, and difficult to find. For the casual individual selling something on Ebay, it is very tricky. 

1. When you receive payment from a buyer through Pay Pal, you receive an email from Pay Pal saying that you received a payment of, for example {$100.00} from a particular buyer. There is no mention of fees being taken out by PayPal. If you go to your Pay Pal account ( using the Pay Pal phone application ) there is no reference at all to fees anywhere on the site. When you look at your personal activity ledger, it will show, for example for the fictional transaction above, that your account was credited approximately {$97.00}. There is no reference, even in the details of the transaction report, to the 2.9 % plus {$0.00} in fees that Pay Pal removes from what the buyer paid. The smaller amount just shows up in your account. This seems to me obviously designed to make it difficult to see the fees, and to make it likely that many people will overlook the fact that fees are being taken out of the account. If you just go by the emails you receive from PayPal, you will one day look at your account and find significantly less money than you expected. Pay Pal should be required to show the fees they are taking in the emails and phone application account activity. Anything less is deceptive and misleading. 

2. The PayPal website is better on this, but only slightly. If you go to the Pay Pal website, and have not signed in, then if you scroll to the very bottom of the page, you will see a small word " fees. '' If you click on that you get information on seller fees. However, once you log in to the pay pal site -- which most people do immediately and automatically -- then the fees information disappears!! In other words, once you log in, you can not get information on fees!! Obviously designed to hide information from Pay Pal users. 
On the website, in your one 's personal account, you see nothing about fees in the listing of transactions. Only when you click on the details of an individual account do you see the actual calculation : the money sent by the buyer, and the amount extracted by Pay Pal. 

The above represents classic tactics to hide the amount and taking of fees from Pay Pal users. Obviously, the intrepid and careful user ( who does n't log in ) can find the information. But Pay Pal has designed its system to hide this information from the user who uses Pay Pal 's phone application ( no information about fees at all, and misleading account information ), and even on the Pay Pal website the fees are unnecessarily hidden. Pay Pal is a huge company. With millions of users, they are able to make quite a bit of money out of these deceptive practices. This is wrong.
Consumer complaint received 2020-04-19
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (NC)

XX/XX/2019 - {$530.00} XXXX XXXX XX/XX/2019 - {$50.00} - XXXX XXXX XXXX XXXX We had contacted the bank and disputed the amount five times about these two transactions and they declined both.
Consumer complaint received 2016-02-19
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (ID)

PNC claims they have no mortgage lien against my property located at XXXX XXXX XXXX XXXX ID. XXXX has noted after 2 years of me arguing with them that PNC claims they do not own this loan. I have tried to correct this info on my credit report through XXXX which states they sold the loan to some other party yet they still hold a lien on the property and never released themselves from title. 
This is the account I am complaining about as directly copied and pasted from my credit report. 

XXXX - XXXX Report Number : XXXX Online Credit Report from XXXX for : XXXX XXXX Report date : XXXX XXXX, 2016 PNC BANK , N.A . 
Address : XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Account Number : XXXX .... 
Address Identification XXXX Status : Closed. 
Date Opened:XXXX Reported Since:XXXX Date of Status:XXXX Last Reported:XXXX Type : Home Equity Terms : NA Monthly Payment : {$88.00} Responsibility : Individual Credit Limit/Original Amount : {$120000.00} High Balance : {$120000.00} Recent Balance : {$0.00} Recent Payment : {$420.00} Comment : Purchased by another lender.
Consumer complaint received 2016-06-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (OR)

I receive social security & XXXX I recently got a letter in the mail from them saying I will be penalized because I am over my resources with an account from Pnc Bank I am not banking with Pnc Bank I will not be able to support my self because SS/XXXX is going to stop paying me due to this I have not giving anyone permission to open up an account in my name I called customer service but was n't able to get help because I did n't have an account number to give them I recently change my name my previous was XXXX XXXX
Consumer complaint received 2016-03-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (NV)

I applied for assistance in saving my home from foreclosure with my servicer PNC Mortgage. I was denied for a loan modification and was offered instead to short sell my home. I hired an attorney / real estate broker to handle my paperwork and sale of my home. On XXXX XXXX, 2016 I was denied for assistance. My denial letter ( Attached ) states I can appeal my denial by XXXX XXXX, 2016. However my servicer PNC has set a sale date on my home for XXXX XXXX, 2016 and they state they will not extend that sale date. My attorney email 'd an appeal to that denial on XXXX XXXX, 2016 and PNC has not yet replied to that appeal. My attorney spoke with PNC advising them that they would be violating RESPA XXXX XXXX XXXX XXXX ) by continuing with the sale of my home while my appeal period was still in effect. I have this offer in writing ( see attached denial letter ). I simply want PNC to give me the opportunity offered to me both in writing in their denial letter as well as is offered by RESPA XXXX XXXX.
Consumer complaint received 2017-05-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NC)

In XX/XX/XXXX we were approved for a loan from XXXX XXXX to further our son 's education. During this time XXXX XXXX changed into Navient. We have paid on our loan for 16 years, the loan was for {$39000.00}. Today we still owe {$25000.00} in principal. We wonder what happened to all the money we have paid in because we have paid {$33000.00} est. We are missing a full year in amortization from the Navient 's list of payments that was mailed to us. Along the way we were slapped with roughly a {$1000.00} in late fees. We are now retired and are concerned about this entire fiasco, and would like someone to help us with this matter.
Consumer complaint received 2016-04-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (TX)

Despite providing proof of insurance in writing that a sufficient amount ( exceeding the outstanding loan balance by {$100000.00} ) of insurance was in place on at least two occasions I continued to receive threatening letters from PNC Mortgage that unneeded insurance was going to be procured on my behalf and I would be financially responsible for its cost. After receiving an insurance policy in the mail procured by PNC Mortgage and a letter describing an increase in my monthly mortgage payment I called to try to resolve the problem. I talked to XXXX XXXX on XXXX XXXX, 2016 at approximately XXXX and was told that in fact they did have my proof on insurance on file but thought my townhome required an HOA policy in addition to the policy I had in place. I explained the HOA bylaws had changed and there was no longer going to be an HOA policy. I further explained that my policy replaced the HOA policy and covered everything that needed to be insured. XXXX responded that someone would be giving me a phone call to discuss further. She would not correct the problem. No one from PNC Mortgage has made any attempt to contact me. I have now received a new payment booklet with an increase in my monthly mortgage payment of {$210.00}. I know that these third party insurance policies are very profitable for a company like PNC Mortgage but I currently have and have always had the required insurance in place and have provided written proof on multiple occasions.
Consumer complaint received 2016-02-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (CA)

When I turned XXXX last year I went in to XXXX XXXX and the banker helped me apply for a credit card. The credit card was denied because I was in " debt ''. I had just turned XXXX, and I applied for a credit card to help me build my credit. I was upset that They denied my application, and I was told I had to wait 6 months to try again. I wanted to know why, so I looked in to getting a credit report. Just turning XXXX years old should have meant I have absolutely nothing negative on my credit report. When I was sent my credit report from all three credit " reporters '' their was an error on my account, saying that I owed thousands of dollars in medical bills from XXXX of 2009. In XXXX 2009 I was XXXX years old, and legally I was not responsible for paying for that. I called and explained this to the person at experian, and they said they would take care of it, and supposedly they did. This week, I went in again to apply for a credit card, and I was denied again. I can not believe that this is happening to me. I can not get a finance a car, or get a credit card, all because of this error. This is not fair to me. I 'm a XXXX, who wants to be an XXXX when I graduate, and credit is the most important thing to me. I am asking for help. I have so many other things to worry about like homework, school and work, and it 's not fair to me that I even have to go through this nonsense. 
Sincerely, XXXX XXXX
Consumer complaint received 2017-02-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

I 've tried disputing a couple of fraudulent accounts on my credit report, and the Bureau has taken some of it off but only the collection things. I 've sent letters to the creditors XXXX, XXXX XXXX, XXXX XXXX, etc. and have gotten little response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine? Most recently about a month ago I did send in an Identity Theft document and all of the items it asked me to include. Feel like after six months of disputing and working hard that it is going nowhere. Would like to have this stuff taken off my credit report bc it is not mine. Thank you
Consumer complaint received 2015-10-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

I have attempted to dispute this account with Experian by mail on multiple occasions. I am a victim of identity theft. I sent a letter requesting verification to XXXX XXXX XXXX for this credit card account that appears on my report. The verification information I received back very clearly showed the account belongs to another person with the same first name as me and an address I have never lived at.
Consumer complaint received 2016-06-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (NY)

I have been working with Experian for several months now and for the most part that have been responsive but I dont understand the responses they sent. I am simply asking for the removal of the late payments on a few of my accounts and they keep responding saying that the information has been 'verified ' but no other information. I am confused because I am sure that the information the are recording is not at all correct. For one thing XXXX has removed the XXXX Bank card because they found that they could not match my information with the ones they had on file and I thought that all of the bureaus report the same information so if XXXX removed it, why doesnt Experian? There is also a XXXX XXXX Bank account that has several late payments I dont think should be there. There is an XXXX account that XXXX deleted because they couldnt find evidence that the account was mine so why wont Experian? This goes back to me feeling like the bureaus are all reporting the same information and its confusing to me. I also see they added a collection from XXXX that doesnt seem to be on any of the other bureau so I am surprised that this is on here at all. There is no evidence of past due history or proof of sale or anything ... .I dont know where this came from at all! I really need some help here.
Consumer complaint received 2016-10-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MI)

Experian continues to report information on my credit report that does not belong to me. My report number is XXXX. 

The bankruptcy filings listed are not mine. I will need proof that it does not belong to someone with a same/similar name or the signed papers since I am not a party to this. 
I am asking for the method of verification under FCRA Section 611 ( a ) ( 7 ). The federal Fair Credit Reporting Act states that I may request a description of how XXXX verified the information, including the business name and address contacted and the telephone number if reasonably available. 

Additionally, XXXX XXXX XXXX is reporting a trade line on an account number that is not mine. I contacted XXXX and the information they furnished does not match what is being reported on my credit profile. 
I intend to sue for willful non-compliance under FCRA 616 if this dispute is not researched and the requested documentation furnished. 
I am requesting that these XXXX entries be investigated and removed.
Consumer complaint received 2016-05-21
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (CA)

i need to see my credit report, again. i noticed two items on report that had incorrect info.1 ) XXXX cell phone bill 2 ) $ XXXX dont remember from who.also i have no bank account & only XXXX old phone number, was listed.
Consumer complaint received 2016-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (KS)

I have been disputing inaccurate information on my credit report for over 1 YEAR and yet to have my report corrected. XXXX XXXX XXXX listed is incorrect. The balance is {$0.00} because it was transferred to U S DEPT OF ED/XXXX which I AM CURRENTLY PAYING EVERY MONTH. Yet it is NOT reported that I am in good standing and PAYING currently. 

AGAIN EXPERIAN CORRECT THIS IMMEDIATELY : XXXX ( XXXX DIFFERENT ACCOUNTS ) NEEDS TO SHOW A {$0.00} BALANCE. THE ONLY ACCOUNT WITH A BALANCE DUE IS U S DEPT OF ED/XXXX.
Consumer complaint received 2016-11-12
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc (CA)

My PayPal debit card was skimmed or hacked when I used a XXXX ATM on XX/XX/2016 and on XX/XX/2016 XXXX transactions were made a minute apart withdrawing {$300.00} and {$100.00} from my PayPal account. I discovered the fraud on XX/XX/2016 informing PayPal immediately. I filed a claim with PayPal and file a police report. PayPal has subsequently denied the claim stating that my PIN number was used in the XXXX transactions and citing other irrelevant information stating that because I checked my balance prior to the reported fraud and that because I had used that ATM one time before that they would be denying the claim. They did n't even wait to obtain the police report or try to contact XXXX to see if there were other similar claims at that location. I called XXXX to report the claim and they refused to accept the claim because they said I did n't have an account with them. They suggested I file a claim with XXXX which is the bank listed on the back of my PayPal debit card. I called The XXXX and they refused to file a claim and said they would side with PayPal anyway. I just do n't know what else to do?
Consumer complaint received 2016-10-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Paypal Holdings, Inc (FL)

Someone has used our information to create a PayPal Credit account and charged over {$1000.00}. We have gotten daily calls to both our cells even though we have reported it as a fraud, have a case number, and reported to our credit agencies. They just keep calling! I 'm going to have a XXXX XXXX. We are elderly and it is abusive. We have excellent credit and always pay our bills. Please please help us!!!
Consumer complaint received 2020-10-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Levy & Associates, LLC (OH)

Levy & Associates ( XXXX, OHIO ) filed a law suit against me in XX/XX/XXXX. 

Their " bill of sale '' from XXXX of XXXX showed an amount they essentially " made up '' and submitted to XXXX Municipal CourXXXX ( XXXX, Ohio ) as evidence of what I somehow " owed them ''. 

A debt consolidation company I hired in XXXX of XXXX, XXXX XXXX XXXX, had negotiated an amount which was less than half of that which Levy & Associates are currently attempting to collect from me. This settlement letter was issued to me in XXXX of XXXX -- which is after their " supposed '' bill of sale. They submitted false evidence to the court and caused additional injury to me and my family. 

Furthermore, the date of this suit is pertinent because, clearly, they are merely attempting to unfairly profit by further injuring vulnerable consumers and heads of household already compromised by challenging economic conditions. Levy & Associates is actively engaging in unfair, deceptive, and in my opinion and that of millions of consumers abusive practices -- they don't see this as abusive, but causing economic injury to a parent who lost a child and is attempting to recover, is abusive.
Consumer complaint received 2017-03-18
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BB&T CORPORATION (FL)

Recently received calls from BB & T telling us that there are modification options available to us. We have submitted a complete modification package for review two times but have not received a confirmation of recept. According to the Bank 's lawyer nothing has been received. So we asked her for her fax number to send her a copy to see along with our prior fax confirmation records. The fax that she gave us would not accept our fax, we tried numerous times ( sent bank 's lawyer record of failed fax transmission ), so we sent her the documents via XXXX. She claimed she could mot see the Application in XXXX. So we asked for a second fax number as there was something wrong with the first, she then reveals that she gave us the wrong fax number. So we faxed off the application for about the seventh time for the day and asked for confirmation of receipt which she has not done. Nevertheless she has set a court hearing to ask the court for a sales date with full knowledge that a completed modification application has been submitted for review and she was in receipt of a copy for yourself to see.
Consumer complaint received 2015-06-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Jvs group (TX)

On XX/XX/XXXX I was contacted by representative XXXX of JVS Group stating that she was attempting to collect a {$470.00} debt incurred by me for medical services. I expressed to her that I had a XXXX balance with the medical provider that had been recently confirmed. I asked her for an itemized bill detailing the dates of service, patient names and amounts that she was attempting to collect for. She stated that she was unable to mail me this information but provided me with a list of dates and amounts that did not add up to the amount they said I owed. I immediately called the original debtor who checked in their archive system due to the oldest date of service originating in XX/XX/XXXX. They again confirmed that I had no outstanding balances other than an account sent to another collection agency that I make monthly payments towards. All other services had been paid for- not written off or otherwise sent to collections. 

After reviewing the matter, and fearful of aggressive collecting tactics that could destroy my credit, on XX/XX/XXXX I mailed a certified letter to JVS to formally dispute the validity of the debt. I expected a return notice that they had received my letter. It never appeared. Instead, on XX/XX/XXXX I checked the tracking number via USPS.com and learned that a notice was left at the address but no authorized recipient was available. So, I called XXXX XXXX listed on the collection letter from JVS. He was very unhelpful and advised me to mail my letter of dispute via regular postal mail or to give him my phone number so that he could research my complaint. Then, after I refused to give him my number ( which his office has since XXXX called it before ), he stated that I had several open collection accounts, he was a very busy man on his way to a meeting and unceremoniously transferred me to his voicemail! I left him a message with my name and my JVS account number and advised him to cease and desist all collection activity since I dispute his claim.
Consumer complaint received 2016-01-15
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION (TN)

BBT ( Banking ) continues to charge overdraft fees. For example, they will have pending amounts that they already take the amount off of your available balance. Then when a charge goes through that is not pending, they charge you an overdraft fee. When you go to the ATM to put money in to cover the negative balance, they hold the amount, then, the next day, when the pending amounts go through, they charge you another fee before depositing the money you deposited the night before. 
They have changed the time you are allowed to deposit from XXXX to XXXX, and will make NONE of the money you deposit available to you until the next day. 
The fees are out of control. They began charging a fee is you download your statement to XXXX. We were unaware of this, so they charged a fee for THAT fee. 
Banks are OUT OF CONTROL!!!! I have even had a hold on CASH deposits.
Consumer complaint received 2015-09-26
Product: Credit card — 
Issue: Credit determination — 
Company: BB&T CORPORATION (VA)

While trying to obtain a VA mortgage loan, I was unable to obtain the loan because of an error on my credit report. I filed for bankruptcy chapter XXXX and the banking financial was also included in the filing of lenders to file against in the bankruptcy. The bankruptcy chapter XXXX was filed in XX/XX/XXXX and was discharged XX/XX/XXXX. The credit report states, it 's was a judgment and not satisfied, but it was filed with the chapter XXXX.