davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (MI)

On XXXX XXXX, 2016, I checked my account I had deposited {$59.00}. First Merit has taken {$10.00} out of my account. I had set up a savings account with First merit a few months ago with the bank Vice President XXXX XXXX. She told me that if I set up a savings account that it would cover my checking in case my account was overdrawn. My account had been overdrawn a week before by {$9.00} I did not know otherwise I would have transferred the money my self into my checking account. First Merit was supposed to had sent texts to my phone when my account was low or overdrawn they have not done that yet. I saw XXXX XXXX about this matter and contacted First Merit and they still have not activated the texts to go to my phone. XXXX XXXX asked did I want to set a up a saving but she never specified that I would have to pay {$10.00} for the savings to checking transfer. I guess she was just interested in selling the banks products!! I called on XXXX XXXX and spoke with XXXX XXXX she stated that when I signed up for the savings that I had to pay for this fee. I told her that I wanted my money back she told me " no ''. I told her that she never stated anything about the fee. She then yelled at me saying, " well do you want me to refund the {$10.00} and charge you an overdraft fee of {$35.00}! '' I said, " no '' " I want you to refund my {$10.00} period! '' I said that I should go to another banking institution that is forthcoming and honest such as a credit union. She asked did I want to close my account and I told her that I will come up to the bank when I am ready. I said, " you ca n't tell me what to do. '' XXXX XXXX stated, " I can tell you what to do and in 30 days if you do not close your account with First Merit, I will close it for you! '' I then hung up the phone.
Consumer complaint received 2016-03-15
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: SLM CORPORATION (IA)

I have received 8 calls in the today since XXXX XXXX and it is now XXXX XXXX. this is absolutely uncalled for. I already told them I would make the payment Friday and they advised they do n't do promise to pay. why would you call me 8 times in the matter of 8 hrs. to hear the same thing I have told XXXX reps.
Consumer complaint received 2016-05-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION (NY)

I have XXXX loans ( we 'll call them the " XXXX '' and " XXXX '' loans ) with Sallie Mae currently- they 're under the same account, but for XXXX different school years. The XXXX loans have their own cosigners, XXXX who have been making monthly payments on their respective loans. We do not use Sallie Mae 's automatic Bill Pay option, as the cosigners would rather have control of the flow of payments through their own banks. 

Over the past several months, whenever a check was sent to Sallie Mae to pay for the XXXX loan, it was always allocated to the XXXX loan, instead. As a result, my XXXX cosigner and I were notified that a payment was overdue. I 've called them many times over the past months to reallocate these payments, and it would take days for the changes to take effect. Often in the meantime, it meant that a late fee would be charged to the account, never mind that the payment had actually been received. 

In late XXXX, I had come to find out this had happened again when Sallie Mae was asking for the upcoming XXXX payment. I called Sallie Mae to figure out what was going on and reassign payments ( again! ). I had then found out that the XXXX loan has an overflow account- money that was sent to pay for the XXXX loan that has exceeded the scheduled payments due. I then asked that enough money be taken out of the overflow account to pay for any outstanding payments ( XXXX and XXXX payments ) for the XXXX loan, and I was told it would be done. 

Two weeks later, I was still receiving notices of overdue payments. Calling them back ( AGAIN! ), I 'd found out that the " work order did n't go through '' - they could n't tell me why. I asked them to start over, once again taking enough money out of the XXXX overflow account to pay for any outstanding payments XXXX XXXX and XXXX payments ) for the XXXX loan, and they said they would do it. For the next ten days, the balance due on the XXXX loan kept fluctuating- I was told this was to be expected because of the work order. 

I have just finished looking at my loan summary on Sallie Mae 's website ( it is now the beginning of XXXX ), and have been told that, alongside the payment due for XXXX, there is still (!? ) a past due amount on the XXXX loan- and I have once again been charged a late fee. 

I do n't understand what 's going on with this loan anymore. Over the past several months, every time I 've called, each representative gave me different answers to the same questions. I 'm pretty sure at one point, a supervisor outright lied to me about the details of my account ( a representative 's description of my account did not match the supervisor 's, despite them reading the same notes left on my account ). I am still in school, in a very work-intensive program, and do not have the time nor energy to keep playing this game with Sallie Mae. Goodness knows how this affects my credit score, or the credit scores of my cosigners! This has gotten beyond ridiculous.
Consumer complaint received 2016-08-14
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Data Systems (SC)

Financial Data Systems, LLC is a collection agency for XXXX XXXX XXXX. XXXX did not file the appropriate medical claim to my insurance carrier for payment for date of service XXXX/XXXX/16. This visit was for an emergency room visit and all charges should have been submitted to my insurance carrier for payment. XXXX 's charges are for {$160.00}. FDS reported said amount to two different credit agencies after agreeing to remove said debt from my credit file. They stated that their client had been provided the correct insurance information. My insurance carrier contacted FDS and XXXX to insure that the correct information had been provided. My insurance carrier has yet to receive a claim and this negative information is still being reported to my credit file for an amount I do not owe. FDS has not complied with their original statement to remove this debt. They have been informed on several occasions that this debt should.be filed with my insurance carrier.
Consumer complaint received 2015-10-02
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: STERLING JEWELERS, INC. (CA)

A person walked into Kay Jewelers and decided to purchase jewelry under my name. He then decided to go to a different store, a few days later and tried to purchase more jewelry under by name, but this time, I was informed and he did not purchase anything.
Consumer complaint received 2016-05-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: National Enterprise Systems, Inc. (IN)

I just received a notice from a debt collector on a loan i took out almost a decade ago. While I thought it was consolidated under XXXX XXXX, and I had been making payments on it along with everything else. apparently I had not made payments on it since last XXXX Yet. i did not receive any notices of payment, nor any notices that payments have not been received before now. I have stayed in this location for many years, moved once, then moved back and stayed here since 2013. It should have been incredibly simple to contact me, yet this debt collection notice is the first thing I have ever seen about it. It has likely harmed my credit and after all the work i have done paying down and consolidating my other loans, this happens. I am going to contact them tomorrow with many questions, but wanted to begin this process early in case of the likely event of further trouble. This seems illegal but i will do what I can to correct the issues.
Consumer complaint received 2016-11-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (NJ)

On XX/XX/XXXX I tried to log into XXXX and make a payment on my student loans. I was not allowed to login, the website showed a message that my social security and birthdays supposedly did n't match up. I have been using this site, with that exact log in for 9 years and I can prove that the payments were made from my account. The loan was taken out XX/XX/XXXX. I spoke with a representative named XXXX ( employee ID number XXXX ). She obstructed me from making a payment then told me that they needed a copy of my birth certificate and driver 's license faxed over to them. They have had this information for nine years and this sounds fraudulent. They also mentioned a loan from XXXX XXXX XXXX, which I never took out with them. If the serviced was changed, I was never notified and I do n't know what they are talking about. This sounds like fraud.
Consumer complaint received 2015-06-06
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC. (GA)

I applied for loan mortification from SunTrust mortgage, and was denied, sent all information they requested, and I do n't understand what 's going on. I just ca n't lose my home to foreclosure. I do n't owe but {$14000.00}, I need to keep my home, I 'm a XXXX year old XXXX & been married for XXXX years. I need help.
Consumer complaint received 2016-08-15
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (MD)

I have a joint account with my son and a sole account at SunTrust bank. My son recently moved to XXXX and started a job with a company he found on the website XXXX. It turns out the company was impersonating a real company without our knowledge. They sent him a check for {$6900.00} and told him to deposit the check, which he did. They then told him to withdraw the money the next day and deposit into a XXXX XXXX XXXX account so that the software engineer of the company could purchase the hardware and software that my son would need for his job. We became suspicious when they sent him a second check. We filed a claim with SunTrust Fraud and he also went to the XXXX police and filed a claim. This happened on XXXX/XXXX/2016. I called SunTrust Fraud 4 times and never received any information as to what was going on. They never contacted me or my son. After sometime we were told that our joint account was no longer frozen and that he could use his ATM card. On XXXX/XXXX/2016 I received my bank statement for my sole checking account and SunTrust without notifying me took {$6900.00} out of my account to cover the fraudulent check. I have repeated contacted them to ask to have my money restored. They are protecting themselves but their customers. I feel that I have been victimized and I am being penalized for a fraudulent transaction. Where are the laws that protect the innocent consumer? SunTrust and the police should be going after whoever sent my son the bad check, they are the ones responsible.
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

15 USC 1692e - False or misleading. Failure provide validation and verification of purchase agreement and ownership of debt. 
15 USC 1692g - Failure to provide debt validation. 
XXXX XXXX XXXX not licensed in WA state and therefore is illegal!
Consumer complaint received 2016-09-20
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (GA)

Filed Bankcruptcy in XXXX got Discharge in XXXX. Included in that bankruptcy was the Home Equity line of credit from Suntrust Bank. For some reason Suntrust Bank is saying I have a past due payment of {$4100.00}. from this Home equity line of credit. When the bankcruptcy was file there was no past due amount. Also on my regular mortgage payment it has been current up to XXXX/XXXX/16. I need for Suntrust to correct his error in statement on my credit. ( Documents provided )
Consumer complaint received 2015-03-28
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: AES/PHEAA (CA)

I 'm no longer at this desk phone # and now a coworker is receiving the harassing phone calls. I 'm about to loose my job because of them calling constantly. I notified them XXXX times to please remove this phone # from their list to no avail. I had made payment arrangement 's with them but they would not provide me with documentation, my husband said it seemed fishy. We are unable to find them online. We do n't want to make a payment to a false collection agency.
Consumer complaint received 2016-03-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Collection Service, Inc (FL) (FL)

My Son was taken by an XXXX and the company used his insurance and is trying to collect the deductible from me. I am not responsible for this debit becaus my son is not a minor. I have disputed this debit.
Consumer complaint received 2016-05-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

This debt continues to show up on my Equifax report as open status. However it is noted that it 's been discharged in bankruptcy since 2011. It is affect my credit score and should not be there.
Consumer complaint received 2016-09-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: STATE FARM BANK, FSB (OR)

On XX/XX/2016 I submitted a request to State Farm Bank ( SFB ) to refund fees charged to my mortgage balance in conjunction with a modification request ; the modification request ( deed in lieu ) was denied. I have been trying to sell my ( now non-primary due to a relocation ) residential property for 10 months when I submitted the request. SFB did not make it known that I would be charged fees for the CONSIDERATION of the modification during the modification application request process. Merely to be considered SFB charged me {$420.00} for a BPO Appraisal, a title search fee and a credit report fee. I feel that this process is misleading and applies even more of a hardship on borrowers who are seeking modification due to financial stress in the first place. Not only do I have the original mortgage balance but SFB has applied MORE due in fees and interest due to this. I am sure there are many other borrowers in my situation and if not many currently, there will be. SFB as of XX/XX/2016 still not responded to my ongoing requests for fee & interest refund. The last correspondence received was on XX/XX/2016 stating that management would review & send me a letter with their explanation.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

violation of us 15 code 1681, 15 us code 1681e ( b ), Under 15 U.S.C. 1681i of the FCRA ( did not reinvestigate thoroughly )
Consumer complaint received 2017-03-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: CAINE & WEINER COMPANY, INC. (CA)

CAINE AND WEINER SUED ME WITHOUT PROPERLY NOTIFYING ME AND COLLECTED ALL OF MY MONEY FROM MY BANK ACCOUNT ON A TIME-BARRED DEBT TWICE. I FILED A CLAIM OF EXEMPTION BOTH TIMES BUT EVERYTHING HAPPENED SO FAST I JUST DID NOT KNOW WHAT TO DO AND THE JUDGE DENIED MY CLAIMS. NOW WITH TIME I REALIZED THAT THEY VIOLATED CODE OF CIVIL PROCEDURE BY COLLECTING MONEY THAT IS TIME BARRED.
Consumer complaint received 2016-01-26
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (NY)

American Honda Finance Corporation deducted two monthly automobile payments from my payment account for XX/XX/XXXX. They blamed this on their newly re-designed web site. No means to email complaint to company. Contact us tab on website has no mailing address of Corporation. Only an XXXX number to call. Upon calling, and listening to numerous canned prompts, and being told expected wait time would be two minutes, but turned out to be 19 minutes.
Consumer complaint received 2015-08-15
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Medical Data Systems, Inc. (GA)

These medical debt collection agencies has attempted to collect a debt on several different levels. One was a debt that my grandson 's school was responsible for because he had football insurance, the others were used against me when I gave them my VA medical insurance information upon entry to the ER and on their constant harassing and threatening phone calls, to no avail. I am now a 100 % XXXX veteran living off of VA and SS benefits and declared " unemployable '' XXXX XXXX was sent a " victim 's fraud '' package.I also sent them relevant documents. So why deleted only XXXX They dismissed two accounts and not a XXXX one. This is very disturbing to me. I have a XXXX as well as XXXX and this does not help XXXX. 
During XXXX I was a victim of fraud. And the credit bureau has an " VICTIM FRAUD ALERT '' on my credit because all necessary police and other reports were submitted to them.
Consumer complaint received 2016-01-14
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC (CA)

XXXX sold my loan through auction for XXXX % of it 's Unpaid Balance ( UPB ) on XXXX XXXX, XXXX to XXXX XXXX, with Fay Servicing servicing the loan. 

On XXXX XXXX, XXXX, Fay Servicing offered a Proprietary Modification that included {$74000.00} in Principle Reduction from California 's Hardest Hit Fund. 

The monthly payments were over XXXX % of my income, far above the HUD guideline of XXXX %, and I could not accept the offer. 

I had to insist, multiple times, that Fay Servicing evaluate my loan for HAMP, as is required by XXXX 's Non-Performing Loan Sale Requirements. 

Fay Servicing finally sent the HAMP Mod Docs on XXXX XXXX, XXXX. I faxed and mailed the filled out and complete HAMP application and supporting documents on XXXX XXXX, XXXX to Fay Servicing, with follow up documents faxed on XXXX XXXX, XXXX and XXXX XXXX, XXXX. Fay Serving acknowledged receipt. 

To make the monthly payments conform to HUD guidelines, a combination of Principle Reduction and HAMP modification is necessary. However, Fay Serving is saying that XXXX XXXX will not accept Principle Reduction money through California 's HHF, even though they offered a modification based on HHF Principle Reduction money of {$74000.00}. 

According to California 's HHF website and phone counselors, XXXX XXXX does participate in the Principle Reduction Program. 

XXXX Fay Servicing has stated that " XXXX XXXX wo n't allow for principle forgiveness. '' They will only accept Mortgage Reinstatement money from HHF. 

What is the truth? 

I am applying for HHF Principle Reduction again to assist in making my home payments affordable for myself and XXXX daughter. 

Also, since my loan was sold for XXXX % of it 's value, that means that the Unpaid Balance of my loan is less. How do I get a Mortgage Modification based on the reduction in my Unpaid Balance? 

Your help in resolving this matter is much appreciated. 

Thanks, XXXX XXXX
Consumer complaint received 2016-08-15
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Comerica (CA)

My complaint is about " Direct Express ''. They are a rip off company they steal money through their illegal fees AND it is almost impossible to get through to someone. Either the phone system wo n't let you in by saying call volume is high, & to call back. Or finally - when you get through - the phone call is dropped while transferring the call to customer service. Then, IF one does get through via the phone, the customer service reps do n't do what they say they are going to do. When I finally get through to someone then I GET A DIFFERENT STORY than from the previous representative. ( If you want all the times I called let me know. ) Ever since I received my first social security dispersal in XX/XX/XXXX THEY HAVE CONTINUALLY STOLEN MONEY from me by charging me illegal fees for the ATM service. Stealing is against the law for me - why not for Direct Express? 
I was told in XX/XX/XXXX by someone in one their phone call center that I was to have XXXX FREE ATM CHARGE monthly from a Co-America bank. But they continue to illicitly charged me {$.00} when I use the XXXX ATM. In XXXX they reversed some of their illegal charges and now I found out they have done it again - for at least 10 months. I called AGAIN on XXXX/XXXX/XXXX. It was necessary to spend over 55 minutes on the phone. At the end of the long & frustrating ordeal I was told I would have an answer in 5 business days. That did n't happen so I called several times ON SEVERAL DAYS beginning XXXX/XXXX/XXXX. Direct Express is very difficult to get through to. On XXXX/XXXX/XXXX " XXXX '' told me that my " request for the refund of the wrongly charged ATM fees was denied and there was no explanation ''. I paid my money into the social security tax system many, many years ago and I DO N'T LIKE HAVING TO PAY TO GET BACK MY OWN XXXX MONEY FROM DIRECT EXPRESS OR CO-AMERICA BANK. THIS IS WRONG, WRONG WRONG.
Consumer complaint received 2015-11-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc. (SC)

A collections agency XXXX XXXX offered an resolution of debt authorized by client with a lump sum settlement of XXXX %. I paid this to protect my credit. Some time later another company Franklin Collections Services wants the remainder of the balance. I sent Franklin a copy of the settlement statement from EOS and proof of payment with no resolve.
Consumer complaint received 2016-04-10
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MN)

My parents continuously get phone calls from Portfolio Recovery! They harass and call there phone several times a week. I have n't lived at this previous address or with them for over 25 years. They have even contacted my brother. This needs to stop!