davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AFNI INC. (PA)

In XX/XX/XXXX-XX/XX/XXXX I had XXXX Cellular account. I had discrepancy with invoice. Account was closed ... XXXX sent to collections. The current collections company AFNI obtained this by purchasing the account from another debt collector. Afni did a re-aging of the account to continue to collect payment from me. Re-aging is illegal. I in good faith paid the small amount to resolve buy they are still casing problems with my credit report by reporting to all 3 bureaus. Due to the age of the account XXXX no longer holds any data. I want them to stop reporting to the 3 bureaus. They never had the authority to do so.
Consumer complaint received 2015-05-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (AL)

Our mortgage was sold to GreenTree from XXXX in XXXX, 2013 and from XXXX, 2013 we have had nothing but problems. First they started calling XXXX times daily. When we would return the call and was transferred through several people they talked to both my husband and I like we were ignorant. When our payments are made they are often held. I have something showing on my statement " unapplied funds '' and " Corporate Advance Balance '' and when I inquired about this I was told it was a government charge. We attempted to get a Hamp or Harp modification and was denied for both of those ; however they did modify our mortgage AT THE SAME INTEREST RATE AND EXTENDED FOR 40 YEARS. At this rate we will never get the mortgage paid off. I have misc. charges like Appraisal-inspection fee that I know nothing about. I have also included a breakdown of my payment history and as you will see there are several speedpay charges. If fact even though it shows some paid in cash I have NEVER sent them cash. We were told the only option we had to pay WAS speedpay. I have been in the mortgage/banking division for almost 20 years and I can not make sense of how they are applying any of my payments. I also would like an exact explanation as to why we were denied the HARP modification. My monthly payment including escrows should be {$800.00} but I have never received a statement showing that account. We I call to question anything I can not get a straight answer, am constantly transferred to another person only to be told that I have no idea what I am talking about. I understood the whole modification process was to help struggling homeowners, not treat them like trash. I have reached out all over social media and have not found XXXX person they have modified who is not have issues with them. I would like to make a payment and have it show amount applied to principal, interest and escrow and not all of these other " '' accounts '' they are putting my money in to.
Consumer complaint received 2021-02-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE (NJ)

I am having a huge problem with Barclays Credit Card Department. 

My name is XXXX XXXX and I am suffering from the negligence by the customer service agents of Barclays Bank. This has gone on far too long. 

Below breaks down XXXX accounts I have with Barclays : Account # XXXX XX/XX/XXXX of 2019 Bal {$1300.00} Barclay XXXX Account # XXXX Barclays XXXX XXXX Bal. {$2500.00} - Closed by XXXX Every time I call to make a payment, they would say they no longer handle the account. 
Unfortunately they were referring only to the XXXX account. Very misleading. 

I have spoken with XXXX who is a supervisor. XXXX XXXX ID XXXX XXXX They admitted fault for not collecting properly and this has caused continuous damage to my credit report. 

I am asking for a good will adjustment to my credit. I am requesting a deletion of both accounts. Please help me. I am a hard worker and trying to by a home for my family and this bank is not practicing the fair debt collection process.
Consumer complaint received 2015-12-08
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (GA)

I had not used my Citi credit card since XX/XX/XXXX. In the time since XX/XX/XXXX, I was issued a new card ; however I never activated the card. Nevertheless, an unauthorized charge was made on my card without my knowledge in XX/XX/XXXX. Following receiving a notice that I had a delinquent balance in XX/XX/XXXX, I inquired about the balance with Citi and disputed it. Citi found in my favor on the dispute and reversed the charges including late fees and interest in XX/XX/XXXX. However, in XX/XX/XXXX I discovered that they had reported negative information in my credit report. I called Citi again to fix the issue, and they apologized and told me they would get the reporting fixed and I would receive notice in 5-7 days when it was complete. I simultaneously disputed the negative information with the reporting agencies. Over a month passed, I received no update from Citi ; however the credit reporting agencies noted that Citi had indicated that the negative information was in fact accurate. I called Citi again to try to remedy the situation. The first customer service representative was apologetic and told me that it looked like it had gotten lost in bureaucracy, but that she would get her manager to help. The manager was very rude, indicated that I did not deserve any notice of their actions regarding fixing their credit reporting despite the promises previously made, and also indicated that the charge was in fact authorized and proper despite Citi 's previous finding in my favor and that the card was not even activated. While I have not incurred any actual losses yet ; my credit score dropped by about XXXX points, which is concerning because I am trying to buy a house and secure a mortgage. 

The supporting documents attached show that my last activity was in XX/XX/XXXX, no payments were made recently, but the balances were cleared, the negative information in all credit reports, and the results of my initial dispute with Citi in which Citi found in my favor.
Consumer complaint received 2017-01-06
Product: Credit card — 
Issue: Billing disputes — 
Company: PNC Bank N.A. (MI)

This is both a follow up and additional complaint against PNC bank. Around the XXXX week of XX/XX/2016, I reported unauthorized transactions on my PNC Visa business card. I spoke to a fraud investigator, detailed each transaction as required. I also requested in writing all correspondence done in writing via either PNC banks own secure message system, on line chat, email or USPS for accuracy purposes. I am sure everyone agrees this is the very best way for transparency and assure neither side is limited to the facts. However, PNC claimed my original dispute was MISHANDLED. and requested another detail list of all the transactions. This seemed strange to me, they have a recording of the conversation, therefore a record of everything said. Why would PNC bank REFUSE to access their own record? Further, PNC bank continued attempts to have my 2nd dispute over the phone. Why would I provide them another dispute over the same format they admitted mishandling and refuse to acknowledge having? Therefore, I provided a 2nd dispute in writing on XX/XX/XXXX, through PNC banks own Messaging platform, this way there is no discrepancies or possibility of any attempt to claim it was NOT received, right? Both sides now have a copy. I mean KNOW WAY would PNC bank be so bold and defiant to LIE! 
Well, brace yourself for this one. Just yesterday I received a letter from PNC bank, dated XX/XX/2016 from XXXX of the Dispute Resolution Department claiming ... I never provided them with details of the unauthorized transactions " ... You have NOT responded to our request for information. As a result, we can not conduct an investigation into this matter, we have closed our file and you WILL CONTINUE TO BE RESPONSIBLE FOR ALL AMOUNTS DUEAND OWING .... '' Now either PNC bank is recklessly incompetent, or deliberately lying. both violations of out agreement, which is an agreement of adhesion ( in other words, they created and dictated the agreements had no say in any terms, yet they still break it ). Further I have disputed the amount owed with XXXX, therefore setting up for future damages. If pnc bank reports the balance to include the disputes transactions as accurate it will trigger the FCRA violation standard allowing me to sue. interesting what the CFPB intends to handle this, because by PNC banks own actions they are sending a clear message that the CFPB has zero leverage with them and PMC clearly has no respect for federal agencies.
Consumer complaint received 2016-12-05
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: PNC Bank N.A. (IL)

To : Whom it May Concern at PNC Bank " '' I spoke with someone from your office ( XXXX or XXXX ) stating that my late payment would not go through until XXXX XXXX, 2016 and would not leave my account until XXXX XXXX, 2016. He told me that mine and my CO-signer, XXXX XXXX 's credit scores would not be affected from this delay since I was prompt in fixing the misunderstanding. His credit was above XXXX and now as you can see with his printout it is now at XXXX. I also spoke with XXXX in your office this morning regarding disputing this credit score change. Please let me know if you have any additional questions. Since the payments have been processed as of XXXX XXXX, 2016. I ask that his credit and mine not be affected by the misunderstanding. " '' Thanks, XXXX XXXX XXXX
Consumer complaint received 2016-09-01
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (IL)

On XXXX/XXXX/2016 I went to pnc bank on XXXX I put in my account {$230.00}, $ XXXX, went in taking under orders {$130.00}, I ordered some shoes right away but somehow, they did n't come out right away, I was made to put nearly, actually a whole another {$100.00}, in the bank which makes total a {$330.00}, deposit bit I do n't have all such worth of transactions nor, goods making this transaction show dollar for dollar wat, I used, the banks Delayed '', inacccurate, management, accounting my cash to my account fastly, inacccurate not my fault, inacccuratesnfact this is n't the first time I post money n it was gone, or never usable, or used n then I was told " you went busty how can a merchant such as finishline b allowed to say " item went thru, when it didmt? how can bank hold off giving items to them when funds were there,? then turn around n charge XXXX? XXXX bank also when I went to it a XXXX, XXXX, charged in words across the teller till STATING YOU MADE XXXX COMPLAINT VS US '' XXXX? WHICH I CHE KED HER PUT HER IN HER PLACE, BUT THIS STATEMENT TELL ME THAT IT 'S IN THE COMPUTER MY COMPLAINT IN THEIR RECORDS WHICH EXPLAINS WHY I MAY HAVE BEEN CHARGED N ERROR. IF U SPENT XXXX $ XXXX/WITH ONLYBXXXX $ WORTH OF TRANSACTIONS TO SHOW FOR IT, THEN BE TOLD YOUR NEARLY $ XXXXNEG, PUT MORE MONEY IN WHERE 'S MY CASH GOING? I DEMAND IT BE RETURNED, THIS BANK HAS ALSO DENIED LOANS TO BLK, VETERAN XXXX CLIENTS LIKE ME, N BEEN DISHONEST DENYING NOTARIES, TO ME AS WELL, THIS BANK HAS ENGAGED IN RETALIATORY, ACTIONS VS ME SINCE I 'VE BEEN DOING BUSINESS WITH THEM AND MUST B FINED ALSO FOR ALLOWING TRANSACTIONS TO GO THRU, NUMEROUS TIMES ONLINE N THE PORTAL, ONLINE DO N'T MATCH WORD FOR WORD SPELLING OF MY NAME ON CARD, /BANK FILES, WJICH MEANS SECURITY OF PNCBANK, XXXX THEIR ATTITUDES N WORKERS
Consumer complaint received 2016-09-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Williams & Fudge, Inc (CA)

I was enrolled for school at XXXX University. At the beginning of the start date I became ill, and was hospitalized. I also had to deal with a XXXX after arriving home. I did n't even start in the school start. I never used their services, did n't get any books, did n't even log on. Their campus logs show that. I explained to student enrollment I was unable to get to a phone during their small window of cancellation sue to being hospitalized. They did n't care, did n't offer nay alternative or ask for proof. because this is a for profit school they did any and everything they could to get almost {$3000.00} from me. I did n't get a service from them. and AGAIN I never logged into their system to start the online courses. I told them I did n't have a job, I am on welfare and the financial aid was the only way I was paying for school. they stated they will continue to call me and ask for me to pay for {$3000.00} knowing I had no way to pay for it. Furthermore, did n't even listen to my valid point that i do not owe this debt.
Consumer complaint received 2017-01-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (NV)

XXXX charged me unfairly for using phone call oversea And I know XXXX XXXX XXXX was ordered by FTC to pay over XXXX for overcharging their customers. 
please read my attachments.
Consumer complaint received 2016-06-07
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (MI)

Big Picture Loans has been very dishonest in the way they handled my loan. When I agreed to borrow {$820.00} I was not shown the truth in lending disclosure showing my APR. once I signed the agreement, I found out that the interest rate is 910 %!?!?! If I have to pay these finance charges, I will end up paying {$7100.00} over the next year and a half on an {$820.00} loan. Seems simply outrageous to me. I am appalled at these finance charges and feel that they are unethical in truth in lending. They also say they have a demand feature on my bank account and so it will deduct my account even if I file a stop payment with my bank. This was also not something I was aware if before signing the agreement!
Consumer complaint received 2016-03-08
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC (OK)

I took out a loan from XXXX XXXX for {$400.00}. I was told there would be a {$140.00} service fee but after the loan was complete I received an email showing I will be paying back a total of {$1800.00}. I have to date already paid back a total of {$560.00} but they are still deducting money from my checking account. They are charging an interest rate of over XXXX %. The company has now changed names to Big Picture Loans.
Consumer complaint received 2016-03-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (VA)

I set up a payment with the company ERC and the following week for personal reasons I cancelled my payment.Unfortunately when I cancelled my payment ERC never deleted and still snatched it out of my account.When I called to explain they acted as if I was lying about cancelling my payment.They told me they reversed my payment and in 72 hours my funds would be back in my account.I called up there everyday and they gave me the run around.I heard XXXX different responses from XXXX different people and when they tried to say my bank was holding the funds.My bank had already told me that there was n't anything pending from ERC on my account .When I kept calling ERC back they gave me the run around and kept placing me on hold for periods of time and hanging up on me.It 's going on a week and the funds have still not been placed back in my account all because they did an illegal transaction that I did not authorize.
Consumer complaint received 2017-03-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (ND)

I am a victim of identity theft and someone stole and used my personal information to open a XXXX Checking Account : XXXX and Money Market Rewards Savings Account Ending in : XXXX, The accounts are fraudulent, unauthorized and do n't belong to me.
Consumer complaint received 2016-06-10
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Green Trust Cash, LLC (NJ)

I took out a {$300.00} loan with Green Trust Cash, not realizing the heavy load it would burden me, but also coming to realize these loan are illegal in the state I work ( XXXX ) and the state I reside ( XXXX ). I have to this date paid back a total of {$860.00}. The total interest on the loan is 669.75 %. I have written to the company revoking them from taking ACH debits from my account. They acknowledged they would stop taking the debits, but want me to pay off the balance. I am unable to keep drowning in this illegal loan.
Consumer complaint received 2016-08-01
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION (GA)

My insurance company attempted to make payment and requested a Letter of Guarantee for the title, but was told Regional Accepatnce 's insurance department is short staffed, so it would take between 4 - 6 weeks to draft the letter ( which at most, takes 3 - 5 business days ). I called and was told my loan would still be accruing interest and payments due while waiting for them to send the letter for a vehicle deemed a total loss. I was told I would have to make a payment extension, then told my XXXX insurance would not cover any time I had a payment extension, and that interest would still accrue ( daily ) during this time period. They are not the same company I have XXXX with and it is not in my XXXX contract.. I am now paying for my rental vehicle since it has been over 30 days, due to them stating they have an issue with staffing in the insurance department.
Consumer complaint received 2015-03-26
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (NC)

I applied for a loan with Quicken Loans. I was pre-qualified not long after submitting my application and was requested to pay the non-refundable {$500.00} towards an appraisal. Once the appraisal fee was paid, my application went to the underwriter for review. On XXXX XXXX, 2015 my real-estate agent and builder received a letter indicating my loan application had been approved and fully underwritten. The letter indicated that my income, employment, and credit scores have been verified, but my loan had been approved contingent upon receiving the appraisal, title commitment and homeowners insurance. All of which were completed within weeks of this notice and a closing date of XXXX XXXX, 2015 had been scheduled. 

At this point, I completed the final earnest deposit installment with the builder for a total of {$12000.00} which authorized the builder to began making a few requested customizations to the home and set an closing date as well. 

A few days into this process I received a call from a Rep asking me to provide proof of timely payments for a previous mortgager lender because my report show untimely payments. Again, I provided this information immediately ; however, I received a formal denial letter on XXXX XXXX that my loan was denied due to past credit history. 

After providing proof of timely payments, completion of a credit supplement/rescore, credit verification phone interview and providing an explanation letter Quicken reversed the original denial and approved my loan for the XXXX time. In my opinion, reviewing past credit history is mortgage underwriting XXXX. Why did Quicken approve my loan initially, advise my realtor and builder, then ask for supporting documentation only to deny the loan? 

The builder, XXXX XXXX has now instructed me that because they have set XXXX closing dates and because I did n't close, I am now considered in default of my contract and they will be retaining my {$12000.00} earnest money deposit. I am in no financial position to write off {$12000.00} due to the incompetence of a mortgage lender. If my loan application did not meet Quicken 's criteria I should have never been lead not XXXX, but XXXX and placing my life savings in jeopardy. I am requesting that Quicken reimburse me for the earnest deposit in the amount of {$12000.00}. I will also be reporting this issue with my employer who endorsed Quicken loans as well as offered incentives to open loans with this organization.
Consumer complaint received 2015-11-11
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (FL)

I received a letter from Quicken Loans dated XXXX/XXXX/15 indicating we were eligible for refinance through HARP. The letter had my loan number provided by XXXX. 
When I called the XXXX number, I spoke with a fast talking representative who told me several lies, including,1. Quicken was the sole provider who was authorized to refinance this particular type of loan. 
2. He would not be able to provide a quote for the refinance without pulling a hard credit pull - doing so he said would be meaningless. 

When I indicated I had gotten a quote from XXXX 2 months ago, he told me that was impossible - that Quicken Loans was the ONLY provider who was able to do this refi, and they were working with XXXX in a new partnership so they were the only provider authorized to do this type of loan. 
When he would n't provide a quote without a hard credit pull, I hung up. I received a call from XXXX, a few minutes later. When I googled the number, it shows to be a Quicken Loans number in XXXX, AZ.
Consumer complaint received 2016-03-16
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (FL)

I contacted Quicken Loans on Friday XXXX/XXXX/16 and spoke with XXXX to discuss refinancing my FHA mortgage. I informed XXXX of my estimated credit score, how much the original loan was for, and how much the remaining balance was, as I wanted his honest opinion on whether or not he could help BEFORE he pulled my credit. I told him that other lenders have told me that attempting to refinance after only 6 months would not be possible. XXXX immediately informed me that Quicken loans had very aggressive products and could do things a traditional lender could n't do. He stated that he felt sure he could save me hundreds of dollars on my monthly payment and that my current lender would most likely not want to refinance my loan as they were earning money from the interest. I asked XXXX if he felt that Quicken loans could save me a substantial amount of money every month to which he replied " absolutely. '' Feeling encouraged, I gave him my social security number and authorized a credit pull. He told me he would " run the numbers '' and get back to me. I spoke with XXXX again on Monday XXXX/XXXX/16 but his tone was considerably different. He informed me that my debt to income ratio was too high and that it would be difficult to do anything for me. He ultimately stated he could refinance my loan saving me a whopping {$40.00} per month but I would have to front almost {$3000.00} in closing costs ( at that rate, it would take my 6 years just to break even again from the out of pocket costs ). I asked him " is this the type of aggressive products Quicken Loans offers? This is XXXX! '' I contacted a supervisor on XXXX/XXXX/16 to discuss and spoke with XXXX XXXX. I told her about the situation and asked her to remove the credit pull from my history as I felt XXXX performed a traditional bait and switch and falsely advertised what Quicken Loans could do for me. She stated she would look in to it. XXXX then called me back on XXXX/XXXX/16 and informed me that there was nothing she could do.