davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-10
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: FORD MOTOR CREDIT CO. (KS)

Myself and my grandfather had a sales contract for a 2014 XXXX, of which we fell back on payments due to outstanding reasons. We were XXXX payments behind and had contacted our lender in order to arrange a full payment of the past due amount to be paid along with the next payment. The day the check arrived, a repo company showed up at my home to repossess the vehicle. The repo man knocked on our door to find that my wife answered, he proceeded to ask if I was there and she told him no. At which time he forced the door open and entered my home. Our XXXX service dogs attempted to protect my wife by becoming aggressive towards the man. my wife had to pull a XXXX handgun on the gentleman to make him leave the home. Once he did he proceeded down stairs where they were hooking our car up to a " repo '' vehicle. My wife warned them that the hand brake was applied and she was willing to provide the keys to the vehicle. The XXXX men refused this and began to drag the car, at the same time my wife attempted to record the ongoing confrontation but was prohibited by XXXX of the repo men by him slapping the phone out of her hands and to the ground, shattering the screen. About this time I arrived home and found my wife in complete disorder and she showed me how far the car had been drug, which was about XXXX yds away from its original position. During the time that they dragged the car they blew the parking rod and dropped the transmission and let debris, skid marks, and fluids all over the parking lot. Next I attempted to ask the men to allow me to retrieve some sensitive information out of the vehicle and to obtain the vehicle 's license plate to return it to the XXXX. They denied my the right to take the tag and made me sign a blank document to retrieve my valuables out. After the " repossession '' was over myself and my grandfather contacted the financing company and told them what had happened, we received no answer from them and were told we would receive a call back ASAP. During this time I called the check writing authority and they informed me that the check was about to be cashed at which time I instructed them to cancel the check because there was a breech in my agreement with the financing company. We never heard from them until bout XXXX months later by being served papers to appear in court and we owed them a large sum of money. After further review of the sales contract we found that they may repossess the vehicle but must due so peacefully and within the limits of law, which they did neither of these.
Consumer complaint received 2017-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

Back when Navient picked up my student loans last year from my previous lender they improperly applied my existing payments ( I was six months ahead ) to their loans and then told me I was behind in payments and they were going after my credit if I did n't pay. This forced me to pay early, which I could afford, but was definitely intentional on their part as I spent hours on the phone with their customer service providing written evidence of proof of previous advanced payment. They refused to change my payment due date to the correct advance date even when faced with indisputable evidence of my payment history. I had assumed they were just incompetent and gave up fighting them, but when I saw the news article this morning that the CFPB was filing a lawsuit I realized I was n't alone and this was systematic and intentional. I wanted to add my story to the pile.
Consumer complaint received 2015-12-01
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (TX)

We have mailed our payments in a timely manner to XXXX Mortgage, the payee described in our loan documents, to the address provided in our loan documents. These payments were forwarded to LoanCare by XXXX, without our knowledge, until XXXX XXXX. Our checks cleared after the grace period, but were endorsed by XXXX. We had no idea we had late charges until XXXX XXXX. We had no idea we had credit damage until XXXX XXXX. 
We did not receive notice that our loan servicer had changed until XXXX XXXX, as all lender correspondence was sent to physical address. Our home is rural and does not have mail delivery. Our mailing address was described by the lender on their closing docs, which we signed. The lender sent email positive email confirmation of payment without reference to late payment, fees or notice of negative credit reporting. 
We have tried repeatedly to both verbalize and in writing to state our understandable position to LoanCare, but have been met with delay, defensive posturing and red tape. We are pushed to defend our integrity. We feel our lender takes a " deny first and always '' service attitude, shuffling us up bureaucratic ladders with delay if we resist. Our pleas fall on deaf ears, and we are frustrated.
Consumer complaint received 2016-03-04
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (ID)

In regards to case XXXX Paypal has locked me out of my account. They tell me to access my account to see their response yet they conveniently locked my out of my account after you sent them my complaint. 
My husband is XXXX XXXX and your autofill put his name instead of mine. He is still allowed to discuss this issue and has my full permission as he knows all the facts and the credit card used was in his name also.. He is a licensed attorney and Paypals excuse to not discuss this further is not a solution. Paypal has my phone number, mailing address and email. Yet they still wo n't communicate and instead send unrepliable emails telling me to log in to my account to discuss this with them yet not allowing me to login to my account.
Consumer complaint received 2017-01-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: I.C. System, Inc. (OH)

I have a non-validated accout # XXXX that has been sold to your office. This is the third time I have had to have this old charged off account removed from my credit report. I have never done any business with IC SYSTEMS.Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt IC SYSTEM purport I owe.It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 
XXXX COLLECTOR XXXX Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein XXXX agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
Please provide the name and address of the bonding agent for IC SYSTEM in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
Consumer complaint received 2016-09-27
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NJ)

I have a paypal account, with around XXXX dollars in it. I want to withdraw my money back to my XXXX checking account. I tried two weeks ago, and it shows " Internal server error. '' I contacted Paypal customer service and they did n't reply. I tried again these days and it still shows " Internal server error. '' I tried every approaches, including change browser, clean history but all did n't work. Now they still did n't give me any response, and I really need your help.
Consumer complaint received 2015-08-11
Product: Credit card — 
Issue: Late fee — 
Company: Paypal Holdings, Inc (CA)

Credit was issued to me without intentional consent. While using my ordinary PayPal account, the payment method was automatically defaulted to PayPal Credit. I was charged {$88.00} in late fees and interest over two {$7.00} payments on XXXX XXXX and XXXX XXXX. Assuming the first interest charge to be indicative of ongoing rate ( e.g. ignoring interest charged on late fees XXXX, effective APR on {$15.00} credit issued was approximately 150 %. No paper statements were sent, and email statements appeared to be spam. Company was unavailable at XXXX PST to receive formal complaint and request for refunded late fees. Consumer was advised to call back during normal business hours. Payment was made in full to avoid further reprisal.
Consumer complaint received 2016-06-21
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I found an ad on XXXX for tickets to a basketball game that were very cheap. The seller asked that I pay using Paypal and that they would send me the tickets electronically. Since I knew Paypal to have guarantees against fraud I went ahead and sent the money via their mobile app. No tickets were forthcoming. 
It turns out that the scammer asked me to use Paypal 's " send to friends and family '' payment option which does n't offer said fraud guarantees something that is n't noted in the sending money process.
Consumer complaint received 2015-07-24
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (KY)

On XXXX there was a fraudulent online application submitted using my personal information with PayPal Credit. I did not request this line of credit. I was alerted by XXXX and responded that I did not initiate this request for credit. XXXX contacted PayPal and confirmed that an account had not been established. I have requested that PayPal remove this application. I am submitting this affidavit in lieu of filing a police report.
Consumer complaint received 2015-05-22
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (NY)

On XXXX XXXX, I made a purchase at XXXX online. I had received an email from my paypal smart connect credit account that if I made a purchase between XXXX and XXXX, I would receive a {$10.00} credit. So I got a total of {$72.00} purchase and attempted to check out as a guest through paypal. My paypal credit card XXXX Smart connect XXXX did n't show up for finalizing the transaction. I went back and logged into my XXXX account and paypal came up so I checked out, thinking it was my paypal credit account XXXX smart connect XXXX. I do n't remember anything that stuck in my mind to let me know I was signing up for a new credit line. I have had credit issues in the past, so the credit cards I have now are the only ones I want. I never sign up for new cards. I want to purchase a new house in the future and do n't want to compromise my credit score. I emailed back and forth with paypal after I received the paper credit statement of the purchase and which showed no balance. I know I have a balance on my smart connect, so I could n't figure this statement out. I also do n't receive paper credit card statements. Emailing did n't help, just was more confusing as they told me I could only have XXXX credit card linked to paypal and that I could like the paypal credit after disconnecting smart connect. What? I called paypal to see if I could move the paypal credit balance to my paypal smart connect. the person I spoke to, XXXX, could n't even find this purchase anywhere XXXX and I think she said that paypal could n't transfer the balance anyway between the XXXX credit lines XXXX, so she forwarded me to XXXX at Paypal credit. He said I could pay off the balance and close the paypal credit account. I asked if this affects my credit score and he said that they did do a credit check before they issued the paypal credit. I was so upset after speaking with him and venting to him and asking if this is what the paypal scam on the news is about. Then I hung up. Can I be added to the lawsuit that cfpb has filed against paypal?
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Account # XXXX, has violated my rights. XXXX XXXXXXXX Account # XXXX, has violated my rights. XXXX Account # XXXX, has violated my rights. XXXX Account # XXXX, has violated my rights. XXXX XXXX Account # XXXX, account has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-07-15
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: PNC Bank N.A. (OH)

I set up a payment for my car note and it returned as insuffcient funds to the institution i made my payment for and shows as " paid '' or posted to my bank account. My money is gone and my bill went unpaid!!!! No one know 's where my money is and now my car is up for repossesion!!!! The payment was posted to my account on XXXX XXXX, and said to have returned on XXXX XXXX which makes no sense at all, because i saw it posted to my account on XXXX XXXX, 2015.
Consumer complaint received 2017-04-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

I do n't have any loans with Navient and they keep sending letters and are putting negative information on my credit report. I have never signed anything or agreed to anything with Navient and every time I dispute them on my report or through a credit repair agency they keep saying my debt is accurate. I do n't have anything to do with them though. They have no paperwork or anything with my name or signature on it. Not sure why they wo n't leave me alone and now they are sending letters that I do n't want or need. These people are relentless and not in a good way.
Consumer complaint received 2015-08-16
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (IN)

My wife and I each purchased a {$2000.00} Certificate of Deposit ( IRAs ) from XXXX in XXXX IN on XXXX XXXX, XXXX. These were for XXXX contributions. That was the first time we ever did this. My wife filed these papers away at that time in a file cabinet. Future investments my wife filed in a different file. In XXXX of this year, XXXX, my wife found the file with these IRAs. Obviously we forgot about them as it is XXXX years later. We moved one time two years after we bought the IRAs but still in the same city XXXX. Then we realized not once had we received yearly statements. Since XXXX was bought out by XXXX, and PNC bought out XXXX, I took our paperwork to PNC. A gentleman in his early XXXX XXXX XXXX or XXXX? not sure of his name ) at PNC told me " I see your name in our system, but there is no account information with it. My XXXX return to PNC a week or XXXX later, and I received the attached letter " apologizing and no offer to help. '' I called Indiana Unclaimed and she said this is still under the XXXX year limit so it should be here, but she found nothing. Indiana Unclaimed directed me to some people who got me to you.
Consumer complaint received 2016-03-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (MD)

In XXXX 2015 I advised PNC that I was changing banks and that I wanted accounts and CC processing services closed. In XXXX I received a letter demanding payment for {$210.00} in service charges. I contacted a PNC representative and we agreed to a final payment of {$120.00}. That payment was immediately sent and PNC cashed the check within the week. Today I received another terse letter demanding {$39.00} or the will damage my credit report.
Consumer complaint received 2015-09-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (OR)

I suspect a scam to prolong my PMI payments. I was advised that an appraiser will contact me in a month. It took over 6 months to get an appraiser scheduled. Then once completed, with a 25 % debt to value ratio, I was denied. It is now being reviewed, and it will take another 2 weeks for the results. Culprit Loancare - Escrow, XXXX, VA.
Consumer complaint received 2017-01-06
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP (NV)

US Bank committed a possible UDAAP violation with their bill pay system. I utilized their bill pay system which stated that my rent check would arrive at my property management office on the XXXX. It was not disclosed that, although a paper check would be mailed, that it may not make it by that date. Thus I had no problem using the service and expected my check to arrive on time. However, the check did not make it on the stated date. I have now incurred a late fee and threat of eviction due to this. I called their bill pay department and explained the situation and requested reimbursement for the late fee. The agent handling the call stated that US Bank would not reimburse me for the late fee because they could not control the mail. I pointed out that the website had no such disclosure or I would have used another method or arraigned for the payment to arrive earlier. I further explained that I have used the method in the past and have had no issues with it. I put my trust in the method and now I can not trust the method. The agent still ignored my statements and argued that it was not a UDAAP, I was free to research the laws on the matter, and US Bank would not reimburse me.
Consumer complaint received 2015-06-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (MN)

I have sent numerous letters, police reports and made number phone calls into in regards to the fraudulent U.S. Bank checking and savings accounts ending in : XXXX, XXXX and XXXX. These checking and savings accounts are fraudulent accounts that was opened by someone else who stole my personal information and identity. At the time these accounts was opened, I was incarcerated from XX/XX/XXXX to XX/XX/XXXX. I have attached supporting documentation that I was incarcerated.
Consumer complaint received 2015-11-06
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: U.S. BANCORP (FL)

I applied for an XXXX XXXX card through Elan Financial. They had been soliciting me for months, so I decided to apply for the card. I was declined for the card through Elan and was notified when I called that the card was declined due to my prior 2008 bankruptcy. 
The underwriter noticed that the bankruptcy had been so long ago that he concluded that he would resubmit the card for manual underwriting and suggested I call back in 2 days. 
When I phoned back to gain knowledge of the result of the card decision. I was speaking with XXXX at ext XXXX and she shared information and spoke to me in a way I had never been discriminated in before. XXXX instead of just sharing the final decision went on to inform me that the decision was based on the outstanding balances on other cards and primarily my bankruptcy. She went on to share with me that based on her looking at my credit profile it was clear that I was well on my way to my second bankruptcy. This way of approaching customers is not an example of fair lending nor is it appropriate for any company to speak in ways that place judgment or wound there applicants. I clearly felt discriminated against and felt Elan Financial spoke and clearly attacked my character. I have not been able to ignore the clear attack on my character and the discrimination on me as a person.
Consumer complaint received 2015-05-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (MD)

American Education Services ( AES ) is a student loan company that does not work with you and I feel the loans that they are asking me to pay are not associated with me ( XXXX in total ). I have XXXX check stubs as well as XXXX deposit slips for the loans I have obtained from them but no record of the other XXXX loans. I requested my promissory notes for all the loans because I have no record of that ever being signed and I have no copies for myself. When I requested them they sent me application signature pages from applying to the loans. Which raised red flags in my book. I consistently call to ask for help but no help is ever received. My loans are now in collections and is destroying my credit. I have become so XXXX from the situation.
Consumer complaint received 2016-10-25
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (WI)

Representatives with U.S. Bank provided incorrect information on four separate occasions in the last ten ( 10 ) days. Billing errors include : ( 1 ) Failure to credit my account properly, ( 2 ) Failure to mail my statement to my current address resulting in no billing statements for three months, ( 3 ) Failure to provide additional information regarding my current balance, and ( 4 ) Failure to validate the debt reflected in the past due balance. I believe a portion of the " disputed amount '' and finance charges are part of my current balance and listed as " past due ''. U.S. Bank failed to correct the statements for the months affected by fraudulent transactions after credits were issued resulting in incorrect amounts due. The law states I do not have to pay the amount in question or any portion of the minimum amount due while the claim is under investigation. I believe U.S. Bank is in violation of my rights by restricting my account after receiving a formal dispute letter advising of my recent identity theft and refusing to send my replacement cards until I brought the alleged past due account current. Please see Attachment I listing detailed back up data for violations indicated above. 
Every time I call I have to repeat my story. I continually get transferred to Collections, Fraud Department and Customer Service and never get any type of resolution on my account. How do we get this resolved before I have to contact a lawyer?