davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-09
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (TX)

I was sent money through paypal which I have used in the past and and I was sent money XXXX XXXX to my account the money is appearing on my account but has not been added to the money so that I can withdraw the money. I contacted them and informed them of the situation first I was told that it was a system update that was being done and it would be done in 24 hours. I went today XXXX XXXX and the problem is still listed on my account again I contact Paypal explain the situation and the urgency about getting the money then I am told that there is a bug in the system and they are working on resloving the problem I asked if there was any way the money could be credited since the money was already in the account and I was told no. This is frustrating and may just cost me my job because I had to pay for somethings related to my job I have a child to feed and bills to pay who will take care of that.
Consumer complaint received 2017-03-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (GA)

I am writing to cfpb to get help with my home I have a loan with ditech since 2001 who is a predatory lender. They will not work with me on loan. The original loan was XXXX in 2001 they have my payoff as XXXX, It is a manufactured home the county only value the property at XXXX. I think the contract is invalid did not do a lot of stuff promised to us in the contract. I do not want to lose my property. My parents gave me the land that the house is on. Please help me to keep my property I have been trying to get help for years. 
Thanks
Consumer complaint received 2019-10-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (MD)

On XX/XX/XXXX, I processed a transaction through PayPal. I only learned after the transaction that PayPal automated the wrong account ( an account that has not been used in several months and had since been closed ). Immediately, I processed the transaction with the current bank account ( resulting in a duplicative payment for the same thing ) and called paypal right away to state that they were not authorized to use my old, closed account as an automated preferred method of payment for the first transaction. My recent paypal transaction history is clear as to which account is supposed to be automated ( the current, open account ).

Within minutes of the first transaction being processed, I tried to have paypal cancel that transaction, which they refused. I had no choice but to file a dispute that same day, XX/XX/XXXX, which was later denied. Today, I went to pay a different merchant and I only learned in my email confirmation that they UNILATERALLY added the {$160.00} negative balance they credited against me for the wrongful transaction that they honored on XX/XX/XXXX, which results in paypal charging me in a completely unauthorized way. I want paypal to refund the {$160.00} for the transaction that they should have canceled on XX/XX/XXXX, as requested. 

The upload shows the dispute that I filed the same day the wrong transaction was processed since PayPal simply wouldn't cancel the payment. They denied my dispute, yet later charge me for it. Another upload shows what I saw when I paid a merchant ( at no time did it state that I would be paying for extra charges related to the previously disputed transaction ). I only learned of it via the attached email confirmation sent AFTER they charged me.
Consumer complaint received 2021-04-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TCF NATIONAL BANK (MN)

All correspondence is saved emails, vmail, and texts which can be uploaded when requested. 

XX/XX/2021, TCF rep offered competitive terms. I asked to lock rate. We discontinued working with two other home mortgage lenders whose terms were close, but not as good. 

XX/XX/2021, my wife and I signed rate lock form, and uploaded all supporting materials required. 
XX/XX/2021, TCF retroactively unchecked the rate lock box on the DocuSign document, lost supporting documents, and repeatedly asked us to resubmit, which we did. 
XX/XX/2021, TCF filed an exemption on our behalf to retrieve their prior terms. 
XX/XX/2021, TCF approved exemption, but at a higher rate with altered/worse terms. 
XX/XX/2021, we relented to the new agreement, signed the DocuSign to finalize loan approval, pending appraisal alone. 
XX/XX/2021, we resent appraisal billing information for approval because TCF lost it again. 
XX/XX/2021, I called and verbally submitted appraisal billing information again, because TCF lost it a third time. 
XX/XX/2021, payment ran. 
XX/XX/2021-XX/XX/2021, fraudulent transactions occurred on same card ( the card was never previously compromised ). 

XX/XX/2021, appraisal completed. 
XX/XX/2021, appraisal finalized and submitted. 
XX/XX/2021, we received appraisal, and it landed in excess of loan requirements. 

XX/XX/2021, XXXX, TCF rep emailed us a communication stating that underwriters have changed our agreement, and added after-the-fact requirements, asking for additional redundant documentation along with a hand-written, signed, and dated letter of need. 
XX/XX/2021, XXXX, we completed their new list of demands. 

XX/XX/2021, TCF  rep will not respond to call, email, text. 

To date, no explanation or apologies have been offered by any TCF representatives. No offer for the opportunity cost and time-cost damages have been offered or mentioned. No timelines or estimates on closing dates have been communicated. Obviously, we have no assurance that our sensitive information has been kept secure, no evidence that TCF honors their good faith contracts, and no clear communication whatsoever. The expiration date for the second rate lock DocuSign is approaching in about two weeks. 

What is our recourse?
Consumer complaint received 2021-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (CT)

Issue : I am a victim of credit card fraud but Chase has held me responsible for a fraudulent credit card charge, which is illegal according tot he Fair Credit Billing Act.

Timeline of events : Around XX/XX/2021, I received a text message from Chase on my mobile phone device indicating that suspicious activity had occurred with one of my credit cards. Chase asked me if I had authorized a purchase from XXXX XXXX and I indicated that I did NOT authorize those charges. When I logged into my online account, I saw a charge for {$1700.00} and some additional charges related to XXXX XXXXXXXX purchases. Chase was able to cancel the XXXX purchase which was only pending at the time. I called Chase to confirm with them verbally that I did not authorize those charges. Representatives at Chase said they would give a credit for the {$1700.00} charge and that I would not be responsible for it. They deactivated my credit card and sent me a new one in the mail. 

Around XX/XX/2021 over the weekend, I noticed that the charge for {$1700.00} was posted XX/XX/2021. I called Chase over the weekend but they said I had to call a different number and could not help and that service was available only during the weekday. When I called the first number given, I was given another number and another time that was more restrictive to call. When I called the fraud department on Tuesday XX/XX/2021, I spoke with Chase representatives about my issue. They reported that upon their investigation, the fraudulent charge was considered " authorized '' by me because apparently the ticket was purchased by someone using my name. I argued that this was a case of identity theft and fraud and whatever alerted them to suspect fraud was correct. 

Chase said they would be willing to reopen the investigation but that it could take time to resolve. I emailed them additional information and called XXXX XXXX for more information. When I called XXXX XXXX, they were able to confirm someone used my credit card and my name to purchase a business class ticket from XXXX to XXXX on XX/XX/2021. 

XXXX XXXX was not able to give further information upon my request and they suggested I reach out to the credit card company, Chase. 

I provided Chase with an email showing evidence that on the day when someone stole my identity and traveled from XXXX to XXXX, I was in fact in XXXX CT. I am able to provide evidence showing credit card purchases from XX/XX/XXXX at restaurants in XXXX. Additionally, I emailed them a XXXX XXXX XXXX  of my hourly whereabouts on XX/XX/2021 when someone stole my credit card and identity to travel from XXXX to XXXX. I clearly demonstrated that this was a fraudulent purchase that occurred on XX/XX/XXXX and identity theft on XX/XX/XXXX, as I was nowhere near the Airport. This evidence will also be attached to this complaint.
Consumer complaint received 2016-08-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

A letter of dispute was submitted to Experian on XXXX XXXX 2016 seeking the removal of XXXX from my credit report as it was paid off. I provided A letter of dispute was submitted to Experian in XXXX, 2016 seeking the removal of XXXX from my credit report as it was paid off. I provided Experian proof and copies that the account was paid in full. XXXX sold my collections account # XXXX, to XXXX. XXXX is still showing on my credit report with Experian. Both XXXX XXXX XXXX XXXX and XXXX are attempting to collect payment on the same debt. I have provided proof on two occasions and Experian fail to remove XXXX from my credit report. As a consumer disputing information on my file and providing the proof or evidence of the said account, Experian should remove this account from my credit file.
Consumer complaint received 2017-02-14
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (PA)

i have many inquiries on my credit file that i did not authorize. on my experian report there are XXXX reportings from XXXX- XX/XX/XXXX XXXX - XX/XX/XXXX i contacted XXXX and they confirmed that i did not make these inquiries - i 'm attaching the letter of confirmation in this complaint
Consumer complaint received 2016-10-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NY)

I have previously submitted a certified letter on XXXX XXXX 2016 and XXXX XXXX 2016 which was received and signed for requesting that a dispute be initiated for a XXXX XXXX XXXX account which is reporting inaccurate information on my Credit Report. After the dispute process this account was verified as " account belongs to you " XXXX XXXX Account # XXXX account is still reporting information which is inaccurate. 
1. XXXX Displays no account information prior to XXXX, however this account states open since XXXX. payment history is incomplete. 

2. Report does not List any XXXX delinquencies however account states charge off. The reporting of this account is inaccurate and incomplete. 
I continue to dispute the validity of this account I request that the account be deleted from my credit report. I also request a description of the procedure used to determine the accuracy and completeness of the information being reported. I request to be notified of the outcome of this correspondence? 
Thank you
Consumer complaint received 2015-09-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

Hi, I had opened a case and your emails were going to a junk folder. I absolutely still need your guidance and support. 

Experian has been unwilling to remove inaccurate reporting based on XXXX BK I filed in 2007. The courts changed the type of BK so it shows as XXXX when in fact it is only XXXX. I have provided them with all the proper documentation. 

Additionally, I continued to improve my cursory usage and have flawless payments yet they continue to slaughter my score lowering XXXX points lower at least once a month. 

PLEASE HELP. Best # XXXX. Best email XXXXXXXXXXXX
Consumer complaint received 2016-06-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MN)

Someone stole my personal identity and open up unauthorized and fraudulent accounts using my identity. I am a victim of identity theft. The following accounts are unauthorized and fraudulent : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX, U.S. Department of Education
Consumer complaint received 2015-07-07
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WA)

At the beginning of XXXX 2015 I signed up for a PayPal account. All I wanted was the ability to simply pay my friends directly from my bank account. That is it. Then about a XXXX ago I got some mail from them that looked like an agreement of some sort. I did n't really go through it thinking it was n't important. Then today I got an email from they saying I owed {$15.00}. So weird and unexpected. I logged into my account to discover a newly added payment option, PayPal credit. They had opened a credit line under my name for {$1000.00} with an APR of 19 % and apparently when I had gone to pay my cousin {$15.00} I owed her it charged it to this credit account even though as far as I am concerned I chose to pay her directly from my bank account. 
I am furious. I emailed the company and called them. The customer service rep said I " probably clicked on a button agreeing without realizing what I was doing ''. I have multiple credit cards and a very good credit line. I would NEVER agree to a credit account with PayPal. I do n't need it and I already do n't trust an online wallet like this. The only reason I even opened an account was because I owed my friend money and they encouraged me to try it out. HUGE MISTAKE! 
I told the customer service rep that I never agreed to a credit account and that they had illegally done so. I also asked to have my account closed immediately. I then went and reported them to all XXXX major credit bureaus as illegally checking my credit.
Consumer complaint received 2017-02-15
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CITIBANK, N.A. (MD)

The XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX reference # XXXX tried to collect a debt from me that was covered under my bankruptcy chapter XXXX case # XXXX
Consumer complaint received 2021-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

I have been in XXXX XXXX for 13 months building a retirement house. My Sears/Citibank MasterCard had significant fraudulent charges ( > {$7600.00} ) charged on it after it was never returned to me at a merchant. 

I reported it to Sears/Citibank promptly as fraud and was told the card account would be closed ( when the amount was less than {$1000.00} ) and the Company apparently didnt close the account and NO merchants have signed receipts for the charges ( not with my signature anyway ). I had a letter sent Certified Mail to Citibank Sears MasterCard but even though they acknowledge receipt of the calls and letter : Citibank continues to debit my bank account monthly and insists I made the charges. All with no videotapes, signed receipts or any evidence. Credit Card fraud can not be charged to the Credit Card Holder in my home State of Texas.
Consumer complaint received 2018-05-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

I C SYSTEMS HAD CONTINUED TO REPORT AN UNKNOWN ACCOUNT ON MY CREDIT PROFILE. I DO NOT OWE THIS COMPANY. THIS COMPANY CAN NOT PRESENT A SIGNED AGREEMENT/CONTRACT BETWEEN MYSELF AND THIS COMPANY. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT PROFILES.
Consumer complaint received 2016-07-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

issue-1 Our loan was sold to Green Tree/Ditech in XXXX 2015. In the transfer, somehow, the monthly amount that we were to pay was reduced to an number that did n't replenish our escrow account. Ditech never notified us, and just recently sent us an " account evaluation '' showing that we are in the negative with our escrow, and raised our monthly payment by almost {$500.00} to start immediately. I contacted them on XXXX XXXX, filled out the online form to cancel our escrow account, and followed up with a letter, sent to the address their rep gave me. I got an email saying that they would review this and get back to me within 10 days. It 's been a month and no word. Our payment would be late on XX/XX/XXXX, so I emailed them in advance and let them know that I 've cancelled our escrow account, and would only be paying the principle and interest, then made that payment on time. Now, they took that money and put it into a " suspended account '', and charged me a late fee, as if I did n't pay at all. 

Issue 2- When we were first sold to Ditech , we only had the option to " XXXX '' or auto withdrawal every month. I choose auto withdrawal. Four months later, I get a notice of default, because somehow, they deducted less than the full amount of our payment, never notified me, charged a late fee, reported it to the credit bureau. I contacted my bank, and they have no idea why that would have happened. I paid the full amount due, and appealed to Ditech to waive the late fee and not report it to credit. They promised a written response within 30 days.75 days later, they denied XXXX requests. Meanwhile, I have paid the late fee XXXX times, and it is STILL showing on my statements. I believe that they have been taking that fee and applying it to the escrow shortage, but, again, never informing me. 

So, now I have a total of {$7000.00} and change due on XX/XX/XXXX. They have failed to cancel the escrow and are still charging for that plus XXXX late fees. I fully expect them to put me into default again soon.
Consumer complaint received 2015-05-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (TX)

To whom it may concern, Within the last 3 years I have lost XXXX parents, suffered a XXXX and received XXXX XXXX XXXX. By GODs grace I have been in recovery and working again. About a month ago, my bank/servicer XXXX sold my loan to Greentree Servicing. I received no documentation. When I contacted Greentree, they told me to bring the note current because I do not qualify for any type of modification. I contacted MHA ( Making Home Affordable ) Help Hotline. I was told because I never received a modification, that I am eligible. We prepared all the documents and sent them to Greentree. They have refused to confirm my documents and have posted my home for Foreclosure on Tuesday, XX/XX/XXXX. I have recently received an inheritance from the sale of my parents home. I have also tried to request an accurate pay-off but Greentree keeps telling me that it is too late to do anything except to contact their Foreclosure Attorney. Please help me save my home. 
Sincerely, XXXX XXXX
Consumer complaint received 2016-01-20
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Innovis (AK)

I have been working on increasing my credit score for approx. a year. I have paid for each credit bureaus individual service to manage my credit score, along with XXXX XXXX. All three credit bureau 's are directly reporting my score as XXXX - XXXX. 

I have applied for a mortgage and some third party reporting agency is saying that my reported credit score is XXXX - XXXX. I would like to file a complaint so I know that the monies I 've been paying out to each credit bureau is n't a financial scam?
Consumer complaint received 2016-10-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MA)

My mortgage servicing was sold to Ditech. For the second year in a row they have asked me to provide proof of condo building insurance. It took my insurance agent several weeks to resolve this last year. Last year they bought a policy for me even though my insurance agent was in the process of trying to get this straightened out. Ditech still has not refunded {$35.00} from scamming me last year. And now they are doing this again.
Consumer complaint received 2015-06-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MT)

i had a catostrophic insurance claim on my house on XXXX XXXX, 2014. I have had several phone conversations with my mortgage company about my insurance money. They never communicated with me on the requirements until I questioned them why they were not releasing my insurance funds to me. I have had the siding done on my house but not my roof yet. I have had several phone calls, emails and faxes to the greentree claims dept. They all tell me something different. The superviser told me to quit calling and they would settle the claim when they had time. Currently, they are sitting on {$15000.00} that i need to pay my contractor with. I have asked them to contact my insurance adjustor because clearly they are not listening to me and not able to read the adjustors report. I have sent them all the required documents and they still will not release my funds. How do I pay my contractor? I have sent in completion photos. I have sent in tax id numbers. They will not release my depreciated amount until an inspection is done. They will not do an inspection until i have all the work complete. Neither XXXX of my contractors will sign a lien waiver until they are paid in full. I cant afford to pay them without my insurance money. The mortgage company states that none of the funds can be released to me. If I end up paying the contractor they will not refund the money to me.