davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (KS)

I had and account with XXXX XXXX that was transferred to Green Tree. Since the transfer in XX/XX/XXXX, Green Tree has used unfair tactics to harass me. A day after I am late for a payment they call none stop from the beginning of the morning until late at night until the payment is made. At the end of XX/XX/2015, they left a message on my ex-husbands voicemail at this home. The message stated that they were taking me to court. They provided him with details of my account and provided him with a bogus court hearing number. They also left a threat on his voicemail stating they were coming to my job or house to serve me with a lawsuit. On XX/XX/XXXX, Green Tree sent a letter apologizing for an error on a bill sent on XXXX/XXXX/15 erroneously included information that I was in default. As a result, I have been receiving calls from other lenders asking if I was in default. This error was reported on my credit report and corrections must be made to my report.
Consumer complaint received 2016-04-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NY)

I have been making payments on my mortgage and instead of applying them to my principal/interest/payment, they put it in " unapplied funds. '' Numbers ( amounts ) and payment dates are not matching up with actual amounts and actual dates.
Consumer complaint received 2016-09-30
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (CA)

They are trying to charge me for a lease return for body damage that was repaired by a certified body shop at the XXXX dealership. I have paper work that shows what work was done and what they are trying to charge me the car was turned in on XXXX/XXXX/2016 and was not inspected until XXXX/XXXX/2016 by ally bank and I 'm not in good health and this is stressing me out.
Consumer complaint received 2016-01-06
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (TX)

On Friday afternoon, XXXX XXXX, I was contacted at my home by telephone by a representative from Chase Bank ( call # XXXX ) indicating that there appeared to be fraudulent activity connected to my accounts, and asking me to add a password and security questions to my credit card accounts. About an hour later, I was called once again at home by telephone by a respresentative from Chase Bank ( call # XXXX ) asking me if I was physically present at a branch - I indicated I was not, and told the representative about call # XXXX, and suggested to her that they should detain the individual in the branch, as that was likely the fraudster. About a half hour later, I was called yet again at home by telephone by a representative from Chase Bank ( call # XXXX ), indicating that they believe there was fraudulent activity on my checking account, and that there were withdrawals for cashiers checks. I responded that these were clearly fraudulent activity. The Chase representative told me that I should come to a branch, and close the accounts, and re-open new accounts, which I immediately did ( we arrived at the branch at approximately XXXX ). Online activity indicates there were XXXX withdrawals to fund cashiers checks, XXXX for {$1800.00}, and XXXX for {$3500.00} ( copies of these withdrawals attached ). Had Chase checked the signature card on file, they could have clearly seen that the signatures on these withdrawals slips are not mine. 
I understand this claim is noted with the Chase internal claim # of XXXX. 
Chase is telling me it may take 30-45 days to return my money, even though I have sent them an claim along with the notarized police report.
Consumer complaint received 2016-05-19
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LENDER LIVE (CA)

Suddenly, got a call from XXXX ( in XXXX ) that we had missed XXXX loan payments ( XXXX & XXXX ), but our loan had been sold in XXXX last year to LenderLive, not XXXX When we called XXXX, we were told that " for some reason '' a welcome letter had not been sent, so we asked for it. Also, to-date, XXXX is unresponsive, about why they did n't pre-tell us that this change was to occur ( and who they sold it to, so we could make the necessary auto-pay changes )
Consumer complaint received 2017-10-11
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (NJ)

I started a Loan Mod with Seterus and I also applied for hardest hit fund. I Luckly got accepted for Both. I signed Paperwork and Seterus took the money and used {$6000.00} and sent it back to Hardest hit Fund. Saying they couldnt use the fund but took {$6000.00}. And then sends me a letter saying i owe {$1500.00} in escrow money. When hardest hit called they said i do n't owe anything. 
They took XXXX and created a Deferred Principal Balance to be paid at the end of the Loan. When they could have used the hardest hit fund to the Principal.
They told hardest hit fund they could n't use the help and now they are asking me for the money.
Seterus is running a scam to overcharge customers. House is not on the Fair Market Value. Fair Market Value of the house should be XXXX.
Consumer complaint received 2015-07-31
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SECURITY FINANCE CORP (SC)

I have had nothing but problems with Security Finance. My main concern is that they would not accept payments from me in order to make sure I got late fees. Even after the loan was payed off I still had to pay late fees. I was treated very rudely screamed at, cussed out and I think this company needs to be investigated for unethical business practices. In my last conversation with the office the manager threated to place fees on my credit even though I had paid the loan off.
Consumer complaint received 2016-05-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AMCOL Systems, Inc. (NC)

my personal identity has been stolen and used to open this account i have filed police report and and affidavit to that effect but this company has this fraudulent account on file as me as well as continue to try to collect and report this fraudulent account to the credit bureaus ...
Consumer complaint received 2015-07-30
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: KEYCORP (CA)

I had several IRA accounts that were held by XXXX. In 2013, KeyBank bought these accounts from XXXX. In XXXX of 2013, KeyBank closed these accounts - without my knowledge or permission. They supposedly mailed a check to me and they reported this to the IRS as they are required to do. 

I knew nothing about any of this until I received a bill from the IRS a few months ago, stating that I had unreported income in 2013 and owe them several XXXX dollars. 

KeyBank states that sometime in 2013, prior to them closing my accounts, they mailed a form to me to sign if I wanted to keep my IRA accounts open and active with them. I never received this form. I never received the check KeyBank issued in 2013. I never received a XXXX for submitting with my 2013 taxes from KeyBank. Any XXXX of these items certainly would have raised a flag with me.. 

I have been in contact with KeyBank on a very regular, often daily, basis trying to resolve this issue. They finally researched and agreed that I never received the funds. They are willing to send me a replacement check ( for POST-tax funds, not PRE-tax funds as the accounts were established ) *IF*, and only if, I sign an indemnity form holding them harmless and promise no legal action. This is as far as they are willing to work with me. 

I have attempted to contact XXXX XXXX XXXX XXXX, their Chairman and CEO, for assistance, and she passed my request on to their Executive Support Department. The executive customer support department maintains the same position, that this is solely my problem and that they will issue me a replacement check ( post-tax funds ) if I sign an indemnity form holding Key Bank harmless in all of this. 

Frankly, this is an unacceptable resolution. 

KeyBank is unwilling to : Take any ownership of the mistake they made Take any corrective actions for what they did Provide any documentation to the IRS on my behalf indicating that I did not receive these funds in 2013. 
Correct their mistake and either reopen the accounts or roll these funds into another tax deferred account - funds that they have been in possession of this entire time. 

KeyBank states that they are unable to because it would have to be a new account and IRS contribution limits apply. Frankly, this statement is a bit nonsensical to me. They closed the original accounts without my permission ; they can certainly go back and re-open them, especially since they have been in possession of my funds this entire time. It is really amazing to think that I can be made to pay taxes and penalties on funds that I never received. 

KeyBank needs to, and has the ability to, correct this situation by maintaining my funds in pre-tax status and submit amended and corrected information to the IRS, but they are unwilling to do so.
Consumer complaint received 2017-03-10
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Nelnet, Inc. (FL)

I received a letter saying I owe a student loan and must send the amount to them.The letter used the US Dept of Educ. but did not indicate who is the servicer who gave them the authority to collect for them. I called the number of the collection agency and the person on the phone said it was a student loan for my daughter 10 yrs ago in my former married name, ( I 've been divorced since and use my maiden name now ) and its defaulted loan. The person on the phone said that I can make payment arrangement based from my income and budget, as low as 5 dollars a mo. in order for the debt to be out of defaulted status. I was skeptical, but I answered all personal questions including where I worked, how much I make, even my budget etc ... since I barely have money left for food expenses, he said I qualify for 5 dollars a month. I thanked the person and I said give me the website where I can pay online. He said that their program is only for automatic payment and I need to give my bank acct or debit card to pay the 5 $ monthly payment. I got nervous and I told him that I will call him back in the morning and I got his name and ext number. The following day I researched and make calls and with the help of the account number on the letter the collection agency sent me, I found out that this so called defaulted loan, has zero balance. That 's why it was not even in my credit report, and I do check my credit score every month, and my credit report at least every 6 mos. So I blocked the collection agency 's phone number to stop them from calling me. They have been calling me and leaving messages, even using local phone number to trick me to answer their call. After 15 days of the original debt collection letter, I received again 2 letters back to back in 2 days, same exact letter, but the balance owed is more but with same loan account number. So I decided to report them.
Consumer complaint received 2017-02-28
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Home Loan Center, Inc. (PA)

I submitted an online request for car loan rates from lendingtree.com. Through the course of submitting my information, I was asked for the last " XXXX '' digits of my social security number for verification purposes. Then, on the final screen of the online request form I was asked for my entire social security number. After submitting my request, in the " fine writing '' at the bottom of the web screen it states that some of the lenders will perform " hard pulls '' of my credit to verify their quotes. 

I immediately called lending tree to ask that my application be canceled. I was told by lending tree that my request had been canceled and no lenders would pull my credit. 

I was not explicitly told, via their web intake forms, that " hard pulls '' would be performed on my credit. There are other sites like XXXX XXXX, that provide quotes for prospective borrowers, based on the information submitted. However, to verify the exact loan amount obviously a " hard pull '' would have to be performed and income verified if one chose to move forward with the loan. 

After getting off the phone with the agent I began receiving phone calls and emails from prospective lender. XXXX is one such lender, that verified that my credit " had '' been pulled in order to provide me the loan and rate they provided. 

I think lendingtree.com 's practices were misleading and predatory. If they intended to perform a " hard pull '' of a prospective users credit, I believe they should have explicitly stated that as opposed to burying this information in the fine print of their web browser that is only legible " after '' a user has submitted their information. Consumers are right to try to protect their credit scores. Those of us that are informed understand that multiple " hard pulls '' on our credit has negative ramifications. 

I think lendingtree 's practices show that they are not concerned with protecting consumer 's rights but only with maximizing their potential for increased profits, by providing lenders with the maximum number of potential leads as is possible. I was mislead by the customer representative agent, that told me that my account would be canceled and no lenders would perform " hard pulls '' on my credit report. She blatantly lied. As an agent, I am sure she was aware that as soon as I hit " send '' my information would be blasted to potential lenders. 

As opposed to apologizing for her companies failure to explicitly inform me that a " hard pull '' had been performed, she lied to me and told me that " no lenders would perform hard pulls '' and that my account would be closed, so that no lenders would have the opportunity to access my information. The fact that she lied to me makes me furious. I have attached a copy of my credit score that was pulled by XXXX of the lenders. Consumer finance companies have engaged in deceptive practices for a long time. I may be XXXX person but I hope that you look into this matter and stop lendingtree.com from continuing to perform in this manner. 

Thank You
Consumer complaint received 2016-04-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ARVEST BANK GROUP, INC. (TX)

My mortgage servicing was recently transferred to Central Mortgage Company. They are charging me a {$5.00} fee to make one-time payments online. This is an unusual and unfair practice, especially in 2016 in which all banking and payments are done online electronically! In my loan documents, it was stated that there are no prepayment penalties. Well, this " fee '' is a penalty, in which if I wanted to make more payments in a month to lower my principle I am being penalized. Please help as this ca n't be an acceptable practice.
Consumer complaint received 2015-07-13
Product: Prepaid card — Transit card
Issue: Unauthorized transactions/trans. issues — 
Company: REGIONS FINANCIAL CORPORATION (LA)

I purchased XXXX Regions Now cards and they were stolen and before I could report them stolen the thieves used up almost {$5800.00} of the {$9000.00} available. Regions has video footage of XXXX of these perps at XXXX of their ATMs in a hoodie and mask and it it quite evident he is of another race than I but Regions refuses to refund any of my loss.
Consumer complaint received 2016-06-09
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION (SC)

I bank with Regions Bank. I recently had overdraft fees of {$100.00} for XXXX items, XXXX of which is pending and the others have posted. Regions charged me overdraft fees for items covered by funds. There is also a credit to the account today while the transaction is pending that will cover the transaction. When calling them I asked how and why I was charged for {$100.00} for XXXX transactions rather than {$36.00} for the XXXX transaction that is a pending overdraft, they stated that it was because they did n't know how much it would be for, so they charged all items clearing and transacting that day. They stated that many people call in with the same issue all of the time. I explained that on the account ledger it looks like i was charged a fee even though the previous transactions cleared with a positive posted balance. Regions is ripping people off by charging exorbitant overdraft fees for previous transactions even when money is in the account to clear the transactions. The policy is ruthlessly arbitrary to customer 's bank account and funds.
Consumer complaint received 2017-03-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (OH)

I receive 5-6 calls a day from this company stating I owe a debt from an XXXX wireless phone bill. I have told multiple people that I do not owe this bill. I settled the account And paid it off in XX/XX/2012. I have asked this company to send me a formal letter so that I can respond with proof I paid this off. I received a copy of a random bill with nothing else stating they were collecting on this debt. I have called multiple times and ask that they mark this account as a dispute. I have provided proof this was paid in XXXX so 5 calls a day is a little excessive.
Consumer complaint received 2022-08-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NJ)

I had over {$20000.00} in my wells fargo account XX/XX/2022 Monday morning. I woke up Tuesday XX/XX/XXXX with numerous charges that drained almost {$10000.00} from my bank account. I called Wells Fargo and had it marked fraudulent. They canceled my debit card and are sending a new one. Wednesday morning I woke up and over {$7000.00} more was taken from my account. Over 2 days all of my savings have been wiped out. You figure as I NEVER spend money like that the bank would stop authorizing charges how could they even let someone drain 95 % of an account in 2 days without as little as a phone call???? I'm freaking out and don't know what happened. There is about 40 to 50 charges from " XXXX XXXX XXXX '' and " XXXX XXXX '' each for {$200.00} to {$300.00} I have used XXXX  app in the past. After reporting to the bank I have restored my phone, changed my XXXX, and all my passwords. Deleted all of these apps and changed my passwords. I don't know what to do and feel like someone just took everything from me.
Consumer complaint received 2015-11-11
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SCOTTRADE BANK (MO)

I 've had a number of problems with my Scottrade Bank account from funds taking way to long to transfer to not receiving a debit card or checks for weeks. I brought this up with my branch manager and he said those issues are dealt with via the XXXX XXXX. Well I called the XXXX XXXX and as expected was transferred several times, told to wait a few days for a response, and then nothing. 

At this point I asked Scottrade Bank to provide me with a copy of the Arbitration Agreement for my account. Scottrade Bank refused and continues to refuse to do this.
Consumer complaint received 2016-03-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GOLD KEY CREDIT, INC. (NY)

My name is XXXX XXXX XXXX and I am a XXXX XXXX XXXX. My son is also XXXX XXXX XXXX he is XXXX XXXX XXXX and we both live at XXXX XXXX XXXX XXXX XXXX XXXX. On XXXX/XXXX/XXXX, my son went to XXXX medical services. They have charged my credit report for failure to pay this bill. I am a member of XXXX XXXX XXXX since XXXX and I have had medical coverage the whole time. When I called the Gold Key Credit Inc of XXXX XXXX. XXXX to explain they made a mistake, they told me I had to get my son to pay! I am estranged from my son. My Cell XXXX and email is XXXXXXXXXXXX. Thank you for your attention to this matterXXXX
Consumer complaint received 2015-12-28
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SCOTTRADE BANK (CA)

Dear Sir/Madam, After reviewing this document : XXXX and being a victim of Identity Theft myself, I thought I would take some of the proactive steps to research and resolve the situation. 

I am writing today to ask Scottrade Bank provide me with access to my account so I can review the alleged debts and balances. Furthermore, I would like Scottrade to confirm what amount if any debt they allege to own. 

Scottrade previously claimed that I owe them money, but will not let me access to account to see the specific details.
Consumer complaint received 2015-12-12
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: GOLD KEY CREDIT, INC. (FL)

Gold Key Credit, Inc been reporting the following medical collection account number ( XXXX ) since XXXX 2015 according to XXXX and XXXX XXXX consumer reports, but I have yet not received any communication from this agency pertaining to this account, as a result I do not have the full account number or any additional information validating this claim. However I have printed the account details from my credit report and forwarded a copy with my initial request for verification of the debt and production of documents on XXXX XXXX, 2015. At this time I have notified Gold Key Credit, Inc in XXXX separate written communications that I dispute the validity, accuracy and responsibility of the debt. As of today, XXXX XXXX, 2015 Gold Key Credit, Inc has not responded to my multiples request as they are required. I have also filed XXXX disputes with XXXX and XXXX XXXX and I have received notification from the bureaus that Gold Key Credit , Inc has verified that the account belongs to me. Gold Key Credit , Inc has violated the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by continuing to report their negative mark on my credit report, affecting my abilities to obtain credit and causing me to lose an average of XXXX points on my credit score since XXXX 2015. I want this agency to proof the validity and accuracy or remove their negative mark from my credit reports immediately. Any assistance from you will be very much appreciated. Thank you
Consumer complaint received 2023-02-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo has been ordered to pay {$3.00} XXXX for the widespread mismanagement of auto loans, mortgages, and deposit accounts. Wells Fargo repeatedly misapplied loan payments Wells Fargo has not properly compensated me for their mistakes on my auto loan.