davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-15
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Computer Credit, Inc. (NY)

I went to get a CT scan at the XXXX XXXX XXXX Hospital. They called the insurance company to get pre approval. I asked the woman who called the insurance company and she said yes you are approved. I further asked her if I owed anything and she said no. When I called the collections dept at XXXX the woman was belligerent and said well the woman never said you were covered 100 % - she quibbled over words but to me not owing anything and 100 % is a difference without distinction. The fact is that the lady who called the insurance company was an agent of the hospital. When I asked her professional opinion she gave me the wrong information. They are telling me I owe them XXXX which is unfair b/c had I known that I would owe my own money toward the service I never would have had it done. I am deeply troubled by their comments/attitude/lack of knowledge. If someone deals with insurance companies and are asked if they are 'covered ' and if I would owe anything than their answer should be able to be relied upon.
Consumer complaint received 2015-12-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Portfolio Recovery has been calling my work several times a week since I cleared my credit report of false reports and debts with a company called XXXX XXXX XXXX. They sent a notice stating that I owed them- Portfolio Recovery- a sum of over {$17000.00}. This is false. The agent that I spoke to said that this is an old credit card debt that has passed the statute of limitations and can not be sued for. The agent would not listen to me stating that I do not owe them this money, the debt is not mine, to stop calling me and cease all communications. He continued to interrogate me with personal and financial questions, I refused to continue answering him beyond my name, address and birthdate. He kept trying to prevent me from speaking, talked over me and I demanded mail me proof that it was my debt and that I did owe his company so that I may give it to my attorney because I do not. I get approximately 2-3 calls a day at work and the mail is also delivered to my office.
Consumer complaint received 2015-07-16
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: FIRST CITIZENS BANCSHARES, INC. (FL)

On Monday, we got a phonecall from the person ( XXXX XXXX ) who did the appraisal on our property at the request of First Citizens Bank & Trust - North Carolina. He informed us that the appraisal was inaccurate and that he 'd notified the bank. The bank was however trying to fool us into believing the appriasal was accurate. XXXX XXXX said he would refund the money we paid the bank for the appraisal. He 'd made the same offer to the bank, but the bank refused to take it. As a result of the bank 's desception we have lost the house we were going to build on our property, lost the builder, lost the downpayment, and lost the loan application fee. Not to mention, losing a year now that it 's XXXX and they 've been pulling this scam on us since XX/XX/XXXX. 
Resolution ... .I 'd like to see the bank lose it 's license to do business in North Carolina and plan to also file this complaint with the State 's Bank Commissioner.
Consumer complaint received 2016-02-15
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (CT)

Caine and Weiner claim I owe XXXX for a Progressive policy that was paid via money order, the amount is also incorrect. I do not have a copy of money order to provide as it was paid well over a month ago. I believe the amount paid was in the XXXX range, not sure. I do not know how they come to an amount of XXXX.
Consumer complaint received 2016-01-28
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: MB FINANCIAL, INC. (IL)

The bank overcharged me for a service on my debit acct. I called the bank and tried to rectify the situation : I am a XXXX XXXX and I went to their branch office and tried to put the money an ATM and the bank did not have a machine for me to put in the funds. And then, I called them and asked them if I could put the money in by the closing of the business day and they refused. I want my overcharge removed from my acct. I was not treated appropriately.
Consumer complaint received 2016-02-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC (CA)

RE ; Fay Servicing LLC-Loan Account # XXXX To whom it may concern, I just received the following letter from Fay Servicing and i am really upset with all the misleading information that XXXX XXXX is providing us. 
Over a year ago i requested for help under the XXXX Short Sale Program due to my hardship, As of XXXX 2015 my realtor finally got an approval on the XXXX Short Sale however the buyer was not able to get prequalified due to his income. The same month XXXX XXXX told me that my realtor was not acting in good faith and therefore if i want them to review my XXXX Short Sale i will have to look for another Realtor. 
So i did like XXXX XXXX from Fay Servicing told, i went and got a new Realtor. Now the new Realtor XXXX has been working on the account since XXXX XXXX as of XXXX/XXXX/15 Fay Servicing LLC/ XXXX XXXX stated that they issued an approval however the approval was received until XXXX/XXXX/XXXX giving us less than 10 days to close. At that moment my realtor told me it was n't enough time to close and he will be requesting for at least 10 more days to get the escrow finally done. 
Since then XXXX XXXX XXXX refuses to answer my realtor 's calls or emails, we requested for her manager and XXXX License Number and now she does n't even answer our calls. After 3 months trying to get a manager we finally got transfer to XXXX XXXX ( Senior Vice President ) who stated he will not issue the extension or any review because of my background. 
I am starting to believe that XXXX are trying to manipulate and take away my home. I dont know what to do now, please Im begin for your help. 



XXXX XXXX
Consumer complaint received 2015-07-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I have purchased my home in XXXX 2003. My original mortgage was at XXXX and had a PMI of {$270.00}. I borrowed XXXX I have purchased my home in XXXX 2003. My original mortgage was at XXXX and had a PMI of {$270.00}. I borrowed {$110000.00} I currently owe more than I borrowed and have given lump-sum payments of {$10000.00} {$5600.00} and XXXX loan of XXXX. Although I had missed payments in the past I always pay the lump sum they asked to bring Current. My mortgage has been with fa my mortgage has been with Bank of America they stated they have given me a modification down to 5 % I have always paid lump sums to catch up but I currently after XXXX years in the home owe more than I borrowed. Bank of America they stated they have given me a modification down to 5 % I have always paid lump sums to catch up but I currently after XXXX years in the home I know more than I borrowed XXXX years ago I have received no help from bank of America. I need help. I know more than I borrowed XXXX years ago I have received no help from bank of America. I need help They have improperly reported my credit. Plus jduring the course of the loan I was paying more than the original amount of XXXX per month. I can be reached at XXXX XXXX or XXXXXXXXXXXX
Consumer complaint received 2015-06-01
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: SYNCHRONY FINANCIAL (CA)

I signed up for a program with Synchrony Bank. Phone number XXXX. 
The program gave me six months with zero interest. The amount I borrowed was {$990.00}. 
I went to pay my bill today, and the bill I was presented with was {$1000.00}. 
Today is XXXX. The loan was taken on XXXX. This means their salesmen are sorely untrained and not properly educated as to their sales practices, or it is highway robbery committed against my person. This can not stand. They can not steal from their customers like this. Refund my unjust interest!
Consumer complaint received 2015-12-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I made arrangements with XXXX bank that during the months of XXXX through XXXX I would pay XXXX per certain months that my account would be listed as current. This is in regard to credit card XXXX XXXX XXXX XXXX my account should be listed current XXXX through XXXX XXXX. I called XXXX and they agree and told me to dispute this my email address is XXXXXXXXXXXX phone XXXX please reach out and tell me what I need to do
Consumer complaint received 2016-01-06
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (MI)

We filed a Complaint # XXXX with your office against Green Tree Servicing for harassment and Illegal debt collection practices in XXXX 2014 and you closed our case, and then the XXXX fined this company over XXXX XXXX dollars. We are confused as to how our case was closed when we have still taped recordings of the harassment, as well as, the improper and illegal collection practices they used. In addition, this company has now added double the debt to our credit reports and completely tarnished our credit. This company has now changed it 's name and is continuing their deceptive practices. We were denied a loan modification even after we were approved for the HOPE with XXXX XXXX our XXXX Mortgage.
Consumer complaint received 2016-03-18
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO. (PA)

I have been told the payment has n't posted but I have mailed the payment two weeks ago. I have had a problem with Amazon Chase before with excessive overdraft fees. I do n't know when the next problem with this company will happen. Please help me to close the account without financial hard ship. Please I need help with this credit company.
Consumer complaint received 2015-12-23
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (CA)

Santander Consumer USA is the lender : The short story is we bought a car a 2010 XXXX XXXX for {$18.00} on XXXX, the loan was set at XXXX percent interest. Since that time we have been late almost every Month with hardships after getting laid off. They repo 'd the car and chrged us an extra XXXX repo fee. 
My wife was n't making the payments and I was giving her money to make them, they repo 'd me again last month and charged me more lates fees and a XXXX dollar repo fee again. Now XXXX the bank says I owe XXXX for a car that only blue books for XXXX. and they wont work with me on a buy out for a lesser amount they wont waive fees or work with me at all. I want to let them take the car but I know that wont help my credit history and they will come back and say I owe them more new late fees and maybe XXXX. They do n't keep the records correct the statements are a mess, the company has many many many complaints. Why is our Government allowing Santander to do this to hard working Americans? The car will cost me over {$400000.00} by the time I pay it off and it 's only worth XXXX. What a joke our system is to even allow this kind of robbery. I offered them XXXX to pay it off and they refused? XXXX XXXX? Are they from XXXX? This is why we have people trying to beat the system because the system is not working for the people. If anyone looked at my account they would see that I am being taken to the cleaners. I need help please. Thank you. XXXX XXXX
Consumer complaint received 2015-09-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company (MA)

Since XXXX I have been trying to pay my mortgage to Statebridge Company, LLC and trying to find out about the unexplained mortgage increase plus an extra {$27.00} charge no one can explain. I have called several time over the past few days and no one answers the phone and the general mail box is full ( XXXX ) and can not take messages and I get disconnected. I have gone through their employee directory and dialed every extension and no one answers the phone and each voice mail states that if you leave multiple messages that will delay the call back time. My mortgage payment for the month on XXXX still has not been applied to my account and I ca n't get hold of anyone to resolve the issue and get my payments applied to my account.
Consumer complaint received 2016-01-29
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: ResidentCollect, Inc. (IN)

I responded per the FDCP Act Validations of debts with a phone call. I attempted to advise the company that this is an open court case that has no decision for any debt owed. I was told I had no rights unless I was an attorney. When I read the Fair Credit Act I was told they would continue to collect in violation of my call. The letter is dated XXXX/XXXX/2016 and my call was placed XXXX/XXXX/2016 after receiving the mailing. The representative first did not identify herself then said her name was XXXX. When I told her she was violating the act and my rights as a consumer requesting to speak with a supervisor, she placed me on hold and then came back and hung up. When I called back the phone call was sent to voice mail and I did leave a message letting them again know this was an unlawful harassment and that I did not consent to third party involvement in an open court case and that it required settlement in court.
Consumer complaint received 2016-03-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Weltman, Weinberg & Reis Co., L.P.A. (AL)

I keep getting calls from the collector of my student loan, Weltman Weinber & Associates, at very inconvenient times, before XXXX on weekdays. I have filed a complaint with them before through the Ohio XXXX and they had agreed to stop the calls. However ; their calls continue to be placed very early in the morning. I want this level of harassment to stop and to communicate with them only through mail at this time.
Consumer complaint received 2016-01-06
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (IL)

I was emailed a marketing message from Citibank stating that I may be eligible for a credit limit increase and that " a credit bureau inquiry is not required ''. I followed the steps and applied for a credit limit increase but Citibank still pulled my credit report and created an inquiry on all XXXX bureaus anyway. I have since contacted Citibank to try to rectify the issue but they have told me that they will not remove the inquiry because " their message must have told me that they would be pulling my credit '' even though I have proof that it says the opposite. I believe this clearly represents a XXXX violation as they deceived me by stating that my credit would not be affected and it subsequently was.
Consumer complaint received 2016-03-17
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

I filed a complaint on Toyota Motor for reporting inaccurate payment information on my credit and dropping my scores tremendously and defaming my character. They answered untruly and I am not able to log in to provide proof from my bank showing that I was not 30, 60, 90 or 120 days late on my payments nor did any of my checks get returned unpaid. 
Toyota removed 3 of the late payments but reported them as unknown. I made my payments and they need to report it. Please help me with this matter
Consumer complaint received 2015-12-25
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: World Acceptance Corporation (GA)

I have now defaulted on a loan with World Finance Corporation. When I attempted to make a partial payment. The lender returned the partial check via mail refusing the partial payment. Now they are attempting to collect and contacting my leasing office as well as my employer to gather information on me. Both the document sent to my landlord and employer are falsified. The document that I completed at the time of receiving the loan were not the same documents that were submitted to my landlord and employer. The area in which you give authorization to collect such documents is from another document that I signed. Those documents were not amongst the original documents that I filled out. Therefore, I believe that they duplicated my signature in order to collect information about my address and employer.
Consumer complaint received 2015-11-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MD)

In XXXX of XXXX, Ocwen Mortgage increased my monthly mortgage payment from {$2100.00} a month to {$2400.00} month, an increased difference of {$330.00}. I contacted OCWEN customer service and they claim that the increased was for a data analysis of my account, which was not performed in XXXX non-payment of approximately XXXX from escrow account ( homeowner insurance and county property taxes ). Although I have had Ocwen as my mortgage company since the beginning of XXXX and they had made payments to the insurance company and county through the escrow account since XXXX and I have incorporated the escrow in my mortgage payments and have paid my mortgage on time to Ocwen since XXXX. Ocwen claim that my escrow account was in the negative and the increase was required to pay the balance of the escrow of {$3400.00}. This recent increase in escrow payment does not appear to be legitimate and shows that fraud is occurring within Ocwen. The explanation by the Ocwen representative did not make any sense, since payments are suppose to be paid each year to the insurance company and county and has been paid my mortgage holders, since I purchased my house in XXXX of XXXX. I have never heard of any mortgage company increasing an escrow account by this much and let alone indicating that my account was in the negative, when payments are being made to pay for the escrow accounts.
Consumer complaint received 2016-01-08
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

I am unable to open a checking account in the United States. For many years I banked with XXXX XXXX XXXX. I would have double charges on my account by many merchants ( I believe it was the merchants that XXXX XXXX XXXX worked with or furnished access devices to ). I could not stop the double charges. The unauthorized charges then would lead to large fees and overdraft payments that were not correct to begin with. 

I decided to change bank accounts many times and the double charges by merchants followed me. The double charges were different depending on the bank. Banks and Merchants work together. Banks are required to furnish access devices to the merchants. I would see double charges with merchants that the bank would the banks furnished access devices or electronic payment devices to. For example XXXX XXXX XXXX furnishes electronic access payment device to its merchant XXXX, and I would see double charges on my XXXX XXXX XXXX account with merchants that XXXX furnishes the device to. 

When I would switch bank double charges would show up with new merchants, usually the merchants affiliated with the corresponding bank. I believe the bank then changes the statements to make it look like the customer used there pin with the card. 

I want to be paid back in full, plus interest, I want the bank and merchant to be FINED. I want to collect a portion of this. This banking FRAUD, DOUBLE charges, Excess fees, unauthorized transactions have destroyed my life. I have lost everything for looking into this. 

I have contacted endless government agencies including local and federal policing agencies. I have tried to hire an attorney to fight against these banks. As soon as I get organized and get my statements together, I get stuck. I moved out of my home XX/XX/2012 and moved into hotels thinking the banking nightmare would stop. It continued and got worse. The hotels then double charged me. I would fight with the hotels asking for charges to be reversed. I would call the bank and neither the bank nor the merchant would return the money or fees involved. 

Here is the letter with a snap shot of what has been going on. I am waiting on new statements from all banks to send to your agency. I have been contacting every other agency without understanding who to contact. 

This letter is to Checks Systems with a snap shot of the banking nightmare. The letter also includes all the government agencies that I have contacted. 

I need to be able to open a checking account. I am a very wealthy individual and would never overdraw my account. Please take a look at this. 








followed me to every bank I opened. I have contacted all the federal agency 's
Consumer complaint received 2015-12-22
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (CT)

I went on experians web site to get my free credit report and fill out what they needed and answered questions that seemed to be inaccurate and then was denied and asked to mail in my request. i had the same issue with equifax and currently have a dispute going with them seems the information they have is wrong or they wish to discourage people from being able to get there report for free
Consumer complaint received 2016-02-15
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL (NY)

I was at my XXXX was XXXX and my bill was high, they offered me carecredit company they said to me it 0 interest for 6 month and i did signed up. 
I was making payments every month but wasnt enough to finish all the amount i took from the card. 
After the 6 month 0 interest pormotion finished the company has charged me over XXXX dollars almost XXXX for the first 6 month which is the pormotion period. 
How come its pormotion and 0 interest and now they say cause i didnt pay in full before 6 month they charge me past 6 month which should be 0 interest. 
They scame they didnt explain this when i signed up for this card.