davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

This was escalated to claims with a complaint on  XX/XX/XXXX . My son deposited a check in his  ( min e joint ) checking account with Bank of America for {$400.00} in  XXXX   XXXX . He did this physically at the ATM. Before that happened he took a picture of the check and it failed to deposit so that is why he took the physical check to the ATM. He received his {$400.00} and never anything more this was in  XXXX  of  XXXX . In  XXXX  of  XXXX  he gets no warning what so ever and the BOA took that {$400.00} out of his account leaving him negative and without any $ $ going on a week now. BOA states they sent a letter after the money was taken from his account but we have not received it. I have called the bank several times and each time I am on the phone re-explaining my story over and over with no help. My calls are lasting anywhere from 40-60 mins. Instead of listening to me they keep trying to tell me the check image was not clear ( mobile picture ) so it was returned and the $ $ taken back. The problem being the mobile deposit did not go through we never received an extra {$400.00}. We only received on {$400.00} deposit from physical check. This is absolute insanity. This caused the account to be negative and left us with no $ $ in the account for almost a week now. I am utterly disgusted with the inability to trace back the circumstances and get my account credited in a timely manner. As of this write up I am still waiting for a resolution. They have been incompetent and have caused financial distress. I am disgusted! I can be reached at  XXXX   XXXX   XXXX . Thank you.
Consumer complaint received 2017-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection  ( 8 ) ( D  ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database  XXXX  search. Please also notify the source, who reported the item within 5 days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that is authorized to do so.   Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.   I will expect you to notify me the results of your investigation within  5 bu siness days from the completion of your investigation. In addition, I will expect you to complete your investigation within 30 days from the date you receive this dispute or the item being disputed will be unverifiable.   The items that appear on my credit report a s : 1.    XXXX   XXXX   ACC BAL {$450.00} This account is a HIPPA violation please delete.   2. XXXX   XXXX   XXXX   XXXX   XXXX  Never done business with company error please delete.   3.  XXXX    XXXX  ACC BL {$430.00} This account is a error please delete.   4.  XXXX  ACC BAL {$330.00} This account is error never done business with this company please delete.   5.   XXXX   XXXX   XXXX   ACC BAL {$330.00} This is a unauthorized access to my credit profile error please delete.    6  XXXX   XXXX   ACC B AL {$240.00}, {$270.00} This account has no details never done business with them. I do not recognize this company please delete.
Consumer complaint received 2017-05-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (VA)

The apartment complex is calculating charges that are not owed and does n't match the information on move out inspection sheet. The apartment complex is trying to charge for things that were existing before I moved into the unit. Pictures and documentation prove that the charges are inaccurate and unfair. There was never an itemized breakdown of what is being charged.
Consumer complaint received 2017-05-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (FL)

I purchased the vehicle from XXXX XXXX on XXXX XXXX 2017. I was financed by Westlake financial, the same day as purchase, as the sole lien holder of the vehicle. I paid bothXX/XX/XXXX and XXXX 's payments on XXXX2017 to the lien holder of Westlake financial accruing to the total of {$450.00}. On XXXX/XXXX/2017 at approx. XXXX XXXX My vehicle was repossessed by the seller, being XXXX XXXX, who was not the lien holder at that time, or currently, yet they are telling me that the finance company is forcing them to buy back the car. But when I spoke directly to the finance company they told me they would not do that for one late payment, especially when it had been paid. When the dealership has been paid and is only the seller and has no legal claim to the vehicle in the state of Florida as the only party that can order a repossession is the lein holder.
Consumer complaint received 2017-05-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Harpeth Financial Services, LLC (TN)

Emailed Customer service per their instructions the way to revoke auto withdrawls from bank account on  XX/XX/XXXX . They did not honor my request and withdrew on  XX/XX/XXXX  causing an overdraft.
Consumer complaint received 2017-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Financial Management Solutions, LLC (GA)

This collection company is reporting erroneous debt to  XXXX  in my name. The debt collector has a debt on my report for  XXXX   XXXX . I have never lived at  XXXX   XXXX  in my life. This debt is not valid and after several attempts to rectify this with the credit agency they have ignored my requests. The creditor has yet to show a signed lease agreement between myself and the apartment agency. They instead continue to submit a fabricated bill with my name on it to  XXXX .  XXXX  has failed to research the debt in its entirety. They only ask the creditor if the debt is valid and never ask for proof.
Consumer complaint received 2023-06-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: FIRST CITIZENS BANCSHARES, INC. (SC)

First Citizens Bank accepts payments online for HELOC loans. When an extra principal payment is made online, before the loan 's interest due date, First Citizens Bank takes all of the interest that would be owed up until the next interest due date out of that principal payment. First Citizens Bank does not offer a way to make a principal payment only online and they are not re-amortizing the loan before taking interest. Your next interest payment should re-amortizing based on the new outstanding balance. First Citizens Bank is taking future interest that has not yet accrued out of all HELOC loan payments made online. If a customer does not realize First Citizens Bank is doing this, and go in and request they payback the overcharged interest, First Citizens Bank keeps the extra interest they took. This, in my opinion, is stealing from customers.
Consumer complaint received 2017-04-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CT)

On XX/XX/XXXX I went to log into my citibank account and could not. It said I needed to get my new card first and asked me to input some information I found this strange because I had just gotten a new card a few months ago so i called the bank to find out after 20 years they are closing my account. I have spent hours on the phone trying to get a reason why and can not. They also will not let me withdraw my money and have left my XXXX year old daughter and XXXX year old granddaughter without access to her money because her account was linked to mine. I am out of the country on my honeymoon which ironically started on XX/XX/XXXX. Some mysterious investigation was done by this unreachable division of the bank as I called my branch and they claim they can only email these people and still do n't have a response. In this day and age this is outrageous. The account has well over 80k in it.
Consumer complaint received 2017-04-07
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Star Loans of Texas, Inc. (TX)

I got a loan last year and I have refinanc ed over 3-4 times  to build my credit instead when I paid on time it knocked my points down my vehicle broke down and I lost my job I explained to them I can male pay ments when I get my disability check they have   called me 5-6 time s a day including after hours from their cell phones they harassed me so much I had to deactivate my cell phone this went on even after I made a payment now they are harassing my references. They we 're completely rude on their voicemails also
Consumer complaint received 2017-04-05
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC. (FL)

On Sunday,  XXXX   XXXX ,    2017,  I,  XXXX   XXXX , received a telephone call from a debt-collection agent. The agents name was  XXXX   XXXX , and he was representing an organization of swindlers call ed Midland Credit Services or Midland Credit Management or Midland Funding LLC . I,  XXXX   XXXX , am filing this complaint against this agency for trying to collect a debt that they purchased, according to what this agent was claiming, even though I did not have any knowledge of these organizations and their use of federal government policies to countersue every consumer. Since they know that the system in our counties is broken and corrupt, it is easy for them to counterattack their victims. I have recorded a voice conversation with  XXXX   XXXX  lasting ab out 10 minutes and 12 se conds, which could give you a clue about how these scammers represent themselves. The following information is based on a credit ca rd ( #  **************** ). This account has been collect ed, [  unintelligible perhaps and because they break their promis es, ] t hey take the money and disappear. This account had already been reported to your respective departments because of fraud. During the time that this account was active, I had an insurance policy that would cover any loss or, in case I lost my job, would cover the entire amount owed. I cant upload this conversation to your system for you to hear.
Consumer complaint received 2017-03-12
Product: Consumer Loan — Title loan
Issue: Lender damaged or destroyed vehicle — 
Company: KEYSTONE EQUIPMENT FINANCE CORP. (NC)

As of  XXXX / XXXX / XXXX , interest paid on the loan was {$2300.00}, principal balanced owed is {$5700.00} and the loan balance is {$7800.00}. I have made  XXXX  payments totaling and {$2000.00}  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX . I contact the lender to obtain the principal balance owed on  XXXX   XXXX . I receive an email from the lending stating, as of  XXXX   XXXX ,  XXXX , my principal balance owed is {$5600.00}. An investigation should be created. I should owe around {$4100.00}. My payments are not going to the principal balance properly. {$50.00} going to the principal balance each month as well as, an estimate of {$200.00} should go to interest. So essentially, an estimate of {$1600.00} should have applied to the principal balance for my  XXXX   XXXX  and  XXXX   XXXX  payment.
Consumer complaint received 2015-10-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: United Shore Financial Services, LLC (CO)

My issue centers around poor customer service, inaccurate escrow information ( advisement of a refund and withdrawal of that with no notification ) and lack of response to multiple service and escrow complaints. I knew I was going to have a wide fluctuation on property taxes ( due to building a new house on vacant land ), and contacted United Wholesale Mortgage my mortgage provider. I left multiple phone calls to an individuals voicemail in the Escrow Department and after XXXX months, never got a call. I would also call Customer Service and they said they would leave a message for someone to call me, but once again, no one would ever call. I was able to speak to a few CS reps, one of which helped to calculate my new escrow payment and they advised me of my refund. Three weeks went by and no refund. I called in again and found out they calculated it wrong because they were not an escrow representative and was told I was getting appx 50 % of what they told me as a refund. When I asked why I was n't notified in writing, they had no answer. I asked to speak to a Manager and he advised that he would pull the calls and call me back. I left him several messages over several weeks and never received a call from the Manager with an explanation. I also never received a revised escrow statement until I had to call in and request XXXX. This should have been provided since they recalculated my payment and my refund. I have since submitted a Complaint to their Complaint Department and they have had it for XXXX weeks with no response. While I have n't been financially violated, I am getting the worst service ever and have never been able to speak to a live Escrow Agent at this company. They claim they only let you speak to their front line Customer Service Reps and then the escrow agents do the work behind the scenes. This might be fine until the CS Rep calculates the wrong refund amount, they then Escrow Dept changes it, they hold back the check they were supposed to send you and never advise you that you are not getting the first check and the amount of your refund changed. I find this to be completely unacceptable and would appreciate your assistance in helping me get action and a response to this matter. I have never seen a firm NOT respond to a complaint.
Consumer complaint received 2016-08-19
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

I opened a Basic nonchecking account at Chase Bank referred to as a Chase Liquid account basically a prepaid visa card with no check writing privileges. When I opened the account they did a full check systems background check and found an account from 2012. The statue of limitations in Ca. is 4 years for collecting a debt so the Banker called to make sure it was cleared. She was very helpful she then called the Chase department that handles this by phone to get the approval to open my prepaid visa account. They sent the approval by computer. She then opened the prepaid visa account. Of course buying a prepaid visa at a grocery store you go through none of this. I put XXXX Dollars into the account and was given a prepaid debit card. A week later I received a letter. Canceling my prepaid debit card and notifying me they will be mailing my money back in 10 days.
Consumer complaint received 2015-08-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Valley Collection Service, LLC (AZ)

XXXX XXXX XXXX sent an account balance that is not over due to Valley Collection Service XXXX LLC. I have never been told that I had to pay this amount of money to the court. I do not even live in the town limits or do I due business in this town of XXXX where the Court is located. The information that I have is account number XXXX Reference Number : XXXX ... .. Does the court have authorized to send my information without my consent ...?
Consumer complaint received 2015-09-25
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Clark County Collection Service (CA)

this company has been on my report for over 7 years for an acct that is not mine at a apartment complex that I did not lease it. so if not removed I will sue them for my creditworthiness. the credit report show it every time I disputed it 3-4 months ago and no remove or answer
Consumer complaint received 2015-11-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

Today XXXX/XXXX/2015 at XXXX, a representative from Chase Mortgage called and demanded mortgage payments. We discussed that the house is vacant and that I called their office to ask for foreclosure due to my husband 's XXXX. After much discussion, I agreed to try and see if I can do a deed in lieu, that he will send out a representative to see me to help. But toward the end of the conversation, he verbalized that the late payments will be reported to the credit bureaus and the most concerning part is that apparently my mortgage had been reaffirmed. To my knowledge and my atty 's advise, we did not reaffirm our house at all. But the representative insist that I did. I asked him to send me a copy of the said reaffirmation but he wont.
Consumer complaint received 2015-05-04
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

In or around XX/XX/XXXX, my former XXXX XXXX credit card account was turned over to Portfolio Recovery Associates, a Debt Buyer in XXXX, VA. 

Portfolio Recovery began reporting this alleged Collection Matter to all national credit bureaus, in or around XX/XX/XXXX. 

Portfolio Recovery blatantly misrepresented this alleged Matter from the very beginning, by reporting it as a Brand-new Collection Account, each and every month. 

They did this in : XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX ; then, in XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX. 

As Portfolio Recovery is a Collection Agency to begin with, if an account is with their office, then it is automatically a Collection Account. 

Reporting the Collection Account as being a Brand-new Collection each and every month is a blatant misrepresentation of factual credit account activity, and an attempt to make XXXX types of negative reporting 's, on the same account, at the same time. 

Following my Disputes regarding this Matter with numerous Consumer agencies, I observed that XXXX, as of XX/XX/XXXX, removed the inappropriate reporting 's of " Collection '' from XX/XX/XXXX through XX/XX/XXXX, a total of XXXX reporting 's removed. 

However, XXXX continues to report ( as well as inappropriately reports ) this same Matter as being a Brand-new Collection as of XX/XX/XXXX. 

This is a lie. 

If Portfolio Recovery reported this was a Brand-new Collection beginning in XX/XX/XXXX ( 11 months ago ), IT IS NOT a Brand-new collection almost one year later, in XX/XX/XXXX. 

This is nothing more than an underhanded maneuver by Portfolio Recovery to " update '' this alleged Matter by one year, thereby significantly increasing the negative effect on my credit scores. 

Further, as Portfolio Recovery has removed the XXXX ( XXXX ) highly inappropriate reporting 's following my Disputes of this Matter, this would clearly indicate that the prior reporting by Portfolio Recovery was in fact inappropriate ; that is why they removed it. 

This would bring significant doubt as to the credibility of Portfolio Recovery, and their credit reporting, as a whole. 

Last but not least, Portfolio Recovery reports an alleged balance of {$2000.00} owing on this alleged Collection account, to XXXX. 

However, at XXXX, an alleged balance of approximately {$1400.00} is reported ; a difference of nearly XXXX XXXX dollars. 

This represents a very significant discrepancy in credit reporting between XXXX different bureaus, by the same alleged creditor. 

Given the multiple occurrences of contradictions and discrepancies in their reporting of this alleged Matter, I respectfully request this Matter be fully removed from all major credit reporting bureaus.
Consumer complaint received 2016-08-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (FL)

We deposited a check into our business account. The check was rejected due to an internal issue with the issuing bank. That issue was explained to the receiving bank, Suntrust Bank. The funds were also released by the issuing bank to the receiving bank, Suntrust Bank. They refuse to release the funds and no one seems to know why. The rep that closed the deal the funds came from was not paid and has been evicted from her apartment. Suntrust bank continues to give us the run around and we 've done everything to verify the validity of the transaction. The issuing bank has also verified the validity of the transaction, yet our funds are still being held by Suntrust Bank.
Consumer complaint received 2017-04-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (MD)

Much like XXXX, it appears as if FedLoan Servicing systematically cheats student debtors by taking shortcuts to minimize its own costs. Upon information and belief, FedLoan Servicing unlawfully steers struggling borrowers facing long-term hardship into payment plans that temporarily postpone bills rather than helping them enroll in plans that cap payments relative to their earnings. The latter option promises debtors the possibility of debt forgiveness after years of steady payment. The former raises the possibility of a financial time-bomb.