davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-10
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Paypal Holdings, Inc (NY)

Greetins, I am having an issue with PAYPAL Inc XXXX I am disputing a negative balance of {$570.00} on my PAYPAL Account. 
On XX/XX/XXXX I tried to make a purchase from XXXX. ( XXXX- XXXX ) using my PAYPAL credit that is a line of credit from PAYPAL everything looked OK until next day that I got a negative balance of {$570.00} on my checking account ending XXXX?? Right away I contacted PAYPAL Credit and I asked why you put this balance on my checking account when I did this transaction through PAYPAL CREDIT and I NEVER chose or authorized to use my checking account. They said that I chose my checking account and I said to them many times that I DID NOT chose my checking account as source of payment or not even authorized to use my checking account also I have a copy of this transaction that it was through PAYPAL CREDIT. Even after I explained many times and disputed to them about this balance They tried few times to collect the money from my checking account XXXX ; getting me in trouble and on XXXX situation with my bank because I got few insufficient fees of {$34.00} each and my bank almost shut my checking account because PAYPAL. At this point I ca n't even use my checking account to make payments Now I have to buy a money order and mail the payments. 
So far one of my disputed I did with XXXX and XXXX from Pay Pal Limitations Department Ref # XXXX on XXXX They told me that I have to wait 10 business days and I am still not getting an answer from them. Today I called PAYPAL four times I spoke with XXXX Limitations Department again and they do n't have any answer for me. I really need to resolve this issue as soon as possible I am so concern that this issue could affect my credit report. Please I will appreciate so much any assistance in this matter. 
Sincerely,
Consumer complaint received 2015-09-11
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: AR Resources, Inc. (VA)

Debt collection company called XXXX 1 day and XXXX time the next day. Spoke to rep on XXXX/XXXX/2015 on a day I was XXXX asked not to call me, he called back ... 

Collection company refused offer of payment plan. XXXX said I was to get XXXX bills then they send to collections. I only got XXXX bill in XXXX, then was submitted to collections on XXXX XXXX, 2015 ; received NO NOTICE from XXXX that I was being submitted to collections. This is only XXXX XXXX, 2015. The rude calls from collector and the disrespect is " not professional. " Request that CFPB work on my behalf ; stop the calls, get company to send letter acknowledging collection status ; accept a payment plan. Also Collection company needs " full disclosure '' of their identity and their company address and contact information.
Consumer complaint received 2016-11-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AR Resources, Inc. (NJ)

This is for XXXX XXXX XXXX, I paid this off I spoke with a XXXX from XXXX XXXX XXXX she also agreed I do not owe this money she has tried to get it taken off. her number is XXXX I sent a copy of my o balance to XXXX XXXX at AR Resources XXXX fax XXXX sent this fax XX/XX/XXXX I have been trying to get this off since XX/XX/XXXX, This is affected my score. I really want this off. I do not owe them. I can send a fax to show you the XXXX balance.
Consumer complaint received 2016-05-12
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Sterling Home Loans Inc (CA)

Like many others, we have been facing difficult financial times for the last few years. Late in 2013 we took a XXXX mortgage on our home to catch up on our bills and to help launch a business that would get us back to work. The lender ( Sterling Homes ) took a second position on our home. By the time they had the money for us we were desperate, and they smoothed through the XXXX pages of documents so quickly that we signed without really understanding what the paperwork said. Turns out the loan was to be paid back with interest only payments of $ XXXX monthly due to a 16.26 % annual interest rate and {$9000.00} in fees ( over 10 % of the loan amount ). Worse, they slid a clause in their fine print that says they can foreclose even if the first is brought current. These guys presented themselves as banker type lenders, but they were loan sharks. The terms of the loan are usery and they should never been able to charge such exorbitant rates and fees especially when the loan was secured by an owner occupied home. They said they were lending my business money, but they showed little or no interest in it at all. The business still has n't launched and money is still tight so we are almost 7 months behind now on both the XXXX and XXXX. The XXXX is with XXXX and they have agreed to a loan mod beginning XXXX XXXX that will substantially reduce my payment, get me current and waive all their late fees. The problem is that the second lender has a XXXX XXXX foreclosure date and will not grant any kind of modification, nor even let us catch up. They are requiring us to pay off their loan in full before XXXX XXXX or forfeit the home where we have been raising our boys for XXXX and XXXX years. They want to steal our equity even though we have owned the home for over 19 years, borrowed money from them only 3 years ago, and only owe about {$6000.00}. Please help us force them to modify their loan to allow us to keep our home. They have already made over {$30000.00} in straight profit for lending us $ XXXX and we still owe them the entire $ XXXX! They took advantage of our desperation and now they are trying to take our home even though the first lender is working with us. We need your help!
Consumer complaint received 2016-02-19
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Risecredit, LLC (CA)

applied for a loan not seeing the payments go down on paying on a XXXX dollars loan for almost a year. XXXX a month. Times XXXX {$500.00} per month. 
currently interest rate is 198.15 %. military lending act only goes up for service member up to 36 % please any assistance would be appreciated. 

Thank you.
Consumer complaint received 2017-03-31
Product: Payday loan — 
Issue: Can't contact lender — 
Company: EZCORP, INC. (FL)

I applied for a payday loan 10 years ago some agency calling on behalf of Department of Investigations called my friends and family members threating that I was going to be arrest for fraud and larceny. This particular payday loan has been consolidated from my previous bank resulting in my checking account being charged off I have all documents but this agency harassed me for {$420.00}. She told me she was forwarding my information to an prosecutor and that I will be locked away for federal charges. Their number is XXXX..please stop these people from harassing me
Consumer complaint received 2016-01-14
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Paypal Holdings, Inc (NY)

i opened an account with paypal after the account was opened i was supposed to receive a payment from a friend i never got the payment so i decided to add money to the paypal account myself on XXXX/XXXX/2016 after the funds was added i received a called from paypal to verify that i had added the funds to the paypal account i confirm everything with paypal then minutes later i didnt have access to my account paypal refuses to give me access to my funds saying it will be on hold for 180 days i have been trying to call paypal and i have been sending emails..i dont care to have a paypal account i just want my money back and they can close the accounts
Consumer complaint received 2016-08-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TrueAccord Corp. (CA)

contacted by debt collection agency, ( Truaccord ), through e-mail, about a debt that i dont owe. 

Truaccord wrote that I owe XXXX to XXXX XXXX.
Consumer complaint received 2017-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I HAVE NEVER HAD LATE PAYMENTS ON THIS ACCOUNT ( XXXX ), I HAVE ATTACHED THE LETTER PROVIDED BY XXXX TO PROVE THAT THIS ACCOUNT HAS BEEN APPROVED TO BE POSITIVE IMPACT ON MY CREDIT REPORTS NOT NEGATIVE, THEY HAVE GIVEN PERMISSION TO HAVE THIS NEGATIVE REMOVED FROM MY CREDIT REPORTS. 
PLEASE HELP ME TO HAVE ALL THE BUREAUS REMOVE THIS NEGATIVE MARK. 
THANK YOU
Consumer complaint received 2015-11-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A. (IN)

I applied for a modification XX/XX/XXXX. I was approved XX/XX/XXXX (? ) and was sent a modification XX/XX/XXXX after successfully making my trial payments. However, the modification had the wrong address, it listed the wrong state. I called to notify them and was told not to return it as it could n't be accepted and to continue to make my trial payments each month which I have done. I have called to ask why I still do not have a new modification agreement and told to continue to make the trial payment amount and wait. I have had someone come to my home and leave a note on my door to call Flagstar as well as take pics of my home for the last 4 months. I am talking at minimum once a month to Flagstar and complying with what they are requesting. How is the harassment fair? Last week I received a notice that I was turned down for failure to return my modification and they were resuming foreclosure. I contacted Flagstar in which they stated the same thing. After a tearful XXXX minute conversation, they stated I was correct they sent the wrong modification agreement and advised me not to return it. I should not be concerned and a new agreement would be sent in the next 5-7 days. Last Saturday I received a notice from an attorney about an eviction. Now again today someone has showed up at my door with an urgent notice and taking pictures of my home. 

Why has it taken 11 months to complete this, why is n't someone staying on top of my file, and why am I being harassed unnecessarily?
Consumer complaint received 2015-07-10
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Sherloq Group, Inc (PA)

In XX/XX/XXXX I was working XXXX and was covered XXXX to pay for XXXX exams and all medical visits. Do n't understand why XXXX XXXX XXXX charged me {$560.00} for Med- test and send to collection since I never received any bills. I retired in XXXX, XX/XX/XXXX and moved XXXX. I believe this account should be cleared up with XXXX and XXXX. Since XXXX, XX/XX/XXXX I resides XXXX. I need to clear my credit account and this is an unnecessary debt account and must be removed from my credit. Thank you.
Consumer complaint received 2016-10-11
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Green Trust Cash, LLC (OK)

I took out payday loans when my husband was n't working ( a 15 month period ) so that we would not have to pay car payments, housing, or utilities late. Since then the interest has eaten us alive where we ca n't pay them off. We 've had to pay them off and renew multiple times and now I have found out they are n't even licensed in Oklahoma. They withdraw the funds from XXXX and I am having to close my account. I was told to file a complaint since they are n't licensed to do business in Oklahoma. Please advise. Thank you.
Consumer complaint received 2016-10-25
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION (GA)

On XXXX/XXXX/16, I stopped at the BB & T Bank at XXXX, I went to the ATM, inserted my card, entered my PIN, chose cash deposit, inserted {$360.00} in cash and the machine took it and froze up displaying " transaction processing '' for the next five minutes. The machine would not give me a receipt, it would not let me cancel the transaction and took my cash. I called the XXXX XXXX number posted on the ATM and they told me to go into the branch and report that the ATM was broken. I reported what happened to XXXX XXXX and XXXX XXXX in the branch. XXXX went outside and verified the machine was stuck displaying " transaction processing ''. They advised me that XXXX manages the ATM 's for BB & T and they have no responsibility for the ATM. They called and made a claim XXXX for the missing {$360.00} but said they could not access the ATM and could request the ATM be serviced to locate my cash. I was told XXXX would come out the next day. Now they are saying the '' Fraud '' dept is handling and it normally takes 5 days for them to look into it and XXXX will not come out until Friday XXXX/XXXX/16 and I " MAY '' have provisional credit by the end of the week. I called the " FRAUD '' dept at BB & T XXXX and I was in the recorded loop for 30 MINUTES and the call finally dropped without anyone answering the phone.
Consumer complaint received 2017-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (VA)

I am having an issue obtaining my credit report with  XXXX , Equifax and  XXXX . I have called all  XXXX  of the companies and they have told me that there is no block or freeze placed on my credit. When I try to sign up for consumer credit monitoring websites, I am receiving messages like : " Your personal information does n't match with credit bureau records ''. I am including a screenshot  of one of the websites for review. I need to be sure that the credit bureaus have the right personal information on file for me. I have researched this issue and I have come across several one  star reviews and complaints by consumers who have other persons ' information on my credit report and this is what causes issues like these. A bank was able to pull all  XXXX  reports for me back in  XXXX   2017  so I do n't know what has transpired since then to suddenly cause incorrect information to appear on my credit report. I am also going to include a copy of my driver 's license for the CFPB 's review with my current address and name. Please see attached.
Consumer complaint received 2016-01-07
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Assent Inc. (CA)

Assent Inc ran my credit report without my permission. I have never heard of Assent Inc. before nor have I ever done business with them. They are flagrantly violating the Fair Debt Collections Practices Act with their illegal and deceptive debt collection tactics. I do n't want any communication written, telephone, or any other method from Assent Inc XXXX
Consumer complaint received 2015-10-27
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL (UT)

Synchrony Bank/JCP ; Has presumed that I owe them for a lowly {$38.00} charge, which ( they have now inflated the charge to {$75.00} ) dates back to around XXXX 2015. They say it is my debt, have written the charge off, and assigned the debt to a XXXX XXXX XXXX ( XXXX ). Here is the problem : Synchrony bank NEVER called us. This {$38.00} charge was being mailed monthly to some ambiguous address and City and zip code some XXXX miles away from us, and we never received it EVER! If we would have ever received it, we would have called them up & figured out and qualmed the problem, but they never called us, and instead forwarded on the charge to XXXX XXXX XXXX. In doing so, it tarnished all XXXX Credit Reporting Agencies ' credit history of my wife, lowering her credit score about XXXX points! In the first place, this {$38.00} charge is likely a fraud case. Also, it was mailed to a foreign address. Synchrony/JCP never called my wife to discuss, and then took the liberty to report to the credit agencies that she is delinquent ( lowering her score XXXX points )! Further, we do n't recall ever opening this charge card! When I call Synchrony, I can never get a hold of anyone who can help. Further most of them, if they want to try, do not speak pure XXXX, and thus ca n't understand them. We 're infuriated, as we call XXXX XXXX XXXX weekly for resolution. While their people are decently reasonable, they say they will put in yet another request for " original credit application '' information. This has been going on for the past 6 weeks unresolved. Also XXXX XXXX XXXX can not rescind this credit history problem, but only Synchrony/JCP can. That, is what MUST happen! Until it does, we will likely feel compelled to hire an Attorney, and legally have these credit reporting errors fixed. But, I 'll not be paying the Attorney, Synchrony/JCP will ...!
Consumer complaint received 2015-06-16
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Rocket Mortgage, LLC (MI)

I refinance my mortgage on XXXX XXXX, 2012 with Quicken Loans and I feel was excessively over charged to refinance my mortgage. My mortgage was with XXXX, XXXX but they do not refinance so they referred me to Quicken Loans to refinance my loan. My loan balance with XXXX XXXX was {$77000.00}, the total fees, cost, and charges by Quicken Loans were {$8300.00} which my new loan balance was {$85.00}, XXXX. I did voice my opposition to the {$8300.00} charges but the loan officer had the attitude and position of take it or leave it. About two months after my closing, Quicken Loans did refund me {$1200.00} admitting their error in over charging fess and cost that should not have been rolled into my mortgage. Quicken Loans since sold my loan back to XXXX XXXX.
Consumer complaint received 2015-10-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

ATTACHED ARE XXXX LETTERS DATED XXXX XXXX, 2015 FROM MY SERVICER - BSI. THE LETTERS ACKNOWLEDGE RECEIPT OF " ADDITIONAL DOCUMENTS FOR YOUR APPLICATION TO OBTAIN A MODIFICATION. '' IN THE XXXX LETTER BSI MAKES THE STATEMENT " WE ARE NOT AWARE OF ANY DEFICIENCIES. '' BSI FURTHER INDICATES THAT A DETERMINATION WILL BE MADE WITHIN 30 DAYS. BSI HAS ALSO SCHEDULED A FORECLOSURE SALE DATE FOR XXXX XXXX, 2015. BSI IS ENGAGED IN DUAL TRACKING AND THIS IS EXPRESSLY PROHIBITED IN CALIFORNIA.
Consumer complaint received 2015-04-06
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Nelson and Kennard (ID)

XX/XX/XXXX I had a XXXX XXXX XXXX that was totaled in a head on collision that almost cost me my life. I had full coverage insurance I was under the impression that it was fully covered, it has been almost 19 years and my wages have begun getting garnished at 25 % a pay period it comes out to aproximatly {$600.00} a month, it has put me in sever finacial hardship as I am a newly single mother currently going through a divorce. The debt is registered in the state of XXXX and I have lived in XXXX for the past 8 years. I was unaware that I owed the debt, but apparently there was a judgement against me. I received a notice 2 days before my pay date of when my wages were to be garnished I had no time to fight it and before I knew it I was unable to pay all my bills. The agency ( Nelson & Kennard Attorney at Law in XXXX, XXXX ) I delt with constantly passed me off to a new person over and over and treated me as though I personally defiled them and I was XXXX of the earth and gave me several wrong numbers of whom I was supposed to speak with that lead me no where. The accured interest is double the amount of the debt.
Consumer complaint received 2016-10-18
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Foreman Financial Inc. (CA)

In XXXX XXXX a vehicle that I received a loan for from Foreman Financial was impounded. After realizing I was unable to get the vehicle back, I began trying to work with Foreman. I took the loan out in XXXX XXXX, and made a payment on the vehicle every month and was not in default at the time of the impound. Foreman later sent the vehicle to collections. The collection agency was requesting XXXX, but I had made all the payments, and the loan was only due for one year of payments. I sent a formal letter requesting a payment history and the supporting loan documents, but instead it was charged off and placed on my credit. I feel it was unfair as I was willing to payoff of the loan to prevent the credit impacts. I want this off my credit and my mothers ( XXXX XXXX ) and I want the chance to pay the remaining payments, as I was told they were going to allow me to do.
Consumer complaint received 2015-08-03
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Conn's, Inc. (TX)

I have had my account for sometime with Conn 's and have never been late except for the XXXX time the insurance paid late while I was off on XXXX. I paid extra for the replacement insurance on the computer we purchased. We brought the computer in to the Conn 's XXXX where we purchased it in XXXX because the lid hinge was not closing correctly and the battery would not stay charged at all it had to be plugged in all the time. My son is home schooled and that is the computer he used every day for his on line school and it worked fine. They had me sign a paper stating that if the hard drive had to be worked on he would loose all his information. I wrote on the paper that there is nothing wrong with the functioning of the computer just the battery and hinge. Well guess what they called us XXXX months later to let us know that the hard drive was bad and that they gave us credit at the store to get another computer. Surprise!!! Surprise!!! like we did n't see that coming. so we go to the store and spent XXXX hours there waiting for them to find a computer in that price range ... ..surprise # XXXX they do n't have XXXX and will not be getting any in that price range, but they can sure help us out by increasing our credit and letting us purchase a more expensive computer ... ..like we did n't see this coming either. We paid almost XXXX for replacement insurance but yet the computer to this day has not been replaced. We continued to make our payments on time for XXXX months with no computer. I had made XXXX trips to the XXXX store but no replacement unless I want to pay another down payment and increase my amount paid per month. This is not good business and I refuse to pay any longer on this account since Conn 's is not making good on the replacement. This is just a scam to get me to spend more money and have larger payments and I can not afford to do that, nor is that the RIGHT thing to do. Conn 's collected almost XXXX for replacement insurance plus over XXXX for the computer that we now do not have and they are still calling me asking me to pay the remainder of XXXX off for the finance charges. I am not doing business with this Scam of a company anymore. XXXX XXXX