davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-10
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (MA)

Paypal limited my account. I still have { {$220.00} } in eBay gift cards which can only be used with a paypal account. 

Now I ca n't use this gift card balance because it is linked to my limited PayPal account. PayPal is not willing to give me a refund of {$220.00} nor issue me a different gift card of {$220.00} value or even de-link this gift card so that I can gift it to someone else. PayPal is saying I will forfeit the {$220.00}. 

I bought these gift card and paid the full purchase price, so they ca n't keep it. I believe it 's absolutely wrong for PayPal to take away my eBay gift card balance. Request your help to recover my money.
Consumer complaint received 2016-07-12
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 (CT)

XXXX XXXX XXXX XXXX XXXX ), is in possession of a Paypal Credit loan, according to Paypal 's records. Despite some fraud charges and items/orders I did not receive, I 've attempted to make payment arrangements. However, Paypal Credit reps would not lower payment amount due. They insisted on a payment plan, but a payment plan or arrangement does not lower actual amount due nor does it waive any late or over limit fees. They were or are attempted to collect a minimum payment of well over XXXX, a VERY unreasonable amount considering the fraud/missing orders and or items. The fraud aspect of the account is due to a cousin with almost an identical name, XXXX XXXX. My name is XXXX XXXX XXXX, he does not have a middle initial or does not use XXXX. He placed a number of orders with an XXXX orders running into the thousands. There are also some orders which I did not receive, however, I do not have the company names available to me as I do not have a full accounting of past orders. I do know the majority of the balance is from an XXXX, jewelry orders. This is fraud. He used my computer to go on XXXX, placed the orders without my consent.
Consumer complaint received 2016-03-31
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO. (AK)

I took a loan out with Ford Motor Company to boost my credit score, I 've been paying on time for over a year. Still nothing about the loan is reported on my reports. I have called the company to ask for resolution and to no avai, l time will not solve this issue by its self. When I shopped for the loan and agreed to the chosen loan it was with the understanding they reported to all three companys.
Consumer complaint received 2015-08-31
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: EZCORP, INC. (TX)

Excessive fees and high interest rate of XXXX l only borrow {$940.00} and paid over {$900.00} dollars in fees and finance charge. 
This financial institution shutting down in lending because of. A Federal Government fine of {$10.00} XXXX dollars.
Consumer complaint received 2016-05-13
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Home Loan Center, Inc. (NJ)

I recently applied for a loan online from Lending Tree/XXXX XXXX and was pre-approved, and then proceeded to complete my application by phone. I was told over the phone that the loan had been finally approved at the rates I was quoted online, but was then transferred ( by phone ) to a local branch to make an appointment to sign the paperwork. That phone representative then quoted me a rate more than twice the original amount and tried to sell me an auto loan instead. 

This is a classic bait-and-switch scheme. They may have fine-print disclosures in the Terms and Conditions, but they should not be allowed to misrepresent the product to the consumer in this manner, which is misleading and false. They prey upon desperate consumers who need funds on an urgent basis and wear them down by keeping them on the phone for a long time, ultimately persuading them to accept a product for which the consumer pays a drastically higher rate, if they agree. 

They transferred me several times, and finally connected me to some kind of financial institution called XXXX XXXX XXXX at XXXX XXXX XXXX. in XXXX XXXX, NJ, XXXX. 

This is truly a horrifying scheme.
Consumer complaint received 2016-08-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO. (NC)

My complaint is against Ford Credit of XXXX XXXX XXXX in XXXX, XXXX. In XXXX 2012 I purchased a car from the XXXX XXXX in XXXX, XXXX. Only a month later I lost a job I had at XXXX for 22 years. I tried working through the XXXX Car dealership where I bought the Audi TT. I took the car to numerous other dealerships in the XXXX area. Nothing worked and my job was terminated by XX/XX/2012. I contacted Ford Credit and turned the Audi in to the dealership where I purchased it. Ford eventually sold the car at an auction and sent me a letter expecting me to pay the amount of difference between the amount I bought the car for and what it sold for at an auction, $ XXXX-XXXX. Since this time Ford and their surrogate debt collector agency, XXXX XXXX of XXXX have hounded me by letter, phone calls and law enforcement visits for four years. I feel that Ford Credit and XXXX XXXX XXXX have treated me unfairly. They have involved my elderly parents in their harassment. My mother is very sick with XXXX. I do not think that I should pay for a car I kept for only weeks, especially when Ford and the dealership were unwilling to help me return/sell the car. I retired after losing my job and have been honest with my creditors. I am filing a complaint as Ford Credit and XXXX XXXX continue to pursue me, harassing me some four years after the car left my possession. Please forward my complaint to Ford Credit and make it available for other consumers to read.
Consumer complaint received 2015-07-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Green Square Company LLC. (AL)

we keep getting calls saying we owe a loan that we didnt even take out and that this company was going to take us to court and seek other damages and they call at all times of the day and nite and i told them just try and see what happens they have tried this in months past and we have caller ID so we dont answer the call and they quit for awhile and now it has started back and it comes from a XXXX #
Consumer complaint received 2015-06-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (PA)

good morning my name is XXXX XXXX my loan number with chase bank is XXXX for the property locate at XXXX XXXX XXXX XXXX XXXX, PA XXXXsince XX/XX/XXXX i been working with chase bank to do a short sale on my invested property locate at XXXX XXXX XXXX XXXX XXXX, PA XXXX. As i explain on my hardship Letter and i proved with my Financial statements and tax return i cant not longer continuum doing the payments for this property due to income reduced and lack of funds i will attached copy of the hardship letter at this time i am 4 months late on my payments in the past 3 years i invest about {$62.00} to remodel this house do to a Tenant vandalize the property .. i have all the receipts XXXX XXXX , windows, electric box roof kitchen and more we do n't have any more money to contribute to this property the house has been on the market for sale for over 1 year at a price of {$52.00} Note my balance due on this loan is {$51000.00} for that reason i cant put this house on the market for less money Since XXXX we have received. XXXX strong offer as cash for short sale on the amount of {$34.00} the bank appraisal came to a value of {$27.00} much less that the offer my total income declare on my tax XX/XX/XXXX was {$32000.00} a yearmy income is about {$2600.00} a month and my house expenses a month are about {$6200.00} with out counting the business expenses since i am self employee and my income is based on Commissions. on XX/XX/XXXX the bank negotiator name XXXX XXXX send an email to my realtor XXXX XXXX with a short words saying that the short sale was dined not explanations i call a supervise and he told me the reason of denied is i have to much income?? they are using a wrong calculation of my profit and loss and they refused to explain how they come on with the calculation XXXX told my realtor Quote : please tell your client not to call me i do n't want to talk to then i will communicate via email for any questions i am attaching the letter of my income explanation for you to review .and i would like some action to be taking to XXXX XXXX for not been working with ethic for customers and never return a phone call to us we are 100 % sure the reason of the bank denial is because XXXX XXXX XXXX XXXX not doing a good work on this loan the lack of communication with the clients the Nasty attitude to my realtor and my self is coming to the conclusion that she is not working to help Customer interest but only the bank interest. our gold is to short sale this property since we cant do any more paymentsmy email is XXXXXXXXXXXX my phone is XXXX XXXX
Consumer complaint received 2016-05-13
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (WV)

I opened a Macy 's Department Store credit card account in XXXX XXXX. I made some purchases that month and paid my balance in full. I was receiving my statements via email. I made some more charges in XXXX XXXX. However, i never received a statement and forgot about the charges. I then get a phone call on XXXX XXXX, XXXX from Macy 's informing of a past due balance and 5 months late fees. I advised them i never received the statement. They told me that if i would pay the balance off, they would waive only XXXX or XXXX of the late fees. I advised them i was not going to pay any late fees and wanted to appeal the late fees. I paid them the balance and a little extra. After the payment was posted, there were still several months of late fees. I called again and the account supervisor informed me that there had been a computer " conversion '' and some customers had complained about issues with their statements after the conversion. He offered to waive all late fees and advised i would have a zero balance. Before this incident, my credit score averaged XXXX. In XXXX my credit score dropped to XXXX. I have no other credit issues and consistently pay all credit card balances/bills in full and on time. I spoke with XXXX ID # XXXX.
Consumer complaint received 2016-10-03
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (FL)

Dear Citi/Best Buy Bank, I am submitting a claim on my credit card because I have been scammed. I was lead to believe they were going to try to help me with a Federal Grant. I was going to try to help out my sister because she has been out of work for several months, help my son get on his feet with a business, to look into getting solar panels to help on our electric bill, and help pay on my credit cards because I been helping my son and daughter out. This company has pulled funds with the following information and date : XX/XX/2016 XXXX XXXX {$3000.00} Please reverse these charges as I do not except these charges. Please Help Me.
Consumer complaint received 2015-09-22
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A. (PA)

I applied and was awarded a Sears Citi Credit card in XXXX 2013. They approved and awarded me a credit limit of {$6000.00}. I have paid consistently without incident. Now they have dropped my limit to {$4800.00} which has impacted my credit score because I owe {$3800.00}. So instead of being {$820.00} away from be 50 % below the limit the credit limit keeps getting reduced as I pay the credit card down. So my credit score is lower then what it should be due to no fault of my own. Please request that Sears increase the limit back to {$6000.00} as originally agreed. They do not have to permit or allow any future charges, but I want my credit score to increase by having them maintain our original agreement. Thank you for your assistance with this matter.
Consumer complaint received 2017-01-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: CITIBANK, N.A. (TX)

Judgment XXXX In the Matter of the Marriage of XXXX XXXX and XXXX XXXX in the District Court XXXX Judicial District XXXX XXXX County, Texas XXXX Final Decree of Divorce. " It is ordered and Decreed that the husband shall pay, as a part of the division of the estate of the parties, and shall indemnify and hold the wife and her proerty harmless from any failure to so discharge, these items : Debt owed to Sears, Account Number ending in XXXX. Per the Divorce Decree I closed the account and added XXXX XXXX on the account. Since, the divorce XXXX XXXX XXXX has missed several payments which are now on my credit report. I have contacted Sears at XXXX which acknowledge they have a copy of the divorce decree but will not remove or modify the credit report. Per customer service will continue to report any future late payments from XXXX XXXX to my credit report.
Consumer complaint received 2016-10-03
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (NV)

Several months ago I filed a complaint with your office against Paypal for their unscrupulous, unethical, bullying and probably illegal business practices. That Complaint # is XXXX. They surreptitiously permanently shut down our account for ONE violation in 15 years and refused to release the funds on deposit in our accounts. The money was released, and we moved on. 
Now, almost 8 months later, we find our accounts have remained open, but permanently restricted. We will never be able to use them again. We have XXXX accounts, each of which has a credit card and banking information attached to it. We do not want our banking and credit card information floating around in cyberspace in perpetuity. 
We reached out to Paypal to close both accounts and they have flat-out refused to do so. Their reason for refusing to close out our accounts is not plausible. In today 's day and age, I am sure there is a program or two that can keep track of Paypal 's closed accounts. They are just continuing to engage in their monopolistic, bullying, arrogant, and unethical behavior. 
Can you please help us get these accounts closed so we can move on from this God-awful company once and for all. 
I am attaching copies of Paypal 's responses to our request to close out our XXXX accounts.
Consumer complaint received 2015-04-11
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Comerica (TN)

Billing or Collection Issues - The company has processed an unauthorized bank debitProblem : i get my ss money thur direct express debit card on XX/XX/2015 @ XXXX i went to atm my card was declined, @ XXXX i called bank, was told on XX/XX/2015 someone in XXXX fl, request change address and a new card in my name, it was sent out, on XX/XX/2015 in XXXX transactions my acct, was wiped out, i want this company to give me my money back,,, i have filed police report wth XXXX city police, XXXX XXXX @ XXXX report # XXXX, went to ss office had them change to another bank so on XX/XX/2015 my money will go into new act,, the direct express card was, closed, i filed on line police report wth XXXX police dept, also, also filed fraud wth federal trade commession, ref # XXXX, and credit agency.and filed wth idenity theft resource center, ,please help if you can,,
Consumer complaint received 2017-02-27
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

Citibank had a promotion requesting folks open a savings account and deposit money, maintain it for three months, after which customers would receive an account bonus. Through their promo page, I enrolled, opened the account, and maintained the required balance. Citibank has not deposited the bonus as promised. Their customer support appears to be totally in the dark and clueless about this.
Consumer complaint received 2016-04-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (WA)

I paid anywhere from $ XXXX a month above my actual payment amount to Ditech. Per my loan agreement and their web site, the extra money should be applied against the principal. Instead, Ditech applied the funds to an " unappropriated '' funds account, where the money sat with no interest earned or, more importantly, applied to the principal owed. This is clearly a breech of contract on Ditech 's part. They refuse to answer four written inquiries for explanation and/or resolution.
Consumer complaint received 2016-01-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (OH)

i have a XXXX mortgage on my property that was transferred to greentree servicing on XX/XX/2013 and i subsequently have paid the XXXX $ speedpay payment ever since.They recently paid me back XXXX $ for the last 3 months.My question is under their recent settlement with the CFPB are they going to refund all those speedpay payments?
Consumer complaint received 2016-11-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MD)

My mortgage processor is sending me a NOTICE OF DEFAULT AND RIGHT TO CURE DEFAULT when i 'm not even 3 months ( 90 days ) late on my mortgage. In addition, my mortgage is due on the first of each month with late fees starting on the XXXX of each month and a grace period until the end of the month. Therefore, Ditech ( my mortgage processor ) starts calculating my loan is late on the XXXX and issues me a NOTICE OF DEFAULT AND RIGHT TO CURE DEFAULT on the XXXX of the month. As a result, I have 90 days before I even suppose to get such a letter which was send to me in 60 days.
Consumer complaint received 2023-02-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (MA)

Wells Fargo auto loan from approximately XXXX XXXX. Funds applied to next payment rather than additional principal to pay down quicker several times. Company would not allow you to pay extra to principal online when making regular payment. Would have to call- wait on hold for over 20 mins to in order to pay principal only payment. Suppressing consumers from making extra payment toward principal.
Consumer complaint received 2015-07-27
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Rocket Mortgage, LLC (CA)

I keep receiving calls from a XXXX area code number a person identified himself as XXXX, I asked what it was about and he said I am calling from Quicken Loans. I told him that I have never applied for or done any business with Quicken loans, please do not call again. The call keep coming starting at XXXX, PST from phone number XXXX, when I tried to call back I get a recording saying, this number is not in service. Then today my sister-in-law called to.tell me that they are getting calls from same number and same person named XXXX. I do not give my brothers phone number to anyone. I also will say I have had many medical bills go to collection due to my XXXX and inability to pay them off within 120 days. I also have a very poor credit score as a result of my medical bills. It is very upsetting that a company continues to call after I told them to stop. I have via XXXX XXXX XXXX been able to add this number to a blocked caller list feature they offer. But the calls still come from XXXX exchange with different last XXXX numbers, even gone as far as to use a number of XXXX. I have at times answered calls that caller I 'd showed as " Out of area '' and they ask for me I say no one by that name lives here.
Consumer complaint received 2016-09-21
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (MO)

I got back to the USA and requested a credit card to Citicards.com that was accepted. 
I used it for a month and suddenly it was blocked because Citibank has some concerns about suspicious account activity. I faxed them all of the requested information ( SSN card, service billing and passport ) but after weekly calls, now for a month, my card is still blocked. Apparently they need a phone number, one that they can verify, to call me back. I am using XXXX XXXX XXXX as provider, which for some reason is not included in their check up database ( landlines are useless for them ). 
I have paid past month statement ( electronic transfer from a bank account at XXXX XXXX XXXX under my name ), but still, I can not use that information to validate my identity. 
The irony is that as the account is blocked and thus I can not close it, and I do n't know how to proceed, as their customer assistants can not provide any alternatives to prove my identity, nor escalate me to a supervisor ( They even hung up on me when I requested that ). It 's a dead end, and it seems I am stuck in their XXXX like bureaucracy
Consumer complaint received 2016-08-03
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (NJ)

I opened my Citigold checking account and there was some block on my account. I received the e-mail from Relationship manager on XXXX/XXXX/2016 that account is active and I will receive new debit card. 
Second debit card was blocked too, I was never able to register my account online nor I can withdraw money from ATM machine. I went to branch office on XX/XX/XXXX, they issued my new temporary debit card and promised that on XX/XX/XXXX, I will have access to my funds. 

It 's been 3+ months and I do n't have access to my funds I ca n't close it, I ca n't query the balance. Citibank has taken my money and then put the block on it.
Consumer complaint received 2016-09-16
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CITIBANK, N.A. (TX)

Went through process of refinance with CitiMortgage. At the last moment, loan officer made a big error in my monthly payment she had estimated ( more than I had expected ). I went ahead with it and paid {$450.00} for appraisal. Appraiser was VERY rude spent no more than 15 min at my home and appraised it way under the county taxed amount and was unfair appraisal. Challenged appraisal with back up and proper comps from a licensed real estate agent and appraisal still stood. Was very close on the XXXX % equity ratio so Citi jabbed me on money to bring to table and extra closing costs. Felt like bank was in bed w appraiser. Just not right. I signed closing papers but backed out of deal w/in 24 hours.