davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-21
Product: Credit card — 
Issue: Billing statement — 
Company: BARCLAYS BANK DELAWARE (CA)

XXXX XXXX XXXX has moved my credit card to XXXX WITH BARCLAyCARD. I filed a complaint with XXXX XXXX and they referred me to XXXX stating all statement and information has been changed over to Barclay. When I contact Barclay they say they only have records as of XX/XX/XXXX when they merged and they refer me back XXXX. I am stuck in the middle I need my credit card statement From XXXX XXXX thru XXXX XXXX. I was paperless with XXXX. I do n't know what to do and this is not fare and I am being sent back and forth and no one is helping me.
Consumer complaint received 2016-08-09
Product: Credit card — 
Issue: Credit determination — 
Company: BARCLAYS BANK DELAWARE (GA)

I 've spoken with Barclays Bank office of the President. Who clearly stated that my last payment on this account was XXXX XXXX. I 've found Consumer Protection financial bureau statement in your file your file dated XXXX XXXX. Where Barclays Bank verified my last payment on XXXX XXXX, XXXX and they told you that since there where no other payments from XX/XX/XXXX-XX/XX/XXXX that they charged the account off. If Barclays told CPFA one thing in XX/XX/XXXX and lied about in XX/XX/XXXX. That 's a deception, inaccurate lie that this company is reporting to XXXX and XXXX. CPFA case # XXXX. Please look up information to show that Barclays had to the govt and continue to lie to me and the CRA Bureaus. Contact the lying office of the president at XXXX.
Consumer complaint received 2015-11-14
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (IL)

Synchrony Bank repeatedly calls multiple times a day, sometimes about every two hours between their allotted harassing time. They always use a masked telephone number, presumably so I ca n't block whatever number they are calling from. Since my cell phone is also my work phone, their repeated calling disrupts my everyday work.
Consumer complaint received 2015-07-02
Product: Credit card — 
Issue: Billing statement — 
Company: BARCLAYS BANK DELAWARE (FL)

I received a XXXX from the Barclay Bank located in XXXX, Delaware in XXXX of this year. Between the months of XXXX and XXXX, these are my actual charges I made on this XXXX account : {$500.00}, {$100.00}, {$470.00}, {$620.00}, {$480.00}, and {$48.00} ( total of my charges {$2200.00} ). My total line of XXXX was {$2500.00} ( {$2500.00} minus {$2200.00} = {$260.00} ). The available balance on this account is only {$260.00}. Then, I received a letter in XXXX that my line of credit has been reduced by {$800.00}, and my new line of credit is now {$1700.00}, with around {$300.00} available credit left. I did not add any fees or interest with my charges, because any fool just made up fees and interest that were not right. When I asked how they got the fees and interest, I never got a straight answer. None of the statements will be accurate, new fees and interest are just put on the account each month. I make payments each month on this account, on time and with no late payments.
Consumer complaint received 2016-07-13
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BARCLAYS BANK DELAWARE (FL)

I recently checked my credit reports as i have not done so for many years and find that this account is reporting inaccurate information which is causing a negative affect on my credit. 
I request that the creditor verifies the information it is reporting and provide me with copies of the account details such as when it was opened and the payment history as this account is unknown to me, i have no records of owning this account.
Consumer complaint received 2016-07-07
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (GA)

I have asked for validation and verification on several occasions and these individuals have not been able to validate and verify pursuant to 15USC1692g, and 15USC1681. This DEBT COLLECTOR XXXX or any of their constituents have not been able to give me anything that substantiates information I have asked for. So this DEBT has sufficiently been disputed. 
This DEBT COLLECTOR XXXX has sent dunning letters saying I owe them money because they bought this from some other individual. These individuals have put entries into my personal credit reports and they have been successfully disputed but they still show up as my account. I did not give them my private non-public information so I do not appreciate this being sold to this CORPORATION according to the FDCPA accounts ca n't be sold. This is IDENTITY THEFT PURSUANT TO 16CFR603.2. They do not have the authority to go into my credit report and put in anything that is why they must stop this non-sense. I have asked these DEBT COLLECTORS to CEASE AND DESIST contacting me but they continue to do so. 
They have harmed my consumer purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I am not in COMMERCE where the Person is buying from one CORPORATION TO ANOTHER for BUSINESS with another CORPORATION. 
I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, embarrassed, abused and I do not sleep much because of my Credit Report being torn apart just because I want to secure things for my personal, family or household use.. I did not give my permission for this DEBT COLLECTOR XXXX to contact me pursuant to 15USC1692c. I never asked this DEBT COLLECTOR XXXX to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
This Debt Collector continues to try to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR XXXX this is aiding and abetting with another to commit fraud on the Consumer who is a natural person is a crime. 
THIS DEBT COLLECTION AGENCY ONLINE COLLECTIONS DID SHARE THIS INFORMATION WITH ALL XXXX CREDIT REPORTING AGENCIES. 
Because I did not contract with this DEBT COLLECTOR PLEASE DELETE THIS ERRONEOUS, INACCURATE INFORMATION OUT OF MY CREDIT REPORT. A DEBT COLLECTOR CA N'T PUT INFORMATION IN A CREDIT REPORT UNLESS THE CONSUMER HAS CONTRACTED WITH THEM WHICH I DID NOT DO.
Consumer complaint received 2016-10-19
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (UT)

I am a XXXX year old female who was attempting to apply for refinancing my home. Quicken Loans would not progress with the application until I provided the names of any ex husband as well as the dates I was married to them. I claimed sexual discrimination explaining that the last marriage was 27 years ago. They would not proceed until the information was provided.
Consumer complaint received 2017-04-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ProCollect, Inc. (TX)

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 
I am a victim of identity theft and noticed a collection from Pro Collect. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against Pro Collect in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2021-10-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Blitt and Gaines, P.C. (IN)

I was informed by a family member that there was a lawsuit filed against me by XXXX XXXX trying to collect money from me on an account that first off is currently being disputed, which they should t be trying to collect during this time. XXXX XXXX has been given all the proper documents and evidence to prove that I was incompetent at the time of opening the line of credit an led it was performed by an assigned fiduciary that was in control of all financial affairs. On the legal documents it states I was not incompetent in which I have shown them and the CFPB otherwise. I have filed an ID theft report affidavit under oath and sent it along with a request for a credit block to all three CRAs with zero success. All they do is the same procedure as for a dispute not what they are supposed to do by law. These credit collection techniques they have been using and laws they are refusing to follow are pulling myself and family through enough emotion and self despair and trauma. I have again attached document to this complaint in hopes that someone will take this seriously and help me with this issue Ive been dealing with that just keeps ruining my life and credit even more Avery day of my life. First they theft of ID from a fiduciary assigned due to incompetency, then abusive techniques performed by the CRAs and creditors/collectors for things I have no control. over while incompetent and being treated after discharge from the military. Please someone go after the old fiduciary and not me for these things for once and give me the relief I deserve instead of these illegally filed lawsuits with false statements and lies on them that they get away with all the time!!
Consumer complaint received 2015-07-28
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC (MT)

After successfully completing over two months of a full documentation mortgage loan application process my loan was approved on XXXX XXXX 2015. This cash out 60 % LTV refinance is needed to complete a remodeling project on my property which I have owned for over 23 years. XXXX XXXX XXXX, Loan Depot 's loan processor assured me I was approved and final loan closing documents would be drawn up as soon as I cancelled four of my five credit cards that were to be paid off in the loans close. I immediately cancelled the four credit cards they specified even though I was told it would be impossible to reinstate them and that this action would negatively affect my then good FICO credit score. XXXX XXXX the loan processor pushed me to obtain emailed and or faxed confirmations of these credit card cancellations which was successfully completed on XXXX XXXX. On XXXX XXXX after nearly three weeks of excuses I was amazed to hear XXXX XXXX 's explanation that the property appraisal was being reviewed causing this delay. After another five exhausting weeks of phone calls and emails asking for an update I was told on XXXX XXXX that their appraisers comparable ( comps ) were not acceptable to Loan Depot and the loan was being declined because of this. This cancellation caused me to be damaged on several levels starting with my FICO score being negatively affected because the lender required me to cancel credit cards as the only condition of final loan approval. In addition Loan Depot required me to rewrite at additional cost my hazard insurance policy with additional conditions and coverage. 
The facts have become clear after I have looked into this which are disturbing. I agreed to pay whatever the cost was for a professional appraisal and paid a deposit of {$390.00} to begin the process, I was contractually obligated to pay whatever the cost was for a professional fee appraisal. As far as I can ascertain Loan Depot through its XXXX appraisal agents was the cause of the the unacceptable appraisal by restricting the appraisers fees offering a substandard fee causing a low end appraiser located hundreds of miles from the property to be the only appraisal service willing to do the work. The appraiser they selected was not a member of the local local XXXX XXXX XXXX board. There are many local Montana real estate fee appraisers when it comes to these unique properties but they hired an out of area appraiser simply because of the low cost, this cost was mine not Loan Depot'sMy damages are ongoing after nearly five months time passing when this could have been finished in two months because of Loan Depot 's actions. This has caused me XXXX dollars damages in lost time, emails, phone calls and more. 
I am ready to proceed with a loan closing in order to rectify this, not wanting to to resort to a costly lawsuit with XXXX XXXX for its disregard to its fiduciary obligations to me. Kindly help me with this or refer me to whoever you feel may be able to help me proceed.
Consumer complaint received 2015-03-24
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (NY)

One and a half years ago, I refinanced my primary residence with Quicken Loans, Inc. Since that time, I have heard a number of advertisements on the radio that Quicken " will refinance and eliminate PMI at little or no cost ''. In addition, I have also received a letter from Quicken 's President, XXXX XXXX advising that " when I closed my loan with Quicken ( 1 and 1/2 years ago ), I became eligible for a RATE DROP ADVANTAGE program at today 's low rates ''. 
However, since I began the refinance process two months ago, the various personnel at Quicken have been evasive and unresponsive : 1- I have already dealt with XXXX different representatives by supplying requested numerous documents and service requests costing over {$1300.00} so far ; 2- they refuse to discuss the letter granting a rate reduction ( maybe that will happen in another 2 years so that I will have to refinance again ) ; everytime I provide a document that has cost me, they come up with another that is " required '' ; and, we never get to the end of the process -- meanwhile, along with the monthly mortgage payment, I am still paying the PMI ; 3- their representative, XXXX XXXX, recommended a VA loan as the " way to go '' -- is this any way to treat a veteran?
Consumer complaint received 2015-04-02
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (IN)

I bank with PNC Bank. I have for 10 years. Recently .... They continue to take money from my account. I have had {$930.00} taken in past 2 weeks. I have had XXXX {$36.00} fees ( {$140.00} ) totalling {$540.00} just on the same XXXX checks. These fees include a {$36.00} overdraft fee and {$36.00} return check fee on XXXX separate occasions. They attempted to put the check back through when there was no money to cover them. I have an automatic deposit each week. I looked and the deposit went the through last night for this week and the next day my card was declined. They fabricated XXXX overdraft fees ( {$140.00} ) which made my account negative {$88.00}. The account would not be negative if not for these fees. I can not pay my utilities. I have XXXX XXXX children and can not afford food electric or water. I have had a negative balance for 2 weeks and they have charged several {$21.00} fees for maintianing a negative balance and an additional numerous if not daily {$7.00} fee for the same reason. I have paperwork to show these fees. I need help. I ca n't close account with outstanding checks and ca n't make deposits without them taking it all for themselves. PLEASE HELP ME. I need this money back to care for my XXXX children.
Consumer complaint received 2016-04-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: RAB, INC. (MD)

The regional Adjustment bureau continue stop calling me incessantly. The called 50 times in 10 minutes even after speaking to them. They are accussing me and my father of owing somethin we do n't owe. They are verbally abusing and harassing me, my family, and people in my office. They were extremely aggressive and extremely rude. 

XXXX
Consumer complaint received 2016-03-31
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: PNC Bank N.A. (FL)

Pnc bank. I have a XXXX and have been 30 days late on my car payment. This company starts calling me at XXXX. On XXXX they called twice. The payment was made at a PNC branch on XXXX/XXXX/2016! The payment is now caught up. I asked that they stop callin and they refused!
Consumer complaint received 2016-03-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: PNC Bank N.A. (WA)

A party calling themselves XXXX contacted a 3rd party regarding student loan debt at their Home ( showed up at the doorstep of a family member of the person who received the student loan ) asking for XXXX on XXXX/XXXX/16. The sister is not XXXX 's wife or attorney making this contact illegal. The same sister was called several times on XXXX/XXXX/16 and would not divulge their purpose. Again illegal. Further investigation found this company to actually be PNC financial services. This came after XXXX 's wife asked PNC to cease contact with her as XXXX was away on a XXXX. PNC has been consistently harassing XXXX even when he is away at XXXX sometimes for as long as 6months. This is harassment on every legal.
Consumer complaint received 2016-03-08
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC (CA)

I informed ( via phone ) Stearns Lending Co. that they had incorrectly recorded my mortgage insurance premiums on my XXXX on XXXX/XXXX/2016. I was told to send an email to XXXXXXXXXXXX. I did so on XXXX/XXXX/2016 and received an acknowledgment that my email was received and that my issue was being managed. As of XXXX/XXXX/2016, the form still was not corrected, so I emailed again. As of XXXX/XXXX/2016, the form was still not corrected, so I called and the agent told me a supervisor would call me in 48 hours. I emailed again that day, as well. I never heard from a supervisor at Stearns. As of XXXX/XXXX/2016, I sent multiple emails and called. I was transferred to a supervisor 's voicemail who never returned my phone call. As of today XXXX/XXXX/2016, the form is still not corrected. I have emailed yesterday and today. I do n't know what to do at this point since no one from Stearns will correct the form, even though the representatives that I have spoken to on the phone have acknowledged that the form is wrong per their records ( but it 's another department that corrects XXXX forms ).
Consumer complaint received 2016-07-28
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (VA)

A few months ago, I had an overdraw on my checking account at PNC bank. I filed a complaint to the bank saying that I rarely overdraw and if there was any possible way I could be reimbursed for the overdraft. While I was waiting for an answer back, they added another charge on the account for the overdraft even though my complaint was not answered. Finally, an employee got back to me about my overdraft case via telephone, but the line got disconnected, and the man never called me back. From what I have gathered by contacting PNC multiple times to resolve this problem is, this man decided that the charges on my account were valid and would not give me a refund. He did not explain this to me or have the decency to call me back, and every time I tried to get this problem resolved they said there was nothing they could do because the man I spoke to already made the decision to not reinstate the funds. I was charged with over 100 dollars in banking fees because of this issue. I have called the company to complain about the issue, which the representative told me she would file a complaint about the disconnected call and how the man never called me back, but I never heard from them again. 
Furthermore, when I started the account the PNC employee that set up my account gave me the most expensive checking account, claiming it was free because I have a mortgage with them as well. When I sold the house and no longer had a mortgage through this bank, they then began charging me banking fees. I went into the branch twice to switch my account to a student checking account or a basic one, and each time they told they would, yet they never did and I was still charged the same monthly banking fee. 
I have since canceled my account because of the extremely poor customer service. I also tried to retrieve the banking statements from the month of the overdrafts, but my account login does not work now.
Consumer complaint received 2015-11-16
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A. (OH)

On XXXX XXXX, 2015 I contacted PNC bank because I saw a charge from XXXX in the amount of XXXX. I contacted my bank to let them know that this transaction was not authorized by me. PNC bank removed that transaction. I asked the representative how XXXX was allowed to post a transaction on an expired debit card. I had used this debit card a couple years back to purchase the online version of the software. It looks like the automatically sign you up for automatic renewal.My debit card ending in XXXX expired on XXXX. 

In XXXX of 2015 I received a new debit card ending in XXXX with a different expiration date. I has awoke from sleep the morning to find that PNC post the transaction of XXXX and I incurred XXXX XXXX fees associated with that transaction. I with into the XXXX site and login to find they had my new expiration date ( attached document ). Until today I had not logged into XXXX 's site since filing my taxes in XXXX of 2015. I am very curious to know how XXXX acquired my new expiration date because they surely did not receive it from me. 

I was advised by XXXX that if your credit card is expired, your bank can authorize a charge and also update the new expiration date. I was told that they can do this without notifying the customer. I believe that customer should be notify and have the opportunity to say no to this service just lilt opting in or out of overdraft protection.
Consumer complaint received 2016-04-23
Product: Credit card — 
Issue: APR or interest rate — 
Company: PNC Bank N.A. (PA)

Was offered a credit card from my current bank, PNC, XX/XX/XXXX. The offer was 0 % interest until XX/XX/XXXX and 0 % on balance transfers as well. Then an APR would apply after that date. I applied for the card and was approved ; talked to someone on the phone during this process and they confirmed the terms of the card. I transferred a rather large balance ( which I paid a fee for ), then used the card for some purchases. And now they are charging me interest on the those purchases!! I called PNC and they insist they did not send me an offer to what I described - which I know for a fact they did. I have XXXX banking accounts with PNC and have been a customer for 30 years, before they were even PNC Bank. I absolutely would not have opened this card - the card I was using before I opened this one had a lower rate than what they are now charging me. The ONLY reason I did it was because of the 0 % on purchases. VERY unhappy with this situation.
Consumer complaint received 2015-04-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc. (TX)

The collection to XXXX XXXX was added XXXX. Duplicated. {$720.00} was paid in 2014 and closed, but since there was a duplication of the same collection, it still shows I owe {$620.00}. How do I get the duplication removed. I have talked with the collection agency several times and I 'm told it will be removed. Please help as I do believe this is hurtng my credit rate. Thank you so very much.