davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TCF NATIONAL BANK (PA)

On XX/XX/2017 I found a Hard inquiry from this company on Credit report. I have not or nor have I started business with the company stated which is Gateway One lending and Finance XXXX, CA XXXX. I have not requested any Car loans or vehicle lending service. I submit in full confidence that this is a major error that has and could still negatively affect me. I require a release from this company in writing to have this removed from my credit report. Despite having over XXXX consumer complaints on the bbb, I am sure I can seek and receive a satisfactory outcome in this matter. If you could, once confirmed please send a letter via through the cfpb portal so that I can have a copy on hand. Thank you.
Consumer complaint received 2015-06-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TCF NATIONAL BANK (MI)

I 'm am submitting a complaint against TCF Bank and their ridiculous overdraft fees that they themselves are controlling. I can not understand how when I write checks at a local supermarket that has daily deposits my bank can hold onto checks until my account draws low enough to that when the check clears I will overdraw. This has happened to me countless times. Last week I was charged an overdraft fee XXXX minutes after using my card, which I had done all day. I went to TCF and asked how this was possible and they told me I did n't have sufficient funds. Then how was I able to use my card all day if I did n't have money in my account? Conveniently, this has led to an additional XXXX overdraw charges at {$37.00} each. I am currently overdrawn by {$78.00} with another charge coming. All stemming from their incorrect charge a week ago. I am seeking for them to replace the {$220.00} in overdraft fees they have caused in the past weeks. I also would like an explanation how XXXX check can clear in 3 days, while another at the same location takes 8 days, and then XXXX other checks that were written 5 days apart can clear on the exact same day? I am fed up with this establishment stealing my money and crushing my life. I 'm trying to raise XXXX children and help my struggling fianc and as it stands now we wo n't be able to afford our rent payment thanks to this big bank.
Consumer complaint received 2016-12-20
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (MD)

In XX/XX/XXXX I applied to Chase for a short sale of my home which has a troubled mortgage due to repeated unemployment. The decision on XX/XX/XXXX was non-approval for the reason " The property is n't occupied by the owner and has been rented for more than XXXX year. '' I had left the area for a business opportunity, returned, had a XXXX day gap between when renters would leave and when the buyers wanted to close and had no knowledge during the XXXX month long application process that I would have needed to occupy the home. The non approval has killed the sale and almost ensured foreclosure. I was told by the representative at Chase that the HAFA program, which allows short sale of a tenant occupied property, ended in XX/XX/XXXX. I believe that is no correct and that the XXXX deadline is XX/XX/XXXX and that Chase had an obligation to consider me for this when short sale was requested.
Consumer complaint received 2016-08-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc. (CA)

The school let me accrue alot of debt charged me for a class I tested out of, Plus I tried contacting them many times about accruing a debt I can not afford due to I am currently homeless. They hangup on me alot, and if they dont then they always say there is nothing they can do for me.
Consumer complaint received 2017-01-31
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (LA)

Chase Bank closed my account without notification for a mistake that they made and I had to wait almost 30days to get my money back because of their hold policy on an account less than 30days old. They closed the account with XXXX $ still in the account and did n't say why it was closed just when I went to use it I got denied. They wo n't close this account until almost 20 days since the account was in process of closing. They have no reason to hold the money because they will not allow any transactions to go through. This has almost messed up my daughters child income not allowing despisers to be made. They have lied about why and how long they would be holding the money and I can not access my own funds.
Consumer complaint received 2016-04-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES (WI)

I currently have many student loans, all through Great Lakes loan ( GLL ) services. I have been overpaying my loans to more quickly pay them off. According to great lakes loan ; " The regular monthly payment goes first to accrued interest, and then is prorated over the loans within the account. If your payment is larger than the regular monthly payment, the overpayment is applied to the principal on the loan with the higher interest rate, assuming all outstanding accrued interest is paid. " When I first setup my account I was asked to setup a monthly auto-pay for a 0.25 % interest deduction. I of course did so. This auto-pay is assumes a default " 10-year '' repayment plan. What I have been doing is making extra payments 1-2 times a month in excess of {$1000.00}. Using their phone app everything looked like it was going well. I then logged onto their website and saw a discrepancy. GLL has been taking my extra payments and applying them equally across all of my loans, not to the ones with the highest interest, like initially thought. After contacting GLL they informed me that the statement above only holds true if I overpay via the " monthly payment '' not the " one time payment ''. This is purely a ploy to not pay off my highest interest loans and keep me on as long as possible. Their statement says nothing about a " one time payment '' exception. When i called them out on it they replied with ; " We are happy to reapply any additional payments as you direct, assuming all accrued interest has been paid, although it is necessary for you to submit a request via email or phone after each payment is made in order for us to do so. Thus, it is generally to your benefit for you to make a single, larger payment at the time you make your regular monthly payment, rather than to make a separate, extra payment after making your regular payment. '' How does this make any sense? why would they be treated any differently? I have to contact them after each " one time payment '' to tell then to put it towards my highest interest loans ...? I have been repaying my loans now for 2 years and could have avoided hundreds of dollars of interest if they had done what they said they did with overpayments. which is what a " one time payment '' is, regardless of whether it is part of the standard monthly payment or not.
Consumer complaint received 2018-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NC)

I applied for a credit card with Chase Credit Card ( J.P. Morgan Chase Bank ). My card was approved and opened XX/XX/XXXX with a {$33000.00} ( XXXX XXXX dollar ) spending limit. My card was closed by them on XX/XX/XXXX. Chase is using criteria which is having a disparate impact on XXXX and possibly other minorities. The reason I say other minorities is I believe it also effects people of non- XXXX XXXX. Several lawsuits and complaints about XXXX accounts being closed. So an XXXX may be demographically listed as XXXX but isn't XXXX. Hence I also believe that a careful look at those that effected from the policy ( s )  they are using to deny me credit ( I have 820+ credit scores ) have a disparate impact on XXXX and possibly non-XXXX. This is the 3rd time they closed an account and have refused me credit. The initial happened after I used my card in XXXX and used my bank account to wire money to the same. I am XXXX hence I travel to XXXX as a XXXX would travel to or send money to XXXX. Please stop these unfair practices. People should be treated equally regardless of origin or visiting countries. My identity was confirmed and I have never not complied with any regulation.
Consumer complaint received 2017-01-17
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (TX)

We called Chase to refinance our home and cash out on XX/XX/XXXX. We were told that we could get {$75000.00} cash out and Chase would have to pay XXXX credit cards off and we would receive that remaining cash. Chase said our credit was fine, and that an appraisal would be ordered. The appraiser came on XX/XX/XXXX. On XX/XX/XXXX, Chase stated the loan was denied due to Underwriting. First they said it was because we owed {$92000.00} in old business debt and we sold the business XX/XX/XXXX and had no remaining debt. And then they came back and said it was because the debt to income ratio was over XXXX %. They never said a word about debt ratio being high. Why would Chase Home Mortgage waste {$500.00} of my hard earned money before ever having the refinance reviewed by Underwriting. This is the second time Chase Home Mortgage has collected money for an appraisal upfront without review. They did the exact same thing to us XX/XX/XXXX. They hastily order expensive appraisal before allowing Underwriting review first. I want my {$500.00} refunded. This is corrupt. They know exactly what they are doing. If this has happened to us 2 times in 4 years they are banking a huge sum of money from consumers. Why would you waste consumers ' money if you had not reviewed the chances and requiremenst of Chase Mortgage before hastily ordering appraisals. And by the way we have over {$140000.00} in equity in our home and do not have derogatory credit. There is no excuse to be charging us money for an appraisal only to waste my time and money.
Consumer complaint received 2015-07-24
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO. (NJ)

This involved Chase Bank and their routine customer practices. 

I recently opened a personal checking account with Chase Bank. In the process, a prompt popped up on the computer screen stating that I have been pre-approved for a credit card. The banker then tells me this information and asks me if I would like to open a credit card. I say yes, understanding that I have been pre-approved, and then the banker asks which credit card I would like. The banker shows me a list of credit cards that range in approval odds and rewards. 

I suspect that Chase Bank is deceiving their customers because a day prior, I applied for the lowest tier credit card with Chase Bank was was denied instantly. It does not make sense that I would be pre-approved to open a credit card from the same institution that I got denied one from. 

After talking to several bankers, friends, and acquaintances, I was informed that this message is displayed to all customers.
Consumer complaint received 2016-06-15
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: D&A Services, LLC (AZ)

This is a complaint from XXXX XXXX against D & A Services for D & A 's failure to provide requested information for the debt alleged. On XXXX XXXX, 2016, consumer, XXXX XXXX, received a demand letter from creditor, D & A Services. On XXXX XXXX, 2016, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been over 3 months since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of XXXX XXXX, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Consumer complaint received 2017-01-24
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: SLM CORPORATION (PA)

I recently saw that the federal government has filed a lawsuit against Sallie Mae and was directed to file a complaint against them on this site. I have had nothing but issues with Sallie Mae since I applied for a loan prior to starting college in XXXX. I believe that they had me borrow more money than I ever needed to from the start and since I graduated in XXXX I have struggled tremendously with repaying them. I have had issues finding a job in any field despite having a XXXX and my payments to them are making it nearly impossible to repay them. I contacted their customer service this past summer to attempt to sign-up for an income-based repayment plan and was treated rudely by their customer service and was told that they do n't have such a plan. Later, I found out that they do and ended up defaulting on a few payments until it all got sorted out. I am tired of dealing with this company and, alongside millions of other recent graduates, would like to see them have to deal with how they have treated their borrowers.
Consumer complaint received 2015-08-07
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Accounts, LLC (VA)

I was called by capital accounts. I told the caller that the number he was calling did not belong to me and he did n't have permission to use it. He continued to tell me I needed to get back to the point of the call. I told him I would report the company and he said do what you want.
Consumer complaint received 2017-02-27
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (TX)

The company has failed to provide any type of proof that this debt even belongs to me. The company never submitted a letter or any type of notice that I a debt with the company but in the mean time the company is reporting on my credit report. Since noticing the account being reported on my credit, I have submitted a Consumer Debt Validation which I have attached.
Consumer complaint received 2016-09-09
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc (NC)

This debt was disputed on XXXX/XXXX/16 via email. A response was not received for the dispute. 

Moreover, debt collector sent XXXX harassing emails within 2 hours. Debt collector first called my phone XXXX XX/XX/XXXX at XXXX from XXXX leaving a voicemail but sent no other correspondence. 
The debt collector has tried to make the communication sent on XXXX/XXXX/16 looks like it is a law firm and threatens to charge interest, late charges and other charges.
Consumer complaint received 2016-09-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (CA)

I wrote to XXXX and called numerous times. Calling was not possible as I would get put on hold and then hung up on. finally I wrote to them and informed them that I was discontinuing my service. They continued to bill me and now it has been sent to a second collection agency, ERC. The first collection, XXXX, only responded to my correspondence by sending me a statement. No help as it showed a service I had discontinued. Please have them reveal my document to you and not report me to a collection agency. Thank You.
Consumer complaint received 2015-04-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (CA)

On XX/XX/XXXX Enhanced Recovery Company , LLC called me several times and sent a notice that I owed {$690.00} to XXXX XXXX XXXX. I had no responsibility for the debt and disputed via mail. 
I received another debt notice from Enhanced Recovery Company , LLC for {$330.00} on XX/XX/XXXX. Again, I have no responsibility for this debt and am disputing it. 
Obviously, the company is fishing for victims who will pay the debt for whatever reason. 
Can something be done to stop them? 
Thank you in advance for any help you can provide. 
XXXX XXXX XXXX
Consumer complaint received 2015-09-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (NC)

XX/XX/XXXX I cancelled my contract with XXXX because my phone would not work at my home. I was told that I would receive a last statement. The first of XX/XX/XXXX I received a statement of {$26.00} which stated " This is your final bill, and it reflects all charged through XX/XX/XXXX. On XX/XX/XXXX I paid this bill in full. Around the XX/XX/XXXX, I received a statemen from XXXX stating that I owed XXXX {$250.00}. I called this company and told them this information and then sent copies. While talking to them, they stated that on XXXX XXXX, I paid {$40.00}. I did not pay anything after XXXX XXXX. I thought that would stop the harassment and that it was all over. At the end of XXXX, I received a bill from XXXX XXXX XXXX with the same information. I mailed the same information to them on XXXX XXXX showing I had paid their bill. Today I received a bill from Enhanced Recovery Company LLC demanding that same amount from XXXX. I believe that XXXX is harrassing me by continuing to have different companies send letters demanding a bill that they know I do not know. Also, I believe they are putting this on my credit report every time. Can you please stop this harassment?
Consumer complaint received 2016-06-01
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (OH)

When i took loan out i wasnt told the interest rate just that it was like XXXX interest fee that i agreed to and now they keep calling saying they are going to sue me and be home at this time so they can serve me legal documents to sign this is from castle payday loans online in ohio
Consumer complaint received 2015-04-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Williams & Fudge, Inc (IN)

XXXX XXXX University in XXXX, Indiana is where I got the loan, I ended up paying the bulk of it and a balance of {$59.00} was overlooked and ended up being sent to a collection agency, Williams and Fudge Inc., I made the payment the moment they called me in XXXX of XXXX, now 2 years later we look at my credit report and their name as well as the {$59.00} balance is on there as active, I thought this may be a mistake so I called the agency, I spoke to XXXX rep a male, he did not give me the mini Miranda before discussing the account, and next I spoke to a female rep and she gave me the mini Miranda, I told them what issue I had and I was told the man I need to speak to was not available, that was fine. I scheduled a call back time with them for Thursday XXXX XXXX at XXXX, the call never came, I just want this resolved and I am upset with the damage caused to my credit because the collection agency could not act responsibly
Consumer complaint received 2016-06-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (NY)

I received repeated calls from a company claiming to be collecting a debt from a XXXX year old XXXX acct in the amt of {$42.00}. I asked repeatedly to send me a proof of debt or anything showing a bill where I owed. I never received anything from them but, an email with a letter attached with their company letter head and a line saying I owed them. Then during this process I moved to XXXX and started the finance process of buying a home. Due to the amount of time it takes up here to close my credit with the lender expired causing them to run it again. When they ran my credit again my score dropped XXXX points thus raising my rates because Enhanced Recovery Co. ( ERC ) reported the {$42.00} debt to the credit bureaus. I immediately called ERC and disputed the claim. They advised me that the only form of communication sent to me regarding the debt was mailed to an address I no longer live at in XXXX. I asked why they never contacted me in other ways ( phone call or email ) and they gave no explanation. They emailed me a letter ( illegal in the XXXX ) that went to the credit bureaus ( attached ) at that point requesting it be deleted from my record. At this point my mortgage has risen from {$1800.00} to {$2000.00}, up {$160.00} a month over a {$42.00} debt that no one has provided me any proof of owing. How is this legal? I close on my house in a week and XXXX XXXX has asked for a " rapid re-score '' but the timing of the credit bureaus removing is not immediate and the company that re-scores takes 3-5 days and is currently waiting on an additional verification from ERC that it was submitted for deletion? How do they get the right to verify the deletion when they received a letter from ERC but I am not provided with any verification when I request it. All of this over {$42.00}.
Consumer complaint received 2017-03-25
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (OR)

I was in need of a loan so I called and applied for a payday loan through big picture loans. I was approved for a {$770.00} loan and was told my finance charges would be in the neighberhood of {$250.00} and that my first payment would be on XX/XX/XXXX. I was told I needed to hurry up and sign the documents if I wanted the money in my account the next day. What I was not told, nor did I see anywhere on the e-document I signed, was that I was actually going to be charged almost 700 % interest on the advance. I have now paid {$1600.00} and I still owe almost another {$4000.00}. I never would have accepted the advance if I knew it was going to cost me over {$5000.00} to borrow {$770.00}.