davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-13
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC (TX)

In XX/XX/2016 I was granted a XXXX Veteran Property Tax Exemption by the State of Texas, that was backdated to take effect XX/XX/2016. At that point, every month, my property taxes were being drafted with my mortgage & insurance. As soon as the XXXX exemption was approved I started going through the process of refunding all property taxes that had been paid for the year XX/XX/2016 and to have them stop escrow payments going forward for future property taxes, as I am exempt. At some point in XX/XX/XXXX, I was told I would need to call back in XX/XX/XXXX to check on the status. In XX/XX/XXXX I was told they had no information and I would need to re submit all the documentation again an start over. I have been calling them every other week to check on the status of my refund and cancellation of further tax escrow. They have told me I need to call because they are unable and not allowed to contact me, unless I owe them money. Today, the again acknowledged that I do not have to pay property taxes, and that they owe me a nearly {$8000.00} refund. But they have no answers for me on when and how that will happen. They again tell me that they will stop the monthly draft for tax escrow payments, but this has been ongoing for 6 months now, and they are still taking money for property taxes that I do not have to pay. I am told every time I call that they are going to notate the information, pass it up the chain, and make sure it is taken are of. Every time I call they say the same thing. I ask them to call me to keep me updated and they tell me they do not contact customers. Then, like clockwork, I receive my monthly mortgage statement that includes a property tax escrow payment.
Consumer complaint received 2016-02-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TRANSWORLD SYSTEMS INC (CA)

I have contacted TransWorld Systems, 5 times to date via certified mail, they are reporting an unknown account on my credit as it relates to XXXX- I have never had service with XXXX. 

My concern, is that I was never initially contacted about the debt before it was placed on my credit and I have not been contacted after reaching out to them 5 times!!!
Consumer complaint received 2018-05-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (TX)

I contacted XXXX multiple times to try and get my SCRA benefits put in place. I even emailed them a document of my military XXXX orders to their SCRA department. The dates of these emails were XX/XX/2017. A few weeks later my account was closed and sold to a collection agency 2 weeks later as reported by my monthly credit report. I did not receive any emails back from there customer service after XX/XX/2017.
Consumer complaint received 2016-01-21
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (PA)

I made the mistake of pre scheduling a bill to be paid of XXXX to XXXX XXXX via on line pay through my virtual wallet months ago. I scheduled this bill to be paid when I was still a customer of XXXX. I paid this bill when I no longer had the service and had been a customer of XXXX for months. This payment of XXXX caused me to go into overdraft ; I was then charged XXXX payments totally XXXX. XXXX XXXX charge was for a payment made to XXXX for XXXX. I had enough to cover this bill, but did not have enough to cover my car insurance. Both would have been covered without penalty if I had not made the mistake of paying XXXX XXXX. 
{$70.00} is A lot to my family and I. We can not afford XXXX. My income is beyond tight. I am begging PNC to please review my account, acknowledge I am not XXXX to go into overdraft, and if not for the mistake of paying XXXX to XXXX, I would not have going into overdraft. I spoke with a CSR and she stated she was unable to reverse the overdraft fee because XXXX was forgiven in the past. Again, I ask that you review my account and acknowledge that I have been beyond attentive, and avoided over drafts. Due to this XXXX mistake of a pre scheduled bill payment for a service I no longer have, I am now forced to pay XXXX which is food for my family and I. XXXX XXXX stated they are refunding the sum of XXXX via pre paid card.
Consumer complaint received 2018-05-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (MO)

I disputed with the company on XX/XX/XXXX I show that the company received my disputes on XX/XX/XXXX. According to certified mail notifications. I submitted an additional dispute on XX/XX/XXXX and show that it was received on XX/XX/XXXX. it is now XX/XX/XXXX and have still not heard back from the company from my request. The FCRA gives the company 30 days to respond with info requested and I have not gotten the info i requested or response about when I will
Consumer complaint received 2016-03-02
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (MI)

PNC bank debited my home equity account and did not pay off the other loan. 
It 's been a month now and I am stuck paying interest on XXXX {$25000.00} Home equity loans. 
They still have not paid the XXXX the amount they stated they would pay in XXXX this year. They insisted they paid but would not provide me with a receipt of payment. There are emails where I asked for proof of payment and did not ever receive a reply. Also recorded phone call by PNC bank. 
They also refuse to credit me for the months worth of interest I paid last month.
Consumer complaint received 2016-12-06
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (PA)

I have had trouble with depositing cash at PNC bank 's atms. 
I have a case number for reporting this on XXXX XXXX, and XXXX, 2016. 
case number is XXXX. 
I deposited {$25.00} on XXXX XXXX at XXXX XXXX and tried to deposit more, it kept spitting out the money. Today they gave me XXXX overdraft fees of {$36.00} each. When I just spoke to them, even if it would have taken all the cash, now their committing fraud again ( I was already in a class action law suit against them for accepting checks before deposits ). Now their trying to tell me that depositing the {$25.00} went after they let checks come through. 
I have the receipt to prove the balance at the time of the deposit. This is why there was a class action law suit against them. Their trying to tell me that after XXXX all cash deposits through the atms are for the next business day. I was told that all deposits are put in the account immediately. Not only did they not put the deposit in immediately, but they put the incoming checks in before the deposit. There is a law that they should follow, that the deposits coming in that business day go into the account before the incoming checks! 
I want the XXXX {$36.00} fees reversed ASAP.
Consumer complaint received 2016-09-12
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION (PA)

BB & T is using 365 days this year to calculate their interest on my HELOC ( interest only ) loan with them. I believe 366 days should be used in the calculation. The use of 365 increases the actual interest rate charged above the actual interest rate agreed to and advertised. I contacted BB & T about this and have not received a response.
Consumer complaint received 2016-09-02
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION (FL)

I transferred {$2000.00} to my HSA account on XXXX/XXXX/16. It was removed by BB & T on XXXX/XXXX/16. I went to the bank XXXX/XXXX/16 & was promised that the money would be credited to my checking account. On XXXX/XXXX/16, it was not credited to any account.
Consumer complaint received 2017-02-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: DataMax Corporation (FL)

This. company Interstate Credit Co appears on my credit report for {$770.00}. This debt does not belong to me - I have been XXXX XXXX in XXXX for the past 8 years. I need this removed immediately. This has been illegally reported.
Consumer complaint received 2015-06-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (NV)

Citimortgage and I were working on a loan modification to lower my payments. After sending in everything they requested they kept calling me every XXXX months telling me they needed me to send it in again. After almost XXXX years I told them they have what they need to make a decision and I would not be sending anything else. If they wanted the house I would do a deed in lieu. They told me they did n't want the house and they sold the loan to a collection agency. I had to file bankruptcy and we ran my credit report and found out that Cotimortgage was running a credit check on me approx. every XXXX months lowering my credit score without my permission.
Consumer complaint received 2016-08-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rent Recovery Solutions (GA)

This debt was a result of a dispute between my family and the apartment complex lived in approximately two years ago. Because of the circumstances surrounding the cancellation of the lease the original client request for this case to be closed with the collection agency. The collection agency closed the account at the request of the their client but failed to remove it from my XXXX credit report.
Consumer complaint received 2015-04-22
Product: Money transfers — International money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc (NY)

When paying a XXXX invoice of XXXX, I wanted to determine if I would be charged in USD before I used my XXXX XXXX card, so as to avoid foreign transaction fees. Otherwise, I would use a different credit card that does not charge such fees. I called PayPal on XXXX/XXXX/15 at XXXX Eastern Daylight Time and was repeatedly assured during a 14-minute phone call I would be charged in USD. I transacted the payment at XXXX EDT on that date. I was charged in XXXX, and XXXX XXXX added a foreign transaction fee of {$84.00}. When I called PayPal back on XXXX/XXXX/15 at XXXX EDT, I spoke to supervisor XXXX, who informed me that the only action available is to ask the merchant to refund the money. After disputing the charge with XXXX XXXX ( to no avail because this disputed the charge with the merchant directly, which is not what I need ), I attempted to communicate with PayPal again about this issue. I spoke to another representative who told me he would open an investigation and listen to the phone call in question to confirm that the conversation in question did in fact include the assurance that I would be charged in USD. He told me I would hear back in a couple of days. I never heard back, and a week later called back, and another representative told me again that they would investigate the matter, and that they saw no evidence of such a request on my profile. Again, I never heard back. I called back again on XXXX/XXXX/15 at XXXX EDT, and spoke to another representative for 15 minutes who was rather difficult and rude and stalled my request to speak to a supervisor. After I insisted to speak to a supervisor, I was put on hold for 30 minutes before hanging up and calling back at XXXX EDT, asking to speak to a supervisor immediately. I spoke to supervisor XXXX, who told me she would send a request to an office to have a payment credited to my account to offset the fee of {$84.00}, and to call back to check on the status of the request. I called back the next day, XXXX/XXXX/15 at XXXX EDT, and the response was that I would have to deal with this through XXXX XXXX, since it was a fee charged by XXXX XXXX. Of course, XXXX XXXX is in no way responsible for this issue - PayPal is, because PayPal gave me wrong information that resulted in my being charged the foreign transaction fee. After nearly a month of being forestalled and disrespected by PayPal in this matter, I decided to file a complaint with the Consumer Financial Protection Bureau.
Consumer complaint received 2015-05-06
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (VA)

An erroneous property tax refund check was sent to my Mortgage Servicer ( USBankCorp ) which was subsequently cashed on XXXX by USBankCorp and credited to my Escrow account on XXXX. A letter was sent to USBankCorp requesting repayment to the County of the erroneous refund on XXXX. As of XXXX, the bank has not responded to the request, despite receiving XXXX separate written requests, and has not remitted payment to my County 's tax department. This is the XXXX occasion in which my Mortgage Servicer has not responded in a timely fashion to a request for escrow servicing.
Consumer complaint received 2016-08-28
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: U.S. BANCORP (FL)

Upon my filing for Chapter XXXX bankruptcy, I was informed that the XXXX students loans that I co-signed for my daughter XXXX XXXX XXXX were taken out of deferment, closed then transferred to a collection acct. XXXX is and has been, since original loan was taken out, at least a Part-time student and currently has federal loans that are in deferment and good standing, is currently a XXXX with full deferment qualifications, with no lapses. 
These loans were taken out in XX/XX/XXXX and XX/XX/XXXX and should have reached there Statute of Limitation for reporting. We feel the transfer was performed as to re-start the Statute of Limitation time line. We, Myself and XXXX, have on numerous occasion to try and negotiate with them, stating that we do n't understand why they were taken out of deferment at all. Our Credit has been tainted since this began and has caused, on numerous occasions, denial of credit/home loans.
Consumer complaint received 2016-12-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (TX)

We sold our home in XX/XX/XXXX. Our payment funded immediately and we should have received a refund check for our escrow account in 30 days. 
Myloancare.com claims to have sent an escrow refund check to our address and that it has been cashed. We have not received this check since it was supposed to be sent ( XX/XX/XXXX ). Myloancare.com customer service claims the check has been cashed, but will not provide the proof of the cashed check nor who cashed the check. Also Myloancare.com refuses to re-issue a check or make a claim to their bank account about a wrongly cashed check. We have been waiting for several weeks for proof of cashed check with no response. I called last week and they told me a supervisor would call me within XXXX hours and they have not called.
Consumer complaint received 2022-10-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/2022 I tried to transfer approximately {$350.00} from my PayPal.com account to my bank account. After trying to initiate this transfer multiple times from my account, both on a mobile device as well on a computer, I noticed that I was " unable '' to link my bank account in order to easily transfer my balance out. I had tried to initiate this transfer many times over many months and have always hit the same problems : - bugs where the " transfer to bank '' button does not work / respond - errors when trying to link my bank account This has resulted in my balance sitting in PayPal and unavailable for use for close to 2 years.
Consumer complaint received 2017-02-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Carter-Young, Inc. (GA)

This company is reporting a debt that I do not owe them. I need your assistance in getting this matter resolved once and for all. I do not owe this company any money and I do not have any obligation to this company. I have asked this company to provide me with a detail breakdown of this debt, proof that I am obligated to pay them anything and a copy of my signature. I have not received anything from this company as of date. This company needs to be fine for violation of the FCRA. The account is showing up as Acct # XXXX
Consumer complaint received 2016-11-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (MA)

A few days after we made a first and full payment of a parent plus loan we were notified that we qualified for Total XXXX forgiveness. We immediately called up nelnet and they expclitly told us that even though we just paid it off we would be refunded if we qualified. After a few months we contacted them to check status and found out that we did qualify. However, because the account had been closed they were n't able to systematically do a refund and suggest we contact my XXXX XXXX. My XXXX XXXX tried to help but eventually gave up. Nelnet has yet to follow up with us but basically told us they did n't know what to do. The loan amount was around XXXX and we could really use that money back.
Consumer complaint received 2015-09-25
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (NY)

I mailed payment in time as soon as I got the statement JPM Chase claims to have gotten it 5 days late now there charging XXXX dollars in fees for XXXX dollars and claiming frauadently they got it late.this not fair this is highway robbery.
Consumer complaint received 2016-11-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC (PA)

The agency re-aged a debt of {$640.00} without my permission, showing an opening date of XXXX/XXXX/16. I have not had service with XXXX in the last 4 years.
Consumer complaint received 2016-03-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NJ)

i can a XXXX buerue credit report through XXXX and noticed that XXXX and XXXX accurately reported while experian had somehow merged somonelses info onto my report causing my fico score to drop XXXX points on experian. we are trying to buy a first time home please help. 

XXXX XXXX XXXX
Consumer complaint received 2017-03-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (PA)

There are incorrect names, address and SSN on my credit report. 

Names : XXXX XXXX XXXX SSN : XXXX Address : XXXX XXXX, PA XXXX XXXX XXXX, PA XXXX XXXX XXXX, PA XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2016-12-15
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: KEYCORP (SC)

I HAVE BEEN GETTING XXXX CALLS XXXX DAYS A WEEK FOR OVER XXXX MONTHS FROM KEY BANK. I HAVE NEVER BEEN IN A KEY BANK IN MY LIFE. THEY SENT ME A LETTER OFFERING TO WAIVE MY LATE PAYMENT. I NEVER BORROWED ANYTHING FROM KEY BANK. THE NUMBER THEY CALL FROM XXXX.
Consumer complaint received 2015-04-29
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Big Picture Loans, LLC (CA)

My name is XXXX XXXX and I have a complaint with Castle Pay Day. I received a loan from Castle Pay Day XX/XX/XXXX which stated I was to borrow {$800.00} and a one time finance charge of {$200.00} which I agree to pay which made the loan a total of {$1000.00}. Castle Pay Day sends out text messages XXXX day in advance to my phone before taking money directly out of my checking account. I start making payments XX/XX/XXXX amount of {$200.00}, next payment XXXX XXXX, {$200.00} XX/XX/XXXX in the amount of {$200.00} and XX/XX/XXXX for {$200.00}. Castle Pay Day know says that I still owe them {$1000.00} because I have not been calling them to verify that the money has been collected. Castle Pay Day did not before I receive the loan mention anything such words as to call before making a payment. Castle Pay Day sends out text messages before taking my money ( " to reply or call if you have questions or wish to modify your pmt amt. For Help reply HELP ) ''. And before they take your money Castle Pay Day sends out text message to inform you they have withdrawn money from my account. I have called Castle Pay Day several times ( XXXX ) to resolve the issue. I only want my money that Castle Pay Day took from my account to apply to the loan that was issued to me. Castle Pay Day says that the money that I already gave them was for finance fee, which I was told it would only be a XXXX of {$200.00} for finance fee. I only work part time ( XXXX hours wk ). Please help me solve this matter. I do not want this on my credit report. In the mean time I have block Castle Pay Day fro taking money from my checking account, but I would like to pay the remainder of what I owe Castle pay Day which should be {$200.00}. Thank You Sincerely XXXX XXXX : XXXX : XXXX XXXX XXXX, XXXX, CA. XXXX
Consumer complaint received 2015-10-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (IA)

XXXX XXXX XXXX XXXX is being reported on my XXXX, Equifax , and XXXX credit bureaus as a paid charge off. I paid this account in full. There was no profit loss. They said they would remove it after 60/days and they have n't done that. No offer was made. I agreed to pay full amount upon the removal in all XXXX credit resort which hant been done. I payed this item in full on XXXX.
Consumer complaint received 2017-02-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

They have not removed the illegal inquiries and the illegal account on my credit report. 
The illegal credit inquiries are XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/17, XXXX XXXX XXXX/XXXX/17, XXXX XXXX XXXX/XXXX/17 XXXX XXXX/XXXX/17, XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX/XXXX/17. Additionally, the following credit account was applied for and used without my knowledge or permission. XXXX XXXX
Consumer complaint received 2016-06-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (GA)

A Tax lien was placed on my house, by state of Georgia, in XXXX XXXX. This debt was paid in full, I have attached copy of paid tax lien stamped paid XXXX/XXXX/XXXX. I am requesting this be removed from all XXXX credit report agencies from XXXX, Equifax , and XXXX under the Fair Credit Act. I have no late bill mortgage in good standing with good credit history. If State of Georgia has removed this negative report for others then I have right to have it removed from mine. I have attached a screen shot of my Equifax credit report ran XXXX/XXXX/XXXX showing it is on there as negative debt. 
Thank you for your serious consideration in this matter.