davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-10
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION (GA)

When we opened our accounts with BB & T, we chose to opt out of overdraft protection. On XXXX/XXXX/15, we had XXXX in our account, not enough funds to cover a purchase made to XXXX. BB & T paid for the purchase and charged us an overdraft fee. The charge should have been declined. 

The purchase was paid with the wrong card on file at XXXX. 

BB & T reorders transactions, paying checks last in order to maximize overdraft fees. This system renders the opt out for payment of debit card transaction useless to the consumer. If checks were paid XXXX or in order, then BB & T would have to decline ACH and debit transactions for lack of funds and the consumer would avoid overdraft fees.
Consumer complaint received 2015-05-11
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: SUMMIT FUNDING, INC. (CA)

I have a FICO score of XXXX. My only debt is $ XXXX on a property that just appraised for $ XXXX. I have a XXXX figure guaranteed income. I am looking to refinance my existing property to purchase a XXXX home. I contacted Summit Funding who advertises to be associated with XXXX, who pays my retirement. The loan agent has engaged in bait and switch ( offering closing costs at {$1800.00} on the phone, then providing a GFE that was almost XXXX that ). They stonewalled on the appraisal, promising a turnaround of XXXX days which ended up being XXXX. They have caused one delay after another. They offered a rate lock of XXXX days, knowing they would stall long beyond that ( we are now nearly XXXX days into the game ). Their rate lock agreement says that if the lock expires they will only raise but not lower rates ( again knowing that they would stall beyond the lock period ). I just contacted XXXX to file a complaint, only to be told that they terminated their home loan program in XXXX 2010, and that their program was thru another firm anyway. So now Summit Funding, by claiming association with XXXX, has committed outright fraud.
Consumer complaint received 2015-10-23
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc. (NM)

On XXXX XXXX 2015 i contacted Experian 's dispute department. I explained that I need to have the statement about calling me to verify new accounts before they are opened removed, because the telephone number on there is not a valid number any more. I was sent a confirmation email with a report number ( XXXX ) and Investigation ID XXXX. The email told me to wait four days for my credit report to be updated and corrected. I contacted them again a few weeks later and received a letter of notification in the mail stating that the statement was deleted. When I contacted XXXX on XXXX XXXX, I was told that the statement is still there and I could not open an account unless I could be contacted at the number on my credit report, which is a number I have not had for years. I called Experian for a third time on XXXX XXXX and was told they would look into it and contact me by Thursday, XXXX XXXX. I still have n't heard anything.
Consumer complaint received 2015-05-11
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: ENCORE CAPITAL GROUP INC. (MN)

There is a previous complaint about this company from me. I am writing because my parent 's savings account was levied by XXXX XXXX XXXX. The bank got their notice on XXXX XXXX, mine was n't mailed until XXXX XXXX. I received the paperwork on XXXX XXXX, and the money was already removed before I had the chance to file an exemption. I also filed an exemption with this company on XXXX XXXX, 2015. The savings account that was levied only has my name on it in case something should happen to my parents. We are clearing that end up at the bank, but the fact remains that I was NOT allowed proper time to file my exemption with them before they sent the form to the bank. This happened once before, years ago, and I did file a complaint. 

I have been making my payments. They claim they did not receive the XXXX payment, and I know the first XXXX payment did n't make it through the bank so I immediately re-issued the payment and then continued on in XXXX. Their amounts do not reflect the proper amount owed on the account. 

I KNOW that they have to provide me with enough time to file my exemption in the case of a garnishment or account levy. They will claim it was a different account number, however, all amounts show the SAME account number. I feel I am being harassed nonstop by these people, after we have made an agreement. Please make them STOP!!!!! I am TRYING to get this debt cleared up, repeated attacks from them after we made an agreement are not helping!!!!! 

I am attaching documentation, however, I am not attaching every receipt, as you have all of that from my previous claim and I doubt that you want to read through it all again. I WILL provide it if necessary. I have provided the garnishment/levy notice, the date it was postmarked, the date the funds were levied from my PARENT 'S account and the original settlement letter. Please let me know if you need anything else. 

Thank you so much for your time!
Consumer complaint received 2015-05-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MA)

XXXX agreed with me and deleted the XXXX I think it was out of the XXXX that I disputed off my report but XXXX and Experian will not. Please help. They are from XX/XX/XXXX/XX/XX/XXXX and are over 10 years old
Consumer complaint received 2016-06-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Media Collections, Inc (MI)

Prior company account was closed, several times because they kept it open after several times me closing it, sent me multiple letters claiming a false amount owed, several times this is after i recieved written communication from representative that account was closed and amount owed was a total of {$210.00} they sent me letters stating over double was owed, i sent several communications with them advising that amount owed was false and needed correction before payment. company refused to respond and sent it to collections.
Consumer complaint received 2015-10-22
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: Empowerment Ventures, LLC (GA)

Hello, my name is XXXX XXXX my phone number is XXXX and email address is XXXXXXXXXXXX. 
First I would like to state that I have been a member with rushcard XXXX XX/XX/XXXX. On Monday XXXX XXXX they did a system update. i guess while updating there system a glitch happened. The glitch has left a lot of people unable to access there funds. i have not been able to access, y money sense the day of the update. i have not been able to put put gas in my car, pay for my child 's day care, get food and a number of other things. the most disappointing thing about it, when you call to speak with someone in regards to the issues, you cant speak with no one. I have waited on hold for hours and still the phone just hangs up. I am out of town working, with no family or anything so its really hard for me to get money. By the grace XXXX I have made it work for me adn my daughter who is XXXX years old. I have not been able to pay my car note or even the Insurance. I was subpoenaed to court XX/XX/XXXX XXXX and was n't able to make it to court because I could n't get a flight out of town, because I could n't get any money off my card. Now I have my finance company calling me about my car payment. I cant make a payment because I cant get my money. My car insurance is now canceled because I could n't pay the insurance. My daughter have n't been to day care because I have n't been able to pay. I cant get gas. I 'm also on probation, and have to pay probation fee 's XX/XX/XXXX or there will be a warrant for my arrest. This Rushcard system update has caused so many different problems. I just want to speak with someone to reassure me that everything is going to be okay. I have went days with out eating. I have went to a church to get food baskets and things like that. I have a XXXX year old daughter and I put her first always. Its getting cold XXXX, i cant even get her a coat to stay warm. I just need answers. 
Please can someone help me with this. i just need my money please. please.
Consumer complaint received 2015-10-23
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (SD)

paypal changed my account form regular paypal to paypal credit without myapplying for credit, then failed to send accurate statements so I did n't know I owedanything until fees started to add up..with XXXX dollars of purchases the bill isXXXXXXXX in 5 months ... when I called to complain I got the run around.. no resolution
Consumer complaint received 2015-05-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (FL)

XXXX XXXX account was closed on XXXX/XXXX/XXXX. I was never late. The account was transferred on XXXX/XXXX/XXXX to a unknown company, and is now reporting fause delinquency on XX/XX/XXXX. This is illegal. Im very tired of tying to fix my credit report. I want this account deleted from my credit report completely. It is showing on my Equifax report. XXXX does not own this account. its a junk debt company trying to reage my account to illegal collect on this account.
Consumer complaint received 2015-11-23
Product: Credit card — 
Issue: Billing disputes — 
Company: Colony Brands, Inc. (IL)

I got the information from credit report and was upset because I had tried to make payment arrangements with them, but they refused to accept arrangements and did not respond. I do n't feel that was fair as I offered what I could and they never, ever responded. When I would go to the automatic teller, it would get my information ; then reject it. I tried this several times.
Consumer complaint received 2015-06-15
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (TX)

XX/XX/2015 I received CareCredit preapproval XXXX for expected dental work which I was advised could present letter with XXXX forms of ID to any dental provider.
XX/XX/2015 I booked a "free" consultation XXXX.  I was given only XXXX plan of treatment estimated $XXXX  Advised XXXX dental office I need to discuss with husband prior to commitment.  Was advised by XXXX of need to make down payment on date of starting any work, that is when I showed him my preapproval which he took a picture with his phone and went to the computer and raised the credit line to XXXX without my approval.   I later learned he also charged the $XXXX and I now believe he presented a forged signature to CareCredit when I advised them I did not authorize this charge.  I XXXX notified Care Credit by phone XX/XX/XXXX of the charge not authorized but agreed to call back after talking to dentist to request he reverse the unauthorized charge which XXXX refused to do, so on XX/XX/XXXX I filed the unauthorized charges dispute with Care Credit and again on XX/XX/XXXX asked XXXX to reverse this charge for services not received and also requested he reverse fraudulent charges to my insurance company.  All of which he refused.
The folloup visit after the XX/XX/XXXX "free consultation" was on XX/XX/2015 - upon checkin was asked for down payment, advised would not make down payment for prior estimated plan as did not approve and arrived early to discuss other options
Was advised XXXX to go ahead with XXXX procedure XXXX and would fully discuss new treatment plan and understand all charges before left dental office that day.  Did not happen.
XXXX miscellaneous other work which I never understood or received any explanation of charges for even though I called several times between XX/XX/XXXX and XX/XX/XXXX and was only advised could make an appt on XX/XX/XXXX to speak with XXXX as he was only XXXX authorized to discuss my treatment and charges and was out of town until XX/XX/XXXX despite he filed claims XX/XX/XXXX and XX/XX/XXXX (very hurriedly) as he knew I did not approve of the preestimate given XX/XX/XXXX .
XXXX would not discuss alternate plan on XX/XX/XXXX stating it would cost additional XXXX to make any changes to plan.
XXXX has now presented to CareCredit XXXX stating offer to refund $XXXX and that $XXXX is for services rendered which are absolutley false.  Only work I can confirm is a XXXX estimated on original pre-estimate of $XXXX XXXX.  He has fraudently been reimbursed by my dental insurance $XXXX for $XXXX charged for Free Consult and XXXX never received all part of the preestimate I did not approve or go back for. CareCredit states they have to go with Dentist charges even though I did not authorize the charge as they presented a signed receipt(I believe forged) and statement of services.  When asked how I can complain about their inability for a fare dispute process they told me to google it or go to BBB that XXXX Care Credit did not have to give me who to further dispute against Care Credit with.
Consumer complaint received 2015-06-14
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ESCALLATE, LLC (NV)

A. I made payment arrangements with XXXX after a visit to the hospital that cost me {$660.00}. After making XXXX payments of {$37.00}, XXXX was not listing all my payments in their balance and stated I was behind. I requested an activity statement on more than ( XXXX ) occasion and none was provided. They sent my account to collections while in dispute for {$360.00}. I owed {$290.00}. 
B. They sent the account over to a collection agency that is affiliated with XXXX and began to add excessive fees and costs. They never attempted to reconcile the account even after I spoke to a collection agent on the phone and told them of my dispute. 
c. They have sent the account to XXXX XXXX XXXX XXXX in the amount of {$800.00} plus dollars according to the credit reporting. I have never received anything in writing from XXXX XXXX XXXX XXXX.
Consumer complaint received 2015-10-23
Product: Prepaid card — Payroll card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (GA)

I have not received my pay check that was direct deposited into my rush card account. I have not been able to provide for my children and my bills are mounting up. I need my money so that I can provide and Rush card has kidnapped and is still hold my money that I worked for as hostage. Please help ..I am in a bind. I will never use Rush card again.
Consumer complaint received 2015-10-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Lamont, Hanley & Associates, Inc. (FL)

In XXXX 2009 my personal information was compromised when my car was broken into and my handbag stolen. Since XXXX 2009 a series of accounts have been opened using my personal information this has caused my once great credit to plummet to zero. Over the past 18 months I have had creditors collections agents harass me for balance owed to accounts that I know nothing about and my credit is non-existent and my hopes of purchasing a home is in jeopardy because of I am a victim of Identity theft.
Consumer complaint received 2015-06-12
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I am complaining of harassing calls which I am sending to XXXX and department of Civil rights that BOA are calling my house even I had told them to stop calling. In addition, in the process of changing my number from BOA who proceeds to execute deceptive practices especially against XXXX and XXXX with abusive practices with credit services. BOA is not respecting my request to stop calling my house acting a nuisance.
Consumer complaint received 2015-06-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MA)

I was in the process of trying to do a short sale on this property at XXXX XXXX XXXX XXXX, Massachusetts XXXX. I was promised {$5500.00} dollars to relocate. This process never took place. I continued to live on the property. Then all of a sudden I got a notification that the property was going up for an auction sale on XXXX XXXX, 2015. I never received a foreclosure from household finance corporation ll/hsbc.
Consumer complaint received 2015-06-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (TX)

I filed a dispute with Experian to get several items removed from my credit, since they have expired based on Florida Statute 95.11.2(C) for mortgages and XXXX for credit cards. I am disputing credit cards and mortgages that have passed the statute of limitations pursuant to Florida Statute of Limitations. Not only did Experian not follow the Florida Statute of Limitations, but the results they provided at the end of the dispute are completely off-base and incorrect.  Experian stated dates on their "results" that did not even make sense based on the information supposedly reported by the creditors on my credit report. In my opinion Experian is simply echoing what the creditor is telling them, instead of taking XXXX sets of information and then using the law to find the correct conclusion or result to the dispute. Experian is taking matters into their own hands and not abiding by the law, whether it is the Florida Statute of Limitation or the FCRA. Experian is passing judgment as THEY see fit and not as the established law states it should be.
Consumer complaint received 2015-08-03
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Sentry Credit, Inc. (CA)

I have not had a credit account with XXXX since XXXX. And have no debt to them, then all of a sudden get a {$290.00} debt on my XXXX XXXX account with no prior communication or knowledge of it, I disputed it before but it cam back as connected to me??? 
I was told not to contact the collector directly, as they can be tricky ... So I am turning it into you for help. 
Thank you kindly for any and all help with this. 
________________________________________INFO1 account reported on XXXX XXXX, XXXX OpenAccount # 1 {$290.00} XXXX XXXX Creditor $ XXXX BalanceJul XXXX, XXXX Opened DateMar XXXX, XXXX Last ReportedIndividual ResponsibilityAccount information disputed by consumer, meets FCRA requirements
Consumer complaint received 2015-05-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (PA)

My Commercial Checking Account at XXXX Remain unaccounted for To this date! The banks that took over First Union insists the Commercial Account was turned over to the Pa. Treasurer. The Pa Treasurer 's Office insists it had not been forwarded there. Wells Fargo, Wachovia and First Union Banks have all acted in concert with one another to conceal misfeasance and malfeasance stemming from an internal investigation which resulted in their own employees being named perpetrators in the 'bank fraud bust ' on XXXX XXXX 2000. My efforts to secure access to the account via Special power of Attorney since I was physically unable to appear in person, was to no avail. My account was restrained pending the outcome of the above investigation and should have been released accordingly. With Formal apologies for the grave inconveniences which were caused as a direct result of the aforementioned. Now that I have become physically able to handle my own matter, these corporate bullies insist on passing the buck and giving me the runaround as it were! Hence, I request attention to this matter through this formal complaint. Commercial Checking Account # XXXX XXXX XXXX XXXX XXXX , XXXX, Reference XXXX Commercial
Consumer complaint received 2015-11-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

The borrower, XXXX XXXX, has been working with Bank of America since XX/XX/XXXX to get his mortgage loan modified. He is current and the loan was modified. The most recent mortgage statement, however, shows that his payment has increased by $ XXXX/month and he does n't know why. XXXX charges are listed on the statement in addition to his PITI payment of {$700.00}. They are : 1 ) {$85.00} for overdue payments, fees, and charges and 2 ) {$46.00} for a payment advance. 
A Notice of Error was sent certified mail return receipt requested XX/XX/XXXX and is signed by BofA XX/XX/XXXX by a housing counselor, myself, XXXX XXXX. On XX/XX/XXXX, I received a letter from BofA stating that they needed authorization to send me this information. An authorization form was sent with the Notice of Error and was resent on XX/XX/XXXX. 
To date, we do n't have confidence that Bank of America is going to identify the charges and inform the borrower how long he will be charged for same. 
Borrower is on limited income and his budget is short $ XXXX/month. Not paying these fees is very important to him. At the least, he needs to know what they are for and how long they will be charged.
Consumer complaint received 2015-05-12
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (OK)

I was not notified that my escrow account was short or contacted to find a resolution. I found out about the increase of payment when I got an offer to refinance the loan. It went up from XXXX to XXXX, I ca n't make sense of why. I understand that it would go up when the insurance and property taxes would go up. I want to see in black and white why it went up and they seem to be unwilling to explain to where I understand. Part of the problem stems back to the original loan when they did not get a correct estimate on what the taxes would be and based it off of the taxes for the property alone without any buildings on it. If I have got it figure is that they are charging me for XXXX insurance payments and XXXX tax payments plus XXXX PMI and extra for the escrows the reason I believe that is that they added it all to the payment and not to the principal payment. This change and no cooperation is harming me and my family financial.
Consumer complaint received 2015-10-23
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK (MI)

On XXXX/XXXX/15, my spouse, suddenly and unexpectedly, passed away. XX/XX/XXXX, it was discovered that there was a Discover credit card in my name, ( wrong middle initial ). I immediately contacted Discover and was advised to submit a fraud claim. I had no knowledge of the card, no physical card, had never used the card. The only activity on the card were payments, as the credit was balance transfer. 

After several months of dispute, dozens of phone conversations, and mail communications with Discover, they continue to say that I am responsible. When I have asked about how the credit card was opened, I have received different responses, but have been told it does not matter. I truly had no knowledge of finances, in our home. I have been left with only my income, ( no life insurance, no pension or Soc Sec from my spouse ). I can not afford to pay off this bill, approximately {$6700.00}, that I had no knowledge of.