davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-10
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Lazega & Johanson LLC (GA)

I was being pursued unknowingly by a law firm Lazega and Johanson that my private student loan XXXX XXXX XXXX hired. When they found me they were extremely rude and aggressive calling me all the time even at work. They sued me and I answered the suit stating that I did n't believe I owed that amount. In court the judge asked us to go mediate, we did. We agreed on XXXX a month. I offered lower, they would n't take it. I knew XXXX was a stretch, I explained my job situation to them, they reassured me that they would work with me. I missed XXXX payments and called to make arrangements and they would n't call me back. Out of the blue they levied my bank account. I filed a chapter XXXX to stop it and I listed them in the bankruptcy and they did nothing. I did n't know a bankruptcy does n't discharge loans. The bankruptcy was discharged in XX/XX/XXXX and I called them to renegotiate a payment plan. I was told that they sold the loan and no longer had it. I was blindsided a month letter by a certified letter stating that my wages were being garnished. I 'm at the point I definitely ca n't afford almost XXXX a month and I do n't know what to do. They want take it off or talk to me and I do n't want to file a chapter XXXX either. I really need help!
Consumer complaint received 2022-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A. (TX)

I was informed of BBVAs acquisition by PNC bank via email notification. When I went to pay my bill on PNCs mobile banking app I was not granted access and was informed that in order to receive access to online banking I was required to open a PNC checking account. I declined opening a checking account and visited a branch to make my payment since no online payment options are available without a PNC checking account. When I went into the facility they informed me that I was also going to be charged a bank draft fee to make my payment. After trying to find a resolution to make my bill payment more accessible to me I was told that I would have to come into the branch and pay the fee every time I wanted to pay my credit card balance. I let them know that I would be completing a balance transfer and moving my remaining balance to another bank that has more excess will payment options. A couple of weeks after I was informed that per my request my account had been closed at PNC Bank. I had never requested for my account to be closed and now I do not have any accessible options to view my payment amount or due dates. They are threatening to send my balance to collection but still will not provide an accessible account payment option.
Consumer complaint received 2016-07-19
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Commonwealth Financial Systems, Inc. (GA)

I have asked Commonwealth Financial to validate a collection they are reporting on my credit reports on XXXX, XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2017-01-23
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK (NJ)

I responded to Discover credit card 's promotion offer XX/XX/XXXX. In particular, Discover offered 10 % rebate for purchase at XXXX XX/XX/XXXX. I made purchase at XXXX following the instruction at discover.com. However, Discover credit card did n't honor its program to give me the rebate it had promised. I have been chasing the money since. I contacted Discover credit card several times, initially, it told me that Discover offered 5 % rebate, not 10 %. I asked Discover to provide its document to show the 5 %, not 10 %. It has never provided any document. Then, it changed its position, told me that Discover credit card did not offer any promotion at XXXX. 
I field complaint against Discover credit card XX/XX/XXXX. Discover credit card responded with the complaint was not authorized user. It is total lie. The attached documents show that I do go by different names and Discover credit card is fully aware of my names. 

In summary, Discover credit card has unfair dealing and cheating me on the promotion.
Consumer complaint received 2016-05-11
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Collection Information Bureau, Inc. (FL)

I have asked Doctors Business Bureau to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2016-08-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (DC)

PNC Bank changed my checking account. I opened my checking account with National City Bank when I was in XXXX school it was a free checking account. When PNC aquired National City I was informed nothing had change with how my account operated and if something were to changed I would have a say in what product to choose from as they offered different checking account options. I never got anything notifying me of a change to my checking account. I had {$15.00} to {$20.00} dollars in my account they took it all with charges based on changes they implemented. When I called in the 1st guy said sorry and that he would do his best to issue me the funds. He would open a ticket with a manager to contact me - the manager said my money would not be refunded as i did not comply with the account rules. Again they changed the rules. In addition, I learned that they do offer free checking for online banking but did not change my bank account to that option or asked me what option i would want to take due to their change in policy. I mean they should have provided me the option as their customer to decide what checking account would work best for me based on them changing their products. Instead they caused me headaches and money and have lost me as a customer.
Consumer complaint received 2016-01-26
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: DISCOVER BANK (CO)

Discover is now offering consolidation loans. I took XXXX out and I also opened a discover " bank '' account. The bank account pulls money from my checking account but then holds the money for over a week. I want to say the funds were held for 7-10 days. That 's fine if it was a check but this is an EFT transfer. So, I 'm losing the money out of my bank and not able to use it to pay my loan. So, In the meantime I look at my loan and pay the bill but the payment gets returned because the funds that they pulled electronically are n't available yet. Ok fine that does n't seem right but whatever. So, I paid 2 months on the loan and it should be due again in XXXX. I get online and verify this. Then today I find that the loan payment pulls monthly even if it 's not due. So, the site a few days ago says the payment is due in XXXX. I look at the next payment and that says XXXX and yet the payment gets pulled for XXXX anyway. So now I 'm overdrawn on the bank account will pay a fee for the return on the loan as well as an overdraft on the bank account. Then they 'll pull the money from my checking account. Hold it for 7 plus days and take fees out of it. So, when it 's time to pay XXXX bill it will be short and I 'll have to send more money that will get held and have fees taken out of. So, it 's this vicious cycle that you ca n't get out of. They should n't hold a deposit that they pulled eft out of my bank account for that long. They need to give better info on when payments are being pulled and they should n't say a payments not due and still pull it. It all ends up costing the consumer a lot in fees. After the last time this happened I thought I was planning ahead and getting the money into the " bank '' account a month early was enough time. It is n't. I 'm out fees again. Does n't seem right. Maybe it 's just me,
Consumer complaint received 2015-11-24
Product: Bank account or service — Cashing a check without an account
Issue: Making/receiving payments, sending money — 
Company: Synovus Bank (CT)

I have run into a problem with Synovus BankXXXX on XXXX Florida, XXXX, regarding an illegally honored check. I am a representative XXXX. It came to my attention that a payment we were supposed to get by the XXXX Insurance company never came, and upon further review discovered that this check was already honored and asked the XXXX records department for a copy of the cleared check, in which they provided. This check had BOTH the names of our client, XXXX XXXX, AND XXXX, on the Pay to the Order section. This check should have only been honored by Synovus if XXXX the proper endorsements were on the back of this check. We NEVER signed the back with our endorsement, when the majority of the check was supposed to be ours, yet it was still honored, and now we are out over {$8000.00}. If the check has XXXX names on it, it requires XXXX endorsements. This was not done. After calling Synovus bank for weeks on end and getting the same story about how thy cant do anything about it, the manager XXXX proceeded to tell me never to call back and that she was done with me. I need help taking legal action against this institution.
Consumer complaint received 2017-04-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Recovery Systems (MI)

A medical claim was met through deductibles. A total charge of  XXXX  dollars and  XXXX  were sent in.   XXXX   of Illniois covered through insurancr. The total amount I owe on both is  XXXX  dollars. I sen t MRS the  paperwork and told them they were wrong to begin with since I delay with this over a year ago. I retained a lawyer and once this is cleared I plan to sue MRS. My wedding is in a week and because of this false collection it twice prevent me from being  approv3d o n ctedit. The documents were sent to  MRS and   XXXX . Currently is dispute.
Consumer complaint received 2022-02-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ZWICKER & ASSOCIATES (GA)

Dear Consumer Financial Protection Bureau I am contacting you with regards to the matter with XXXX XXXX XXXX XXXX regarding file # XXXX with a debt dated XX/XX/XXXX in the amount of {$19000.00} and all attempts have been ignored. I was on the phone with XXXX when the called to verify during my home refinance and he could not say if the debt was mine or not. This debt does not belong to me and I have made several attempts with XXXX XXXX sending clear explanation as to me being a victim of identity theft. My information was used to get loans and credit cards with many creditors and I quickly tried to resolve this and have not had any luck. The assumption is that my name and other information was obtained to get this but when I last checked if it wasn't't me and someone else used my information then it is clear identity theft. 

I was quick and filed a police report with the XXXX Police Department and filed affidavit with the Federal Trade Commission where I obtained a affidavit number to back my innocence with the assumed debt. I have know knowledge that I ever owned, or opened any account with XXXX XXXX XXXX XXXX and now I am being sent letters from Zwicker and Associates PC that gives me a response date of XX/XX/XXXX as a debt collector to collect a debt that was a part of my identity theft and should have been deleted along with the other things I've been fighting. I have taken every step to fix this with the bureaus and unfortunately, since they are paid to keep negative information they simply stopped my pursuits. I have send my drivers license, social security card etc... only for them to return saying the debt is valid. 

Valid how? I never received any loans or goods from the mentioned company and I need your assistance to please stop any collection and pursuits also to delete the blatant derogatory information from all three bureaus immediately.
Consumer complaint received 2020-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK (CA)

Discover Card offered me a drastically reduced interest and balance amount on more than one occasion. I agreed to the terms on more than one occasion. Discover Card will not honor their offer without access to my checking account to automatically deduct payments. I was enrolled in this in the past and am left with massive, unfounded charges when I notified them four months in advance that I would be closing the checking account and would be willing to provide the new account number. Discover Card did not comply, would not even provide me a written monthly statement via mail, and charged me massive late fees and interest. I received exactly one written statement in the last 6 months and have continued to make payments. I have notified them, again, that I never received the " offer '' that was presented to me. I notified them in writing 4 times that I am entitled to receive a monthly paper statement at my current address which they have and use when it suits them. I have asked numerous times for my full account number as I pay my bills electronically. To date, Discover Card will not even provide me this information. I need my account information, monthly statement mailed to me, and would appreciate the offer made and accepted by me twice.
Consumer complaint received 2021-01-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (WY)

I have submitted a complaint about Freedom Mortgage in the past. I requested an apology, the lowest interest rate available and my fees for my refinance to be waived as they have lied to me several times and I have emails documenting their lies. I requested a personal apology but they thought that their response to the complaint was " good enough ''. I was not given the compensation or the apology that I requested. I have spend over 2 months working on getting this refi completed and have lost out on over {$600.00} that they promised me that I would save. I have spend hours on the phone with this company and they refuse to own their poor behavior. They also sent me a response that was intended for someone else, so they have failed to maintain confidentiality, and even provided me with that person 's personal information.
Consumer complaint received 2015-03-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Flagstar Bank, National Association (NJ)

I opened a bank account at Garden State Community Bank in XXXX, NJ, a branch of New York Community Bank. I explained to the manager XXXX that I would be making cash deposits on a XXXX basis of approximately $ 3,500- {$4000.00} per XXXX based on my XXXX take home pay from where I work. I receive a paycheck from XXXX XXXX Bank each XXXX and then take the check to a XXXX XXXX Bank branch up the block to be cashed. After taking some money for myself and giving my wife some money, I deposit the rest into my checking account in cash to pay bills. She assured me this would not be a problem. A few months later, a new manager, XXXX, informed me that she had heard from the back office that there was a problem. I explained to her what I had explained to XXXX, and she told me everything would be fine with the explanation. A few months later, a new manager, XXXX, said she had been contacted by the back office as well. I explained to her as I had explained to XXXX and XXXX previously, and offered to give her a copy of my pay stubs to show where the cash was coming from. She agreed to review the pay stubs and send copies to the back office. She then assured me there would be no more problems. I then received a letter from the VP of the Bank, XXXX XXXX, informing me that there was suspicious activity in my account and that the bank would be closing my account effective XXXX XXXX of this year. I called and spoke to XXXX and when I explained everything to her, she assured me that everything would be fine and I would be able to continue my banking. I then spoke to XXXX XXXX who told me that he would review it and yes it was the cash deposits i was making, but that it is highly unlikely that the bank will reverse its decision. He informed me that they were under the scrutiny of Homeland Security. I told him that I had a problem with this decision because I was doing nothing illegal. He confirmed I was doing nothing illegal, however he again said it is very unlikely that the bank will overturn its decision.
Consumer complaint received 2022-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP (CA)

Called on XX/XX/2022 to add my mom as an authorized user. She does not live in the US and does not have SSN, was told by the agent that another department would be able to override the requirement. Got transferred to an agent, verified codes. Got disconnected. Call again and found out that my account got blocked for further review. Spoke to a supervisor, and sweated all questions yet block was not lifted : I am leaving country in 6 days and need this card with me. This is just not right to have it blocked without any explanation.
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-02-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Sunset Management, Inc (GA)

Hello, I've tried speaking with the branch manager about my loans and it falls on deaf ears. XXXX is her name she's bombarded my work place with phone calls, calls my references gosh knows how many times, comes to my job as well acting as an customer or getting coffee at XXXX, calls my cell phone at least 10-20 times a week either through company phone or her personal phone number, comes to my apartment bangs on my door that it scares me. All these tactics she's doing had caused me an XXXX XXXX from worrying.
Consumer complaint received 2015-08-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: AES/PHEAA (KS)

I American Education services continues to call and email monthly when my payment is due. I have attempted to contact them and complain to them as they demanded that I make 3 payments from XXXX XXXX 2015 thru XXXX/XXXX/2015, which have been made when I called to discuss this with them they would not call me back as I requested.
Consumer complaint received 2015-10-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Unifin Inc. (OH)

Receiving multiple calls from debt collector for my fathers debt. Automated dialers calling my cell phone with out my consent. I never provided them my numbers nor did my father provide them. I asked them to stop calling but they continue. When I call them back they refuse to tell me who they are and just hang up on me. The same guy hung up on me like XXXX times but used a different name every time I called.
Consumer complaint received 2016-04-01
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Talked to Bank of America representatives on XX/XX/2016 about refund of bank withdrawal on XX/XX/2016. It is XX/XX/XXXX, more than forty days have passed, they have not returned the XXXX $ back to my account.
Consumer complaint received 2023-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (CA)

The Card was mailed to my old address and someone fraudulently made charges and Chase does not accept the fraudulent charges and wants me to pay for them, I have gotten a police report, letter from my apartment stating my move and they are still not accepting, this is over {$5100.00} Dollars. 

Please Help, XXXX XXXX XXXX