davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-26
Product: Credit card — 
Issue: Transaction issue — 
Company: SUNTRUST BANKS, INC. (SC)

I opened a credit card with Suntrust Bank. We agreed on a {$2900.00} transfer to my old credit card to clear that balance. However, they made the transfer twice. They did agree to credit me the second {$87.00} transfer fee but will not credit my account for the extra {$2900.00}. They said they ca n't retrieve it so I am responsible for the balance. They suggest I track down and try and retrieve this money and pay the bill.
Consumer complaint received 2016-06-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (LA)

Roundpointcontinue to contact us and failing to provide evidence and proof of steps taken showing how they calculated the amounts. I have documentation from assessor office of XXXX XXXX XXXX. Concerning property XXXX XXXX XXXX XXXX Louisiana XXXX qualify for special assessment, we also have documentation from fema confirming flood insurance is n't a requirement so it 's a little disturbing as to way this company is reporting incorrect information and another thing roundpoint states roundpoint paid XXXX county incorrect. This company is out just to capitalize of my husband and I and to manipulate the system for its own gain we are feed up. We are requesting that CFPB take corrective action thi matter have gone on a lil too long and a resolution is demand.
Consumer complaint received 2016-06-20
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Consumer Portfolio Services, Inc. (MD)

I purchased a XX/XX/XXXX Nissan Sentra in XX/XX/XXXX for XXXX dollars. My down payment was {$1500.00}. My payment was XXXX. My car was totaled in XXXX XXXX. I paid {$8400.00}. I still owed XXXX. The interest rate is ridiculous.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (ME)

15 U.S Code 1681 c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identiy theft, not later than 4 business days after the receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM XXXX  This is so unlawful.
Consumer complaint received 2015-06-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (TX)

My loan company, Caliber Home Loans, sent me a certified letter stating that I 'm XXXX XXXX XXXX XXXX behind. This is false, and I can prove it! They also have reported me as being XXXX payments late. Also, FALSE! XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX years ago we had to retain an attorney because our mortgage company, Vericrest Financial, also accused us of non-payment and paying late. After a process that took XXXX XXXX years, the attorney got them to settle out of court and they were supposed to fix the negative reporting from all XXXX XXXX XXXX XXXX credit reporting agencies. They failed to do this and I was not able to get them to comply. I had to write to the individual companies and only XXXX XXXX XXXX XXXX were fixed. Also, I applied for a loan modification to Vericrest, which the attorney was able to get them to accept when, previously, Vericrest had denied it. Now Caliber Home Loan is doing the same thing. They are reporting us as paying late, non-payment and I resubmitted a loan modification, since it was due again, and Caliber loans says I never filed XXXX. At this time, I 'm unable to retain an attorney because XXXX financially, I ca n't afford an attorney right now. But I can prove, that even though I have been sick, I have still been paying on time!!!!! After the problems with Vericrest, the attorney suggested that we only pay our mortgage with a certified check, every month, and then send it by priority mail and keep the tracking numbers and receipts. This is what we have done every month, for the last XXXX years, so we have ample proof that they are falsely accusing us!!! I will be submitting the letter that was sent from Caliber, along with our two ( XXXX ) months of the certified checks and the receipts from the post office with the tracking numbers. I sincerely hope that you will investigate and that they will be punished so that no other family will have to go through this!!!! I do believe that we are being targeted because I 'm sick and Caliber is hoping to get our home. We look forward to hearing from you very soon. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-02-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (MA)

XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, NC XXXX ; Cust. Serv. XXXX, acquired the mortgage on my rental property in XX/XX/XXXX. XX/XX/XXXX-XX/XX/XXXX, they requested proof of hazard insurance both by mail and by phone, which I provided. XX/XX/XXXX, I received another letter, telling me that XXXX would purchase a " forced '' hazard insurance policy XX/XX/XXXX, because I had not responded. At that time, I called XXXX again and re-sent the Hazard Insurance certificate via PDF/email. The representative on the phone verified that the certificate was received and the policy would not be needed. XX/XX/XXXX, I received a statement from XXXX, showing that {$3400.00} was credited back to my escrow account, as the charge for insurance was reversed when proof of insurance was provided. It appeared the matter was resolved. 

Then, on XXXX/XXXX/XXXX, I received a letter from XXXX stating that I had a " projected Low Escrow Balance '' and that on XX/XX/XXXX, my escrow balance would fall below XXXX. As such, my automatic payment would be adjusted to withdraw an additional {$140.00} per month to make up for the projected shortfall of XXXX. After speaking to XXXX uninformed and sarcastic representatives on the phone, I was informed that this charge was for lender placed hazard insurance. One employee explained it was because the Insurance company had only credited Roundpoint half of the XXXX charge from XX/XX/XXXX. The second employee told me that I had provided a policy that began on XX/XX/XXXX, and so XXXX needed to purchase insurance ( purportedly in arrears ) for XX/XX/XXXX - XX/XX/XXXX. Neither of these employees could explain why my forced lender policy was approximately 10 times the cost of my condo associations hazard insurance.
Consumer complaint received 2021-07-15
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: World Acceptance Corporation (SC)

I was unaware that late payments was reported to this account. I disputed it on XX/XX/2021. I thought it would be a quick fix being that I've never made a payment late. It was not! To my surprise an authorized representative of Local Loans reported to XXXX  that the late payments were correct. 
I mailed Local Loans 2 separate notices to properly validate their claim of actual late payments. 
I would like for Local Loans to provide proof of any late payments to assist with correcting this error, or remove their account if choosing not to correct the late payment error. 

I will upload proof of error also
Consumer complaint received 2016-09-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC (SC)

Seneca Mortgage LLC is reporting my loan history inaccurately to the credit bureaus ( XXXX & XXXX ) stating that my Status, which is defined by the Bureaus themselves as " Condition of account when last updated by creditor or otherwise '', as " Pays 91-120 days '' when the current status is Paid off. When I call their phone number and enter my loan number the automated response literally states my last payment amount and says the words " paid off ''. Admittedly I was at one point 3-months behind but caught up the loan when settling the loan and the offer of the note holder. When I call they internally refer to this settlement as a " short sale '' when the amount I paid them came directly out of my bank account from my income and I did not sell my house until about 9-months after I paid off this account. This inaccurate reporting is severely negatively affecting my credit score which is obviously negatively affecting my ability to get a good loan program and interest when purchasing a new home.
Consumer complaint received 2016-04-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (MA)

I am writing regarding American Education Services. I have had a student loan out since 2004 for {$23000.00} and now 12 years later is only down to {$22000.00}. The interest rate is 3.75 %. I have XXXX the company to see if other people have had problems and there are XXXX of complaints about how people have been paying more than the minimum and the balance is not going down. I feel, after so long that this company is getting away with taking people 's money and would like it if you can do some more behind the scenes investigating. I believe this company owes us thousands of dollars that we have spent for something that should have been paid off years ago. 
Any help with this or advice on what to do would be greatly appreciated. 
Kind Regards, XXXX
Consumer complaint received 2016-08-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (CA)

ERC called me about a debt I owe for {$170.00}. I disputed and requested an itemized statement. They sent me a statement which shows I owed {$52.00} to XXXX XXXX. I called ERC and spoke to XXXX XXXX on XXXX @ XXXX and he was n't able to justify the billing amounts. He said let me get manager on the line and I spoke with XXXX XXXX @ XXXX. I asked him again why ERC is billing me for {$170.00} when the " itemized statement '' is showing only {$52.00} balance from XXXX. XXXX XXXX replied he does n't see what was sent to me and they do n't charge any interest or collection fees. I told them I wont pay {$170.00} if they can not justify the correct amount. The facts are not matching up so I informed them I will report this matter to the bureaus.
Consumer complaint received 2021-07-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: APPLE FINANCIAL HOLDINGS, INC. (NY)

I was approved for {$50000.00} SBA Loan and the money was sent to Apple Bank on XXXX XXXX during the same time Apple Bank was being fined for {$12.00} XXXX by the FDIC and I believe they was it out on me with unjust actions. 
I had to close my office in XXXX XXXX XXXX because of the covid pandemic and I referred all my mail to my UPS PO box which is located 100 feet from the Apple bank that I opened my account with on XXXX XXXX NYY. 
I told them I had to close my office due to covid and me and my staff are working remotely from home, all was fine Then a fe days later they said they are closing my account because it looks like fruad, I said all of my company registration is with my mail box address right up the block at XXXX XXXX XXXX XXXX, ny XXXX even my License which i gave them has that address, I told them we are working from home temporarily like everyone else, I had to close my office because of the pandemic, They said this looks like fraud we have to close your account, They held my {$50000.00} loan money over 22 days and verified that it's mines, THEY TOLD ME THEY ARE GOING TO CUT XXXX BANK CHECK FOR THE MONEY AND CLOSE MY ACCOUNT. But they instead SENT MY MONEY BACK TO THE LENDER AND CAST A NEGATIVE LIGHT light on me like i was doing some king of fraud and the lender Revoked my loan and that caused me a lot of damage.
Consumer complaint received 2017-02-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (GA)

I was previously on the Income Based Repayment ( IBR ) plan and as I was submitting information to change my plan to the REPAYE. When my servicer, FedLoan Servicing, processed my loan they did not notify me that they automatically capitalized more than {$4000.00} of interest onto my already huge loan. Now that they are changing my plan, they have put me on forbearance which they say again requires interest capitalization at the end of my forebearance, so I am paying interest off of my interest just to change my income driven plan. FedLoan Servicing gave me notification of this happening, and when I called them 4 times in one day to figure out what what going on, and to cancel the IBR changing process, they said that they can not take off the initial interest capitalization of $ XXXX dollars. When I asked them about their policies on notifying people of capitalization on their accounts, they said it is not a requirement.
Consumer complaint received 2016-12-17
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: KEYCORP (NY)

This complaint is an amended version of complaint # XXXX. I made this complaint without my notes, and I incorrectly represented that XXXX told me that HAMP did not apply because Key Bank did not accept TARP. That is what my housing counselor told me months ago ( and when I found out that Key Bank did accept TARP, drinking deeply of the TARP chalice and for a long period of time, I thought a complaint was therefore appropriate. ). What XXXX said in our XX/XX/2016 teleconference was that HAMP did not apply because the loan was a HELOC ( Home Equity Line of Credit ). As it turns out, this was also a misrepresentation that could be highly injurious to the estate, as I will explain. I have discovered other facts that indicate that Key Bank injuriously misrepresented the applicability of HAMP, a violation of New York State GBL 349, 350, and might be deemed " unfair, '' based on the three-part test used as a standard of law, for 15 U.S.C. 45 ( a ). I spoke with " XXXX '' in Key Bank 's Collections Department on XX/XX/2016. After consulting with someone ( putting me on hold ), she returned to the phone to tell me that the reason Key Bank did not accept HAMP was 1 ) the loan, a first-lien home equity loan, was not " government-backed '' and 2 ) the loan is a HELOC. After some questioning and explanation from me ( The loan is not, for example, an FHA or SBA loan, which is " government-backed '' or guaranteed, but I asked her to clarify if she meant that HAMP did not apply because the loan was not government or XXXX or XXXX-owned or that the loan was non-conforming. Once I explained the distinction, she was more precise and said that the loan was not government-owned. I then spoke to the Help Team at the U.S. Treasury 's Make Home Affordable program that sponsors HAMP for clarification. After putting me on hold ( probably talking to the supervisor, XXXX ), they clarified that banks that accepted TARP funds are not required to participate in the Make Home Affordable program ( and Key Bank does not participate ) and that a first-lien home equity loan, with principal repayments, as this originally HELOC loan is now and was at the time of default does qualify for HAMP. 

What this means is that, although Key Bank is not required to offer HAMP, XXXX erroneous reason that because the loan was originally a HELOC, it did not qualify for HAMP, is wrong. Two and a half months have been lost to me in which we could have had a participating HAMP lender refinance the loan or Key Bank could have sold the loan to XXXX or XXXX, who have comparable programs. Since Key Bank has sent an acceleration letter, their intent is to foreclose, and because of its misrepresentation, the borrower may not have time to take advantage of HAMP, which expires on XX/XX/2016.
Consumer complaint received 2016-06-29
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (VA)

RE : SunTrust Bank, XXXX, VA XXXX 1. My company received a check from a new customer in the amount of {$1800.00} for the purchase of product. The check was written on SunTrust Bank. 

2. Based on new customer status, I hand delivered the check to SunTrust Bank and requested verification of funds availability. 

3. A SunTrust manager at that location certified that funds were available in the new customer 's account. 

4. Based on funds availability, I requested that the check be cashed, then used the funds to open a new SunTrust corporate account. 

5. The very next day, I returned to the same SunTrust Bank branch to request a cashier 's check to be issued from my newly opened corporate account. 

6. The teller advised me that the funds from the previous day were clear and available. 

7. Based on this information, I requested a cashier 's check to be written, payable to the manufacturer of product for my new customer. 

8. Approximately two weeks later, I received an overdraft notice in the amount of {$1800.00}. 

9. I returned to SunTrust Bank and spoke to the branch manager, who stated that SunTrust apparently had made an error and that the problem would be corrected, however ; 10. SunTrust is now refusing to make any correction and insists that I repay SunTrust for the bounced check. 

11. I contacted the customer whom I had received the check from, advised him of the situation, and asked to be reimbursed. 

12. Eventually, he gave me a partial payment of {$1200.00} cash, which I took to the same SunTrust branch and deposited into my corporate account to cover the overdraft. 

13. Approximately one week later, I returned to the same SunTrust branch to pay the remaining balance due on the account. 

14. The teller advised me that there was no record of the {$1200.00} cash deposit I had made the week before. 

15. I contacted SunTrust Customer Support and asked if the branch 's video could be reviewed by SunTrust authorities to verify 1 ) my presence at the bank that day and 2 ) the cash deposit that was made. 

16. The SunTrust representative told me that SunTrust Bank does not do that sort of thing. 

17. No further assistance has been given. 

18. Suntrust Bank has mishandled every transaction I 've encountered with them since opening my corporate account. In addition, during one of my visits, they provided me with someone else 's account information. 

Fairness is not the issue here. SunTrust has mishandled my account and stolen my money. I demand it be returned to me immediately. That is the only right and just resolution.
Consumer complaint received 2015-09-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC (GA)

My mortgage servicer, Seneca Mortgage Servicing ( Seneca ), maintains an escrow account to pay certain expenses on my behalf, including property taxes. My county property taxes are due in XXXX installments, the first of which is due on XXXX XXXX of this year. I have emailed and called Seneca repeatedly to ensure they know the correct amount of taxes to pay, that there will be a 5 % fee for late payments, and that they will pay the taxes on time. I have asked whether, alternatively, I should pay the first installment and seek reimbursement from the escrow account. They have only responded once to my multiple emails, and the response was entirely unhelpful ( it just told me to mail my tax information to a XXXX XXXX in California, even though Seneca had already acknowledged receipt from me of updated tax information ). When I try calling on the weekends, Seneca informs me it 's closed. When I try calling on weekdays, I am disconnected by a " courtesy hangup. '' I just want to pay my property taxes, but it seems impossible to get Seneca to communicate with me. Please help!
Consumer complaint received 2015-12-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

re numerouse complaints against, XXXX /wachovia bank / wells fargo bank, fraudulent forclosure / predatory lending/ forced home owners insurance, lets start XX/XX/XXXX, wells fargo bank say i missed 3 consecative mortgage paymants, that is a bare faced lie, i have all the proof of paymants international wire transfers, recieved and cashed by wells fargo bank, i was over paying on my monthlly paymant incureing a over paymant in excess of a {$1000.00} credit also my escrow acount was in credit of over {$5000.00} credit .for taxes and insurances paid, This is what wells fargo bank .Fraudulently did, They started forclosure preseedings, stating i was 3 paymants in arears, Then closed my escrow acount sending XXXX large checks to my insurance company, totaling {$5000.00} insurance was already paid for the year,? This deceptive act was deliberate act to deceive and deprieve .knowingly that the insurance company will send back the XXXX checks to the bank, wells fargo then fed the funds fradulently back into a closed escrow acount, the wells fargo fradulently made the amounts look like they were older paymants, they call this cooking the books? There were no missed paymants mortgage acount in credit of {$1000.00} when they refused paymant saying acount closed in forclosure and escrow acount in credit {$5000.00} on this day XX/XX/XXXX There was no grounds for forclosure in credit of {$6000.00}, also wells fago have a co signed insurance check for damage i had repaired for {$2500.00} that make my acount in credit forover $ {$8500.00} credit no grounds for froudulent forclosure, as a consumer why have i not been treated equal to americans, preadatory lending XX/XX/XXXX lending 50 % 0f house value {$520000.00} loan amount {$250000.00} Then forclose this is organised crime act of lending please explane why wells fargo bank have not been brought to justice for fraud and perjury committed between XX/XX/XXXX to XX/XX/XXXX crooks
Consumer complaint received 2016-10-31
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC. (MD)

i am having an issue with the overdraft fees my bank is charging me. On XXXX I checked my mobile banking app to see how much money I had after a weekend of shopping. I spoke to a customer service rep and was informed that all the fees i incurred were correct to the sum of XXXX. This balance has increased to XXXX dollars in the matter of a week. A XXXX $ that comes out automatically should have been rejected if the funds were not available was processed just to turn around and give me a XXXX $ fee for the transaction. I find these practices to be criminal and predatory.
Consumer complaint received 2015-09-22
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo Bank XXXX XXXX XXXX, GA XXXX XXXX XXXX denied me access to Small Business Non Profit Checking Savings Account ; Federal Violation of ECOA Discrimination Violation of Civil Rights Act as Amended base on my ( XXXX ) XXXX XXXX ( XXXX ) XXXX for a NonProfit Faith Based 501 ( c ) ( 3 ) IRS ; Active Status with the Georgia Secretary of State Office and sent me away to produce Articles of Incorporation and Certificate of Incorporation that has been in Wells Fargo Profile sinceXX/XX/2002. Lack of professionalism on behalf of that Branch Manager and staff member for offering to cash a personal check written by a Wells Fargo Customer to me in denominations of {$20.00} bills ( total check {$3.00} ) or offered me to go to another Wells Fargo Branch.