davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION (FL)

My husband and I purchased our home in XXXX 2013 and our mortgage servicing was transferred to BB & T. BB & T has been completely negligent in how they have handled our escrow account and our loan servicing, in general, and has cost us an immense amount of time as a result. They applied a payment incorrectly, only to re-allocate it when we received a collections call and disputed the alleged missed payment. They have also mismanaged our escrow account and, as a result, we believe that they have not given the full refund required under RESPA. They have overstated the premium paid for flood insurance despite our providing them with notice of the error in their records. BB & T has also made a practice of harassing us for alleged insufficient insurance coverage, even though our insurance coverage has always exceeded the XXXX of our loan as well as our property value. After spending countless hours on the phone they finally advised us that BB & T has an undisclosed policy that homeowners ' and flood insurance coverage amounts match exactly. We have corrected the difference and BB & T is still harassing us with letters claiming that we have insufficient flood coverage and threatening to purchase force placed insurance.
Consumer complaint received 2016-08-21
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION (GA)

My father passed away on XXXX/XXXX/2016 and I 'm the sole beneficiary of his estate, according to his will. He had number of contracts business in XXXX, Virginia with XXXX, ( XXXX XXXX XXXX. XXXX XXXX XXXX ) that were registered with State Corporation Commission ( SCC ) in XXXX, Virginia. He had filed his taxes for the registered business for the last 10+ years as a sole proprietor. For the said businesses he had opened bank accounts with one of his employee as a signatory. 
Upon his passing, with the help of the bank manager, his employee removed his name from the business accounts and declear them as hers by presenting false documentations, if any. 
I and the Executor of the will have tried over the last 6+ months to get the bank to cooperate with us and grant us access to the account so we can pay his final expenses and his taxes etc,. We have provided the bank with all necessary legal documentation needed to honor the request, but in vain. 
The bank continue to give the employee ( XXXX XXXX ) access and honor deposits and withrawl under a forged signature. The employee who claim this to be her business or account, She has never registered this business in XXXX county or with the State of Virginia or has paid / filed business taxes for this business. 
She has lied to the SCC and has produced false documentation, her being a survived spouse. 
I ask you to help me get access to what is mine by law. Below are the info about the bank and accounts. 
BB & T XXXX XXXX Account XXXX XXXX XXXX XXXX ( Deceased ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX. 

Thanks
Consumer complaint received 2016-04-19
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I was contacted and left a voicemail by the same person three times in one week claiming to be XXXX XXXX representing XXXX. She stated on the voicemail, she was contacting me regarding legal complaints that are stemming from XXXX, that is attached to my name and then she stated the last XXXX numbers of my social. ( XXXX is my bank. ) I contacted my bank. They did not know anything about this. They put more security on my account deciding this could possibly lead to identity theft. Then I received another voicemail from XXXX XXXX, this time more information. She stated she was contacting me in regards to a check and fraud charge, that they have been asked to file against my name and social security number. Then by the third call XXXX XXXX left a voicemail that she received several legal complaints in her office regarding fraudulent allegations that are attached to my name and social security number. This was very upsetting because I did n't know who, XXXX was, and XXXX XXXX stated in the first voicemail that my bank, XXXX, was where the legal complaints were stemming from. My bank stated they do not have any legal complaints out against me. So she was lying. I was tired of the constant threats on my voicemail. I called the number XXXX to contact XXXX XXXX. She wanted my name, I stated I would just give my phone number. Then I waited and there was silence. So I just began speaking, " I would like you to stop contacting my number ... '' but before I could finish she started screaming at me that this was Ace Cash Express! So I said, " What is XXXX? '' That is who she said she represented in all of the voicemail 's. She said, '' They were going to file fraud charges against me, but was yelling at me and very unprofessional altogether. I could n't get a word in. It was verbal abuse, and I was n't going to take it. I ended the call. My phone rang and it was the number I called. She was calling back and I did not answer.
Consumer complaint received 2015-10-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc. (AZ)

We were told by XXXX XXXX XXXX that our service would be credited for the month prior to our move and cancellation, But instead I did n't owe a dime and now I was sent to a collection company for a service not recvd.
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)

It is showing that I have a bill from charter communication in XXXX tn from XXXX and I have lived in XXXX TN since XXXX. I 've never had charter communication.
Consumer complaint received 2017-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (IL)

To whom it  may  concern I  XXXX   XXXX  Submitted a payment on  XXXX  Ally financial which is my car payment, I made a at deposit that day at night around  XXXX  pm as I previously was told that I need it to make a deposit that day to avoid any fees or over drawn fees, so I made a deposit of  XXXX  than an additional  XXXX  dollars that same night and I printed a receipt that night and I was current and that was the reason why  XXXX  went on the  XXXX  of  XXXX  to deposit the rest of the money to avoid any fees and so I was current. I was n't negative anymore that night as I covered the full amount negative. I was back on track.   The next thing I know is that chase has charged me a fee for insufficient funds.??? Why if I made the deposit that same day to avoid fees. Before midnight unfortunately I was at work and could not get out until my time to finish my shift. But I deposited the money before midnight and I was current the next day  XXXX  found out that  XXXX  gave me that fee of  XXXX  o   XXXX   Makes no sense. I deposited the money that same day.   And the amount that I deposited cash seems to still be pending??? It should n't still be pending it 's cash heloooooo.  XXXX . It should have taken action and effect immediately that day to avoid charges and insufficient funds. Also we have a different time frame.   Why is that deposit still lending as of today   XXXX   XXXX   when it was cash not a check.   I am very upset and are thinking about leaving chase sometime soon. I 've had problems in the past with a personal check that atilano  XXXX  gave me but I do thank  XXXX  because that was successfully fix and solved.     Now I here we go again.???   The deposit should not have to be pending still is cash not check. It 's is not my fault that there was a fee of insufficient funds when I did everything possible to deposit and I did deposited the money that same day before  XXXX  hours or  XXXX  hrs to get fees. I was so right that I was n't gon na get any fees and look at this it did that is crazy.   I am not sure if chase has something against me. And why the despots are still showing pending that their system mistake not mine. I want them to fix and solve my problem. It was n't my fault and I did the deposit that same day before midnight my time. I was not aware that it supposed to be at  XXXX  instead as the representative told me. I promise u and assure u I was not aware of that. Anyway after my deposit the receipt said I was current and I throw the receipt away at the garbage of the branch I went to in  XXXX . I wish I had it to print it and take a copy of it so I can use that as proof although  u  do n't think is necessary because  XXXX  can confirm that I made the deposits cash that day and that I was current. Please help me this is very frustrating that I 'm waiting  XXXX  min to  XXXX  hr trying to fix this important matter what is going on with chase?
Consumer complaint received 2015-10-04
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Bliksum, LLC (CA)

XX/XX/XXXX I took out an installment loan with LoanMe, which I discovered through a commercial over the radio. At the time I had XXXX of my XXXX minor children in the XXXX after going through XXXX 3 months prior and needed the money XXXX 

I did unfortunately take the loan out based on the terms that the were expressed to me by the employee of LoanMe and due to the stress and emotions of the timing did not thoroughly read through the paperwork. I was given a loan at 138.28 %. 

I am a married man with a family of XXXX with a part time only job and when I could not make the payments that were not initially disclosed to me, I called the lender ( LoanMe ) to discuss payment arrangements and they denied me stating that my offer to make payments to them were not enough for them. 

I later received court documentation to for a court trial as the lender ( loanMe ) had filed in small claims court. I continued to get harassed and have asked them to stop harassment as we already have a court date set XXXX. The phone calls and harassment seem to persist. 

I also received an email from the customer service department at LoanMe XX/XX/XXXX and they sent me information for my loan and another borrower. Leading me to believe that their policy to protect my privacy is not adhered to with Privacy laws Act. 

Please look into this company regarding harassment and the lack of privacy.
Consumer complaint received 2016-05-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: 21ST MORTGAGE CORP. (IA)

21st Mortgage, as part of my agreements with them, is to pay my homeowner 's insurance and property taxes every year. They escrow for this but twice they have failed to pay all of my property taxes and this year they failed to pay my homeowner 's insurance and caused it to lapse.
Consumer complaint received 2017-02-24
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank CONVERTED my Banana Republic store charge card to a Visa credit card. In the process they reported to the credit agencies that this account was closed and that a new account was opened. I never authorized such a change, nor did I request it, this was a unilateral conversion on the part of Synchrony Bank and the card should be reported to the credit bureaus reflecting the ORIGINAL opening date of XXXX/XXXX/2005.
Consumer complaint received 2016-12-22
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (NY)

A few months prior, I had major XXXX to remove XXXX from a XXXX. During this time, I missed XXXX payment on XXXX of my Synchrony Bank issued credit cards. When i became stable enough to rectify the concern, I called the bank on the accounts and spoke with the customer service representatives to address late payments, reporting and render payment. My issue with this bank in particular is this ; since that time synchrony has systematically lowered credit limits on every account that i have with this bank. This is done as a tactic to harm the consumer, it is done in manner where the new limit is a couple dollars above the credit balance which in turn effects utilization ratios to appear that the card has been maxed out. When the utilization is within a few dollars of the limit, the action affects the individuals credit score dropping it drastically. If a consumer is unfortunate enough to have multiple cards with this particular lender, they are ALL decreased to dollars above any balance whether or not you have had unforeseen circumstances that result in a late payment on them or not. This action was taken on my cards with this provider that had no late payment during the XXXX time frame as well as the XXXX I mentioned earlier. When i called Synchrony today, i was given non useful information on appealing or disputing a credit report listing. It was not applicable with this credit line as it was XXXX that was not impacted with a late payment. The representative then advised me that Synchrony does regular credit report checks on card holders, etc. I know that not to be the case however until the recent events that affected my payments came to light. I am very aware that businesses have to protect their bottom lines, it just seems that everything done is at the worst possible outcome for the consumer. They are very willing to open multiple accounts and charge higher interest rates for their store branded issues because it is in their interest of profit. When they took over my GE accounts, they even just dropped the card security feature without my knowledge. When I called a few weeks back the representative confirmed it dropped off when account changed over. Never any help with how it could be rectified, just an apology and a credit for a late charge. They even offered to remove late payment report, I have yet to confirm it however. Despite all that has happened with the late payment and reporting, the worst and most harmful has been this banks systematic approach to decreasing my score by maxing out every trade line i have with them. None of my other creditors have done what this bank has done to me. This is not a type of company i nor any other consumer should want to do business with.
Consumer complaint received 2016-08-22
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL (OH)

Care Credit charges interest 25 days from the date of purchase, instead of from the end of the billing cycle like most credit cards. With all of my other credit cards, there is no interest as long as the balance is paid in full by the billing date. So if my purchase is not a promotional offer I am expected to pay the balance within 25 days of the purchase date, regardless of whether or not I have got my billing statement yet. How am I supposed to know what charges need paid in order to not have interest if I have n't even been mailed my statement yet? These are new charges, which were not on my last billing statement. When I called to ask why I was being charged interest, I was told I should register with online banking so i could see my purchases and know if a payment was required before the billing date. The customer service representative said all credit card companies have this same policy, which is not true. I have no interest in registering with online banking with this company. I think they are dishonest and plan on closing my account once my balance is paid off. I think this is just a scam to get money from innocent customers. I looked at my bill and no where on it does it say the amount must be paid 25 days from the date of purchase. I used to respect this company, but I do n't anymore because of their deceptive practices.
Consumer complaint received 2017-02-02
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (LA)

Synchrony bank, samsclub Commercial Credit Card is reporting a commercial credit card on my personal credit report. The account is past the 3 year statute of limitation of debt collection in Louisiana and over 7 years old. I 've disputed this account several times and they refuse to delete the account. Synchrony bank is n't the original creditor issuer of the the commercial credit card.
Consumer complaint received 2016-05-23
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: SYNCHRONY FINANCIAL (CO)

This company employs very verbally abusive people to yell at those they call. They threaten, mock, interrupt attempts to speak, and refuse to listen to requests for change of venue for paperwork served. They hung up on me several times when I just wanted to request a change of venue. When I said I would dispute the charges, they again hung up after yelling at me.
Consumer complaint received 2016-04-08
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: SYNCHRONY FINANCIAL (MI)

XXXX XXXX continues to report an account to my credit report as " Disputed '' even though I have informed them ( see attached letter dated XXXX/XXXX/16 ) that this account is no longer disputed and requested that they remove this status from my credit report ; I am attempting to obtain a mortgage and this dispute status is preventing me from qualifying.
Consumer complaint received 2017-03-11
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (MD)

I received an unrecognized charge on my account on XX/XX/XXXX. I called to report the charge on my Barclaycard CashForward card. They investigated the charge and determined it was a " chip read '' card present transaction. It was billed as a hauling and towing service located in XXXX XXXX. I had made no such charge in XXXX. I was not in XXXX on XX/XX/XXXX or, for that matter, since XX/XX/XXXX. They were not able to provide receipt copies or other information pertaining to the charge. I have no record of making a charge for any such towing or hauling services either in XXXX or in my home state of XXXX where I was on XX/XX/XXXX. They closed the investigation and determined it was my responsibility. Neither Barclay nor MasterCard appear to have any responsibililty for providing evidence that a charge is legitimate. I take efforts to manage my credit carefully and now am placed in a position of paying for a charge that I have no record of making or face derogatory reports on my credit history if I choose not to pay it. Unacceptable. Merchants and the bank processors need to have responsibility in verifying charges.
Consumer complaint received 2015-03-27
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL (NY)

In XX/XX/XXXX I visited my dentist office to take care of what I thought would be a quick simple procedure. By the time I left I was sold a GE Care Credit Card with a $ 6.5K limit and up sold dental services which, looking back now, were clearly not needed. Young and naive, I did n't know any better and certainly did n't understand the racket I would be subjected to years to come. This credit card charged-off around XX/XX/XXXX because I was unable to keep up with the terms and conditions of the agreement ( Truth in Lending ), which was not presented to me. The payments I made were primarily applied towards interest due to an already high rate, but also due to a " penalty '' rate for making a payment late. I recall one-time being told that it would go back to the lower rate ( the lower rate being 25 % + or so ) once I made XXXX on-time payments. It 's hard to negotiate with XXXX but I tried, but ultimately lost and stopped making payments because I refused to be subjected to their XXXX, threats, and abusive lending practices. 
This account has ruined my credit. I see now that this company was fined by the CFPB and ordered to pay restitution to its victims. Although I took the card in XX/XX/XXXX -before their 0 % debacle started in XXXX it 's clear that this company was NEVER operating under prudent and fair practices. The practices that they were fined for do not show up out of now where ; this company 's divisiveness and lack of transparency was embedded deep and was chronic behavior. I honestly do not know what rights I have as a consumer at this point but thought I would start here to see what assistance I may have in clearing this negative account from my credit report. I 'm happy to see that this company had to pay for their misdealings and hope that those misdealings result in the removal of this charged-off account.
Consumer complaint received 2016-08-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

I have received over 40 calls from Conn 's Furniture & Appliance Store. I have told XXXX different supervisors that right now I am only working part time due to storm damage at the facility I work at. The last time I spoke to a supervisor I told them I was hopefully getting/starting a new job within that same week. Since then, I have received numerous calls that I do have proof of ( pictures & phone logs ). I have spoken to associates calling me and told them to stop the calls. The calls start at XXXX and come in every hour or two. I am very displeased and would like to take this issue as high as it could go. This should not be happening especially after I 've told them my situation. I also want to mention, I have told them I will pay them what I can until I start a new job and have the means to catch up on bills. They are relentless. They have used different phone numbers but all with the same area code of ( XXXX ).
Consumer complaint received 2015-08-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The CMI Group, Inc. (AL)

XXXX XXXX continues to report an open collection item on my credit report, even though this item has long since been paid in full. The balance is zero. This item has not been updated on my report in over a year.