davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: SUNTRUST BANKS, INC. (NC)

I am a customer of Sun Trust Bank XXXX XXXX XXXX branch. On XX/XX/2018, I submitted a check ( I am the beneficiary of the check ) amounts {$1500.00} and asked about whether the check has a risk to return. Also, I asked if it returns there is going to be or not any fee on me. The employee informed me that if the check is deposited in the following hours it means there is not any risk of return. Then, I asked when the amount can be deposited to my account and she told me that I should check my internet banking for the following hours. 

When I saw that the check is deposited in my account and my balance increased in the amount the check I spent {$1300.00} due to trusting this deposit. Then, on XX/XX/2018, the bank returned the check and I lost my {$1300.00}. I applied to the bank for compensating that amount but they explained me that the deposited amount is a courtesy fund of the bank and it is debited if the check returns. 

However, as a consumer, this information was not provided me. In contrast, by depositing the amount in my account and by being informed that if the check is deposited there is no risk of return, I am misinformed. I request you to make bank indemnify my loss.
Consumer complaint received 2018-12-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (TX)

A checking as well as a savings account was opened with Citi bank on XX/XX/2018. As part of opening the checking account, a bonus of {$400.00} was advertised provided certain conditions were met with the account. These terms were as follows : Opening as checking and savings account with Citi, depositing {$15000.00} to the checking account and maintain a minimum balance of {$15000.00} in the account for sixty ( 60 ) consecutive calendar days. The {$400.00} bonus would then be deposited to the account within 90 days of meeting these requirements. 

On XX/XX/2018 a deposit of {$15000.00} was deposited to the checking account. A balance of {$15000.00} was maintained in this account until XX/XX/2018 when {$5000.00} was transferred from the account. 

Per the terms of opening the account, the {$400.00} bonus was required to post by XX/XX/2018. This did not occur. Citibank was contacted on XX/XX/2018 to determine the delay of the bonus being credited to the account. Case number XXXX was entered into Citibank system on XX/XX/2018, but there was no further communication on progress of the term violation or resolution ( crediting the bonus to the account ). As of XX/XX/2018, the bonus still has not been credited to the account. Overall, Citibank has violated the terms set when the account was opened and has not acted on resolving this issue within a reasonable amount of time.
Consumer complaint received 2018-11-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ZIONS BANCORPORATION (UT)

I opened an account with zions bank around XX/XX/2018. The first issue was that a mobile check deposit that was given to me as a birthday gift for XXXX had been rejected. I had called customer service to ask why, and she said that since I was a new customer that I was unable to deposit checks. The funds cleared a few days later. Around XXXX, I had a payment for a credit card payment for XXXX bounce with no notice. On Wednesday the XXXX, I had went to the XXXX XXXX branch to attempt to close my account. The Teller said I had a block on my account and didn't know why. She was able to call someone in the back office to get the funds released. I ask her to close the account but she was unable to nor was she helpful at all. On XX/XX/XXXX, I logged in to my online banking and see that the XXXX is apparently still there when I took it out on Wednesday!
Consumer complaint received 2018-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (MS)

I am the victim of identity theft. I have senXXXX XXXX XXXX certified mail, return receipt mailings, asking them to provide proof that this is my debt, such as my signature and to date, they have not responded. Also, I am providing a partial copy of my XXXX credit report, showing that a payment has been made on the account on XX/XX/2017 AFTER the account has been charged off. Under the FCRA 605 ( c ), this is a violation of my rights by trying to " re-age '' this account by falsely updating the last date of activity on my credit report in order to keep reporting the negative information longer. I did not make a payment on this account. and want this unverified account removed immediately from all of my credit reports.
Consumer complaint received 2018-11-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (TN)

XXXX from XXXX XXXX XXXX has repeatedly called my cellphone, my job, and even called me at a restaurant while I was having dinner with friends. He has called multiple times, up to 4 times, in a single day. So much that, the receptionist where I work has blocked his number. She stated to me that he had started getting rude to her.
Consumer complaint received 2018-11-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (AL)

Paypal failed to disclose all the requirements needed for the person to receive money. I wanted to try this service and read all the requirements they set forth however now they inform me the recipient must have a bank account or a credit card. She is a student and has neither. Had I read this information I would never have sent the money via Paypal. There are many other companies available. 

Transaction made on XX/XX/2018 Your recipient should have the money by XX/XX/2018. 
Paid with PayPal balance Transaction ID # : XXXX
Consumer complaint received 2018-09-27
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: Earnest Inc. (CO)

Earnest ( www.earneset.com ) asked about monthly expenses, including rent. I do not pay rent ( my spouse pays all of the rent and since they do not consider spousal income, they should not consider spousal monthly expenses ). They refused to accept that I do not pay rent when considering my loan and offered me a higher interest rate than I should have qualified for based on my monthly expenses. Additionally, they refuse to consider assets and property when calculating interest rates. They are currently considering household debt and monthly expenses, but refuse to consider household income. I believe these tactics of selectively considering income and assets is in an effort to ensure they are able to keep their interest rates high and make their advertised interest rates unattainable. This occurred from XX/XX/XXXX-XX/XX/2018.
Consumer complaint received 2017-03-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (DE)

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX These address do not belong to me my address is XXXX just like it is listed on my credit report. Anything else other then what I stated above do not belong to me and is not my address.
Consumer complaint received 2018-12-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lending Club Corp (NY)

Lending Club is an entity I borrowed from in 2016. I am paying off the loan early. I have been in email correspondence with them ( they won't correspond by US Mail ) and they are telling me the wrong things about what I owe if I pay early. I contacted them before and they said if I paid by XX/XX/XXXX I would owe some amount, {$1300.00} and something. I sent {$800.00} and they then said I owed {$700.00} something. Now they are telling me that when I sent {$800.00} toward early payoff of the loan they applied only XXXX to that payoff. They said 'since we are unable to apply monthly payments before your contractual payment date, we applied {$560.00} towards your principal balance and was ( sic ) holding your monthly payment and check fee to be applied towards your loan on your contractual payment date. ' They are not entitled to collect a fee because of my utilization of money orders to pay them every month but started doing that at some point. They were deliberately harassing when I used to call in payments and finally I quit fighting with them on that and sent money orders. They are obviously not entitled to hold part of my payment until 'contractual payment date '. Forget it. I am entitled to save on interest that would have been due if I had not paid early. They are pretending otherwise. 

Please contact them about fact that they can not hold payments and pretend I still owe same interest I would have owed if not paid early. I am entitled to payoff early and save on interest. They are dishonest in their endeavors and have been for a while and this becomes tiring. They placed fees on my payments that they are not entitled to. You can rest assured they will advise you that their contract allows them to do something like that but of course they are not the courts, but they fail to comprehend this. I have dealt with the courts more than these kids have. If I have to report them to someone who will address criminal and/or fraudulent activity on the part of this institution I will do that. They have been a problem ever since I took that loan. 

Right now, I need you to get it through their heads that they must deduct interest otherwise due when I pay early and can not 'hold the payment ' until the 'contractual payment date '. Get over it. This is one pathetically dishonest and poorly operated entity. When I owed XXXX something and sent XXXX, that means my remainder due was under XXXX. Not XXXX something. I have sent another XXXX and that should cover entire amount due. I will not hear them tell me I still owe beyond that. 

XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, New York XXXX
Consumer complaint received 2024-11-09
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. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (GA)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (SC)

Our mortgage is with Ditech and includes an impound account. We received a Cancellation Notice from XXXX XXXX stating that payment had not been received. I contacted XXXX around XX/XX/XXXX and they informed me they had changed underwriters for our policy and they would promptly generate a new bill to send to Ditech. Ditech sent me another letter XX/XX/XXXX stating payment not paid. Again I called XXXX and they said the billing had been sent. 
Ditech has a balance of {$1900.00} in our impound account ; they owe XXXX {$1200.00}. 

They should be communicating with each other, not me. I am obligated to pay into an Escrow/impound account for the first five years of this account of which I have no control.
Consumer complaint received 2018-02-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (CA)

I am on an IBR ( income based repayment ) plan with Navient. In XX/XX/2017 I received a one-time inheritance from my XXXX grandmother in the form of an IRA. Even though I clearly noted on the financial disclosure form that the money was a one-time inheritance, Navient calculated it as regular income and doubled my monthly payment even though my income went down. ( Navient acknowledged that I noted this on the form, but said that because I didn't check a certain box on my form, they ignored my note indicating that it was not income. ) Navient had asked for my financial information many months prior to the end of the year but then waited until a week before the new, incorrect, double payment was due before sending me notification that my payment would be doubling. ( Why would they sit on it for months, and then send the bill a few days before the payment was due? I think it was to encourage me to apply for a forbearance. ) When I called Navient to explain that I could not and would not make the double payment, the agent refused to reprocess my financial paperwork correctly and said that I would have to make the double payment and then reapply with new financial paperwork. I was pushed into applying for a forbearance over the phone by that Navient agent after explaining that I would not make a double payment because Navient made an error. After thinking about it, I sent Navient a letter asking them to NOT apply a forbearance to my account, telling them that I would be making my monthly payment in the proper amount and not the double payment they asked for and asking them to recalculate the proper payment amount in a timely manner. They applied the forbearance anyway and also sent me a letter informing me that because they had applied the forbearance over my objection I was losing my Consolidation Savings Benefit. I objected to this and sent Navient five unanswered letters asking them to address this and fix the problem they created. They have refused to do anything and just send me more form letters. I am now withholding my monthly payments from them to compel them to reply to me. They have at least started answering me now that I am withholding payment, but all they have done so far is tell me no and send me more form letters. I'm pretty frustrated and need some help please.
Consumer complaint received 2018-12-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (KY)

In XX/XX/2018 my wife became seriously ill and had to leave her job. We became unable to pay our mortgage and was able to talk with our original Lender, XXXX XXXX XXXX. I started loss mitigation, filled out all the paperwork and sent it in a timely manner. I didn't hear anything for over 30+ days, called XXXX and was told they were working on it. In the meantime, XXXX sold our mortgage to Flagstar Bank. When I found out I contacted Flagstar and was told that all the loss mitigation paperwork had been forwarded and they had received, " Everything PHH had. '' Several weeks later, XXXX XXXX I received a 2nd day letter dated XXXX XXXX, 2018 that stated I had until XXXX XXXX to submit paperwork. I called confused, asked to speak with my case manager ( I have NEVER once spoken with her, even after requesting several times with whatever rep I was speaking with ). I was told that the original loss mitigation paperwork was now considered " outdated '', and I would have to send in more paperwork. This was a single sheet of paper with nothing attached. I asked why I didn't receive anything along with it and what I was supposed to do I was told, " I guess I can mail you the paperwork, it wont be there for a week but its not going to make any difference now. '' I then spent two days calling and asking for help and finally reached someone who gave a XXXX, walked me through downloading and printing the actual paperwork I would need from THEIR website ( the CSR before never told me I could do that ) .She also told me I could email the info, which I did on XX/XX/18 the date it was due ( I have delivery confirmation ). I called and spoke with a great lady named XXXX who identified herself as the loss mitigation team lead. She opened my email, went through the documents WITH ME on the phone and confirmed that yes, indeed I had sent all that was required and it looked good. It was going to be sent to the Underwriters by her personally. Imagine my surprise, when I received a letter in the mail today XX/XX/18 saying that because I NEVER sent in the documentation, I was now officially out of the loss mitigation. This has been unbelievable. I have NEVER dealt with a company like this. Customer service has been a joke. It is obvious they do not want to work with me ( or probably anyone! ) on a situation that can and should be resolved and would rather foreclose using stalling, diversion and flat out lies. I need help, even lowering my payment would pull me out of this situation and allow me to keep my home. This situation has led me to consider legal action.
Consumer complaint received 2018-11-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (CA)

Hello, I am requesting assistance with SunTrust Mortgage ( SunTrust ). SunTrust carried the Note on our rental property at XXXX XXXX, XXXX, TN XXXX. Account # XXXX. I have requested on numerous occasion copies of paid checks for our Homeowner 's policy. Our Insurance Company ( XXXX ) is stating there is two payments which they have not received monies from our Mortgage company ( SunTrust ) for our yearly insurance premiums. I receive no response from SunTrust in regards to my request. I am requesting front and back copies of checks from SunTrust showing proof our insurance premium was made for our the following years XXXX/XXXX {$1400.00} and XXXX/XXXX  {$1500.00}.
Consumer complaint received 2018-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XXXX XXXX as the lender never sent me any billing statement, nor payment alert, nor payment book, nor notice if there's any overdue. Yet they report I had 1 late payment for no more than 2 weeks. 

How can they expect customers to pay when they don't send customers billing statements? 

I still don't know my loan number, I have not seen my billing statement, and I have not seen the due date at all. 

It is not right for XXXX to file such claim to damage my credit, given I had 28 years of excellent credit history with no late or missed payment and my credit score was XXXX. Now it dropped to XXXX because of XXXX XXXX false claim. 

In addition, credit bureau does not inform me when they dropped my score drastically for a single late payment that was not even my fault. Credit bureau did not investigate at all, they merely report what lender says. But when the lender is a bad lender such as XXXX, then consumers like me are not protected. We are being bullied by big businesses such as XXXX and credit bureaus.
Consumer complaint received 2018-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX  REFUSE TO UPDATE THE PAID ACCOUNT AS PAID EVEN WITH PROOF We have opened your Account Dispute The dispute for the account with XXXX/XXXX XXXX that starts with XXXX has been received and should be completed by XX/XX/XXXX. We will process the items that you questioned with the furnisher of the information or vendor that collected the information from a public record. Youll receive an alert when updates are available and when your full results of your dispute are ready to view. 

Alert Details Alert Date XX/XX/XXXX Source XXXX Date Submitted XX/XX/XXXX Estimated Resolution Date XX/XX/XXXX Report Number XXXX Account Number XXXX Company XXXX/XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX/XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Installment Sales Contract Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage - Balance {$0.00} Balance Updated XX/XX/XXXX Original Balance $ XXXX Monthly Payment - Past Due Amount {$0.00} Highest Balance - Terms 6 Months Responsibility Individual Your Statement - Comments Transferred to another lender or claim purchased Contact Information XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX30 XXXX 60 XXXX 90 XXXX FP XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FP XXXX On Time 120 120+ Days Late 30 30 Days Late FP Failed to Pay 60 60 Days Late N Negative 90 90 Days Late Data Unavailable
Consumer complaint received 2018-11-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (TX)

I have sent 3 letters to the company that is reported on my credit report on XX/XX/2018, XX/XX/2018 and XX/XX/2018 and have not received an response back for either letter sent that they received. The letter has asked for the company to provide the instrument of original indebtedness to validate that the loan being reported is actually mine. I haven't received a response at all.
Consumer complaint received 2019-01-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (NY)

Ally bank. I opened a account and deposited a check. They locked my account with asking me. The reps on the phone don't help and they said that's it fine. I lt happened last Wednesday. I called multiple times and nothing happened. I need the money and it's disgusting that they lock my account and nothing happened.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I have been trying to remove collections that have aged out and that can not validate debt..XXXX admits it is a incorrect account but refuses to remove it subsequently so does transunion