davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-14
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (FL)

Do NOT include any personal information such as account numbers or Social Security numbers. 
I had a check hit my account during overnight processing - I was told by a represantive at the bank and customer service line that this happens at XXXX and XXXX in the morning. I was alerted my account was overdrawn around XXXX - I called told them that I was going to make a deposit and they advised me to call back once I had made the deposit and they would pay the check. I made a deposit at XXXX - I went into the bank where they informed me I needed to call customer service to make sure that the check was going to be paid. I called customer service who initially told to turn around and go back to the bank and speak with the Branch manager - I asked to speak with a supervisor - I was transferred to a Money Manager - who told me nothing could be done because the deposit was not made before XXXX and then said they needed to review the acocunt and speak with another Manager - I was placed on hold for XXXX hour and no one came back to the line. I called back and was told that it was too late and there is no such thing as a XXXX Manager and they had no idea what I was talking about. Extremely unprofessional, misleading and decietiful - all the way XXXX was the last represantive I spoke to and refused to provide her name or access to a supervisor. I had to ask several times - it is absolutely absurd that every the policies and procedures of a bank change depending on who you are speaking with.
Consumer complaint received 2015-04-24
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (MA)

- XXXX Obtained XXXX XXXX loan in XXXX for XXXX school in XXXX- Service transferred to Navient in XX/XX/XXXX and defaulted upon receipt- Approximately {$4800.00} has been paid toward this debt- No correspondence received from Navient- I called Navient on XX/XX/XXXX to inquire about resolution of this account. I was connected to " XXXX '' employee ID XXXX. XXXX Efforts to resolve have been answered with, " we will not do business with you. '' " There is nothing to resolve. " - These responses were given without any offer for resolution. I merely said I was trying to resolve the matter- my requests to be connected to a supervisor were refused- XXXX gave me a number to call, upon inquiry of who the number was for i.e in the company or not, XXXX told me he could not provide that information- Navient is reporting additional amounts on credit report despite their representations that there is " nothing to resolve. " - Have received calls from unidentifiable/unsearchable numbers without voicemails. Nothing received in writing for collections. *Given the frequent nature of these calls and this being the only account with my current number I am assuming these calls are related to this debt
Consumer complaint received 2016-03-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Synovus Bank (GA)

I opened a checking account with XXXX ( Synovus ) as they were offering a {$200.00} new account bonus and fee free checking. There were a few stipulations which I met such as Online bill pay, debit card use and Direct Deposit. I indicated at the time of account opening that my Direct Deposit would be via an ACH from my other bank account as I was self employed. Iwas told that this would be okay. Indeed, I use this same method to make ACH deposits to another account I have so as to avoid monthly fees. 

On the first full statement cycle, I was charged a $ XXXX monthly fee. I indicated at that time that if the bank would not honor their commitment then I would close the account. I was delayed in closing this account as there were a couple of pending debit transactions. Subsequent to that, I was charges additional fees because they would not close the account in a timely fashion. 

I have asked the bank to : 1 ) Refund all of the fees charged to me on this account as they did not fulfill the agreement with me about the bonus and the fees. If fact they charged additional fees. 

2 ) Amend their promotional documents to clearly state that ACH does not count as a direct deposit. The bank also needs to train their employees such that they clearly understand the promotional requirements and can communicate same potential customers.
Consumer complaint received 2015-07-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MO)

I attended XXXX XXXX XXXX in XXXX, MO from XXXX. I received an XXXX. I am now in student loan debt, including Parent Plus Loans, around {$75000.00}. The loan document presentation was completely rushed-it was not explained to me at the time of the student loan applications what exactly I was signing, and when asked for further information, I was told that they could possibly refund most if not all of the loan amount that was being taken out. It was also explained to me at one point when the amount was much higher than before that my previous semester 's tuition was combined with the upcoming semester, which is why the loan amount was so high. I felt rushed, but I was very young and inexperienced. My father also does not remember having the Parent Plus loans explained, and he is a very detail-oriented person. He did not remember signing for the loan, and has since requested copies of the loan documents to be sure that he actually signed for them. I requested time with financial advisors several times during my tenure, and was told that the loan amounts were not very high, and they 'd actually discounted this class or that, etc. Usually blaming it on books, which were included in my loans but cost was astronomical. I was not allowed to choose to go without the books, even though we never used or referenced them. It was all rolled into my tuition and subsequent loans. 

I 'm now a parent and have a relatively good job for someone with an XXXX, but I have a lifelong illness that sometimes prevents me from working, and so receiving sustainable income. I have Navient threatening to sue me and begin garnishing my wages if I do n't settle with them immediately, and XXXX is {$30000.00} worth of loans that are on forbearance and just gaining interest. My parents are paying the Parent Plus loans so it does n't affect their credit rating, and my wife is looking for a XXXX job to try and get a handle on this. We are drowning in this debt, and I 'm not sure how I will ever dig us out of this hole. My wife and I make decent money, and should be looking at houses and schools for our son, but instead we are living in my parent 's basement, paying them rent, and simply making it paycheck to paycheck to try and keep Navient from garnishing my wages. We need help.
Consumer complaint received 2016-04-28
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Navient Solutions, LLC. (RI)

I continue to get calls 2-3 times a week from : municipal services Bureau the number they call from is different from the number they request a call back. The names change on every call. I have called them back and they want my personal info to confirm payday loan ( that I did not apply or receive ) I spoken to one person months ago and advised them not my debt, as well as according to RI Banking Division the company, name changes all the time, is not licensed in RI and there fore illegal. they have threaten to take me to court, garnish my pay and use vulgar language then call 6-7 times the same day. I no longer return calls or speak with them. I have been a victim of identity theft and fraud and am still in the process of disputing credit report and contacting creditors.
Consumer complaint received 2017-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AR)

To whom th is may concern : I 've been trying to resolve the multiple negative student loan accounts on my credit report. The Credit Bureau (  XXXX , Experian,   XXXX    )  are neglecting to verify the accounts properly to determine which ones are duplicates o r original. Due to poor lack of investigation and communication I 'm requesting that all of the accounts be removed. All of the loans in question were recently consolidated but the negative accounts that have been reported are hurting my scores.
Consumer complaint received 2016-06-08
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: MRS BPO, LLC (MI)

I moved from XXXX Mi to XXXX Mi XXXX XXXX 2015, never miss a months credit card payment ... late a time or to. On XXXX/XXXX/15 I open a saving and checking account aat XXXX XXXX XXXX. On that same day, went straight to XXXX county Veteran Affairs office. to ask if I could Please have my routing number and account number fax to the XXXX V.A. office in XXXX Mi. XXXX XXXX told me they operate on tax dollars and they could not do to much. I ask XXXX if he could just fax the info he turn and walked in to his office so i ask him to do his job. I went across the hall to the XXXX XXXX leage power of attoney XXXX XXXX. Said he really did n't quite know how do he got on the phone made a call .ask if the info was right and he would I explained I was great full cause it had to be in before XX/XX/XXXX. the secretary, XXXX and XXXX did n't fax it until the XX/XX/XXXX. So I had to miss a months credit card payment. Now it have collection angency calling late fees pilling up. what should I do it 's really not my err. they just did n't do there job.
Consumer complaint received 2016-05-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: ECMC GROUP, INC. (CA)

In 1998 I applied for a Parent Loan for {$3000.00} for my daughter who was attending XXXX. 
I was denied the loan, never received any funds. There are now XXXX loans reporting on my credit bureau reports as in default. The loan amounts reporting are in excess of {$12000.00} for XXXX loans. I have asked for copies of the original disbursement check, however I only received a copy of XXXX loan application. These loans are not mine and reporting in error. 
I request this be corrected and removed from my credit file
Consumer complaint received 2016-01-14
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC (CA)

In XXXX of 2006, we refinanced our loan with Ditech, which became Greentree, and now is back to Ditech. In the course of the loan process there was a " Quit Claim Deed '' that had been signed and notarized to remove our son off the title. He is not listed on the mortgage. Ditech or the title company did not record the " Quit Claim Deed '' from what we can tell. It is in our copy of the loan documents, but is not a recorded copy. We have contacted Ditech, and they sent us a copy of the " Quit Claim Deed '', and now claim they do not have it and will not look into the situation further. We believe they know a mistake has been made because it was not recorded. My husband has died and we will be selling the house, however, my husband 's son will not sign the paper again. So I am trying to get someone to look at the original documents for the notarized copy and see if it was recorded as we have not been able to find it through the XXXX records.
Consumer complaint received 2016-08-05
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

Ditech / Greentree has held my mortgage for many years. XXXX XXXX, 2016 I received a report indicating that my escrow account was {$1500.00} + short and they were raising my monthly payment by {$100.00} to cover. This includes a " at their discretion '' {$500.00} + cushion. 
I understand insurance and tax rates increase but {$1000.00} in a year seems unlikely. Also since they have been managing the account they should have already established those balances last year and not come up short mid year. Why the sudden jump? It 's either mismanagement or just plain stealing.
Consumer complaint received 2016-05-19
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

Despite meeting payment arrangement and paying earlier than agreed Ditech harasses us over the phone and by knocking at our door! 
It is unacceptable to have this company abuse its clients by unfair practices. They agreed to a payment arrangement, payments were made and paid balance due before agreed date. They have knocked at my door twice leaving nasty messages. Balance due was paid last XXXX XXXX. Today XXXX XXXX someone knocked at my door and left another nasty message. WHY? UNACCEPTABLE!!
Consumer complaint received 2016-01-25
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF THE WEST (CO)

I applied for a job through a company that was false. The job was set up for me to work at home and they would mail me funds. I contacted the XXXX Attorney in Colorado and found out after I had cashed the check that these are false businesses made to get you to spend your money on their businesses. My bank charged me a {$15.00} fee even though I went to them on Monday after I had deposited the check on Saturday and they still charged me the fees even though I explained that this was a fraudulent business. Then they bounced a check and charged me XXXX because I was short about {$6.00}.
Consumer complaint received 2016-02-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (CA)

I underwent an XXXX, prior to XXXX. This was paid to XXXX XXXX XXXX. Due to overpayment, I received to checks from XXXX XXXX. However, they continued to send statements. I do not understand why I would received overpayment checks if money was owed to them. In addition, I attempted to pay online, and there is no balance owing. I received letter from EOS CCA collection office on XXXX/XXXX/2016. Here is copy of my letter to them. I also have submitted check to them, dated XXXX/XXXX/2016. 

EOS CCA XXXX. XXXX XXXX XXXX, MA XXXX To whom it may concern : I am writing this letter and submitting check to you under duress. This ongoing dispute with XXXX XXXX is way beyond a joke. Why am I submitting check? I am disgusted with their inability to operate their financial system, and then to pass account to collection agency. 

This copay was submitted online. I then received XXXX checks from XXXX XXXX re overpayment ; now there 's a thing. Unfortunately, I did not document, as I did not have a crystal ball, and did not realize I would have to deal with people that should not be in finance positions. I continued Type to enter text to receive letters re the amount of {$46.00}. 

My wife contacted XXXX XXXX and advised them of this, per last statement XXXX ; payment was due XXXX. Unfortunately, she did not request name of XXXX XXXX representative. My wife advised lady that she would immediately make another payment online. Guess what? No balance due!!!! Go figure. She attempted several times with, I may add, the correct information ... No balance due!!!! No balance due!!!! I certainly could not understand this. It probably was due to the fact that NO BALANCE DUE!!!!! Surprise, surprise, I received a collection notice. Of course, I am incensed at the stupidity of all concerned. 

My wife contacted XXXX XXXX AGAIN yesterday, XXXX XXXX. She spoke in depth with XXXX from billing department. Conclusion? XXXX suggested calling another number, as she could not provide any pertinent information ... .or she knew nothing. To say my wife was frustrated is an understatement. 

On to your letter, which states one can pay online. Guess what? You have a technical issue and would not allow online payment ... I have never in my life been so utterly frustrated and angry and shall be forwarding this letter to FTC with official complaint. Let 's face it, why on earth would XXXX XXXX send me XXXX overpayment checks, yet not apply to what they say was owed to them? To reiterate, I am paying this check to stop everyone harassing me. Crazy is not the word!!!! This is wrong, wrong, wrong, wrong!!!!!!! 

Sincerely,
Consumer complaint received 2016-12-04
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc. (CA)

This incident was btought to yhe attention of EOS CCA. Who is now the XXXX creditor to attempt collection on this fraudulant collection. The company before them was XXXX XXXX. The original credit provider was XXXX whom never comunicated to me nor provided documentation of this false debt. This debt according to XXXX and XXXX was opened XX/XX/XXXX. My research after contacting EOS CCA was told that the account was originally established XX/XX/XXXX. Im certain that is against the law debt to place a debt in the hands of another debt collector let alone XXXX. I HAVE no idea why they are attempting collection without proper documentation to prove the validity of the collection attempt.
Consumer complaint received 2015-07-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (NE)

I had an account for internet services with XXXX, now XXXX that was opened in XX/XX/XXXX. When I attempted to pay my bill online, their site was unable to locate my account because someone had transposed my last name when my account was opened. 

I called into customer service and they were unable to correct the issue or locate my account. My account was suspended due to late payment, the amount due at this time was around {$90.00}. Because of the poor customer service, I elected to not have my accounted reinstated and returned the equipment. I did not receive a final bill from them attempting to collect the total amount due on my account or stating the total amount due. 

In XXXX of this year, I received a collection notice from AFNI , Inc, for the amount of {$300.00} for this account. There was no explanation as to the final charges. I was able to settle the account by paying {$180.00} ( estimated ), but the account now is being listed as 'settled for less that the amount due ' on my credit report. I was not advised this is how it would be reported when I was offered the settlement amount when paying the collection with AFNI. 

This collection is now being listed on my credit report, even though I 've paid this off, and will continue to be listed until XX/XX/XXXX. I do not believe this has been a fair process in the handling of collecting on this account by either XXXX or AFNI. XXXX because they erroneously recorded my account in the first place, and AFNI because they did not inform me the payment would be listed as a settlement in reporting to the credit bureaus.
Consumer complaint received 2015-03-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NRA Group, LLC (MA)

I pulled up my credit report looked it over and realize that XXXX is reporting to the credit bureau a debt of {$260.00}. I contacted them and let them that I never had services from XXXX. They asked me for my account number which I explained to them that I do n't have XXXX and I was looking at my credit report and saw that there 're reporting to the credit bureau this debt. So they asked me for my Social Security number, when I provided them with that number then they told me that I 'm not on there system and since I 'm not on there system I should n't have to worry about it. So I explained to them that I have to worry about it because it 's on my credit report which is hurting and my credit score. And I explained to them that I wanted to dispute this debt because simply it does n't belong to me. Then they told me to contact the credit collection agency because they no longer have it on their system which is wrong because they 're still reporting it to the agency even though they sold the debt to national recovery agency ( under the fair credit repair act FCRA Once you sell the debt to collection agency you are not allowed to report the same debt to the credit bureau as if it 's a different that debt anyways it is illegal to do that ) which I have contacted numerous of times they kept hanging up on me telling me that I have to disputed this debt with the XXXX and they 're just collection agency. Enclosed in a letter that I sent to national recovery agency requesting information about this debt. What I got back from them is a copy of the bill which does not prove to me that it 's my debt. So if you please help me out because I 'm losing sleep over this matter. XXXX companies are reporting the same that which told belong to me and it 's really frustrating so thank you very much in advance for your help and I appreciate it and hope to hear from you soon
Consumer complaint received 2022-10-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

It is a rental scam based on XXXX through my Chase bank account. I was looking for a short term sublease. And I am interested in this scam person 's post on XXXX XXXX. He told me I could not see the room in person because there was a tenant living there. And he sent me a video. And then he sent me an agreement through email. I 1st signed the agreement and then I sent those money separately through XXXX linked inside my Chase XXXX from my checking account.He asked me to send money twice, one is happened on XX/XX/XXXX for deposit {$1000.00}. Another one is happened on XX/XX/XXXX for one month rent+ cleaning fee which is {$1500.00}. I asked him whether I can send him the deposit 1st, he said no. Today is supposed to be the date for my move-in date. and it turns out the unit he tried to rent me is already rented, and he is also not the owner of that unit after talking with the apartment. So this is an entirely a scam. but both XXXX and Chase seems very unlikely to recover my money.