davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-29
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: ZWICKER & ASSOCIATES (OH)

After my husband lost his job, staying current on our debts became very difficult. We joined Freedom Debt Relief as a way to manage our debt and make sure it was being paid. Unfortunately XXXX did not deal with Zwicker and Associates, and that is where our XXXX card ended up. We had and Attorney through XXXX that was dealing with XXXX and was supposedly trying to reach a settlement. We have since been sued by XXXX and have a Judgement against us. We have since paid our debts off except for this XXXX card. Without XXXX 's attorney we are now trying to deal with XXXX on our own. Our phone conversations with XXXX have so far been met with uncooperative attitudes in trying to come to a payment agreement with them. Lump sum is impossible for us. We have just learned that there is a bank garnishment order against us, but there is nothing in there to get. As a last ditch effort we called the attorney we were dealing with and asked her to please send us any documents from XXXX that they had. We found that there was an agreement that we had never seen or been told about. It is an agreement that we can definitely commit to. We called XXXX on Tuesday the XXXX of XXXX and asked XXXX the girl we had been dealing with, if we could sign this agreement and start payments immediately. We even sent copies of this agreement via email to them. It was all put together at XXXX. We were told no. They want a lump some payment of XXXX. If I had that money .... I would n't owe the debt. I do n't understand how they can garnish wages, bank accounts and sue you but when you try to pay them they can tell you no. How on earth do they ever expect to be paid? I would expect that if they want their money that badly and that they went to all this trouble, they would be happy to get the money. It 's embarrassing to be in this situation as it is, but every time you call them they make you feel worthless. They told me to borrow the money. Really? Why do n't they loan it to me! The amount on the agreement was also wrong. it was off by XXXX dollars. We owe XXXX, the agreement was for XXXX.
Consumer complaint received 2017-02-09
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: EZCORP, INC. (WI)

I was charged {$89.00} over the actual first month payment I agreed to which was no more than {$38.00} in month of XXXX for loan amount {$320.00}. The payment was a total no more than {$120.00} for the third month and beyond month. I went to my personal bank and stopped payment on the amount taken out of my checking account XXXX/XXXX/2017. I was n't aware until XXXX/XXXX/2017 when I attempted to withdraw money to pay the rent. On XXXX/XXXX/2017 at XXXX XXXX I was contacted and was told to agree by XXXX XXXX this day to pay an amount of no more than {$110.00} dollars. The morning of XXXX/XXXX/2017, the company 's representative did not have my file ready and asked for the last XXXX numbers of my social security number. I find that suspicious by reason of the person asked my name first, before I gave my last XXXX digits stated they could not find my file right away after transferred to different department. I added that because if that company were professional, they should be organized in business and legality. The person admitted someone referred to as a sales department had, " messed my loan agreement up, but there was nothing to be done about that '' The representative stated that I said I got paid biweekly XXXX and XXXX, before that statement clearly stated by them that I said I specified monthly. I had to state that I said monthly the XXXX and the XXXX, in fear of the company reentering the facts before myself proof that I was schemed. The loan company came with the lower amount of no more than {$110.00} or I would be reported to their collections department. It 's XXXX XXXX right now and they are expecting a call by XXXX XXXX The person that primarily forwarded the loan asked for my debit pin. The second amount payment would have been no more than {$76.00}. I 've changed my pin since for financial security, plus they added charges of wiring fee of {$20.00} printed in the letter. I think the company got angry with me possibly because they tried to take another amount out illegally after the first time using my old pin.
Consumer complaint received 2021-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (FL)

My son purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the amount of {$890.00} plus {$5.00} of Application for a total of {$900.00} in the month of XXXX. I made a payment in XX/XX/XXXX made payment of {$110.00} and in XX/XX/XXXX made payment of {$110.00} and I disputed because I didnt know about the equipment. So the Credit company gave me a credit. I started paying in XX/XX/XXXX made payment of {$110.00}. In XXXX I made a payment on XX/XX/XXXX of XXXX in XX/XX/XXXX made payment of XXXX and in XX/XX/XXXX made payment of XXXX. In XX/XX/XXXX made payment of {$110.00}. XX/XX/XXXX made payment of {$110.00} XX/XX/XXXX made payment of {$110.00} and in XX/XX/XXXX made payment of {$110.00}. Start to count payments from XXXX to XXXX. There is a total of 8 payments. In XXXX XXXX requested an extra payment for {$110.00} and then I disputed that charge I requested all the Shop your way credit card statements to prove to XXXX  that I had made all payments. Once received statements of Sears credit card send them to XXXX  and they apologize for the mistake and sent me the invoice of equipment paid in Full. I have explained that to Sears Credit card management I sent via Fax two times the invoice paid in full first on XX/XX/2021 and the second time XX/XX/2021 and from that last {$110.00} payment request by mistake by XXXX  the Sears company bill has gone up on interest fee and late fees plus the {$110.00} that Sears credit card keeps requesting payment. I would like your assistance in this matter please. Thank you for your attention.
Consumer complaint received 2016-09-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (NJ)

Equifax : ( While trying to make an inquiry ) With every choice of a menu item, they seem to add a delay ; so, it takes a lot of time to correct a false credit report item. Also, in the middle of my effort ( after a large investment in time ), the process was ended by Eqifax with a message : " SYSTEM CURRENTLY UNAVAILABLE '' We are unable to process your request '' " Please try again later ... '' and they suggest going to their email inquiry process. ( and starting over ). 
This is n't the first time they used this tactic. It worked on me the first time ; but, I 've resolved to complete it. 
Also, although I 'm going to see if there 's a specific page within your site where I should report this, I was surprised to see an inquiry from Vivint on my credit report. I did not knowingly authorize this. It 's a concern since my score has decreased by XXXX % in 6 weeks. I 've authorized XXXX or XXXX inquiries and would n't have expected this. There have been no other net changes to other credit report items.
Consumer complaint received 2018-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (AL)

Please reference CFPB complaint # XXXX about XXXX XXXX XXXX. 
Although this complaint was closed on XX/XX/XXXX after providing information to the CFPB that all information was reporting correctly : the bankruptcy discharged in XX/XX/XXXX is still being reported to financial institutions and although ALL accounts were paid off in XX/XX/XXXX, this is not being reflected in information provided to financial institutions. 

Because of XXXX XXXX failure to correct the information ( remove the bankruptcy and show all accounts as paid ), Chase Bank USA declined my request for a credit card and today I received written information that the denial was based on information solely from XXXX   regarding a bankruptcy and high account balances. The reference number is XXXX and the date of the denial explanation is XX/XX/XXXX. 

Also, on XX/XX/XXXX, XXXX XXXX XXXX XXXX continues to report that XXXX is providing information on the bankruptcy and high balances on my accounts. 

There is therefore a damaging discrepancy between information that XXXX provides to the CFPB and to the consumer and their failure to provide correct and timely information to the financial entities requesting information.
Consumer complaint received 2017-01-18
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (CA)

PayPal continues the practice of 'defaulting ' to their in house credit card as a form of making online payments. Several times I have found that I thought I was making an online purchase with either my personal bank account and or my PayPal account balance only to find weeks later that the payment was made with the PayPal credit card and they contact me to let me know my credit card payment is late and they are adding late fees. This a very clever but unethical practice and it needs to be addressed, as I am certain I am not the only person who has fallen victim to their trickery
Consumer complaint received 2019-02-16
Product: Credit card or prepaid card — Payroll card
Issue: Advertising — Confusing or misleading advertising about the card
Company: ADP, LLC (OH)

Since XX/XX/2019 I have been going back and forth with the credit card company ( global cash card ) because I called them and I told them I wanted to get my tax refunds loaded to my card I already filed and I had put that information down on my taxes. well they tell me that I have to send them a copy of my ID ( drivers license and my social security card so I do that and then I called back the following day because they told me it only takes 24 hours and now they are telling me that they're denying my case because my ID has my married name and my social security card my has my maiden name. well on XX/XX/XXXX I had went to Social Security office and got my name legally changed and I had to wait for it in the mail an when I was on the phone with them i told them it could take up to 2 weeks before I can give you my updated social security card because i was waiting for it to come in the mail. Now i recieved my card 3 days ago and i called them when i recieved it an they made me send them a pic of my new card with the updated info on it plus the paper from ss stating i did change my name. Now when i call to get a update they tell me i have to resend my information again ive sent them my info at least 10 plus times an they wont fix my account to where my refund can be direct deposited. An when i call now they say nothings been updated an hang up on me everytime now. Im scared i wont get my refund because they keep ignoring me an wont fix my account.
Consumer complaint received 2016-09-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I sent them a police report case # XXXX confirming ID theft that has continued from XXXX ID theft ( or a new case of ID theft ). With items that did not belong to me. They did remove some items, but have not removed all items. I also sent them copy of bankruptcy papers from XXXX County courthouse advising the XXXX bankruptcy was dismissed at the fault of attorney ( and the judge noted in documentation i sent to them advising the attorney was at fault why bankruptcy case # XXXX was dismissed. The XXXX bankruptcy case # XXXX that showed filed by me XXXX/XXXX/XXXX ( WAS NOT FILED BY ME ) and in fact by the attorney ( I NEVER CONSENTED TO THE XXXX CASE FILED ). PLUS I SENT THEM COPY OF BANKRUPTCY FILE THAT STATES THE JUDGE ADVISED AND SCOLDED ATTORNEY FOR FILING A XXXX BANKRUPTCY WITHIN 180 DAYS ( WHICH BROKE BANKRUPTCY LAWS AND RULES OF THE 180DAY RULE FOR FILING BANKRUPTCY IN FLORIDA ) THE BANKRUPTCY PAPERWORK FURTHER STATED THAT THE JUDGE SUBJECTED THE ATTORNEY TO A " SHOW CAUSE HEARING '' IN REGARDS TO THE CASE IN WHY HE SHOULD NOT IMPOSE FINES AND/OR INCLUDING REVOKING ATTORNEY 'S LICENSE WHICH PROVED I NEVER CONSENTED TO XXXX BANKRUPTCY AND THAT SHOULD HAVE BEEN EASY TO VERIFY GOING ALSO ALONG WITH BANKRUPTCY LAWS FOR FLORIDA STATING THAT A XXXX BANKRUPTCY CANT BE FILED WITHIN 180DAYS FROM ONE ANOTHER. EQUIFAX ACTUALLY REMOVED THE XXXX BANKRUPTCY AND FOR SOME REASON ADDED IT BACK FEW MONTHS LATER WITH NO EXPLANATION AS TO WHY, NEITHER OF THEM SHOULD NOT BE ON MY CREDIT REPORT. I ALSO SENT NOTORIZED LETTER IN XX/XX/XXXX IN WHICH I ASKED UNDER FRCA SECTION 609 FOR THEM TO PROVIDE ME AN ORIGINAL CONTRACTS BEARING MY SIGNATURE OR DELETE AND THEY REFUSED TO DO SO. WHEN YOU CALL YOU SPEAK WITH SOMEONE IN XXXX WHO TRANSFERS YOU ALL OVER THE PLACE OR EITHER DISCONNECTS THE CALL.
Consumer complaint received 2016-09-07
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: FORD MOTOR CREDIT CO. (IL)

I purchased XXXX vehicles ( XXXX used, XXXX new ) from XXXX XXXX XXXX dealership in XXXX XXXX, IL ( now closed ). I financed both loans via FORD ( MOTOR ) CREDIT. I believe I was charged a higher interest rate because I am female and XXXX. I understand I may be due a refund of the excess interest. XXXX accounts are paid. 
Please advise what I must do to request a refund?
Consumer complaint received 2016-10-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC (OR)

I have previously submitted a complaint about Stearns taking principal payments, and applying them to monthly payments ( interest, escrow ). When I have asked to have them reversed ( i.e. have the money put directly to principal as I had originally instructed ), I then got a letter saying I was delinquent in payments ( as my autodraft payment was pushed back when they got my check for extra principal ). I got a response from Stearns via CFPB saying that everything was fine, I was not delinquent and I had not been reported to a credit agency. I sent another check to go to principal in XXXX, and the same thing happened- it was partially applied to a monthly payment. I called to ask them to apply it all to principal. I had to speak to a supervisor to assure that my autodraft was not messed up and that I would not again be accused of being delinquent. When I said this has happened multiple times and how do I assure payments go only to principal, I was told their payment address is a " lock box '' and it is automated, and it does n't matter what you write on it, that it is going to take it as a payment. I was given an alternate address to send principal only payments to. My question is why is this not stated in their payment instructions? Why was I not told this during my numerous conversations with Stearns before?
Consumer complaint received 2016-04-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (PA)

My loan servicer was transferred from XXXX XXXX to PNC Mortgage. 
With XXXX I was able to make month-to-month payments online using my checking account. PNC provides that option but with a {$7.00} service fee. They do n't charge the same fee to pay online if I set it up to withdraw from the account on a scheduled day every month, even though it would come from the same account. 
My thoughts is that this " automatic '' payment deters people from applying extra principal on months they have it available to them, adding an extra step of inconvenience to the customer to make small additional principal payments over time. A few dollars extra here and there can reduce my mortgage interest amount significantly over time. 
However small the amount, PNC is capitalizing on human nature to not send extra payments by making it more inconvenient to decide each month what amount to pay, and making up for those that try to go this route by charging {$7.00} per transaction. There is absolutely no reason they could not except month-to-month bank transfers from a FDIC bank without charging fees. Especially when they allow the same transfers fee-free as long as they are " scheduled '' through their " Electronic Funds Transfer '' process.
Consumer complaint received 2016-05-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (CA)

PNC Mortgage made a double payment out of my escrow on XX/XX/XXXX and XX/XX/XXXX to pay for my homeowners insurance causing my escrow to go into the negative. XXXX XXXX only has a record of 1 payment posting on XX/XX/XXXX. I am now missing {$1000.00} from my escrow due to this double payment. I have notified them via their Secure Message site on XXXX and on XXXX submitted a Notice of Error on their Secure Message site by which they must respond timely as required by RESPA. As of the evening of XX/XX/XXXX, I have still received NO response from this mortgage company.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

While I could afford the standard payment schedules set with all my student loans, I decided to change as many of my loan payments plans to income-based plans. With this change, I could pay the same total monthly amount over all loans, but all allocate a greater percentage towards the principal of those with higher interest rates. When all loans are fully repaid, the total amount of all interest paid would be reduced. 

I found that some loan servicers did offered income-based alternatives and successfully restructured those with lower monthly payments. However, I believed some did not offer income-based plans since I could not find information available on their websites, including Navient. Recent articles and discussions suggest that Navient was required to have income-based alternatives available. If this is true, then I am one of those misled by Navient.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MI)

My loan is with Navient ( XXXX ) My first complaint is that when my daughter was in the military and the military was going to pay off her student loans my daughter and I asked Navient to release my name from the loan so it could be paid off Navient refused. Therefore the military could not pay it off. 
My 2nd complaint is that I 'm a public school employee so I contacted Navient about getting on the loan forgiveness program and Navient said I would have to pay more on my monthly payments to be in the program but financially I could not afford to do so. 
Lastly when I was forbearance I was charged interest. 
The payment plan I 'm on will result in me paying approximately 51 thousand dollars by the time I 'm done which is almost twice as much as what my original loan was.
Consumer complaint received 2018-05-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Optio Solutions, LLC (PA)

This is a 3rd party debt collector, attempting to collect off a discharged, or closed account ... the original Creditor, was XXXX XXXX, when fraudulently opened in XX/XX/XXXX, in XX/XX/XXXX I sent a letter and repeated calls to XXXX that this account was not opened by myself, they closed it in XX/XX/XXXX, XXXX XXXX bank then attempted to add fees on a closed account, originally a XXXX dollar line of credit ... in the excess of XXXX dollars, so far. in XX/XX/XXXX I filed in court and notified them of a court date, they did not appear ... debt was removed, and XXXX XXXX removed it from my credit reporting file, on XX/XX/XXXX I received a letter form the Collection company XXXX, and repeated phone calls of harassment, on my JOb phone number, I am fed up of this, I am also enclosing the cease and desist letter I sent them ..thank you
Consumer complaint received 2015-05-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NJ)

Today at approximately XXXX i called Green Tree to schedule a payment for my mortgage. At such time i spoke to XXXX my account rep. I explained that i was going to be about 34 days late on my mortgage that i will pay it on XXXX/XXXX/15 for the XXXX, 2015 payment. I have done this on XXXX other occasion in the last few months. During the conversation she sees my payment history usually late but like i said only once pass 30 days and i catch up. She tells me to hold on and transferred me to a XXXX or XXXX i could not hear very well. The conversation becomes aggressive immediately demanding that i come up with the money before XXXX XXXX. His tone out of control. I said excuse me did n't your company just settle a suit with such tone, harassment against your clients? He says I 'm not harassing you. I said well guess what are you going to accept my payment for the month of XXXX now for XXXX XXXX? He said no only if you pay XXXX months XXXX and XXXX. I said look i will pay XXXX on XXXX XXXX. XXXX looks as if it will be past due about 35 days. In XXXX i get paid XXXX times that month i should be able not to fall 35 days behind. His tone becomes high demanding again and now even more uncontrollable. Telling me, i just pay rent since i can not keep up with my payments. I told him that i hope this is being recorded bc he is out of control also mentioning that I 'm protected from when i filled for bankruptcy a few years ago that i paid XXXX for this house owe XXXX now and that I have read the contract that i signed under the modification prior to my bankruptcy with them. He keeps on with his tone and anger disrespecting me demanding. That i must pay. I then identify my self as a XXXX and that i do not like his tone. He goes on demanding the payment before XXXX 2015 he adds by saying " pay out or leave your paying rent ''. I said wow i cant believe i hope this is all recorded and before i loose my cool i decided to hang up.