davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-21
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TCF NATIONAL BANK (IL)

I would like to make a complaint about TCF Bank, about closing my checking account and freezing my funds, and not trying to properly address my concerns or resolving the problem. My account was closed because I had ACH deposits go into my checking account for my business, and the deposits was in the name of my business, and not my personal name. The bank told me that the funds came in as tax refunds and in someone else 's name and not my name. I assured them that they was not tax refunds but business revenue for my tax preparation business, and I provided proof of that fact on more then XXXX occasion. I also have a saving account that I had opened at the same time as the checking, and had changed the name on my account with XXXX, so the funds would only come in under my name, and there would n't be a problem with me receiving my funds. The funds come from the same source, and TCF is ignoring that fact, and has not tried to verify the funds from where they came. They have repeatedly lied to me about their investigation and have not on any level to contact me, or allowed me to speak to home ever is responsible for keeping the hold on the account. They wo n't even have the courage to speak to me directly and answer any of my questions for what legal reason they have for their actions. XXXX XXXX XXXX Tax Products Group, the bank that I have a partnership with and also the source of the ACH deposits has yet to be contacted to be asked for verification of funds, and has also sent XXXX requests for the funds to be returned back to them, but their requests have also been ignored by TCF. I am being told by there customer service department, that they are waiting on the IRS to tell them what to do about the funds, but the funds did n't come from the IRS, and unless they start with the origins of where the funds came from, the IRS ca n't answer the questions of this issue, because they did n't send the funds to TCF bank. 
I am sending my business reports, as well as other documentation that I have also sent to TCF bank, that clearly should have answered the question of this problem, along with contact information and my account number for them, that they may be able to also provide verification about this the source of the funds and why I had received the funds. My account number for XXXX is also my EFIN number with the IRS, is XXXX for XXXX XXXX, of the XXXX XXXX XXXX XXXX and their contact for XXXX 's is Live Tax Professional Support : XXXX. 
I hope that I have provided enough information, and if there are more information needed, I would be more then happy to provide it when requested ....
Consumer complaint received 2015-10-21
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland claims they sent a letter of validation on XXXX XXXX 2013, i would like for them to send me a copy of said letter. 

Also i need to ask how much they purchased this said debt for from XXXX XXXX.
Consumer complaint received 2015-05-17
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (NC)

During the past 11 months, including today XXXX/XXXX/2015 @ XXXX est, XXXX and other phone numbers have called repeatably, sometimes XXXX times in a day, mostly not leaving a message but sometimes leaves a robo-message they are debt collector trying to collect a debt that is not mine. I have talked to a few, addressing I am not the person that is the debtor, nor do they or ever have lived with me and told them to quit calling me. They use the above number after having called from another number trying to collect the same debt. This is a very abusive and harassing attempt from them and I 'm sick of all them calling. I do not owe any old debts that are under 3 years. I also have had a threatening arrest and serve papers message left and saved on my answering machine. I 'm not sure if above number was that call though, but would be willing to play it so you could hear. 
Above number last XXXX calls XXXX XXXX/XXXX/2015 @ XXXX XXXX XXXX/XXXX/2015 @ XXXX XXXX XXXX/XXXX/2015 @ XXXX
Consumer complaint received 2016-09-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TCF NATIONAL BANK (ND)

I 'm trying to close my late brother 's checking account at TCF Bank. I am the executor of his estate. I sent a letter requesting the closure with instructions for payment, along with original embossed seal copies of the death certificate and letters testamentary from the court. I 've called twice after sending the letter, and have been told they 'll contact me, but nothing. It 's been a month, which seems like more than enough time for this. They have my street address, email address, and phone number, and have n't reached out to me once with an update.
Consumer complaint received 2016-04-13
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

his is a request for intervention due to a wrongful foreclosure initiated on the first Tuesday of XXXX 2016 by HSBC Mortgage Services Inc. at the XXXX XXXX court house steps with said property XXXX Georgia XXXX. Previous to this wrongful foreclosure action on the subject property, I was assigned to XXXX XXXX, Housing Counselor with Home Safe Georgia to negotiate a loan modification or principal reduction with HSBC Mortgage Services , Inc. He requested the following information to complete the modification application : Profit and Loss Statement ; Recent 2 Months of Personal Bank Statements ; Tax Transcripts for Personal and Business for XXXX ; During this period, I truly believed that I was under HAMP review and HSBC Mortgage Services never sent me any denial notice for my HAMP prior to the wrongful foreclosure against the subject property. HSBC Mortgage Services Inc. failed to adhere to the Single Point of Contact policy in order to find out the time frame in evaluating a HAMP Loan Modification application. Moreover, I was assured by Home Safe Georgia that they have contacts at many of the banks in order to execute an amenable mortgage workout. I have attached Home Safe Georgia email communication to me for your review. HSBC violated CFPB rules against dual tracking, initiating foreclosure while negotiating a loan modification. 
Sincerely, XXXX XXXX GA XXXX
Consumer complaint received 2016-08-23
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: KEYCORP (TX)

I previously filed a complaint that was being disputed but has had no resolution so I am filing this complaint. I have a loan with Key Bank and they have been the absolute worst company to ever work with. I have other student loans elsewhere and have had XXXX XXXX XXXX and I am currently a customer of XXXX and Key Bank far outpaces any other company as the worst company I have to deal with. I have tried to lower my payments for a long time at this point because I can not afford the ridiculous payment which is over {$450.00} right now. I can only afford about $ XXXX- {$150.00} a month and I desperately want to make my payments but XXXX has now made me work with a third company who has a restricted number because they are so shady. They already use one company to take care of the loan, Key owns the loan, and now they have hired another company with the sole responsibility to call me 5 times a day to harass me. This company 's predatory practices are beyond ridiculous at this point. I want to pay my loan and eventually I will have a higher paying job ( or my wife will have a higher paying job ) but we do n't have the ability to afford payments right now. I, like so many other students, feel like I was taken advantage of whenever I went to school and was not told that I would be harassed constantly and would have to pay more than half of one of my paychecks a month to student loan companies. My income will not allow me to pay the loans but Key Bank does not care about people which has been proven every time I call them. Please, someone help me actually be able to pay my loan and prevent this company from attempting to take over and ruin my life. Thank you for any help you can be.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Consumer complaint received 2016-11-28
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TCF NATIONAL BANK (AZ)

My bank currently has issued me XXXX Overdraft Charges. XXXX of the charges are on Deposits!!!! XXXX of the charges are on amounts that kept my account negative under {$3.00} a total balance of $ XXXX I called and verified this would not be affected because it was under {$3.00} and advised I would be bringing a cash deposit, also told by the employee the cash could be deposited in the ATM and I would still avoid the fee except for the XXXX purchase that put me into overdraft-I have XXXX purchase and XXXX deposits. I should have only XXXX overdraft fee, I should not have XXXX fees. This is very disheartening!!!!
Consumer complaint received 2015-06-30
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

a wire transfer of funds was sent from my account on XXXX/XXXX/2015 ( thru citizens bank ) to XXXX for rental of a condo at XXXX in XXXX fl.a day after I discovered it was a scam and went to citizens bank and had the wire cancelled or reversed on XXXX/XXXX/2015. the scamer sent an e-mail on Friday XXXX/XXXX/2015 to tell me his bank told him funds would not be available until Monday XX/XX/2015.since I cancelled before XXXX/XXXX/2015 and citizens wire contract states that I have until XXXX/XXXX/2015 to cancel, why was n't it stopped. what are my rights.i have n't heard anything from citizens bank.
Consumer complaint received 2015-07-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I am negotiating a Short Sale and XXXX is my servicer. I have received several offers but they never seem to go through. 
I believe that XXXX is using fraudulent appraisals to make the house appear to be worth more. The house is destroyed without a working heating plant, with no kitchen and no appliances and yet XXXX feels that the house is worth more than houses on my same street that are in move in condition. 
I have attempted to convince them but they are doubling down on their fraud.
Consumer complaint received 2016-01-18
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Bayview Solutions LLC (AK)

Bayview solutions XXXX XXXX XXXX XXXX # XXXX XXXX XXXX ceo XXXX XXXX hired XXXX XXXX to collect a debit i was never made awsre of he called our home and wanted to know when we were going to be home do he could service of papers filed in XXXX XXXX nv he also called my working telli g the service are to tell me i was getting sued and they better have my self and my boss there to serve me with legal papers he ssid he was doing this in nv i have not lived in nv since XXXX now im in trouble at my work for this spoke with XXXX XXXX from bayview he told me i owed XXXX i told him i have never gotten any thing in mail or calls until today XXXX/XXXX/XXXX i ask him if this was to old to collect on he said no there was a payment made on XXXX/XXXX/XXXX i didnt make a payment that was the sameday also the debit was sold i ask him to show me proof of a payment he told me no and from that date the sol stared over he also said there was a payment made in XXXX where he said we lived in XXXX nv once again there was no payment made i ask him for proof through a check number or a credit card acct number and he told me know the only time i have ever heard about this is when they called threating me and my job on XXXX/XXXX/XXXX i dont feel it is correct to threating me at work or my husband with serving legal papers and getting me fired XXXX XXXX was made aware of the treatment we recieved from XXXX XXXX i belive they have falsiefid the payments they said that were never made to rest the time of the debit they were ask to give me the origal contract and have not recieved ir also they were ask to show all documents per the fair debit act with to this date they have not if i owe debit it should be handled in a fair non threating leagal way not by bullying me also i would like to make sure my name and informatiob was not XXXX of the XXXX 's name that XXXX XXXX company put on a pyblic web site per the case involving them getting fined by the us goverment
Consumer complaint received 2023-06-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (CA)

The creditor never sent me documentation about the debt to my mailing address The last one which I received the email way back in 2021 the bill is {$140.00} I am ready to settle down with the creditor unfortunately the creditor is trying tricks & told pay through the collection & there are charging me {$480.00} extra I am not ready to pay because they are trying to scam me The collection agency is threatening me
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX California XXXX XXXX XXXX XX/XX/2024 Re : XXXX, XXXX, AND EXPERIAN TO PROVIDE ACTUAL VERIFICATION DOCUMENTS USED IN REINVESTIGATION RESULTS ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # : XXXX I'm demanding that the consumer reporting agencies XXXX XXXX XXXX XXXX and Experian to provide me by certified mail the actual documents provided by the creditor XXXX XXXX XXXX account # XXXX, that was used to verify the account showing debt of {$10000.00} to be accurate in there reinvestigation results. 

If consumer reporting agencies XXXX, XXXX, and Experian can not provide me sending me by certified mail with the actual documents of verification that was used in their reinvestigations. I demand that this account to be removed due to unverifiable information.
Consumer complaint received 2016-09-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: MOHELA (PA)

I have made payments in excess of the amount due on the loans. I did this a few times until I noticed that my balance due was XXXX. I continued to make payments in excess of the amount due however they were now only going to interest or nearly all going to interest. There is no way to know what the interest owed for the period is on each loan. This was a year ago. I called and complained telling them that I wanted a detailed listing of interest accrual by loan since I have XXXX loans so that I could balance out what I have paid to what they have posted to my loans. They could/would not provide but tried to talk me through it. I ended the call by telling them I wanted any additional payments to go to the higher interest loans instead of the lower interest ones which is what they had been doing. I also wanted them to stop sending me bills with no balance due if there was in fact interest due that they were going to apply my payment to. They said I needed to send the request in writing which I did. 
A year later my wife who is doing the payments complains that she does n't understand the billing still. I go on and it is still showing paid ahead with no balance due and payments being made almost exclusively to interest. The little that they do apply to principle is applied to the lower interest rate accounts. So I call again about the issue. The service rep tells me that they have no record of my request and that I need to request it again and they are doing everything in accordance with the agreement and cant change how they are billing. I explain I already sent in the request. She said they do n't have it so I would have to send it in again. I asked for a different channel than the email that they had me use last time and she said they do n't have one. Then she went to her manager because I would n't accept that answer. Suddenly they did have a form letter that they could send me. When I asked if there was a way to verify the documentation so that I would not end up in the same situation with them having conveniently not receiving it and having no evidence it was sent she was very uncooperative and I had to basically pull it out of her if there was a way to track it other than certified mail which I did n't want to do. In the end this company since purchasing my student loan has done nothing but underhandedly try to hide where payments are going and not apply payments as requested in order to maintain higher interest payments.
Consumer complaint received 2017-01-18
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

XXXX of my Citizens Bank checks ; mortgage, energy loan & electric co payments were stolen out of the mail. Though none were made payable to XXXX XXXX XXXX, XXXX of the checks were cashed by XXXX. A thief got my money. 7 weeks later Citizens still ca n't figure out how to help me. Not one person. I 've sent front/back images of the checks. I 've filed XXXX police reports. I 've talked with more than 20 people at Citizens including Supervisors and Managers. Not one knows how to navigate their own system in order to help me. The front office has absolutely no idea how the back office works. And, to make matters worse, they do n't communicate with each other. There 's no training. If there is training there 's no retention of the information. The loan company told me they were going to put me in default. However, they provided real support and information about what should happen. They said Citizens should provide me with a Provisional Credit so I could pay the companies who did n't get my money. Citizens never told me anything about their obligation to provide me with a Provisional Credit. Citizens initial consul was that I should pay the companies again from a different account. I told a Supervisor at Citizens Online Banking I was going to contact the Attorney General to report this abuse. He ended the conversation and escalated my complaint to the Office of the Chairman. Maybe they can make something happen? I 'm suppose to hear from them in 24-48 hours. It 's been over 24 hours and I have n't heard from them. Plus, I received a threatening letter from XXXX, XXXX with a case #, XXXX # and threatening language : " this is an attempt to collect a debt ..., '' signed by XXXX XXXX A Citizens Branch Mgr said it was a fraudulent letter. Turns out it 's Citizens Bill Pay service. Bottomline no real help from Citizens in solving their longtime customer 's banking problem caused by a lax banking system.
Consumer complaint received 2015-10-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (MN)

My loan was with XXXX XXXX XXXX, I had a direct phone number to my single point of contact in the CEO 's office, she promised to call me within 1 day or I could call her manager 's direct line for help, My single point of contact called me at least once a week to update any status and inform me of anything that was needed for a modification. 
This all changed with Caliber Home Loans, you receive a general phone number and one one of XXXX " single point of contacts '' answer your call and say they all are your singlepoint of contact. Each of these " single points of contact '' is more clueless than the next and have XXXX knowledge of me, my loan or my current needs or modification situation. 
I do not have any direct line for my Caliber single point of contact and have never received a return call from him. This situation is unacceptable and violates all the rules ofand purpose of having a dedicated single point of contact to work with you who understands your file and situation. I need to be assigned a real single point of contact ththat is compliant, with a direct phone number in the CEO 's office just like I had at XXXX. Please assign me a Single point of contact in the CEOs office of CaliberHome Loans ASAP. The current situation is totally unacceptable and noncompliant. 
Please conform to the rules of proper modification management and compliance.
Consumer complaint received 2016-02-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alorica Inc. (TX)

Global receivable solutions has called my place of business 10 times in 1 hour. Both owners have called and told them to remove our number and they immediately called back 3 times in 90 seconds. We are a very busy restaurant and do not have time to be answering the phone when it has nothing to do with our business. They would n't even tell us who they were looking for nor let us speak to a supervisor. Every time we tried to speak they would interrupt us with the same statements over and over. 
It should not take 3 calls to get them to stop. Nor should they call anyone 10 times in one hour.
Consumer complaint received 2016-03-31
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

On XXXX XXXX 2016 I received a text alert from USAA bank stating that my checking account had been compromised. The agent informed me that it would take 24-48 hours to do a fraud investigation and I would n't have access to my accounts. When I called XXXX XXXX 2016 the person I spoke with asked me for an authentication code that I did not have because no one ever gave me one and then asked for my phone number once I gave her my number she said that the number I gave was not the number on record. I explained to her that someone had compromised my account and must have changed the number also. She told me there was nothing else she could do she was locked out of my account when I asked to speak to someone in the fraud dept she told me should could not transfer me because she could not authenticate me. I have been experiencing pretty much the same attitude for the last 6 days when I call to find out what 's going on with my accounts. XXXX XXXX 2016 will be a week I do n't know how my account was compromised or to what extent. And USAA does not seem to be in any hurry to fix the situation.
Consumer complaint received 2016-01-13
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP (PA)

hi, there is a account from XXXX credit card company on my credit report that is about XXXX years old. this card is reporting on my credit report as still open and im over the limit. the info they are reporting is completely false. i do n't even remember having this credit card. please help me find out whats going on