davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-02
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (OH)

I told First Merit Bank employees on XXXX XXXX that my wife and I would file complaints against it with the CFPB. Simultaneously, I presented a corporate dividend check for {$3.00}, cashed it, and then deposited the money into my checking account, as has been the pattern I have utilized cashing and depositing for the past five years. However, in retaliation, First Merit Bank employees at the XXXX XXXX, Ohio, branch afterwards put a hold on the check. Since no holds were ever placed previously on at least 99 % of my checks, it is obvious that First Merit Bank maliciously placed the hold in retaliation. Moreover, no employee of the bank notified me that there would be a hold placed on the {$3.00} check. First Merit Bank 's practices are against the interest of the public From the bank 's website re my account :. Date Type Description Withdrawal HoldXX/XX/XXXX HOLD {$3.00} HOLD ON {$3.00} DEPOSIT {$3.00}
Consumer complaint received 2015-09-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Medical Society Business Services, Inc. (AZ)

getting repeated calls from debt collection company, Bureau of Medical Economics ( that blocks their caller ID number, but I got the agent to give me their number : XXXX ) It is for a supposed medical procedure done by XXXX XXXX XXXX, XXXX that the company agrees is NOT a valid charge. They must have then sold the " supposed debt '' to this collection agency!!
Consumer complaint received 2015-11-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (IL)

I was contacted by Amsher Collection Agency via phone. I verbally requested the details of the debt mailed to me. The caller requested my credit card information after refusing to give me any details, stating only that this was for a previous debt and that I had already received written communication. I stated that I had not received any form of written communication showing I owed a debt, but that I would definitely pay if I truly owed anything. I again requested the details of the debt mailed to me, only to have the caller insult me and demand my credit card information. I once again requested the details of the debt mailed to me, requested that my phone number be put on their " do not call '' list, and disconnected. 
I have been receiving XXXX to XXXX calls a day, Monday through Friday, from Amsher Collection Agency. I have sent XXXX certified letters requesting the details of the debt as well as placing my phone number on their " do not call '' list. The harassment from Amsher Collection Agency has not ceased.
Consumer complaint received 2015-09-11
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

Bank of america charged a late fees ( XXXX ) and interest of ( XXXX ) on XXXX missed payment of ( XXXX ) .. I called and got the late fees reversed and paid off all the purchases ( XXXX ) ... I was under the impression they would reverse the interest charges but it turns out they did not. I did not look at the account after that as I did not make any new purchases. To my shock i saw my credit score drop by XXXX points due to XXXX day past due balance of XXXX on this account ... when I looked at the statements I found Bofa charged {$1.00} per month on the outstanding interest of $ XXXX two months..this on an APR basis is more than 120 % ... .I can afford to pay this and that is not my problem ... but my problem is with these hidden minimum interest charges which result in such high APRs ... even though the disclosures state the maximum they charge on a delinquent account is 29.99 % ... there has to be some rule against this loop hole where banks can charge interest over interest ... at rates that are so high ... this can impact a lot of vulnerable people who do not understand this. This applies to the whole credit card industry .... 
I called Bofa XXXX times today to resolve this but they did not reverse the interest charges. I guess this is all covered in disclosures but there needs to be some common sense built in.
Consumer complaint received 2015-11-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (AL)

This is the XXXX complaint my husband and myself are filing against Ocwen Loan servicing.LLC. At the time of our first complaint we did not have the title document. I received it from our new lender. I faxed it with the property address to XXXX. And got no response. I emailed it not once but twice with the property address to XXXXXXXXXXXX. I received an email stating this was an active aaccount. Ocwen caused us to have to go with a higher interest rate and caused my husband 's credit rating to drop XXXX points. We should have closed in time to pay our sons tution, but did not. Had to take a personal loan witha high interest rate to pay. it. I feel the least they can do is restore our my husband 's credit rating. I am uploading the title document, email from Ocwen, the Lien release dated XXXX/XXXX/14 and the new bill hey sent dated XXXX. I also spoke with XXXX XXXX and sent him the information and was promised a responce and never got it.
Consumer complaint received 2015-10-29
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (FL)

I received a letter from JPMorgan Chase Visa on XXXX/XXXX/2015 regarding a change in credit terms. Letter was dated XXXX/XXXX/2015, effective XXXX/XXXX/2015. Is there not a regulation regarding appropriate notice regarding changes in terms? In addition, interest rate went from 9.90+prime to 21.74+prime for new transactions for no apparent reason. No violation in original terms.
Consumer complaint received 2024-11-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (TX)

I was in the hospital for an emergency XXXX for XXXX  days and requested banks help on their overdraft fees that charged which is over XXXX on my account I have requested them to help so we can make my account whole and they said no. I have paperwork from the hospital and begged them for help they still turned me down the manger XXXX in the customer service center still did not care of the situation or my situation and said its not the banks fault its my fault and we will not waive any fees at this time
Consumer complaint received 2015-10-30
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (GA)

Suntrust made a fraudulent transfer from one of our accounts to the other, leaving us with less than {$30.00} to survive. Here 's what happened. 
A few months back I lost my job while my husband was in the midst of looking for stable employment. We had XXXX accounts with Suntrust ; XXXX fell behind while we were trying to get back on our feet. We received correspondence from Suntrust letting us know the account was behind and by how much. We went into the branch to communicate our situation with Suntrust and to freeze that account, with the understanding we would make a payment arrangement. We also asked that the Overdraft Protection be removed from both accounts. 
We were assured that this would be sufficient to prevent any withdrawals or activity in the frozen account while we get back on our feet. Last week, we noticed a " transfer '' from the active account to the frozen one. This caused our account to be overdrawn and charged the {$36.00} fee ( which was NOT supposed to be charged since they were supposed to have removed the overdraft protection ). We immediately reported it as fraud. The XXXX was credited back. It seemed that all was well. 
This week, before paying a bill, I checked our active account, and there was less than {$30.00} in it. The entire balance had been transfered to the " frozen '' account without or knowledge or permission. 
I went to the branch to speak with the manager -- she profusely apologized and gave me the number for the credit department. It seemed that none of the efforts we had made to set up a payment arrangement had been documented by any of the agents we corresponded with. When I called the credit department, I was told there was nothing they could do. Meanwhile, our rent, and car payments are behind and in serious jeopardy. This could not have happened at the worst time. 
In short, I am reporting this because Suntrust seems to have gotten so " large '' that the right hand does not know what the left hand is doing. There is no accountability.
Consumer complaint received 2015-10-31
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: COMMUNITY CHOICE FINANCIAL, INC. (TN)

Essy money I have an loan out. Yes I 'm late 4 days. The first time someone called me from the corporate office I told them I would be in on my next payday which is XXXX XXXX she told me she could n't stop it from going to my account again. I said ok. She told me she would enter it in the system. Someone called me back to back the next day from a different number from the day before. I picked up and she asked if this was me.. I told her yes could I call her back I was with an customer at work. She told me no you can not. I asked who she was with and she told me easy money. I told her someone contacted me yesterday she interrupted me and tod me I needed to pay and I can use a debit card!! They need to get it together. I work for an loan agency when someone puts a promise to pay we can not keep calling them once we contact them. Unprofessional
Consumer complaint received 2015-09-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have an alleged XXXX account for XXXX on my Transunion credit report.I have disputed this account several times with Transunion as I have not received notice of debt or notification of my right to dispute. Furthermore, the information reported on the Transunion credit file regarding date of first delinquency varies from the other reports. I have attached copies of each report to support this claim. 
XXXX DOFD - XXXX DOFD - XX/XX/XXXXTransunion DOFD - XX/XX/XXXXThe FCRA requires that accurate information be reported to each Bureau and that each Bureau reports accurately. At this point it is clear Transunion is allowing this inaccurate and damaging information to be reported on my file when obviously it is not correct. The date of first delinquency is a single, historical point an account first came delinquent and can not vary between bureaus. At this point I hold Transunion responsible for reporting this information and for removing it from my credit file. My legal rights as a consumer entitle me to compensation for any damages caused by this information reflecting on my credit file.
Consumer complaint received 2015-09-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (MS)

Experian will not investigate those collection items XXXX XXXX In which all should be deleted it has been over 7 years and they are still reporting these accounts. There is also XXXX bankruptcy on my file which do not belongs to me should be deleted. XXXX and XXXX are not reporting those bankruptcy neither collection items accept XXXX XXXX XXXX.
Consumer complaint received 2015-09-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

TransUnion is adding a Personal Statement to my credit report with no supporting documentation, rationale or directive. 

1. Transunion - please provide your rational for adding the following statement to my report. 
" Statement added because consumer was a victim of true-name fraud : # XXXX # XXXX " 2. After you have provided the reasoning for adding this details, delete this unsupported document.
Consumer complaint received 2015-04-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: Franklin Collection Service, Inc. (ID)

Franklin Collection Services has been reporting on my credit reports for several years now. I have received some letters from them while back with some references to garnishing my wages and seize my bank account knowing that I get social security. I tole them before they cant take my bank account. Also they are collecting from XX/XX/XXXX or XX/XX/XXXX for {$450.00} for a accunt for XXXX which another company has been collecting as the same time. XXXX owes me money ( and XXXX of other consumers ) for fraudulenty adding false charges on their statements. There is a class action suit. I disputed tis Franklin Collection Services with credit bureaus and it keeps coming back as reported correctly. That s wrong. XXXX told me to contact Franklin but they are not responding. Also I am an official ID Theft Victim.
Consumer complaint received 2015-04-09
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: MST Financial Services, L.L.C. (IA)

I had a XXXX XXXX in XXXX 2013. I had no medical coverage so I applied for grant coverage for the hospital bill. I had outside bills such as the doctor, XXXX and XXXX. I paid the bill of {$1700.00} to the XXXX. I called the phone # given to me from the collection dept. When I called that number they said they could not look me up XXXX the bill is sent to collections but if I wanted to backtrack to call the hospital. I did that but only got the answering machine and left a message. I have not heard back from them yet. Another issue is I have moved XXXX since the time of XXXX and have left forwarding addresses. I never received a bill or letter stating I owe this amount and why. I am signed up with Credit Karma and they alerted me by email that there is unfavorable activity on my credit report. That is how I found out it was Chapman Financial who turned me over to collections. I looked up their phone # online and called them. I just received a letter for the collections yesterday. What is the best way to dispute this and get it off my credit report?
Consumer complaint received 2015-11-02
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (NV)

This Complaint is filed against the US Bank XXXX XXXX XXXX, XXXX XXXX, Nevada, for the continued harassment made against my checking account 's Overdraft Coverage since XXXX XXXX, 2015 and continues. On XXXX XXXX, 2015 several overcharging Overdraft Fees, of {$36.00} each and an Extended Overdraft Fee {$25.00} were refunded to my account because the US Bank already have collected such fees. Consequently, the action made by the US Bank to overcharge my Checking Account with additional fees demostrates a desire to inflict me with personal harm that have caused XXXX. Please, note that the US Bank have fully responsability to manage my Checking Account with accurate information as is demanded by State and Federal laws.
Consumer complaint received 2015-04-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (GA)

I called Navient on XXXX XXXX, 2015 around XXXX in order to discuss a possible payment plan for my private loans. A woman whose name was XXXX ( Employee # : XXXX ) agreed to assist me. During my call, I endured some of the worst customer service ever. XXXX was extremely rude to me, and she said if I was unhappy with her customer service skills, then " what I can do ... is pay these x amount of dollars so that I would n't even have to speak to her. '' Her tone was incredibly unprofessional, and while we were on the phone, I could hear her coworkers laughing in the background after every response. I know calls are typically monitored and recorded for quality assurance, but with her very nasty attitude, I fear she may have turned off the recorder before all of her rude comments/remarks ensued. When I addressed her unprofessionalism, she snidely asks " have you even worked in customer service? '' and I say " No, I have n't ; however, I have dealt with several customer service representatives, and I can assure you I was treated a lot better than you are treating me right now. '' Her response was that " if I did n't like the way I was speaking to her, then I could just give her a XXXX score in her customer service survey '' and that next time I call someone who is trying to " help me, '' then I need to make sure that I am " in a better mood. '' She spoke over me for much of the phone call and ultimately hung up on me after she spoke her peace. Never in my life have I been treated this way on a professional phone call.
Consumer complaint received 2015-09-11
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (VA)

Calling every XXXX or XXXX, I spoke with an agent, said I would make payment over the internet. This was agreed with the agent since I do not give my personal information to persons who direct call me regardless of the phone number that is calling. I then proceeded to the website and made a payment within minutes of speaking to the agent. I also at that time requested they not contact me with auto dialed collection calls. XXXX Hours later I received an automated call. I then hung up, and called the company and got in touch with another agent and stated that I have a pending payment on record, and to please stop calling me. He stated that they would not stop calling me unless I wanted to make another payment over the phone. At which point I brought up my stance on giving information over the phone and the fact that if they called me once in a day that I would most likely not have additional money the XXXX, XXXX, XXXX, XXXX, or XXXX time during the day. He then stated that they could call at least XXXX times in the day with no penalty. That in my book is still harassment. I could understand XXXX or XXXX with the possibility of having missed XXXX of the calls, but XXXX?! I would like something to be done about this. It is not right for a loan collector to harass someone into payment. Not only that but when you call them they are less than cooperative with an attitude.
Consumer complaint received 2015-09-11
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (DC)

Mortgagee is refusing to release insurance funds to contractor to start work on my house which was destroyed by fire in XXXX 2014. There was a partial explanation as to why this is happening and we have been unable to get an audience with the XXXX XXXX XXXX XXXX XXXX Dept. after numerous calls for an explanation. Each department claimed that the issue was to resolved by the other and no one took responsibility for taking care of this matter. They stopped taking the monthly debit payments without an explanation and refused to take a payment by check for several XXXX dollars which was taken to them in person. According to them, fees of some type was omitted when our modification was negotiated with XXXX which was denied an adjustment at that time and now they are apparently trying to add to our forced arrears. XXXX XXXX '' ]
Consumer complaint received 2015-04-08
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: JPMORGAN CHASE & CO. (TX)

I received numerous phone calls from a debt collection company attempting to collect for -- Providian credit card as I found out later. I do not know the name of the company that was calling because they were mispresenting themselves as legal representation. The phone number they ( debt collection company ) were calling me from was XXXX. The message this company was leaving on my phone stated. " Your social security number has been named in fraudulent activity. You will be summoned at your place of employment or your residence, and you will have XXXX counts of fraud filed against you in your county. If you do not respond you will lose all rights to your legal rights. They then leave a case number and the phone number mentioned above to call. When I called the number it turns out to be this Providian credit card account they are trying to collect for, and nothing to do with any fraudulent activity surrounding social security fraud. When I questioned the representative about this, he merely answered " same thing ''. When I asked them to remove my phone number from their list. The representative hung up on me.
Consumer complaint received 2015-04-08
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (FL)

1. The property was purchased on XXXX XXXX, XX/XX/XXXX2. An escrow account was setup and paid in full for the XXXX year. 
3. Chase purchased the mortgage from XXXX XXXX in XXXX of XXXX. 
4. Chase was pulling from the escrow account every month to pay for insurance, mortgage insurance, and taxes. 
5. In XXXX XXXX, Chase paid the insurance and taxes on the property causing our escrow amount to be in the negative. 
6. We received a letter of deficiency in our escrow account. 
7. We called Chase to inquire and pay off the deficiency. We were told the deficiency in the escrow account was from taxes owed in arrears from XXXX, we did not own the property until XXXX XXXX. 
8. We were allowed to pay the deficiency, but our mortgage payment still increased. 
9. When asked why the mortgage payment was still increasing if we paid the tax deficiency we were told because there is a second deficiency for XXXX. We asked to pay that deficiency in full as well to keep the mortgage payment at the same amount. 
10. We were told that we could not pay the XXXX deficiency. 
11. We asked to see the closing documents that Chase had received from XXXX. 
12. No where in the documents that Chase received from XXXX XXXX does it show taxes being owed in arrears from XXXX. Additionally, when we purchased the property, it was determined all taxes were paid to date on the property.
Consumer complaint received 2015-09-10
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (VA)

They are calling in reference to a loan I cosigned for my granddaughter. I have informed them that my granddaughter will not answer my phone calls or text messages about this debt and I am on now XXXX years old, receiving social security, and have XXXX and can not handle the stress of the continuous calls. They called me XXXX times on Saturday even though I have asked them repeatedly to stop calling me.
Consumer complaint received 2015-11-02
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Pressler & Pressler, LLP (PA)

In 2003 I got a divorce, at the same time my husband filed for bankruptcy. Shortly after I had a judgement on my credit report for a debt XXXX for my X husband 's credit card. I disputed for years finally it was off my credit. Recently the debt collector filed a writ of revival. I tried to hire a lawyer however the cost of lawyer was more than the debt. This is not my debt, I never gave them my social security number. At this point I do n't know what to do.