davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-31
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION (GA)

My daughter was allowed to open a checking account as a personal account at the age of XXXX, without a parent or guardian being required a co-account holder. I was with my daughter when the account was opened and i specifically asked if this was permissible and was told by representative that it was. Her account fell negative multiple times and over a period of less than a year had been charged many many Insufficient funds charges / fees. Where as a parent i felt i was not given the notifications i should have been receiving to coach or even intervene on her behalf but was not allowed because she was the only XXXX named for this " XXXX Account ''. I feel XXXX % the representative did not fully disclose information that made these things clear, and i absolutely feel that despite i was present when then account was open that someone should have disclosed to me in writing with my signature that " I her parent '' was relinquishing my rights to represent my child by all definitions " a minor ''. We have since sought services from another banking institution which is where i learned that by our governed law in the state of XXXX she must have someone over the age of XXXX on a checking account with her as a co-account holder. I feel very cheated by BB & T and i am requesting all her funds be returned to her and that any and all reflecting negative marks that would affect her credit history be stricken from this account.
Consumer complaint received 2015-10-07
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (MI)

I applied for a loan through XXXX XXXX Bank and was given a pre-approval. Quicken Loans underwrites their loans. Once in underwriting, I was asked XXXX times why I was moving from my home with my husband. XXXX, requesting my answer in writing and XXXX by phone, on a recorded line, directly from the underwriter. My answer was consistently the same, that this property would be my primary residence. 
I was told that I could n't use money from my business account because the business was filed on my taxes as a partnership between my husband and I. I proved that I was the sole principal on the business. 
Then I was told that the mortgage would not be approved until I gave them a date of when my old rental property was charged off by the Lender. I got this paperwork too. 
By this time, we were two weeks post my original closing date. The earnest money deposit, inspection, and appraisal had been completed for three weeks, the underwriter then told me without a divorce decree or a legal separation agreement, they would not be able to complete the loan due to this being a " primary residence '' property. This was the first I had heard of these documents being needed. All parties were aware that I was married and no one told me this until I had spent {$1200.00} on the above fees and now no one will address how I can get my money back or what I 'm supposed to do about starting all over and finding a home with {$1200.00} less in my budget. To make matters worse, Quicken Loans sent my lender a denial letter stating that the reason was, there were credit issues, slow pays and delinquencies. This is a lie and had never been addressed during the entire process. This home had equity in it and I want something to be done about my huge loss.
Consumer complaint received 2015-09-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (AZ)

I have been calling GreenTree/DiTech literally for years, regarding having my mortgage, which has never even been late, released from bankruptcy. My co-borrower is the bankrupt party. I was told months ago that my account was approved for release, but the then representative, XXXX XXXX # XXXX, who is now the " supervisor '' never ever returns my calls or does her job in having this account released. When I called requesting to speak to XXXX 's supervisor, I was told that I can only be transferred to XXXX working on my file or to XXXX, the inept supervisor. So I am filing this claim in the hopes that someone at DiTech will actually do their job.
Consumer complaint received 2017-02-21
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC (WA)

was sent a letter offering to take XXXX dollars a month for 12 months so i agreed to this and it took over 2 weeks to even get a letter showing i was under this program. then the day before i ws to get the letter from them they sent it to another collection cmpany to try to get full payment for it. when i called them about this i was told at first it was a mistake nd to call another number to have the pull it when i called it i had a hard time understanding the lading i was talking to so i asked to speak to a supervisier and that lady hung up on me while i was tring to explain what had happen to her and when i called back i was told to deal with the other collection comany
Consumer complaint received 2016-10-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

Ditech adjusts my bi-weekly payment to be short of a full payment, sometimes as little as {$0.00}. I currently am set-up to make 1 full payment every other week. In addition there was XXXX occassions wher there was a reallocation and the amount of the principle increased and the payment went to unapplied funds.
Consumer complaint received 2016-03-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

Our latest mostly statement shows a deferred p and I in the amt of XXXX and when I called and asked what this was about ditech could n't tell me and said it was a mistake and to disregard it. When I asked for something in writing stating what they had just told me for my records I was told that they could n't give me anything in writing only that it had been noted in our acct.
Consumer complaint received 2015-03-31
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. (TN)

I pulled my credit report and discovered that this company has reported that I owe them a debt but I never received a letter from them prior to them placing it on my credit report. My rights under the XXXX section XXXX ( a ) were violated.
Consumer complaint received 2015-04-22
Product: Credit card — 
Issue: Transaction issue — 
Company: DISCOVER BANK (TX)

When I was late with payment to Discover, a representative called and got me to schedule a payment on my next regular payment date. Still underemployed, I ca n't afford to make the payment this month. The Discover web site says " Payments made online or by phone must be edited or canceled by XXXX XXXX on the payment posting date for changes to take effect. ". Since I arranged this payment by phone, I assumed I would be able to cancel the scheduled payment on the payment posting date, but the representative claimed she could not cancel it. Now I 'll have to pay my bank {$35.00} to stop payment. The information from my bank details this payment as " Phone Pay '' The following is transcript of chat with representative : XXXX : at XXXXXXXXWe submit the payments electronically to your bank on the date the payment is scheduled for. Once submitted, your bank takes over the payment and depending on how they process the payment will determine when the payment will hit the account. We do not have control over this. 
you : at XXXXXXXXThe web site says " Payments made online or by phone must be edited or canceled by XXXX XXXX on the payment posting date for changes to take effect. '' I find it hard to believe this payment ca n't be edited or cancelled also, since today is the payment posting date. 
XXXX : at XXXXXXXXYour payment was scheduled by a representative, not through the website. 
you : at XXXXXXXXThat does n't explain why you, a repersentative, ca n't cancel it. 
XXXX : at XXXXXXXXThe payment has already been processed. Once processed, they can not be canceled.
Consumer complaint received 2016-10-11
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: M&T BANK CORPORATION (PA)

My husband and I have been with M & T bank since they came to our area. We are deeply in debt, but have NEVER missed a payment. I was laid off XX/XX/XXXX and lost my Health Insurance.I then learned I need a new hip. I had to quit my job. While I have found a XXXX % discount on the Hospital bill, it will still be around {$10000.00}. ( Sorry about this info, it just explains our current situation. Our savings are gone. My husband 's XXXX is gone. We have figured out a way to regroup, but we need a couple months. In the course of communicating with M & T bank since XX/XX/XXXX, I have made 9 phone calls. I have gotten Numerous different responses about re-aging two months payments on our Home Equity Line of Credit payment. These calls are all recorded by them. I learned that it 's possible to get Two months payments re-aged. However we can only get one month. I asked why and was told by various people that XX/XX/XXXX payment did n't count, then that XXXX 's did n't count and finally today that XX/XX/XXXX does n't count. I want to know why we ca n't get two months re-aged. Mind you, we have Never missed a payment until now. I asked to speak to the Supervisor, XXXX XXXX I was told I was being transferred to her. Surprise, Surprise - I got her voice mail. I have been trying to deal with this since XX/XX/XXXX. I know we are n't important as customers and that it 's all about money. If I can only get One month re-aged, I at least deserve a clear and coherent answer as to why. Why are they doing this to us? They really do n't want our house. I 'm not a stupid person. I 've never been jacked around so badly in my life. This is hard enough to deal with without such nonsense. I truly hope you can help me.
Consumer complaint received 2016-12-02
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION (VA)

I applied for loss mitigation help with M & T Bank. They denied the request because I had a short term lease that became month to month. They said this was not stable income. 
I reapplied with a new year long lease and they say they will not look at the application and I am not able to reapply until XX/XX/2017 with no reason for this provided.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (WA)

I took out a loan for my daughters education prior to XX/XX/XXXX. The Loan amount was {$7200.00} that I got approved through my local Credit Union. 
I have struggled with employment since then and had to file chapter XXXX bankruptcy twice with the last in XX/XX/XXXX. I listed the loan in each bankruptcy and was told the loan could not be forgiven. Over the period of the loan I have been granted forbearance at different times. 
My Loan was changed on XX/XX/XXXX to a lower interest paying off the original loan which I had paid {$2700.00} to that point. Since then I have paid {$6200.00} for a total paid over time of {$8900.00}. They say I still owe over {$4000.00}. I am XXXX years of age and on only Social Security. 
I will struggle at best to pay this loan and do not understand why I owe so munch.
Consumer complaint received 2016-05-03
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: BARCLAYS BANK DELAWARE (PA)

The XXXX XXXX Credit card was owned and managed by XXXX XXXX. I was at one time an XXXX XXXX XXXX XXXX. I canceled my XXXX XXXX credit card several months ago. Apparently, the XXXX XXXX card has recently been purchased by Barclaycard. Without asking, Barclaycard sent me another card, on the account that I had canceled. I did not activate this new card or reopen a new account. My prior account had already been closed and canceled by me. 

Barclaycard is now saying they will charge me an annual fee on this new card - the one that I canceled and never reapplied for. Basically, they are starting a line of credit in my name, that has an annual fee attached, without asking, and on the basis of an account I had previously closed. I will call and cancel the already canceled card once more, but I should not have to take time to do this again. Additionally, how do I know they will not reactivate my account again without permission? Please address this unethical, and I assume illegal activity.
Consumer complaint received 2015-10-19
Product: Credit card — 
Issue: Payoff process — 
Company: BARCLAYS BANK DELAWARE (GA)

I have a UPromise MasterCard. On XXXX XXXX, 2015, I made a payment over the phone from my bank account to pay off my entire current balance on my UPromise care, a little over {$9000.00}. 

By their records, the payment was processed the next business day XXXX XXXX. 

However, even though they have processed the payment, they will not clear my account and are continuing to charge me interest until XXXX XXXX at XXXX! 

The UPromise agent I spoke with over the phone was unable to explain to me the rationale behind this. This seems like an immoral if not illegal practice to take payment, hold both my money from the bank and to charge me interest for a week. 
That dollar amount is too small to financially be worth my time in small claims court, but if UPromise is doing this to other credit card holders, they stand to make a pretty large sum of money.
Consumer complaint received 2017-02-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: Conn's, Inc. (MS)

I bought a XXXX washer and dryer set plus a XXXX refrigerator and a stove. The washer stopped working about 3 months ago. I called Conn 's to get it repaired. They sent out a technician to fix the recall but not the washer. The technician stated hat there was no work order to fix the washer but he would but one in. So after a month we called them back to see why they have n't fixed the washer. They said we will have to call XXXX because it 's still under warranty with them but that warranty expired in XX/XX/XXXX. The warranty with Conn 's was valid til XX/XX/2017. About going back and forth with Conn 's they stated hat the washer could not be fixed. XXXX said that we had to fill out paperwork to get our refund for the washer. I did everything that XXXX wanted us to do. Conn 's still want me to pay for the washer that do n't work. They call my house and cellphone all hours of the day and night. Just the other day they called at XXXX. That 's too late for anyone to call about a bill.
Consumer complaint received 2016-10-05
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (GA)

My wife had added me as an " authorized user '' on XXXX department store credit cards. Unfortunately, she lost her job and subsequently had to file bankruptcy. The department store 's credit card company started hounding me to make the payments. I explained to them that I was not the account holder but just an authorized user. They continued to hound me so I asked for proof where I had signed an agreement to pay the credit card bills. Of course, their reply was that there was no proof where I had signed such an agreement. I then asked them to stop writing or calling me but they continue to do so. What can I do to stop this harassment? They have also reported this to the credit bureau which has ruined my credit.
Consumer complaint received 2016-10-02
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (IL)

My husband and I had a very strange experience when applying for a Walmart card through Synchrony Bank. We both applied for an account on the same date. On my account, they completely misspelled my first name. On my husband 's account, they used his SSN, birthdate and credit information, but they put the account in my name in error. I emailed customer service three times on XXXX/XXXX/16. They instructed me to have my husband call in to their help desk, so he did that on XXXX/XXXX/16. The customer service rep, XXXX, spoke to both of us. She can see that the account is incorrectly entered under my name, even though it is most definitely my husband 's account, but she refused to correct it. Despite the fact that they have his credit report and the application he submitted on file to prove the owner of the account, they are refusing to remove my name from it. I feel that this constitutes fraud, because they know it is under the wrong person 's name, but they will not remove my name from the account. I am at a loss as to how they could have a glitch so big that they would mess up both accounts opened for my household.
Consumer complaint received 2017-03-14
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL ()

Synchrony Bank issue - I paid my credit card bill early and the credit card company is listing my account as being late and sending harassing certified letters to my home. I have called once and was assured by a representative that it was solved. The next day yet again another certified letter for the same account and reason. I called the company and the only thing I get is we are sorry this is unacceptable business practice and borderline harassment from a creditor to a consumer that is paying their bill on time if not earlier than due.
Consumer complaint received 2016-10-19
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (AZ)

Questioning my jcpenney account/synchrony bank. I contacted customer service on XX/XX/2016 .they replyed on XX/XX/2016 with stupid answer about interest and rates. there is fluctuation of payments.XX/XX/XXXX $ XXXX-XXXX. XX/XX/XXXX $ XXXX-XXXX.XX/XX/XXXX $ XX/XX/XXXX-XXXX. XX/XX/XXXX $ XXXX-XXXX. I have not used card in a year. balance keep going up instead of down. started with $ XXXX.I have not missed any payments ever. started account in XXXX.since moving to az there have been XXXX with account. I refuse to buy anything from jcp.why pay account out you do n't know the balance.the ceo XXXX XXXX XXXX is no help. This is what discourage consumers who make timely payments. please, please help with fluctuations of payment.bill should be going down. addition of more interest and days than should be.this may not be of interest to some, but I have heard from some other customers the same problem to cook books. 
I do have jcpenney credit card, but will not use it.I was sent information last time when XXXX XXXX became ceo. nothing new.I know interest rules.
Consumer complaint received 2017-01-17
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MONEY SOURCE, INC., THE (AZ)

My payment has been paid on XXXX/XXXX/2017 which was mailed on XXXX/XXXX/17 and still as of XXXX/XXXX/17 my payment has not been posted to my account, and been advised I will get late fees even though im still under RESPA protections. also the sub servicer XXXX would not admit that the loan is serviced on behalf of The Money Source. so the whole process ive been lied to and no help resolving this.
Consumer complaint received 2016-07-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LD Holdings Group, LLC (MA)

I closed on my house on XXXX XXXX, 2016 using Loan Depot LLC as my mortgage provider. Near the XX/XX/XXXX, I submitted my first payment of {$2100.00} via check to Loan Depot. After I sent the check, and a few days after, I received notification my payment had been purchased by XXXX. My check was cashed as a debit transaction on XXXX/XXXX/2016, and when I called to see why that was the case, nobody on their end had me in the system, nor did they have my address in the system. Despite numerous calls and emails, I have not gotten a response, and my call this morning was actually hung up on mid converstaion.
Consumer complaint received 2015-11-17
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL (TN)

My wife and I were at a hotel in South Dakota, and the next morning the phone rang and the caller said they were the front desk and there had been a computer malfunction, and they needed her card number again. SHE gave them the card number, as I walked into room. She told me what I happened and I immediately went to hotel front desk, figuring she had been scammed. We called the credit card company immediately, to report the fraud. and there was {$2800.00} billed to our card already.We received a letter, from Syncrony fraud division, we filled it out and sent it in. We thought that was the end of the issue. Today I received a letter From Synchrony stating the fraud was our fault and now we owe them the {$2800.00}. My understanding is they are not following the law themselves, by trying to get consumer to pay for the fraud
Consumer complaint received 2016-03-23
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL (NC)

XXXX, 2015 received a bill for {$40.00} from Phillips 66 serviced by Synchrony Bank. I paid it on time electronically ( bill pay service ) but it went to the old credit card number. Synchrony continues to add finance charges and ask for more info. I have faxed a copy of my bank statement. My bank has sent a letter showing proof of payment, later ACH numbers to show where payment came from and where it went. My bank, myself and Synchrony engaged in a conference call and now they want 3 months of bank statements. Enough already! I am not sending 3 months of statements. This is all a ploy to wear me down. The old servicer of this account ( XXXX I believe from my bank 's research ) has probably forwarded payment. Synchrony wants me to call XXXX. Synchrony should do the research from all the data we have provided them and issue a statement to the credit bureaus to clean up any adverse reports about me. This account was paid and should be credited as such..