davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-28
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (GA)

I am writing to file a formal complaint and ask for assistance in getting my funds from Suntrust Bank. 

On XXXX XXXX, 2016 I made a {$3100.00} deposit at the XXXX GA branch. I asked the Branch manager when the funds would be available and she said they would be available at mid-night. The next day I went to XXXX XXXX to purchase materials for a job I was working on and the transaction was declined. I went to the bank and the same manager laughed and said " I guess you cant have access until XXXX XXXX '' and walked away. I asked her why and she turned around and said " You can have your money on XXXX XXXX '' and, started laughing. I was very upset and I said " This is XXXX that I cant have access to my own money '' and walked out. 

I called Suntrust and filed a complaint against the branch manager and about 3 hours later I received a call from a security guard for Suntrust that said I was no longer allowed in that bank. I asked him why, and he said she filed a complaint against me. 

The same branch manager tried to have the manager at XXXX ( the bank is inside ) to have me banned from XXXX. She does not know that he is a personal acquaintance of mine and he told me that she said I was trouble and not to let me back in the store. He refused her request. 

I reached out to the District Manager and she informed me that my account was closed and that I would have a check cut and released on XX/XX/XXXX. 
I have not received any type of notice about any holds on my account and I have not received any notice that my account was being closed. 

I called on XX/XX/XXXX, and she now says that I can just sit and wait and there is nothing she is going to do. 

It is now XX/XX/XXXX and the funds are still being held by Suntrust. I have called the company that wrote me the check for my work at XXXX and they said the checks cleared their account on XXXX XXXX. 

The customer service at Suntrust tells me all they can see is the account says " under investigation '' and there is nothing they can do. 

It has been 20 days ( 14 business days ) and, my funds are still being held at Suntrust with no signs of them giving me my money. 

I have sent numerous emails to XXXX and do not even get a courtesy response from them. 

In the mean time, I am past due on my mortgage, truck payment, electric bill, and have limited money to feed my family. I also do not have material money to complete my next job because of the funds being held. 

I am told you are the person that can assist me with the wrong actions I have with Suntrust. 

Please contact me at XXXX if you have any questions Thank you, XXXX XXXX
Consumer complaint received 2024-08-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

XX/XX/year> {$400.00} transferred to XXXX XXXX which was supposed to be a deposit for a dog. However no dog was ever received. I contacted Bank of America that this was a scam but nothing was done by the bank and the case was closed.
Consumer complaint received 2016-03-28
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (LA)

I was approved for a 12 month Unemployment forbearance plan for my mortgage starting on XXXX XXXX. On XXXX XXXX, XXXX it states " Your payments may not be accepted until the signed agreement is received in our office ''. Enclosed are monthly statements from the mortgage company showing my payments have been applied and posted. I received a call XXXX XXXX from a new relationship manager, If there was an compliance issue at that time should I have not been told or aware of. After 5 months of consent cooperation, I received a notice that my account was denied due to necessary information not received that was previously requested. I than had 14 days to appeal this matter. I appealed the matter and Appeal request decision remains unchanged. In XXXX XXXX, I received XXXX XXXX back with stated reasons. I have submitted another Unemployment Forbearance since XXXX and still no decision. The Mortgage company has me just sitting around waiting feeling like a sitting duck waiting on Foreclosure of my home. I have offered to make my monthly payments and was told if its not 6 months are more it will not help me to sit tight and wait for a decision to be made. In the Appeal decision it stated that my relationship made could not contact me about this issue, I spoke to both relationship mangers in the months in question and feel like my mortgage company is in BREACH OF CONTRACT. Enclosed will be all supporting documents.
Consumer complaint received 2016-03-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC (PA)

This company constantly calls my cell phone sometime 2 times a day. They use the call back number of XXXX and XXXX.They leave no message on the answering service. on the XXXX number 11 times since XX/XX/2013. on the XXXX number at least 15 times and the XXXX number 5 times.I do not want to receive any further phone calls on my cell phone.They have called after XXXX and before XXXX violating fcra regulations
Consumer complaint received 2016-03-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (CA)

I have been calling numerous times ( about once every couple of weeks for the past 6 months ) to have FedLoan Servicing fill out a voucher and send back the voucher mailed to them by XXXX so that my XXXX XXXX Award can be sent to pay my student loan. It has now been one year since the request was first sent to FedLoan Servicing by XXXX, and I have not been able to get FedLoan Servicing to send the appropriate completed voucher to XXXX to get my student loan payment made by XXXX. XXXX said today they now had to cancel my award since there has not been any action on the account within the past 90 days. This is a loss of {$450.00} that FedLoan Servicing has caused as they have continued not to fill out the voucher that XXXX sent them to fill out. I have spoken to several Supervisors at FedLoan Servicing and no change has happened. They have a record of all my calls and interactions and so does XXXX. Please someone help me. I did service for XXXX when I was in graduate school to help pay off my student loans and now FedLoan Servicing has made me lose my money award. Please help me. I ca n't afford this loss. Thank you for your time and consideration.
Consumer complaint received 2016-03-28
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PLANET HOME LENDING, LLC (WA)

We are a small homeowners association and this home has sat vacant for at least 5 years. We periodically get notice that a foreclosure will go forward and nothing happens. We have not received {$1700.00} in dues and fines. We approached the lender about bringing this account current and their response was to file more foreclosure papers.The yard area is a total mess as well.
Consumer complaint received 2024-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.
Consumer complaint received 2024-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Outstanding Compliance Issues :
Consumer complaint received 2016-03-28
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (CA)

Wanted to check if I established some sort of credit in the past, curious to see what I might have. Experian Questioned if I tried to get a mortgage loan last year or applied for a retail card? The amount I applied for on the mortgage, I did none of those things whatsoever, at all, or even tried to apply for a credit card.
Consumer complaint received 2016-03-28
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I received a check from what i thought was to be my new job and deposited it before doing any work or spending the money i called USAA to verify everything was good to go since this was my very first job outside of the XXXX and had never dealt with payment from anyone else. The funds were available immediately and I asked the USAA representative if I needed to wait on anything else or is it that once the money is there it has been cleared The USAA representative let me know that everything was good to go and there was nothing further that would need to be done. This happened about a total of 4 times all to find out that i was being scammed and the only reason i found out is because i called and asked a question to USAA after that i have been given nothing but the run around with XXXX member being very understanding while she filed a second fraud alert for me she stated she did n't know why i was given false information and why they did n't check into it when i initially had inquired about the situation. She said the only notes on my account stated that I would be reliable regardless of it being a fraud/scam case because it was my account. She tried to get in contact with someone in management yet was not able to. Every time I call USAA i am given the run around leaving me with the burden of fixing what they failed to do. I am beyond frustrated and out of all my money. They do not seem to care one bit nor have they tried in anyway to resolve this issue. I was given checks from a closed account which were returned on XX/XX/XXXX. This is now a FBI investigation case because it is happening without the companies knowledge and outside of state lines. It is occurring in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. I have been told by my legal assistant that usually the bank makes the customer whole but it is up to the bank. I feel that i banked with USAA not only because I am an XXXX but because as a bank i would think they would verify things that would keep my money and myself safe from such situations.
Consumer complaint received 2016-03-29
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY (NC)

Hello I am using Amex credit card, i purchased apple watch from XXXX local store on XXXX/XXXX/2016 for {$370.00} for my wife and she just changes her mine and we return that apple watch at same place in ( XXXX ) store on XXXX/XXXX/2016, When i checked online in my credit card account i see instead of credit of ( {$370.00} ) on XXXX/XXXX/2016 they charged me again so they charge me again. 

I called Credit card company twice and they just give me credit of ( {$370.00} ) and still they need to give me credit of remaining {$370.00} since they charged twice. 

Also XXXX charged me {$370.00} in my XXXX account as well and when i called even XXXX representative not responding properly. 

Can you help us here please. Let me know what legal documentation you need any statements or item return bill from XXXX company. 

Thank You XXXX XXXX
Consumer complaint received 2016-03-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (SC)

On XXXX/XXXX/2014, I was granted and approved for XXXX application Account # XXXX, to discharge my XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and FFEL Consolidated by Nelnet. On my XXXX and XXXX Credit reports under Dept Of ED XXXX/NELNET it states that XXXX and XXXX were paid over XXXX through ; XXXX XXXX, and XXXX XXXX stating that these accounts were transferred and reported this to all XXXX credit bureaus. This is incorrect. 
NELNET
Consumer complaint received 2016-03-29
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

I would like to file a complaint about the very misleading selling and marketing techniques of Wells Fargo and specifically the employee named XXXX XXXX XXXX ID XXXX My wife myself my daughter XXXX and my son XXXX have XXXX accounts at Wells Fargo When I opened the accounts years ago I was told that all the accounts would be considered together and if the combined accounts were above a certain amount ( I think to remember dollar XXXX ) there would be no fees charged to any of the accounts I stressed the fact that I did NOT want to pay any fees as a condition to open an account in the first place On XXXX XXXX 2016 I discovered that my son checking account had been charged dollar XXXX in Overdraft Transfer Fee, just for the system to automatically transfer money from his savings account to his checking account. I went to the Wells Fargo branch and spoke to XXXX XXXX, who after some negotiations agreed to remove the fee. She also recommended to close the savings account due to the small balance of the savings account. I made clear that I did not want to be charged any fee in the future and to avoid any risk I made an additional deposit of dollar XXXX on behalf of my son. Few days later I noticed that the savings account was also charged a dollar XXXX Monthly Service Fee on XX/XX/XXXX, which XXXX XXXX never disclosed, even if I made clear few times that I did not want to incur any fees. I went back to the bank and XXXX XXXX told me that since the account had been closed, the fee could not be reversed. I find very dishonest the fact that XXXX XXXX did not disclose to me first that the savings account was charged with an additional fee and then even worse, recommended the closure of the account and then used that as an excuse for not refunding the fee.
Consumer complaint received 2016-03-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (AZ)

Penny Mac is a servicer to XXXX XXXX 's customers. This will never happen. XXXX XXXX XXXX prepared my Home Modification, not PM. This PM business is to offer a quality service and this will never happen. This Home Mod was about XX/XX/XXXX or XX/XX/XXXX. Since PM became a servicer of my loan, which is to be forwarded to XXXX XXXX, XXXX has been my total nightmare. They are all snakes in the bushes, when they smile, they rattle. The criminal acts that have been against me has escalated out of control. Firstly, they found out about my age, threaten to foreclose, stolen my social security check, ( they transferred my money back with a fight and the name of that woman is XXXX ), racketeering, false pretenses, violations of laws, my civil rights, personal property, forgery, demanding I walk away, per XXXX XXXX and PM. Then, PM contacted the IRS, without my permission, on an enquiry, if I owed any taxes and of course, it was negative. Another evil act. Comes again a letter from last week, indicating that my XXXX anniversary is coming up and I will be receiving {$5000.00} off the balance of my loan and this was another oversight. Another lie. Today, in the mail, I receive a stupid document outlining that they are investigating my complaints and will be in contact in a month. I have received these same stupid documents and what follows is a, " Dear XXXX '', without prejudice, in other words. They are failures and always will be. There are so many lawsuits against them, it is sickening. This alleged business needs to be prosecuted to the fullest, license revoked and doors closed permanently. Their business practices and employees are the worst of the worst. Again, I want my {$5.00}, per month, times 24 months, which was for a certified return receipt that I had to pay to submit my payment every month, which is unlawful. I had been in contact with various businesses and this was unacceptable. Never an apology, sympathy, gratitude, respected, etc. I detest PM, who have destroyed my life. 
XX/XX/XXXX, I had requested the balance of my loan and it was around {$38000.00} and now it is about close to {$40000.00}. There is another fraud and more criminal offenses. 
I want CFPB to publish this all over the web. I want the viewers to read how bad they are and what acts that occur against the innocent. I want my justice.
Consumer complaint received 2016-03-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX was notified of my filing with local police and FTC identity theft. My account was used to obtain a fraudulent payday loan, they charged off the account for {$800.00} after dozens of calls and emails and letters. The {$800.00} is fees generated by the bank, it is NOT money that the bank paid on my behalf to this fraudulent payday loan. They tell me my disputes are frivolous and refuse to investigate. FTC CASE XXXX
Consumer complaint received 2016-03-29
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: NAVY FEDERAL CREDIT UNION (NV)

we received in the mail ; Make home affordable which they stated would take almost XXXX what we owed lower house payment to XXXX a month just follow rules on card. You had to be late on home, payment wise it seems this was a scam. So I went to NFCU to try to get home loan caught up. The girl at the bank sat there as we were waiting for a answer, I was also willing to use my paid off XXXX Toyota as collator. As the girl in bank was laughing at what was suppose to be a loan, I was denied. I hope people like her, one day happens to her .It was bad enough to get scammed let alone where you do your banking was just as bad.Dont assume your bank is there to help you. Infact it all started with a complaint against the bank. Someone was trying to use my DEBIT card all over the world, I asked for paperwork on where exactly this happened I was denied.This all started over the theft of Tmobile phone
Consumer complaint received 2016-03-29
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have applied and issued a credit card two months ago with XXXX XXXX and until now my credit score runs as " no score available ''. My old address is even still being used by Transunion and XXXX when running my credit scores. Not having a credit score is making my life a nightmare here. When calling them, each of Transunion and XXXX would tell me that the update reporting has to be done by my bank facility which I then call and am being told they had already done the reporting. I am lost in the middle.
Consumer complaint received 2016-03-29
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (IN)

I have had a loan from XXXX for nearly XXXX years, they sold my loan to navient. now a few months after that my normal monthly payment went from {$190.00} ish to over {$500.00} and I called them to get my payment back down to where I can afford it I get told I can afford it, and then asked if they can help me with anything else. so basically they are extorting money out of me. I can afford the payment I had before but not this high payment. and now with all these marks on my credit that are n't mine I cant even get a load from a bank to consolidate it. if somethings not done ill default on it. I need help! 

and the worst part is I 've been paying this loan for nearly 10 years and I only went to school for XXXX months. and I got nothing out of it. this is so depressing,
Consumer complaint received 2016-03-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (MD)

We got a call from Macy 's department store on XXXX XXXX, 2016 asking me to contact them immediately. I did and to my surprise they told me that I have a balance of {$150.00} which is two month delinquent. They also told me that they have informed all credit bureaus, which basically ruined my credit score. I have worked so hard to keep my credit clean for 20 years and is ruined now because of {$87.00} worth of purchase that I have never made. 

I used to have an a/c at XXXX 15 years back but never purchase anything from Macys. I told the Macy reps that it is a case of fraud and I did not use or authorize anyone to purchase on my behalf. They referred my cast to their fraud unit and she told me that I need to find a claim and she would send me claim form and I need to know my account number and the amount owe. I told her that I did not have an account and if she can send me the billing statement. She told me that the company policy does not allow that. After pressing she agreed to send me the billing statement through e-mail. During that discussion she told me that they have an old email ID that I do n't use anymore. She told me that the company acquired another company and the e-mail system got all messed up. 
During her discussion she asked to call her back again now with my wife to make sure that she did not make any purchase. I told her that this is my account it has got nothing to do with my wife. But, I wanted to settle this issue as soon as possible. 
We called back the same night and again went through the same procedure. The XXXX fraud unit specialist promised that she would send me claim form, billing statement, put stop request for collection or debt reporting. 
I have been getting 3 calls per day since then from Macy ' Debt collection and they just advanced another month of delinquency and thereby ruining my credit. I have worked so hard to keep my financial record clean and had an average score of XXXX. Now, it is ruined because of Macy 's. Please help.
Consumer complaint received 2016-03-29
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL (MD)

I was sold a Zero % interest plan ( for 2 years ) in store by XXXX / Synchrony Bank. It turns out this is a deferred interest plan, which is not what they tell you in-store, of course. Now, at the end of the promotional period, I 'm hit with a massive bill ( charged at 30 % ). They claim they 've given me this deferred interest information in my monthly e-statements, which I have to log in to the website to see, but in their monthly communication, the bank gives you all of the information one needs in the body of the email ( statement balance and last payment ), so one would never log in to the website to check. 

While I 'm sure they have all of the their legal I 's dotted an T 's crossed and I should have been more diligent, rather than just listening to their " zero interest '' pitch, they are hoodwinking unsuspecting consumers and engaging in predatory lending.