davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-18
Product: Credit card — 
Issue: Other — 
Company: SUNTRUST BANKS, INC. (TN)

I have a credit card with Suntrust bank with a {$2500.00} limit. About {$2000.00} is on the card. Minimum monthly payment was about {$59.00} - I 've been paying {$65.00} a month on time for XXXX years with no lateness. Was XXXX late in XXXX of this year - by mistake, did n't realize they 'd be close due to a holiday - bank assessed a {$35.00} late fee and raised my minimum payment. In XXXX was also XXXX day late due to XXXX that closed almost all business in TN. ( I live in XXXX ). but for the past XXXX months they 've still gotten {$65.00} every single month, only being late those XXXX times. Still, they assessed {$140.00} in late fees - and have raised the minimum to the point where I ca n't pay it - even after they 've been getting paid for XXXX months absolutely on time. They did agree to waive the late fees but even after paying my normal payment they 're insisting I pay them {$75.00} more this month or they 'll continue to assess " late fees '' and wo n't adjust the minimum payment. they claim there 's nothing they can do - and they wo n't guarantee my minimum payment will go back to where it was. I 'm between jobs and struggling to pay my basic bills - do I have any protections here? It 's not like I was weeks or months late - and it seems to me if they waived the late fees, it 's admitting they got paid. For them to act like the 'minimum payment ' they 've ( arbitrarily ) set is somehow beyond their control seems ludicrous. I still have good credit, and have XXXX other loans with them, both of which have been paid on time for years. 

help! 

best, XXXX XXXX, TN
Consumer complaint received 2015-10-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (MI)

From a letter to you on XXXX XXXX, 2015, stating that I was waiting on a loan modification and was three months behind on my mortgage. The XXXX XXXX XXXX will pay these payments. I faxed paper work to Seterus, Inc., on XXXX XXXX, 2015. They gave me an email confirmation but it has been 25 days and this paper work has not been returned to me. Once I brought CFPB in to make an inquiry I felt this company would try to mess me around. The last time I talked with Seterus on the phone they wanted me to comment on a bank statement I sent to them some time ago. They asked for a bank statement and XXXX Awards letter. They did not state that I should comment on any of the documents sent to them.
Consumer complaint received 2015-10-24
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Empowerment Ventures, LLC (NY)

I lost my card two days ago, there was {$940.00} on it. I tried to call right away to have a replacement mailed and to have that card blocked but I kept getting hung up on or I 'd get through and wait, and after XXXX minutes of waiting, I 'd still get hung up on. What if someone would 've found my card? I would 've been screwed because I was n't able to get a hold of someone right away. I trusted these people with my money and what 's worse is that I get outsourced to people in the XXXX or XXXX. I finally got a hold of someone just now after XXXX minutes of waiting. This is unprofessional and now I have to wait to pay the rest of my bills. I still ca n't access my account online!
Consumer complaint received 2015-06-18
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NC)

I am a housing counselor for a non-profit hud certified housing counseling agency representing a client with Carrington Mortgage who has applied for a loan modification ; ( the loan mod process started with XXXX and then transferred to Carrington ) we have both contacted the lender repeatedly and on XXXX XXXX, they finally stated they had a complete package and they were waiting on the irs transcripts and title search to come back. Then on XXXX XXXX they closed the file for not us not providing documents. I have called with the client on conference with the lender and was advised the spoc had incorrectly notated the file and they did n't have all the documents and closed his file. They had mailed him another package and advised us we had to completely redo another file in order to be reviewed. I argued why should we have to start all over again when you already have all the information. I asked to speak to a manager and was adv one was not avail they were in remediation and that they would have to call me back. I also asked to be put to the spoc and she did n't even attempt to get her on the phone. This is the XXXX time they have made us restart and now are wanting it done a XXXX time. This client is/was current at time of submission.
Consumer complaint received 2015-10-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc. (WA)

I had my old apartment stripped and robbed top to bottom along with the XXXX equipment and instead of inquiring with the police department like they were supposed to they sent the debt onto a collections agency charging me personally for the stolen equipment. 

I notified XXXX of this and they did n't care that someone had been charged and sentenced in the theft of their property they just want to blame me while blindfolded and ear-plugged to all reality. 

I think they just do n't care about their customers at all and its just quicker/easier to condemn the first name they see on their screens rather than investigating or contacting the customer. I never received any communications from XXXX alerting me to their internal decisions or reasoning. And without notification they ruined my credit by placing a collections for XXXX dollars. 

I will never be able to pay this amount nor should I legally be held liable for stolen property that a criminal has been charged and held responsible for by a court of law. If the government is unable to persuade you into doing what is right then I will find justice with my lawyers.
Consumer complaint received 2015-06-18
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (GA)

My name is XXXX XXXX and I live at XXXX XXXX XXXX in XXXX, GA XXXX and my lender is Wells FArgo with a loan number of XXXX an im a victim of malicous illegal acts done by my lender. After a year of communication trying to get a more affordable mortgage to keep my home Wells Fargo has lead me on a path to ultimately take my home. It was determined after a year that they denied me ( according to XXXX in the rentry department ( XXXX is the number she gave for her id ) for a program saying that XXXX nor XXXX loans have programs for individual who has an origination date of XXXX XXXX and on. If this was the case then all that was done was a elaborate waist of time to the point where my mortgage is so far behind ( because XXXX informed me that on XXXX XXXX that file needed to be deliquent 30 days or more to submit for a modification so I had to stop making payments just to get help ) it makes is almost impossible to catch up. I was also told that my income wasnt sufficient so I was able to get more income by obtaining a roommate and was told once I did this to provide the proof with bank statements, lease, and utility bills.but even when I did this I was told I couldnt and wouldnt be look at for the program. It is my understanding that the reentry team has hard decline my file in an attempt not to allow it to be looked at again. I have had a modification in the past and it still didnt help my affordability so I applied for another XXXX and now they give me the reason because I have a XXXX loan and it was originated after XX/XX/XXXX that I dont qualify for any programs. Then on the very next day XXXX XXXX I receive a letter in the mail saying that I was turn down from assistance because there wasnt a sufficient change in circumstance but the fact is that my circumstance was never reviewed because upon asking for other documents to place in the review process I had already been turned down by this department so noone ever looked to see if my circumstance had truely changed which it did. The big issue is that if fannie mae doesnt have a program for me because of my origination date then it doesnt matter if I make XXXX times or XXXX times the payment I would never qualify and this all would have been a complete waist but this doesnt seem tru because as I stated before Ive gotten a modification before so whats really going on. So there are truely unexplained situations, indifferences, going on internally and now Wells has a foreclosure date set for XXXX XXXX. At this point I have no choice but to alert all for as a senior citizens that just wants to keep their home Im truely bei8ng done wrong.
Consumer complaint received 2015-11-29
Product: Credit card — 
Issue: Other — 
Company: Continental Finance Company, LLC (IL)

`THIS HAS BEEN AN ONGOING DISPUTE WHICH CONTINENTAL FINANCE HAS BLATANTLY BEEN VIOLATING MY FEDERAL RIGHTS TO HAVE THIS GOOD STANDING ACCOUNT REPORTED! 

Since XX/XX/XXXX XXXX, XXXX ( I have all documentation ) I have been disputing and corresponding with a supervisor name XXXX regarding my XXXX credit card ( XXXX ) being reported to all XXXX bureaus. I have been emailing and sending documentation to him ever since. he has been telling me he will have it reported but has not. From the very beginning XX/XX/XXXX when I noticed on my credit reports it was not being reported I contacted continental finance. initially, it was n't being reported to both XXXX and XXXX. its since been reported to XXXX but still not to XXXX. XXXX XXXX, supervisor at continental finance informed me XX/XX/XXXX that continental finance was in fact, reporting it but XXXX had a security block and that was the problem why its not reflecting on XXXX ( I have a ltr from continental finance dtd XX/XX/XXXX ) I then disputed XXXX and received results on XX/XX/XXXX XXXX, XXXX ( report number XXXX ) and the concluded their was in fact NO BLOCKS WHATSOEVER! 
Since XX/XX/XXXX XXXX, XXXX ( have documentation ) I forwarded the XXXX results stating no blocks and wrote/contacted XXXX XXXX and noted their was NO BLOCKS!. I BEEN PLAYING PHONE TAG AND AWAITING BROKEN PROMISES FROM XXXX XXXX EVER SINCE. 

IN CONCLUSION : Their are no blocks on XXXX end! continental finance states a block is the reason it s not reflecting on my credit report. this is an old account with many years good standing. I HAVE BEEN IN TOUCH WITH CONTINENTIAL FINANCE REQUESTING/SENDING DOCUMENTATION SINCE XX/XX/XXXX XXXX, MORE RECENTLY IN XX/XX/XXXX XXXX, XXXX LTR AND COPY OF DOCUMENTION REFUTING THEIR CLAIM OF A SECURITY BLOCKTHEY BLATANTLY REFUSED TO COOPERATE WITH FEDERAL LAW AND REPORT THIS ACCONT ON MY CONSUMER REPORTS!!!!
Consumer complaint received 2015-06-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, I 'm having some trouble with bank of America ( my mortgage lender ). They admitted to their mistakes but when it came to fixing my credit from their mistakes they are giving me the run around. I had a auto draft system in place to pay my monthly bills and had no lack of funds at all times. But for some reason bank of America did n't take the mortgage payment off the auto draft, and said we defaulted on payment ( XXXX times ) and our credit was dinged XXXX times because they did that. I 've had this loan for more then XXXX years and have always been on the auto withdraw payment system and never had a problem. I 've always had sufficient amount of fund so i did n't need to ever bother to check. They said originally it was due to lack of funds but we showed the statements that we had sufficient funds. Through many difficult phone conversations, which were recorded by them, ( after speaking with the supervisor ) they finally admitted their wrong doing but they said they ca n't do anything for us in fixing the credit dings. They just gave us an XXXX number to do it ourselves. Id like to report them to you guys because they are not helping us at all clearing those defaults on my credit which was put on incorrectly due to their faults. There were sufficient amount of funds and when they forgot to take it out they made it like it was our fault. the funny thing is they later on did go ahead and took the money like few days later and then again did n't take it out the following XXXX months. this is so frustrating. I 'm signed up as auto withdraw and had sufficient amount funds. what more must I do. I do not want them to just get away hurting my credit scores. I 've spoken to them over the phone and has asked to put my payment on auto withdraw and they assured me that they will fix it but to this date I am getting a pay by mail ( bill ) sent to me. I speak XXXX as my main language. please have them call me with a XXXX speaking representative.
Consumer complaint received 2015-09-08
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

According to my paid subscription to TransUnion 's credit monitoring my credit score on XXXX XXXX, 2015 was XXXX. When XXXX XXXX bank pulled the score ( and I confirmed with XXXX underwriting department that all they did was use the score provided by TransUnion and did not generate the XXXX internally XXXX the score provided to them from TransUnion was XXXX. TransUnion can not explain the difference. They said XXXX must have used their own model. XXXX did not. Because of the score TU reported to XXXX I was denied credit. TU claims that the score they show the customer via their credit reporting membership service and the one potential lenders see are the same. However, they are not. They are n't even close!
Consumer complaint received 2024-10-28
Product: Credit reporting 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. (NY)

My complai nt is that equifax has not valadate my i formaton on my credit file other creditor or having troble a cessing .y credit repoet my social is XXXX date of birth XX/XX/year> address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-06-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My credit card has been fraud antsy charged for XXXX year for XXXX without my permission. I went to bank spoke with banker and they were going to contact XXXX and investagate thus far I have not reviewed any assistance or refund reflecting my credit card. I did not authorize the transaction at all. Nor do I watch XXXX. Please help me to find out why Bank of Anerica is negligent in following proper ethics and XXXX in credit card fraud reflecting their bank issued card?
Consumer complaint received 2015-10-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Transunion, like XXXX, like XXXX have as normal decided to write the rules, and support bad behavior that the law was created to protect, they do n't actually investigate any credit report errors. In my complaint, as with my father, my grandfather, my brother, and myself, they instead of reporting accurately, include the names of my relatives to support leaving inaccurate information upon my credit report, in my case they have verified accounts, in verification verified that they belong to my father, XXXX XXXX, my brother XXXX XXXX XXXX or my grandfather XXXX XXXX XXXX, but include upon my credit report as verified. They are breaking the law, but seemingly realize they write the rules, and does n't abide by any regulatory requirements, in my case they have XXXX repossessions for us auto credit, and XXXX that belong to my relatives, they have a charge off for paces run apartments, where I have never lived, but to cover up their wrong doing, include inaccurate names associations, and address to cover up their wrong doing.
Consumer complaint received 2015-06-18
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (SC)

XXXX XXXX, XXXXTo Whom It May Concern, This letter is written with intentions to appeal the closing of my account with your banking institution. I have been accused of fraudulent activity and would like to plead my case. In XX/XX/XXXX, I was referred to a mystery shopping job by a friend who was actively doing it. She told me that the company would send a list of different stores they would want me to check out and send a check for me to cash to have funds to shop to assist in being " mysterious ''. My friend had been working as a mystery shopper as a side job alongside her daily full-time job. She was even cashing her checks at the local XXXX in which she never got into any trouble for doing so neither was red flagged about it. So I truly believed that the mystery shopper job was legit, especially if XXXX cashed their checks. 
As a result, I filled out the required information to get me started and within five business days my starter package had arrived. To begin working immediately, I decided to cash the check at XXXX XXXX XXXX, whom I had an active account with. Upon entering the bank, I asked the teller was it too late to make a same-day deposit, and she informed that it was too late to make a counter deposit but that my deposit would show immediately if it was made by XXXX at the ATM. So upon gaining knowledge of that, I proceeded outside to make the deposit at the ATM. The deposit was made and I thought everything was fine. 
The next day, my fianc called me on his lunch break and asked me to call the bank because it was a major problem with our account. Completely confused, I contacted the bank and was informed that the check I deposited into my personal account was a fraudulent check. An explanation was not welcomed ; therefore, I do appreciate you allowing me to appeal this issue. 
Honestly, do you think someone would deposit a fake check into their own personal account where all of their means of income goes direct deposit? That is insane!!! I would not -- -and, I did not! If I was trying to get over on my bank, I would have tried to cash it instead of depositing it and waiting for it to clear. I do hope you can sense my sincerity. 
This truly was an honest mistake that has extremely burdened my financial situation. This punishment is intense and severe. I did n't take anything from XXXX XXXX XXXX and will not try to take anything from any other banking institution. A wrongful deposit was made, but it was also an innocent act. I was caught in a scam and am being held accountable for my ignorance of such. I am asking for complete leniency in my case. I am recent XXXX with XXXX, young sons and will definitely need a bank account to have access to my funds and to make needed transactions as any other mother. Seven years is just too long time to be penalized for an honest mistake. Please reconsider. 

Thank you for your valued time and consideration, XXXX XXXX
Consumer complaint received 2015-08-05
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: NAVY FEDERAL CREDIT UNION (NJ)

On XXXX XXXX, 2015 I reviewed my account and notices another unauthorized charge was taken out my the XXXX request that fill out the form and submit then it will take XXXX hours to apply the money back to my. Navy Federal consently allow unauthorized withdrawal from my and they customers representatives treatment like I did when calling in to report a authorized charge. Please investigate the policy and procedures that Navy Federal uses to protect their customers from thing like this and make sure they are working to United States Federal regulations
Consumer complaint received 2015-10-24
Product: Prepaid card — ID prepaid card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (SC)

My deposit finally came. when I went to pharmacy to get my prescription balance said {$0.00}. After being on hold for XXXX hr XXXX mins I was told I should have my money back on card within 1-2 days. XXXX hours later my card had a {$9.00} balance on it. Im on a trip out of town still no access to my funds. Tried to call Rushcard several times only to keep getting going up on. Still no assistance.
Consumer complaint received 2015-05-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

XXXX XXXX XXXX XXXX Bank of America Loan # XXXX When Bank of America was the servicer that told me untrue and incorrect information and then later tried to take my home. This has caused me to lose the 2 % HAMP modification that I previously had. See attachment for details. 
Bank of America clearly misled me.
Consumer complaint received 2015-09-09
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: American Collections Enterprise, Inc. (MD)

# 1Original bill was with the XXXX, XXXX XXXX XXXX XXXX dated XXXX/XXXX/XXXX and in the amount of {$280.00}. The account was referred to collections between XXXX & XXXX. 
# 2Bill for collection was originally assigned to XXXX XXXX XXXX in the amount of {$280.00} # XXXX XXXX XXXX, XXXX I received a notice from XXXX the account was referred to American Collections Enterprises who re-aged the account to the date XXXX/XXXX/XXXX. 
# 4Due to the age of the debt XXXX original date XXXX/XXXX/XXXX XXXX it had " aged '' off of all XXXX Credit Bureau Reports. 
# 5American Collections enterprises placed the collection back in all XXXX of my Credit Bureau files with re-aged dates : XXXX Date of XXXX delinquency of XXXX placed for collection XXXX date opened XXXX above referenced medical bill is a dead account dated XXXX/XXXX/XXXX that had long since aged out of my Credit Bureau Files when American Collections purchased the bill and then re-aged the account to XXXX/XXXX/XXXX. They then placed it again in all XXXX of my Credit Bureau Reports. This action has fictitiously made it appear to be a newer account resulting in the account now staying in my Credit Bureau files longer than the legal time frame of 7 years. This has had a negative impact on my credit scores resulting in lower scores and denials of credit. 
I have tried on numerous occasions to reach out XXXX to have this removed from my Credit Bureau files only to be told by them I have to contact the collection agency. I was advised not to contact the collection agency due to the re-aging. 
Attachments : Copy of bill from XXXX, XXXX XXXX XXXX XXXXCopy of collection letter from XXXX XXXX XXXX of notice from XXXX XXXX American Collections EnterprisesCopy of Page XXXX of XXXX dated XXXX/XXXX/XXXX from XXXX showing collectionCopy of Page XXXX of XXXX dated XXXX/XXXX/XXXX from XXXX showing collectionCopy of Page XXXX of XXXX dated XXXX/XXXX/XXXX from XXXX showing collection