davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-08
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I was called last XXXX XXXX regarding the loan modification I was approved that I did not know. I called them back and told them I was not aware of this and did not received my documents. The following day, XXXX XXXX, underwriting representative called me and told me that XXXX XXXX extended it and I need to send my payment right away. They instructed me to send it via XXXX @ XXXX, send the first payment {$1200.00} send it to XXXX XXXX, XXXX officer. They explained that this is a government loan and I will not pay directly to Nation star. Since this is holiday, I send my payment for XXXX on XXXX XXXX, XXXX with the same amount to XXXX XXXX of XXXX XXXX California. XXXX XXXX called me up and told me his handling my modification form now on. I called Nationstar customer service and informed them of the situations, I spoke to XXXX XXXX and even faxed her the papers to proved to them I am in modification because I did not pay my XXXX payment. No response I received from them about it. XXXX XXXX called me XXXX XXXX, XXXX to process the XXXX final payment. Same XXXX and send it to XXXX XXXX of XXXX Michigan this time for XXXX because of the transaction fees I paid from XXXX payment. He send me receipt of the last XXXX payments via faxed. XXXX XXXX called me up XXXX XXXX, XXXX to inform me that XXXX XXXX. is closed because of the holiday. He said they will call me on XXXX XXXX, XXXX. XXXX XXXX named XXXX XXXX called me and gave me phone # XXXX to save in my phone so I will know that he 's calling me. I received a message from Nationstar again regarding my past due. I call them back to say again my story and my situations. This time I was forwarded to their supervisor XXXX XXXX. He said there is no XXXX XXXX in Nationstar company directory. I got the paper I faxed to XXXX last XXXX XXXX, XXXX. He said he will submit it all to their XXXX Department. He asked me to faxed him all receipts I have. I did the following day. Then I called XXXX XXXX to bluntly asked him if this a fraud. He said no, this legitimate and they are the underwriting depart of Nation star Mortgage LLC. He added that customer service does not know what 's going on because it is still on trial period and not yet completed. He told me that once if completed and process that 's the only time it will show all my payments and transactions. I told him that his name was not in company directory. I asked him to called them and at least give them a word about it that customer service will know about it. He said he will give them a call. I called XXXX XXXX numbers and reach the XXXX XXXX. I asked the lady for him and but she does not know him. I told the lady my purpose of calling him and she stated the XXXX does not charge a processing fee. She transferred me to XXXX who took all my information and my case and story. The following day, XXXX XXXX from XXXX legal Dept called me and asked me to faxed all the information and asked me to file this complaint.
Consumer complaint received 2017-05-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: West Bay Recovery, Inc. (RI)

West Bay Recovery XXXX XXXX XXXX, XXXX XXXX XXXX, RI XXXX and XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, RI XXXX ( representing West Bay ) XX/XX/XXXX-XX/XX/XXXX Judgement XXXX Initially, I was not aware of any debt or what it was for. There were documents falsely served and signed by whom I do not know as I lived alone and worked past XXXX every night some time in XX/XX/XXXX. I do not have the exact date as the documents were never disclosed to me. I never saw anything or heard of this debt or company. I found out about this debt in the middle of my bankruptcy through mail from XXXX that my account was overdrawn. The account was my in fact my then 7yr old 's savings account that the law office went ahead and took the money out with the false documents. No one answered my calls or my letters sent on the matter. Not only did they receive money through what I can only imagine were forged documents that was my child 's but they also were included in my bankruptcy that was discharged in XX/XX/XXXX. Now, I am going through a refinance of my home ( XX/XX/XXXX ) that was purchased in XX/XX/XXXX and my loan officer is telling me West Bay is coming after me for {$490.00} that I supposedly owe from XX/XX/XXXX ... .mind you the law office went in and took it out of a 7yr old 's bank account. I am finding out there has been MANY complaints about West Bay creating false debt and coming after people years and years later for what I still do n't know as NO ONE HAS EVER RETURNED MY CALLS OR MAIL ON THIS SO CALLED DEBT. They were included in bankruptcy and the stole money from my child 's account which only included my name due to him being under age.
Consumer complaint received 2016-04-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (GA)

XXXX sold my XXXX mortgage to Nationstar Mortgage XXXX XXXX. I continued to pay on time every month, but on XXXX XXXX, XXXX I inadvertently discovered that Nationstar had increased my payment by 50 % without notifying me. I learned this when I went to my homeowners insurance website to pay my quarterly bill and discovered that my insurance was paid in full for one year. I then went to the Nationstar website and discovered that they had paid it ( unrequested and without authorization by me ), plus they are now requiring a {$540.00} " cushion '' in my escrow, plus there was an increase in property taxes for XXXX ( the last I was expecting but not the other XXXX amounts ). They averaged this total over only 8 months, increasing my payment from approx {$800.00} to more than {$1200.00} and never notified me, at all, ever. After XXXX reps who were clueless, I spoke with a supervisor in Nationstar escrow dept who kindly requested that this amount be spread over XXXX months, which would increase my payment by " only '' 25 % instead of 50 %. I was told I would receive documentation of our conversation which I have NOT received ; I called back on XXXX/XXXX/XXXX and was told I 'd have an answer by XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I made a payment for the additional funds that would be required for the XXXX % amount so that my account would be current already when the request is approved. I called again today, XXXX/XXXX/XXXX and was told I 'd have an answer in " a day or XXXX. '' Also today XXXX, I discovered a XXXX/XXXX/XXXX message to me on their website saying they are holding my on-time XXXX payment in suspense because it is not a full payment. This is raising red flags all over the place for me and I wonder if they are trying to get rid of XXXX mortgages for some reason. I understand how escrow works but particularly with the shady and seemingly arbitrary undertakings and no notice to me, I am fearful that Nationstar is trying to create an untenable situation and endanger my homeownership of 10 years.
Consumer complaint received 2016-07-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: ZWICKER & ASSOCIATES (NY)

The debt collection firm, Zwicker & Associates, PC called at my place of business at odd hours, harassing me about an alleged debt. 

I spoke with XXXX XXXX XXXX XXXX who claimed to work for Zwicker & Associates and I had asked him to provide me with the proof of the alleged debt from XXXX XXXX to be sent to me by XXXX, which was never received. 

On XXXX XXXX, 2016 I responded to a message left with my answering service and called the number XXXX and asked to speak with XXXX XXXX. 

The company switchboard answered and did not recognize his named I am concerned about the harassment from this debt collector and their communication tactics as well as their misrepresentation about an alleged debt.
Consumer complaint received 2023-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NJ)

Unethical business practice. Unethical company. 
I had a few cards issues by Synchrony bank, the most recent just in XX/XX/2023. They are now closing all my cards with them, and the letter cited " not paying down my mortgage enough ''. My mortgage is current, every payment not only on time, but EACH payment included extra principle payment. I paid it down more than was scheduled, but this is the reason they gave for closing my cards. I can not pay them off on line now, but must call to make these payments so I don't default on them. 
Now they've harmed my credit rating, even though I was current with them. They damaged my credit and adversely affected my entire life, even though I WAS CURRENT WITH THEM. 
I hadn't defaulted on any of these cards, they were all current, but they closed them out and I don't have a valid reason for it.
Consumer complaint received 2017-01-25
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK (MN)

XXXX FILE NUMBER I 'M NOT ASKING DISCOVER FOR ANY FUNDS TO BE RETURN BACK TO ME I JUST WANT THIS FRADULENT ACCOUNT REMOVED FROM MY CREDIT REPORTING BECAUSE I DIDNT OPEN THIS ACCOUNT AND I DO N'T THINK ITS RIGHT FOR ME TO HAVE THIS ON MY CREDIT FILE
Consumer complaint received 2017-05-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC. (NY)

Ally financial loaned {$13000.00} in XXXX 2012 payments of {$240.00} so made already a little over {$16000.00} so far call for payoff today and claim I still owe {$5000.00} believe this is in correct and nobody speaks clear English there and struggling to get to bottom of this thanks for listening I really need help direct me to the right person or forward this email to others to see who it is I need to speak with my number is XXXX XXXX XXXX
Consumer complaint received 2023-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Equifax is not allowing any of my lenders to access my credit report after multiple attempts exhausted trying to fix the issue. I am at a standstill. It is also not reporting all of my credit accounts. This needs to be fixed asap to allow my lenders access.
Consumer complaint received 2018-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (VA)

An application for business credit was applied for using BUSINESS credentials -- not personal information was inputted into this application ( i.e., SSN ). XXXX allowed Synchrony Bank access personal information for a business credit card. Synchrony claims that based on the terms of the BUSINESS APPLICATION that they were authorized to check personal credit, but this is NOT the case if the only credentials you have on the APPLICATION is the EIN of the BUSINESS and not the SSN of the personal applying. XXXX allowed access of my information without having proper authorization, and Synchony Bank instead of aborting the application process infiltrated my privacy by prying beyond what they had access to. They need to provide the actual application and not just the terms of a generated web TERMS and AGREEMENT document. A denial letter is attached whereby SYNCHRONY BANK checked MY PERSONAL CREDIT FILE WHILE HAVING NO SSN on their application to do so.
Consumer complaint received 2023-07-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (VA)

My husband passed away on XX/XX/2023 and I reported his death to Social Security on XX/XX/2023. I was informed at that time that he was entitled to his final Social Security payment of {$1200.00} which would be transferred electronically to our joint savings account on XX/XX/2023. My husband was born on XX/XX/XXXX. I noticed that the deposited social security funds were on hold and asked the bank why. " Social security can ask for the money back and therefore the hold. '' I had my final interview with Social Security on XX/XX/XXXX and asked them about the hold. They told me the bank should release the funds immediately and off to the bank I went again. After some run around I got the branch manager who told me this is standard procedure. Social Security has 180 days to ask for the money and the bank can't just send the money back if Social Security asks for it and there are not sufficient funds in the account, therefore the hold.I could of course ask Social Security to send a letter stating that the bank should release the money but good luck on that one. She said by the time you will get that notice the money will be released. The bank just released the funds XX/XX/2023 but it shows on the account like it cleared on XX/XX/2023. 
Now I am in the fortunate position that I did not depend on that money but it me made realize several things. If this happens to me it must happen to thousands of Americans. No interest is paid on the money the bank is sitting on and as far as I know they can float it freely for 180 days. What a nice way to get free money for them to play with and make money on. Something is terribly wrong with this process. It doesn't help the person who has just lost a loved one and is dealing with the aftermath of that. For many the loss of the loved one means loss of that social security income as well. And for the bank to be able to sit on that money for 180 days is just absolutely disgraceful and a financial slap in the face. This needs to be fixed asap.
Consumer complaint received 2015-08-06
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: PNC Bank N.A. (PA)

I am contacting you to file a complaint concerning a new car loan I applied for recently. I am XXXX years old and I have been a customer of PNC bank for more than XXXX years. I have over {$25000.00}. in CD 's with PNC. When I applied for a new car loan for {$10000.00}. I was denied the loan because I do not have any credit history. I never had a credit card and always paid cash except for XXXX time XXXX years ago I applied for a new car loan with the same PNC bank in XXXX and they approved it no problem but this time I was denied. I have more than enough money on deposit with their bank as collateral for the loan but they still denied it. They said it is PNC 's policy not to give loans out to anyone who does not have a credit history. I went to another bank and applied for a loan and they said as long as I deposited the {$25000.00} CD with there bank they would write me a check for {$10000.00} on the spot regardless if I had any credit history. I feel PNC 's policy of arbitrarily denying a loan to anyone who does not have a credit history is discriminatory and possibly illegal. I had more than enough money on deposit to cover the cost of the loan if I defaulted on a payment. There is NO WAY PNC could loose money on the deal. I also feel my AGE may have had something to do with it. I believe this because my son ( XXXX ) applied for a loan with PNC a few days later and told them he had a {$25000.00} CD on deposit and wanted to borrow {$10000.00} for a new car. He told them he had NO CREDIT history. They told him that he could get the loan no problem. Please look into this matter and contact me if you need any further information.
Consumer complaint received 2016-05-27
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (SC)

PNC Bank mistakenly withdrew over XXXX from my account on a check that was not mine, nor did it have my account number on the check. I am closing on a house and moving today. I called the bank several times this morning and was told the money can not go back into my account for 24 hours. Well this is unacceptable. I needed the money put back into my account swap and explained what was going on. They said sorry, that 's their policy. When I ask to speak to someone else, I was told there is nobody else for me to speak to regarding this issue ( this was customer service telling me ). So now I am scrambling trying to get money together for closing this afternoon and not sure if I will be able to get that much together. They have left me with XXXX money for something they did wrong.
Consumer complaint received 2015-04-15
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (OH)

I wish to file a complaint against PNC bank in particular, but this probably applies to other banks and I am sure many others would have the same complaint. This concerns the way they process the debits and credits to the account and the leveling of very high overdraft fees of {$35.00} per check or debit. 

On XXXX XXXX I had just come back from a trip and had forgotten to make a deposit to my account prior to leaving. I checked my bank balance online and saw that there was {$910.00} in the account. Before the bank closed I made a deposit of {$2300.00} to the account. Later in the evening I went online to download my account to XXXX. The deposit amount was shown as received by teller and a check that I had written for {$1100.00} had not cleared, nor was it shown as pending. The next day I received an overdraft charge of {$35.00} and they claimed that the check for {$1100.00} had cleared on XXXX XXXX. Their online banking had never shown that check. When I told them that I had made that deposit on XXXX XXXX their answer was that I only get {$100.00} of that to apply until the next day. I have argued with them about that but they refuse to remove the {$35.00}. 

On a different account the next day a similar situation happened. I had forgotten to deduct a check I had written. There was a check I mailed to a vendor on Sat. XXXX XXXX. On Mon. XXXX XXXX that check money was debited from my account. I was overdrawn by {$56.00} and they charged my account {$36.00} for the overdraft. I run a business and on XXXX XXXX I had XXXX deposits of {$130.00} that are processed by that bank and go into that account. On Monday XXXX XXXX that XXXX deposit appeared as pending, and they did not count that money as covering the overdraft. 

Here is my concern in a nutshell. The banks can immediately debit my account for checks that I write and mail to a vendor, but checks that are accepted by me and deposited in my account are held for XXXX day and do not apply to my account. That applies to cash deposits as well. If my deposit and a check come in on the same day they count the XXXX but not the other. I understand this would happen if XXXX uses an electronic transfer and set a date for the debit to be made or use a debit card, but checks that are written by someone and ones received and deposited by that person should be handled the same way. Either these checks that are scanned should show as pending on an account the same as any other check, or deposits should be treated as immediately available if overdraw situations occur. The way they are doing it now allows banks to take your money and use it for a day with deposits, but they can immediately cash your checks and remove the money from the account without it going through a pending process. It should be XXXX way or the other to be fair.
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

In accordance with the Cares Act and the Heroes Act, XXXX XXXX XXXX XXXX Account # XXXX ) has violated my rights, XXXX XXXX XXXX  reported 5 late payments on my Consumer Report ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). The reporting of the late payments are damaging and hurting me from purchasing a home for my family. 

Due to the current in place COVID-19 National Emergency, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) of the Cares/Heroes Act, requires creditors to report any account that had a payment accommodation applied to it during the Covered Period as " current '' to the consumer reporting agencies. At the time, I was on an accommodation hardship program with XXXX XXXX XXXX  starting XX/XX/XXXX until XX/XX/XXXX. 

The CARES Act protections require creditors to follow these guidelines for all agreements made between XX/XX/XXXX through 120 days from the date the COVID-19 National Emergency is declared over. The National Emergency has not been declared over as of this date.
Consumer complaint received 2016-06-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION (AL)

I paid {$60.00} to open a bank account online with BB & T. I got an email, after they took my {$60.00} and all my information, stating that I needed to go to the office and verify my address. They made me pay {$50.00} more to open another account because they could not find the account I opened online with the {$60.00}. They said that it is XXXX fault and not theirs. I have talked to the manager at the BB & T in XXXX, AL and talked to the lady who opened my XXXX account named XXXX XXXX. She says over and over that it was not {$60.00} but {$50.00} and that she has sent a fax to regions bank. XXXX XXXX has been very rude to me and probably because I 'm on XXXX. She now says I have to call her back regarding an issue she has with me. I 'm just going to change banks but I need the {$60.00} that was taken from the XXXX XXXX account before I leave. Please help me!
Consumer complaint received 2020-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CA)

We purchased a piece of furniture at XXXX XXXX in XX/XX/XXXX with interest free payment option. The purchase price was {$2300.00}. Our monthly payment was {$83.00}, but we made an automatic payment of {$100.00} a month. We decided to pay off the remaining balance of {$250.00} yesterday. But we logged into Synchrony website, it said we still owed {$1300.00}. I spoke to XXXX at XXXX XXXX this morning and then she transferred me to her supervisor, XXXX . XXXX said that the interest free payment is for only 18 months, which ended on XXXX XXXX, XXXX. Since it was not paid in full on XXXX XXXX, XXXX, she said that there is {$1100.00} of interest charge on the remaining balance of {$450.00}. First off, we were never told that it needs to be paid off by XXXX XXXX, XXXX. But more importantly, how someone can charge {$1200.00} interest of {$450.00}? This is ridiculous. Absolutely deceptive business practice! Who allows them to run a business this way? We already paid the remaining balance of {$250.00} yesterday. We want them to remove the interest immediately and close the account.