davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-14
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (OH)

Since I first filed case numbers [ Case number : XXXX ] and [ Case number : XXXX ] my checking accounts ending XXXX and XXXX were closed. Also I was reported to XXXX which prevents me from opening another checking or saving account. In addition I 'm receiving collection calls and letters. The collection letters state I owe {$700.00}. US BANK stated I owed {$300.00} in its response letters for [ Case number : XXXX ] and [ Case number : XXXX ]. We definitely have other issues we must address. One very serious issue is after I filed the complaint US BANK closed both my checking accounts ending XXXX and XXXX. Second issue is I began receiving daily collection calls from XXXX. on behalf of US BANK? On or around XXXX XXXX. 2015 I received XXXX collection letters from XXXX First collection letter says balance due ( {$470.00} ) for US Checking Account ending in XXXX. XXXX collection letter says balance due ( {$300.00} ) for US Checking Account ending in XXXX. Also I was reported to XXXX? I sacrifice {$800.00} in payments to prevent US BANK from closing my checking accounts, reporting my accounts to XXXX and collection agency. US BANK overdrew both checking accounts by taking payments from my account? Yes I did agree payback overdraft fees thru US BANK payment plan but I did not agree to US BANK automatic withdrawals if the payment is not made on the XXXX of each month? US BANK only inform me to make payment on the XXXX of each month. No one from US BANK stated if I did not make payment on the XXXX of each month that US BANK would go into my checking accounts withdraw funds and overdraw my accounts? My accounts were overdrawn by US BANK due to not enough funds. US BANK said I owed approximately {$1100.00} in overdraft fees. I paid {$800.00}. US BANK received more than half of what I owed in overdrafts fees. This is very unfair to me as a customer. I doing my best to make good on the arrangement I made. I work too hard to be treated so unfairly by US BANK. Banks should n't be able to charged overdraft fees when using a debit card. Example lets say the Electric company puts a charge through for {$100.00} using debit card and your balance is {$50.00} so the charged is denied but you are still charged {$36.00} overdraft fee? This is highway robbery. We work way too hard to be robbed like this by banks. I would like to open new checking accounts. I would like the {$300.00} debt now cancelled in full. I would like my name removed from the collection agency and XXXX. I would love some type of compensation for all this stress.
Consumer complaint received 2017-02-18
Product: Credit card — 
Issue: Application processing delay — 
Company: JPMORGAN CHASE & CO. (VA)

My husband and I submitted applications for the Chase XXXX Visa Card on the same day ( I believe XX/XX/2017 ). We were both told approval status was pending. My husband received two letters telling him he needed to contact Chase to verify that he had, in fact, submitted the application. I never received any letters. When my husband called on XX/XX/2017, he verified his identify and was approved. I then inquired after my application and was told it had expired and could n't be reactivated as it was out of the 30 day reactivation period. I asked to be connected to a manager and, after being put on hold for 20 minutes, was hung up on. I called again and was told I would receive a call back within a hour. I told them I was willing to wait, but they said that was n't possible. I received a message 3 hours later. I called back a third time and was finally connected to a manager, who again informed me I could n't have the application reactived because I was out of the 30 day period, even though I never received the letter and had applied on the same day as my husband. I would reapply but the card is no longer open for applications.
Consumer complaint received 2017-03-17
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (WV)

I recently lost my job, which paid pretty well, and had to get a minimum wage job. I contacted Navient to try and do an income based repayment plan ; the first woman I talked to said they did n't want to do that because I 'm a " risk. '' The second person I talked to said I, along with my cosigner, had to submit copies of all the bills we have to see if we even qualify for income based repayment. I have another loan with XXXX, and it was n't even nearly this hard to have them work with me. Whenever I contact Navient, I am always transferred to two or three people and it 's not unusual to be put on hold for half an hour or more. It 's very frustrating, especially when I am needing help lower my student loan payment.
Consumer complaint received 2016-09-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MO)

XXXX offered me a plan which I agreed to and then all of the sudden changed back to way it originally was. I agreed to {$250.00} a month for XXXX in until pd off and the interest rate was to reduce to .001 after 3rd on time payment which I have made nearly 8 payments. I was paying just as they offered and I agreed to all the sudden they changed back to old interest rate and payment. I want it back the way I agreed to when they made an offer of {$250.00} locked in with my interest rate of .0001 until paid off and I want them to back date from when they pulled it out from under me. I help up my end of the deal and was paying as agreed. This in not fair they thing they can do what ever they want whenever they want when they made an agreement with me. The attorneys office that they placed the account back to will not return my calls or voicemails.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (FL)

At first I remember I was making small payments while I was in school which I could afford. I believe I was paying about {$15.00} per month. I was only in the school for one year ; I could not return because I lost the only transportation I had & I also got injured on the job that left me XXXX for 3 months. My education cost was only {$27000.00} but somehow the private loan was for $ XXXX- $ XXXX (??!! ). Shortly after I was out of school I was still making payments, but now they were demanding more $ . They refuse to lower my montly payments or provide me with some assistance such as forebearance, deferrment.. Just anything.. They were always extremely rude. Honestly, I dont know how people had a joy working for them. During my time of employment they would harrass me with calls at all hours even on Sundays demanding I pay them {$400.00} a month payments and they love to make threats to garnish your wages. I honestly told them that all I may be able to pay is $ XXXX- {$150.00} a month and they still refused. I mean thats horrible! You are still going to get something from me. My school changed its name about 2-3x 's because they 've been sued so many times because the education was just horrible & now the school is officially shut down. I tried applying for loan forgiveness and they denied me because I left before the school was closed down. XXXX/Navient is the biggest debt I owe and has affected my credit score badly. I can only pray tgat one day Justice will be served & loans will be forgiven. The name of the college was XXXX XXXX XXXX
Consumer complaint received 2017-08-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (PA)

I do n't know whats going on over at PNC bank, but this place has notoriously slammed me with the most obscene overdraft charges. Once again, here I am, pouring my heart out for the sake of not having to XXXX XXXX XXXX to get by. I woke up to XXXX $ in OD charges. Let me start by saying, I can not fathom how this is legal. Common sense would say that i would pay a penalty percentage, not XXXX $ per item. Regardless, PNC has once again stacked charges and waited till after business hours to process them. All in the name of scamming money from the people that do n't have it. I 'm not sure where to start, but this is wrong and needs to end. I do n't have those kind of means. Waking up to an account that negative XXXX $ short ( of which is XXXX in OD charges from your own bank ). How is someone on a poverty level income suppose to correct this?
Consumer complaint received 2017-02-23
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)

Hello on XXXX XXXX i woke up to check my credit account and i saw a new collection account was added to my account. Upon further review this indeed was a collection account that was once removed from my credit report was added on again by the same collector without prior notice. After looking at past and present credit reports it has come to my attention that you have allowed this item to be reinserted into my credit file after it had been deleted. Based on the credit report dates the period during which this reinsertion took place was XXXX/XXXX/17. 

Pursuant to the FCRA, I 'd like to be provided with copies of the certification required for reinsertion for this account. 

Under the FCRA Section 611 ( a ) ( 5 ) ( ( ii ) ".... reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
XXXX Additional information. As part of, or in addition to, the notice under clause XXXX a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion XXXX a statement that the disputed information has been reinserted ; XXXX XXXX XXXX the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ;.... '' I was not so notified. I am disputing this item. I will allow you 15 days to furnish this information, however if you do not provide the information requested, you must delete this account as required by the FCRA. Please send me a copy of my updated credit report after you have completed this request. 

Thank you for your time and effort.
Consumer complaint received 2017-02-23
Product: Bank account or service — Savings account
Issue: Problems caused by my funds being low — 
Company: KEYCORP (MI)

I had negative balance in my key bank account .When I saw this I contacted key bank customer service and the person I spoke with had in touch supervision and confirmed me that all the minis balance ( total {$62.00} ) will be waived from my account mi waited for another few days and checked if it 's saved but seeing it 's not been waived I contacted again then they promised that my request has been to somewhere to get it sanctioned that 's why it takes time and also made sure that I could even go to the local branch to get it waved, I do n't need to explain everything will be there in system.i thought OK and was busy with other stuff, checking my account today I was shocked to see that not only my previous balance was not waved but also there was a new reccuring overdraft fee added to the account totalling {$91.00}. I called customer service and now they say they have nothing in the system and do n't know anything about my previous calls.i am totally helpless, they are being money looters and I can not let it go like this.Expecting help to resolve this issue.Thank you
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: EdFinancial Services (AE)

My student loans were transferred from the XXXX XXXX XXXX XXXX to Edfinancial in XX/XX/XXXX. Since then I have experienced a drastic drop in quality of service. The website and documents have reflected inaccurate record keeping and my displayed balance and payment amounts have fluctuated, some by the thousands, when I logged in to print my loan summary or view my payment history. The month they said my debt was paid off in their error, my documented debt had actually doubled. For instance, in XX/XX/XXXX, my balance was {$5300.00}. In XX/XX/XXXX, it was XXXX. Then in XX/XX/XXXX, it was XXXX. In XX/XX/XXXX, I took a screenshot of my payment history showing payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that were all different from the ones showing when I took a screen shot in XX/XX/XXXX. When I called and asked for a detailed payment and balance history log to explain the consistent fluctuations in my balance for greater than 12 months, I received a small document with a few short tables someone typed into. When I recontacted them several times on the phone, I was told repeatedly to send an email to the distribution list. When I did that, it took over a month to get a response and I still did not receive a detailed payment and balance history such as what I previously received from the XXXX. Every time I call to discuss an issue or ask a question, they say they will get back to me but instead make some change to my account instead before we speak. For instance, I called once to inquire about reallocating some of my XXXX loan repayments from a couple of years ago and they said they would call me back. Instead, they reapplied those payments and notated that someone from the XXXX called. This is below the standard I expect and deserve from a financial institution and I have lost trust in their accuracy, competence, and work ethic. I feel as though they can reallocate, increase, and/or change my loans at their will and I am helpless to do anything about it. I have screen shots and printed documents to support my statements.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC (PA)

On or about XX/XX/2022 I had gotten a phone threw XXXX XXXX they did a soft pull on my credit at that time. I took the phone back because my son would not pay the bill there were no outstanding fees. I have been trying to secure a mortgage my mortgage broker knew my lease was up in XXXX and we were trying to secure a mortgage, On or about XXXX XXXX XXXX XXXX XXXX XXXX did a hard pull on my credit which was not authorized. I believe that rocket mortgage somehow orchestrated the hard pull, to knock down my XXXX and put them in a position to charge a higher interest rate on the mortgage. Due to the setback, I must rent for another year, and I will incur XXXX in extra monies paid towards rent instead of equity going into a purchase of a home, I want to find out who is behind us and I want to see them punished, XXXX said they do not do hard pulls at any time. I did contact them, they were not authorized to do a hard Pull, nor was anyone
Consumer complaint received 2017-02-12
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Rocket Mortgage, LLC (PA)

Summary will be provided 1st On XXXX a quicken loans representative came to our home to conduct a final closing in order to refinance my home. This day of the XXXX was the last day of the interest lock deadline. Our Loan terms were a fixed 20 year loan at a great interest rate of 3.25 % for our residential dwelling. My wife and I discovered that the Loan amount was higher than what we agreed upon including what the most current disclosure documented. We immediately contacted Quicken and reported this error and was confident that they will see their error and remedy. Within the rescind period I attempted to resolve these factual discrepancies several times with Quicken. Quicken representative XXXX XXXX informed me on XXXX, which was the last day to timely rescind, that she is unwilling to remedy the errors made. She was not only reluctant to remedy but falsified reasons why Loan amount increased. As a result, I responded by email that this day of the XXXX stating my formal notice to rescind. In addition, that same day, My wife and I then completed the rescind document from Quicken and timely mailed it in that day according to their instructions just to be safe. Despite the timely rescind, unknowingly to my wife and I, QL rep XXXX XXXX authorized pay off of my mortgage for the amount of aprox. {$300000.00}. As a result of this negligent and arrogant act my current bank, where the loan originated from, will not except payment from me and states the loan is paid in full and will not reinstate. Furthermore, if I have to refinance there is no way I can ever get the great 3.25 % rate since the market rates have greatly increased which would potentially cost thousands of dollars more in cost. During this time Quicken Loans supervisor XXXX XXXX both in writing and verbally has acknowledged my timely rescind and has acknowledged their errors of increasing the loan amount without my authorization. She had informed me that my bank will not permit them to release the funds back and it has gone to litigation. To be cooperative, I have requested a loan modification and they have denied me several times. In spite of their errors and negligence they are threatening my wife and I by saying if we do n't make the 1st mortgage payment by XXXX they will report us to the Credit Agencies and adversely impact our good credit. We believe this is certainly unfair credit practices and tactics. Not to mention an ethical violation against my family personally and for them professionally. I will not permit our rights to be violated by allowing QL to bully my family. I am more than willing to resolve this matter reasonably and fairly. PLEASE HELP! 
. I also can provide a factual timeline of specific events including dates of emails, written communications and conversations that fully support the summary allegations. I also have a complete file of documentation of supporting information to what is mentioned in addition to other discrepancies.
Consumer complaint received 2017-03-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NY)

I had cosigned a lease on my sons college dorm in XXXX, XXXX. 
The landlord, XXXX, claims damages and refused to return the security deposit, and charged {$87.00} to replace a light bulb and other frivolous charges.I have disputed the bill and have written numerous ( 10 ) letters to the landlord and to XXXX, XXXX XXXX. 
XXXX has not replied to my disputes and requests for documentation. 
And they filed a negative item on my Equifax file. 
Can you help this to be DELETED from my credit file?
Consumer complaint received 2017-03-21
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (CA)

Loancare A Service Link Company purchased my loan from XXXX XX/XX/XXXX. My mortgage payment to include hazard insurance, PMI, and County taxes ( everything listed and covered in escrow account ) was {$1500.00} upon their purchase of the mortgage from XXXX. I received a letter from Loancare XX/XX/XXXX stating that I had an escrow shortage of approximately {$210.00}. I contacted Loancare via phone on XX/XX/XXXX informing them that I had changed my insurance carrier to XXXX who had notified me that they have forwarded the coverage documents to them ( Loancare ) already and that the insurance with XXXX is approximately {$150.00} less annually and my County taxes had an increase for XXXX ( yes XXXX ) for the entire year of XX/XX/XXXX, which meant that I could n't possibly have a shortage in escrow after reviewing it and doing the math on a few occasions. In fact, I have an overage. I was told that the escrow account would be analyzed and they would follow up with me. After 2 weeks I did n't hear from them and phoned and I was informed by the customer service representative to call back in another week. I did and was informed that the account was correct after their analysis. I asked to speak to someone in the department that did the review and was informed per the customer service representative that the department that did escrow analysis did not speak with customers and that I could only speak to a customer representative. I asked to speak with a manager and was informed that they would only tell me the same thing which was on the computer screen that the customer representative was reading from to inform me of the outcome. I asked for another review and was directed to send an email with my concerns which I did again on XX/XX/XXXX. I restated my concern about the escrow account being incorrect and that there is not a shortage in escrow and to send me a line item review of how they arrived to the decision that there is a shortage. I phoned again today, XX/XX/XXXX and was informed that the review would n't be complete until XX/XX/XXXX which is the deadline for the extension to pay the month of XX/XX/XXXX mortgage, that was given as a result of my complaining about the payment being incorrect ( as the escrow shortage has now been applied to my monthly payment ). I explained that if the review will not be complete until the XX/XX/XXXX then the payment would be considered late as I am waiting for the analysis again. I was told yes there would be a late charge and that I will still have to pay the shortage if Loancare decides that I have a shortage again. I believe this is fraudulent and away for the loan company to acquire additional revenue. I ca n't imagine how many customers they are doing this to and getting away with it. An audit should be conducted to analyze their transparency and processes in this area of accounting. I smell fraud all over this as XXXX myself.
Consumer complaint received 2016-10-12
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Essential Lending Inc (TX)

My bank is XXXX in Illnois. I notified Essential Lending ( now XXXX ) that I was revoking their access to draft my account. I sent the request by fax and did receive a call back that the update was received. The notification was sent XX/XX/2016. Today, XX/XX/2016, they attempted to draft my account {$190.00} which resulted in my being charged a {$29.00} overdraft fee. I am in the process of opening a new account to avoid this from occurring again but wanted to make sure a complaint was filed for going against my requst.
Consumer complaint received 2017-01-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (TX)

I 've been battling for about a year now to get some accounts that were taken out in my name resolved. I 've sent this company XXXX series of documents and what they 've required for my case. Still, am having issues with a creditor collection company on my report. XXXX. The other XXXX collections came off but this did n't. I 'm wondering if XXXX or XXXX pays this bureau under the table or just pays more than what is required but it makes me concerned. XXXX have received also XXXX documents and I 've gotten zero response from them either. This bureau did respond just with notices of an alert. 
I guess money makes the world go round but still I need help getting this resolved. Let me know if you need anything further but I 'll keep sending certified mail. 

thanks, XXXX