davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-15
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC. (GA)

SunTrust bank has stolen money by assessing charges not needed on the account. I have a Business checking and on XXXX/XXXX/2016 a deposit was made of XXXX however, the bank took all my money claiming I owed fees. The account had a beginning balance of XXXX. It is a new account that I reopen because I have a small business. I delayed from having any real activities because I have been violated by XXXX bank and XXXX XXXX involving thousands of dollars in bank fees and over draft supposedly. However if the balance was XXXX and I spent XXXX how is it possible for a XXXX to be attached to me and furthermore how is it possible to accrue a fee at all XXXX than the XXXX maintenance fee for not having XXXX in the account. secondly there was another charge of XXXX and another fee of XXXX was added. The bank took all of the XXXX and justified it off of bogus charges. I did get fast cash back off of XXXX understanding a fee would be attached. I also was expecting and still expecting a large amount social security to be deposited in my account. when I asked the bank to pay XXXX XXXX they did not pay and charge me a fee of XXXX when their is a XXXX-card logo that could decline the transaction. I was charge another extended fee {$76.00} which was not discussed during the banking process. So all my money is gone. I also have had issues with my accounts in the past and the and the bank has been robbing every since please review these personal not business accounts which the branch manger did not give me. however, once you do your investigation. please investigate all history with this company and I am convinced that they have made me pay the bank a substantial amounts of money so I can keep my name clear from and fraudulently or what appears as fraud to myself. Personal I asked for my business account to the GM did not want or said he could not give me those even though my matter was dealing with a business account. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX My telephone number is XXXX and my email is XXXXXXXXXXXX. I have been a victim of fees. I have also been a victim of XXXX
Consumer complaint received 2016-08-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (GA)

I got a loan in XXXX 2011 from Stafford loan for my XXXX at XXXX University. I recently found out I was involved in predatory lending on this {$8500.00} loan. The lender actually took the 6.8 % that I was anticipating, but also took another loan out for {$0.00} at 6.8 %, so I was paying 13.8 % on that loan. I consolidated it last week so it would n't happen anymore, but wanted to find out what I could do to get the extra money I paid in interest back from 2011.
Consumer complaint received 2017-03-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc. (GA)

Medical Data Systems is a third paty collection agency that provide collection services for XXXX. My family was provided XXXX services at XXXX for my XXXX in XX/XX/XXXX. There was change in my insurance which caused some billing issues with XXXX and instead of providing me notificaiton they sent my account to collections in XX/XX/XXXX. I contacted Medical Data Systems after receiving a phone call and a notice in the mail regarding this account. When I contacted them they stated to me that they purchased the account from XXXX and were trying to collect a debt. My husband contacted XXXX on my behalf and XXXX informed us that they do not sell past due accounts to any company nor do they authiroze any collection agency to post negative remarks on creidt reports. XXXX reviewed the account with my husband and observed that billing errors did exist and they would have to resubmit the blalances to the correect insurance compnay. A dispute was filed with the three credit bureaus to remove Medical Data Systems from my creidt report. Due to new legisaltion purposed by the goverment pertaining to medical bills the collections accounts were removed from my creidt report on the basis that XXXX is still the legal owner of the accounts and that XXXX did not authorize Medical Data Systems to post negative remarks on there behalf. XXXX is still continuing to work on these accounts and the last contact with XXXX took place in XX/XX/XXXX in which the account rep still observed some issues with the billing and submitted all statements to my home address so that the proper appeal could be drafted to complete the billing process. Also XXXX has sent me an application for the XXXX which will take care of any remaining balances that may result from the billing issues which occured almost three years ago. 
After a recent check of my credit report XXXX has illegally resubmitted previously removed credit information back on my credit report. They are fully aware that XXXX still is the legal owner of the account and also XXXX has informed me that any account over two years old has been written off for that corresponding tax year. Medical Data Systems is still claiming that the account was sold to them by XXXX but XXXX has stated that teh account no longer exist and has been written off. XXXX has also stated again that Medical Data Systems has not been authorized to post negative remarks on creidt reports on behalf of XXXX. XXXX stated that the acocunts from XX/XX/XXXX have been charged off and the other remaining balances with them once the billing has been completed will be considered under the financial assistance program.
Consumer complaint received 2016-06-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (CA)

This is in reference to complaint number XXXX company never responded by XXXX/XXXX/16. Long story short I was denied for a loan modification and I accepted this fact. I was informed by PNC that I could submit for a short sale. I am currently in active review for a short sale however, the short sale specialist is stating that the sale date will not be postponed even though I am in active review for short sale. I do not understand how this company is giving me any options to foreclosure, I asked the specialist just yesterday what my options to foreclosure are and she said " nothing ''. Please do not allow this company to continue to treat american citizens like they are trash and have no value. I am trying to do the right thing, submit for mod, then that was denied, so now I am trying to do a short sale so I do not have a foreclosure on my record. They are not willing to help. In addition, they NEVER responded to the previous CFPB complaint, this shows you how ethical they are.
Consumer complaint received 2015-08-18
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (NY)

I am putting a second complaint on Citibank because they sent a response in the last complaint stating they updated the social on my account and re reported the account with my new social to wait 30-45 days for the credit bureau to update the information and I have waited close to 60 days and nothing has been updated this is a perfect example of what I have been going through with them for the last 5 months. I need this account to be re reported with the accurate social I spoke to the credit bureaus and they told me there has not been a reporting from them since 2010
Consumer complaint received 2016-04-05
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC. (IL)

I had a credit card with XXXX. They kept upping my credit limit and charging me XXXX every time without me asking them to. Then, I made a payment at XXXX XXXX on due date and they said it was late because it was after the business day ended. They charged me a late fee which made me over limit and charged me an overlimit fee. I refused to pay and they closed my account but charged me late fees and overlimit fees for 12 months. Account was bought out by Midland Funding XX/XX/XXXX. They began sending me settlement letters telling me if I took the deal, they would reverse my Interest charges. I called and they would not send me a contract in writing saying that fees would be removed, so I told them I was not paying. They began calling me up to 5 times per day even though I told them I knew they could only call once. After I threatened to sue, they stopped calling my phone and started calling my parents house and sending letters there. They had my confirmed address and phone number so this was also a violation. I had to call them again and asked them why they keep contacting my parents. I am XXXX years old and married with XXXX kids. I have never lived at the address my parents live at, and I have never used it for anything. They said that they never got any reply to the letters they sent me so they sent them there. The last letter they sent was on XXXX XXXX, XXXX. I called on XXXX XXXX, XXXX. They denied making calls and told me I could not prove it. They said the last record of a call is XX/XX/XXXX. That is a lie.
Consumer complaint received 2015-07-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Snow and Sauerteig LLP (OH)

My ex wife took my son to XXXX XXXX XXXX for treatment I did not agree with nor gave consent to. She used my Health card information and I was wrongly charged. Multible letters were sent to Snow and saur, last letter sent XXXX XXXX 2014. I am not responsible for this bill. 

Thank you
Consumer complaint received 2021-12-13
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: Experian Information Solutions Inc. (TX)

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2016-10-19
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Byrider Franchising, LLC (VA)

I am currently 12 days past due on my car payment. The day my car payment was due I called from a co-worker 's phone to advise my finance company of the exact date I would be able to pay. ( exactly 13 days from my due date ) I clearly informed my finance company that I was contacting them to keep them informed and I had no previous due balances. I informed them that I was letting them know so that no collection attempts were made. They are repeatedly calling my coworker, friends, and family to try to collect my car payment, and the day that I promised to pay has n't lapsed. Yesterday they called my coworker back to back 5 times in a row until she answered the phone and informed them to not contact her again otherwise she will press charges for harassment. They are embarrassing me to all of my friends and family and I 'm currently only 12 days late on my payment. This has also happened in the past when I needed to pay late. I 've never paid my bill later than 14 days past due. This is clearly harassment. They will text if no one answers the phone even after I 've requested to never be communicated via text. They are claiming to my friends and family that I have not communicated to them when I 'm going to pay, and they are stating that they are just trying to help me, however there is no help that they could give. I have asked to be switched to a monthly payment instead of a payment every 2 weeks, which would be helpful, however they are unwilling to do so. I am still planning on making my payment as promised however they will not cease with the embarrassing phone calls to my friends and family. I have requested that they never call my friends and family again in the past due to their embarrassing and harassing behavior and they continue to do so if I 'm ever late for a payment. I would understand the calling if I were months and months behind however they do this starting 3 days after payment is due whether I contact them or not. This can not be legal!
Consumer complaint received 2016-07-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HW Holding, Inc (FL)

The bill should only be XXXX. XXXX in XXXX, FL stated a payment was late and added a {$50.00} late charge. DO Not Let Your Kids move in those apartments. This is a bad place for students to live. Please have them to give you a detail of payments from my son account. Never late paid 4 months in advance. I tried for 3 months to speak with someone in management. This is 3 hour away from where I live. I never received a call back. They have students running there office. I will pay the amount that is owe of {$92.00}. I have a credit score of XXXX it dropped toXXXX do to this. Please remove off my credit until this dispute is settle. You should look into XXXX adding extra on each bill. Please look into this matter so that I can settle it once and for all! Thank you for your time!
Consumer complaint received 2016-11-04
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (GA)

OK hope this works this time. Been looking for a puppy XXXX for 2 years. Fri came across XXXX We converse and emailed for 2 days before we made our decision. Sun we agreed to pay the XXXX. In the initial email it takes all we have to pay is the XXXX to get the puppy with akc papers bc the company has coupons for free shipping for the puppies for Mon Wed and fri. Sun evening I moneygramed XXXX to XXXX. Mon morning I got email saying thankyou for choosing them and that they were doing the paper work on the puppy and they will take him to XXXX pet movers by Wednesday. Wednesday morning come and I get a email from pet movers which is saying that I have to pay XXXX for insurance on the dog. I told them I ca n't afford that. I emailed XXXX and told them what XXXX said and that I ca n't afford that and that was n't in the email or the website. Get email back from XXXX saying they are trying to work the money situation. I replied no I just want a refund. Never heard nothing else. Thursday morning I repeatedly called and emailed XXXX. They blocked my calls and my daughter calls. I call private and finally got an answer after about ten tries. The people saying I can get my money back on ten days. They had me on speakerphone. The playing rap music in the back loud as XXXX laughing talking mocking me etc .... Needless to say I 'm out XXXX
Consumer complaint received 2021-12-13
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: REVERSE MORTGAGE INVESTMENT TR (CA)

I applied for a reverse mortgage with Reverse Mortgage Funding, LLC on XX/XX/2021. My loan advisor, XXXX XXXX, informed me it would take approximately 30-45 days to process. I got my counseling certificate on XX/XX/XXXX. For the next several months the loan process dragged on. The company finally requested an appraisal in XXXX but rejected it because " we don't want it '' is what XXXX XXXX told me. They then requested another on in XXXX. That appraisal was submitted by a certified accredited appraiser, that Reverse Mortgage Funding chose. The loan continued to drag on. XXXX XXXX assured me every month that the loan would close that month which it never did. She told me again it would definitely close in XXXX which it did not. In XXXX she contacted me to say that my loan was approved but Underwriting had changed the value of my home, downgrading the appraisal. I had so many red flags on this company, this was just another one. I decided not to sign the papers for their downgraded value ( which I understand from speaking to a real estate attorney is not legal ). Then I contacted them via mail and asked what their mediation/in house resolution process is. I never heard back from them. I filed a report with the XXXX  asking that the company contact me. They have not. After 5 months, it is still unresolved. I would like to get my reverse mortgage based on the appraisal. I am XXXX years old and have never been treated so insensitively and disrespectfully by a company.
Consumer complaint received 2016-08-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

My mother XXXX XXXX passed away. I am the daughter and am trying to do the right thing and getting things situated as best as I can. Chase is well aware of the passing of my mother, and well at the time mother passed I had no idea all that came with that. I was not aware I needed to go through probate, which I am doing so now. However as you may already know probate does cost money, and had to gather the funds for an Attorney. Currently I am in the middle of Probate with the last court hearing of XXXX XXXX, 2016. Chase is well aware of this hearing as I have provided notice, and have stressed to the representatives I need them to notate probate last court hearing on XXXX XXXX, 2016. I did stress to representative I am not being provided with information about the account, I am not asking anything about the account and instead are providing them with information about the account. I am simply asking for help with the postponement of my sale date of XXXX XXXX, 2016 to allow the probate matter to finalize and finally be able to speak with Chase mortgage and Chase mortgage to finally be able to accept my payments. See Chase would not accept my payments because I am not the borrower, which is why I am not facing foreclosure. Please help me all we need is time, time to allow the probate to finalize, which again will allow Chase to accept payments from me.
Consumer complaint received 2016-10-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (WA)

I emailed Caliber Home loans on XXXX XXXX asking for a payoff statement as I intend to pay the loan off. 
7 days later, they responded, saying that I needed to provide a date that I wanted payoff through and to provide a fax number. 
I responded immediately on the XXXX, saying please give me payoff through XXXX XXXX and gave them a fax number to fax it to. 
Nothing happened XXXX XXXX, I re-contacted them again via email and asked that the case be escalated to a supervisor as I felt they were deliberately delaying me to continue to collect interest. 
XXXX XXXX, I receive an email stating that that they can only send a payoff for 10, 15, 30 days. My prior response on XXXX XXXX with a request for XXXX XXXX payoff would have been 10 days ... 
I sent several more emails asking for a payoff without response. Each time I asked that they escalate to a supervisor. They never did. 
No response since XXXX XXXX. I filed a complaint yesterday with the Federal Reserve and advised them of the fact. No response.
Consumer complaint received 2016-08-10
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (GA)

I signed up for an American Express XXXX credit card with an awards points offer. I met the spend limit but my awards points are " locked '' because my account is under review per the awards team members I have spoken with. They told me my points could be locked for XXXX8 weeks during the review. I am trying to use XXXX of the XXXX points I have to book travel with my family. I do n't understand why it would take XXXX8 weeks to verify my spend on the card. They do n't expect me to take XXXX8 weeks to verify the charges and make payment when they send me a statement. 
When I called to talk with American Express about this issue they told me that 's just the way it is and there was no one I could talk to about it.
Consumer complaint received 2015-07-30
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

In XXXX, 2014 I entered a written dispute with XXXX reference account number XXXX as contained on my consumer credit profile at XXXX, XXXX and XXXX XXXX. Specifically alleged, ASSET ACCEPTANCE LLC was attempting to collect a debt for which I had no knowledge and alleged was fraudulently opened by an unknown XXXX party. Moreover, said account was appearing XXXX on my consumer credit profile notwithstanding the allegation of a single debt owed. 

ASSET ACCEPTANCE LLC failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with ASSET ACCEPTANCE LLC an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. ASSET ACCEPTANCE LLC failed to report said debt as disputed and failed to conduct an investigation into my allegations of fraud. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account. 

A review of records compiled by the state XXXX XXXX XXXX XXXX in Florida indicates that ASSET ACCEPTANCE LLC is not currently licensed to conduct business pursuant to section XXXX, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX, XXXX and XXXX XXXX is an unfair and deceptive trade practice. 

Several phone calls to ASSET ACCEPTANCE LLC have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of fraud. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my XXXX, XXXX and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of fraud.
Consumer complaint received 2016-05-25
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (CO)

This complaint is against Quicken Loans. My wife and I applied for a mortgage through Quicken. We received pre-approval through the company and as a result paid {$500.00} to Quicken for the loan to proceed to closing. After a period of weeks, Quicken Loans decided not to close the loan because it said it could not count a portion of our income. Our concern is that of two of Quicken Loan 's pre-approval staff gave the loan pre-approval after their review but when the loan went to final underwriting another team decided to disqualify a portion of our income with no explanation. We are concerned that the portion of income Quicken ultimately decided not to use is from our small business that is minority and female-owned. We are concerned that somewhere in the higher ups at Quicken Loan there is a discriminatory reviewer who is implementing discriminatory practices against women and minorities. The company employees who gave pre-approval to our applications are also at a loss to explain why the application was rejected in the final stage.