davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-21
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TCF NATIONAL BANK (IL)

I was charged overdrafts on my bank account for previously pending charges while still being allowed by my bank to withdraw {$180.00} out of a check that I had just deposited for {$500.00} their claim was by letting me have the {$180.00} it made my pending authorized purchases Invalid and that I was charged a overdraft fee for every purchase even though I still had the same check which I was allowed to purchase {$180.00} worth of merchandise on in my account if it was good enough to cover that it should also have covered the XXXX prior purchases which came to a combined total of {$11.00} also in addition to this my monthly social security checks were also entered my account for a total of {$750.00} all of this activity occurred on XXXX/XXXX/2015. The reason that I know how much I was authorized to spend out of the {$500.00} check that I deposited was because the initial total of my merchandise came to {$310.00} when I swipped my ATM card it only authorized me {$190.00} so I had the purchase voided and the {$190.00} put back on my card I then choose {$180.00} worth of merchandise which I was allowed to purchase, but before depositing the check and with everything pending I still had {$1.00} in my account. When I went to the bank about the overdrafts, I was given XXXX different explanation over the course of two days, first by the teller initially, who said it was because I made a purchased of {$6.00} on XXXX/XXXX/2015 I then asked to speak with the manager he was busy, so after waiting about a half hour the assistant manager said she would look at it she gave me an entirely different explanation, telling me that they really did me a favor by letting me have the {$180.00}. Becaused the check had not cleared this was on XXXX/XXXX/2015. I returned on XXXX/XXXX/2015 this time I met with the manager who gave me still a different explanation but advised me to take the overdraft protection of my account and said that he would refund XXXX of the overdrafts.
Consumer complaint received 2015-07-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: TCF NATIONAL BANK (IL)

XXXX, therefore we had to move to another property and leave the one we are currently short selling. Since I am on a fixed income, I can only pay one mortgage and that is the one where I do not have to go up and down the stairs. TCF Bank has made this process very difficult, asking XXXX questions, asking for all sorts of documents, everything was provided to them. All we want is to do a short sale and get with our lives, but once again TCF is making this very, very hard for us to do. I am XXXX, on a fixed pension income, married with a woman who can not work because she has to take care of me, can not live at the property where TCF is the bank XXXX, what else do they want to understand I HAVE A HARDSHIP! They wo n't do a short sale, they wo n't modify my loan, they wo n't do a deed in lieu, therefore they are pushing me to foreclosure!
Consumer complaint received 2020-08-18
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (ND)

Lease payments were all made on time or early. Turned vehicle in 3 weeks before due. The dealer tried to call bank rep for schedule of review. No response so dealer XXXX. did walk around and found vehicle to be clean, tires good, body undamaged, no dings or other repairs needed. I'd purchased insurance at signing for {$750.00} and agreed to pay {$10.00} more per month for body ding & windshield protection without any deductables. 
I informed and showed dealer manager the policy being left in consol. I offered to meet bank and place any claims necessary. The mileage allowed for 3 yr lease waw 15,000 per year. 45,000 total. Turned in at 44,000 + but below 45,000. The bank arbitrarally billed me for 1 tire @ {$200.00} and a chip repair in windshield @ {$190.00} for total of {$390.00}. I sent a letter disputing these extra charges. Bank said I turned car in wrong and these extras were owed. Again, I disputed in writing. I guess wear & tear didn't matter because already I replaced 3 tires @ 35,000 +/- miles and 1 complete windshield with XXXX XXXX. Bank began to harrass me by turning to collection as unpaid payment due. I also disputed at collection leval. Bank wrote off loss and sold my account to collection firm. Ally Bank has ruined my credit causing my home refinance to be denied.
Consumer complaint received 2015-06-24
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CarFinance Capital LLC, Irvine, CA Branch (CA)

My car is financed through Carfinance.com. I fell behind in my payments and have been receiving constant harassing calls from them. The Carfinance.com agents are extremely rude, pushy, and threatening. Even if you make a payment arrangement, they will continue to harass you. They begin calling at XXXX every morning and do not stop until the evening.
Consumer complaint received 2016-06-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (TN)

I recently checked my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never received a notice from this company. I have never received goods nor services from this company and I have not signed a contract stating I would do so.
Consumer complaint received 2016-04-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (FL)

Not sure where this is from. 
I closed my XXXX account in XXXX 2016 ; and even received a credit check back for unused service. 
Also, my condo association changed to XXXX in my complex, XXXX 2016 and they checked my record and again did n't indicate I owed any past debts.
Consumer complaint received 2016-07-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (IL)

As of XX/XX/2016 I paid in full my debt with XXXX cable. A collection agency by the name of Enhanced Recovery Company is reporting to my credit reports that I still owe XXXX as of XXXX/XXXX/16. I have contacted XXXX several times and they have sent request to the company to remove this false information but even when I disputed this false debt the company reported that I still owe XXXXtheccompany reported to the credit bureau that it 's still a current debt.
Consumer complaint received 2016-09-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (CA)

When I was in high school and living at home I had a XXXX account with my brother. I eventually moved out of the house, and called XXXX to be removed from the account. At the time, I thought I was covered for good. Just a couple of months ago, XXXX shows up on my credit report as a collections entry. I called XXXX to ask them what the problem was, as I should n't have been on any accounts for the last nine or so years. The first time I talked to them, the representative basically said they were able to fix the mistake, and that the entry would be taken off my credit report in about a month. After it had not been removed after around 40 days had passed, I called XXXX again. This time the representative said there was no notes about a previous call, and that I still owed the balance due. I reiterated that the balance should not be attached to my name at all. He lowered the amount due, but would not remove the report from my name. I should not owe any money to XXXX, but they are XXXX up my credit report with an old bill that should never have been mine to begin with.
Consumer complaint received 2018-05-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Colony Brands, Inc. (FL)

I have observed that XXXX has been reporting an account on my credit report for the last seven months that doesn't belong to me. I disputed the account on several occasions with the credit bureau and they stated that XXXX verified the debt as mine. I then contacted XXXX asking them to verify this debt but to no avail., they have failed to verify but continue to report the fake account. I will now ask one last time for them to send me the contract I signed that contractually obligates me to pay this fraudulent debt. I know my rights have been violated and I will contact a consumer attorney if this account can not be resolved amicably. The account # XXXX
Consumer complaint received 2015-09-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (FL)

Some debt collector keeps calling my work number ( which is a call center ) and leaves a message indicating that they have case in their office that requires immediate attention. There is no contact information left and this happens throughout the day several times. 
XXXX numbers that call appear to be local XXXX and XXXX.
Consumer complaint received 2016-05-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (AZ)

I received a collections letter from ERC that is collecting on behalf of XXXX XXXX. I was never in a contract with XXXX XXXX. I have not had their service for over 2 years and my account was paid in full when I had the service discontinued.
Consumer complaint received 2016-06-03
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (MI)

I applied for a payday loan and was approved. After being approved and making XXXX payment of {$210.00} to the company whose full address and name is listed below, I found out before having to make the next payment that we would in fact have to pay a finance charge of {$3600.00} which would be spread out between XXXX payments lasting a year which would begin decreasing through the life of the loan. Our initial loan was for {$600.00} and by XXXX XXXX of 2017 we will have paid a total of {$4200.00} which is more than 7 times our initial loan. When I applied and was approved for the loan I had no idea they were going to be making me pay so much. I can understand having to pay some money more over a couple of months, but 7 times the money I borrowed seems illegal. Below is the address and name of the company. 

Red Rock Tribal Lending, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, MI XXXX
Consumer complaint received 2016-12-29
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Alpha Recovery Corp (IL)

i received a letter from Alpha recovery group attempting to collect on an unknown debt. They have failed to provide me with : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent
Consumer complaint received 2015-04-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (TX)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!
Consumer complaint received 2015-06-19
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Forster & Garbus LLP (NY)

( XXXX " XXXX '' XXXX a legal representative of Foster & Garbus XXXX XXXX XXXX XXXX XXXX New York XXXX Phone : XXXX or XXXX ) has made harassing phone calls within the course of three months with an attempt to collect a student loan debt in the amount of XXXX. XXXX XXXX called my home three weeks ago regarding this matter. I explained to him that I am unable to pay on my debt due to the fact that I am unemployed, XXXX and that I have an open case with Social Security XXXX Administration and I am waiting for a hearing date to meet with the judge regarding my claim. Which could take anywhere from six months to another year. Every time he calls I explain the same thing to him. He totally ignores my statement. Questioning my personal life. Asking me who I live with and if my significant other can pay my debt. I told him he wo n't its not his responsibility. XXXX XXXX also threaten to take legal action against me if I refuse to repay my debt. 
I guess he feels that he has the right to harass me. He does n't some should address this matter and inform him that it needs to stop. He call me today at XXXX today regarding my loan. I 'm keeping record of the amount of times he calls me. Thank you for your time.
Consumer complaint received 2015-10-01
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: TCF NATIONAL BANK (NY)

We fell behind on a payment or two on auto loan they call me XXXX or XXXX times a day I called to find out what was the lowest payment I could pay they were very rude asking all kinds of personal questions I told them why do I owe so much because a girl from your company said she would defer a payment he said well we do n't do that by word of mouth and then preceded to say so why are you calling are you going to make a payment or not
Consumer complaint received 2016-02-04
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Bonial & Associates, P.C (NJ)

My complaint surrounds the illegal execution of a foreclosure sale completed on XXXX XXXX, XXXX.I have requested on multiple occasions for Buckley Madole , P.C. ( BMP ) located at:XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX, to provide me with proof of service, as well as all copies and documented effects relating notice of foreclosure pending for XXXX XXXX, 2015. It is a fact, that I did not receive notice from BMP, nor XXXX ( XXXX ) my lender. At no point was information or dialogue ever reciprocated to me that that there was a pending foreclosure action scheduled for my property. 
New Jersey foreclosures are administered through the court system. RULE XXXX. Foreclosure of Mortgages, Condominium Association Liens and Tax Sale Certificates. We received no copies nor summons of the original foreclosure complaint action filed within XXXX XXXX XXXX XXXX. Therefore rendering our right to due process in effective in regards to unbeknownst Docket NO. XXXX civil action. BMP, has failed to provide the following documents required to be filed prior to conducting foreclosure and have violated fair foreclosure act n.j.s.a. XXXX XXXX : I have requested case numbers pertaining to these foreclosure filings and BFW has refused my requests in their entirety and my following requests are still being ignored : - Notice of Election and Demand. 
- Original Evidence of Debt, or a copy of the Note and Certificate of the Owner and Holder of the Evidence of Debt, or a Corporate Surety Bond in the amount of one and one-half times the face amount of the original Evidence of Debt. 
- Original Deed of Trust or certified copy, or copy with certification letter - List of names and addresses of parties to receive notice. 

We implore your office to investigate this matter immediately, as BMP which is considered a foreclosure mill purchased in addition to failed to, provide Notice of sale must be mailed to homeowner ( and all parties who appeared in the action ) at least ten days before sale, as well as posted on the property and in the sheriff 's office, and published in XXXX newspapers for four weeks. We are forwarding to additional bank regulatory agencies.
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (WA)

I was paying through Sallimae before it was moved to Navient, I recall that I was n't making any wages during that time and my loan interest suddenly increased the actual balance significantly without notice. The account was suppose to be on hold until I was able to find a job. Currently, I 'm paying {$660.00} every month without any consolidation for my income or any help from Navient to be able to make these payments easily. I almost have no savings due to this issue and with a very high interest rate. In addition, they would try to contact you regardless of your status and really want you make these ridiculous payments ( sound like collection agencies ).
Consumer complaint received 2016-06-27
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: REGIONS FINANCIAL CORPORATION (FL)

Regions Mortgage company never provided me information during my closing on my credit score during time of closing. When I called Regions they said they can not provide me the score as this is Regions property and that I should have received this information with my closing documents but I never received this information XXXX I have all my documents from closing and nothing tells me what my score was at the time of closing.
Consumer complaint received 2017-02-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (NC)

A company by the name of XXXX XXXX XXXX , XXXX, of XXXX XXXX, wrote me about two months ago saying that an unpaid balance of {$230.00} on a Synchrony Bank/Belk account was sold to them on XX/XX/2016. I wrote them back that I had never had an account with Belk and had never received any requests for payment from a Synchrony Bank. I stated that apparently my name had been either maliciously or accidentally attached to this account, and I had no intent of paying for something I had never bought. After another letter or two, the latest from XXXX XXXX, their Division Manager, is now saying " we will no longer be contacting you regarding this account by phone or mail unless it is to further respond to this dispute by you. ''
Consumer complaint received 2016-05-23
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BARCLAYS BANK DELAWARE (CA)

I had a XXXX XXXX card, and when XXXX ended its affiliation with XXXX they transferred the accounts to XXXX. I never wanted the new XXXX account, and never activated the card that was sent to me. I contacted XXXX to cancel the account. They could n't help me. I contacted XXXX to try to cancel the account - they informed me that I needed to work with the issuing bank. BarclayCard began placing recurring charges transferred over from my XXXX account each month, even though they were never authorized to do so. More than two months ago I called the credit card company and cancelled the account - although I should not had had to do this, since I never activated the account in the first place. BarclayCard / XXXX completely ignored this and continues to place charges and late fees on the account.
Consumer complaint received 2015-07-17
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (MI)

During my first attempt to refinance with with cash out from my current mortgage holder, my information was submitted incorrectly to underwriting. I did not have access to neither was I able to view/authorize any of the information submitted on my behalf. I have no idea if my application was submitted for a FHA or a Conventional loan. Upon being denied after a more than 30 day process, I questioned the submission of my application. A representative of the company mistakenly stated several things requested on my application that I did not request. When I began to question this incorrect, I was told he could n't speak with me any longer regarding my application. When I requested a copy of mu application I was told, an application was never submitted on my behalf. Additionally, I never received a good faith estimate ( GFE ). 
During my second refi attempt with the same company, the process was going smoothly and my existing loan was at the point of being verified and paid off. My information was submitted correctly this time around, however when I began questioning the incorrect processing of my initial refi attempt things took a turn for the worse and I was denied again. I am positive my income to debt ratio is more than qualified. They went to the extreme of telling me none of my income from my full time job would be accepted. 
I have all of this information documented through email exchange and will attach them to this complaint to explain what happened in detail.
Consumer complaint received 2016-05-18
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (NH)

I sent a check to pay my Citibank credit card bill in full, {$13000.00} and the check was cashed on XXXX XXXX and cleared the bank account on XX/XX/XXXX. As of today, XXXX XXXX, Citibank can not find the check and has not applied the amount to my account. 

After 5 calls from me and 5 calls from XXXX XXXX company, the company that sent the check, we have been stalled, asked to supply various details ( check number, account, etc. ) and have on multiple occasions with no resolution. Citibank hung up on me today when I called again for a follow up and answer to the issue of where my money is. 
This is unacceptable. They need to be able to find that check and respond in a courteous and professional manner. They are unwilling to call me in a proactive process and instructed me to just follow up in 72 hours for an update. 

NOT GOOD!
Consumer complaint received 2017-03-20
Product: Credit reporting — 
Issue: Improper use of my credit report — Report shared with employer w/o consent
Company: Rocket Mortgage, LLC (NY)

Hard inquries on my credit report from ouicken loans 3 times ) only authorized one and was told it wouldnt be a hard inquiry, XXXX was told it wouldnt be a hard inquiry, XXXX never inquired, XXXX never i quired XXXX never inquired. Please inveatigate asap i would like these hard inquiries removed.
Consumer complaint received 2016-07-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION (FL)

My ex-husband and I went to BB & T Bank after he was diagnosed with XXXX to add me to his bank account by completing the paperwork and completing a signature card. We brought wirh us a power of attorney, and was told it was not needed because we were both present at the bank. This was done for the sole purpose of getting things in order as we were told he had a minimal amount of time to live. After this was done I did most of the banking transactions which included making deposits and paying the bills. In XXXX 2016 I made a deposit and went back in a few days later to cash a check and they froze the bank account and could not find the signature card. I have unable to pay any bills out of this account. They acknowledge that the problem was the banks error, but said they have rules they have to go by. I am unable to access this account from the funds I have deposited.