davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (TX)

I requested a consolidation loan online from Nelnet. Nelnet sent a printed summary sheet to my home address, which included a proposed consolidation loan amount more than {$23000.00} in excess of my current loan balance.
Consumer complaint received 2016-03-26
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (PA)

I have submitted numerous stop orders to Chase regarding a charge of {$44.00} per month from XXXX XXXX XXXX XXXX. It is still being taken out after I submitted a charge back. I also contacted the company and they told me it was cancelled and I am still being charged. Please help.
Consumer complaint received 2016-09-29
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: COAST PROFESSIONAL INC (OR)

I still see a debt owed to Coast Professional on my credit report in the amount of {$2600.00}. This account has been paid in full for over a year. When I contact Coast Professional, they will confirm that I do not owe them any money but they will not provide written confirmation of any sort. 

This has resulted in my being turned down for a mortgage and paying thousands of extra interest on my auto loan due to an unfavorable rate offered because I credit score was damaged by this erroneous item.
Consumer complaint received 2015-12-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (MA)

Chase will not release the remaining funds from the insurance settlement I received as a result of storm damage my home received last winter. The amount they are holding is approximately XXXX. The give me inconsistent answers as to why they are holding back the funds.
Consumer complaint received 2016-11-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

I believe that I have been unfairly reported as having 30 days past due payment. Ditech failed to apply my payment to my account because my escrow amount was increased by {$34.00} and my payment did n't reflect the new amount. They did not make an attempt to contact me to correct the matter until the end of the month. I have never made a late payment and they would not work with me at all.
Consumer complaint received 2015-08-25
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC (GA)

On XXXX XXXX,2015 I had a house fire in XXXX room of the existing house contain to XXXX room of the house not the mobile home that is mortgaged to Greentree. 
The insurance company paid off the fire but the check was made out to myself and Green Tree I was told to send the check for their endorsement in doing so they kept the check requesting different documents after submitting everything I thought they asked for they have yet to send me anything to complete the repairs with. I had a friend helping me with the repairs but he got a job and had too stop so I have done the job myself with donations and love offerings for family and friends and have explained this to them, now they want the contractor number and all sorts of things but have not release any of the funds. They did send back the money I paid the guy for helping and the little I paid for the supplies I was able to buy but, nothing since then I have tried on several occasions to speak with someone from the claims dept. when they 're not being rude they put me on hold then hang up and wo n't answer the phone anymore
Consumer complaint received 2015-11-23
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC (AL)

Had a mobile home loan with Greentree. I divorced and mobile home was awarded to ex wife. XX/XX/2012 I was contacted by greentree that the account had not been paid in over 6 months. I made an agreement to pay the loan off for less than was owed. XXXX was owed, I payed half. In return for payment it would be taken off my credit report. I have tried to get them to comply with there agreement, they will not. Now that it is with Ditech they say they do not have any information on that and they are reporting XXXX written off.
Consumer complaint received 2016-11-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES (WI)

I have XXXX loans through Great Lakes that are in repayment, aquired while a student at XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX, WI. I have been making regular payments on the XXXX of each month for a number of years. On XX/XX/XXXX I made an extra payment online. The website clearly stated that after regular payments are made I can specify funds minus outstanding interest to be allocated how I specified. However on XX/XX/XXXX when I logged in to my account I see that the extra payment was divided between my XXXX loans. I called the service representative who told me that the " billing cycle '' starts the day after the regular payment is made and any payments after that day are applied as regular payments first, then the remaining amount it applied as an extra payment. She informed she could not change how my payment was applied. I requested to speak to a supervisor, which I did. The supervisor again reiterated that their policy is that the " billing cycle '' starts the day after the regular payment is scheduled and any payments made after that day are applied as regular payments first, applied to both loans, then any remainder is applied as an extra payment. Despite my insistence that my regular payment was not due for several more days and so the extra payment should be applied as such she informed that their policy had change recently to reflect the current " billing cycle '' policy. She informed me " no one can change the policy '' or change how my payment was applied. She also stated she had received multiple complaints regarding this policy. 

I would like to note I am aware that extra payments are applied to interest first. I am not disputing that the funds were applied to interest, but also applied to principal of the other loan.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NC)

I was told when I started the program at XXXX that they 'd cover all tuition with low interest federal loans. Then half way through they told me my options ran out and I had to leave the program or take these private loans. I declined. They said they 'd work with lenders to get me grants that would not need to be repaid. So I stayed in school, then at the end they told me they never got the grants and instead got me loans, at a rate of XXXX % through Navient. When I got my first bill it was XXXX % and XXXX %. I tried for years to work with them but their minimum payments were ridiculously high. Now they are suing me and taking me to court.
Consumer complaint received 2015-09-15
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime (AL)

I purchased a vehicle from DriveTime XX/XX/XXXX, they reported to credit bureau for 3 months and now state my information had to be deleted because of a bankruptcy that discharged XX/XX/XXXX..three years prior to opening this account. They continue to tell me that the credit bureaus will not allow them to report because of my bankruptcy and this is discrimination and negatively impacts my credit worthiness for no reason as this should have had no impact. My loan agreement and rights support credit bureau reporting and I want my information reported correctly and for the discrimination of bankruptcy accounts to be rectified.
Consumer complaint received 2015-09-03
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (TX)

Dear Sir or Madam. 

Would need your help on the following. 

PayPal limited my account permanently due to high number of claims with sellers. All credit cards stored under my PayPal account can not be removed according to PayPal rules. PayPal does not allow to use these credit cards in any transactions processed by PayPal done with or without logging into PayPal account. PayPal is still the only one processing engine for eBay. This limits my purchases on eBay because I can not use any of my cards with or without PayPal account. I asked PayPal customer service to remove my cards. The response I had is : " Thank you for contacting PayPal. While your account is limited you would not be able to remove your financial information. It is my pleasure to assist you. Thank you for choosing PayPal. Sincerely, XXXX. Protection Services Department PayPal '' PayPal limited my ability to make purchases on eBay by not allowing me to remove my credit card information. Is this legal? 

Please help. 

Thank you.
Consumer complaint received 2016-12-28
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NJ)

I have illegally signed up by PayPal Credit. I was unaware that I had been signed up for this and never consented to it. According to a collection agency they stated this occurred in 2014. They are now stating I owe close to XXXX dollars due to interest that has accrued. I never received any bills or statements and the collection agency stated I have been sent notices to an address in which I do not live at. I never approved of having this account and feel I enrolled in this without my knowledge or consent. I am not aware of what this initial charge is even for because the collection agency would not tell me.
Consumer complaint received 2015-06-15
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 (CA)

Around XXXX 2012, when I attempted to use my eBay account to sell items, I was informed that I had overdue seller 's fee. At that time, I disputed the fees because in reviewing my account online. I could see that it was another person who sold the items. Ebay agreed with me at that time and cleared my account. The dispute and resolution happened by phone and email in my eBay account. My eBay account does not have the old emails and when I spoke with Ebay today they have no record of my dispute and resolution in 2012. Also, my account no longer shows that items fraudulently sold through my account and the seller 's information which helped prove the first time around that I was NOT the seller. So here I am three years later disputing the same fees again and can not provide the proof because eBay has deleted the information from my account. 

Their dispute and resolution process should NOT be only by phone or inside the eBay account. Their should be a process that allows me to write to actual address and/or use my regular email account, so that I the consumer can have a permanent record of my dispute and their resolution.
Consumer complaint received 2017-03-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: I.C. System, Inc. (NY)

I am desputing a debt that was put in my name, that should be in my father 's name. I am XXXX XXXX XXXX my dad is XXXX XXXX XXXX. I am including my fathers birth certificate. I am not liable for this debt, it is not the first time they put fraudulent debt on my my credit that belongs to my dad. I was still in high school, I was not working to pay for the XXXX XXXX bill that was my dad 's responsibility. This was previously removed and has been added again when it should never have been there in the first place. Please remove the following debt listed below from my credit report. My email is, XXXXXXXXXXXX. You can respond to this email address. Thank You for your understanding. 

Sincerely, XXXX XXXX IC Systems XXXX XXXX XXXX, 2016. This is for a XXXX XXXX bill of XXXX, that my father 's owe. This is debt was removed and added again, when it never should of been on my report, Please have it removed again.
Consumer complaint received 2016-09-19
Product: Money transfers — International money transfer
Issue: Incorrect/missing disclosures or info — 
Company: Paypal Holdings, Inc (MI)

I sent a deposit for XXXX XXXX XXXX XXXX to import a vehicle. I have not received the vehicle since the purchase XX/XX/2016. I guess there are problems with the exporter in XXXX but now I dont get the vehicle I purchased unless I pay someone else to ship it. XXXX
Consumer complaint received 2016-09-06
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: Flagstar Bank, N.A. (MI)

I have a checking account with Flagstar bank. I have been a customer for about 6 or 7 years. I 'm a senior on social security, with a limited income so there often is n't much money in my account. But today I was charged for XXXX overdraft fees of {$36.00} each. The bank manager says he can only reverse XXXX of them. I called he main Flagstar banking support and got the same answer from them. My issue is that I have the Flagstar app on my phone. I check my balance Almost daily. When I checked over the weekend, I saw some " pending " charges that would post on Tuesday XXXX XXXX. The day after the XXXX XXXX holiday. 
So I deposited a check I had for {$150.00} so that those pending things would be covered. Well, it seems that the bank posts those first and so after the first or second pending item, the Overdraft fees kicked in and then of course all the rest of the items were rejected too. If the check had been posted first, there was money to cover everything I had pending. 
The bank refuses to help me with the XXXX overdraft fees is says it ca n't reverse. That 's {$210.00}. But my account is only {$130.00} overdrawn. So obviously it 's their fees that are causing the problem. I understand now, after speaking with them That things post on a certain order. If I had know that before, I had the check that I ultimately deposited yesterday last Friday. I could have deposited it then and avoided all of this. I did n't understand that it would happen like this. 
I 'm a senior. I do n't always understand the rapid electronic way that financial Institutions work now. I acknowledge that this is my error. But I have more than 2 weeks til My next social security check comes and a prescription that I need to fill Today or tomorrow at the latest. I have no way to make up the overdraft fees. The bank tells me not to worry, I have 30 days to " fix '' my account. These fees are about 15 % of my monthly income so just putting the money in the bank when I get my next check solves nothing for me. Then I am unable to pay other expenses or buy groceries next month? Not a solution in my opinion. 
I would appreciate any help you may be able to provide. 
Thank you so much. 

Item
Consumer complaint received 2015-10-21
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (TN)

Paypal Credit pulled my credit score without my consent, resulting in a hard credit inquiry on my credit report. The last time I was on Paypal, all I did was update my profile by adding my new bank account and my SSN. I just saved the information to my profile, I did not consent to them running it for Paypal credit. After doing some research, this has happened to many other people. It 's like as soon as they have your SSN, they take that as an okay to run your credit. The only thing I was doing was trying to get my profile as updated and completed as I could.
Consumer complaint received 2022-12-14
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: EQUIFAX, INC. (PA)

I HAVE SENT MANY LETTERS TO THIS COMPANY AND THEY HAVE NOT RESPONDED. 

I AM A VICTIM OF IDENTITY THEFT. AND EQUIFAX HAS MUTIPLE FRAUDLENT COLLECTIONS ATTACHED TO MY ACCOUNT WHICH ARE NOT MINE. 

PLEASE REMOVE AND BLOCK THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-06-05
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Paypal Holdings, Inc (MI)

Paypal paid my purchase with credit, not as usual with direct deduction from my bank. I called immediately and was told that there was nothing that could be done until I received my bill. I was charged {$4.00} for a {$15.00} purchase.
Consumer complaint received 2016-11-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (OK)

My husband and I had a property investment loan with Ditech. The loan was refinanced in XXXX 2016 and as soon as it was paid off, Ditech starting reporting the XXXX payment over 30 days late to the credit bureaus. They put the burden on me to send in XXXX of our credit reports and proof of the bank wire that was sent on XXXX XXXX, 2016. About 3 weeks later, they took off that late pay BUT then 14 days later put it back on. I called and they said it was the XXXX payment that was late. I had to send them proof again of my check dated XXXX/XXXX/16 and proof it cleared my bank on XXXX/XXXX/16. Then they determined they did not apply the payment to the loan. I first started contacting Ditech about this XXXX, it is now XXXX and despite hours of research, multiple letters and faxes and at least XXXX calls, they are still reporting inaccurate information to the the credit bureaus and we have no control over this! I have asked for over 2 weeks at least for a letter stating the XXXX report is inaccurate so I can use that to complete other business and XXXX supervisors have told me I would get XXXX that day and it 's been over 2 weeks. Not one supervisor delivered a letter or even called me back. My husband and I are self employed property investors and our credit score is CRUCIAL to our daily business. This inaccurate information has caused our scores to crop XXXX an d XXXX points respectively and we can not get the loans that we need to for other homes until this is resolved. Also, this has caused numerous pulls to our credit to see if it 's fixed, further reducing our credit scores. In the 2 month timeframe during this, we had several property insurance renewals come up and they were increased because they are based on credit scores. We are even receiving notifications of interest increase on credit cards due to the false late report to the credit bureau. This MUST be addressed. This is hurting consumers. I 'm a professional at monitoring my credit etc because of our business and I ca n't get this resolved. I ca n't even imagine a regular consumer dealing with this sort of situation.
Consumer complaint received 2015-05-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NJ)

I hired an attorney to handle settling a mortgage with Green Tree Servicing. The mortgage in question was never recorded, has not created a lien for the property and is an unsecured debt. There is also a recorded XXXX Bank mortgage on the property that is currently in foreclosure. This mortgage secures an outstanding note in the amount of approximately {$190000.00}. Although the XXXX Mortgage secures {$190000.00}, the property is not worth any more than {$120000.00}. I therefore made attempts to settle the Green Tree mortgage. However, not only has Green Tree Servicing denied any and all of my multiple attempts to settle this matter, but they now ignore all communications from my attorney. All I want is to smoothly settle this otherwise worthless mortgage so I can move on with modifying the XXXX mortgage and get on with my life.
Consumer complaint received 2016-11-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: ECMC GROUP, INC. (MD)

I had a XXXX XXXX loan that went into collections. The account has been transferred several times and each company charges me a default fee. 
The principle balance has been paid but I still owe {$8000.00}. This balance is almost entirely these bogus fees. I complained to the new company that charged me a default fee as soon as they sent me a bill and they stated that my loan docs allow for this fee. The new company did n't even give me the opportunity to make XXXX payment before they charged me for default. I looked at the original documents. They do say that I may be charged a default fee, but not by every company that touches the account. The loan docs do not state how much the default fee is or how frequently it will occur. I do not think this is a fair practice. I should be done with this and instead I am stuck making payments on made up debt.
Consumer complaint received 2016-11-23
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

XXXX : Requesting an accurate Payoff amount for XXXX XXXX CA XXXX from Ditech Financial. 
Ditech Account # XXXX XXXX. The loan was sold to Ditech Financial by XXXX and title transferred on XX/XX/2016 DItech is claiming I did not make payments after XX/XX/2016, and I did make all payments until XX/XX/2016. I proved this to them by providing bank statements showing an automatic withdrawal or a debit card transaction that took place each month. Because of this, they will not accept my mortgage payments since XX/XX/2016 and have sent several letters stating I am in default and am pending foreclosure. I can not get acknowledgement from the supervisor I spoke to that they received the bank statements that prooved the payments were made and that the matter is cleared up. The only info I have on him is this : XXXX the number is : XXXX ( this goes to an operator, not directly to XXXX ) The account number is : XXXX Ditech Financial LLC XXXX. XXXX, SD XXXX. I have an accepted offer for the sale of my home. I am trying to get the payoff amount from Ditech. Every page of the Ditech website has a different amount, as well as every document they send me via mail. ( See attached files. ) 3. Once a payoff is provided by Ditech, I need reassurance that the loan will be cleared, and that this would not effect either the buyer or myself in the future. 
Please see attached files. 
1. payoff quote from Ditech XXXX 2. XX/XX/2016 mortgage statement from DItech ( the most recent I can get off the website ) 3. Recent letter received from Ditech regarding mortgage status. 
4. XXXX Account status as of XX/XX/2016 5. Loan History from XXXX 's website XX/XX/2016 Additional information : you may refer to the previous case I had opened with XXXX, for XXXX years I worked with them over a clerical error they made where they withdrew funds from my account and considered me in default because of their error. This was finally resolved as of XX/XX/2016 and payments were made according to the resolution agreement, yet when the loan was sold to Ditech, Ditech did not get all the information. This has been over 3 years of incredible time consuming work that was forced upon me and I decided to sell the home so I could be done with all this situation, however, how I need a payoff and am getting different amounts from each source at Ditech. I would like them to honor the payoff amount on their website, however, I do not want them to come back later stating it was not paid. 

Sincerely, XXXX XXXX XXXX