davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: M&T BANK CORPORATION (VA)

I wanted to get money from XXXX of my checking accounts, some in cash and some in an official checkI provided identificationI was told I needed to pay {$4.00} to be provided with a check before paying more money for the official checkI had no problem paying for the service of receiving an official checkI told them I did n't need a check, I just wanted access to my fundsThey said I would have to pay if I wanted access to my money in a checking account, although I could use a withdrawal slip and pay nothing if I had a savings accountTo make the foolishness continue, I said I would open a savings account, transfer the money into it, withdraw it, and close the savings account if that was what they wanted since it would be free. 
Waited on the line to open a savings account and was told I would n't be able to draw on it since the funds would n't have cleared. The clear funds in my checking accountSo I tried to close my checking accounts. They would n't let me do that since I still had a direct deposit that would be coming through before I could get it cancelled. They would n't allow me to set a future date to cancelHow can it be legal for them to refuse me access to my funds without a fee? I just wanted ( some of ) my money? They had withdrawal slips, they just choose to make them savings accounts only.
Consumer complaint received 2015-11-25
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: M&T BANK CORPORATION (MD)

Over the past few months M & T Bank has charged me over {$6000.00} in insufficient funds fees. They continued to process ACH debits after charging me stop payment fees stating that placing a " stop payment '' is a request and not a guarantee. They will not allow me to close the account or open a new one to stop these debits while the account has a negative balance. As soon as my direct deposit credits are posted, more fees are charged and my account returns to overdrawn status. It 's a horrible cycle that is costing me and my children everything we own. I would just like the insufficient funds fees refunded so we can try to save our home and car. I 've contacted M & T over a dozen times with no resolution.
Consumer complaint received 2015-12-23
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: M&T BANK CORPORATION (DE)

I went to the ATM on XXXX the XXXX and deposited XXXX checks XXXX for XXXX and XXXX for XXXX which brought my balance to over XXXX. I pulled my account up on line the next day Monday the XXXX, and my statement was showing my Balance as XXXX and my available balance as XXXX. My deposits were pending and so were my debits. XXXX Monday night they put all my debits through including a check for XXXX at XXXX. Then at XXXX they released my entire deposit. According to the person I spoke to at the bank ... they put the withdraws through first at midnight, but do n't put the deposit in until the am. They claim it was XXXX different days. Therefore purposely over drafting my account, and charging me XXXX. But yet if you pull my statement you will see no where, where I was in the negative. I called the bank to ask that they waive the XXXX they refused. They also did this back in XXXX. I had a direct debit come out of my bank at XXXX XXXX, and at XXXX in the morning I had a direct deposit come through my bank. They said I did not have enough money on the XXXX Knowing that I had a direct deposit coming through in the am ... something needs to be done about this how can you overdraft knowing there is a deposit coming through hours later. I think this is very confusing the way they are doing business, and they purposely do business to confuse the consumer.
Consumer complaint received 2016-12-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: First Data Corporation (NY)

The payment was made thought a debt collector on behalf of first data global leasing, since year XX/XX/XXXX for early termination fee {$290.00}. Matters face when they agent walking to my restaurant was told me no contract, no early termination fee, so we can consider is fraud, is scam, they have advertising in writing of XXXX XX/XX/XXXX I review my credit report, they inaccurate credit report bring down my credit score from XXXX to XXXX.and then I go online research I no the only one get hurt by first data global leasing company.my business closed, the processing machine being return. few days after I made phone call everything was fine,
Consumer complaint received 2015-06-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Data Corporation (TN)

TO : Bureau XXXX Consumer Finance ProtectionMy XXXX year old mother was a victim of identity theft in XXXX of this year. Counterfeit checks were created using her banking information, and XXXX checks totaling {$1100.00} were used at Walmarts in the XXXX area. Upon receiving her statement for XXXX, we notified the bank, who regained the money, closed that account to prevent further fraud, and filed a police report. 
TRS Recovery Services, hired by XXXX, has begun to hound her about paying for these checks. Over the weekend, she received a letter from them with a " Demand '' XXXX their word XXXX to pay their bill and a threat that a collection agent would be assigned to follow up if she did not. 
I have filled out a TRS dispute claim for all money owed and sent them a copy of the police report ( # XXXX # XXXX ) and a business card of a bank employee to contact, but TRS continues to call her XXXX or XXXX times a day, in spite of the fact that they have been told in no uncertain terms to leave her alone XXXX. 
I have also sent copies of all dispute forms and information to XXXX legal, as well as XXXX XXXX Department. The harassing calls continue to come in, and I am concerned about the emotional and possible physical effects the stress of worrying about this issue may cause my mother. 
Please contact me and let me know what my next steps need to be for you to investigate this issue. 

re : TRS Notifications XXXX XXXX XXXX
Consumer complaint received 2018-05-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (TX)

Haven't received any information regarding this debt. I've been XXXX and do not have any documents from this collection agency providing proof of my sole ownership of this debt. Documents need to be provided. According to my monthly credit score report provided by my bank, it shows a balance of {$1300.00} from Capital Accounts.
Consumer complaint received 2016-06-07
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Nelson and Kennard (WA)

I have been trying to get this judgment taken care of with Nelson & Kennard for 30 days. I have made ten phone calls, sent one fax to Nelson & Kennard, and have only received two return phone calls. This is unacceptable. 

My first call was on XXXX XXXX, 2016 and I spoke with XXXX XXXX. She and I agreed that I have never received an written correspondence from Nelson & Kennard, not even a letter via Certified Mail which she mentioned. Nothing. During the past 30 days, I have received nothing from Nelson & Kennard supporting any debt : no copy of the alleged signed application for credit in which they are attempting to collect. 

I have provided a Satisfaction of Judgment for the XXXX debt to which I believe is the debt they are attempting to collect. 

I have good cause to believe I was sued in error. I was never served to provide me plenty of time to file a response. Therefore, this improper service provides me cause to have the judgment vacated! 

Today, XXXX XXXX, I faxed Nelson & Kennard a request to vacate, release, dismiss, satisfy the judgment immediately! 

Still, no response.
Consumer complaint received 2016-04-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Mayan, LLC (TX)

XX/XX/XXXX In XX/XX/XXXX I took out loans student loan. XXXX federal and XXXX private I believe to attend college at XXXX XXXX in XXXX XXXX Texas. I was led to believe I would be able to transfer my XXXX credits and go XXXX. I was told by XXXX employees/recruiters that signed me up that my credits would be transferable because I wanted to be a XXXX. This would give me the experience and get my feet in the door to have my goal reached. I attended XXXX for 9 months. I did not have the greatest experience. I did not feel like my education was important. Our teacher was nice but teaching was not his main priority. I went to the dean and my councilor. No help was given. It was clear there man goal was promising the moon and stars then once they had you and there money they were of no help. I have been paying on my XXXX loans since then. I am a single mom and have went time periods not paying but I have been regularly now for a while. I originally bowered XXXX have been paying off and on for 9 years and because of interest and not being able to get a head I owe XXXX still. I will not have it paid off till XX/XX/XXXX. I feel robbed and wrong. I was told they were accredited. I was told I could transfer. I was told my degree could turn into so much more. I was lied too. I had meeting with the Dean many times. She would not even give me my transcript to try to transfer credits until I sent her an email telling her much to my surprised our XXXX college was accepting my credits. This was a lie, they did not nor had I even tried yet but in order for her to let me have my transcript I was made to lie and send this email so she could use to show others that their credits could be transfers. It was a scam and all lies. I am still paying for the lies monthly as will be until XX/XX/XXXX at this rate. It is not right. The campus clearly committed fraud and 9 years later I am still paying XXXX XXXX XXXX XXXX
Consumer complaint received 2016-02-21
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: DCN Holdings Inc. (TX)

i paid two weeks in advance after taking my daughter out of this XXXX in XXXX XXXX, TX '', i have checks and bank transfer to prove it. not they are trying to charge me for an additional two weeks even when my baby was n't there. i do n't own any money and they threaten me with damage or reporting to the credit bureaus. i have all the evidence and probes that i do n't own any money.
Consumer complaint received 2015-06-12
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: 21ST MORTGAGE CORP. (TX)

After we made arrangements they still call everyday and week and keep calling till we answer! They call my house then my cell phone right after then I get a email also then text messages and voicemails! I do n't know what to do I 'm so stressed and we are only XXXX payment behind! Please help!
Consumer complaint received 2016-05-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

XXXX is blantantly lying that they did not receive appeal letter. I am enclosing copies of email I sent to SPOC on XXXX/XXXX/16 regarding I am appealing this and to send me any forms needed. Since he never responded I sent my letter which was not expressing I want to appeal. IT STATED I WAS APPEALING and the reasons why. BSI is trying to play a game and this is infuriating with their lies. XXXX XXXX XXXX XXXX received a Cashiers Check for XXXX so their telling me I owe XXXX from them is a lie as well. They released lien when paid in full!! I will send copy of cashiers check as well
Consumer complaint received 2016-08-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Simpson Law Firm, P.A. (MS)

Actually, i did not receive notice of right to dispute, instead a guy came to my job representing Simpson Law Firm stating that i could be arrested if i do n't contact Simpson Law Firm and set up a payment plan with them. They also stated they will garnish my wages as soon as possible. 
Still i never received validation of the debt i sent them 3 times already. i sent it to them the first time last year of 2015, it was signed indicating they received it, i also faxed and send them another validation letter by fax and XXXX after they would not tell me the amount i owe over the phone. 
two weeks after sending them the last validation letter, they sent me a letter stating they will garnish my check again. I have already started the process to file suit
Consumer complaint received 2017-01-18
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Admin Recovery, LLC (NY)

This debt collector is calling my father and other family multipme times, whom I do n't have a relationship with and is disclosing embarrassing and defaming debt information as well as personal information about me. They are making it clear to my family that they are trying to collect a debt. I also just checked all XXXX of my credit reports and I do not have any Admin Recovery accounts on any of them. I do n't know who they are or why they are harassing me and my family. In the attachment that I added is a voice mail from one of their many phone calls which makes it clear that they are collecting a debt and they are also disclosing personal information about me in the phone call.. They can be calling anyone and disclosing my information. This is unlawful and unacceptable
Consumer complaint received 2015-07-08
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BOK FINANCIAL CORP (NM)

I received a home equity loan from Bank of Albuquerque 8 years ago. Payments were made for seven years, XXXX. I called the bank for forebearance, they offered half a month. I had no income, and they started foreclosing on me in three months, the amount they were owed was around {$650.00}. 

I am losing my home over principal and interest due of under {$3000.00}. I have no idea what is being charged for legal fees. I have approximately {$9000.00} that I earned in the last few weeks, the balance was {$15000.00}. The auction sale is XXXX XXXX! 

What really bothers me is that I had a 7.5 % interest rate. I closed my bank account with them over unfair overcharges. They increased the interest rate to 8 %. Prime rate was under 4 % at the time and I had a FICO score of XXXX. They lost a class action settlement suit over the issue. They called and said if I opened an account again, they would pay me {$70.00} for their wrongdoing and modify the home equity loan to 4.5 %. After going through the process of opening an account and applying for another XXXX THEY DID NEITHER OF THOSE. MY LOAN WOULD HAVE BEEN ALMOST PAID OFF by last year at the promised interest rate. 

Bank of Albuquerque has, again, imposed unfair and unauthorized charges on my business and personal accounts. This happened after contacting them about loan fore bearance. I specifically opened those accounts with their stating that there would NOT BE ANY AUTOMATIC WITHDRAWALS.
Consumer complaint received 2017-01-14
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: SYNCHRONY FINANCIAL (FL)

I woke up to an email from Credit Care that an online payment was made for {$500.00}. Which i did not authorize and it will make EVERYTHING including my mortgage BOUNCE. I did not authorize the payment on XX/XX/2017 to CareCredit for {$500.00} XX/XX/2017 XXXX PAYMENT - Date Posted:XX/XX/2017 $ XXXX. 
I called the Security Center at Member Benefits at XXXX and spoke with XXXX. She was not concerned with the UNAUTHORIZED charge and I heard a female voice listening and laughing. I asked to have my account closed so that I may go to XXXX XXXX XXXX XXXX as they are professional and take SECURITY seriously. She said that she could NOT do anything to assist me. I am now writing to the Consumer Financial Protection Bureau, the XXXX and The Federal Reserve to report XXXX for not assisting with my SECURITY of my CHECKING ACCOUNT.
Consumer complaint received 2015-09-19
Product: Credit card — 
Issue: Other fee — 
Company: BARCLAYS BANK DELAWARE (WA)

My name is XXXX XXXX I have an account with Barclay card ( last XXXX numbers XXXX ), it was originally used to purchase XXXX Iphone 5s from XXXX in conjunction with Barclay card stating No Interest for the first ( year or 6 months ), I can not remember which, now almost 2 years later they sent me a notice saying I have to pay in full the deferred interest rate, something I knew nothing about. I just find this to be extremely misleading and unscrupulous. Its not even listed in the normal part of my statements but if you go down alot further in XXXX little section they show it or at least they do now, but if your just checking your balance and keeping track that way no idea, as stated it just seems like a greedy unscrupulous fine print kind of thing
Consumer complaint received 2017-02-22
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Movement Mortgage LLC (FL)

Back in XX/XX/XXXX I was connected with Movement Mortg and the Loan officer XXXX XXXX which i dealt with took my loan processing all the way til 2 weeks before closing which at that point i had paid {$270.00} for pre-purchase inspection and also paid {$500.00} for home appraisal and then he stopped everything cause previously I had claim bankruptcy including a property that i had and because of a date that XXXX XXXX XXXX removed our names off after i was discharged from the bankruptcy, the reason for bankruptcy was my husband had XXXX and could n't work for over a year, at that point XXXX stated that i can pickup the process and no problem should happen come XX/XX/XXXX, so at the beginning of the year I was introduced to XXXX XXXX, with her it seems that i was given the round around, she had stated that to increase my credit score to qualify, i would need to pay off my credit cards which i did and it cost me another {$430.00} and for what? nothing, she just told me that my debt ratio equals my income?? I was promised and given the run around twice. The only way that I can get approved now is if i have a co-signer as per XXXX, ater this she emailed me that she gave my file to someone else, which is un-professional even when i told her to keep my file open to see if I can get a co-signer. I feel that i was taken advantage of and lied, if I did n't qualify, i should of been taken as far as I was taken, this has cost me XXXX and money!
Consumer complaint received 2016-10-26
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BARCLAYS BANK DELAWARE (CO)

Barclays took over my XXXX XXXX card with XXXX points XX/XX/XXXX. From the moment the account transferred over I have not been able to open an online account, set up autopay, see my charges or pay my bill because their entire system is based on your social security number, and for some reason it takes 3-5 business days for them to record it. What is disturbing is that mine does n't work because someone else is using my social security number on their account. It has been over 7 months and Barclay 's still has not resolved the issue. I even faxed them a copy of my social security card, at their request, but no one ever confirmed they got it, it is just lost in their company somewhere. Because of this I can not open an online account. I have to call to check my charges, and call in to make a payment, first I have to go through a series of transfers and holds, it takes 45 min - 1 hr, my identity is questioned ad nauseam, then they finally realize the situation and offer to update my social security number, but the problem is they are not actually able to do this, there is some kind of glitch in their system, and they also can not reassure me that the other person using my social security number has been stopped, in fact they can verify as of tonight that the person is still using it. I ask them to put a stop to it, they say it will take 3-5 business days, and that they will call me back, but it never gets fixed and they never call back. I have to call them and go through the whole process all over again, this has happened 15 times in the last 7 months and there is no end in sight. They even charge me late fees while acknowledging that I can not pay without calling and wasting an hour of my time. Once they charged me the late fee after informing me that I was 10 minutes late calling, because it was based on Eastern Standard Time, even though neither of us was on the east coast. I asked to talk to a manager and was told there was no higher supervisor available, I asked for security and was told that security did n't take phone calls, but then another time I called I was transferred to security even though I did n't ask for it. One of the many managers I spoke to said the only thing I could do was write a letter to their headquarters through snail mail. There is more but I will stop here. At this point I am just going to pay it off and close the account. Their customer service is horrible and their lack of security and execution of tasks is downright frightening. They simply do n't know what they are doing and can not be trusted with money. They should be shut down before they do serious damage.
Consumer complaint received 2015-10-12
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (MI)

On XXXX XXXX we issued a check from XXXX XXXX XXXX and made a mobile deposit to PNC bank ( thus we transferred funds because XXXX has branches far from us XXXX. In our online accounts we saw that XXXX sent money and PNC received it on XXXX XXXX. On XXXX XXXX we tried to withdraw cash from PNC in XXXX, IN. The representative spent with us about 45 minuted and finally refused to give transferred money, even a portion of it. We could get only amount of the previous balance. During withdrawal we were repeatedly asked about the purpose of having cash ( we do believe that these questions were non-ethical, it is our money and our business what to do as we pay taxes and use money legally XXXX. 
We live almost XXXX miles away from the branch. So, we called in advance ; we made a trip just to know that we would not get money which we own.
Consumer complaint received 2016-07-26
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (PA)

On Monday, XXXX XXXX, 2016 my PNC personal checking account balance had {$43.00} less than the amount needed to cover the debits submitted. PNC bank computer software manipulated the debits and on Tuesday, XXXX XXXX, 2016 they charged my checking account XXXX NSFs @ {$36.00} for a total charge of {$140.00} for XXXX NSFs. I maintain that this total charge of {$140.00} is excessive for a insufficient balance of {$43.00}. I believe only XXXX or, at most, XXXX NSFs should be charged to my checking.