davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP (OH)

My family made the decision to open a second bank account so we could have a local branch to make deposits, due to our main account being online based. We looked at multiple banks and decided to go with Key Bank because they had the best new customer offer. {$300.00} after 90 days with {$500.00} direct deposit. I went to the local branch in XXXX OH to set up the account. We discussed the offer and the criteria but the offer would not work in the branch. I was told I had to go home and set up the account online and then come back to verify the account. I completed those steps. 90 days later I had not received the {$300.00} for opening the account. I call the your customer service line and was told I had to make a single direct deposit of {$500.00} to qualify. The information I received at the branch differed. I was told when discussing the criteria that I had to make direct deposits totaling {$500.00}. I made a {$250.00} direct deposit every paycheck, 2 weeks, over that 90 day time frame totaling {$1500.00}, meeting the criteria in my understanding. I was told, because the account was initiated in the branch, to speak with branch manager, and after that her boss, then it was escalated to the district manager and they all said I did n't qualify. The also stated that it because the account was opened online they could n't help. Both departments blamed each other and pitched me between the two. No other solutions were offered. I acted on the information I was given in person at the branch. Had I had the correct information I would have deposited the {$500.00} as a single deposit. The employee who initially helped me now denies giving me incorrect information. On a personal note, we have a newborn and my wife is still on maternity leave so we were planning on these funds being available. This is putting undue burden and stress on my family.
Consumer complaint received 2016-10-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CMI Group, Inc. (NY)

XXXX XXXX XXXX ( XXXX ) in XXXX was my triple play service provider ( Cable, Internet and VoiP Phone ). I terminated service. A XXXX technician came to initiate service for the new customer taking over service. The XXXX technician took equipment back ( DVD-R, peripherals ) and said he would report that he had taken this equipment back. Now, I got a bill from {$180.00} from XXXX which when I called was told was for this very equipment which XXXX alleges was never returned. I said this was an error. XXXX put me in collection with Credit Management LP to collect this {$180.00} which I do not owe. I called Credit Management LP to explain I am disputing the debt. Credit Management LP has told me that I need to provide all sorts of personal data ( new address, SSN, etc. ) in order to properly file with them my debt dispute notice. XXXX and its agents are in the wrong, abusive and overbearing. I request : cease and desist, annulment of debt and a redress of any notice of delinquency on my credit reporting. Please help me. Thanks
Consumer complaint received 2016-08-01
Product: Prepaid card — Payroll card
Issue: Managing, opening, or closing account — 
Company: First Data Corporation (GA)

My card account was placed on hold with any notification to me. The company ADP Totalpay accepted a deposit into the account even though they would not give access to the money ( they didnt tell me ). They have given me numerous reasons as to why this happened and none of their reasons make sense. I have sent them all the requested documents multiple times ( a copy of my drivers license, a copy of my paycheck and a copy of my social security card ). 
They have given false reasons as to why they can not use the documentation. Once they told me that my driver 's license it expired, however, it does not expire until 2021. They told me that my i.d . was too dark to read but they read me the information from it. They initially said that they could read my social security card, but after the 3rd time I 've sent in my documents they say they can not read the social security card. None of my files are blurry or dark. I have sent these same files to other businesses and they were read fine. 
I have gone a month without my money. The ADP TotalPay customer service will not allow me to speak with a supervisor. They just continue to place you one hold and then transfer you blindly to a line where no one ever answers. I only want access to my pay that was deposited on the card
Consumer complaint received 2016-04-25
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: ARVEST BANK GROUP, INC. (CT)

I opened a " Free Blue '' Checking account with Arvest Bank. Had a balance over {$1000.00} in the account. This was not my primary account but allowed me to have local access to a bank. I recently checked the account and noticed that a dormant account fee of {$5.00} was assessed for 6 consecutive months. It 's very misleading to call something " Free '' but they charge me over {$30.00} over 6 months.
Consumer complaint received 2016-08-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

XXXX XXXX erroneously reported a debt to XXXX XXXX XXXX that I paid immediately in full on XXXX XXXX, 2012 when service was cancelled. I called XXXX numerous times, but kept getting referred to an automated number. XXXX also refuses to remove this inaccuracy with proof of original receipt. ;
Consumer complaint received 2015-12-07
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: SECURITY FINANCE CORP (NC)

My complaint is about Professional Financial Service. They refuse to give me that information. I 've had problems with this company before. I had to call my local whistleblower to get my car back. They illegally repossessed my car and then tried to charge me XXXX times the amount that i owed. This was all over insurance no missed payments. I paid what was owed minus the tow fee which the President said i could pay at the end of the term. I have paid my car off and as of today i have not received my title. To make matters worse they charged me a extra XXXX in late fees. When i call the company there very rude and dont want to listen. I asked if they could switch payment dates to the day i was paid and they refused which they have a right to do. I had XXXX late payments per there contract if the vehicle is used for personal, family, household etc ... the late payment should not be over XXXX. I use the vehicle for all of the above. For XXXX late payments the fee should have been XXXX which i paid at the end of my term a long with the tow fee and the last payment for the month. This was all paid in the month of XXXX. I received a phone call after that saying that I owed a extra XXXX. When asked why she was rude and said they charged me interest on my late fees. I told her thats not what the contrat stated. She said pay the fee or there coming to repo the car. I paid that fee also. I have no clue of what that was for but i paid because i know they will come get your car. I have a copy of all my money order payments and a copy of there contract. My insurance agent also notified them that i had insurance yet they was still charging me for that also. I have all documents. As of today i have paid all fees and fees that i was not suppose to pay and I still dont have a title.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: ACS Education Services (NY)

I saw an ad online from XXXX for helping consolidate loans. I contacted them, gave them my information about my loans and they put me in contact with XXXX to process my payments to them. 

I used XXXX to help apply for a lower monthly payment plan. They processed my paperwork and moved my loan servicing to XXXX. They failed to migrate my Perkins loan to XXXX, so now I have to pay a separate business for this other loan. I was completely unaware that my Perkins loan was n't included in my new payment plan until AFTER I was notified that a bill was past due. 

Before attempting to refinance my loans, I paid all of my federal loans with one monthly payment of {$160.00}. Now, I have to pay $ XXXX monthly to XXXX in addition to {$230.00} a month to separately pay for my Perkins loan. 

All of this is not including monthly payments I have to make for private loans.
Consumer complaint received 2015-07-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

Green Tree claims that there is not proper hazard insurance on the property located at XXXX XXXX XXXX XXXX, OH XXXX. Please see attached letter. 
I spoke with Green Tree on XX/XX/XXXX regarding a letter dated XX/XX/XXXX. Green Tree claimed there was no insurance on the property since XX/XX/XXXX. We agreed to have the insurance agent contact Green Tree and that the renewal billing was not going to be available until the first part of XX/XX/XXXX as coverage was in force until XX/XX/XXXX 
Green Tree called the insurance agent on XX/XX/XXXX to verify the information. 
Another letter was received dated XX/XX/XXXX again claiming no hazard coverage. 
The insurance agent faxed the insurance bill to Green Tree on XX/XX/XXXX. 
XX/XX/XXXX the attached letter was received. This letter dated XX/XX/XXXX states again no hazard coverage and that I will be liable for any coverage Green Tree purchases. 
On XX/XX/XXXX I spoke with XXXX at Green Tree who stated they did get the bill, but it is not being paid as there was information missing. XXXX requested that the insurance agent call Green Tree direct. This happened within the hour. According to the insurance agent, 5 letters were missing on the declaration page, but they were told this would not hold up premium payment. 
I called Green Tree back to follow-up. XXXX took my call, did nothing and transferred me without notice to XXXX. XXXX stated they had no record of a premium bill or coverage. This was totally incorrect. I stated the facts and XXXX claimed he talked with the insurance agent and expedited the premium payment on XX/XX/XXXX. 
No online entry in noted on the account as of today.
Consumer complaint received 2016-05-16
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (CO)

My credit shows a charge off for a XXXX mortgage back in XX/XX/XXXX which was service for XXXX XXXX XXXX by Greentree financial. Recently, Greentree sold out to Ditech. Ditech is now reporting me as late on a charged off from XX/XX/XXXX. I have a waiver and pay {$350.00} a month to an attorney. If I was hit for this being a charge off in XX/XX/XXXX and my credit reflects a closed account, how can I get Ditech to stop reporting this on my credit with today 's date, reflecting late payments? Credit wise, I was penalized for this in XX/XX/XXXX and years later, and am damaged with it reflecting as a charge off. I was separated from my husband who would not leave the home, and the home was in my name. I am accountabIe for the action. While in pre-foreclosure proceedings, we sold the house XXXX different times, but the servicing agency would not forward the sale info to XXXX XXXX XXXX and declined the proposed sale and settlement value. They then sold the house, and reported it as charged off on my credit. I will attach the credit report that is recently destroying my otherwise perfect credit now and for the last XXXX years while on my own, and the waiver that was worked outside this issue between Greentree and my attorney. Please help me to get this either reflected as charged off and done, or as an open account with a perfect payment history since the waiver agreement in XX/XX/XXXX. Thanks so much!
Consumer complaint received 2015-11-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Ditech Financial LLC (FL)

XXXX held a XXXX mortgage on our home, release the lien and sold the debt when the home went into foreclosure by the XXXX mortgage holder. XXXX then sold the debt to Green Tree Financial, which I now know are, aka XXXX XXXX XXXX XXXX XXXX, aka DITECH Financial LLC. 
XXXX and Green Tree were both notified of the bankruptcy filing. Since that time I 've starting getting collection letters from Ditech, which is same parent company. I called and gave them the bankruptcy case number and the lawyers phone number, The ' XXXX '' who would n't give his agent # or other ID, was very nasty in telling me that they could contact me all they wanted by mail unless I sent them a letter telling them not to. I re-explained the bankruptcy filing to him, but he was rude again. 
Now the bankruptcy was discharged on Monday XXXX XXXX, and on Friday the XXXX I received another collection letter.. BUT it 's dated XXXX XXXX Odd that, and the envelope has no postmark date.
Consumer complaint received 2015-06-11
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC (IL)

I have been trying to complete a deed in lieu of foreclosure for over a year, Greentree servicing has been giving me the run around regarding the XXXX mortgage saying that I need to pay off the XXXX before we can proceed with the DIL. I told the rep that my XXXX mortgage was also with them ( Greentree ). The rep insisted that the XXXX mortgage was not with them even after I had told her that I received phone calls from them regarding the XXXX. This went on for months until finally I spoke to a rep who was able to find the XXXX. She said the XXXX mortgage was listed as ( closed ) which is the reason why they could n't locate it. So now I 'm talking to my account manager XXXX and she says she needs to get an override from her manager to proceed and I never heard back from her after numerous calls and the property is now in foreclosure, this is completely unacceptable and unprofessional
Consumer complaint received 2017-02-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (CA)

I have a student loan with Navient. I had some XXXX loans in XX/XX/2010 which Navient took over. I consolidated the loans to help with lower payments. Navient said that one loan was XXXX but it was a private loan. and I could not consolidate it. It is in the amount of {$19000.00}. plus. I offered a down payment of XXXX if they could make the payment at {$100.00} a month. 
They want XXXX down payment. I am supporting my Grandmother who has been ill and out of work. The house went into foreclosure and I had to help save our home. I am just starting a full time job but I need some time to get caught up. I ca n't take out another loan as I ca n't afford another payment. Navient is threatening garnishment of my wages which I ca n't afford. They have hard to deal with always. They did n't tell me the other loans had been paid off when they were and they have n't explained what this private loan ( which is a XXXX loan ) is and they have locked me out of any internet interaction with them..
Consumer complaint received 2015-08-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (WI)

In XXXX of this year, my wife and I started receiving multiple phone calls from Green Tree Services LLC, our current mortgage holder. The caller was stating that we were several months behind in our mortgage payments and we owed upwards 0f {$4000.00} to them. Checking our online banking statements it showed that all of our mortgage checks had been processed and we were making the monthly payments. The woman calling, XXXX, was extremely rude in the voice mails and in one of my recorded voicemails, she curses into the phone. My wife was finally able to get a hold of another representative from the company who explained to my wife that Green Tree had made a mistake and placed all of the checks they had received from us into our escrow account, which in turn showed the mortgage not being paid. They even went as far as to send notice of eviction to our home. While we were desperately attempting to figure out what was happening to our checks we were sending, the company continued with the harassing and bullying phone calls. They even went as far as to call my place of work to harass me. After they finally realized the mistake was theirs, the calls stopped. I am extremely displeased with the undue stress and harassing calls this company has caused my family all due to a mistake on their part. The quality control of Green Tree Services leaves much to be desired.
Consumer complaint received 2015-05-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (OH)

In a letter dated XXXX XXXX, 2015 Green Tree Servicing sent a letter to me stating the following : " ... we have started to take the necessary steps required by law to gain possession of the creditor 's collateral ''. The issue is this : As of the date of that letter ( XXXX XXXX 2015 ) the loan was only 8 days past due, they had a future payment on file for me for the month of XXXX 2015 and all of this was verified and confirmed with their customer service representative on XXXX XXXX, 2015. I find this overly threatening and an unnecessary aggressive collection tactic. I find this type of harassment unnecessary and worrisome and would like for some assistance with this matter to stop these threats.
Consumer complaint received 2016-08-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: GMA Investments, LLC (CA)

Summit Receivables contacted me from a number representing that is was coming from a local calling area. I live in XXXX XXXX, CA. The Number they used was ( XXXX ) XXXX. After receiving very threating tones and accusations from the first Female caller, I called back to speak with a " manager '', After not only being insulted and laughed at, After stating that i would not claim yes or no to the Money owed they are saying, until receiving a Document providing they had acquired the account from another company. One of my Immediate family members works for the XXXX XXXX and XXXX others for the XXXX, and i am very well aware of how much fraud occurs every second of the day. The " MANAGER '' on the phone says to me ... .VERY LOUDLY : " LOOKY HEAR WERE DEALING WITH A XXXX, basically mocking and laughing at me once again. I then Proceeded to ask him not to talk down to me in a manner as such, as I am an Intelligent person, to which he laughed at again. I stated that i am a XXXX XXXX XXXX in a private college, to which he asked " what school are you attending? ", i replied back stating that was not his information to know. Upon making that statement he said and i quote " I have your SS # i can find anything out, and PROCEEDED TO READ BACK MY FULL SS # NUMBER TO ME ACROSS THE PHONE ( ALL 9 # 's ), I further explained that anything can be obtained through the internet now a days. As i am well aware of Customer Service, I know it is Illegal for him to repeat my SS # in full over the phone, Only should the last 4 numbers be read back, or asked of me to read them to him. Not only was this company Beyond rude, they also call at all hours, Calling from numbers they have no relation to, Especially when they are located out of XXXX XXXX. I do n't appreciate anyone talking down to me, especially in a attempt to collect money. I please pray of you to handle this claim as soon as possible, after doing my own research i was able to find other comments made about the Rudeness and Threatening manner in which they conduct their phone calls.
Consumer complaint received 2017-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SUNTRUST BANKS, INC. (WV)

I opened my accoun t with SUNTRUST ba nk in  XXXX  virginia  XXXX  of  XXXX , I have had several instances of fraudulent activities where the bank authorized payments to charges I did not make, usually they would appologize and fix it but this has happened several times.My latest issue with the bank stems from a policy change they failed to tell me about.When I opened the account, I explained I am on  XXXX  and only recieve {$1000.00} a month, so They set my account up that as long as I had {$1000.00} deposited monthly there would be no fees other than the usual overdraft protection.Well  XXXX   XXXX  of  XXXX  they instituted a new policy, and failed to even bother to tell me my policy changed to {$2000.00} in deposits or I would incur a $  XXXX  monthly maintenance fee.I recieved no letter or call stating this fact.I have been fighting the bank for 3 months telling them they never informed me o f this fact.The first two months were fine, they reimbursed the maintenance fees, but the last 2 months, like clockwork Ive gotten the fee, even though they never informed me at all I had to pay.Only way I found this out was to call and launch a complaint against the bank.Not only that I have recently learned I am not the only person they 've done this to.Apparently.they are being sued and this is how they intend to cover their losses.Which not only is horrible business to the point that Im pulling my direct deposit out, Im seriously considering filing a formal lawsuit against them for mismanagement of funds.I will be getting all of my banking documents from them and going to a lawyer this week and see what can be done about their gross negligence and handling of my accounts.
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: ERC (FL)

I recently moved and was trying to open a new utilities account. At that time they advised me I had a defaulted bill and that I would have to pay hundreds of dollars to open an account because of this. Of course, I was extremely shocked and upset to find out that there is a debit on my record from XXXX ; an old account that I had closed YEARS ago! I was not aware that my old XXXX XXXX account had gone into collections. I had paid the account in full, after cancelling it and moving. Now years after the fact, I find out that the old account is in collections. For monies I DO NOT owe them! After all these years, they never tried to contact me whatsoever!
Consumer complaint received 2015-06-29
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC (IL)

I took out a loan with castle payday for XXXX dollars. At the end of that month if I had paid in full I would have paid XXXX. I have paid XXXX dollars for three consecutive months. And at this time I still owe XXXX dollars. At this time I would like you to look into the legality of their practices.
Consumer complaint received 2016-06-02
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (VA)

I was offered a loan of {$800.00} by Big Picture Loans. I called and inquired and was told by the representative that the finance charge was {$280.00}. I even clarified with the representative that was the total amount of finance charges that I would see. Since taking this loan they have taken out 2 payments of {$280.00} within a 2 week timeframe and NO money has been applied to the loan balance. So they are basically charging me {$560.00} interest monthly for an {$800.00} and I was not made aware of these charges. I did n't receive the TIL until the loan was already processed