davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (VA)

We have had numerous issues with Nationstar, from refusing to correct my name to my married name despite being sent essential documentation on 3 occasions to overall terrible customer service where they refuse to let you speak with a supervisor. This most recent issue came when we thought we were finally free of them. We sold our home and the loan was paid in full leaving an overage on the escrow which is to be paid out to us. We called to verify the amount owed to us and when we should receive it. We were told 2 weeks which we happily accepted. After 2 weeks had passed we called again only to be told that there was n't any progress and it could take up to 18 business days. Annoyed, I asked to be transferred to the escrow department where, in the very same call, another associate tells me that it will take up to THIRTY BUSINESS DAYS. Every time we talk to these people we are wasting hours of our life to get the run around and conflicting information. We just want our escrow paid out to us as soon as humanly possible so we can put this terrible company behind us.
Consumer complaint received 2015-12-22
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CO)

I was owed money, and the person who needed to pay me offered to do so via PayPal. After looking at PayPal 's website, which promised, " Send friends, family, or customers your personal PayPal.Me link wherever you talk to them - text, email, or post. They click the link and enter the amount - no cash, no checks, no awkwardness. '' It promised fast, easy transfer. What it did n't say was that the funds would be held by PayPal for 21 days. Had I known that PayPal would sit on the money for XXXX WEEKS I would have asked for a check or cash. PayPal gives the sender the impression that money was delivered right away, and nothing could be a bigger lie.
Consumer complaint received 2016-05-20
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Paypal Holdings, Inc (MD)

Paypal combed through my account and found the last person that I sent money to ( an old friend. Then, they called him and left a message about my account. There are no words to describe my embarrassment. I am very upset about this and I would like to know if there is any recourse that I can take. Any assistance would be greatly appreciated. Paypal would call me so many times each day. I had to add them to my block list, because I do n't have the money right now. My hours have been cut at work. I barely have enough for the mortgage and car payment each month. After blocking Paypal from calling me, they decided to fish through my account for information on my friends. This is absolutely outrageous. I do n't want people knowing about my debt.
Consumer complaint received 2017-05-26
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (FL)

JC Penny lowered my credit line based on incorrect data on the Credit Report. I have a prior case opened and it is still pending. Yet this action in my opinion a SCAM because it places me at my credit limit further impacting my already wrong low credit score. My credit score   XXXX !!!!! and they do NOT tell me where they got the information even though they allude it is noted. You find it! I might  XXXX  they offered me the credit even while I had an extremely low score- bait me in them clobber me! SEE PRIOR COMPLAINTS SYNCHRONY BANK- who advised me they already corrected the errors and credited me back money. I now have to be continually exposed to ineffective credit reporting further impacting my financial ability. It has cost us significantly in declined loans and usurious rates. Personal opinion a scheme to indenture people financially! They can take your money instantly from your bank account but they can not correct your credit- it tak es 60  to 90 days. Furthermore I have a security freeze on all  XXXX  they can not find. That was my last report so how did this company gain access???????
Consumer complaint received 2015-09-10
Product: Money transfers — Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info — 
Company: Paypal Holdings, Inc (IL)

Paypal did not notify me in advance that I would not be able to use the instant transfer. It seems to be something that is not readily available. You can use it for XXXX transaction and then when you make an identical transaction for the same amount to the same person the next month, you are not able to complete, but the following month you can. A search on google implied that it could be due to an credit card coming up for expiration but offered no other reasons for when that is not the case - and by the way these are not answers from paypal but from other consumers.
Consumer complaint received 2015-11-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc. (SC)

I spoke with a representative on XXXX/XXXX/2015 from EOS CCA she advised me that I was billed in error and that the debt would be removed from all three credit bureas. She also provided me with a telephone number to follow up with XXXX XXXX XXXX ( XXXX ) XXXX. I called this number and it was disconnected so, I contacted EOS CCA again and spoke with XXXX with Consumer Complaint who advised me to send them a email or fax for the phone conversation to be investigated. They have been billing me for several years and after numerous credit bureas disputes they are still knowingly reporting misinformation for a debt that does not belong to me. I received a bill under XXXX XXXX which is not my name and or debt. I would like to have them remove this debt from all three bureas immediately.
Consumer complaint received 2016-12-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (TX)

This debt is not mine it 's my daughter, I spoke with XXXX @ XXXX and was told that this debit should be my daughters XXXX for her child XXXX but somehow it was on my report, The young lady by the name of XXXX states she would have this debt removed but it still on my credit report from IC Systems.
Consumer complaint received 2015-11-03
Product: Consumer Loan — Personal line of credit
Issue: Shopping for a line of credit — 
Company: Paypal Holdings, Inc (MN)

Paypal XXXX pulled my credit without my authorization on XXXX XXXX, 2014 resulting in a hard pull with XXXX. This inqueries is hurt my credit rating. Also I was signed up for PayPay credit line without my consent. I never applied for a credit line, this was never authorized and I never plan to use paypal credit.
Consumer complaint received 2015-12-21
Product: Credit card — 
Issue: Other — 
Company: Paypal Holdings, Inc (IL)

I CONTACTED YOU REGARDING AN INQUIRY INTO MY CREDIT FILE BY XXXX PER MY CREDIT REPORT WITH XXXX. THE REPORT STATED THAT IT IS REGARDING XXXX THE FILE NUMBER WHICH YOU ORIGINALLY ASSIGNED TO ME WAS XXXX FOR THIS CASE. YOU NEEDED MORE INFORMATION AS TO THE COMPANY 'S NAME. THE SAME DAY THAT I CONTACTED YOU TO RE-CHECK INTO THIS CASE, UNFORTUNATELY, WAS THE SAME DAY THAT THE FILE WAS CLOSED- WITHOUT THIS BEING RESOLVED. AS I STATED IN MY ORIGINAL COMPLAINT, I HAVE NOT APPLIED FOR ANY CREDIT CARDS FROM ANYONE IN 10-PLUS YEARS. I WAS ONLY ABLE TO FIND OUT INFORMATION ABOUT THIS COMPANY BY VISITING A WEBSITE CALLED XXXX. THIS SEEMS TO BE THE FRAUDULENT WAY THIS COMPANY OPERATES- PULLING PEOPLE 'S CREDIT REPORTS WITHOUT THEIR PERMISSION. I DO NOT HAVE ANY OTHER INFORMATION ABOUT THIS COMPANY. THE NAME FOR THEM AS LISTED ON MY CREDIT REPORT IS XXXX. THEIR PHONE NUMBER IS ( XXXX ) XXXX. I FOUND THIS INFORMATION OUT ABOUT THEM VIA THE WEBSITE XXXX
Consumer complaint received 2017-02-28
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO. (MN)

I acquired an auto loan in XXXX, had perfect pay history until XXXX in XXXX I had a catastrophic event happen to me which rendered me completely XXXX, while waiting for my XXXX to be approved I fell behind in some car payments, once it was approved I paid in full on XXXX/XXXX/XXXX the back amount that I owed and from that day forth never missed or was late with another payment. Loan was paid off on XXXX/XXXX/XXXX. My complaint is that the company I had this loan with never reported my perfect pay history from XXXX/XXXX/XXXX - XXXX/XXXX/XXXX, thus robbing me of good credit on my credit reports instead showing just C/O during these four years.
Consumer complaint received 2017-01-31
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (OH)

I am contacting your agency because I need your help in disputing some charges done on my Mastercard At & t Universal credit card by some fraudulent companies. I have paid several companies thousands of dollars for various online business related and have found myself as a victim of a professionally orchestrated scam. After I paid XXXX company my phone got inundated with calls from these companies offering me their services. I would like you to investigate a charge of {$490.00} done on my card by XXXX charged on XXXX/XXXX/2015. They contacted me by an unsolicited telemarketing phone call.XXXX is a " leads program '' where they call you up and act as " your coach '' to convince you to buy " leads '' of a list of people who are supposedly " targeted leads '' who wish to be part of an online work from home program ( though you do not know if there is actually a list of leads you purchased ). You supposedly get a commission for each person on the list you bought who joins the scam.I never received any goods or services. I have been lied to and charged for services that have not been provided as promised. They have used false and misleading tactics and it is clear that they never intended to fulfill their end of the deal. I tried to resolve directly with and get my refund but they ignored my requests.
Consumer complaint received 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Below are the name of accounts and numbers XXXX XXXX : # XXXX, XXXX : # XXXX XXXX XXXX  : # XXXX XXXX XXXX  : # XXXX XXXX : # XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX theses accounts above, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-08-17
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BB&T CORPORATION (NY)

In XX/XX/XXXX and again XX/XX/2016, I attempted to make an online payment to on my car note with Regional Acceptance Corp - RAC - ( an affiliate of BB & T Bank ). I tried a number of times. Each time I received an error message of sorts that indicated that I was unable to make a payment. On XXXX/XXXX/16 I called an RAC branch office in XXXX, NY as directed by the error message. I spoke to XXXX at XXXX who advised me that RAC has blocked my ability to make free, convenient online payments because my payment is late. Stunned by this blatant discrimination against consumers that fall behind, I asked XXXX if that is RAC 's policy and she assured me that it is their policy to offer the " convenience '' of free online payments to customers whose accounts are up-to-date ( not late ). I told her that I have made a number of online payments in the past despite my account being late and she basically called me a liar. I asked XXXX how that policy makes any sense whatsoever and she very robotically repeated RAC 's policy. RAC purposely and maliciously is blocking consumers ability to make free, convenient online payments if they are behind on their car note!
Consumer complaint received 2017-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I had a Chase Card for  many years ( perhaps u p to 9 ), ma king on-time payments and always keeping a healthy debt to balance ratio on the card. In the aftermath of the recession, I recall making payment arrangements with them while not using anymore credit. They refused to work with me and simply closed my account and turned it over for collections.     I tried to work in good faith with them, but they were not interested in that. There is no record I can find that even shows that I missed payments with them. I believe this was abuse by a financial institution.
Consumer complaint received 2022-04-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (AL)

I opened this account and put 2 deposit into the savings account around XX/XX/2022 and put too much money into the account, so i decided to put my XXXX account information using the routing number and account number provided by XXXX that uses XXXX. 

Marcus by Goldman Sachs has since locked my saving account requesting bank statements with the required information looking for the routing and account number from XXXX. I called XXXX and they said they don't provide that information on their statements just transaction history. so i called marcus back and requested for them to go ahead and remove the XXXX information from my savings account. 

Marcus has been nothing but rude and uncooperative about unlocking my the account. they wont even let me close the account. I just want the account unlocked and remove the XXXX information. Goldman Sachs refuses to unlock my account. I no longer want the XXXX tied to the account. Marcus customer service is very rude. I don't see how they can tie up people 's money like this. this isnt fair. i have children and need access to those funds immediately
Consumer complaint received 2015-12-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AFNI INC. (NY)

the debt collector called me last 2 months ago in paying off my account. and i already make the payment. but they did n't close the account and now i recieved collection payment from different company.
Consumer complaint received 2016-06-08
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF THE WEST (OR)

I deposited a XXXX XXXX XXXX check into my Bank of the West checking account on XXXX XXXX. I deposited the check so my Bank of the West mortgage would be paid on XXXX XXXX. The funds were in XXXX XXXX XXXX, but because this was a mobile deposit made with an XXXX, Bank of the West did not credit the deposit until XXXX XXXX. I did not learn of the delay until XXXX XXXX, and never even considered the possibility of such a long delay because all previous delays for mobile deposits had been around 3 days. So, my mortgage payment was late and Bank of the West charged me a {$35.00} " insufficient funds '' fee. When I called to complain Bank of the West reversed the {$35.00} fee, but the late payment to my mortgage is still recorded. Bank of the West told me that with mobile deposits they have the right to delay the funds for up to 10 days. That time period is wildly unreasonable. The longest lawful delay I could find for deposit times listed on the Federal Reserve website was 5 days. A ten day delay is outrageous, it is a loophole in the law and the CFPB really needs to work to see that this scam is outlawed. Please! My primary bank is XXXX XXXX XXXX and I only use the Bank of the West account for my mortgage payment. I believe Bank of the West is trying to push me into using more of their services, such as overdraft protection, by delaying as long as possible my funds transfers from XXXX XXXX XXXX.
Consumer complaint received 2016-06-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (TX)

I pulled my credit report to find that a collection from AFNI was on my report to collect money for XXXX ( Collection ( Account Number # XXXX ) ( Amount Owed {$590.00} ). I contacted the AFNI office using the contact number from my credit report. I was told that the bill belongs to my husband and that I was responsible for this bill. I told them that I have not received any mail with my name and information asking me to pay. I had no idea that my husband owes this amount and after speaking with my husband he too had no idea. I am asking that this item be removed from my credit and that my husband be properly notified so the bill can be paid if it belongs to him. AFNI did not follow FDCPA laws which prohibits unfair and deceptive practices to collect. My husband XXXX XXXX is a man of integrity and would be happy to address this issue. I am seeking resolution for this mix up and request that this item be removed from my credit file ASAP .Thank you for your time it is greatly appreciated. 

XXXX XXXX Cell XXXX TX XXXX
Consumer complaint received 2016-01-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: REGIONS FINANCIAL CORPORATION (TX)

My mortgage company did not mail me a statement for the month of XXXX ( payment due XXXX 2016 ). I tried to make a payment at their online website and successfully registered my account. When i tried to log on their system would not allow access to my account ( even though I had successfully registered ). I called and was told i needed a reset password. So i was provided one by their rep. But i still could not log on so I called back. Another rep informed me that i could not access the online website due to my Bankruptcy. I told her I had not received my statement and that I needed to make a payment. She said they would not be mailing me anymore monthly statements and that I could not make a payment online due to the bankruptcy. i asked her why not and that I needed to make a payment and she said it was due to my filing Bankruptcy. I asked her why and all she kept repeating was that it was due to Bankruptcy. I asked how can i make payment and she finally said she could accept payment over the phone. I agreed as long as no further charges are assessed for making the payment over the phone. And she said she could send me a coupon book which I agreed to.
Consumer complaint received 2016-04-26
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (LA)

This company if refusing to refund my money for XXXX charges that i tried to dispute a year ago because the product i received was fake and used. XXXX of the charges are international charges and XXXX is XXXX from new york. XXXX charge is on XXXX XXXX 2015. XXXX is XXXX XXXX 2015. Those are the XXXX international charges and the other XXXX is from flight new York for {$410.00} and some change. They trying to say I 'm pass the XXXX day mark which is n't true when i initially filed the dispute they did n't include all the charges and they disputed it as unauthorized which a supervisor told me is the wrong way and should have just opened a claim up to get my funds back. I would like my funds back immediately to the method of payment for the error they made on their end not mine i did everything by the book. I should be due a refund of a bout {$4000.00} for this because what they are doing is n't right and people still deserve their money back if they do n't get what they paid for.
Consumer complaint received 2015-04-01
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A. (FL)

My wife and I are a very strong couple. We have endured and have overcome all types of obstacles in our married life, but we have run across a scenario that we are struggling to manage on our own. Flagstar Bank is trying to sell our house through foreclosure, but is n't taking the time to try to help us save our home. The set of circumstances that led us to where we are today were beyond our control and no one at Flagstar has been willing to take the time to sort out the mess. 
We fell on hard times financially a couple of years ago and have been trying to recover since. I lost my job in 2012, which is what caused us to fall behind on our mortgage. After being unemployed for a while, I decided to start my own business in sustainable development and clean coal technology. As I 'm sure you 're aware, it takes time to build a successful business. Meanwhile, my wife started working part-time as a social worker and I eventually found employment working on commission ; and now my business is starting to take off. We 've picked ourselves up financially after a very stressful time in our lives. I was a XXXX XXXX in the XXXX XXXX. XXXX, and as such that 's what we do. However, Flagstar Bank is not cooperating with us and has not provided any options for us to save our home. 
I have tried to engage Flagstar to get a loan modification so we can keep our home, but have been given the runaround. They have not offered a review and have not taken any of our claims into consideration. Each time I tried to engage Flagstar, they would refer me to the VA. The VA in turn would send me back to Flagstar. Each of them passed the buck, and now Flagstar is setting sale dates and trying to kick me and my family out on the streets. 
If the government knew the shady dealings that surrounded this loan, they would be coming after Flagstar. I need assistance getting Flagstar 's cooperation. We simply want a review of our mortgage for all available retention options so that we can keep our home. We do not need a handout or be given something we do n't deserve, but we want the opportunity to be treated fairly. Our financial future looks bright and we will not have any financial issues moving forward if we can get this resolved reasonably. Thank you in advance for any help you could provide. We would like to see if you would be willing to contact them to see if they will deal with us professionally so we can keep our home. I would be grateful for any assistance you would provide to me, my wife, and our XXXX young children.