davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-27
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION (VA)

I had a long standing credit card with BB & T that was opened because liek XXXX XXXX XXXX BB & T had pushed their employees to open credit cards for customers. It was fine, I used it for a while and then decided to stop using it because I did not like BB & T customer service or fraud protection. I let BB & T know this and suddenly my account was closed due to suspected fraud. There had not been any charges on it for months and it was being paid, so I have no idea what the " suspected fraud '' was and BB & T will only respond with nonsensical answers to that question. The truth is that most likely it was in retaliation for my conversation with customer service. I do not care about the account and had planned to close it anyway. The problem is that it is derogatory in my credit report now because it is showing a balance due and closed by the issuer -- that is a red flag and it has delayed my mortgage application. I alsed BB & T to simply remove it and XXXX XXXX of BB & T falsely claimed that they are required to continue reporting this by the Fair Credit Reporting Act. She also included letters that were supposedly sent to me about the suspected fraud, but given that there were no charges on teh account, again -- I have no idea what they are talking about. It is clearly a XXXX attempt.
Consumer complaint received 2016-02-11
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (FL)

After being contacted with a postal mailer and e-mail, I responded to the advertisements and called to start a loan to improve my residence. I informed the person I spoke to, XXXX XXXX, that I needed a HUD XXXX loan to do the improvements. Instead she put me on track for a loan where I had to make the improvements before I could close the loan. The company 's action in trying to steer me into a loan that did not meet my needs was deceptive and time consuming. It almost locked me into a loan that did no meet my needs. After I rejected the loan they were misleading me into, they posted a letter to me claiming that I was turned down for the loan because I refused to provide credit information. That is untrue as I provided all such information and they had already issued me an approval letter. This has cost me time and as rates are increasing, significant money as well.
Consumer complaint received 2015-08-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION (KY)

I never went in and signed any paperwork to start this account. Everything was done online. Once I realized that they had opened the account I ask them to close the account because my job did not offer direct deposit and they never did close it so the fees for not having direct deposit added up and now they are saying its my fault. I ask them to close it.
Consumer complaint received 2015-09-16
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (FL)

The bank became what she thought was her answer that bank and loan companies are now not around so she took the reverse morg. it was either that or lose the house I do not feel that was fair. Now the government owns my home and XXXX XXXX Florida just put in city water when we all had great working wells and is charging each home owner XXXX XXXX to pay for it I am XXXX there are so many people leaving cause they can not afford it and when my daughter when to the meeting she was removed twice for talking about how unfair this was ... the city is now putting in a giant pool which they toss out that the idea over money now all the sudden its being put in the city water was voted in the summer when winter residents were not here to have a input we pay XXXX to get over our bridge and yet our gov. took XXXX of XXXX money to pay off a civil suit he lost ... that would put alot of water in is there anything I can do
Consumer complaint received 2015-04-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION (AL)

I am writing because I agreed to allow XXXX be my home insurance provider in XXXX XXXX at a set quote of total around {$1300.00} for XXXX XXXX XXXX. In XXXX XXXX, XXXX hired a XXXX party to do an " inspection '' or " to access '' my house. The XXXX party did not do a good job and misled XXXX on my insurance policy. XXXX then increased my policy to more than XXXX of what it was, without due process not notifying me. This has caused for my insurance company to add an additional {$200.00} per month to my mortgage per month, for the period of XXXX XXXX XXXX XXXX. I am about to go into foreclosure because of this. I have contacted XXXX since I received the XXXX party evaluation and they refuse to correct this. The evaluation stated that I have XXXX garages and XXXX doors and other mistakes which led XXXX to believe that they should XXXX the policy. However, the evaluation also included pictures of my house which proved otherwise. I have contacted XXXX and they are telling me that based upon the sq footage that they received from the XXXX party that my policy was wrong, but I was not told of this from XXXX until XXXX XXXX. I need a refund of the " new amount ''.
Consumer complaint received 2023-01-31
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dunlap Gardiner LLP (TX)

To Whom it May Concern ; This letter is being sent to you in response to the account ref in my the attached correspondence. When asked, your office replied that the dispute regarding the validity of the debt is not raised within the prescribed time period therefore, the same is furnished in your Report. According to 15 USC 1692a. ( 5 ) The term " debt '' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. Further according to 15 USC g. ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer Therefore, I would like to inform you that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability. I further request you to kindly remove this alleged debt from my Report Thank you for your cooperation Sincerely XXXX XXXX
Consumer complaint received 2016-11-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (CA)

The credit reporting agencies will eliminate the reporting of debts that did not arise from a contract or agreement by the consumer to pay, such as tickets or fines credit reporting transactions listed as unacceptable data ... Examples include, but are not limited to : towing charges, vehicle storage fees, parking and traffic tickets/fines, toll road fines/fees. '' " Do not report debt that did not arise from a contract or agreement to pay, including, but not limited to, certain fines, tickets and other assessments, '' the credit reporting agency document explained. " For example, library fees or fines, parking tickets, speeding tickets, and court fees or fines. " Motorists with existing red light camera, speed camera or parking ticket debt on their credit report can expect that their records will be cleared. Under the legal settlement, consumers have new rights to dispute incorrect items on their report. 
Traffic Tickets and Government Fines Will Not Appear in Credit Reports Cities and counties often refer traffic tickets and government fines to collection agencies, or sell them to debt buyers. Currently, collection agencies and debt buyers report these tickets and fines as " debt '' to the CRAs.CITY OF XXXX XXXX Account # Beginning in XXXX 2016, CRAs will no longer report debt that " did not arise from any contract or agreement to pay, '' such as traffic tickets and government fines. 
I have XXXX paid parking tickets on my experian credit report that should be deleted based on this new policy. 
CITY OF XXXX XXXX Account # XXXX CITY OF XXXX XXXX Account # XXXX CITY OF XXXX XXXX Account # XXXX CITY OF XXXX XXXX Account # XXXX I have called repeatedly to talk to a supervisor and have left several messages as the first level customer service agents have no idea about there own policy! Nobody has bothered to call me back.
Consumer complaint received 2016-03-01
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CO)

Sirs, I recently tried 2 make a cash deposit 2 my XXXX mother 's acctXXXXChase.She recently reopened her acct there & cash gets immediate credit.The teller refused my deposit.I explained my mother was ill & needed the funds & that I make regular cash deposits twice/mo 4 her maintenance.They still refused cash & offered no resolution other than 2 say I could either B on the acct or bring a check.Requiring I B on my mother 's acct. is an invasion of her privacy & a violation of her 4th Amend. rights via Chase 's commitment to the government. It is also discrimination against the poor and the elderly. I asked why Chase imposed this policy & was told it was due 2 money laundering. Implying that the average customer is suspected by Chase of criminal activity.I 'm a retired banker & know the regs. Currency Transaction Report ( CTR ) information is for $ XXXX & I was depositing $ XXXX.I asked 2 speak 2 the branch mgr & the lead teller lied 2 me stating she was the mgr.So, I went back 2 my credit union a 2nd time 4 an official check.My credit union provided me w/a business card asking that the Chase representative phone 2 verify funds so my elderly mother could receive immediate credit.A XXXX Chase branch refused to verify funds & put a hold on {$50.00} of the $ XXXX.His explanation was Chase 's commitment 2 the government.What about the Chase commitment 2 its customer base ; taxpayers who bailed Chase out & customers Chase still has not yet repaid? The Chase commitment 2 the government impacts millions of elderly around the country who R dependent on their adult children 2 subsidize their income.Why should those adult children also B required to invade their parent 's privacy to assist them? Additionally, Social Security has not had a cost of living increase in 3 years! My mother & XXXX other Chase customers R being adversely impacted by the unreasonable Chase policy which is NOT the regulation or law but is a result of their own lack of oversight regarding their own employees within their own company. I also live in CO ; XXXX state.If money laundering had been the case ; I can assure U the deposit would have well exceeded $ XXXX.I do n't appreciate the implication that my XXXX year old mother & I are criminals nor do I appreciate the absolute lack a good judgement & common sense in customer care.I have destroyed my Chase credit card and mailed it to CEO XXXX with this information and will be suggesting to my XXXX mother that she move her account. This is difficult because of her age and XXXX. This is not common sense banking nor good customer service NOR IS IT THE REGULATION OR LAW.
Consumer complaint received 2016-06-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NM)

My loans are with Navient. They are a fixed amount for 25 years. I have been paying through autopay and have never missed a payment or been late for 8 years. I just received an email stating my loan was reviewed and the loan was " underdisclosed ''. They told me my payments would increase so that the loan would be paid off on time. We have a signed contract with fixed payment amounts and I do not believe they can legally increase my payments. Of course if I do not pay the increase I will be deliquent. Talking to them has been very vague and incredibly not helpful. If this is even true, it is not my problem that it was miscalculated. We have a contract. What can I do?
Consumer complaint received 2016-08-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (OH)

XXXX XXXX charged us incorrectly for our XXXX visits. We had explained prior about this issue and they did not want to work with us. They forwarded the debt to XXXX and XXXX demanded {$600.00} per month which would have made us homeless and starving. I also explained to XXXX the problem and were unwilling to work with us, called several times a day, even 2 to 3 times in one hour. They forwarded our debt to an attorney ( XXXX ), was told they figured a deal, was only made aware of XXXX account and was supposed to be paid off XXXX XXXX, was told the accounts just showed up out of no where. XXXX XXXX was supposed to charge the VA medical center in XXXX for my XXXX visit. I am a XXXX vet. They also put my daughter as my husbands spouse with the wrong birthdate. Husband and daughter were charged for procedures not done.
Consumer complaint received 2017-01-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (NY)

I was contacted by XXXX, XXXX thst I owed quite a large amount to XXXX the debt collector informed me he was able to make a settlement to clear the account. Two days letter he called back and gave me a figure of {$670.00} I gave him a check he claimed they deal with XXXX in regards to this settlement I got a letter that I still owed and called tranworld and said it takes time. Two months ago I get a large bill from XXXX suspending my registration I called XXXX they never made a settlement with them I have been trying to get the correct information from transported but the run around this is very dishonest and they are still trying to make like they want to help And today tried to make me a new settlement my lively hood is needing cars to go to work. I feel they pulled a number in me since they tell u anything to make a commission and I want my money back with interest. Please help this is a hardship for me and terrible that you put trust in a world wide company to do this not to me but lots of others.
Consumer complaint received 2017-02-10
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Grant & Weber (AZ)

GRANT & WEBER has placed a derogatory account on my credit profile without my authorization which has violated the FDCPA. To my knowledge, I do not owe GRANT & WEBER any alleged debt and would like them to provide proof of claim with authenticated verification. GRANT & WEBER has placed this alleged account on my credit report to intentionally cause harm to my pursuit of happiness by affecting my Consumer transactions for personal, family and household purposes.
Consumer complaint received 2016-09-22
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF THE WEST (FL)

I have an extended fraud alert on my credit file as I 've been the repeated victim of identity theft since XX/XX/2016. Despite this fraud alert an individual at Bank of the West was trying to secure an auto loan for a XXXX Chevrolet Corvette from XXXX ( XXXX XXXX XXXX XXXX , XXXX, IL XXXX # XXXX ) and did a hard pull on my credit report on XX/XX/2016. As is standard when authorizing a hard pull on an individual with a fraud alert, the individual at Bank of the West should have made outbound calls only to verify my identity and proceed with the pull, but instead either accepted an inbound call or did a pull without my authorization speaking with the criminal using my identity. This violates the fraud alert and compromises my identity and safety even further. This employee of Bank at the West acted negligently and Bank of the West needs to immediately work with XXXX and have this inquiry on my credit removed. I 've filed an additional police report with local law enforcement an reached out to the XXXX Police Department two times now.
Consumer complaint received 2016-05-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: AFNI INC. (TN)

In 2012, we got XXXX services and had lots of problems with it working correctly. After numerous calls to them without anything being done to fix the problem, we wanted to cancel the service. XXXX XXXX XXXX representative told us that they would send a return box for shipping the XXXX equipment back to their facilities and we would not be charged any bill or fees. They later turned it over to a collection agency when I contacted the collection agency I was informed that XXXX XXXX XXXX pulled it from them, which later I found out they had turned it over to another collection agency. The collection agency representative was not nice at all, telling us to pay this account in full or face criminal charges. This is not a good way of conducting business. I will not recommend XXXX XXXX XXXX services to anyone.
Consumer complaint received 2016-03-02
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Optimum Outcomes, Inc. (NC)

This debt was paid by NC Medicaid. Please have Optimum Outcomes Inc. review their files notify any credit reporting agency they have reported this item to to delete any item associated with this account # XXXX {$390.00} date XX/XX/2013.
Consumer complaint received 2015-12-06
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: DISCOVER BANK (NY)

DISCOVER FIN SVCS LLC ACCOUNT # XXXX IS NOT MINE, but XXXX refuses to remove from my account. This is my last attempt as to getting this removed, the next step will need to be the FTC then the courts. They are under XXXX XXXX that is not me or under XXXX XXXX XXXX that is not me, or under birthday of XX/XX/XXXX, THAT IS NOT MINE EITHER. 
PLEASE REMOVE
Consumer complaint received 2017-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: MOHELA (MA)

XX/XX/XXXX I am again writing about my high irest and high principle on my student loan from MOHELA. I am writing about the fact that the principle has doubled since the inception of my loan. I am writing because I think the interest rates and the enormous of money I now owe is completely unfair. 
For me, this began with a collection of student loans XX/XX/XXXX. I attended graduate school with the loans. I suffered a bankruptcy and a divorce. My loan as of XX/XX/XXXX was {$55000.00}. It now totals {$97000.00} because of an inability to meet payments and a series of forbearances. Forbearances that MOHELA encouraged me to do. I believe that I have never made a late past XXXX day payment. I have never been reported to the credit bureau in my payment history. I have never defaulted on this loan. I have been paying direct loans and MOHELA {$450.00} a month for quite some time which I had met every month on time. As of XX/XX/XXXX I began making a monthly payment of {$760.00}. My interest rate is XXXX %. Why can I not lower my interest rate to a reasonable level like my mortgage which I was recently able to lower XXXX %. That along with a reasonable student loan payment will allow my family and I to pay our bills. I work XXXX jobs. My wife works. I have my own student loan, a child and a step child with student loans. I have a family of XXXX living in my house. I have a huge interest rate with MOHELA not to mention the fact that my loan payment has increased to a value of {$97000.00}. 
I do not think my interest rate is fair. I do not think it is fair that I am paying {$97000.00} for an education that actually cost {$55000.00}. I have shown that I willing to pay in a responsible manner. I pay every month and I pay on time. It is not fair that I have this enormous amount of debt that exceedingly surpasses what my initial principle balance should be. It is not fair that others are having their loans forgiven and or the idea that legislation is talking about free tuition for state schools. 
I have written letters to politicians that have attempted to help me. XXXX such advisement was from the office of XXXX-Ives telling me to contact a " XXXX, Ombudsman '' who apparently has not been interested enough to speak or write to me about my complaint. 
I am asking you to help me with this matter. A matter that I have asked MOHELA to address. A matter that MOHELA could obviously care less about. It is completely unfair that I am being asked to pay DOUBLE the amount owed for my education. That is pure greed. All MOHELA wants to do is to make as much money as they possibly can from me.
Consumer complaint received 2015-08-22
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BOK FINANCIAL CORP (NM)

By virtue of a single transaction larger than usual I had forgotten about a small transaction that had not yet cleared. These transactions ( one for {$1600.00}, the other for {$70.00} ) both cleared on the same day resulting in an overdraft for which the charge was {$34.00}. That seems high, since it was the XXXX instance since opening the account about fourteen months ago. Inquiring if an overdraft protection procedure was available, i learned that another checking account could not be used since the other account was a commercial account, but that a savings account would serve this purpose. No mention was made of any charges involved. It took about a week to get a savings account established, and to see how it would work, I again over drafted the personal account. It worked fine, but resulted in a {$13.00} charge for the service. This seems unreasonable. My sense of these transactions is they both were driven by software without any human effort required, which makes me think I 'm paying for service that I 'm not getting.
Consumer complaint received 2016-06-06
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: BlueChip Financial (GA)

XXXX XXXX XXXX, claiming to be an independent processer- -in conjunction with XXXX County Georgia , has been leaving messages on my cell stating that I need to call him to verify my address in order for him to serve me legal documents. He 's also been calling my mother and other family members- -My mother is XXXX years old. On XXXX/XXXX/XXXX, XXXX XXXX XXXX called from XXXX XXXX XXXX stating that he too needs to verify my address and schedule a delivery of legal documents. He called from XXXX, but stated that I need to return his call to XXXX ; which happens to be the same phone number that XXXX XXXX XXXX is calling from. Because these calls sounded very suspicious, I googled both caller names and phone numbers and found that these gentlemen are " intimidators '', so to speak. Upon returning their call, the consumer is transferred to a payday loan collector. Therefore, I suspect that the calls to me are for the payday lender Spot Loan. I borrowed from them in XX/XX/XXXX and repaid nearly twice the amount of the principal. After learning from a credit counselor that I had overpaid this loan and that the lender is illegal in Georgia, I took action and stop paying them. I sent them a cease and desist letter by certified mail. My letter included a detailed explanation of my non-intent to render any further payments.