davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-16
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION (GA)

Because of Obamacare, we were required to sign up for insurance through XXXX with XXXX. While doing so, XXXX somehow had XXXX different files for my family - XXXX with our correct name and SS # s ( which we verified with company as required ) and XXXX with incorrect names with our correct SS # s ( which we did not verify ). We called to have the problem corrected, which our agent assured us the problem was fixed. However, after receiving multiple mailings from the companies to verify incorrect information, and continuing to call them and tell them we are not the XXXX 's, our bank, BBT, allowed XXXX to auto debit our non-profit account for {$430.00} under the false name of XXXX - identities we ca n't verify because WE ARE NOT the XXXX, which is an unauthorized transaction. Upon speaking with the banker, he told me that the only thing I could do was close the account and file fraud charges. Due to this being a non-profit account with automatic daily deposits, we could not do that. He then told me that I could call the company and get my money back. This was XX/XX/2016. My bank statements show the correct amount of {$97.00} being automatically drafted from our account EVERY month under our correct name - and yet, the banker would not refund our money, in fact, were charged over draft fees on top of the theft from XXXX. I called all XXXX companies on XX/XX/2016 around XXXX. I was told what I mentioned above by the banker on that day, and was told by XXXX that they corrected the problem with the duplicate files and that XXXX will have to refund our money. XXXX said that it would be 30 days before I would hear if we were going to be able to get our money back. 1 ) our money was stolen ; 2 ) we have proven that we are not the XXXX ; 3 ) it is XX/XX/XXXX - 60 days later, and we 1 ) still do n't have our money back, 2 ) still have n't heard anything from anyone, and 3 ) are still receiving mail from XXXX in the incorrect names. I was told by my corporation 's treasurer, who is the VP in the fraud department at a different bank, that my bank could have refunded my money and made XXXX prove that the {$430.00} transaction was justified - meaning that they had proof that we are the XXXX.
Consumer complaint received 2017-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (NV)

My wife and I signed up for a chase sapphire card. I purchased a {$3000.00} mountain bike with no problem, I then called the bank with some questions. Afterwards I attempted to purchase a {$1.00} hot dog at a gas station and the card was declined. Shortly after, the bank fraud department contacted my wife and were very aggressive. They stated that since I had a  XXXX  name, and she had an American name, they thought that I was a fraud, even though we had another credit card with them for over a year. They were claiming that they were protecting the bank and the customer against unauthorized purchases. I complained several times for months and my complain fell on deaf ears. Just a couple of days ago I went into the bank to close my account and the teller filed a new complain, but the complain seemed to be registered as coming from my wife and not myself and suddenly she get a call from the bank stating that they are investigating. So I, a  XXXX  male complains for months and no one cares and then a complain is resisted as coming from a white female and they quickly make a call stating that they are investigating. Also, if they were protecting the bank and the card holder against fraud like they claim, why not decline my $  XXXX  purchase rather than a {$1.00} hot dog? They broke the law as they declined me credit based on my nationality and national origin. Denying me credit that I 'm entitled to based on my national origin is unlawful and I will sue this bank in small claims court.
Consumer complaint received 2015-10-29
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: SCOTTRADE BANK (CA)

To whom this may concern, In reference to my previous complaint about Scottrade 's treatment of my son. I have attached a bank statement that shows just how egregious the fraud at Scottrade has been. 

Over {$800000.00} of unauthorized ACH transfers occurred and Scottrade refused to refund the stolen money.
Consumer complaint received 2015-11-02
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (CA)

Scottrade Bank Manager XXXX XXXX XXXX instructed me to provide me personal information in a manner that is insecure ( via unencrypted email ). Roughly 10 days after providing the information as XXXX XXXX 's request, my account was hacked. Scottrade refused to make my account whole and said I was responsible for the hack. 

To warn other consumers, do not trust this company. At the current time Scottrade will not even address my concerns. 

Attached is the correspondence between myself and XXXX XXXX.
Consumer complaint received 2020-10-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CARVANT FINANCIAL LLC (VA)

I purchased a vehicle a month ago and got approved by Carvant Financial LLC. I have provided all the information to the dealership and was told everything was good to go and the loan was authorized to be funded. I have the paperwork to prove that to go with the approval letter. The dealer informed me that the owner of the company XXXX XXXX wanted the dealer to fix one of his vehicles before Carvant will release funds to the dealership. The dealership has all the necessary paperwork to show that the loan was finalized.

The dealership informed me 2 hours ago about this and sad they have more customers in my position, they will file complaints too and we are looking into hiring a lawyer together.
Consumer complaint received 2015-10-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (CA)

To whom this may concern, I am inquiring if Scottrade Bank will provide Identity Theft Protection Services for the failure to handle customer data appropriately. Specifically, in 2013, XXXX XXXX, a branch manager at Scottrade Bank instructed me to send personal information via an insecure channel ( plain text email ), I at XXXX XXXX 's request, I provided the information via email and was subsequently a victim of identity theft and theft of personal information. 

I am requesting if Scottrade Bank will provide me with retroactive Identity Theft Protection Services or Identity Theft Insurance. 

Sincerely Yours, XXXX XXXX XXXX
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CL Holdings LLC (SC)

I have submitted multiple disputes with XXXX and was provided with the exact same response each time. This debt from Jefferson Capital is fraudulent as well as out of the statute of limitations in the state of South Carolina for collection, this needs to be removed. I have provided evidence to XXXX on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2022
Consumer complaint received 2015-06-22
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A. (IL)

I had a company business card until XXXX 2015 when we mergered with another company. The new company I work for does not use company credit cards thus I have to use my own credit card for business expenses. I had made a {$2000.00} payment on my CITI Corp account to free up some credit line for my pending business trip on XXXX XXXX 2015. Payment was credited and I went to pick up my car rental when I was informed that the card would not accept the charges. I called CITI Corp and they advised me that they credited my account for the payment received and had also reduced my credit limit at the same time. I had not been advised prior to this that my credit limit was being reduced. I requested the payment to be refunded to me which they did less payment due for XXXX. Ever since then my statement shows that amount CITI corp refunded as the minimum payment due which I will not pay. I pay an amount similar to what I have paided in the past only to get phone calls stating I need to speak to someone concerning my account. When I do they tell me I still owe more as the minimum amount due for the month.
Consumer complaint received 2017-02-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: TRANSWORLD SYSTEMS INC (RI)

I have received repeated calls from " TransWorld Systems at XXXX and XXXX regarding a debt owed to a local public college. 

Every time, I inform the person calling that they are contacting me on my cell phone at an inappropriate time. I have asked every time for them to cease and desist calling me, and to send me correspondence via the mail confirming who they are, information about the debt, etc. 

They outright refuse to do so and continue to call me - and speak rudely and unprofessionally over the phone. Even after I explain that I have instructed them multiple times to stop communicating with me over the phone and send me correspondence to my address, they continue to try to ask questions over the phone. 

This company, TransWorld Systems, should be fined and ordered to end these practices immediately. 

Companies that harass consumers and use unfair or illegal practices to collect a debt should be forced to compensate the aggrieved consumer in the amount of the debt they are attempting to collect as a penalty and deterrent against this practice.
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

To Whom it May Concern, I am sure you are well aware of the legal actions taken against XXXX XXXX XXXX in regards to their poor financing and reporting practices. I have obtained a copy of the Final Consent of Judgement against XXXX from the State of Pennsylvania ( where I purchased this vehicle ) and have had it reviewed and provided a copy for your records. 
My prior car loan with XXXX XXXX XXXX XXXX ( XXXX ) was opened XXXX XXXX  and there for falls into the dates included in the judgement which are XXXX XXXX XXXX XXXX XXXX XXXX. All orders of this judgement are dated effective as of XXXX XXXX XXXX 
Section XXXX of the judgement states " XXXX agrees to provide notice to each CRA to which XXXX reports, requesting deletion of the trade lines associated with the account for all Deficiency Relief Consumers and for the Consumers who receive relief pursuant to Paragraph 11 '' Since this account has deficiency reporting, it meets the requirements under this judgement and it is to be removed from my credit file immediately. I have submitted multiple disputes to the ALL XXXX major credit bureaus ( Equifax, XXXX, and XXXX ) regarding removing this account from my credit report and each time it comes back as the information is validated as accurate, however that is 100 % incorrect as it should been removed because of this judgement.
Consumer complaint received 2015-04-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

CommentDEAR SIRS, I APPLIED FOR A " HARP '' LOAN THROUGH GREEN TREE LENDING IN XXXX XXXX. THE LOAN " MODIFICATION '' WAS APPROVED ON XXXX XXXX, XXXX. WE WERE NOTIFIED BY GREEN TREE ( GT ) THAT A TRIAL PAYMENT PLAN WOULD COMMENCE FIRST AND THEN OUR LOAN DOCUMENTS WOULD BE SENT TO US VIA CERTIFIED MAIL. 3 MONTHS LATER ON XXXX XXXX, XXXX WE BEGAN THE XXXX " TRIAL '' PAYMENTS WHICH WERE IN THE AMOUNT OF APPROX {$470.00}. THOSE PAYMENTS WERE MADE WITHOUT ISSUE. WE THEN RECEIVED THE LOAN DOCUMENTS ON XXXX XXXX. THE LOAN DOCUMENTS LISTED OUR REPAYMENT PLAN AT $ XXXX/MONTH. I DO NOT KNOW HOW OR WHY THIS BIZARRE AMOUNT WAS CHOSEN SINCE THE LOAN WAS FOR {$22000.00} APPROX. ON A XXXX MORTGAGE. SO THIS WAS A 40 YR LOAN. WHICH I HAD NEVER HERD OF IN HOME LOANS. WE SIGNED THE LOAN AND STARTED TO MAKE PAYMENTS REGULARLY EVERY BEGINNING OF THE MONTH ON TIME. THEN THREE MONTHS LATER IN XXXX XXXX I RECEIVED A TELEPHONE CALL STATING I WAS DELINQUENT IN A PAYMENTS. I SAID HOW CAN THIS BE WE " JUST '' STARTED THE NEW LOAN! THE PERSON ON THE OTHER END DID NOT KNOW ANY DETAILS OTHER THAN WE WERE {$1200.00} BEHIND ALREADY. I PROMPTLY WROTE GREEN TREE A LETTER TO EXPLAIN THIS ( XXXX OF XXXX LETTERS ). GREEN TREE FINALLY REPLIED ON XXXX XXXX, XXXX. IN THE MEANTIME I HAD WRITTEN GREEN TREE EVERY MONTH A COMPREHENSIVE BUSINESS LETTER FOR THEM TO OUTLINE OUR PAYMENTS/PAYMENT PLAN/HOW MUCH WE FINANCED/WHAT INTEREST RATE/AND COULD WE WE RECEIVE A WRITTEN NOTICE OF OUR MONTHLY DUE IN A PAYMENT COUPON BOOK. NONE OF THAT INFORMATION HAS EVER BEEN SENT TO US! TO THIS DATE ALL I HAVE RECEIVED IS NONE OF THE PERTINENT DATA REQUIRED BY LAW ON MY LOAN. ALSO GREEN TREE REFUSES TO ACT IN GOOD FAITH AS A RESPONSIBLE LENDER TO PROVIDE ANYTHING BUT MONTHLY ANNOYING PHONE CALLS THAT ASK ME WHETHER I AM GOING TO LIVE IN MY HOME, WHAT IS MY NAME, MY ADDRESS, HOW LONG HAVE I LIVED THERE? EVERY MONTH! NON STOP ALL THE TIME. I HAVE FINANCED XXXX HOMES BEFORE AND HAVE NEVER GONE THROUGH WHAT GREEN TREE DOES WHICH IS TELEPHONE BADGERING ASKING RHETORICAL QUESTIONS THAT HAVE NO VALID REASON EXCEPT TO INCITE A PERSON 'S TOLERANCE. I EVEN HAD TO HIRE A THIRD PARTY TO FORCE GREEN TREE TO REFINANCE THE LOAN AND PAY THIS THIRD PARTY {$3600.00}! AT THE TIME I HAD LESS THAN A YEAR ON THE LOAN A BIWEEKLY PAYMENT PLAN. I WAS A XXXX WITH XXXX AND BECAME XXXX AND CALLED GREEN TREE TO TELL THEM COULD I MODIFY MY LOAN? THEY SAID NO THAT THE LOAN WAS TO MATURE OR DUE. THIS IS THE WORST COMPANY EVER. THE WORK ON FEAR AND BY BADGERING THE CUSTOMER FOR MONIES. YET THERE IS NO ACCOUNTABILITY FOR THEIR TOTAL LACK OF PUBLIC TRUST AS A LENDER. PLEASE HELP ME
Consumer complaint received 2017-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AFNI INC. (TN)

I have sent letters to this company seeking that they validate the debt. They have failed to do so. This company continues to send 1 statement which does not itemize the amount of debt they say I owe them. I have never heard of this company, nor have I ever did any business with them. I have requested copies of any and all letters sent to me on behalf of this company. I have not received copies of all statements, invoices, receipts, summaries of account nor any document that bears my original signature. How then can this company say I owe them but yet they have nothing to substantiate their allegation. This erroneous, inaccurate item should not be reflected on my credit reports.I have contacted this company as well as the credit bureaus ( XXXX XXXX XXXX XXXX ) seeking debt validation ( see attached ). This company continues to report this inaccurate, erroneous item to the credit bureaus. Why are they reporting that this account has terms of 1 month. Where is the proof that I agreed to terms of 1 month with this company? This company is violating my consumer rights as well as FDCPA.
Consumer complaint received 2017-02-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: N.A.R., Inc. (CO)

In XX/XX/XXXX, Me and my roommates rented an apartment from an agency called XXXX XXXX XXXX XXXX located in XXXX Colorado. The apartment we rented was an old one, with a lot of issues and an old carpet. After our one year lease ended up, we were surprise by the rental management office not even giving us our deposit, but also charging us with an amount of {$2400.00}. After we contacted the XXXX XXXX XXXX office, they said that we have to pay for a new carpet, and fix all the issues that the apartment had when we moved there. The apartment was build in about XX/XX/XXXX. 
I think we were victim of such unprofessional act from XXXX XXXX XXXX, and I wish your office get involved to get me and my roommates our right back. the agency filed a collection, so now my credit score get hurt. 
The apartment is located in XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX.
Consumer complaint received 2017-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (FL)

Elan Fi nancial Cardmember service   XXXX   XXXX    XXXX   XXXX , ND  XXXX  Closed my Credit card account without my permission or knowledge they used a  XXXX  request to close my account from another party, when i called and questioned this i was told that I requested the Closure ( I did NOT!! ) when I informed them that i did no such thing i was told well it looked like you so were sorry but there is nothing we can do when i asked to speak to  a manager about it i was told they did not have time to talk to me and they would have to return my call within 24 hours it has now been more than a week since i reported this fraud and NO one has conta cted me regarding this problem
Consumer complaint received 2017-10-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NY)

Loancare first gave me false information about cancelling PMI when I reached 80 % LTV and five years of payments in XX/XX/XXXX. It took them 2 months of additional time to give me appropriate information. I then paid down the LTV to 78 % immediately and the company tried to apply the payment months in advance rather than against principal. They also informed me PMI would end automatically when I reached 78 %. When I followed up they just denied the request without providing any additional criteria. My original appraisal was $ XXXX and I started payments XXXX/XXXX/XXXX and I reached $ XXXX inXX/XX/XXXX. I have made all payments timely. I meet all requirements and the company is simply lying to me on the phone and sending denial letters at this point.
Consumer complaint received 2015-07-30
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LENDER LIVE (CA)

Good Afternoon, On XXXX XXXX, 2015, I received a notice from my current mortgage company informing me that my loan was being sold to LenderLive Network , Inc. effective XXXX XXXX, 2015 and I would be receiving a letter with instructions from LenderLive Network , Inc. with my new loan number and instructions for making my mortgage payments. It 's now XXXX XXXX, 2015 and I have n't received anything from LenderLive Network , Inc. I 've tried calling LenderLive Network 's customer service line and have been hung up on 5 times by their automated service. I just want to know where to send my mortgage payment and to speak to a human being at LenderLive for questions. The law requires that new loan servicer companies to notify you 15 days prior to the effective date of the change and Lenderlive Network , Inc. has not sent anything! Please help!
Consumer complaint received 2016-06-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (MN)

I had forberance granted to my student loans retroactive to XXXX 2014 but have late payments reported to the credit bureaus for XXXX and XXXX of 2014 on all XXXX loans for a total of XXXX reported late payments that should have been corrected by the retroactive forberance. 
Fed Loan Servicing has refused to correct this.
Consumer complaint received 2017-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CA)

I received a Home Depot credit card statement for my card at XXXX XXXX this morning, Thursday XXXX  XXXX,2017 informing me of an interest charge of {$240.00} on a balance of {$690.00}. 
The company handling the card for Home depot is XXXX XXXX XXXX XXXX, a Federally regulated institution. The only address they gave me is XXXX. XXXX XXXX - XXXX - TN XXXX. 
I offered to pay the {$690.00} right away but they refused, arguing I had benefited from a previous forgiveness of interests in similar circumstances. 
I argued that they should have given me earlier notice and they said I had received their regular statements. They stated that their interest amounts to $ 25.99 % but of course {$240.00} for {$690.00} balance is way more than that. It is a trick to charge usury interests and this is why I file this complaint. 
I am asking that they forget the {$240.00} if I pay the balance right away and be timely advised of their agreement.
Consumer complaint received 2016-12-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (MI)

In XXXX the Pennsylvania Higher Education Assistance Agency notified me about recertifying for the income-driven repayment plan. I completed the form and mailed it, along with supporting documents, on XXXX XXXX. I called in early XXXX to check on the status, and was told I needed to fax it which I did on XXXX XXXX. In XXXX I began receiving late notices and on XXXX XXXX at XXXX XXXX. I spoke with XXXX who said to disregard the notices. On XXXX XXXX at XXXX XXXX I spoke with XXXX who asked me to refax the forms and documents, which I did. Then, on XXXX XXXX, XXXX told me to not make a payment until I received an invoice for {$5.00} ( which I have yet to receive ). Meanwhile, I continued to receive late notices. On XXXX XXXX at XXXX XXXX. XXXX said there was some mix-up, put my account on administrative forebearance, and said she would resolve it. On XXXX XXXX I spoke with XXXX who told me to ignore the enormous interest bill and just wait for the invoice for {$5.00}. She said sometimes they take a while to get processed. However, on XXXX XXXX my bank account was debited for {$4300.00}, after many representatives said just to wait for them to correct it. I spoke with XXXX at XXXX XXXX. XXXX XXXX, who told me to resend the request for the {$5.00} payment. And once again my account was placed on administrative forebearance. Meanwhile the interest charges are skyrocketing and this mess is still unresolved. I have once again been placed on forebearance. All I ever requested was a reduced payment due to a change in circumstances. It does not seem like it should take almost a year to process this.
Consumer complaint received 2016-03-14
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: SUNTRUST BANKS, INC. (VA)

I use online banking for bill paying. A payment went to my son 's apartment for his rent and was apparently stolen since the facility never received the check. The funds came out of my account and the check was clearly not endorsed by the facility as previous checks had been. I called Sun Trust fraud XXXX XXXX to explain this issue. I have called, gone into the branch numerous times and still after calling today have no resolution. I had to pay the rent again since the facility needed the payment. I am out the {$710.00} and Sun Trust keeps giving me the run around as to why I was not refunded the money.