davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (MA)

I applied for a JetBlue Plus card on XXXX XXXX due to an advertised bonus. On JetBlue website while purchasing flight tickets they advertised XXXX bonus points with a new jetblue card. There was a {$99.00} annual fee and I have never had an annual fee card so myself and my husband called the customer service number to confirm prior to applying. The rep confirmed the terms of the promo were that as long as you paid the {$99.00} fee and charged over {$1000.00} in the first 60 days you would get XXXX bonus points. I clicked the linked and applied for the card and received instant approval. I also took a screen shot of the advertisment and copied the " fine print '' to save for my records. 
I then fulfilled both requirements and contacted Barclays ( the lender of the JetBlue card ) to see if I needed to do anything else. They stated it would automatically be credited after 60 days. 
I noticed I only received XXXX points and immediately contacted them and they then claim that was bonus offer I applied for. I have repeatedly provided all of the documents proving that is incorrect. In fact the promo was widely advertised, even on the flight I took in may, and was still advertised during the period I was disputing and contacting Barclays. I also have several family members that have the same experience ( we were on a family trip so all applied ). Barclays has been unwilling to resolve this issue however I am confident that I took all the steps required. There was NO bonus offer for XXXX points advertised when I applied-I would not have applied. I have great credit and did not need the card the only reason I was willing to pay {$99.00} for the card was because it would be beneficial with the XXXX points which is why I ensured I was understanding the requirements. Please help resolve.
Consumer complaint received 2020-04-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (LA)

- Collection agency I.C System, Inc XXXX XXXX XXXX XXXX XXXX MN XXXX, Phone XXXX sent a letter regarding a debt I did not owe. 
- I immediately sent I.C System, Inc a US Postal Certified letter stating I did not owe the debt and to only contact me by Certified mail, their claim is being disputed and to NOT report me to any agency until this is resolved. 
- I received 1 letter from I.C. System to which I immediately responded and received no other correspondence. 
ILLIGAL Practices : - I.C. System reported me to the credit bureaus for 3 consecutive months. The original letter to which I responded ( I have copies of the Certified Receipt ). Plus 2 consecutive months past the original letter. 
- I.C. Systems misrepresented the information to the bureaus on dates of last payment. 
Thank you
Consumer complaint received 2016-06-02
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: R.A.Rogers, Inc. (MD)

I have asked RA Rogers Inc to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2021-04-21
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. (MS)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX/XXXX XXXX ... XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2017-02-12
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (PA)

I received a payment in the form of a gift via PayPal. Shortly after, PayPal limited my account, without an option to appeal, without notice or reasoning. With that being said, my payment or {$1000.00} is now being held, for 180 days, which is an extreme abuse of power and policy. I did nothing to violate there terms.
Consumer complaint received 2016-01-19
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (WA)

I was unknowingly signed up for a paypal line of credit in 2005. Paypal was apparently sending invoices to an inactive email address. After I was unknowingly signed up, I was unknowingly caused to use this line of credit during XXXX purchases. I unknowingly accrued interest and late fees until such a time that Paypal sent me a written notice in the mail. When I received the notice in the mail, it was the first time I became aware of the account, the charges and the fees. This must have happened in an underhanded way because I have been a Paypal customer for years and made hundreds of purchases, and never have I authorized or chosen to use anything other than my own credit cards and bank account. I want to join in on the class action lawsuit against Paypal for this illegal action.
Consumer complaint received 2017-02-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (IL)

On XXXX XXXX, 2016, I XXXX XXXX, filed Chapter XXXX Bankruptcy which included my business XXXX. All of my creditors were notified about my filing, however some of them have chosen not to comply. One of which is Paypal and PayPal Working Capital. They have continuously taken money out of my account since XXXX XXXX, 2016 for a loan that was taken out in XXXX 2016, but was subsequently included in my Chapter XXXX. Their actions or inaction rather is egregious and I would like a stop put to it! Furthermore, the money that they have taken out of my account has further created a snowball effect, in regards to my business checking account at XXXX ( refer to previous complaint regarding XXXX ). If Paypal would have stopped deducting funds out of my account in XXXX, part of the issues that I am having with BMO would not even exist!!! PayPal has caused me to have a {$1000.00} negative balance at XXXX, as a result of backup funding!!! I tried to turn off the backup funding, but was denied because they said that the could not stop back up funding while a transfer was in place, which seemingly has been for the last three months straight!!!!
Consumer complaint received 2017-02-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: STATE FARM BANK, FSB (SC)

XXXX 2016 a deferment of my XXXX 2016 payment was requested. State Farm failed to meet their end of the obligation and get the paperwork to my residence informing me of my interest due and any other required documents. Even though numerous attempts at multiple levels of the company have been made to rectify this issue, they continue to apply each payment to the month prior and mark it as a delinquent payment. This circumstance is beyond unfortunate and borders on a thorough violation of ethical standards for a corporation involving treatment of loan holders.
Consumer complaint received 2016-12-15
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/2016 I purchased an item on eBay Item Number : XXXX ( a Rolex watch ) and paid for the transaction with my Credit Card from XXXX Bank the amount of {$2600.00}, when I finalized the transaction I noticed that the seller did not contact me, I did not receive any confirmation number or tracking number for the delivery of the object, some minutes later I noticed that the seller was cancelled from eBay and I received an email were they notified me that they removed the item from eBay and acknowledging that I already paid for the item. On XX/XX/2016 I opened a Claim with eBay and a representative called me and told me that the Post was an scam, they apologized and that the money will be credit to my account because I was protected by eBay money back guarantee. I called my Credit Card and notified of the fraudulent transaction. In fact, the money was returned to my Credit Card by PayPal at that time on XX/XX/2016. 
On XX/XX/2016 when checking my XXXX Card statements, I noticed that the amount of this fraudulent transaction was reverse to the PayPal Account " XXXX '' account of the Criminal who run the Scam on eBay, so I contacted my Credit Card and XXXX dispute representative told me that because the transaction was authorized by me they have to paid to PayPal and advise me to open a claim with PayPal who ask for the money back because as a Credit Card they only intervene if I was victim of Fraud Identity. When I contacted PayPal they told me that I can not open a Claim because my Credit Card had a dispute with them and it took a way my right to dispute, despite I talked numerous time with PayPal and explained that I was n't aware of the dispute and I was not heard as a victim of the fraudulent transaction, even when the money they are holding from me is a result of a Fraud, that I never received the object, is not tracking number and delivery confirmation they do n't want to open a Claim and they do n't want return the money to my account. 
I 'm filling this Complaint against PayPal because they took money from an illicit transaction, originating in a fraudulent posting, they know that the seller committed a crime, they know that I never received the purchased item, they do n't want to return the money to me, they even do n't want to open a Claim and PayPal as a financial institution is abusing and defrauding me that acted in good faith.
Consumer complaint received 2017-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

To whom i t may c oncern, I submitted an online dispute with Experian concerning inaccurate information on my credit report on my  XXXX   XXXX   XXXX  account for late payment. They originally responded back stating the information was verified. I called Experian stating I have receipts and for them to update the incorrect information and they requested I upload the documentation. After I upload the documentation, they replied back stating they reviewed the documentation can not use to make changes. I plan to purchase a home this year and having this inaccurate information on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Consumer complaint received 2017-03-07
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (CA)

On XXXX XXXX, XXXX my son purchased a Hyundai XXXX and I co-signed. The Retail Installment Sale Contract - Simple Finance Charge was signed by both myself and my son. Per the contract there were 59 payments at {$360.00} beginning XXXX XXXX, XXXX with a final payment of {$360.00} due on XXXX XXXX, XXXX for a total of 60 payments. The payment detail on the Hyundai Finance monthly statement dated XXXX XXXX, XXXX shows a regular payment amount of {$360.00} and a total amount due of {$370.00} for payment # 60. The payoff summary on the statement shows a payoff amount of {$370.00} good through XXXX XXXX, XXXX. While the differences in these amounts for the final payment are small, my concerns are two-fold. First, the payoff amount and the final payment per the statement on XXXX XXXX, XXXX should be the same since payments would have been based on an amortization schedule. There should not be interest charged beyond what is included in the final payment due. Second, is there a systemic problem across all Hyundai Finance loans that adds interest to the payoff amount that is based on the date the final payment is due and higher total interest payable than the amount shown on the executed Retail Installment Sale Contract?
Consumer complaint received 2016-08-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: GREAT LAKES (NY)

My current lender, Great Lakes, told me that the loans I 've had for almost 20 years ca n't be considered for REPAYE status. I kept getting bounced back and forth between Great Lakes and StudentLoan.gov without getting anything resolved. Great Lakes says I can sign up for REPAYE but the clock will be XXXX and only by XX/XX/XXXX will I qualify for REPAYE! Really?? I 've been paying on these loans since XX/XX/XXXX!
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES (OH)

I XXXX from college with a XXXX in XXXX XXXX. I then went to XXXX. When I was accepted into XXXX I was also trying to get financial aid to help pay for the XXXX. They accepted y request for aid under the circumstance that i paid off my Perkins loan. They would NOT release my money for the XXXX until it was paid, I then paid the load in full, they released my money almost when I was about to XXXX the XXXX. 
Two years later I received a notice from the attorney general saying that my Perkins loan was never paid. I called the school and they said that it was paid and then re opened for some reason. I have been dealing with this for YEARS now and every year they take money from my income tax. I have been fighting this for quite some time now and my credit is hurting because it shows on there that i have a default loan in the Attorney Generals office.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES (NY)

I used the auto-pay system to pay my loans and the servicer promised a .5 % reduction in interest. In XXXX, I changed my repayment plan to fixed in an effort to reduce interest payments and increase premium payments. I set the payment amount above the required payment as well. Great Lakes did not make the XXXX payment despite confirmation. They then reduced the auto-pay amount. As a result, the XXXX and XXXX payments have gone to interest only. They are also charging me at a rate of 7.8 % interest despite my contracted rate of 6.75 % which should be 6.25 % due to the auto-pay arrangement. This is the second time that Great Lakes has readjusted the auto-pay amount despite my efforts to set payments on line, by phone and by email. I feel their effort is to increase payments to interest and refuse to credit to premium.
Consumer complaint received 2021-04-21
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. (NY)

I have contacted XXXX by phone, and by mail, and even fax regarding fraudulent account that appear on my credit file. I have disputed this account as fraud and opened as a result of identity theft, I have also uploaded, faxed and mailed certified a copy of my very recent credit report to XXXX and bank have ignored my fraud disputes, bank have neglected to utilize my recent credit report to block this fraudulent account from my credit file. I have exhausted all avenues available to me and followed the FDCPA guidelines to rectify these fraudulent accounts but I have continued to be ignored by the bank. The following account is not mine and is on my credit file as a result of identity theft/fraud that I reported to the local police department : XXXX XXXX XXXX ( Police report filed on XX/XX/2020 ) This is not my account and I have also communicated this same information and provided my police report to this business listed above, and it have refused to assist in the correction of the fraudulent information. It is all acting in a willful and malicious manner and continuing to defame my character by knowingly reporting information it has been fully informed was fraud.
Consumer complaint received 2016-07-26
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (PA)

Paying extremely high PMI for 11 years on my mortgage loan. I questioned the amount and have not been provided with any response as of XXXX/XXXX/XXXX. Also, Escrow amount seems excessive since XX/XX/XXXX and I am unable to reconcile what the increase is attributed to at this time.
Consumer complaint received 2016-06-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

I am set-up with Ditech with their automatic biweekly payment option offered through their website, and all payments are current, have been timely made in total monthly amounts that exceed my static mortgage payment obligation that does not change as I do not impound and have a fixed interest rate. I can provide documentation upon request of my recent statements and payment history. Despite their own payment history showing me as current, Ditech has issued me a billing statement on XXXX/XXXX/2016 indicating erroneous past due amount and a {$83.00} charge for " late fee. '' When I called their customer service number, at XXXX and spoke with representative " XXXX '' in South Dakota, I was told that many people are having this problem as a result of a new computer billing software Ditech just started using that is not properly accounting for payments and is charging late fees even though payments are current. She confirmed that my account is current and has not ever been delinquent and that she would remove the erroneous late fee. Although I was informed they would rectify their error today by crediting the erroneous late charge, I was told that this may continue to happen again next month, but just to call back again next if/when their computer software charges an erroneous late charge, if I want to be credited for future erroneous late charges as a result of their flawed new computer software. I inquired as to what Ditech intends to do about erroneous late charges billed to other customers due to their " new software issue '' that do not complain / call to request credits and was led to believe that Ditech did not have any plans to take any pro-active action to rectify the situation and properly credit accounts that are current. Nor, was any time frame provided as to when their new computer software issue would be fixed so as to not charge erroneous late fees. I was not satisfied with this response, or the lack of operational control concerning non-functioning new billing/payment software. Furthermore, the representative asserted to me that this was " not Ditech 's fault '' that their new payment/billing software program does not function properly, which I found quite preposterous and unacceptable in light of Ditech 's responsibilities as servicer of the mortgage. I am respectfully requesting the CFPB investigate these troubling issues concerning Ditech 's business practices concerning erroneous late fees being billed to non-late borrowers and not being pro-actively reversed as a result of their " new billing software '' issues. Thank you in advance for your time and service.
Consumer complaint received 2016-03-21
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC (MA)

I was refinancing with XXXX and the loan company I have Ditech has incorrectly filed to XXXX XXXX that I was late on 3 payments. I have my bank statements showing that I am not late and I was charged for my XXXX 2015 twice when I paid XXXX the prior mortgage company XX/XX/XXXX but Ditech states that I did n't although they see I made the payments they are saying to pay XX/XX/XXXX. I have a print out from XXXX that I do not owe XX/XX/XXXX. So because I made additional mortgage payments I should n't be late and they either owe me money or change the payments to show I am a month in advance.
Consumer complaint received 2017-03-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (IL)

Ditech Financial LLC who is my mortgage lender was mistakenly paying property taxes to a different parcel number or property with my escrow account for the year of XX/XX/XXXX, this led to having delinquent taxes on my property, placing my property under tax lien. Because property taxes were n't getting to my property, it also caused an escrow shortage on my account. although the delinquent taxes has been settled recently after going back and forth with Ditech for couple of months and dealing with bad customer service, the escrow shortage is still in effect which made my new monthly payment increased tremendously. 

The delinquent taxes has been settled last XX/XX/XXXX, on that same day I did a follow up call to make sure that they will run a new escrow analysis on my account so that my new monthly payment will be re-adjusted. 

I did another follow up call last XX/XX/XXXX a month after the settlement to ask why my new monthly payment still indicates a higher amount and was not re-adjusted. I learned that no escrow analysis was initiated after the settlement. 

Now Ditech is requiring me to pay the new monthly payment which is very high compared to my current monthly payment, the Ditech representative noted that they can not rebalance my new monthly payment until they receive the tax refund. 

This has caused me a lot of stress and loss of time dealing with Ditech back and forth in an ERROR that was not even from my part.
Consumer complaint received 2017-01-25
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (VA)

This company keeps sending statements and request for payment to an address that I have never lived at nor do I have an business with. They are doing this in spite of notification and a formal complaint in 2015. This causes embarrassment and makes my personal information available to any person that gets the mail at this address. Ditech has been notified and the consumer credit reporting agencies have been notified in writing that this address is a public building and has no association with me nor should my private information be sent to the address.