davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-17
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Cadence Bank (TN)

I am of XXXX ethnicity, but was born in the US. I have been accepted into a XXXX in TN. I will be making XXXX/year the first year. I applied for a mortgage from Bancorp South for {$230000.00} in XXXX for a house in XXXX. I was originally told I would be able to get a {$250000.00} loan so I stayed in the budget. The underwriter required me to have documents re : my repayment plan for my loans XX/XX/XXXX. I was not due yet, but I applied for a loan consolidation and got an estimate that I would be paying XXXX $ / month. I submitted this information to the underwriter XXXX XXXX and the underwriter required more information. I had planned on the REPAYE plan which is an income based repayment. When I received my loan summary, the underwriter said they needed a specific document indicating how much I would have to repay per month. I then contacted the loan company and they tried to expedite my income based repayment application. As soon as it was completed, I sent it to the bank representative who sent it to the underwriter. The underwriter finally commented that because it is an income based repayment plan that could change as my income increases, they can not give me the loan. I have been living in a motel for 1.5 weeks waiting for the mortgage in order to close the sale of my house. My daughter started school in the XXXX district. I have had to start work living in a hotel. When we speak to the bank representative and the real estate agent, they are flabbergasted. They have never heard of an underwriter doing this. It does not make any sense. The bank representative is appealing this decision. In the meantime, we are a displaced family, living in a hotel which is not financially sustainable for us.
Consumer complaint received 2015-08-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO. (IL)

Our credit union refinances other lenders ' auto loans to save our members money. Even though we have a signed authorization, Ford Motor Credit will return our checks if there is any request to mail the title to the credit union. They are using this tactic to delay payoff and accrue additional finance charges ( and possibly late charges ) for the borrower. FMC claims it is a liability issue, but most credit unions recognize this for exactly what it is.
Consumer complaint received 2015-11-12
Product: Credit card — 
Issue: Advertising and marketing — 
Company: Paypal Holdings, Inc (TX)

I recently received a phone call from PayPal Credit regarding an outstanding balance of {$140.00} for " PayPal Credit '' purchase I made in XXXX 2015. I have NEVER used PayPal credit before - only PayPal as connected to my debit card or bank account. Typically, this was for payment to individuals. This specific {$45.00} payment was to a friend who has a baked goods company and she baked and delivered an order for me. I paid via PayPal, as I have done several times prior. Then I received this phone call and a statement in the mail in XXXX 2015 with a {$140.00} balance, because I chose to pay with PayPal credit and had NO idea I had done so. I did NOT know there was a credit option via PayPal. This is VERY misleading and deceiving and I am not going to pay {$100.00} worth of late fees for something I thought I paid for in XXXX 2015. I had no way of knowing this purchase was going to be via a credit account - I would n't have done that.
Consumer complaint received 2016-07-03
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (TX)

Paypal forces consumers to add a checking account to verify their identity. Once a checking account is linked to a consumer 's Paypal account, Paypal makes this account the default account where they take money from to pay for transactions. There is *no* way to change it. " One can not make a credit card account their default account after linking a checking account ''. Paypal does this to make extra $ $ by not paying credit card commissions and keep the 4 % themselves. 

I was careful to check and change the account to credit card account whenever I made transactions. However, I missed to change the account in my last transaction and Paypal took the money from my checking account and my bank account was overdrawn due to this. Bank charged me an NSF fee and I received a scary letter that my account will be reported to XXXX and Credit bureaus due to NSF. I did not check this bank account since I linked an account that I do not use often and do not keep any money to Paypal. I chose an under used account since I was not comfortable linking my active checking account to Paypal. 

I deposited money to my checking account and Bank was nice and refunded the NSF fee but Paypal must have damaged credit scores of a lot of customers due to Paypal 's greed. 

If transaction gets declined due to NSF, Paypal will keep trying every day or every other day to debit the money which will rack up NSF fees for the consumer. Banks often pay Paypal debits even if an account does not have overdraft protection to avoid this NSF hassle.
Consumer complaint received 2016-01-08
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (TX)

This letter is a complaint about PayPal 's Seller Protection and Chargeback Fees. I am posting this so others can learn about PayPal 's wrongdoing. 

Regarding case ID : XXXX, PayPal states I did not follow " Seller Protection performance requirements. '' However, I strongly followed PayPal 's Seller Protection requirements, in addition to eBay 's Seller Protection. 

I had sent proof of tracking #, eBay message confirming receipt of payment to the buyer along with their game code, buyer leaving positive feedback, and proof from XXXX that the code was redeemed. It is evident that the buyer was a scammer. 

PayPal still initiated a chargeback of {$34.00} USD plus an additional {$20.00} USD chargeback fee. There was no Seller Protection offered to me, to protect me against a scammer. This was not the only chargeback against me, as many of my eBay products were targeted by scammers - many of whom are no longer registered on eBay. This is not right and is false advertising by both eBay and PayPal for stating sellers are " protected '' by their Seller Protection. 

In a separate matter, I paid {$2.00} ( ID : XXXX ) for an eBay USPS shipping, however, the buyer also turned out to be a scammer who is now unregistered on eBay. I never used or shipped out the package. PayPal has yet to refund me on this purchase.
Consumer complaint received 2017-02-15
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (NJ)

I have a student loan with XXXX department of education. The monthly payment was {$95.00}, I am not sure the exact change. 
XX/XX/2015, I received a letter from a company that called XXXX help stated they can help me with the loan. So I called them and I spoke with somebody 's name XXXX XXXX. He said that he can help me qualify for a program to help me lower the payment and he asked me some info about myself and provided him all my info. He set up the loan and told that the loan payment will be {$91.00} every XXXX of the month, but the payments have to take automatically from my checking account to qualify for that program. 
So everything was setup and they started taking the payments XX/XX/2015 until now, they are still taking the payments. 
Last week I received a letter from the same company which is Fedloan. In the letter, they mentioned the monthly payment is {$160.00}. I called them and spoke with XXXX different person, the both said they never received any payments from me and they have no payment history, they do n't know what I am talking about. This morning, I emailed XXXX XXXX explained to him what happen and I said " I want all the money that I have been paid since XX/XX/2015 until now, all he replied back to me that he will get fix. I called and let a voicemail for him, he never call me back.
Consumer complaint received 2016-05-12
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: I.C. System, Inc. (NJ)

I was alerted to a medical collection on my credit report under the name of XXXX XXXX on XXXX XXXX while attempting to secure a mortgage. The account number listed is XXXX. On the afternoon of XXXX XXXX, I contacted I.C Systems via phone ( at XXXX ). When I got someone on the phone ( a woman who refused to repeat her name after it was given once, quickly, or collector identification ) I asked for information for who the original debt was issued by ; my credit report references a medical provider in Pennsylvania, but the name of the doctor / practice is not showing on the reports. I advised the woman I had an account number - she stated that they were unable to provide any information to me on the original debt at that time. She did not take down the account number, but read back my phone number to me from caller ID and advised my number was not appearing in their system. I again asked for validation of debt and I was told it was n't available. To date, I have not received any written communication from I.C. Systems or any medical services provider concerning a debt in the amount of {$89.00}.
Consumer complaint received 2017-03-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc (WA)

I rented an apartment at XXXX XXXX XXXX in XXXX WA. They are owned by XXXX XXXX XXXX. Part of our rent was paid by XXXX. Months after we moved out they said we owed back rent because they sent a refund to XXXX. XXXX denies this. ( Part of XXXX ) XXXX also says we could not have moved if we owed rent. XXXX could not produce a copy of the check, the check number or date sent. They had no proof. But continued to try to collect from us. Then they sent it to Hunter Warfield in Florida for collection. I asked for verification and disputed the debt. No verification was provided. I also asked them to stop calling me, a cease communication letter. To date they call me every day. I am sending another letter to get this stopped but they will probably ignore it. They threaten to report it to the credit agencies. Owed rent is not reportable anyway but they will list it as other. Also they have not taken us to court to get a judgement. I said I welcome court because I believe they could not prove their case. They just continue to harass with no proof.
Consumer complaint received 2016-11-28
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: MNS & Associates LLC (NY)

I have reported this company to the Consumer Financial Protection Bureau Case number : XXXX on XXXX XXXX, 2016 for illegally calling me trying to get my relatives social security number. I have never done any business with this company. They have called me again today from a different cell phone number, and using a different company name " MNS Associates ''. I am reporting them again today!!! 
The number they called me from today is ( XXXX ) XXXX, which is listed as a XXXX business on XXXX.
Consumer complaint received 2016-03-27
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (NJ)

I can not print and view my full credit report online. There is also a name XXXX XXXX XXXX. Which is not mine. This person had stolen my identy a couple of years ago and her name was supposed to be removed from my credit report and it 's still showing on my credit report. Please remove her name and I the collection companies XXXX and XXXX has been paid in full. This should have been moved from my credit report years ago. I wish to have this resolved ASAP as a I am looking for proper housing and need good credit. Please contact me at XXXX. My full name is XXXX XXXX XXXX. Your immediate attention be greatly appreciated. 


P.S. this identity theft person XXXX XXXX XXXX committed this crime twice and went to court twice. 
Thank you XXXX XXXX
Consumer complaint received 2017-01-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: I.C. System, Inc. (IL)

I received a call from IC System Stateing I owe a Debt of XXXX to XXXX XXXX hospital. The rep Had a Incorect Address along with stating they Went to my Company Website to get my Phone Number. The Collection Rep changed my Address on the Contract they she claim I owe. When I told her I had Idenity theft she told me They will put this on my credit report come XXXX XXXX. I then called XXXX and wrote XXXX Letters with supporting Documents and they never Responded. I Do n't like the fact that the collection Agency change the address from where the fraud happen. I do n't even have a pet. XXXX and the collection agency refuse to even mail a Affidavit for me to sign or dispute the issue.
Consumer complaint received 2017-01-18
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/XXXX I made a payment of {$380.00} to my Paypal Credit account. I selected to use my Paypal balannce of {$380.00} and upon submitting payment I received an email confirmation with the following information ( Please also see attached email ). 

" We received your payment of {$380.00} USD and applied it to your PayPal Credit account balance. 

Here are the details : Your PayPal Credit account ending in : XXXX Funding account : PayPal Balance - {$380.00} You paid : {$380.00} USD Payment date* : XX/XX/2017 Confirmation number : XXXX '' On XX/XX/XXXX I noticed that my XXXX checking account was debited for {$380.00}. 
At XXXX Eastern standard time I contacted Paypal about the problem and they stated that I selected my checking account to make the payment. When I told them about the email evidence they put me on hold and then came back and told me that because my account had a transaction for a payment to XXXX on XX/XX/XXXX for {$4.00} and a transaction on XX/XX/XXXX for {$4.00}, than my balance was now {$370.00} and so my checking account was used. It should be noted that the payment was marked as completed on XX/XX/XXXX ( Please see attached screenshot ). I asked that they refund the money to my checking account and they said they would only refund the money to my Paypal account, not my checking account. Further, they would not do it before XX/XX/XXXX. I am still waiting to see if I will have to pay the fee to withdraw money from my Paypal account along with the overdraft fees, potential bounced check fees along with hourly wages and other losses that there error has already caused me.
Consumer complaint received 2017-02-28
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: XOOM CORPORATION (NV)

I transferred money via Xoom.com in the value of {$100.00} plus {$4.00} transaction fee for a total {$100.00}. It was supposed to be paid in the XXXX in the value of dollars. When the person went to pick up the money the receiving bank wanted to pay it in pesos. The person refused the transaction and it was never completed. Xoom.com charged my account the full amount of {$100.00}. That is not correct they never gave us the money but yet took it out of my account. This is called robbery. I want my money put back into my account. The receiving bank even sent Xoom.com an email advising them that the transaction was never paid out. Yet they still refuse to give me back my money.
Consumer complaint received 2017-03-07
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: QuickClick Loans of Illinois, LLC (MO)

I have fallen behind in my psyments. I made a payment 11 days ago, and the company has called me multiple times. I received a call at my workplace which was answered by XXXX of my subordinates, causing me great embarrassment and disclosed the fact that I have a loan that I am behind on. I had previously told Brookwood not to call me at work. They called under XXXX, of which I have attached a PDF photo of the office caller ID. I told that person a XXXX the never call me again at eork, as my employee now knows I am behind in my payments.
Consumer complaint received 2016-08-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CA)

I have disputed several accounts, several times with Experian and they keep showing it as verified or remains. I have contacted the creditors directly several times for information regarding these alleged debts and they have been unable to provide me with anything to prove these are my debts or they completely ignore my requests entirely. 

XXXX 
XXXX 
XXXX 

I am requesting information on how Experian conducted their investigation into my previous dispute ( s ).
Consumer complaint received 2017-01-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (GA)

I have a collection acct reporting on my Experian credit report. The collection is listed as XXXX XXXX. 

I have not received any letter confirming this debt is valid, or belongs to me. Further more, the date of this account is listed as being opened XX/XX/XXXX. Experian shows that this account was last updated XX/XX/XXXX. How was an account updated before it was opened? I do not acknowledge this as valid debt belonging to myself, and the innacuriaces of information contained justify the removal of this item from my credit report.
Consumer complaint received 2015-05-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (VA)

I have filed a complaint with BCFP and The Attorney Generals office about the company " XXXX XXXX '' that placed the false debt ( which is not my debt and could not provide proof ) on my Credit reports. XXXX and XXXX have removed the item which is not my debt but Experian refuses to remove this item. I have filed XXXX disputes yet they still refuse to remove the item only to say that the company says it is my debt but still DID NOT provide PROOF.
Consumer complaint received 2016-10-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (PA)

Experian has not updated or correctly updated XXXX of my credit card accounts. At issue is the failure of Experian to list the proper account number for these XXXX credit card account. In addition, in the reply to my dispute, XXXX of the credit unions that issue me a credit card is now erroneously identified by Experian as a medical facility ( XXXX treatment facility ). 
I should note at this time that although the account numbers associated with these XXXX credit cards are not correct, I do not dispute the accuracy of the payment history or balance history of these cards. That information is correct. In fact, I have a very high credit score. 
Why inaccurate account numbers matter : Regulations require financial institutions and government agencies verify our identity prior to conducting business with us. Erroneous information in credit bureau files result in failed identity verifications. 
1. My XXXX Bank credit card is identified by Experian, using a number that I do not recognize, nor does this erroneous number appear anywhere on my XXXX account or statement. I have requested that Experian list the XXXX digit XXXX credit card number for this account, the same way XXXX does. 
2. My XXXX Credit Card is now miss-identified as a " medical account '' ( XXXX treatment facility ) .This latest error is a result of the Experian " investigation '' of my original dispute. This is a credit union visa credit card account, not a medical related account. My original dispute issue also has not been corrected. That issue is that Experian is listing my XXXX digit credit union member ID number, instead of the XXXX digit XXXX credit card number that would accurately identify the account that they are actually reporting on. 
3. My XXXX XXXX XXXX XXXX Credit card is misidentified by Experian by using my XXXX digit credit union id number instead of the XXXX digit XXXX Credit card number that actually identifies the credit card they are reporting on. 
This issue was brought to my attention by a failed attempt by the Social Security Administration to confirm my identity by having me enter a XXXX digit major credit card number. Social Security uses Experian to verify identify, even though ( in my case ) Experian does not associate XXXX digit XXXX account numbers with the XXXX cards that it reports on.
Consumer complaint received 2017-01-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: CORELOGIC INC (IL)

SafeRent CoreLogic AKA Corelogic XXXX XXXX XXXX is presently reporting false information on their consumer file relative to my rental history. They are falsely reporting a judgment in excess of {$16000.00} for XXXX XXXX XXXX in XXXX, Texas. I have attempted to contact them by both phone and mail to dispute this matter and I have received absolutely no response or resolve from them. I have also had my attorney to contact the court where the judgment was supposedly filed and the court 's response was that the XXXX XXXX XXXX attempted to file an erroneous eviction and judgment against me, but the case was dismissed and a judgment was never issued. How SafeRent CoreLogic AKA Corelogic XXXX obtained the false information is unknown. I am asking that the CFPB investigate them for negligence due to falsely reporting information regarding my consumer activities. I am unable to upload any copy of my consumer report because SafeRent CoreLogic AKA CoreLogic XXXX XXXX XXXX has not responded to my XXXX XXXX, 2016 request for a copy of the report.
Consumer complaint received 2015-08-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

I found a collection record in my credit report for {$35.00} without any notices from XXXX XXXX XXXX in XXXX XXXX 2014. They said the only way to remove it from my report is to pay if off. I paid it off but it 's still show in my record.
Consumer complaint received 2017-01-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (TX)

I sent a letter XXXX XXXX, 2016 asking for an investigation into what I believe are mistakes on my credit report things I do not recall or recognize. It has been 2 months and they have not responded to me. I read on the Internet that they were supposed to answer in 30 days, so now I am very upset.
Consumer complaint received 2016-07-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (VA)

XXXX and XXXX have both removed the judgments from my credit report due to inaccurate reporting. I am asking that Experian do the same, as the judgments were never reported as satisfied under XXXX v. Equifax Information Services, LLC Civil Action No. XXXX and XXXX XXXX XXXX v. XXXX XXXX XXXX , Case No. XXXX, U.S. District Court, XXXX District of Virginia. Both credit reporting agencies have removed the judgments for reporting them inaccurately.