davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-19
Product: Credit card — 
Issue: Overlimit fee — 
Company: AMERICAN EXPRESS COMPANY (VA)

I opening up an American Express card account with my husband as an additional card holder. He was the only one who used the account. He handles our finances and when he logged on to the account, he checked the amount due and paid the entire balance as was noted. The next month, we found that Amex had charged us an interest fee of {$29.00} because there was an annual fee of {$190.00} and a credit of {$100.00} that was charged to my card. These charges did not appear on the account when my husband checked and paid the balance a month earlier. I called Amex and asked why these charges did not appear when my husband checked the account balance and was told that only the charges to his card were reflected when he checked - though that information was not noted when the account balance was displayed. I told Amex that that was a very poor policy and it resulted our being charged {$20.00} on a {$95.00} inadvertant underpayment - an effective interest rate of over 250 %. I asked that Amex waive the interest fee. They refused. I then asked them to cancel the card and refund the prorated portion of the {$190.00} annual fee. They canceled the card but refused to refund the fee though it had only been charged a month earlier. I have two complaints : 1. I would like a refund of the {$29.00} interest rate charge since the Amex account balance website was misleading and failed to advise my husband that not all account charges are reflected in the balance due which resulted in an underpayment of {$95.00} on the {$1400.00} bill that was paid. 
2. I would like a pro-rated refund of the {$190.00} annual fee that was charged XXXX/XXXX/2016 ( the card was cancelled on XXXX/XXXX/2016 ). Since it is an annual fee, and the amount is significant, I should have a refunds since I will not be given any access to any of the benefits from this fee once the card was cancelled.
Consumer complaint received 2015-12-24
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC. (DC)

I submitted a appeal of a recent email of modification by Suntrust. 

I was approved with the same data XX/XX/XXXX/XX/XX/XXXX and made 2 of 3 trail payments. 

I diverted from making the 3rd and final payment due to using funds for a critically ill parent that just expired. 

I informed Suntrust of the hardship and asked for an extension for that reason and business reasons in XXXX 2015. 

Suntrust canceled my forbearance and modification. 

Suntrust informed me to apply again. I did so with the same data that was used to approve me just 90 days earlier. Suntrust manipulated and falsified my data submitted and falsely used it to decline my request for a modification. 

Suntrust asked me in the appeal letter to address information regarding a lien and I sent attorney information on that matter. Suntrust did not take the information I sent as trust and modify it with my request. 

Overall, this has been a brutal experience where my data has been manipulated or falsified or discarded so as to allow Suntrust to deny my modification.
Consumer complaint received 2020-06-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ridge & Valley Realty, Inc. (IL)

Violations of the Consumer Credit Protection Act, enacted in XXXX Failure to substantiate date of receipt of this account Failure to Validate the Debt Deceit & false information Using abusive, unfair, or deceptive practices when they collect debts I wrote a demand for authentication of debt on XX/XX/XXXX. The only evidence your company provided was a HAND-TYPED letter that that did NOT include VERIFIABLE proof of any evidence to substantiate this debt. 
Hand-typed letter consisted of the following : -Incorrect dates of transactions -Incorrect dates and/or late fees were added to the account -No contract ; only an Automatic Payment Authorization Form THAT WAS OPTIONAL according to the business AND IS NOT THE ALLEGED CONTRACT ) with a WRITTEN NOTE in the right-hand corner 10-month contract that has an address listed that I no longer reside at from XXXX THAT WAS OPTIONAL according to the business AND IS NOT THE ALLEGED CONTRACT ) -No proof of successful payments, transaction numbers -No proof of alleged unsuccessful payments -No proof of signature or contract ( only on an Automatic Payment Authorization form -No proof that identification was supplied, or copy taken when signed to verify that the signature was in fact mine -No official date off when the account was bought/obtained by your company to ensure that you were within the FDCPA regulations. 
-No include statements or amounts documenting how the amounts of {$710.00} and {$760.00} were accumulated by XXXXXXXX XXXX XXXX -Credit Systems NEVER provided actual validation of this debt after A SECOND correspondence to your company on XX/XX/XXXX that the information supplied was NOT enough evidence/proof in accordance to FDCPA laws. And after your company had already exceeded the 5 days legally allotted to supply information to me. And STILL havent done so in these 230 days since my last correspondence.
Consumer complaint received 2016-04-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (TX)

My Fed Loan Servicing as consistently mishandled my student loans since taking over my student loan process. In the last year I have had the following issues with the service provider. I believe that this service provider lacks accountability and oversight. The representatives do not take ownership for the lack of follow through and do not know the student loan process well. 

1. ( Current Issue ) I submitted a REPAYE request online and selected a one month forbearance during the time that my loan is being processed. I am currently making payments towards the Public Service Forgiveness program and will like to make continuous payments in order to avoid extending my payment length further. It has been over a month and my application has not been processed. I have made my {$5.00} payment and have received notice that my next month 's bill will be over {$1100.00} which I can not afford because the service provider has not processed my loan. 
2. For almost a year the # of qualifying payments for my Direct Sub/UnSub Loans have had different amounts of qualifying payments for public service forgiveness. I asked the servicer to reconcile these numbers because the loans were consolidated at the same time. The request had to be submitted multiple times. Finally the # was reconciled and it was reconciled to the lowest # of payments. Also, the servicer sent me another person 's loan information in the process which disclosed their personal information.
Consumer complaint received 2016-12-06
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (OK)

I have a car loan with santander consumer USA. I have had my car loan since XX/XX/XXXX. I have been paying ontime until i lost my job. I called santander and notified them of my job lost. Some of their representatives were very rude and did not offer much help or options. I was never offered a lower payment plan or forberance. All they wante dwas their money. The company claimjed they tried to call me several times which i never received calls fron them. They repossessed my car without notice no mail no phone call and on the weekend. I have been trying to work with them and all they are is rude and would not work with me.My experience with santander has been awful.This has been an expereince from XXXX. they knew I had lost my job. I did not have an issue with paying them, I was trying and have been trying to work with them.
Consumer complaint received 2016-04-02
Product: Mortgage — Reverse mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERICAN ADVISORS GROUP (FL)

In XXXX XXXX I began discussing a reverse mortgage with XXXX XXXX of American Advisors Group. As of today, although all the paperwork has been submitted and the loan approved was approved in XXXX XXXX, they have failed and refused to go to closing. XXXX XXXX does not return phone calls or respond to emails. There is always some excuse. It took months for the appraisal of my house to be completed. At the last minute, I was informed that I had to pay for the mortgage. The appraisal was finally done and then there have been one delay after another. If I did n't need the money to do certain repairs or to reimburse my savings for repairs already done, I would not be so upset. Each week there is another problem - he called to tell me that there was a mortgage on the house - no mortgage exists - the title company did not notice that when the mortgage was released in XX/XX/XXXX, the lienholder misspelled my father 's name, which they corrected with a second release of mortgage. Within 5 minutes of receiving the call from XXXX XXXX, I was able to show him what they missed. I had submitted all documents which XXXX XXXX said they needed, yet repeatedly I am receiving calls asking for the same documents over and over again. I have called numerous times and asked to speak with XXXX XXXX 's supervisor, no one ever answers the phone or when I leave a message, no return call is received. Last week I received a call from XXXX XXXX from XXXX XXXX XXXX and we went over judgments that were n't mine. Have not heard back from her. AAG has placed me in such a financial bind that I may not recover from it. XXXX should not be an approved HUD reverse mortgage lender. Please help me! The supporting documents are so voluminous that I could not upload them. I did not receive a XXXX XXXX XXXX nor did I receive a letter of approval. All approvals were verbally given to me by XXXX XXXX.
Consumer complaint received 2016-01-27
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Green Square Company LLC. (TN)

Premier Recovery Group ( also call themselves PRG ) call me at least once a day telling me I owe them money for a payday loan I supposedly took out. They continue to call me from several different numbers and say they will mail me validation of debt which never comes. This has been going on for at least 90 days now/
Consumer complaint received 2020-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (IA)

Currently hold only one credit card- Best Buy VISA that I have been paying in full every month for the last year. My problem started three months ago after paying off in full, my account never gets credited and prevents me from using my card, when I contact Best Buy VISA they tell me my Bank has not Cleared my transfer? I contacted my bank and they are concerned some type of creative financing at Best Buy VISA is going on since I send in full almost XXXX each month! My Bank has records of proof that the electron funds transfer to Best Buy VISA had cleared immediately? Im Retired and have enjoyed using the Best Buy VISA, and now concerned a highly reputable company is taken me for a ride on their behalf? Could this harassment to me be due to not paying the interest fees most consumers pay each month for not paying in full each month? Im also Retired XXXX and have other means to air dirty laundry on companies who treat people with disrespect! I work very hard to stay fiscally inclined during my lifetime and concerned for the new generation operating these companies? Best Buy CEO just mentioned in a letter Economic Havoc our countrys facing and I would love to continually help if I could use my Best Buy VISA without waiting two weeks? Im hoping this complaint submission helps resolve my problem with Best Buy VISA card so I can help support out our countrys financial crisis were experiencing! 

XXXX XXXX XXXX XXXX
Consumer complaint received 2016-01-07
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (NC)

I noticed that my mortgage company - Shellpoint Mortgage New Penn Financial ) - did n't paid my 2015 property taxes to XXXX County Tax Office, XXXX NC. As a result the status became delinquent and I'am very concern that, this negative information may damage my credit. I contacted my mortgage company and they said, the taxes were disbursed on XXXX XXXX, 2015. Why then it does n't show on the County Tax website? I sold my house recently, and at the closing, the attorney informed me that my property taxes were not paid by Shellpoint Mortgage and as a result the closing attorney office will hold the check for the property taxes until it show that are paid. What should I do? Please help.
Consumer complaint received 2017-02-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Earnest Inc. (CA)

I was approved for a refinancing of my existing student loans by Earnest , Inc. Upon signing the loan documents, I was informed that i needed to get a " 10 day payoff '' quote from my existing loan servicers, and that Earnest would hold the loan funds for 3 days, then send my existing loan servicers a check, which would take about 7 days to clear, thereby closing those loans. After several days, I was notified by Earnest that they were suddenly backlogged, and unable to disburse funds on this loan for 45-60 days. My worry is that they are out of cash. I am hoping that the CFPB can require Earnest to disclose their inability to fund loans in a timely manner to consumers BEFORE they enter into loan agreements. I am also concerned that Earnest may not be complying with the law and/or relevant regulations regarding capital requirements for lenders.
Consumer complaint received 2017-01-08
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Credit Service, Inc (TX)

I was a victim of identity theft and noticed a collection from CREDIT SERVICE I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CREDIT SERVICE in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity XXXX. Attached is my document. Thank you
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023
Consumer complaint received 2020-06-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN INTERNET MORTGAGE (CO)

My mortgage was being serviced by : AIM Loan Servicing XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX I refinanced my loan on XX/XX/XXXX2020 with a different lender. The payoff with AIM was processed by them on XX/XX/XXXX, XXXX day after they received the payment disbursement from the title company on XX/XX/XXXX. That is problem 1. 
I called to inquire about when I could expect to have my escrow refund in the amount of {$2800.00} mailed to me. They stated that their policy is to hold the payment for 15 business days and then it would be mailed to me on XX/XX/XXXX. On XXXX/XXXX/2020, I called to verify that they indeed mailed my refund check. To my surprise, they had not mailed it. They claimed that because there was a hold for regular disbursements XXXX taxes and home owners ) that they for some reason did not recognize the loan was paid off and so did not issue my check after the 15 day hold period. They did state that they would now request that my check be issued, but in order to process that request it would take another 3 business days. So at that point, they will have held my escrow balance for an additional 7 business days beyond the original 15 business day holding period interest free. That is problem 2. This seems to me to be very questionable, and if these so called delays and hold times are typical, they could actually make a decent amount of money just on the interest from the escrow balances on customer 's accounts. This should be taken seriously as this is not their money. They hold it in good faith, and I feel that has been betrayed. Had I not inquired, who knows how long they would have held my money. I escalated to a manager, and he escalated to their escalations team, but said I would have to wait up to 24 hours just to talk to them. I am requesting that they issue my check immediately and overnight the check to me, but I have not been contacted yet by their escalation team. I want this investigated by you so that hopefully this will bring attention to unethical practices and prevent future customers from experiencing at best this poor administration and at worst corporate corruption.
Consumer complaint received 2015-10-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: SLM CORPORATION (WA)

Sallie Mae has lied to me, back stabbed me as many ways as possible. They have taken money from me, they have over-drafted my bank account, they have harassed my co-signer that is a XXXX veteran battling XXXX. All I tried to do was get my payments down just a little until I found a job, and nothing. I either make too less, or my co-signer makes too much. I recently was accepted to a program on XX/XX/XXXX to bring my payments down to {$190.00} a month if I paid of one of my loans, and I did. All I had to do was call back and set it up, and they said I was n't qualified for the loan payment I was told I was qualified for! This first started on XX/XX/XXXX where I paid {$150.00} loan forbearance, and two months later, they said I never paid {$150.00} but it is in my bank statement stating I did! So they never gave me the loan forbearance, literally stole money from me, then continued to harass my co-signer who is very ill. Next, I paid {$140.00} to pay off a loan, then they authorized it 2 times in my bank instead of 1 time, which put my bank in the negative leaving me with XXXX overdraft fees ( This was the loan I was told to pay off before I can get the $ XXXX monthly payment that I qualified for ) I had my bank fax them 3 times to show it was Sallie Mae that caused the overdraft, they still refused to acknowledge it was. I am a military veteran, and I have never been treated in such a manner in my entire life. Every time I call, no one knows what is going on, it is always different information. Please, for the love of God, can someone help me out?
Consumer complaint received 2015-06-11
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Element Global Services (OH)

I have XXXX messages on my phone from a XXXX XXXX from Element Global Services saying he is going to charge me with theft of merchandise and have me arrested over my credit card debts he also called my mother who is sick and elderly XXXX times after he was told do not call he called her names and said she better give me the messages he then called my soon to be ex spouse on a number that should have never been found out and told him watch out and watch what he does I called my local police non-emergency and was told I should do this before making a harassment report on him he has called from many different numbers from XXXX NY and XXXX XXXX
Consumer complaint received 2016-05-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ASTORIA BANK (NY)

I am asking for an investigation into the Astoria Federal Bank mortgage increases. I have attached documents for your review. I was told in XXXX that my mortgage increased because my insurance was increased. So I got another less expensive hazard insurance, submitted that and received notice of an even further ADDITIONAL increase. I feel that something is not correct. 
I have never been late on a mortgage payment. Please advise.
Consumer complaint received 2020-06-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Services Association (TX)

I knew the debt was owed, and was making small incremental payments to the original company. They proceeded to send the debt to a collection angency, CBSA Collection, who had the wrong amount owed, told me that the management company said I was not paying or paying too slow. Since that time, I ageed to pay on the account by the 10th of each month, the amount of {$50.00}, which I pay every month and have not missed a month. BUT, every month, I have to contact the company, because the website is always down and unable to access it to make the payment like I should. This month, they have not fixed the website at all, and I am going to have to call and make a payment over the phone. They charge me {$4.00} to make the payment on the website and yet the website is always down. They also report to the credit agencies that the payment is always late. 
This has become a frustration, especially at this time with finances being tight due to the many shutdowns, and it is like they do not want me to make the payment so they can harass me.
Consumer complaint received 2015-10-24
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Consumer Portfolio Services, Inc. (FL)

I purchased a car XX/XX/XXXX for the total purchase price of XXXX with tax. The only bank that would approve the loan was CPS due to some financial hardship in the past. 
The monthly payments were XXXX. After making XXXX payments of XXXX, I noticed that I still owed XXXX After speeking to an extremely rude lady, I was told they took all the pyment ( including the extra ) for interest. They say it is a simple interest loan therefore they can do that. I asked where is the extra money going? I was told it was paying for the 12 monthly fee to pay my payment on line, and since they never given me a physical address, I had no other way to pay. After contacting the Attorney generals office, they ha seemed to taken some fees off, but after XXXX payments, I still owed XXXX ( which seems to be there majic number ) ... I moved out of state and got behind due to not being able to find full time work. They have called everyone I know, including friends on facebook ( that have public phone numbers, and who where NEVER listed as contact people ... ) they were calling my job 10-12 times daily .... I had contacted them to try and make arrangements, and there solution was for me to make XXXX payments a month when they know I could n't even make one .... I also needed to change my tags over to the new state of residence and they refused to release the title to the state for them to issue me tags. So now it has been a year and my tags are going to expire in 2 weeks, and they wont pick the car up or release the information so I can get tags ... This is the worst financial company I have ever delt with, the GOVERNMENT need to shut them down and give us all every dime we paid them ... I have paid them a grand total of XXXX for a XXXX loan, and still owe XXXX???? are you kidding me??? please someone do something .. My credit is destroyed and I wont even be able to drive the vehicle because I cant get tags!!!!!