davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-30
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (NC)

On XXXX/XXXX/2016, I deposited a third-party check into my checking account at Suntrust Bank and received cash back in the amount of {$350.00}. I countersigned the check. Myself and the individual whose name the check was originally made out to signed the check in the presence of a bank teller and also presented valid state-issued identification to the teller. At the time, my checking account balance was {$4.00}. On XXXX/XXXX/2016, I discovered that a 7-day hold had been placed on the check. This meant that I would not have access to the funds until XXXX/XXXX/2016. Had I been informed by the teller of this hold, I would not have deposited the check into my account. In addition to the hold, a maintenance fee of {$7.00}, which I have never paid during the entire time that I owned the account, was charged against my checking account. Because I had a beginning balance of {$4.00} and received cash back in the amount of {$350.00} at deposit of the {$4500.00} check, my account is presently at a negative of {$350.00}. 

Here is a breakdown of the transaction : {$4.00} ( beginning account balance ) - {$7.00} ( maintenance fee ) = $ XXXX $ XXXX ( negative balance following maintenance fee ) + {$350.00} ( cash back at deposit ) = $ XXXX As you can clearly see, I did nothing wrong in depositing a check into my checking account. The purpose of a personal checking account is avoiding fees associated with cashing a check where I do not bank. Suntrust Bank failed me on multiple levels including failure to disclose a maintenance fee. If it were not for the maintenance fee, my account would not have gone into negative status. As a result of the negative account balance, I will now incur a {$36.00} fee from the bank.
Consumer complaint received 2016-10-01
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (CA)

I 'm having difficulties with ( free ) access to my credit report through the credit agencies. It appears that because I have requested a credit freeze the agencies have prohibited online access to my report and require me to submit a request by sending sensitive document copies through the mail. This article describes the problem I 'm having in more detail : XXXX I realize that it is not in the agencies ' business interest to make it easier for consumers to get free reports, but the barriers they have established are eroding the consumer rights granted by the Fair Credit Reporting Act and I think it is time to make a correction. 

Authentication could happen one time via the XXXX website and then allow the consumer to create credentials for future authentication. This would eliminate agencies using incorrect information for the authentication challenges and using credit freezes or data entry errors as an excuse for denying online report access. 

Thanks for your attention to this important matter.
Consumer complaint received 2016-01-25
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (TN)

I was told if I opened an account that after I put in {$500.00} by a certain date I would receive {$100.00}, and after {$2000.00} I would receive another {$200.00}. I opened by account in XXXX. On XXXX XXXX I met the {$2000.00}. I was told I had 8 weeks before I would receive the money. I never received the money by XXXX XXXX. I went to the bank that I opened the account at and was told I met all requirements and should have the money by XXXX XXXX. After the XXXX I called sun trust complaints department and was told I had someone working my account. A couple days later I was called and told that I was supposed to open XXXX accounts to receive the money. This is not what I or my sister were told when we XXXX opened our accounts. I have another witness besides her that was in the office when i opened the account. We were never told that we had to open XXXX accounts. She has already gotten fed up with suntrust and closed her account, going back to XXXX XXXX XXXX. I now have XXXX complaints with the bank because it has been over two weeks since I have heard anything from the bank and over a month since I was supposed to receive the money. They act like they do n't even care. Even if there was suppose to be XXXX accounts opened, they should honor the {$200.00} they promised me. It was the the bank 's fault, not mine.
Consumer complaint received 2016-11-03
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. (FL)

Midland XXXX is on the credit report and on the XXXX reports, not XXXX & XXXX. Midland started this mess and now want to push it to another company. All this about their rights, what about my rights. This is XXXX debt that is XXXX XXXX XXXX and they are passing it around like it 's some kind of XXXX mine. This is wrong and they should not be allow to do this to anyone. It started off with XXXX, Midland, and now some company call XXXX XXXX XXXX this is crazy. I still the same person that feel like is so wrong, all these company is doing passing the buck around ; and saying they have the right to add more time to a XXXX XXXX XXXX debt. Who would want to keep doing this? This is crazy, I 'm a person that you are sharing my personal information to other third party company is not right and should be against the law to do the thing that your company are doing to a person. I did not give you person or your company permission to share my information with anyone. If you have any paper that show that you have contact about selling my information or given contacting me about you have this debt and I knowledge you about this account. The answer is NO we never spoke or have and paper work that say that I was aware you and your company.
Consumer complaint received 2016-08-27
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: AMERICAN EXPRESS COMPANY (NJ)

I had setup recurring loads ( {$25.00} ) on my Amex Serve card from my Checking Account through the linked Debit Card. Basically with the idea of saving few bucks everyday. 
I also had a Direct Deposit ( part from my pay check ) getting credited to this account twice a month. 

I also used this for few purchases once in a while and I used this card primarily for Emergency fund and had around {$5000.00} + left in my account. 

And one day ( on XX/XX/XXXX ) i got an email with a subject " Termination Of Funds Loading Capabilities on Your Serve ( R ) Account ''. 

I have no idea what is the issue here. And as the subject says i am not able to load any more funds on my account. 

I was scared there was some issue with then bank and withdrew all the left over money to my bank account. 

They have mentioned that they have " observed unusual usage patterns ''. 

What is unusual here? Loading Money from my bank account? 
or using this as Emergency Fund Account? 

I just need to know the real reason.
Consumer complaint received 2015-09-24
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY (FL)

I am disputing a credit charge from XXXX XXXX in the amount of {$890.00} .On XX/XX/XXXX, I entered in to an agreement with XXXX XXXX giving me a 24 month grace period ending in XXXX I have been trying to correct this error with XXXX Research Specialist TD Bank which provided the loan. I have emailed her left messages on her voice mail, with no response.
Consumer complaint received 2015-04-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (IL)

I have a mortgage with Citi-mortgage and have not been XXXX days late with them. They keep calling about the mortgage payment for XXXX even though it is XXXX XXXX ( within the XXXX day grace period ). The worst part of the matter is, they keep calling my relatives from another state which never gave them that information. Citi-mortgage took it upon themselves to skip trace those numbers even though they have my contact information ( it hasnt changed in the XXXX years I have had the mortgage.
Consumer complaint received 2015-07-02
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CITIBANK, N.A. (TX)

AFTER XXXX YEARS I HAVE JUST NOW BEEN MADE AWARE OF A DEBT BY CITIBANK I DID NOT KNOW OF. BACK IN XX/XX/XXXX, XXXX I HAD A FRAUD ALERT PLACED DUE TO MY EX TAKING MY DRIVERS LICENSE AND SOCIAL SECURITY CARD. I 'M IN THE PROCESS OF REFINANCING MY HOME AND FOUND OUT BY LOAN PROCESSOR OF JUDGEMENT ON TITLE OF HOME. I WAS NEVER NOTIFIED OF ANY COURT PROCEDING ' JUDGEMENT AND DID N'T EVEN HAVE A CHANCE TO FIGHT IT. FROM XX/XX/XXXX TO XXXX I DID NOT LIVE AT THE HOME. PLUS I HAD BEEN XXXX IN XX/XX/XXXX AND AT THAT TIME LIVED WITH MY MOTHER. PLUS I FOUND AN OLD CREDIT REPORT OF MINE DATED XXXX OR XX/XX/XXXX AND THIS SAME ACCOUNT FROM CITIBANKXXXX HAD BEEN CHARGED OFF AND WRITTEN OFF FOR THE AMOUNT OF XXXX I DO N'T UNDERSTAND WHY XXXX MONTHS LATER THEY WOULD PLACE A JUDGEMENT ON SAID PROPERTY TITLE.
Consumer complaint received 2016-09-09
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (TX)

I have a Citi Double Cash Card with Citibank. On XXXX XXXX, I made a payment of my full balance by check ( image attached ) XXXX XXXX XXXX, I cancelled the check, fearing it had been lost ( since it had not been credited to my account ), and paid my balance electronically. On XXXX XXXX, Citi mistakenly debited my account for the second payment, instead of crediting it. On XXXX XXXX Citi credited my account for their mistake, but still did not give me credit for my second payment. From that point, I called Citi 's customer service 25 times trying to get a refund for my excess payment. Finally on XXXX XXXX, I was told that the matter was resolved, and that my second payment would be credited to my account and refunded to me within 48 hours. I then requested to close my account on XXXX XXXX. I was told it would take 2-3 business days to receive my refund. I have since contacted Citi several times, and I am continually told that my refund will be issued within a few days. It has been nearly a month since the original promise was made, and I still have not received my refund.
Consumer complaint received 2015-05-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

Fidelity Creditor Services out of XXXX Ca., has erroneously charged a debt to me stemming from a rental agreement which a relative signed and I did not. I advised them of this. However, instead of taking me out of that claim, they filed with the XXXX XXXX Superior Court a complaint against me for nearly {$5000.00}. The debt shows on my credit score and it has negatively impacted my score and my financial reputation as I have in the last 12 months refinanced my home and am about to do so again. As a result of their tactics, my FICO score went from XXXX to XXXX. This has made lenders unable to provide me with lower loan rates thus negatively financially impacting me.In addition, they have provided details about my debt to third parties without my authorization.
Consumer complaint received 2016-05-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

See attached statement. Citigold failed to honor the terms of its XXXX XXXX promotional offer as they were provided to me when I opened my Citigold Interest Checking Account. Without explanation or justification, Citigold deliberately deleted an e-communication from my e-communications center less than 8 days after it was posted to my account, even though e-communications are supposed to be available in my e-communications center for 12 months. The deleted e-communication confirms that my account does qualify for the bonus miles offered under the promotion and states that Citigold will post my bonus miles after I provide my XXXX number. I have provided my XXXX number on several occasions and have written confirmation from Citigold that my XXXX number has been linked to my account. I am accusing Citigold of fraud. I maintained my account and paid account maintenance fees based on Citigold 's written representations ( 1 ) that my account was enrolled in the offer, ( 2 ) that I completed all offer requirements XX/XX/2016, ( 3 ) that my bonus miles would be credited to my XXXX XXXX AAdvantage account within 90 days after the end of the statement period in which all offer requirements were completed ( i.e., 90 days after XXXX XXXX, 2016, which is XXXX XXXX, 2016 XXXX. I would otherwise have closed my account. My bonus miles still have not been credited and Citi has now stated in writing that they can not guarantee that my miles will post by XXXX XXXX, 2016 ( which is direct conflict with the written terms of the offer that were provided to me ). Citi is forcing me either to pay additional account maintenance fees as I wait for my miles to post or to close my account to avoid the fees ( and thereby forgo the bonus miles ).
Consumer complaint received 2016-08-23
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: QUALITY ACCEPTANCE LLC (NV)

QUALITY ACCEPTANCE LCC continues to illegally send harassing mail to another address over theses issues to me and XXXX XXXX. I do not want any mail from them period. They owe money for illegal crimes of fraud, nothing they send will change my mind except a check to XXXX XXXX. I was a co signer on the loan and I can say they gave an illegal interest rate and broke so many loan and other regulations and their customer service is among not only the worst, buy they are very evil. Consumers beware.
Consumer complaint received 2015-12-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (KY)

I paid off my CitiMortgage loan then they took {$40.00} of my escrow account refund without any notification, justification, or permission. I have made three attempts by phone to get this issue rectified without success.
Consumer complaint received 2016-11-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JP RECOVERY SERVICES, INC. (OH)

JP Recovery Services failed to provide information on debt collection as per Case number : XXXX. Additional details per case number above. Initially the debt was reported for XXXX XXXX, my wife however after we filed a complaint with consumer finance, the debt is being reported to credit bureau under my name. 
We are not aware of this debt, have not received any statements or invoices, JP Recovery services has failed to provide details on this debt and continued to report this debt to the credit bureau. This debt should not be reported to any credit bureau unless a valid invoice is submitted. As per our insurance, we do not owe any balance to anyone including this invoice.
Consumer complaint received 2016-05-12
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (SC)

In XX/XX/XXXX the circumstances at the time, I had to trade cars. The dealer got my loan with Santander. the payments and interest were high but at do the time I could not do anything else. I have paid my payments but most of the money is going to interest. My son co-signed for me, but in XX/XX/XXXX, he had to file bankruptsy Somehow my car was in the middle of this and was told more than one thing. at first I was told my care was included, then it was n't, but Santander would not tell me anything about my loan, did not get statements, etc. I was to just make my payments to them. XX/XX/XXXX I made over {$2000.00} to get the payments caught up from where I was told I my care was part in bankruptsy. Santander took {$130.00} {$1300.00}. for interest. Now I just got a letter saying I need {$3400.00}. or they will get my car. I asked for a printout of my account, which they did not want to do, but finally did. That is when I saw that I owe more now than I I did a year ago. I do n't have {$3400.00} to give them by XX/XX/XXXX.
Consumer complaint received 2016-05-01
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Grant & Weber (CA)

I have repeatedly asked them not to call me at my parents house and they have continued to call me there. Two weeks ago my sister gave me a message that they called and wanted me to call them back. When I called I made it very clear that I have previously requested twice to have that number removed from their system and that it was not a good number to reach me at and that it causes me a lot of problems and my parents do n't need to be bothered by my personal business. I was assured that they would delete the number and that it would n't happen again. The following week at XXXX in the morning they called again. I told them I was going to file a complaint against them. They said that I still owe the bill.
Consumer complaint received 2016-09-08
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (MA)

In XXXX XXXX, I visited XXXX to speak about a home mortgage. While in our meeting we pulled my credit reports. In review of all XXXX credit reports it was brought to my attention that Wells Fargo Dealer Services was reporting to XXXX that my auto loan was charged off at over {$7000.00} and I had not made a payment since XXXX! This information was COMPLETELY FALSE and was verified by the correct information in my XXXX and XXXX credit reports. I was advised by the consultant at XXXX to contact Wells Fargo Dealer Services and have them correct this immediately, and so I did. When I contacted Wells Fargo Dealer Services, I was given a fax number to contact the dispute department, which was only reachable in writing and by fax, I was told I could not speak to anyone in that department they did n't have a phone number. I told Wells Fargo that I was not disputing anything, I just wanted the TRUE and CORRECT information to be reported to XXXX, again I was told the ONLY way to do that was to fax the dispute department. So I did, and the correct information is now being reported HOWEVER, here we are, OVER a year later and I return to XXXX after I have fixed and cleaned up all my debt, and I am told that NOW Wells Fargo Dealer Services is reporting to XXXX and I quote ( direct from my credit report ) " Dispute Resolved ; Customer Disagrees '' AND NOW ALSO reporting to XXXX AND XXXX, again I quote ( direct from my credit report ) " Consumer Disputes after Resolution ''!!!!! ARE YOU KIDDING ME!!!!! I did NOT dispute nor did I not agree with the CORRECT AND TRUE information being reported to ALL of the Credit Agencies. I have absolutely no control over how my loans are being reported to any and all credit bureaus. It is not by my fault that Wells Fargo Dealer Services was reporting FALSE information!!! IT WAS NEVER A DISPUTE and I NEVER DISAGREED WITH THE CORRECT INFORMATION NOW BEING REPORTED!!! I want the dispute removed from ALL my Credit Reports immediately as this is hindering my ability to purchase a home!!
Consumer complaint received 2016-08-16
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (OH)

My mortgage company informed me of a balance of XXXX + fees on my mature loan XX/XX/XXXX. I have had contact every week with Ocwen since XX/XX/XXXX.Litton Loan turned my loan over to Ocwen XX/XX/XXXX.Ocwen is pushing for me to Modify loan without explaining fees and balance. I requested and received a payment history with dates and figures scattered out of chronological order-XXXX pages to be exact. I color coded dates/figures to find out why Litton and Ocwen has charged me late fees during forbearance agreements that they set up. I thought HUD was my protection against any agreement to charge fees that was not written? There are at least 3 years worth of forbearance agreements with late fees for each month consecutively. In addition, an average of XXXX lockbox fees are on each of the XXXX pages, plus prior servicing fees that no one can explain. My case is now being looked at by Ocwens research dept. Did Litton set me up to accumulate fees on purpose? Are there systems that out of date that a mistake was over look? Ocwen had their Ombudsman look at my initial concerns and said there was no errors found. Basically, XXXX XXXX Office of the Consumer Ombudsman sent a copy of my original loan plus a modification packet for me to modify loan. To date Ocwen will not take any monies except for the amount I mentioned. Do I have any HUD protection?
Consumer complaint received 2015-09-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (GA)

I have called numerous times trying to work something out with them. They lied and told me that they would defer a payment or put a payment in forebearence if I caught it up to date. I did and then they refused to do it. They called me, I thought it had been deferred they informed me that whom ever I spoke with did NOT in-fact defer my payments. I skipped that month thinking it was taken care of. I had been in an automobile accident and needed a month, which I was told I had at that time. I was informed that now I have to pay that money again only to catch it up again with the money I do not have. I told them I would pay something by the end of the month and they continue to call me from private numbers which have no way of contacting them back. They also call me up until XXXX at night sometimes XXXX. also on Sunday 's. They have been told not to contact me at those times. I explained to them I am in the same business and know the ropes. They call XXXX times a day even after I have promised to pay on the account. They reply with " I can call you anytime I would like. '' I have tried numerous times to work out something with them. They are beyond rude and although I told them to contact my attorney they refuse to do that. I have an attorney on retainer but do not want to use that option. The company is Navient/ XXXX . I went to school at XXXX XXXX XXXX University. I did not get to finish my degree due to lack of money.
Consumer complaint received 2016-08-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

XX/XX/XXXX I filed for Chapter XXXX bankruptcy as I had lost my job and needed relief from unsecured creditors. I was granted this relief in XXXX XXXX. My mortgage is serviced by Ditech financial. This loan has never been late or short in any way since taking out the mortgage in XXXX. After filing the BK the statements changed to a notice for " informational purposes only ''. I understand this because of the BK but it has now been discharged and Ditech is not reporting the payments to the credit boroughs so the good payment record I have with them is not showing. I am trying to get back on my feet and have always done right by Ditech. They refuse to let me know the payoff amount and will not report to the credit boroughs. They still happily take my money each month though.