davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-27
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A. (TX)

New mortgage in 2015, with fixed rate of XXXX. Mortgage payment has gone up over {$300.00} since the origination of the loan, becoming harder to make payments. We have decreased insurance to help lower payments but they keep raising payments.
Consumer complaint received 2017-03-27
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (FL)

About a month ago, we changed bank accounts from XXXX XXXX XXXX to XXXX ( we are both military veterans and felt that XXXX would provide us better service than we had been receiving from XXXX ). Within a day or two of switching our account, we went to all of our creditors and updated our payments for autopays that had originally been through XXXX and now would be through XXXX. This included paypal as we have quite a few autopays that go through this payment option such as our tv streaming subscriptions. XXXX had been informing us that some of our payments were being returned and we were ending up with return fees of {$35.00} a piece. We informed paypal about this and stated our payment option had been updated to distribute payments from our new default account - XXXX debit card. We removed our previous debit card via XXXX, however, paypal would not let us remove the XXXX checking account #. We did n't think this was too much of an issue as we had made our default payment option as our new debit card. We found it strange that it would not let us delete the previous bank account though. We had emailed paypal about this concern, but we have not had a reply at all. Additionally, we wanted to escalate this as paypal did this previously to us about a year ago when we had switched from XXXX to XXXX bank. They had apologized and deleted it for us over the phone, however, the damage had been done even though we had done what was needed to update our paypal account. 
We refuse to make payments to cover up a situation that could have been avoided had paypal not kept our old account in ( even though there had been multiple attempts to delete it and we had made our default payment option via our new debit card ). Based on our previous experience with XXXX, it appears that this is a common situation, however, I am not sure what paypal would have to gain from not updating an individual 's banking info. Strangely, some of these withdrawals are coming out of our closed account while others are coming out of the debit card we made default. It is odd how payments are not all coming from the same place. 
Either way, we feel our follow up and desire to remedy the situation has been thorough, especially having to go through this same situation a little over a year ago. Paypal needs to change their way of documenting payment options as we do not seem to be the only individuals suffering from this. 
I 'd like to ensure that paypal cover any return payment fees from XXXX and also write a letter to XXXX stating that it was because of their inability to update our account to our current payment option, this occurred. In the meantime, it looks like we have carelessly allowed this to go through XXXX when that is the last thing we would have wanted. 
We thank you in advance for any assistance you can provide to us. 
Respectfully yours, XXXX XXXX XXXX ( main account holder under XXXXXXXXXXXX ) XXXX XXXX XXXX XXXX XXXX spouse )
Consumer complaint received 2016-12-07
Product: Credit card — 
Issue: Transaction issue — 
Company: Paypal Holdings, Inc (IA)

I was contacted by an unsolicited telemarketing phone call from a company called XXXX that promised me a very profitable at home online business. I paid them {$1600.00} and they said I was going to make between {$2000.00} - {$3000.00} a month. It seemed very good to turn it down that opportunity. They said they would train me on how to put products for sale on Ebay. They would help me to find drop shippers so I could sell, all they have done was send me some videos to watch. I had no 1 on 1 training like they said was ever done. I could barely get in touch with anyone from XXXX on the phone. Very little contact. And when I asked for my refund they stopped answering my calls. I did not make any profit out of this mess. I could n't find products to list on Ebay to make a profit. They did not provide the services that I purchased.
Consumer complaint received 2015-08-13
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK (CA)

As a XXXX, past XXXX years had been extremely difficult for me. I started having issues on payments, and most of my credit debts were sent to collections. And recent years I have been trying to recover from this financial crisis. And that 's how I started making payments on my Discover card debts. Initially I 've contacted XXXX in XX/XX/XXXX to resolve issues on my debt, and my understanding was we have settled the debt by making consecutive payments of {$300.00} per month for a year. So I 've been receiving documents stating {$300.00} was being applied to the settlement balance until XXXX of XX/XX/XXXX Since then I was n't receiving any documents, it led me to think my payments had ended and account was finally settled. But beginning of this month, I ran a credit report and surprisingly found this account is still bad and even had a judgement on it. And when I spoke to XXXX XXXX at XXXX who represented the Discover Bank, I found out for the first time, I had to call them to re-authorize them to debit from my account when I stopped receiving the letter from them. And I found out after making more than {$3400.00} in payments, I still owe {$4500.00} when the original debt amount was {$5300.00}. I 've tried to seek a solution with XXXX, but they were telling me it was my responsibility to call and re-authorize them to debit from my account and continue making the payments. Despite of my lack of knowledge on how to settle any type of debt, I 've tried my best to resolve this matter and made prompt payments by automatic withdrawal. It is hard to believe, I still owe so much in interest when I 've already initiated the payments in XX/XX/XXXX and made {$3400.00} in automatic withdrawal. It is my sincere apology that I could n't repay the debt on time due to my financial difficulties, and I truly want to resolve this matter ASAP. I 'm an ordinary US citizen who did n't have any professional knowledge on how this debt repayment/settlement works ; please help me find a reasonable solution to this matter. As XXXX XXXX XXXX is not willing to help me in any way, I did n't have any contact to seek help. Could you please help me? 
Please let me know if you need any other information. 
Thank you very much for your help. 
Sincerely,
Consumer complaint received 2016-10-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Rent Recovery Solutions (TX)

This debt was reported by XXXX in XXXX in which I lived there as a student XX/XX/XXXX. XXXX has never notified me of any debt whatsoever in any way they have never attempted to contact me. Rent Recovery Solutions has never contacted me in any way I had no idea I had any account in collections yet after failing to make any type of contact they reported it to my credit which negatively affected my score by XXXX points and I have no representative of the company to talk to about this and have no information on this debt at all
Consumer complaint received 2015-10-20
Product: Credit card — 
Issue: Other fee — 
Company: DISCOVER BANK (CA)

I am writing you to lodge a formal complaint about fees that were charged to my account. The XXXX charges in the amount of {$35.00} dollarsI am writing you to lodge a formal complaint about fees that were recently charged to my account. on XX/XX/XXXX for {$35.00} XX/XX/XXXX for {$35.00} XX/XX/XXXX for {$35.00} XX/XX/XXXX for {$35.00} XX/XX/XXXX for {$35.00} XX/XX/XXXX for {$35.00} for a total of {$200.00}
Consumer complaint received 2016-01-25
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AmeriCollect (WI)

My wife answered a call on XXXX/XXXX/16 from XXXX, at XXXX. Searching on-line the number belongs to They want my date of birth regarding a debt. My only debt is my mortgage, which is current, so the is no reason a debt collector should be contacting me. My wife refused to provide my date of birth and told the person that this same type of calling occurred last month. In that case they stopped calling after the fourth time. She received a 2nd call at XXXX from the same number for the same thing.
Consumer complaint received 2016-11-19
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION (NC)

I had banked at BB & T for years. Recently for the past 2 years I have been ripped off multiple times by this bank. I had XXXX checking accounts. XXXX with my debit and XXXX that was strictly for paying my bills. I calculated my bills rounded the amount to the next dollar amount and transferred the funds. My account was exact and was perfectly balanced at ALL times. Until XXXX and a charge BB & T could not explain to me occurred. Causing a avalanche of XXXX charges. The banker I was accustomed to dealing with apologized that other workers at the bank could n't play fair? I got no refunds back leaving my accounts both in the negative. Prior to this most recent XXXX from BB & T I would make a online payment for lights, car etc and the money would be in the account, but instead of crediting the funds to my account XXXX they did the debits and payments causing the XXXX fee. I would say that in the past 4 years I have paid over XXXX in fees to BB & T. I was also told by # XXXX banker after going into the local branch to discuss XXXX of the above occurrences " Sorry you got caught in ITS cross heirs! '' Needless to say I changed bankers and have now changed banks. I feel that practices by BB & T are fraudulent and unjust. It also seems it has happened to ALOT of others as well.
Consumer complaint received 2017-01-17
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BB&T CORPORATION (VA)

We went to BB & T bank to get a pre-qualification letter for a XXXX home or investment property. we wanted to use them because we already have XXXX loans with them and have been customers of theirs for years. We gave the mortgage professional there all information she asked for and we were pre-approved. we took our letter and stated looking. We soon found a rental property ( duplex ) and made an offer well in our budget. the offer was accepted and we called XXXX to get everything going on this property. We had to get them a few more documents but all was going well. She said she even wanted to do a fast close since everything was in order which was fine for us, the duplex already had tenants in place, so it was all ready to go. We were putting money in our pocket after making our mortgage payment, a win win situation. Well a week before closing, which was scheduled for XX/XX/XXXX, we started this a few days before XX/XX/XXXX, BB & T called, and said we could not get the house. they determined that they were going to need XX/XX/XXXX tax returns!!! That will take months!! They did n't think of this before we started this whole process?? We had already paid for inspection and radon tests {$440.00}, appraisal fee {$530.00}, and who knows what could come from the title company because they were done with their work as well. Our realtor was boggled to say the least as well as us, we were very irritated with BB & T foe letting us get this far!! Now the Mortgage professional says we can not get any of that Money back. All she said was sorry. She also did n't even know it was a rental ( duplex until I told her a few weeks into all this. She had all the info on the property from our realtor. What was she doing!! Please help.
Consumer complaint received 2016-04-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION (FL)

Please see attached documentation. BB & T claims to have received an incomplete Loss mitigation package on XXXX/XXXX/15. I have a fax confirmation that it was received XXXX/XXXX/15 and sent through mail and received XXXX/XXXX/15. I have a copy of the faxed / mailed and it was not incomplete nor received on XXXX/XXXX/15. Furthermore, BB & T stated this should be judiciated outside of Civil Circuit court since it was a " Federal Issue, '' did not wait for the court to rule on any of the objections / motions and proceeded without adherence to Federal law. BB & T had been notified on separate occasions that I, the Plaintiff, notified BB & T that there was already a Loss Mitigation in process with XXXX. After our last hearing, the opposing counsel said they would email me that day to come to a resolution and was never heard from again, despite my many attempts to reach his manager. BB & T was dishonest with the court and CFPB responses and ignored that I had a loss mitigation in progress with a HUD approved counseling center.
Consumer complaint received 2020-04-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

It was recently announced on the news that all students who attended the now-defunct for-profit XXXX XXXX school should have their loans completely forgiven. But Navient keeps insisting that I continue to make payments despite this announcement by the U.S. regulatory settlement. 

My name is XXXX XXXX and I am a victim of the predatory loans acquired from attending the deceptive school XXXX XXXX. Please contact me at XXXX and email : XXXX, to help me settle this matter.
Consumer complaint received 2016-02-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

There are XXXX XXXX Mortgage accounts listed on my credit file that have not had a payment in 7 years, they have been re aged which violates my rights. There has been no investigation completed. If there was the evidence would reflect XXXX is past the statute and these XXXX items would be removed. They XXXX accounts are XXXX # XXXX and XXXX # XXXX
Consumer complaint received 2016-09-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (CA)

Equifax responded to my complaint regarding XXXX XXXX on my Credit Report. I never applied for anything, verbally or in writing. All I wanted to know was how much XXXX charged for services per month. I never applied for a service. They lie and say I applied. I never did. They told me I could n't know prices unless I signed paperwork. Liars.
Consumer complaint received 2016-08-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (AR)

There are negative items listed on my credit report that are false. I do not owe these companies ( XXXX/XXXX, XXXX XXXX XXXX XXXX ) any money. I want the negative items removed immediately. I have disputed this information with Equifax several times, and they have not removed the false information. They also would not let place a statement on my credit report refuting these lies. Why are credit reporting agencies allowed to lie, and I have no recourse against them?
Consumer complaint received 2017-02-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NJ)

I 'm complaining against Equifax because of the following reason. Please see the docs that I 've attached which substantiate my claims : Equifax is reporting judgements against an XXXX on my personal credit file. 
" A business lien against the assets of an XXXX is recorded against the business credit report of the XXXX, not against the personal credit report of individual members. Ideally, the creditor should have no access to the Social Security numbers of members, and should use the EIN of the XXXX only for credit reporting purposes. If a business lien shows up on a member 's personal credit report, he has the right to request its removal. The asset and debt belong to the XXXX under established law, not the individual members. '' Equifax is reporting dates that do not exist such as XXXX Equifax is reporting balances when I 've provided proof that the balances should be {$0.00} Equifax has court names that do not exist such as " XXXX XXXX '' Equifax is the only credit bureau that has not removed these unlawful items from my credit report after disputing with them for 2 months straight.
Consumer complaint received 2015-09-22
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC. (MO)

I applied for a credit card with XXXX, XXXX XXXX XXXX, and XXXX all on the same day. I received the adverse letters and my credit scores are reporting differently with all XXXX companies. XXXX stated Equifax Credit score is a XXXX. XXXX XXXX stated Equifax Credit score is XXXX. XXXX stated my Equifax score is a XXXX. Why does the same credit reporting agency report XXXX different scores when all three credit cards were applied for on the same day?
Consumer complaint received 2015-08-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (GA)

XXXX XXXX has me living at an address XXXX XXXX XXXX XXXX, Ga. XXXX XXXX XXXX XXXX i have never lived there and they are messing up my credit because who ever lived there they seem to have my name down. I can prove i have never lived there yet they wont fix this issue. Please inform me as to what i need to do to fix this matter. All i have are my tax return stating my address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX at the same year they state i lived there.
Consumer complaint received 2017-02-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IA)

I HAVE SUBMITTED SEVERAL DISPUTES TO EQUIFAX REGARDING ACCOUNTS THAT ARE NOT MINE AND REQUESTING THAT THEY PROVIDE ME WITH PHYSICAL PROOF THAT THE ACCOUNTS BELONG TO ME AND THEY HAVE FAILED TO DO SO SEVERAL TIMES AND THEREFORE I AM INTENDING TO SUE EQUIFAX FOR VIOLATION OF THE FAIR CREDIT REPORTING ACT AND PROVIDING ME WITH PHYSICAL PROOF THE ACCOUNTS ON MY CREDIT REPORT BELONG TO ME. THIS IS MY LAST AND FINAL ATTEMPT BEFORE I SUE EQUIFAX.
Consumer complaint received 2016-06-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MO)

Equifax has listed a lien in my credit report- The IRS filled a lien in 2009 tax year but the lien was filled incorrectly - The IRS made a mistake. This lien as stay in my credit report for the last 6 years - It has affected my ability to get credit - I have been denied credit from XXXX due to this errors - - Please see documentation attached.
Consumer complaint received 2016-10-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC (PA)

Quicken Loans seriously XXXX my escrow account. My mortgage payment was lowered from {$630.00} to {$610.00} XX/XX/XXXX and was given a check for {$1300.00} in overage from my account. i received the new analysis today and i am $ -XXXX short in my escrow and they want to raise my payment to {$840.00} to cover their mistake.
Consumer complaint received 2015-11-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Focus Holding Company (IL)

Apparently, the company has flagged my account for a collection for an amount of {$18.00}. I have no idea who they are or who I might owe this amount to, because I have not been contacted by anyone about this, as far as I can recall. I contacted the company and left a voicemail with my name and phone number in case they decide to contact me directly.
Consumer complaint received 2015-07-26
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Johnson Mark LLC (UT)

I received a letter from my Bank today XXXX/XXXX/15 that Johnson Mark LLC of XXXX Ut. is requesting my XXXX Bank records. I have never received any contact from them via ph/email or post. The letter from my bank states I need to obtain professional assistance to stop my Banking info being supplied on XXXX/XXXX/15 to this Johnson Mark LLC which I found out is a collection agency. As stated earlier I 've never received any notice or contact from these people before. 
I need to stop them from obtaining my Bank accts.
Consumer complaint received 2023-02-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (AZ)

I deposited a {$500.00} check on XX/XX/XXXX wells fargo credit my acct and w/held {$100.00} until the check cleared the next day, the next day bank told me it cleared but didn't credit acct {$100.00}. Monday went into branch and the did not want to discuss my statement not reflecting the true amt of {$400.00} it shows a {$500.00} amt. The XXXX became irate and asked me to leave there are other customers in line. XXXX XX/XX/XXXX my ssdi check was credited 1 week early I filed a dispute on XX/XX/XXXX. On XX/XX/XXXX got notice the check was returned unpaid. Bank charged mY acct {$500.00}. On XX/XX/XXXX Bank credit acct {$400.00}, the same day debited acct {$500.00}. The returned check was a substitute check. I went into branch to close my acct on XX/XX/XXXX the lady told me they would put acct in transition until everything was cleared up no transactions would be allowed like direct deposits or checks..on XX/XX/XXXX my ssdi check was deposited 1 week early and charged {$1400.00}. They kept money that was not owed. I already called to redirect my ssdi check. It was supposed to be redirected to a new acct at different Bank. My IRS bill, electric gas and water didn't get paid due to the bank actions.
Consumer complaint received 2017-01-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (PA)

I have a business checking account with PNC Bank. Without my permission or explicit request, PNC added a service called 'Cash Flow Insight ' to my account and charged me {$10.00} per month for this unwanted service. I did contact the bank and request a refund for the service and requested the service to be cancelled. They did both. However, I feel it is important that banks can not add services with corresponding charges to customer 's account without appropriate notification. Using an 'Opt Out ' approach should NEVER be used. Rather, requiring 'Opt In ' for any services that carry service charges should be the requirement.