davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-11
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: TD BANK US HOLDING COMPANY (DC)

I started the process of refinancing my home with TD Bank on XXXX XXXX, 2016. Due to no fault of my own, my scheduled closing has been delayed three ( 3 ) times. The following timeline will explain my disappointment with TD Bank and the need for an immediate resolution. 

XXXX XXXX - Received a generated email from XXXX XXXX ( TD Bank Processor ) stating I was conditionally approved for my refinance. 

XXXX XXXX - I left a voicemail with XXXX XXXX asking for a return call. I received no return call. 

XXXX XXXX - I received another email from XXXX XXXX requesting additional documents. My tentative closing was set for XXXX XXXX, 2016 and the rate lock confirmation set through XXXX XXXX, 2016. 

XXXX XXXX - I sent a follow up email restating the same questions I had regarding my documentation from XXXX XXXX, 2016. As of this day there has still been no verbal communication with XXXX XXXX. 

XXXX XXXX - I had my first conversation with XXXX XXXX nine ( 9 ) days after my initial voicemail. 

XXXX XXXX - I submitted all requested forms to close my refinancing. 

XXXX XXXX - I received an email from XXXX XXXX stating the TD XXXX team needs more information from my HOA. I talked to my HOA representative that day and was informed that she had made several attempts prior to XXXX XXXX, 2016 to contact XXXX XXXX based on the request XXXX XXXX sent to her. XXXX XXXX never responded to my HOA representative. Therefore, I had to take time off from work to initiate a teleconference between my HOA representative and XXXX XXXX to resolve any questions XXXX XXXX had. I later received an email that day from XXXX XXXX stating she had all the necessary information needed from my HOA representative to report back to the TD XXXX team. 

XXXX XXXX - I emailed XXXX XXXX asking what time my closing is set for on XXXX XXXX because I have received no update from her. 

XXXX XXXX - XXXX XXXX responded to my XXXX XXXX, 2016, email repeating the same exact questions that were addressed and resolved by my HOA representative from XXXX XXXX, 2016. My thoughts : Why is XXXX XXXX asking the same questions that were resolved six ( 6 ) days ago with my HOA representative. This in itself delayed the entire closing process unnecessarily and shows her incompetence. In this same email from XXXX XXXX tells me my closing date has been pushed back to XXXX XXXX, 2016. 

XXXX XXXX - I requested for the second time what is the status of my closing. She did not respond. Later that day, I sent a separate email attaching my Payoff Letter from my current lender in which she responded, " Thank you but usually I ask the title company to get this so the borrower does n't have to ''. Which leads me to believe that she completely disregarded my email from earlier in the day. 

As of XXXX XXXX 2016, TD representatives have still not completed my file due to their lack of professionalism and continually ignore emails from me.
Consumer complaint received 2015-09-26
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (GA)

Since filing an initial complaint against SunTrust bank to CFPB, I have encountered another major problem with the same bank. After Suntrust closed my bank account on Monday, XXXX XXXX, 2015, I was scheduled to have my social security XXXX check direct deposited into the account and Suntrust is refusing to release my XXXX funds and any other funds I already had in my account. Since filing my original claim with CFPB, received a letter from the bank stating the checks they are investigating are being held until XXXX XXXX, 2015, it does not state the bank will hold any other funds. I have spoken with a few people at Suntrust who have tried to possibly help me but have said there is nothing they can do and I will not be able to make any withdrawals. No one involved in this investigation at the bank has contacted me, I did not receive any notification that my account would be closed nor am I able to speak with anyone in their fraud department. I have had this account around four years and never had an issue like this until I complained about not receiving credit for a transaction dispute and told them I would be closing my account at the end of the month. What I am going through I feel is financial retaliation. I desperately need help because Suntrust is not giving me any kind of timeline for releasing my social security money which is my only income.
Consumer complaint received 2019-02-02
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: Experian Information Solutions Inc. (NC)

In XX/XX/XXXX I noticed several inaccurate and fraudulent address, accounts and inquiry 's on my credit report. I believe I am a victim of identity theft due to several security data breaches I have been involved in with companies such as XXXX XXXX and XXXX XXXX. I am requesting that these accounts are removed from my credit report immediately as this is severely impacting my life.
Consumer complaint received 2019-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (GA)

I am requesting verification of information for my account. 
Please provide the following details for each credit bureau ( XXXX-XXXX-XXXX  ) 1. The Account Date Opened 2. The Final and Last date account was Updated by your company 3.The Date last payment made on account 4. The Date account sold and company sold to 5. The dates you responded to any investigation verification for any of the 3 credit bureaus 6. The credit details and information you reported and account details you reported on those dates 7. The amount of 30-60-90-120 payments reported on this account I am requesting this information for XXXX XXXX and XXXX
Consumer complaint received 2016-08-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (MD)

I have a relaitvely small XXXX XXXX mortgage on a property in XXXX XXXX XXXX, GA, that is managed by SunTrust Mortgage. SunTrust consistently makes errors in the management and billing associated with the mortgage. Each time they do so it takes a great deal of time and effort to get the problem, no matter how small, addressed and eventually solved. Not surprisingly, the errors always favor SunTrust, not me. 

Early this year because of a shortfall in the previous year 's assessed escrow, SunTrust gave me the option of paying a lump sum to bring the fund in line, or a higher monthly rate going forward to address the deficit. I chose to make a lump sum payment. But they failed to allocate it properly and thus claimed my subsequent monthly payments were short and subject to additional fees. After numerous letters and phone calls they finally acknowledged their error. But meanwhile they tacked on a small fee ostensibly pertaining to an inspection or appraisal they intended to do to the property -- which was never done, or at least they never reported the outcome to me. Neverthelss, they continue to take on a small fee related to it : {$4.00} per monthly lately. Each month I call and demand that they remove it and they do so after eating up a half hour or more of my time. Each time they assure me that the problem will be corrected, but the fee shows up again the next month -- most recently in my statement dated XXXX/XXXX/2016. I am coming to believe that SunTrust willfully makes it needlessly difficult for customers to resolve problems on their loans when those problems benefit the bank.
Consumer complaint received 2016-05-04
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: TJC Mortgage, Inc. (TN)

On XXXX/XXXX/XXXX we were told by XXXX XXXX at TJC Mortgage Inc, via email that we qualified for 3.25 % fixed and to skip XX/XX/XXXX and XX/XX/XXXX payments and we would receive {$1900.00} in escrow. This was our whole reason to refinance our VA from 1.75 ARM to a fixed rate, the large escrow and the skipping of two months. Our pymt would go up but we would be able to pay off other items with the XXXX that we were told we would receive. On XXXX/XXXX/XXXX I sent XXXX the email and a copy of our mtg loan transfer and he said " it would have no affect but to send the letter so he could get the updated payoff '' via email. ( at this time he would have been CLEARLY aware that our previous mtg holder paid the insurance with the escrow. I found out XXXX XXXX, XXXX XXXX I was sent a late pymt notification from our previous mortgage company and at that time I asked about the escrow account and they told me it was paid on XXXX/XXXX/XXXX. However, XXXX or TJC Mtg did not inform us of this change and proceeded with the closing while knowing we were under the assumption of receiving this {$1900.00} in escrow. They sent several emails over and over again that had the exact same information to sign electronically but they failed to include the fact that the escrow or Insurance had been paid therefore we would only get to skip two payments. We would NOT have moved forward with closing and I 'm sure they knew this and that 's why it was NOT mentioned. Instead of the {$1900.00} we got {$250.00}. We did not close on this until XXXX XXXX, XXXX so they were CLEARLY aware of this and no one brought it to our attention. We would not have moved forward for we still had an additional year for our 1.75 % and would have been able to pay off more principal on our home. Instead we were deceived, they got a new mortgage ( so still making money off of us ) and we our out the {$1900.00} and we have a {$200.00} per month higher payment which is odd because the numbers he quoted at the beginning actually went up and our house was less to pay off and the escrow was paid in full on XXXX XXXX, XXXX. So I 'm not sure why it 's about XXXX per month higher than he quoted us in the first place. We understand refinancing number will be off a little, but knowingly withholding information such as the escrow ( because they lure you in with this! ) is deceiving the payee, me.
Consumer complaint received 2016-08-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (PA)

My federal student loans are held with PHEAA, d/b/a Fedloan Servicing as I am currently on an income-based repayment ( IBR ) plan and participating in the Public Service Loan Forgiveness ( PSLF ) program. 

On XXXX XXXX, 2016 I submitted my annual IBR application recertifying my income information via the Department of Education 's XXXX website. However, I later realized that when clicking through the certification, I had accidentally not checked my status as " married '' and had instead selected " single ''. Upon realizing my mistake, I then submitted an IBR application " income recalculation request '' to correct the error on XXXX XXXX, 2016. The error results in an increase of {$100.00} per month in additional payments. PHEAA denied the recalculation request on XXXX XXXX, 2016. I then called and spoke with a customer service representative who instructed me that the denial resulted from a system process that automatically denied the request due to it being a " recalculation request '' and explained that if I instead submitted a new annual certification of income eligibility, they would be able to process the correction to my marital status. On XXXX XXXX, 2016 I submitted another annual certification, which PHEAA denied on XXXX XXXX, 2016. 

I am grateful for the opportunity to participate in IBR and PSLF as a way to manage my debt, and I also appreciate the difficulty faced by PHEAA in managing a large and complex repayment program. However, at this point I have no alternative but to escalate what should have been a simple correction to the CFPB for resolution.
Consumer complaint received 2015-06-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (VA)

Monday morning XXXX/XXXX/2015 we had a disturbing experience while visiting the SunTrust XXXX VA branch. For over a year and a half, we have had a home mortgage with SunTrust. Several times we have received communications from the bank suggesting that we consider making biweekly payments instead of XXXX a month as we had been doing. This seemed like an interesting idea, and we tried to sign up, which necessitated several unhelpful trips to the branch. It finally started to happen with XXXX payments being taken out of our XXXX XXXX account on the XXXX and XXXX of XXXX, against a due date of XXXX XXXX. We were pleased to see this occur -- until we received a letter and XXXX phone calls telling us that we were overdue with our XXXX payment. 

Since we are on time with payments, and clearly STI had the money in hand for our XXXX payment, we did not understand why we were overdue. The gentleman at the branch was n't sure either, so he called the mortgage department. A lady on the call explained to us that the {$2400.00} STI had in its possession by XXXX XXXX XXXX and which could have been taken by XXXX XXXX ) remained unallocated against our loan and did not represent a XXXX payment, but was instead considered an advanced payment for XXXX, which was n't due until XXXX XXXX! Therefore, we still owed STI {$2400.00} for our XXXX payment. 

The net effect of this " unallocated '' collection is that STI perpetually has the free use of {$2400.00} of our money, since STI will always have our {$2400.00} a month ahead of the due date. To the extent that this is true, and that others have enrolled in the XXXX payment system, which STI bills as a better deal for the borrower, the real beneficiary would seem to be SunTrust itself, with an ever increasing unallocated float as more people sign up. 
We are enclosing a copy of an STI printout that clearly shows the unallocated funds in our account. Also enclosed is a copy of the letter we received dated XXXX XXXX, but mailed in an envelope dated XXXX XXXX, confirming that we were enrolled in the XXXX program. There is nothing in this letter that remotely suggests that the biweekly funds being withdrawn in XXXX did not constitute payment of that month 's installment.
Consumer complaint received 2015-08-14
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Med-1 Solutions, LLC (IN)

I was unaware of this debt until I served with a summons. Med 1 is suing me. I received the summons on XXXX for a court date XXXX, During the weeks prior I tried to call Med 1 to see about a settlement but no one there was helpful and my attempts were deflected and futile. I have a company working on my credit and asked them what to do. They sent a letter ( attached ) asking for details on this. The " lawyer '' XXXX XXXX '' at Med 1 refused to give him the information since they are not a law firm requesting it. Even though I did sign a power of attorney permitting the company to act for me. 
As a result I was lucky to get a continuance but only until XXXX. 
I need details on what I am being sued for. How can I defend myself when I do n't have any of the information? 
This company is trying to skirt Federal law and bully me.
Consumer complaint received 2016-09-07
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: LOBEL FINANCIAL CORPORATION (CA)

I purchased a loan from Lobel financial. I just found out after 3 1/2 years with them and a loan that 's close to being payed off, that I was being charged every month for the passed 39months {$25.00} for " late charges ''. Yes I might have been late XXXX 2 times but not 39 months. This is due to a insurance lap that they say happened. I have not had an insurance lap. I have sent them everything to fix the ongoing balance of {$110.00} but they " never '' receive it. I have even had my insurance agent personally talk to my financial agent and somehow someone is either not sending or not receiving anything. 

They wanted proof for XXXX 2015. Took them a total of 8mths to fix that issue I told them to credit me for all the times they charged me {$110.00} extra on my bill, XXXX agent told they they had already done that I said ok and that was that. Forward 2 mths later and now I 'm dealing with the same over charge of {$110.00} because of a laps of insurance on XX/XX/XXXX 2015 and on top of that the cause of my every mth late payment is due to the fact that they never told me I had that fee so every month when I would make my payment of {$510.00} those {$110.00} will get left behind and added to next mths as late payment. I feel like this is no rite and they told me that once I get done paying my loan I 'll have another " hidden fee '' of {$1000.00} waiting for me of late fees. Please help
Consumer complaint received 2015-04-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Aargon Agency, Inc. (CO)

There are XXXX collections that have recently been put on my credit report by a collection company and they have no record of the collection. I have tried to dispute the items with the bureau and they have come back as verified and not going to be deleted according to XXXX. I do n't know where else to turn to help as this item is severely damaging my credit.
Consumer complaint received 2019-02-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NC)

PayPal has failed to communicate properly with me around a dispute I reported to them on XX/XX/XXXX. After reporting the problem, PayPal web site prompted they need to contact the seller of the digital goods ( that I never received ). They confirmed recently they never heard back from the seller but then closed the case without properly communicating the results with me via mail. They are not allowing me to escalate the issue or follow up the status of this case which is very surprising and disappointing. 

PayPal is simply denying addressing this and such cases where a customer is reporting an illegitimate payment, but the seller does not even provide any feedback ; Instead of cancelling the transaction and refunding the customer when seller does not even responds to PayPal follow-ups, PayPal refuses to proceed with the original reported problem and requires further input from the customer. PayPal should have refunded me in first place after the seller did not get back to them, or at least contacted me via mail for next steps. Even if none, they should allow customers to be able to follow the claim and not to BLOCK them systemtically from processing it. The customer service response was very disappointing when I tried to create a follow up ticket.
Consumer complaint received 2016-01-07
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NORTHERN OHIO INVESTMENT COMPANY (OH)

I had loan pre-approval XX/XX/XXXX, I provided updated financial docs XX/XX/XXXX prior to making my offer on a condo and now 2 months later I feel I am no longer to actually closing on my loan and have had inconsistent communication from my loan XXXX regarding my loan in process. I dont understand how someone with an XXXX credit score who has their financials in order and has provided every doc requested within 24 hours to purchase a reasonably low priced home within their means can not even have a close date after 60 days in progress. Though I understand an exception approval from XXXX was needed for the condo complex and it caused delays, I dont see why the documents were not able to be prepared, waiting for the approval to move forward. I verbally reviewed updated figures 3 weeks ago with my loan officer and I still have not seen any updated documents. If there are delays outside of anyone 's control, I can understand that but I dont feel that I am being very well communicated to in order to understand. I email and leave messages for my loan officer and I dont get responses for days, and I 'm made to feel like I 'm harassing her just to get information on my home. I have expressed that I have no lease in my current home and cant even work with my landlord for an arrangement because no one can give me an estimated closing date and I could be kicked out of my current home at any moment and I dont have a new home to move in to! Prior to my investor exception approval, I looked into my options at another lender and found that the closing fees and costs with XXXX are higher than they could be but after I received approval, I decided to finish with XXXX as I assumed I would have closed much faster than starting new with a new lender but I am regretting this decision as I feel no closer to closing then I did 2 weeks ago when the approval was made. The homebuying process is an enormous decision and should be fun and exciting and my experience with XXXX has caused the process to bring me nothing but angst. There have already been XXXX extensions with the seller and I am going to lose the property if this can not get closed and completed as soon as possible.
Consumer complaint received 2016-09-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Meridian ARG Inc. (FL)

I have received several calls over three days from Cambridge Asset Management from a landline number in Tennessee. I do not answer calls I do not recognize. They do not leave a message. I called them back to see who was repeatedly calling after the 4th call. They wanted to speak to " XXXX. '' I told them I am not " XXXX '' and to quit calling my number. Immediately upon hanging up the man called me back using " unknown ''. When I answered and recognized his voice I again told him to stop calling me. They called twice again today. I called back and asked for the name of the company. He told me and I asked for their address. He asked why I wanted to know. I told him I had repeatedly asked them not to call my number and I was reporting them for harassment. He asked who I had spoken with yesterday and I told him he was the one I spoke with. He tried to say it was not him. Unless he has a twin brother who sounds like him it was the same person. When I would not buy his " we only called today and I am not the same guy '' spiel he hung up.
Consumer complaint received 2019-02-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SCA Collections, Inc. (SC)

Scam collections is reporting two accounts on my credit report one for a  XXXX balance and one for XXXX. I have not received information from them reguarding the balances owed and even after trying to pay just to have it cleared off of my report SCA Collections refused to remove the paid balance and is still Showing XXXX on my credit report. I do not believe these bills to be accurate or factual and have received no Information from SCA to prove they are. Please delete both accounts from my report