davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (VA)

My complaint # XXXX was erroneously closed by the CFPB just because suntrust responded. This is not the first time the CFPB has closed my complaint even though suntrust REFUSES to address it. Completely unacceptable for a business that supposed to " protecting consumers ''! I called the suntrust executive office on XXXX XXXX and talked to XXXX XXXX. I explained to her that ALL of my emails to XXXXXXXXXXXX in the last few months were IGNORED and asked her why. She said she did n't know why but said that is not how suntrust does business. I pointed out to her that that obviously is how suntrust does business otherwise someone would have responded to my emails. It 's also obvious that REPEATEDLY LYING TO CUSTOMERS is also how suntrust does business and THEY DO NOT CARE. I told her about the ongoing problem the last 3 years of NOT getting a correct mortgage bill AFTER I pay my escrow shortage. How can they cash my check for the escrow shortage and then send me a bill for the exact same amount I just paid them?? THAT IS A SCAM!! I also asked her why my escrow has been short 3 years in a row. I 've had mortgages with other lenders and NEVER had any problems with getting a correct statement or had my escrow short EVERY YEAR. She told me she would open a case for my complaints and call me the following Monday, XXXX XXXX. She of course did NOT call me back. So I tried calling her on XXXX XXXX and was told by XXXX that XXXX XXXX was gone for the day. I called again on XXXX XXXX and briefly talked to XXXX who refused to answer any of my questions. I called AGAIN on XXXX XXXX and finally spoke to XXXX XXXX again. I reminded her of my conversation with her on XXXX XXXX and that she said she would call me back. She LIED and said that she thought my complaints were being handled by the social media team. My complaints were NEVER going to be handled by the social media team because they NEVER answered my emails and my complaints on XXXX about XXXX XXXX never calling me back were removed and I was BLOCKED from posting any more complaints, even others are still allowed to post theirs! During my conversation with XXXX XXXX on XXXX XXXX she told me again she would have someone look into my complaints and she would call me back on Monday, XXXX XXXX. She even went so far as to tell me she " put it on her calendar '' which was also apparently a LIE because of course SHE NEVER CALLED ME BACK. I am so tired of being DELIBERATELY LIED TO REPEATEDLY BY PEOPLE WHO ARE HANDLING XXXX OF DOLLARS OF MY HARD-EARNED MONEY. This is completely unacceptable!!!!! These people have absolutely no business handling other people 's money!!! I need written, verifiable proof that someone is working on a resolution to my complaints and I need a FULL NAME ( FIRST AND LAST ) of the person/people resolving my complaints along with their direct phone numbers. Is there anyone at suntrust who knows how to tell the truth?????
Consumer complaint received 2017-01-27
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: CITIBANK, N.A. (CA)

I belive the date was XXXX/XXXX/17 between XXXX & XXXX PST, when a XXXX XXXX from XXXX XXXX XXXX called my job on our recorded line and after being advised that the call was recorded asked for me using my first & last name. I was on the phone with a customer at the time, but sit right next to my manager that took the call. I could here him as he repeated my first & last name and asked XXXX if her call was personal or business related. She must have said personal or something related because I heard him tell her the employees could n't take personal calls at work twice. However, instead of ending the call, Citi Costo Card, XXXX XXXX XXXX & their rep. XXXX XXXX proceeded to embarrass, humiliate me & caused me to get repremmended by insisting on leaving a non-prompted message for me. Next thing my manager is handing me a sticky note and telling me what sounds like a debt collector called & insisted on leaving a personal message for me after he advised we ca n't take personal calls. He said XXXX XXXX from XXXX XXXX XXXX said she was calling to give me some information. Then had a few words with me about personal calls. 
XXXX left the XXXX # for XXXX XXXX XXXX along with her extension XXXX. Which is misleading cause they call from a different # which is a TX state phn # XXXX XXXX XXXX XXXX. Now I 'm XXXX because this can come up during a group random call review in training. Anyway now my job has this on record/recording which is not only humiliating but can be damaging to my reputation and profession and could cause me to lose my job. Later i found that Citi Costco Credit Card div is having them call. How could they have them do this to me?
Consumer complaint received 2017-03-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc. (NV)

Two things really, I do not deny owing this debt it originated from an employer issuing me a CPAP machine on a loan basis, upon resigning my options were to buy the machine outright for XXXX or return the machine. This company was XXXX by the way. I attempted to find out how to return the machine to XXXX but could n't get the right procedure and since I thought perhaps I needed it I would go ahead and pay the XXXX when I could, or try and reach out to XXXX to set up an arrangement. I receive some written communication from XXXX, perhaps 2-3 letters. Then I get a letter from a representative by the name of XXXX from Lockhart, Morris, and Montgomery collections. Upon talking for awhile, approximately 3 weeks ago maybe the XX/XX/2017 the balance was suddenly XXXX dollars and I could only make two payments in the amount of XXXX. If I understand the law right they can not " Mark up '' or " add a fee '' to collect this. My biggest thing with this case is that after speaking with XXXX XXXX, I was told I would have to sign a contract or promissory note to pay, and I would be emailed this letter. I never received the letter nor any further contact from XXXX XXXX. Today, XX/XX/2017 I was charged in the amount of XXXX overdrawing my account since I had not heard anything further from the firm, I figured either it would wait till next month or she would send me the document I needed to sign before she would charge me. So the law is fuzzy on this but if I am not mistaken, since I was told I had to sign before she could accept this agreement I should not have had money withdrawn essentially without my knowledge.
Consumer complaint received 2017-03-24
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (CA)

XX/XX/XXXX at XXXX I spoke w/ pretender lender loan servicer Ocwen Loan Servicing 's representative manager, ID number XXXX. I told the representative manager that pretender lender loan servicer Ocwen Loan Servicing, pretender beneficiary XXXX and pretender trustee services XXXX all have committed years of fraud against me, and that recently Ocwen Loan Servicing employees and litigation lawyers all used fraudulent XXXX trustee sale as a weapon to coerce me into signing pretender lender loan servicers increased none negotiable loan modification settlement to avoid fraudulent trustee sale taking place in just days. I told the representative that Ocwen Loan Servicing made offer in late XX/XX/XXXX, a {$660000.00} loan modification w/ 2 % w/ {$2600.00} monthly mortgage payment if I agree to hush hush. I declined the {$660000.00} offer because I own my home free and clear. I told the Ocwen representative manager that in XX/XX/XXXX Ocwen Loan Servicing increased the offer to a none negotiable {$750000.00} w/ 3.43 % with {$370000.00} monthly mortgage payment, and that if I did n't agree to sign pretender lender loan server 's increased loan modification Ocwen employees and in-house litigation lawyers would instruct its cozy buddy XXXX to proceed w/ fraudulent trustee sale and I would of lost me home I own free and clear. I told the representative I plan on retaining new counsel " XXXX XXXX ' in the next few days, that it is costly, and that I am tired of spending thousands of dollars on lawyers to fight corrupt shady scam front pretender lender loan servicer, and that before I retain new counsel is Ocwen and its crooked in-house litigation money hungry XXXX willing to work this breakdown matter out with me, its probably a complete waist of time but I am going to just ask. The representative told me the only number Ocwen has on file for me is XXXX. I have evidence Ocwen has my correct number. The Ocwen representative, ID number XXXX hung up the phone on me.
Consumer complaint received 2016-12-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I like to inform you that these items on my credit report should be removed. Because I do n't owe any balances to the company. I never open a secured credit card with XXXX Bank. I am going to provide the letter from XXXX that proves I never open the account. At this time I like for you to remove them from my credit report to reflect my true accurate credit report. So, that my true character will be shown to my current creditors and those who inquire about my payment history.
Consumer complaint received 2016-11-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.Q. DATA INTERNATIONAL, INC. (NE)

I am attempting to obtain a mortgage loan, and noted in my credit report an item from IQ Data International ( IQDI ), a debt collection agency in XXXX, WA. Because I was unfamiliar with this item, I contacted IQDI, and was informed that the account listed on my credit report ( XXXX ) was not my account, and instead belongs to a XXXX XXXX ( a name which is very similar to my own ). Because time is of the essence, I requested that IQ Data International provide the credit bureau documentation stating that I do not owe this debt, so that the item could be cleared from my credit report. I was told that they were unwilling to provide such documentation because the mistake was made by the credit bureau, and not IQDI. In addition, the person that I spoke with was EXTREMELY discourteous - bordering on nasty. When I then contacted XXXX, I was informed that the mistake was in fact made by IQDI, and that my only recourse was to dispute the items and wait for IQDI to respond, which could take up to 30 days. I was hesitant to file a dispute, as my lender informed me that this was viewed negatively, and further, waiting 30 days could delay closing on a mortgage and jeopardize my ability to complete the purchase of a home. IQDI should be accountable for fixing mistakes, particularly when they admit that their own internal records show that they reported incorrect information to the credit bureau, and they should be accountable for providing documentation of a reporting error when such documentation is requested by a consumer.
Consumer complaint received 2016-04-18
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TN)

In XXXX I bought a new house worth {$280000.00} and I did my closing for the house in XXXX XXXX. I had to wait more than a months all because the broker that seller introduce me to and seller where not communicating. My complaint is that I am in the military and i XXXX a lot but my XXXX was to be a tax free until I found out I am owing amount of {$2800.00} for my XXXX tax return. Because of none available fund to cover this payment, the broker told me to found way for the money and he will pay me back half of the money to me after closing. So I had to borrowed from a friend in other to get the house. To make it short since I closed the house, I tried many times to get the money the broker promise me but a lied. Last time we talked in XXXX, he told me he paid the money to wrong bank account instead of mine. XXXX XXXX was last time I talked to him about the money but he keep giving me excuses, so I had to stop contacting him when I figured out it was a fraud the broker and seller had planned for me just to buy the house. I had to make this complain because twice I thought of filing bankruptcy since I bought the house and that I do not want this to happen to anyone else. People like this were involved in housing collapse in XXXX. My situation is more than this but I will really need to explain more. This man needs to be stop since his running around working from one lender to another. To let you know, I will be making complaint to the FBI and HUD. I want this man be investigate and everyone that was involved for that process. I have there names and contact information which will be helpful to share if I get reply back. Thanks.
Consumer complaint received 2016-12-11
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (VA)

Santander Consumer Financial USA had put me on a do not contact list of some sort while I was a cosigner on a vehicle that they held the loan for. For 4 months, I had received no word on any missed payments or any information at all about the vehicle loan. I was put on a do not contact list without my permission which resulted in me not being contacted about 4 missed payments.
Consumer complaint received 2016-04-18
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Shellpoint Partners, LLC (OH)

Our loan officer, XXXX XXXX, lied to us on two occasions. The first occasion began when my wife and I asked for our rate to be locked at 3.75 %. She responded the next day by saying that our rate was locked as of that day and that we would be receiving a form to sign to that effect. We waited a week before emailing again to inquire about the form as we had not yet received it. She responded that day by saying that our rate was locked but at 3.875 %. She wrote in her email to us that she thought that " we had discussed this. '' Of course, that had not happened. We had no email notification and no phone contact with her. I will apologize and withdraw this complaint if XXXX can provide so much as a phone record stating that she spoke with my wife or I during the week since stating that our rate was locked while referencing a document listing 3.75 as our rate. 

I contacted XXXX 's supervisor to have him correct her behavior. He did. However. No apology was given. And while we requested a new loan officer on account of XXXX 's behavior, our request was not granted. In fact, XXXX then called and left a rude and unprofessional phone message. 

On the second occasion that XXXX lied, our realtor was reviewing disclosures a week prior to closing and noticed that some closing costs were being billed to us. Our realtor emailed XXXX ( while cc'ing us ) to ask for an explanation as the understanding was that no closing costs were to be billed. As I saw no response from XXXX to our realtor, we emailed her asking for an answer. XXXX emailed back to say that she had already responded to our realtor in stating that they would be removed just prior to closing. This was a lie and our realtor immediately noticed and wrote her back to say that she had received no such response. When I emailed again ( while cc'ing XXXX 's supervisor ) XXXX responded by rudely stating that it was n't her responsibility to explain things to our realtor - completely ignoring the fact that she had just lied to our realtor, my wife, and I. 

Further, it was our understanding that we were to have received a final loan disclosure document 10 days prior to closing. We did n't see the final document until we were at the signing. We had to check whether or not XXXX had changed the terms of the loan at the signing. 

Our experience with XXXX XXXX and XXXX XXXX was extremely unpleasant. We will make sure that everyone we know and who will listen will know about our experience.
Consumer complaint received 2016-12-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (CA)

I submitted a complaint few months ago about my lender. I was contacted by an executive representative at PNC, XXXX XXXX. I was informed by XXXX that everything was a misunderstanding with my lender. XXXX advice not to worry that she was going to help with the mortgage. In exchange I was to dropped the complaint with the CFPB. Which I did n't do nor I agreed. On XXXX XXXX, XXXX informed me that my loan modification was approved for a trial payment in the amount of {$1800.00} with 2 %. On XXXX I was informed that the loan modification was denied because of title issues. XXXX advised to fax the requested document ( a letter changing the vesting on title ) once the that was received they were going to lease the trial documents. I faxed the requested documents to XXXX. A month of false information by an EXECUTIVE at PNC, I received a denial letter. This letter stated that my loan modification has been denied for all options. I 'm requesting for someone to PLEASE HELP ME. How can lenders play around with homeowners like that? This is not just a house its my life investment. They have played me as fool. I have spend so much money faxing everything that they have asked for. They misled me on wrong information. I am asking for you assistance. This cant end like this. I 'm trying to stay in my house and pay what I owe. Please help, I do n't want lose my home. 

Thank you in Advance, XXXX XXXX
Consumer complaint received 2016-05-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IL)

Equifax fails to remove the XXXX XXXX XXXX XXXX account. Equifax reports incorrectly that this account has a balance {$22000.00}. Equifax reports incorrectly that this is an XXXX account. Equifax reports incorrectly this account 's Date of First Delinquency. Equifax continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Consumer complaint received 2016-07-06
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (NV)

sam 's club mastercard is issued and serviced by Synchrony bank. 
I recently applied for a credit line increase and was denied for the follow ing reasons. to few accounts currently paid as agreed lack of recent installment loan information. 
a review of my XXXX credit report does not reflect the above items.
Consumer complaint received 2021-03-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

Due to the covid 19 I had to close my babysitting business which is a family home care for kids I was closed from XXXX XXXX wells Fargo send me a letter stating that they gave me an extension and it would not be reported to the credit bureau also they told me that the money owed would be placed to the back of my loan and I would start from fresh they placed me with different specialist people and the letter they send me said the same thing on XXXX I still had no kids from my babysitting due to covid 19 I asked them for more time because they said I was eligible for it i had to call XXXX to XXXX XXXX XXXX XXXX to see if they can help me to lower my mortgage payment because it was insane that payment they gave me and they lied before the covid XXXX had done a recast on my mortgage which they never gave it to me due to the covid 19 these people wells Fargo pay with people feeling 's all I want is for them to put the payments that i was late due to the covid 19 to the back of my mortgage and give me the recast they promised which was never kept please they want me to do a short sale and i have lived in this home for 17 years this is my kids home and they love it also i beg you to please help me out with this situation that I'm facing thank you XXXX XXXX XXXX ) XXXX also I would like you to investigate my mortgage there is lots of fraud things going on with this bank wells Fargo my account is XXXX thank you once again and may you have a bless day
Consumer complaint received 2017-03-24
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (SC)

I applied online at annual credit report for my free report for all XXXX agencies. I was denied and later XXXX and XXXX sent me a letter in the mail. XXXX provided me with a reference number to enter on their site and I was able to view and print the report. XXXX provided a form to fill out and mail off to along with proof of residency verification. Equifax has n't sent me a letter and it 's almost been a month now. I 've contact customer service and they tried to charge me a fee, which I repeatedly told them no. They told me to go online to Annual or call them and I told them that I already did. The rep help me reset my username and password on their site, and once I was able to login successfully, there was n't a report to available for view.
Consumer complaint received 2016-12-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a victim of identity theft and Transunion is refusing to delete the items and block them from reporting. I mailed A CERTIFIED LETTER ( received XX/XX/XXXX ), police report, and identity theft report to you and the items are still appearing on my credit report. According to the FCRA XXXX ( XXXX XXXX. XXXX ) ( a XXXX XXXX. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of -- ( XXXX ) appropriate proof of the identity of the consumer ; XXXX XXXX XXXX a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and XXXX XXXX XXXX a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection XXXX a ) of this section -- ( XXXX ) that the information XXXX be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section ; and ( XXXX ) of the effective dates of the block. 

I have sent creditors and XXXX the id theft report and police report as well so why is Transunion verifying with them Is beyond me. They are not abiding by the laws to block these items that I am in no way related to
Consumer complaint received 2016-12-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I had cable service with XXXX. When I returned the equipment because I was moving, XXXX said they would send me a final bill. I never got a bill, nor did I get a call from them ( I had the same phone number as when I was a customer ). My mail was being forwarded. The first I found that XXXX expected payment from me was when my account went into collection. I immediately paid XXXX, but the Adverse Account has ruined my credit. My account should never have gone into collection because I was n't billed or contacted, and therefore it should be deleted from my credit report. TransUnion refuses to delete the entry. XXXX, the collection agency, also refuses to request the entry be deleted because there 's nothing in it for them. I 'm not their customer so they do n't care that my credit is ruined.