davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-18
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: SVB FINANCIAL GROUP (OK)

In XXXX XXXX, I was expecting a check from XXXX XXXX as settlement for my XXXX tax refund. Unfortunately, On XXXX XXXX, XXXX, my check cashed using a forged endorsement. The XXXX of the person who cashed it had been written on the check. After consulting with a detective in the XXXX Police Dept, I learned that the XXXX belonged to someone with the same name as mine, who lives in my neighborhood. After contacting XXXX XXXX headquarters, I was informed that i would not be issued another check, even though i did not benefit from the check, nor did was i aware of it being cashed. Also, I was incarcerated in the XXXX XXXX XXXX on the day the check was cashed. XXXX XXXX of XXXX XXXX provided me with a copy of the cashed check. Next, i contacted Silicon Valley Bank ( SVB ), which is the bank printed on the copy of the check, and informed them that i wanted to file an " affidavitt of forged endorsement ''. SVB would not provide me with their affidavitt, but forwarded it to XXXX XXXX, to be forwarded to me. However, XXXX XXXX denies receiving such email, and has since ignored my emails.
Consumer complaint received 2015-12-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (CA)

Ditech/GreenTree Loan # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX CA XXXXShort Sale was started with GreenTree XXXX/XXXX/2015. A full package has been submitted as of XXXX/XXXX/2015. We have left several voicemails and have also reached out via email to our negotiator, XXXX XXXX, with no return calls or emails. Neither will Ditech/GreenTree return any calls from the homeownerDitech/GreenTree ( or whatever they are calling themselves this week ... ) are refusing to respond to the homeowner 's and the Authorized Third Party 's request for updates. This is not acceptable. It is also a violation of their servicing agreement. 

Is Ditech/GreenTree even working on the short sale? Ditech is refusing to communicate with anyone regarding the short sale. How hard is it to pick up the phone and call back?
Consumer complaint received 2016-02-16
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PulteGroup, Inc. (NY)

Pulte Mortgage has taken more than 2 months and still has not finalized our application and gotten an answer from the underwriter. They constantly loose the personal financial information they request and get from us. They have missed scheduled phone meetings [ resulting in replacing the person we were working with ]. Constant delays and broken promises about specific self imposed deadlines.
Consumer complaint received 2015-04-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Como Law Firm P.A. (MN)

They wrongfully tried serving me fake papers in efforts to get me to pay a debt, which I " owe '' but since the XXXX that wants money did damage to XXXX my teeth and refused to admit his assistant did any damage and refused to lower the bill. In my mind I do not owe that man any money. 
So after that the " debt '' went to a collector, Como Law Firm. XXXX of the most horrible people I have ever talked to. They told me I need to send money to a XXXX XXXX XXXX and got mad when I said I was not sending any sort of money to some random XXXX XXXX XXXX When I asked for an address they claimed they did not give out their personal address for their company. I had lost my job soon after and shortly after that I became pregnant. My XXXX and for a majority part of it I could n't work due to being XXXX. I calmly called this law firm to explain the situation and if they could just wait a few more months till I am back at work. They proceeded to call me an immature child who ca n't pay my bills, then they said if you do n't make a payment within the week we will just sue you. 

They never tried working out an agreement and just went directly to harassing me and saying they were going to sue. 

I had n't received any papers from them in the whole time my debt went to them. When I asked for a confirmation paper that my debt was actually with their company they told me that they do n't give those out either. 

I have never had a problem with the other debt agency I have an amount with. I work with them and we get my debt paid off in a timely manner. 

Como Law Firm should not be in business.
Consumer complaint received 2016-07-01
Product: Prepaid card — Payroll card
Issue: Managing, opening, or closing account — 
Company: First Data Corporation (PA)

I have a paycard through ADP. The card is issued by my employer. I had not used the card in over XXXX years. The department I am in now started to use the card again. I had lost my previous card so I had to call to get a new one issued. First they wanted to charge me a fee, which they can not do since this is a payroll card issued by my employer. I called a second time and again they wanted to charge the fee, but the agent I spoke to agreed to waive the fee and mail me a new card. I also updated my address with her. She advised that the card would be mailed. 
Over XXXX weeks later, there is still no card. I call again to check on the status. The prompt on the phone indicated that a new card was issued, but not yet activated. When I spoke to the call center agent she would n't assist me because she could n't verify my address. I repeated my current address and the previous addresses I had used. Keep in mind, I was certified with my social security number, name and date of birth. I requested a supervisor. The supervisor was inconsiderate and rude. He refused to do anything to help me. He kept saying that they could n't verify my address. I live in a city and I receive postal mail so the issue is clearly on their end, but he refused to do anything to help me. He kept telling me to fix the issue with my employer. The issue is that one of their employees put my new address in incorrectly. I also told that there are XXXX recent transactions on this card. This experience has been nothing short of frustrating.
Consumer complaint received 2017-01-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Data Corporation (IN)

Check # XXXX was written on XX/XX/2016 to XXXX for {$13.00}. That check was never received and we paid XXXX via credit card as soon as we learned of the check disappearance. We now have received a collection notice from TRS Recovery Services Inc. demanding payment for {$180.00} alleged owed XXXX # XXXX and written on XX/XX/2016. We have never written a check for that amount to XXXX. The TRS Reference # is XXXX. We have a carbon copy of the check in question that shows that it was written to XXXX for {$13.00}. Our credit union can not help because it is an electronic check. I feel that this is a scam and I have to wonder how many people would panic and pay rather than spend the hours I have spent trying to resolve this issue. We would appreciate your attention to this matter. Our credit is impeccable and I intend to keep it that way. Thank you in advance for your consideration.
Consumer complaint received 2016-10-04
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC (OR)

We refinanced our home with LoanDepot to make home improvements. After we signed closing documents and the 3 day rescission period expired, they claimed that the boilerplate Compliance Agreement we signed required us to make repairs to the lower deck on our home as a condition for obtaining the funds. We requested that they provide the closing document that imposed the condition and they have failed to do so because we are quite certain that no such document exists. However, LoanDepot is steadfastly refusing to dispense funds claiming that we agreed to conduct the deck repairs as a condition to receiving the loan.
Consumer complaint received 2021-08-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Edmonds & Logue PC (CO)

on XX/XX/21 I was notified by my bank that my account was at a XXXX balance. When I logged in to see what was going on all of my money had been put on hold XXXX dollars and some change. I called my bank and they informed me that they received a legal court order to hold my money for a debt. The bank provided me with the information on who to call giving me a number of XXXX I called and spoke to a woman I believe her name was XXXX and she informed me that I had been served and that they had mailed me letters she then told me the address they had on file and it was correct as well as my correct phone number. I told her that since she had all my correct info why was no attempt made to collect this debt using those means and her response was no reason only that I had been served. I then asked if it was signed for and she said no I said so you are taking the word of some one that has no proof of the job they claim to have done. She then asked me if I would like to set up a payment plan. I am still in shock as I honestly did not even know I had the debt. I would attach documents if I had any to attach as I have not received any information in regards to this debt I have no info to provide.
Consumer complaint received 2023-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (CA)

Hi XX/XX/23 I called us bank because I'm tried of them holding my money I Feel that like there are stolening my money. Honestly ever XXXX counts for me. And when I deposited money for the bank why should I have to wait for them to approve it or the mecherent. I get confused I don't know how to read my statement. In current thing so I was wondering if you guys can make sure I'm not getting robbed. Thank you
Consumer complaint received 2017-01-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (IL)

In XXXX XXXX I changed my Cell phone services from XXXX XXXX XXXX to XXXX. As a result there was service and discontinue contract charges totaling over XXXX. I paid some then got contacted by a collection agency of XXXX XXXX XXXX in XXXX. I settled the debt with them for like XXXX. They assured me that they marked the debt is paid off by an agreed settlement. Early XXXX I got a call the same collection agency requesting to pay some {$550.00} for a debt to XXXX XXXX XXXX. they explained its for the cell service. I explained and they looked up their notes and confirmed that I settled and not to worry about this ever again since they will take care of this balance. Here we go in XXXX I get the same collection letter, from a different collection agency this time. And they told me that they have no notes about this account being settled and I have to pay {$550.00} now. ERC collection XXXX. Ref # XXXX. They did n't care of what I have to say. I need XXXX XXXX XXXX to stop assigning this account to different collection agency. I am XXXX and they continued to harass me for the last 3 years. When is it going to stop.
Consumer complaint received 2022-08-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (DE)

Due to COVID assistance I filled for a mortgage assistance. After speaking to a representative they told me to complete the forms sent and return in the pre addressed XXXX XXXX envelope provided. I followed the instructions provided. I received a call from a representative asking if I sent back the notarized form. I told them yes, they said we didn't receive it. Then they said they would research. Then I received another call from a different representative saying the same thing basically calling me a liar that I didn't do what I said I did. In between the calls I received paper work from a title search company with a copy of the papers Loan depot said they didn't receive. I called that company and they said they got the papers from them loan depot. 
Mean while I am making my mortgage payments and receiving fees for " late payments '' because they have not serviced my loan. I received another call last week from a representative saying the same thing.. they didn't receive and basically calling me a liar again. I'm being harassed for an internal issue they have regarding servicing my mortgage and being charged late fees for no reason.
Consumer complaint received 2016-01-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (NC)

We have applied for a loan to refinance our home. In XXXX XXXX, we had to file Ch XXXX Bankruptcy to stop foreclosure of our home due to tremendous loss in my income due to economy. At that time, we were behind on our mortgage with National City Bank and they had started foreclosure proceedings. Of course repayment of all payments in arrears to National City Bank was a part of our bankruptcy payments made. I have confirmation from my bankruptcy attorney that we started that process on XXXX/XXXX/XXXX as ordered we paid all payments in arrears with NO delinquent payments during bankruptcy repayment. Our bankruptcy was discharged on XXXX XXXX and by that time we were current with our mortgage which was by then sold to PNC Bank. On our credit report now it shows that we were still in foreclosure after the completion of bankruptcy when we were current on our loan. The credit report now shows us in foreclosure for months XXXX XXXX to XXXX XXXX. We wrote to PNC mortgage and they said we were referred to foreclosure on XXXX XXXX, XXXX and removed from foreclosure on XXXX XXXX, XXXX. How can they keep an account in foreclosure status when they have agreed to accepted the payments for all payments in arrears as per bankruptcy documentation and we were current on our loan since XXXX XXXX. The fact that we are shown as in foreclosure after the bankruptcy means for us that we can not re finance our home for 3 years after they have removed it from foreclosure which means XXXX of XXXX. I think this is UNFAIR to consumers and see no reason why our account was held in foreclosure after receipt of deficiency and payments made as agreed.
Consumer complaint received 2016-05-03
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: KEYCORP (OR)

Key bank, XXXX, oregon three years ago nearing retirement my wife and i decided to apply for a fixed interest home mortgage we applied for a locked 3.75 interest rate.we were assured we qualified and signed the contract.the loan officer XXXX would only accept our phisical address even though we told her the U.S.P.S. would not forward our mail .after 50 years of banking at key bank i took over our financing. We just realized we had never received a statement key bank on this loan .key bank finally sent the current statement to our post office box .we immediately realized our loan was actually a variable rate loan and rates were rising. XXXX admitted she had dropped the ball ll and would recommend we be given our original loan rate. XXXX, XXXX, s boss denied the request .We are currently in limbo and our retirement in jeopardy. Please help XXXX and XXXX XXXX
Consumer complaint received 2015-09-24
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: March Motors, Inc. (FL)

I purchased a XX/XX/XXXX XXXX from March Motors. Buy here Pay here establishment. I paid {$200.00} for the tag. My payment books shows XXXX bi weekly payments of {$240.00} and the last ( XXXX ) payment of {$170.00}. 

The tag was only {$170.00}, leaving a credit of {$20.00}. My Florida Vehicle Registration shows hand written the credit will be applied to loan. 

XX/XX/XXXX, I received pay off balance of {$1300.00}. I then asked for pay off balance again On XX/XX/XXXX concerning my last payment per scheduled payment statement for XX/XX/XXXX. 

I was informed by email on XX/XX/XXXX by written attachment of {$380.00} after making a payment of {$240.00} the same day. 

Now according to the payment booklet, my last payment shows last payment of {$170.00}. 

At this point, I asked for itemized payment history. I would only receive statement of {$380.00} until XX/XX/XXXX. 

I have asked by email over and over for itemize statement, to no avail. 

Now after sending email to XXXX of March Motors ( Cashier ) that I would be filling complaint to Consumer Financial Bureau, I finally received partial itemize payment statement. I also asked over and over, how when last statement shows {$170.00}. 

I have yet to receive an answer. 

This establishment will not allow grace periods, therefore how is that amount accurate? I have yet to see what are the late fees along with interest. 

I have emails along with documentation of my tag statement. It is not adding up. 

How is the last payment {$380.00}? 

Please assist so I can pay this vehicle off. 

I have documentations of payment scheduled printout, along with emails for my proof. 

Please assist. 

RespectfullyXXXX XXXX XXXX
Consumer complaint received 2016-05-25
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A. (TX)

I was an authorized user on a Citicard account of my dad 's, not a guarantor. They have consistently filed this on my credit bureau. When it came time to get a business credit card for my business this account inhibitied my ability to get an a business credit card. I removed myself from the account and asked for a letter stating I was no longer attached to this account as an authorized user. The letter came in my dad 's name which was not helpful to me. I called and asked for another letter. It never came. So I called back and they refuse to send a letter unless my dad calls and verifies his account. They are still reporting to my credit bureau and are not helping me correct their mistake. I was on the account when I asked for the letter. I want the account off my credit bureau and a letter that states I 'm not on this account or responsible for it.
Consumer complaint received 2017-03-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (CA)

I have been getting harassing phone calls from a debt collector that past 2-3 months. They have been calling me from various numbers, various area codes ( up to 4 ) and similar area codes but different numbers. I have received voicemails stating " This is a message from a debt collector, please call ERC back at ... '' and then a reference number ( that has also changed a few times ). I find this to be very non-legitimate business practice to call someone from multiple numbers and different area codes. That is one of the red flags I 've noticed. Another one is that the caller does not state his name in the call nor why they are calling, nor do they state my name, another red flag. I decided to look up ERC online and checked the Better Business Bureau, Consumer Affairs and other review websites. I noticed that the overwhelmingly the reviews were negative in one way or another. I noticed a trend with words " Fraud, fraudulent, shady, fake, scam and con '' being shown a lot on the reviews. Many reviews stated the company claiming to be ERC is collecting on debts from old accounts that the person called had. Many of the reviews state the person had closed the account, paid off the account and many had called the original company only to find there were no such charges on their accounts. There were a few users who stated the companies that ERC claimed the person owed money to do not sell their debt to debt collection companies. All of these reviews seem to not follow legal business practices. I have had my identity compromised before and am extremely cautious with my accounts. I check all my accounts regularly, have an identity protection account with a company and also check my credit reports. I noticed last year that there was a claim that I owed money to a credit card I had open. I called that card company immediately and asked them to check that account. They noted I never missed a payment, paid on time and had an account that was open and in good standing. They will be sending a printed updated statement that says I have no debt and the account is in good standing. I then ordered my XXXX free credit reports for this year and noted that I did not see any suspicious charges or debt arise. This all leads me to think that this is a scam and there is fraud going on. 

I have also filed complaints with other consumer protection agencies about this company
Consumer complaint received 2017-02-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: ERC (TX)

This amount was previously removed. It was for XXXX account with XXXX. The equipment was returned and XXXX kept saying the matter would be escalated and the amount removed but nothing was ever done. Now it is reported again. Just today I spoke with another agent XXXX # XXXX she hung up on me when she tried transfering my call. I am tired of this issue. I ca n't resolve anything with XXXX. See attached previous response from Collection agency.
Consumer complaint received 2015-04-25
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Big Picture Loans, LLC (KY)

I had a XXXX and all of sudden I notice my bank account was being credited {$350.00} a mth. and I did n't what for. Did even realize this unitl this month they had been taking out this money since XXXX which I had the XXXX before XXXX and could n't even use a computer. I call my bank this morning and they give a telephone no. that is n't that companies no. I do go and line and try to call Castle Payday loans ca n't talk to anyone. They have taken out {$1700.00} out of my account. I 'm elder and do n't deserve this. I need help.
Consumer complaint received 2016-08-07
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (NC)

I have asked Enhanced Recovery to validate a collection they are reporting on my credit reports from XXXX/XXXX/16 to XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2016-12-29
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: ERC (KS)

This company " ERC Collections '' has been harassing me in regards to some type of debt. When I originally tried calling back the experience would vary depending upon the phone number they called from. In most cases the phone just rang and rang or the phone would disconnect. Therefore, I wrote them off as just another group of scammers. However, now these people are calling me at WORK ... ..ALL DAY/EVERY DAY including calls to Human Resources and today they went directly to my boss. They told my boss " she has an outstanding debt but refuses to answer her phone ''. I am MORTIFIED ... .they ca n't do that can they??? In the past they have told HR that they have " papers to serve in a legal matter '' and that HR either has to " accept the served papers on my behalf or that HR will have to " force '' me to come to the front desk and be served. Last week my ex-husband, AND ex-mother in law received calls on my behalf and they stated it was a " legal '' matter. Please help!!!!!!!!!!!!!!