davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-27
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: U.S. BANCORP (KY)

An attorney by the name of XXXX XXXX sent my bank ( US BANK ) a Non same day cashiers check request XXXX gen ledger # XXXX cost center # XXXX for parcel # XXXX on XX/XX/XXXX. ( on or about ). This was dated to be paid within a week 7 days from date of notice. This same attorney filed for Notice of satisfaction and motion to dismiss on XXXX XXXX. My property was released XX/XX/XXXX. I paid any and all debts to this person by the dates specified and this attorney sent me a letter and acknowledged my payment and said however you owe me for another 500 and something dollars. Plus fees. I communicated via email with this attorney i had paid in full by the due date and i do not owe any more. He agreed and released my property but not before filing for foreclosure and sending my bank US Bank this attempt to collect a debt and the non same day cashier check request. On XX/XX/XXXX. My bank took this money {$3600.00} out on XXXX 5 months after the request was subbmitted and it was no longer valid. They will not explain how this happened and I have spoke to the credit dept at XXXXusbank on XXXX to a XXXX who was terribly rude and unhelpful. He said " Your asking me questions I do not know the answer to ''. Then said " is there anything else i can help you with sir? '' I said " I need an answer or to speak with someone who can tell me why this happened? '' The bank did not have proper documentation feom MrXXXX XXXX XXXX to release any funds from my equity line of credit. Not my personal checking account. Not my business acct. My equity line which is now overdrawn and I owethem a XXXX $ payment immediately by XX/XX/XXXX which I do not have XXXX . This is imperative i getthis resolved.Due to XXXX XXXX not having a real phone number or address I had to contact an attorney and had to pay my attorney XXXX $ to write an email to XXXX whom then responded to my attorney promptly. My emails were disregarded up until my atty contacted him. He then email me saying that he will give me back my XXXX $ and my bank should have not given it to him. It is a dispute with my bank. He then enclosed a release of responsibility onthis matter. It states he will not be responsible for any lawsuits that arise from this and he can not be sued over this from now until forever. This includes any future lawsuits also. He is not to blame in any way. He is to blame for all of these problems I did not owe him anything in the first place. I will not sign his agreement due to the fact he has tried to steal money from me 2x already and I caught it both times. I believe he has done this to every person whom he bought a tax lein from due to the agressive paperwork he subbmitted on me. He has found loopholes from banks to pay him large sums without being detected by the bank. Proper paperwork is to be legally filed by a judgement from a judge. Please help me, before this payment is due on XXXX XXXX XXXX.
Consumer complaint received 2019-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (CA)

This complain is for XXXX XXXX XXXX. It was supposedly for XXXX XXXX for {$300.00}. It was dated a few years back. Fast forward. Im in the middle of processing a mortage loan now. Had to pay the balance to raise my credit score up and remove the negative remarks they put on my acct. Before i paid them, i called to see if they can send over a bill with the amount i owed. They declined to do so in writing and redirect me to XXXX to see the balance. Decided to overnight the money order with the said balance on XX/XX/2019 with signature needed making sure theyll get the payment on time at XXXX on XX/XX/2019. Called the next day after it was signed by a person named XXXX XXXX at XXXX. Spoke to a representative and was told they havent received the payment. I told them it was signed at XXXX so they should have it on record. They said that the payment isnt posted yet and declined my request for them to expedite the process because i need a letter from them saying they received the payment and the balance is now {$0.00}. Spoke to a supervisor and they were no help either. Mind you that ive called them multiple times in the past week and they arent willing to help with anything. The second time i called it was a lady representative that helped me. I was on the phone for 50/more mins. She would put me on hold multiple times and failed to inform me that theyre updating their system and its slowing everything down. Mind you that i have a newborn baby and have other errands to do therefore i dont have an hour to sit around and be on the phone with them! Now my mortage loan was declined due to this mishap!! And i tried to access my acct from their website and it says my accts not accessible thru the web and have to call them.
Consumer complaint received 2019-03-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

During my sons stay at XXXX College of art and design from XXXX through XXXX, we took out XXXX student loans through XXXX under my son 's name totalling {$68000.00} {$4000.00} on XX/XX/XXXX {$15000.00} on XX/XX/XXXX {$18000.00} on XX/XX/XXXX {$31000.00} on XX/XX/XXXX When my son graduated he continued to pay another loan of XXXX dollars under his name, in the year of XXXX my taxes were deducted because they owed {$85000.00} dollars because, they star to charging interes from the first day that we took the loans on XXXX, the loans when my son graduated, was charger with 4 years interes, I do not know how those loans were left to my name. According to XXXX XXXX I would pay monthly only XXXX dollars for a year to come out of collection and I do one year auto pay, but they never told me that the loan would continue to increase and they transferred my account to NAVIENT now, they charge me {$95000.00} because they say the interest is up to 7.9 % When I was never notified of this XXXX loans in 5 years, I was assuming that the loans in fafsa were free student loans, my son was never informed during all these years because they were confidential in my name, but I'm not thee student they need to know about the loans, very appropriate for the company to continue increasing the interest in an incredible way.
Consumer complaint received 2021-01-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USCB, Inc. (CA)

On XX/XX/XXXX USCB reported three collection on my XXXX  Credit Report for XXXX XXXX, a medical collection. They stated I owed balances of {$150.00}, on the first collection, {$350.00} on the second collection and {$120.00} on the third collection. I was just started a XXXX XXXX XXXX and was declined credit multiple times shortly after with reasons stating that there were multiple collections on my credit report. I contact USB quickly and explained that I do not owe XXXX and money and in fact paid the balance owed to them in full on XX/XX/XXXX see attached payment receipt. This XXXX  balance is proof that all my medical bills including my wife 's bills, my children 's bills are at a XXXX  balance. They are on my medical  plan. This is not the first time XXXX has tried to do this. They did it last year right about the same time, and that time I had deal with it.
Consumer complaint received 2020-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing because I never opened account with company listed in identity Theft, and never had a deals with them. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them. 
I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.
Consumer complaint received 2019-03-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (VT)

I have been a customer of PayPal since XX/XX/XXXX. Never had an issue. 

10 years on, they demanded more documentation to verify my identity, claiming authority under the Bank Secrecy Act. I proved to them that they were only required to " know their customer ''. They restored my account. 

In early XX/XX/XXXX I started to have issues with transactions. I discovered that PayPal is 1 ) dictating to sellers what items they can sell and 2 ) blocking my funds from being used if any item in a cart is not in stock. 

The seller was unable or unwilling to challenge PayPal after I authorized them to take ~ {$70.00} from my account and send me my items ( vitamins ). 

I waited weeks for this be resolved, but eventually was forced to call PP. I was on the phone negotiating for two hours, after a 35 minute wait. 

The issue is the same as in XX/XX/XXXX. They have locked my funds from going out, but they don't care if funds go in. They demand documentation that I can not provide. This time they are citing the Patriot Act.

I researched the Act and discovered that these verifications apply only to " new accounts ''. 

PayPal has stolen my funds. They will not allow me to buy or transfer. They refuse to close the account. 

On-line ROBBERY! 

Additionally, I documented where the balance stated was over what I knew to be actually available, which might have resulted in an overdraft, had I not been very observant. 

Additionally, the seller told me that PP will not show the cart discounts until after the transaction is authorized. This could potentially cause an overdraft, requiring a backup method to fill the gap, when there really isn't one. Either way, PP benefits as they have a guaranteed positive balance. 

I would appreciate an opportunity to discuss these details with an investigator. PP needs to be brought into court to get these thieving practices stopped soon. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-03
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: EQUIFAX, INC. (GA)

Equifax is reporting inaccurate public record ( bankruptcy ) on my personal credit report. This information is incorrect and in fact XXXX has conducted a investigation and the results came back as deleted as this information is inaccurate! Equifax is stating they are getting their information form a third party ( XXXX ) but this can't be true! for one my personal information is surpassed and frozen so how are they getting this information. Further more I have a letter form the courts that states they do not verify with any credit reporting agencies or third parties! 

I am requesting the removal of this bankruptcy on my Equifax credit report due to Civil Case No. XXXX, XXXX XXXX , XXXX XXXX., v. XXXX XXXX XXXX XXXX XXXX, I did not know the source of their information on those judgments and bankruptcies and due to this, Equifax has violated the Fair Credit Reporting Act ( FCRA ). Please remove this bankruptcy & judgement ASAP. 

Since this is a request and not a dispute, I would like to receive confirmation that this bankruptcy & judgment listed on my credit report has been removed within 15 days of the date on this letter. Your attention to this matter is greatly appreciated.
Consumer complaint received 2019-08-21
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: SYNCHRONY FINANCIAL (MS)

An hard inquiry appeared in my XXXX credit report. The company name is SYNCB/XXXX XXXX XXXX it appeared on the date of XX/XX/2019. I would like this disputed because it should be removed from my credit reports as I do not have knowledge of this account showing. It is a hard inquiry. Please remove this.
Consumer complaint received 2019-03-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (VA)

I am submitting a complaint about not getting adequate help with reducing my payments to XXXX XXXX XXXX, loan # XXXX XXXX XXXX. My balance is almost {$300000.00} which I will never be able to repay. I can not make the {$720.00} loan payment they are asking for. Every year I call because the payment is too high and each year they put me on a Forbearance. They claim that I am at the lowest payment amount for my salary. They go by students gross salary and not their take home pay which is what should be calculated. They are not taking into account deductions that come out, a persons personal expenses to live. ( See enclosures ). 
I called XXXX XXXX XXXX on XX/XX/XXXX, and I spoke to XXXX, ID no. XXXX and she told me I can not switch to another payment plan as this is the only plan I can be on. I inquired about ungrouping my loans so that I can make payments to the lowest one and work my way up to the highest. She told me they dont do that. 
I do not want to continue getting forbearance as this is only prolonging my ability to retire. I am not trying to work until I die, but want to live out my senior years in retirement, not working for the rest of my life. 
I am writing to ask that you as my elected leaders, and The Department of Education change the laws so that once and for all students in debt be able to repay their loans without the hassle of trying to make a payment they truly can not afford to pay. 
Enclosed is copies of my expenses, my loan payment page with my balance, and scenarios of different payment options. Even if I sacrificed something in my budget it would not allow me to sustain basic living. I am however, willing to make a diligent effort to pay the {$420.00} payment I was paying when I started to repay in XXXX. I am also paying to support my daughter who has not been able to find employment since going to a school that has closed but the student loan company will not forgive her loans because she graduated. The school deceived my daughter in that she would be able to find suitable employment in her field of study. To date she has not so I am still financially taking care of her.
Consumer complaint received 2019-03-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo is responsible for the servicing of my mortgage loan, but they are failing miserably. I can not imagine how they are able to remain in business after all the shenanigans they have done. They are purposely keeping me from obtaining mortgage assistance, so that they can take my home away and make themselves richer. They will not have any constructive discussions with me and it appears that they will soon put my home into foreclosure. I have lived there for over 50 years and want to spend the rest of my life there. They have never provided me with assistance and when I tried working with them they keep asking for the same documents over and over again. I am not a deadbeat, but fell into financial trouble when I lost my father, two sisters and my daughter to XXXX. This set me behind on my payments and I should have gotten some help from Wells Fargo, but they have been incompetent in their efforts to help me. This has gone on for years and I need some help dealing with them. Since they have not helped me, my delinquency is much larger and I am afraid that there is no way I can get my mortgage modified. It is their fault that it went on so long as they kicked the can down the road. I keep having to deal with a new person every time I call in and it gets frustrating because I dont think Wells Fargo has a cohesive process to help homeowners. Isnt it their business to professionally handle loans? I bet if this was a new loan they would have had this completed within a month. I am certain that they are dragging their feet because I have equity in my home that they want to capture. How can Wells Fargo still be in business after all I have read about them? Please shut them down! I hope your agency can go after them on my behalf and get them to correct my loan issues.
Consumer complaint received 2021-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (IL)

My payment is late this month by 16 days, Im struggling financially and needed a few more days to get it paid before the 30 days hit. Chase bank calls me multiple times a day and wont stop calling. On Monday XXXX they called me at XXXX, XXXX XXXX, XXXX, XXXX XXXX. I have asked multiple times for the passed few weeks for them to stop calling me so many times one call a day would work if they cant wait till the date I told them I would pay. They wont stop harassing me and then hang up when I try and talk. They call on multiple numbers. I have attached a screenshot of the calls that I have left that I didnt delete since they were overloading my call history.
Consumer complaint received 2019-03-13
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (NY)

I AM GETTING SICK AND TIRED OF THIS COMPANY TREATING ME SO WRONG THEIR CREDIT DEPARTMENT IS HORRIBLE WITH ME EVERYTIME I APPLY FOR MY BLOOMINGDALES CARD ONLINE OR IN STORE THEY DELCINE ME DUE TO A TEXT MESSAGE THEY TELL ME TO STOP APPLYING ONLINE AND GO TO THE ACTUAL STORE WITH ME ID I WENT THIS MONTH ON FRIDAY AND THEY REFUSE TO PROCESS MY APPLICTIONS WHEN THEY TOLD ME TO GO AFTER 30 DAYS WHICH I DID AND THE SAME THING HAPPENS THEY DONT TRY ITS LIKE THEY DONT WANT ME UNFAIR WITH ME XXXX XXXX HAS BEEN UNSUCCESUL IN GETTING THIS RESOLVED THEIR ARE DIFFERENT METHODS TO COMPLETE VERIFICATION BUT THEY CHOOSE NOT TO HELP ME AND SAY THAT TEXT MESSAGE IS THE ONLY WAY THIS IS RIDISICLOUS AND I WENT TO THE STORE I HATE THEM THEY GIVE ME A HARD TIME FOR NO REASON
Consumer complaint received 2021-08-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (IL)

A debt collector from IQ Data International by the name of XXXX ext.1201, called me, XXXX XXXX . I am unemployed and do not have a XXXX to my name. I hung up because I did not understand the language too well and he stated that it was for owing money to an apartment, which I could not afford during the pandemic. The debt collector then proceeded to call me because and started telling me, " why are you hanging up? Are you scared? You owe my client money. '' and he continued to harass me. I passed my phone over to my son, who is an attorney, but is not representing me in the matter but who I wanted to speak on my behalf because of the harassment I was suffering. The debt collector proceeded to express aggressive behavior towards my son and hung up. After multiple attempts to call him back, he continued to patronize and be aggressive. The debt collector, per the recorded conversation, was asked to no longer solicit for debt collection and he proceeded to state it was not not solicitation. The debt collector did not even know what solicitation was and continued to taunt and harass. I asked my son to call the manager with ext. XXXX, to convey the situation I suffered at the hands of the debt collector. Then we asked to receive a call back because we are dealing with other legal matters and the manager then refused and cornered and pressured me to try to resolve the issue now or never, despite I requesting to have this conversation another time because of being distraught and having to deal with other legal issues at the moment.
Consumer complaint received 2018-02-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (WI)

I have been sent multiple letters from XXXX XXXX XXXX for a supposed old XXXX phone bill. The amount is for {$540.00}. I have sent in multiple debt validation letters and the company won't validate it yet it is still on my credit report.
Consumer complaint received 2021-08-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc (FL)

On XX/XX/2021 I contacted Chime ( my bank ) to start a dispute # XXXX for a charge on my debit card for {$1900.00}. I called the bank a couple of days prior while the charge was still pending to stop payment and was told I had to wait until the charge cleared. I was told that the dispute process can take up to 90 days to resolve and was given a resolution date of XX/XX/2021. On XX/XX/2021 I contacted Chime to find out the resolution and was told the merchant has not responded ; therefore, the investigation team has not yet entered a resolution. The dispute agent sent a ticket to the investigation team and told me they have 3 business days to respond back to me via email. On Thursday, XX/XX/2021 I called Chime again because I still have not gotten a response from the investigation team. A dispute agent entered another ticket # XXXX I spoke with a floor manager in the dispute department just to be told the same thing -- he is sending a ticket to the investigation team for the resolution and they have 3 business days to respond via email. My hands were tied because I asked to speak to someone in the investigation department and was told they had no way of contacting that team. He entered another ticket # XXXX for the investigation team. He provided me an email address which I sent an email to and have yet to receive a response. On Monday, XX/XX/2021 I contacted Chime again and was told by the dispute agent that it is unacceptable that the investigation team is not responding. I was told that I should have heard back by now and that because the merchant has not responded within the 90 days the investigation team should have had a resolution by now. She agreed with me when I said I should have had my {$1900.00} back in my account. Again another ticket to was sent to the investigation team. Again, I spoke with a floor manager to no avail. I called again Tuesday, XX/XX/2021 to no avail. Today, I contacted Chime once again, spoke to a dispute agent who said she is going to escalate this issue to the investigation escalation department and I should receive an email in 1 to 3 business days. After she entered a ticket I received an email from a leader in the dispute department who writes in the email that they are currently working with the merchant to investigate my claim and that Visa allows 30 days for the merchant to respond to all inquiries. The merchant had 90 days to respond and neglected to respond so why is Chime allowing more time? I should have received my money back by now not provided with that answer.