davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-07
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

XXXX XXXX were purchased from a XXXX area XXXX XXXX on XXXX/XXXX/XXXX using the 0 % interest offered by Citizens Bank dba Citizens One. These loans were paid off on XXXX/XXXX/XXXX. I have asked for and been promised written loan payoff documentation by several CSRs and their managers between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I have never received that payoff documentation but Citizens One again verbally confirmed payoff this morning, XXXX/XXXX/XXXX, of my XXXX XXXX loans on XXXX/XXXX/XXXX. This loan payoff documentation is now critical since Citizens One sent me an email on XXXX/XXXX/XXXX regarding " XXXX Loan Annual Privacy Notice for your Citizens One XXXX loan '', which indicates that some of their records still show l have open loan ( s ) for the XXXX. Since Citizens One never reported the XXXX XXXX loans to any credit bureau, I also have no credit report showing the loans in the correct status of CLOSED CURRENT. On XXXX/XXXX/XXXX I opened a Citizens Bank CEO Case, number XXXX, and was told I would be contacted within two business days. I informed Citizens Bank and Citizens One that if this issue was not resolved to my satisfaction by XXXX CT XXXX/XXXX/XXXX, I would initiate a CFPB complaint. I repeated that warning to both the morning of XXXX/XXXX/XXXX and again at XXXX CT. I was not contacted and no resolution has been attempted. My latest interaction with Citizens Bank was at XXXX CT XXXX/XXXX/XXXX with a CSR that first told me I had to contact their legal department, and then when legal would not accept the call transfer, told me the case was being handled by the CEOs office and would not let me speak with anyone working the case. This financial organization has had almost nine months to provide the requested and promised written loan payoff documentation. 
Due to lighting strikes in this area, I am submitting my complaint to CFPB an hour earlier than planned.
Consumer complaint received 2017-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (NV)

When I started school I was as not fully informed of my loans. It was not explained to me through XXXX. I received my XXXX in XXXX and now owe over {$67000.00} that when I signed up for school was under the assumption that I would owe {$30000.00}, Not twice that and most of it is interest. Lasr year I signed up for an income based repayment plan and I have {$0.00} payment a month from that. I will not pay what I do n't feel I owe because I was cheated out of being fully informed. I have tried to get an audit from the department of education, filed a police statement for being stolen from by XXXX. I have tried to call the school numerous times and have not had a solid answer. I would not mind paying my {$30000.00} for my loans but I will not be cheated out of another {$30000.00} for a degree I can not even use in my state that I was also not aware of.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXXXXXX Account number XXXX Date openedXXXX  Status Paid, Closed. 
Status updated XX/XX/year> Credit limit {$5100.00}
Consumer complaint received 2016-11-22
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (FL)

I have my mortgage with Chase, they have a system whereby you are able to pay by phone, the system acknowledges receipt of funds on the day the payment is processed subject to you providing you providing your routing number and checking account number. Upon receipt of my statement, Chase reflected that the payment was processed a day later and charged me a {$25.00} late fee. This has happened on XXXX occasions to me this year. In the past when I called they acknowledged a 'systems glitch ' but this time they would not refund the fee after spending nearly an hour on the phone and speaking to multiple agents. How many customers are charged fees like this every month, its an obvious attempt to delay the posting of payments to rack up late fees. I would like the XXXX to investigate my case and the overall business practice here. Since mine is a HELOC, the late fee is fixed, however on traditional mortgages the late fees could be significantly higher. Thank you in advance for your assistance in this regard.
Consumer complaint received 2016-04-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (TX)

They claim this amount due was for a bill incurred during XXXX. However, I have went back many years on my credit and had seen where several collections companies have passed this around. I called and asked if this debt was time barred and they stated they had no idea what that meant and refused to even acknowledge the terminology. I then called the company of who the debt is owed and after much time they determined this debt was from XXXX and written off. Well passed the statue of limitations. The company where debt was owed agreed with me and is sending them a letter to show account balance owed XXXX and they did not hire them to pursue this further.
Consumer complaint received 2017-01-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (KS)

what happened is Ditech, green tree and XXXX has totally screwed up my mortgage since I was in bankruptcy I paid my regular payment in my bankruptcy plus added funds that I was behind and escrow account balances for a XXXX long year period now ditech who you never get to speak to the same person ever keeps telling me that my escrow is always behind and at a {$0.00} amount but I have continued making payments since being out of bankruptcy and even when federally discharged by the federal bankruptcy courts I was paying a higher monthly mortgage payment because that was what the trustee courts of XXXX was paying out then I was informed that {$1.00} was being applied to my escrow because that was an overpayment but yet I was never contacted these companies have to many outlets to throw the consumer off especialy when being XXXX and trying to make ends meet. I guess I am going to have to find an attorney who will work on contingency because I believe ditech, XXXX and bank of XXXX are committing fraud especially on my mortgage none of the numbers add up you never get the same answers from anyone from any of these companies. I believe that ditech needs to acquire a loan for me with an interest rate around what the rates are listed today. Not something they make up and then change their minds, also they keep sending docs with credit reports listing someone else 's credit card I have no credit cards I just got out of bankruptcy last XX/XX/2016 and then discharged XX/XX/2016. I was trying to get cash back but then was informed not available only harp loan available but yet they are slamming me with a XXXX % interest I am currently at XXXX % how is that going to help the bottom line. Because what I read the harp fannie mae they have to give you the going rate of interest which today I believe is XXXX % but yet I am being gaslighted once again this is crazy. So since all of this mess up they need to give me the refinance loan with an interest rate around 3.87 % that is my desired resolution
Consumer complaint received 2019-08-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (MO)

Disputed the inaccuracies of XXXX XXXX XXXX on my credit report with Equifax on XX/XX/XXXX. Company received my disputes on XX/XX/XXXXas it shows according to the certified mail. It is now XX/XX/XXXXand I've yet to hear back. The FCRA gives the company 30 days to respond. I have not gotten a response.
Consumer complaint received 2017-01-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Protection Association, L.P. (WA)

the company which is trying to collect a debt on already deleted file from my credit score, they are debt buyers and purchased a false debt which has been resolved in the past and since they saw my credit scores go up as i have worked so hard to get it they posted an already settled, deleted file as portraying to be different lender or different loan on the same issue from 7 years ago. so far they have only posted on XXXX and i have disputed that yesterday but now my scores went down significantly and it is hurting me due to their illegal report and deceptive practice. 
the claim is already false as i was an employee of the represented company and lived in the company provided accommodation and some equipment was in counted for which was retrieved by them from another employee and i was cleared of the issue. however that company went into different owner ship and the subject was triggered gain with this false claim.
Consumer complaint received 2016-11-21
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Consumer Financial Protection Bureau assisted me with complaint Transaction ID : XXXX back in 2013 due to Bank of America not cooperating with a re-finance request. 
I am now writing due to the fact that after the completion of my divorce the house was awarded to me and is current. After the divorce I had to file bankruptcy due to bills that were accumulated by my ex-wife and she was not required to pay them back due to full XXXX. My complaint with Bank of America is that they will not discuss allowing me to refinance or take advantage of any of the HARP programs because the loan is privately held. Per court order I am required to refinance and remove XXXX XXXX from the title. BofA did allow me to submit an Assumption ( Request Consent to Add/Remove Family Member from Deed/Title ( approved per BofA ). I need assistance pursuing my need to re-finance my home as this is very stressful to be stuck in a situation where I am paying my mortgage and feel vulnerable to the bank.
Consumer complaint received 2016-04-18
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (NY)

i went into chase back to get change the teller asked me for proof that i had a chase account in order to give me change i gave her my chase credit card as proof she gave me the change when i got home i was looking at my account online as saw that she took out {$100.00} out of my credit card as a cash advance when in fact i did n't withdraw any money i went into the branch they acknowledged that the teller had more money in her draw then she was supposed to have and that they will credit me as soon as the charges clear on my account i called the branch a few times trying to speak to the manger with no call back as of yet and no credit
Consumer complaint received 2016-04-17
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY (FL)

Regarding Wells Fargo, XXXX XXXX credit card number XXXX that is apparently 8 days late. According to Wells Fargo I missed the last payment of {$46.00} due on XXXX/XXXX/XXXX. Payment history is XXXX/XXXX/XXXX - {$50.00}. XXXX - {$100.00}. XXXX/XXXX/XXXX - {$100.00}. XXXX/XXXX/XXXX - {$92.00}. The XXXX XXXX payment according to my records was the last payment due to Wells Fargo. 

On Sunday, XXXX/XXXX/XXXX while eating dinner with my family I received a call from Wells Fargo representative XXXX ( ID # XXXX ) attempting to collect the debt of {$46.00}. To my astonishment I quick signed into my online banking portal to assess why this past payment was not made. After explaining to XXXX that according to my records all payments were made ands the debt was satisfied he declined to waive {$240.00} in penalty interest. I requested to speak with a supervisor, XXXX ( ID # XXXX ) who also failed to make any exceptions to the penalty interest. 

After learning the last payment of {$46.00} was accidentally not sent, I immediately triggered a payment to be sent on XXXX/XXXX/XXXX however this was not satisfactory to XXXX or XXXX. This is the fleecing of America. 

Respectfully requesting regulatory support to identify a genuine honest mistake for the relief of {$240.00} in penalty interest. 

This is simply not fair. Anyone with common sense will see that this was a genuine mistake.
Consumer complaint received 2016-11-21
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: SUNTRUST BANKS, INC. (VA)

This is complaint against Sun Trust Bank. XXXX accounts were fraudulently drained of {$200000.00}. between XXXX XXXX and XXXX XXXX. Some of the money has been returned to the account in the form of provisional credit {$26000.00}. The remainder has not been returned. It has been four months and Sun Trust will not return calls from fraud investigator. Case # XXXX
Consumer complaint received 2017-01-26
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (NY)

TD Bank is where I have my checking account for my small business. 
The nature of this complaint is that TD Bank has deceptive online accounting processes that purposely inflate your actual " Available Balance '' which allows XXXX to over-write checks or over-make online bill-payments or over-withdraw from ATMs which then encourage you to dip below their monthly minimum balance of {$1500.00} to avoid paying a $ XXXXmonth fee if you EVER ( even for 1 minute ) dip below a balance of {$1500.00}. The gist of the issue is the following : Your main " Available Balance '' is always higher than it actually is if you use their online Bill Pay system which is outsourced to a 3rd party vendor. Why is this? Because when you make an online Bill Pay, they do not immediately debit your account for that amount for 5 days! Yes, 5 days! Why it is not instant is beyond me. Even if the funds are n't debited, your " Available Balance '' should reflect all of your online Bill Payments in real-time or at least within hours. To lag 5 days encourages you to always see that you have more money in your " Available Balance '' than you do. The net effect of this is that I have often dipped below my {$1500.00} minimum balance and been charged a $ XXXXmonth fee for doing so. The fee is charged whenever - even for a minute - your balance dips below {$1500.00}. Well if the online messaging shows " Available Balance '' AND shows that your Bill Pay status is PAID, XXXX would think that your " Available Balance '' amount would be accurate. Yet, each online Bill Payment has a 5 day lag. I have notified TD Bank of this sleazy accounting and they have done nothing. 

I have uploaded 3 screenshots with a date and time on the first XXXX. 
1 ) The first screenshot shows my available balance of {$4500.00}. It also shows no mention or accounting for a {$1000.00} payment to XXXX on XXXX/XXXX/2017. 
2 ) The second screenshot shows NO PENDING PAYMENTS of any kind within my Bill Pay section of their system. 
3 ) The third screenshot shows that my XXXX {$1000.00} payment ( made on XXXX/XXXX/2017 ) status is PAID, but wo n't be delivered for 5 days! This amount is NOT reflected in my " Available Balance '' for 5 days. This goes for every bill pay I make. So the more online Bill Pays you make, the more often you risk over-withdrawing, over-check-writing, or over-bill-paying and dipping below the monthly minimum balance of {$1500.00} needed to avoid a monthly fee of {$25.00}. So the more you transact, the more chances you have of dipping below {$1500.00}.
Consumer complaint received 2021-02-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (WI)

My husband lost his job due to the pandemic back in XX/XX/XXXX last year. I contacted Mr. Cooper on around XXXX or XXXX because I couldnt keep up with the payments. They offered me the option to apply for hardship due to Covid 19, but the way they offered it, deterred me because if I choose that option it meant I had to pay 3 months at once. Where was I going to get that money from? I asked for a loan modification or refinance. They worked with me on both, but because I wasnt making enough, I wasnt elegible to refinance. Really? Thats the point of refinancing, to have a lower monthly payment to be able to make the payments. Then they said I wasnt elegible to have my loan modified because I have to be at 80 % of my mortgage payment. Meaning I will have to pay about {$25000.00} to be at 80 %. To top it off, they wont let me make my property tax or home insurance payments on my own. Meaning they have rights over my own money that I dont have, they decide what I do with my own money and what I cant do with it. Mind you, I have been trying to solve this problem since XXXX or XXXX. I even told the guy, I wont be able to make the next month mortgage payment, I wont have any money, his answer, there was nothing they could do. And to make things worst yet, now they sent me a letter that because my escrow account will be short {$230.00} next year, because my property taxes and home mortgage went up, my monthly mortgage will go up from {$1200.00} to {$1200.00}. If I cant afford to pay my previous payments, how in the whole world they think I will be able to afford the new payment? We have been living out of credit cards all this time because unfortunately my husband hasntbeen able to find a job, and because he was working independently, he is not elegible for unemployment. We are in a really bad situation and I cant believe this lender with its predatory practices, is trying to profit from vulnerable customers, and in the middle of this horrible pandemic. Like if it is not stressful enough already. What is their end goal? To make people desperate enough to just give up and lose everything they have worked so hard for? Or to drive them crazy? There is something really wrong with this company, and they need to be stopped before they inflict further damage on people.
Consumer complaint received 2016-11-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (OR)

An account was opened with part of my information, not even all of the correct information and I closed immediately after. I never received service from XXXX XXXX, was never hooked up to XXXX XXXX, and never had a valid account. However they sent me a bill, when I called to dispute I was given the run around and transferred from department to person over and over then eventually hung up on. I have been hung up on multiple times while trying to call them to dispute this. I have sent emails to their company where they either do not respond, or tell me that the issue has been resolved. Only to find that I get another bill. I called again and was finally told the issue was resolved and my name ( even thought not even spelled correctly ) had been cleared. I had't received a bill in months, only to now get a letter from a debt collectors agency. When I called XXXX XXXX again to speak with a higher up manager, they hung up on me, again.
Consumer complaint received 2021-02-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (GA)

I have been contacted multiple times in the last year by Synchtiny financial for a debt that has been in repayment through XXXX XXXX XXXX  since XXXX/2019. They agreed to the payment date and amount with the company, and will frequently change the day they want paid every few months and call me saying they haven't received payment. XXXX pulls on the same day every month and pays my creditors on the same day every month. They have never mailed me anything. I receive between 5 and 10 calls per day until I have to get forceful, get a reprieve for maybe 2 months, then this starts all over again.
Consumer complaint received 2016-04-18
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: FMA Alliance, Ltd. (CA)

XXXX XXXX XXXX provided a credit card to a company XXXX. They state that the firm owes them some {$4000.00} and have turned the collection over to FMA Alliance, LTD of XXXX XXXX XXXX, XXXX, TX XXXX. Their file # for the issue is XXXX. 

FMA refuses to provide me a copy of the signed application for the original loan / credit card. The card was issued in the name of the company and therefore I suspect the application was signed as an XXXX of the firm. 

It is their desire, of course, to have me pay this amount personally. I was willing to do so and told them as much provided they could show me that I signed for the card personally as an individual. They show me nothing so either they do n't have it or it was signed as an XXXX of the firm and they do not want me to see it. 

Their " threat '' is that this will be turned over to the credit bureau 's and this would severely damage my credit report. 

My request is that you do whatever is necessary to get these people to stop calling and harassing me. 

I am a reasonable person and have never such a complaint in XXXX years of adult life. 

Please get these people to stop calling and requesting money from me. 

Their phone # is XXXX. On occasion I have spoken with managers at XXXX, extension XXXX. 

Thank you.
Consumer complaint received 2016-04-18
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: TD BANK US HOLDING COMPANY (MA)

I made a wireless transaction through my checking account ( TD Bank ) on XXXX XXXX 2016. The money was not transferred to the recipient, it is 2 months since. There was an error in the account number but the bank name, branch, address and name were correct. TD bank has not been able to return the money back to my ( sender account ) or provide a resolution in a timely fashion. TD bank did not pursue this matter, and the only time they get in touch with me ( customer & initiator of wireless transaction ) is when I call or see them at the bank.
Consumer complaint received 2016-11-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: SUNTRUST BANKS, INC. (TN)

XXXX XXXX XXXX HAS REPORTED TO MY CREDIT THAT I OWE {$760.00} FOR SOMETHING THAT I REPORTED AS FRAUDULENT TO SUNTRUST BANK OVER 3 YEARS AGO. I HAVE DISPUTED THIS MANY TIMES AND THEY HAVE NOT RESPONDED. THIS IS AFFECTING ME FROM HAVING A GOOD CREDIT SCORE, AND IS THE ONLY COLLECTON ACCOUNT SHOWING ON MY CREDIT HISTORY