davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MD)

I received XXXX consecutive 30-Day Lates with Nation Star Mortgage when I paid my mortgage on-time. Nationstar did not notify me that they placed an Escrow account on my mortgage which increased my mortgage about another {$250.00} in which I was unaware. As I paid my normal mortgage amount on time each month, Nationstar took my payments, put them in a holding account, deemed me as unpaid and issued me XXXX 30 day lates and they refuse to remove them. Attached is my proof of payment of both mortgage and property taxes. I need help getting them to deal fairly with me.
Consumer complaint received 2016-07-19
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: PNC Bank N.A. (GA)

What I now know was a scammer paid off my credit card then forced me to make a XXXX Cash advance on my Credit Card & send it to an account. I contacted the credit card company multiple times they said that the cash advance had cleared & everything was fine. It was n't .... the day after I made the deposit into the account that they forced the deposit bounced. I contacted the credit card company with account # money even the bank account # the money went into & they said that the card company could contact them & get the money back cause account was still active. At first they said no problem they would work in out & requested I file police report & credited my account then they later denied my claim. I filed the police report & done everything they requested. They send me replacement cards, Now that they denied the claim the account is over the limit & closed. Please have them Double check Exact amount on Cash withdraw. It was maximum allowed. Police report was less than I was thinking but i could be incorect
Consumer complaint received 2023-02-08
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. (CT)

To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report, and I noticed some late Payments posted on my credit report : XXXX XXXXXXXX, XXXX # XXXX, Your company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer Reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the Following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this account on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer Credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not Include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer And the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of My report after the changes have been made will result in legal actions being taken against your company.1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability For willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2023-02-25
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. (MI)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  bankruptcy discharged : XXXX 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-24
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. (IL)

In accordance with fair credit reporting act XXXX accounts # 1 and # 2 listed below violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2016-01-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

My mortgage interest rate and payment with Nationstar Mortgage increased XX/XX/2015. I requested on XX/XX/XXXX, a reason why I was never notified of any pending increase and was told that on XXXX/XXXX/15, I was sent a notice that my rate would be increasing. I asked for a copy of that notice on XX/XX/XXXX since I never received it and still to this day I have heard nothing. Please help!
Consumer complaint received 2023-04-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CT)

On XXXX XXXX  2023, I opened 2 online account via Citibank online, transferring XXXX and XXXX respectively to checking and savings accounts, waited 5 days for the funds to clear and then tried to create 2 Certificate of deposits to 90 days and 30 days, which I Attempted to fund but was unable to fund for some unknown technical reason. I called Costumer service and someone explained that those CD were faulty and were going to disappear after a few days and he created another for XXXX which was to be funded in 5 days, he also transferred all the monies in the savings XXXX back to checking. On XX/XX/XXXX, I intended to complete all the features of checking account and created a XXXX XXXX to myself and attempted to transfer back XXXX to my XXXX account, at this time I got locked out of the account, claiming security reasons. I spent 2 hours on the phone and was able to unlock. Next morning, Friday XX/XX/XXXX I attempted to log in and was completely blocked again, I called and was informed that the accounts were in process of being closed and it would take 6o days to get a check in the mail. I went in person to a nearby branch and Costumer service XXXX XXXX attempted to unblock the accounts unsuccessfully and online Security and Fraud Prevention dept were unable to give a reason for the closing or a legal basis for not disbursing the funds immediately. 
Manager, XXXX XXXX intervened and after a 3 HOURS was able to unblock and I was instructed to create a new username and password, issuing a temporary ATM. We verified that it was unblocked at the bank. I received an email from Citibank indicating all was good and the attempted XXXX transferred funds to my XXXX account was released. 
This morning Sat XX/XX/XXXX, I attempted to access my accounts and I am again blocked, I called the number indicated and they claim no know nothing of the reason. 
At this time they are holding XXXX in a 9 month CD, a credit card I had for 7 years and XXXX in a checking account. I am unable to access my accounts or get information about it.
Consumer complaint received 2017-02-08
Product: Credit card — 
Issue: Advertising and marketing — 
Company: PNC Bank N.A. (KY)

I received promotional materials advertising a credit card claiming 0 % introductory APR for purchases and 0 % introductory APR for balance transfers. In a separate table below, it indicated Transaction Fees for the Balance Transfer at either {$5.00} or 3 %, whichever is greater. The way the information is organized intentionally misleads consumers to believe that there will be no fee associated with the balance transfer.
Consumer complaint received 2016-09-12
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: BlueChip Financial (OH)

I sent the following email on XXXX : On XXXX/XXXX/XXXX I borrowed {$400.00}. To date, I have paid {$660.00} for this loan. I recently had XXXX the XXXX and was off work for 2 weeks with no income. Since coming back to work from XXXX, I 've been experiencing less hours and thus less pay. It is becoming a real hardship for me to have $ XXXX taken out every pay. I 've already paid back the {$400.00} and then some. 

Since XXXX XXXX, I have borrowed approximately {$1200.00} and paid back approximately {$1800.00}, not including this current loan. This included sending in money orders. I have been a good customer and never defaulted. 

I asked if they would consider marking this load paid in full. Their response on XXXX : Unfortunately, you do not qualify for a settlement at this time. 

Your current Spotloan payment schedule is at our maximum duration. We are unable to lower your regular payments any further by extending your payment schedule. 

For either a half payment on each payment due date or a single payment per month, we can offer the following choice : Turning off your automatic drafts and mailing in whichever option you prefer in the form of a check or money order. That way you will not have to call in two business days before every payment to set up your arrangement. Please let us know if this works at least two business days in advance of your XXXX XXXX payment of {$73.00}. 

I stopped automatic drafts from my account and was planning to send {$40.00} every payday. Their response : Thanks for contacting me. I 've updated your account records to show that you have declined automatic payments from your bank account. 

You can also mail checks and money orders to : Spotloan XXXX XXXX XXXX XXXX, IL XXXX Account Number : XXXX As a friendly reminder, your next payment of {$73.00} is due on Wednesday, XXXX XXXX. 

When making smaller payments than what is scheduled, as a friendly reminder does accrue additional interest meaning you will extend out the life of the loan to a further duration. 

I still was not able to make a payment on XXXX XXXX, even {$40.00} without severely compromising my financial situation. Now the loan balance is {$450.00}. 

I do n't even think this loan is legal in my state of Ohio. 

They advertise that you pay down the principal with every payment. They advertise on their website : When you use a Spotloan instead of a typical online payday loan, you can save as much as 50 %. There 's no nickel-and-diming with fees, no balloon payments, and no surprises. I have n't found this to be the case, even making my payments as scheduled. They never give you an itemized statement of payments and how payments were applied. 

I also found it strange that there are 2 addresses for this company, one in Illinois and one in North Dakota.
Consumer complaint received 2016-02-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LENDER LIVE (MA)

We paid off a mortgage on XXXX XXXX, 2015 and have been following up with a discharge since. We have not received a discharge nor has the discharge been recorded at the Registry of Deeds. Many calls have been made and every time we call, we are told the lien release is being worked on or that we will get a call from a supervisor-no return calls are received. After a loan is paid in full, the bank is obligated to issue a discharge and state law in Massachusetts requires them to do so within 45 days.
Consumer complaint received 2021-04-21
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2021 I was closing on a house and waiting on wire transfer instructions from my attorneys office. I sent two transactions for a total of XXXX to XXXX XXXX in a Wells Fargo account. On XX/XX/2021 I was called into my attorneys office to review the wiring instructions and after reviewing said instructions it was brought to my attention that the wire instructions were fraudulent. We immediately noticed XXXX bank and XXXX XXXX and reported the scam. Several days later XXXX Bank informed me that my money was being held in a frozen account in Wells Fargo and that the scammer never got a single XXXX. XXXX XXXXXXXX and XXXX bank have been working tirelessly trying to recall my money, to no avail. Wells Fargo hasnt replied to any messages or phone calls from my banks since the beginning of this incident.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NC)

The loans that were paid out I was not in school at that time. I received grants that paid the full tuition. I advised Navient that the school should not of accepted any payments from them and it should of been returned however now I 'm be held responsible and I also show late payments on my credit report from a loan I knew nothing about or repayment options. I just did a consolidation and IDR and received two condescending repayment options. One say so have to pay {$63.00} and another says I have to pay {$14.00}. At this piont I 'm not even sure if I should be held responsible for this loan.
Consumer complaint received 2017-01-18
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (DC)

I had XXXX IBR payments completed when I lost my job. Navient put me into unemployment deferment. I just heard on XXXX that this was the wrong thing for them to do - that I should be in IBR with an income of {$0.00} so it counts for my 25 years, and that you are suing them for doing this to students. I would like to add my name to the suit or whatever I need to do in order to benefit from the lawsuit, since this will add months to my IBR loan repayment.
Consumer complaint received 2017-03-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (IL)

I am paying my Navient student loan on the first or second day of the billing cycle but the amount that gets applied to principal/Interest makes no sense whatsoever. 
XX/XX/2017, Payment, - {$400.00} ( Principal ), - {$390.00} ( interest ), Total XXXX XX/XX/2017, Payment, - {$320.00} ( Principal ), - {$460.00} ( interest ), Total XXXX XX/XX/2017, Payment, - {$810.00} ( Principal ), - {$180.00} ( interest ), Total XXXX
Consumer complaint received 2015-11-13
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: I.C. System, Inc. (TN)

The number XXXX continues to call me regularly. The first time I answered they said they were attempting to collect a debt when I asked them questions they disconnected. Ever since they call me no less than XXXX a day. I 've asked that they not call me. I 've attempted to call them back and never get an answer.
Consumer complaint received 2016-09-08
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NH)

I sold something on ebay and received a payment for {$1300.00} for the amount of the item ( {$1200.00} after fees ) ( transaction ID XXXX ). The buyer paid by Paypal. Paypal received the payment, but refuses to update my balance. After several phone calls, Paypal said it was due to a " software update '' and it would be fixed immediately. It has now been more than a day. Many other sellers are having the same problem according to ebay 's community boards. Paypal keeps changing the story about when this will be fixed. Some people are being told an hour, some a few hours, some until the end of the day, others 24-48 hours, and one person was even told 4-5 days. Like many sellers, I was relying on this money -- {$1200.00} is not an insubstantial sum -- and I think it is completely unfair for Paypal to hold up so many people 's funds so it can update its software. There surely is a way to update software without holding customers ' money with no recourse.
Consumer complaint received 2017-03-28
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BTH Management (CA)

I sent a request to verify the debt and received zero proof of the debt validation. I do NOT have a contract with Plaza Services nor have I ever done business with their institution. I do not owe this debt. Plaza Services has failed to comply with the FTC and has violated my rights as a consumer. I want Plaza Services to remove their information from credit reporting agencies as the information is false and affecting me negatively. Again this is a violation of the FTC.
Consumer complaint received 2017-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (GA)

I have contact ed Exeter Finance sev eral times with regards to the inaccurate late reportings that they are reporting on my credit file for  XXXX ,  XXXX , and  XXXX   2017 .  Exeter Finance ha s refused to remove these inaccurate reporting on my credit file with  XXXX ,  XXXX , and  XXXX . This account was paid in full on  XXXX   XXXX ,  2017  by  XXXX   XXXX   XXXX . My due date is the  XXXX  of each month. Please see the attachment that shows the account was paid in full.
Consumer complaint received 2015-08-27
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

Hello, I 've been XXXX for over 8 years now, XXXX on XXXX and Ebay, and using Paypal to accept payments from my customers domestically and internationally. I have perfect feedback on both sites and many many returning thrilled customers, dedicating my life to making my customers happy. In XXXX after a customer in XXXX had apparently used a stolen credit card for an item they purchased in my XXXX XXXX and then subsequently filed a 'chargeback ' ( to which I immediately gave my okay for the funds to be returned to the rightful credit card holder, even though I believe this customer was using this stolen- or not stolen- card to defraud/steal from me ), I had my Paypal account 'Reviewed '. During this review period Ebay also closed my store because of their rule that all sellers must have a Paypal account in good standing and Paypal is the only method of payment sellers are allowed to use. After about 2-3 weeks of worry, phone calls and much travail I received an email from Paypal stating that they had decided to reinstate my account but that they would now withhold 25 % of all of my incoming funds for a period of 4 months ( a 'rolling reserve ' ) starting immediately ( no warning whatsoever ). They said this is due to a number of reasons, XXXX of which being that my credit score was below XXXX etc., etc. and that I had a high percentage of chargebacks ( I believe I have had less than XXXX in the last 12 months- XXXX of which were no fault of mine whatsoever ), blah blah blah. They are now holding about {$3000.00} of my money as of the date of this writing, and Paypal in the email ( see attachment ) also stated that I am not even allowed to ask them to re-review my account until after XXXX XXXX 2015. I would like Paypal to release my funds immediately, for XXXX thing because they are a Money Transmitter, NOT a bank, and as such should not be legally allowed to withhold money for the length of 4 months, regardless of whether or not it says this is okay somewhere in their giant and ever changing user agreement that they make all users sign, also because this has caused me to now have trouble filling my orders and paying my bills and will ultimately ( and possibly very soon unless I 'm able to get a loan ) make it impossible to stay afloat. Please help. There are also many others out there like myself, I am by far not the only XXXX. Paypal should be stopped from being able to abuse their power anytime they feel like it- at best it 's extremely unfair and at worst, it 's illegal. 
Thank you so much for any help. 
NOTE : I had to choose only XXXX option below, but really it should be both domestic AND international money transfers, as my funds being held are from both types of transfers.
Consumer complaint received 2016-08-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Bliksum, LLC (CA)

Continues to call ALL day throughout the day from different area codes, different customer serv reps which always asks me the same questions over and over again, never updates my account, will not mail a copy or email my account, I have received numerous emails with incorrect information, can never speak to anyone in the collections dept, I have been left on hold to speak to a " supervisor '' and the list goes on. So, I stopped calling them to rectify my debt, I am truly sorry I ever did business with this company, I believe they are a scam.
Consumer complaint received 2017-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (NY)

: I recently requested my credit report from  XXXX   XXXX  and found that in  XXXX    XXXX   it was reported that I was 30 days late in paying my auto lease. I was not notified about this.     In researching what transpired at that time I remembered that US Bank notified me they had not received my  XXXX  payment. I immediately wrote a check #  XXXX  for  XXXX  and sent it to US Bank for the  XXXX  and  XXXX  payments. Two weeks later I inquired as to whether the payment had been received and was told it had not been received. I immediately stopped payment on this lost check an issued another check #  XXXX  for {$1300.00} for the  XXXX ,  XXXX  and  XXXX  payments which US Bank received.     I do not understand what went wrong with the payment process, but none of it was my fault. I had maintained auto leases  with US Bank for six years an d was never late on any payment I requested US Bank to remove this notation from my credit report. It has unfairly reduced my  credit score an d I would like it restored. They refused to correct this notation to my credit report.