davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (AL)

To Whom It May Concern, I am a co-signer on my son, XXXX XXXX XXXX loans. I became XXXX XX/XX/2010. I spoke with them about taking me off the loan because I had no ability to pay this loan. This began an avalanche of threatening phone calls. I ca n't help my XXXX or my lack of income. You can not work with these people. My son and I spoke with a gentleman at Navient/XXXX about making 12 consecutive payments to have me removed as co-signer. My son set up pre-arranged schedule autodraft payments to satisfy the requirement for taking me off as a cosigner. My son made each and every payment as scheduled by Navient/XXXX. When the 12th payment was complete, we called to have me removed. Each person that we spoke with did not have any record of the arrangement and stated one of the payments was late even though it was scheduled by them to be autodrafted out of my son 's account. 

In addition, I asked for a copy of the individual loans complete with signatures and got some documents but none were signed. I again requested the documents and was told they were not available and even if they were available, that I could not have access to them. 

Some time later XXXX had an agreement with them to make payments at a specific interest rate ( 3 % ). After paying as agreed for a year I received a phone call threatening default. I asked if XXXX had made payments as agreed and why he was behind when they had processed the payments per the agreement. They had no response but that he was behind and if additional payment was not made it would begin legal proceedings. 

The most frustrating part of it all was the lack of communication and the lack of records kept from previous interactions with XXXX/Navient. Each person we would speak to would have record of any of the previous calls/interactions with their company and we would get transferred to multiple departments. The whole time I felt like I was receiving the run around. My son and I tried to continually make arrangements with the company but they had no records of previous communication. We asked for records but they refused to give us anything. We finally gave up and hired a lawyer. Awaiting default/collection notice as the loans defaulted XX/XX/XXXX or XX/XX/XXXX and still not communication.
Consumer complaint received 2022-12-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (GA)

XXXX XXXX XXXX turned of their DSL service to my residence in XXXX of 2021 but continued to bill me for the service even though they made the switch for my service to be provided through XXXX. I have written letters to XXXX XXXX XXXX and their endless collection agencies to no avail. They are harassing me for payment of services they no longer provide, along with late fees. This latest attempt comes from a forth collection agency and if the harassment continues I will look into what legal actions are available to me to sue for harassment. I have made it clear I am more than willing to meet them in court with all the documentation to support my argument showing that XXXX XXXX XXXX shut down their DSL service and forced me to go elsewhere for my internet service but they continued to bill me for the service they were no longer providing.
Consumer complaint received 2016-05-17
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION (GA)

I applied for a line of credit with BB & T in XXXX. I was denied for the line of credit and XXXX of the reasons was excessive obligations in relation to income. This makes no sense considering the only considerable debt I have is student loans. My debt to income ratio is approximately less than 9 %. My student loan payments are {$400.00} and my gross income is about {$5000.00} a month. The rep told me the threshold for DTI ( debt to income ratio ) was 36 %. I had ample room to make a payments so I believe there should have been a counter offer not a denial. I have no other debt besides student loans. I also have been approved for another line of credit recently. No bank should be denying consumer 's credit because of student loans when the payment is less than 9 % of the person 's income. Excessive obligations in relation to income should not be reason for a denial but should have been the reason for a counter offer the underwriter determined was appropriate for my financial status. 
According to the Community Reinvestment Act the bank is to meet the credit needs of the local community. I am certain that majority of the community has a negative net worth because of student loans. By denying the application completely as oppose to countering the bank is certainly not adhering to the community reinvestment act.
Consumer complaint received 2017-05-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc. (KS)

Recently, I discovered that a collection agency named ProCollect had reported a collection balance on my credit report. Prior to the account appearing on my credit report, I never received a notice of my right to dispute. I contacted the company to file a complaint about not receiving a notice of my right to dispute prior to the account appearing on my credit file, but they did not remove the account from my report. This is a violation of the Fair Debt Collection Practices Act.     Additionally, I requested that Pro Collect verify the debt they were trying to collect by sending me a copy of the original signed lease as well as a detailed monthly pay history on this account, which clearly demonstrated where this supposed debt originated. The did send a copy of the lease, but they have not sent me a detailed explanation of how the {$1500.00} debt they are trying to collect was calculated. That is also a violation of the Fair Debt Collection Practices Act.     And finally, I also reached out to ProCollect about setting up payment arrangements should this debt ever be verified as legitimate. Their representatives informed me that they would not accept payments from me.  Reporting  a debt on one 's report, and refusing to accept payments towards the resolution of the debt is also a violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2016-08-17
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: Paypal Holdings, Inc (CA)

I have had a PayPal account for years, as well as their PayPal Prepaid debit card, also for years, both in good standing. 

Yet, since last Thursday, I have not been able to load my card with money from my PayPal account, even though there is plenty of money in the account, and the card is in working order, by PayPal 's own admission. 

I have called them at least 10 times since last Thursday. Sometimes they tell me it 's a system issue they are trying to resolve ; other times they say it 's website maintenance, other times they simply tell me to keep trying, that they have noted my problem and will fix it. 

But NOTHING has been done. 

I need this issue FIXED ASAP, as that card is my ONLY way of making purchases in-person at the market, and the drugstore, etc. It 's my ONLY way of accessing my funds from my PayPal account. 

Every time I speak to a rep ( in XXXX ), they put me through a whole circus of hoops to jump through, only to tell me the same excuses I listed above. 

HELP! 

I do not work for a living anymore, as I 'm an XXXX patient and am nearly homebound. That card is my only way of making purchases, such as for medicine. 

HELP!
Consumer complaint received 2016-07-26
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: COMMERCE BANK (KS)

I paid off my car loan five months ago. I have asked 3 times for a lien release. I traded my car to a local dealer who is threatening to repossess my new car because i can not provide them a copy of the title or a lien release on my old car. Each time i call Commerce Bank they tell me that they will process my request and mail it out to me. I called them again today and told them that i need this done today. They refused to accommodate my request and said it would take XXXX to 10 more business days to process the lien release.
Consumer complaint received 2016-03-08
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: FORD MOTOR CREDIT CO. (TX)

I went to a dealership in XXXX Texas and bought a new F 250 I was approved for Ford Motor Credit if 5.45 interest rate after I signed legal documents and I left the finance manager printed out new copies and send them to Ford Motor Credit with my signature that she forged@5.99. this all took place on XXXX XXXX of 2015 the dealer admitted to fault my first payment was due on XXXX XXXX I file a complaint with Ford Motor Credit on XXXX XXXX of 2015 I was told that it would not go on my credit as long as the company was at fault the company was at fault speaking about the dealer. I file a complaint with Ford Motor Credit fraud department and was told that it would not hit my credit and it did it took over XXXX points off of my XXXX XXXX off of XXXX because they had reported it as 60 days late in the state of Texas my up. ed that if the contract they had was fraud then the contract was invalid I did not have to make a payment all of this has come out to be true the Ford Motor Credit did removing off of my credit but they have not gotten in touch with the bureaus to get my score back up. I have filed it on the XXXX & with the DMV of the state of Texas to investigate the dealer for the fraudulent ways. there is an ongoing police investigation with XXXX XXXX Police Department CID. I feel that the dealer has done this to other people and the bank is not doing anything about this.
Consumer complaint received 2016-10-05
Product: Consumer Loan — Title loan
Issue: Can't contact lender — 
Company: U.S. BANCORP (NC)

On XXXX XXXX XXXX entered into a loan agreement with US BANK for a XXXX XXXX XXXX XXXX. The boat had a manufacture defect in the floor and the company replaced it with a brand new ( XXXX ) boat in XXXX XXXX. The dealer contacted US bank with new XXXX and title. We paid off the boat and sold it to a new owner in XXXX of XXXX. When US bank sent the title it was for the XXXX boat and not the XXXX boat. Spoke with US Bank on XXXX/XXXX/XXXX and XXXX unable to locate any information on XXXX boat. Contacted dealer and was able to get a new XXXX and title for us. On XXXX/XXXX/XXXX received a lean release agreement for the XXXX boat, not the XXXX boat. XXXX XXXX new owner of XXXX boat attempted to registered with North Carolina XXXX. NC XXXX would not allow the new owner to registered the boat because stated that US bank still had a lean on the boat, even though new owner had title of boat. Contacted US bank on XXXX explain above situation. Again was told had no records of a lean for a XXXX boat in our name. Requested some type of documentation that a loan did not exist. Again received a lean release agreement for the XXXX boat. Spoke with US Bank on XXXX, XXXX. XXXX, and XXXX. Having to explain the whole situation every-time. At each occurrence I was promised a supervisor would call me back. I never out of 4 different promises received a call back from a supervisor. I still have not received any documentation that I can provide to the NC XXXX that a lean does not exist on the boat. The new owner is very upset that he can not register and thereby can not use a boat that he has a title to. I need US Bank to provide documentation that they have no records of Lean for a XXXX XXXX boat with that hull ID number. I also do not understand how a company can not follow through on it promises and poor customer service.
Consumer complaint received 2016-10-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (NH)

A wrong name and address is listed on the credit report under my personal information. 
The following personal information is not me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX
Consumer complaint received 2015-10-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (GA)

I had a business account with PNC Bank, It was unlimited free balance with a condition that they mail me my statements. Last year, they stopped mailing my statements and began to charge me a fee ( approximately {$4.00} a month ) on my account. I was in XXXX XXXX, XXXX and spoke with the manager. He restored the fees and resumed the mailings of my statement. Earlier this year, they stopped sending me my statements thru the mail and in XXXX they started charging me a fee of {$17.00} per month. Since I was out of town, I did n't notice this till XX/XX/XXXX. I went and spoke with the manager of the XXXX, XXXX branch and she told me that she was going to try to get my money back. A couple of days later, she told me that she could n't get my money back but was going to talk to her Supervisor about my situation and that person would call me in a couple of days. I never received the call and returned to her branch. That 's when she told me that she could not return my funds, so I closed my account.
Consumer complaint received 2016-07-08
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: PNC Bank N.A. (MO)

In early XXXX, 2016, my husband and I met with a XXXX, a broker at a PNC bank branch to go over our finances and get advice as we wanted to apply for a loan to make some repairs to our home. We went over some options, discussed our credit with her, and she went over some different rates with us for a secured and unsecured loan. After doing that, she advised us that we would be in a better position if we cleared up our delinquent accounts on our credit history, and the best way to do that would be to take out a loan against my XXXX and then wait approximately 30 days for the credit to update and return to apply for the loan. I in turn took out that loan, paid off the debt, and we waited approximately 30 days before coming back to PNC to initiate the loan application. We applied for the HELOC on XXXX XXXX, 2016 with XXXX. We went over the approximate value of our home, how much equity we thought we had in it, and determined that we had more than enough to apply for a {$25000.00} loan. We spent the better part of the morning with her, provided all the documentation she asked for, but when we left the bank that morning, she did not provide us with anything other than her contact information. Federal law states that the bank is to provide us with a booklet providing information about using the equity in our home and also, within 72 hours, they are required to give us a disclosure noting the amount of the loan and the approximate costs involved in getting a home equity loan. We did not receive any phone calls from her. We did receive a generic email from the bank simply stating that the bank received our application and if they needed further information they would contact us. It was signed by no one. The second day, I got the same thing. After that, I called XXXX, who informed me that the loan was rejected but, without our knowledge, she was writing an " appeal '' and she would let us know what happened with that. This was extremely upsetting to both my husband and myself, who took her advice and took out a loan against my XXXX to clean up our credit to be in a better position with the bank, and the bank still denied our application. XXXX informed us that the bank denied the appeal. So now here we sit with no loan, and no way to make the improvements we need to our home.
Consumer complaint received 2015-04-15
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Continental Services Group, Inc. d/b/a ConServe (FL)

Please help me as I have tried numerous to ask for verification as when I went to school I had financial aid that paid XXXX %, now I am being harassed. I do not feel I owe this debt and think I am being taken advantage of and this company still will not send me detailed list of charges, what has been paid by the financial aid. I was told when I applied and got accepted Financial aid would pay everything.
Consumer complaint received 2017-02-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (VA)

Consumer Financial Protection Bureau, I am very excited to have found you and know that you will be able to help my situation. 

Right now, my husband and I are closing on our house on XX/XX/XXXX ( 14 days from now ). When we obtained an updated copy of my credit report, I noticed that there are 90 day late payments on my XXXX student loans that are being serviced by XXXX. Acct # XXXX. 

Additionally, they are reporting an " Account Status '' as " Currently 90 days late ''. 

Attached is a faxed document from XXXX showing clearly that my account is current and NOT 90 days late. 

My experience in legal matters is extensive in knowledge of the Fair Credit Reporting Act. The Act specifies prohibited practices in the payment reporting guidelines. There can not be a 90 day late payment unless there is also a corresponding 60 day late payment and a 30 day late payment ( credit report attached to this investigation request ). 

I request that Equifax remove the illegal 90 day late payment history for XX/XX/2017 for all XXXX of the XXXX accounts # XXXX. 

Thank you VERY much.
Consumer complaint received 2017-02-16
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc (NJ)

As a Venmo account holder since XXXX/XXXX/XXXX, I have never encountered any issues with the web based app my friends and I use more than often and never imagined to find myself dealing with the following following ridiculous issue. On XXXX XXXX, XXXX a friend initiated the transfer of {$40.00} via Venmo and her account was immediately debited. Shortly after, we were notified the transaction was flagged and pending review by the companies compliance team due to the sender 's commentary. Please note, Venmo requires a " comment '' ( ie any keyboard stroke ) in order to complete the transaction which a majority of the time are witty/silly/nonsensical jokes shared between my friends and I. In this particular case the joke in the comment section, which again is mandated, was " XXXX is in XXXX ''. The originator then received a subsequent request for further explanation which stated " To speed up our review, please explain what you intended to pay for and describe the establishment, individual or location you referred to in your note, as applicable. '' The sender responded accordingly and explained, however the funds remained in limbo. In an effort to resolve the matter, I reached out to their customer service and requested that per our clean transaction histories, banking info/locations and IP addresses they could easily clear up the matter, however the transaction was to be canceled and funds be immediately returned to the sender 's account to which they responded with OFAC regulations. I was later contacted AGAIN with a request for a receipt as proof of purchase. 
As an employee of a highly regulated financial institution, I am regularly trained on OFAC regulations as well as restrictions on sanctioned/high risk countries etc., however with that said, I feel there is a HUGE difference between the arbitrary reference of a single word ( which is in fact just the name of a country that actually exists ) warrants this level of scrutiny/privacy infringement. The only country I have ever had any affiliation to and/or transaction with is my own, the United States and I refuse to support how far this has gone.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (AL)

I have a loan through naviet. I have been attempting to get my payments lowered for years and the lowest they would go was {$300.00} a month. I just could n't afford that so I finally went into default. They also reported to credit bureaus a few payments I NEVER MADE!! It only happened when the loan was getting close to falling off my credit report. Therefore restarting the 7 years. The interest has more than doubled in this loan. I have called numerous times, they act like there is no other option than to pay a lump sum payment. This has ruined my credit. I have also filled disputes with the credit bureaus about naviet reporting inaccurate information. Nothing has helped so far.
Consumer complaint received 2016-04-04
Product: Credit card — 
Issue: Delinquent account — 
Company: Kohn Law Firm S.C. (WI)

I am XXXX on XXXX and unable to make payments at this time. Kohn Law Firm has taken me to court on behalf of XXXX Bank for the balance. They call and send me mail daily threatening garnishment, lein on my property, going after my ex and further action. XXXX is also suing me for the same on a XXXX XXXX account.
Consumer complaint received 2017-01-19
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (CA)

I applied for a home equity line of credit with a local bank. As part of the normal application process, the bank obtained my credit report. The next day I started being bombarded by phone calls and emails from other lenders, who already knew that I was attempting a mortgage transaction. One of them let slip that they got this information from Experian. Essentially, Experian sold not only my personal info, but specific details of my financial activity, in real time, to other lenders ( competitors, in fact, to the bank that paid Experian for my credit history ). This is not simply a " pre-approval opt-out '' issue, this is a violation of privacy.
Consumer complaint received 2017-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CarMax, Inc. (GA)

I am writing to dispute the following information in my file. I recently received a copy of my credit reports  (  XXXX ,  XXXX , and  XXXX  ).  The credit report showed credit inquiries that I dont recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file with all  XXXX  credit bureau agencies because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B.  Insurance C. Employment D. Court Order  Please remove these inquiries from my credit reports immediately.
Consumer complaint received 2016-11-03
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CASHCALL, INC. (CA)

Was going through a divorce in XX/XX/2012 and desperately needed cash to secure an attorney for custody of my daughter to prevent my wife from obtaining 100 % custody for no justified reason. Took a {$10000.00} loan from cash call and am paying over {$800.00} per month and balance is still reflecting close to {$1100.00} after paing ontime for over 2 years.