davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SUNTRUST BANKS, INC. (VA)

I switched cell phone companies turned the phones into the new company who had a promotion to pay the cell phones off to the old merchant. XXXX which was the old merchant charged my bank account XXXX which caused a negative of that amount on my account. I never authorized them to charge my account for that payment. I call SunTrust in which disputed the claim it was approved and I was issued a new debit card. The transaction was attempted again at that time 4 attempts  were tried and SunTrust allowed the purchase I again disputed that claim and SunTrust closed the new card that was issued and resent me another card. The dispute came back onto my account this time causing me to be negative XXXX. No one in SunTrust claims could advise me why they allowed my account to over draft almost 2 thousand dollars, and neither was she cooperative in helping me she stated that the merchant had a contract. I advised to her I never signed a contract because no longer did contractual plans. SunTrust was not on my side and failed to protect my account. I explained to her that the issue has happened three times now with this merchant. I have cleared my rent check and many other authorized expenses and this will cause me to be placed in a horrible situation.
Consumer complaint received 2016-11-09
Product: Credit card — 
Issue: Transaction issue — 
Company: Continental Finance Company, LLC (CT)

I paid off XXXX of my credit cards. I also cancelled the same card. At least a month later I received a call from that credit card telling me I did n't make a payment. I told that person I paid it off and cancelled it. I was transferred to several different people. I was shocked at the way these people had no idea what was going on. I was told that there was a purchase made after I paid the card off. I informed them it was n't me and the charge was made in another state. Each person I spoke to told me something different. They did not resolve this problem and I am still receiving calls from this company. It is also showing on my credit report that I am over my limit. I am totally disgusted with this company.
Consumer complaint received 2019-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TN)

My 15 year mortgage was taken over by NewRez mortgage comp. of XXXX Tx. about four months ago and being serviced by shell point mortgage ever since. 

In my original contract with XXXX, I signed up for maintaining my own escrow account and have been paying my taxes and insurance for last 20 years. I have never been delinquent or behind payment of any kind. I have sett up auto pay from my XXXX  XXXX XXXX account, it is paid automatic. Taxes and insurance are paid when its due and never been late or delinquent. 

All on a sudden, I received a notice from the Shellpoint mortgage company that I am delinquent on my taxes and they had to pay my taxes for me to City and county, although my taxes were not due until XX/XX/2019 and XX/XX/2019. They went ahead and paid the city and county and sent me a bill for that. I went ahead and paid them whatever they billed me and the payments were duplicated. Now, they are adamant about their mistake and asking me to maintain an escrow account with them, which is not in my contract. 
I have all the document to prove the above facts. Which have been provided to them as well. I need help to go back and set up my account as it was and dont want to maintain any escrow account with them. I have contacted them and XXXX talked with the manager, with no relieve. I need help, I am XXXX years old and cant deal with them any more.
Consumer complaint received 2019-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (GA)

I am using ciiti credit diamond. As per the card benefits if i purchase a flight ticket with citi credit card for full amount .for any reason if i cancel the ticket or not shown up or any problem if i cancled my ticket. citi card will do full refund and they protect me. For some reason i canclled my ticket and claim with citi benefits to get my refund, but now citi card claims department saying it will cover for some type of reasons they will refund not for all. Which i dont know and they did not mentioned any where else. 

Cliam submitted to the below email id # XXXX flight ticket purchase date : XX/XX/2019 Flight ticket purchase date : {$1300.00} Refund i recieved from XXXX XXXX  : {$970.00} Claimed with citi card benefits : {$350.00} Thanks
Consumer complaint received 2019-03-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (NY)

About the beginning of XXXX, my daughter XXXX started college about two or three weeks after she started school she lost her debit card which she reported lost as soon as she noticed it missing, later on, charges started to appear or XXXX 's account adding up to {$14000.00}. The following Saturday when I was getting ready to pay my bills I noticed there was no money in my checking account, tried contacting Chase customer service to get an explanation why my bills money was no in my account, but all I got was a name and a phone number and when I called the number they provided got no answer and had to leave a message. The following Monday tried calling the number again and left another message. When I finally got a call back from the Chase person all he did was accuse me of stealing the {$140000.00} and told me if I did not pay this funds by XX/XX/2018, Chase was going to take everything I had even my retirement funds. I just told him I did not know what he was talking about, but he proceeded to treat me like a thief and assuming XXXX took this funds and we had to pay Chase back for it. I was very scared and still am because of all the threatening the Chase person said to me. I would like Chase to clear my record because I have never stolen anything from anybody I am a proud honest poor single mother who lives paycheck to paycheck and did not steal their money and neither did XXXX. This year I am working very hard to purchase my home, but the Chase person also said they are going to mess up my credit and I think this is not fair. It makes me wonder how Chase allowed someone to withdraw {$14000.00} from a high school account that never had more than {$300.00} balance in it. During all of this time, I kept receiving letters from Chase stating the account was close, but the charges kept showing. Also allow me to point out all of the transactions happened in XXXX, NY and we are in XXXX NY. I can provide documents upon request.
Consumer complaint received 2019-03-12
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: COMMUNITY CHOICE FINANCIAL, INC. (FL)

I am XXXX years old and on a fixed income, and needed money to go to the funeral of my brother in another state. I also had to pay large medical bills that were charged when I was in the Hospital in XXXX, 2018. I borrowed {$2500.00} from Cash Central. I have paid five payments in the amount of {$390.00} each. I had to miss five payments because it was too much to pay with my additional medical bills.One of my medication was {$300.00} for my XXXX XXXX. With late charges and interest I now owe {$4300.00} which is much more than I borrowed. I called to ask if I could PAY {$100.00} PER MONTH UNTIL IT WAS PAID, BUT i WAS REFUSED. I get at least seven calls per day and night trying to collect the full amount. This brings on added stress which affects my XXXX XXXX. I wear a XXXX and XXXX. Please help!
Consumer complaint received 2019-03-15
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: SYNCHRONY FINANCIAL (GA)

I closed my CD with Synchrony bank on XXXX XXXX2019. I was  told funds will be transfer to my checking account electronically. I did not receive any money till today XXXX XXXX,2019. Customer service of this bank was very bad.The staff member of this bank had no respect for customer.
Consumer complaint received 2019-03-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (FL)

I bought my house in XXXX. 

Amerihome, in XXXX, failed to pay my insurance premium ( which is escrowed into my mortgage payment ). 

Amerihome did not notice for an ENTIRE year. My coverage lapsed in XXXX of XXXX, and they did not realize it or notify my of the issue until XX/XX/XXXX. 

I am required to have insurance in place, and insurance companies won't just backdate a policy. Therefore, I have to get lender placed insurance for the entire span of time in which they a : failed to make my contractual payments, and b : didn't notice that they didnt make my payments. This insurance is VERY expensive, and my payment has skyrocketed to backpay it. 

In addition, my escrow ( without having this years insurance premium paid yet ... because I don't have a policy ), is down by {$1000.00}. No one can tell me why. Many reps and managers have tried to look into the escrow deficiency. No one can tell me the cause. They suggest that my taxes went up - my total taxes are {$1000.00}, so my taxes would have had to double for me to be this deficient. It has not calculated the lender placed insurance yet, so I will likely be many thousands of dollars more deficient once that hits me. 

I have spoken to Amerihome about both of these issues extensively. Amerihome has admitted that they " dropped the ball '' on making my contractual payment. I have yet to receive a reason why they did not make the payment. The managers I have spoken to have admitted that a payment should have been made, and that it was their responsibility to do so.
Consumer complaint received 2019-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UMPQUA HOLDINGS CORPORATION (CA)

Account balance of {$2000.00} is locked up and not given access by the bank. It's been on hold since XX/XX/27 and phone calls have been futile. 

Requesting to escalate the issue goes nowhere and they ask to go into a branch XXXXmiles away from my residence and they are only open Mon-Fri for five hours a day during my working hours for which I can not leave nor take time off. 

I had initiated a bill pay check for {$2000.00} to my landlord, and UMPQUA issued and mailed out the check. But I am now informed the check bounced and now I'm being charged late fees and returned check fees. Why did they give the premise of available funds by sending out the check then? 

They also refuse to close my account and mail me a check for my funds per my request. The account was funded with an opening deposit from accounts in my name, the funds are rightfully mind and they have no right to hold onto the account.
Consumer complaint received 2019-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I filed complaints about the misuse of my personal information to local authorities. I also contacted the FTC and complained. I was issued an FTC Report # XXXX The following accounts must be removed from my credit report because it is fraud. 
XXXX XXXX ( 2 Accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (KY)

I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2019-03-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (PA)

On XX/XX/2019 CashApp withdrew {$1300.00} from my checking account indicating that it was a REFUND ( the date of the original transaction was back in XX/XX/2019, not sure why they took a refund 2 months later ). The funds were released from my account by my bank on XX/XX/2019. This  refund was not authorized nor requested. There is no telephone number for CashApp so I sent an email on XX/XX/XXXX to XXXXXXXX requesting the funds be returned. I received a communication from XXXX XXXX XXXX on XX/XX/XXXX requesting further information for them to investigate ( to which I provided the information ). On XX/XX/XXXX I sent another request for investigation ( to which no response was received ). On XX/XX/XXXX I left a message on the App Store advising of the problem. I received a communication from XXXX ( XXXX XXXX XXXX ) advising they passed the case along to a " member of our Disputes team ''. On XX/XX/XXXX my mother sent email to XXXX XXXX XXXX requesting return of funds. A reply was received from XXXX XXXX in essence requesting the same information. I sent the information again. Please note that, to date, XXXX XXXX has NOT received the {$1300.00} withdrawn from my account and CashApp has not responded to my inquiries for investigation ( only been given runaround ). This has caused me undue financial hardship and I am unable to pay my bills. The below information is the information that I have repeatedly provided CashApp. 
Cashtag : $ XXXX Phone Number : XXXX Senders Phone No. : XXXX Email Address : XXXX Recipients Phone No. : XXXX Identifier of the transaction : # XXXX
Consumer complaint received 2019-03-15
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: Experian Information Solutions Inc. (GA)

I have ask this company to verify the information on my report by providing documents, and they refuse to send any information, but the items remain on my report, and this is causing a financial hardship in my life.
Consumer complaint received 2016-05-24
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (MI)

Hyundai Finance Company 's collection department was very nasty, aggressive and, in my opinion, unreasonable in solving a dispute about a lease payment that occurred 4 years ago. The issue was resolved and the vehicle returned on XXXX XXXX. I leased another Hyundai vehicle from the same dealer only through another finance company. ( The bad experience precluded me from considering Hyundai Finance again. ) A letter describing the issue and requesting a waiver of the " disposition '' fee was included with the paperwork with the returned vehicle. The letter requesting the waiver was never answered and I received a bill for the " disposition '' fee plus taxes. 
I have returned the bill with a copy of the original letter and a note disputing the bill to Hyundai Finance. 

If Hyundai Finance had been cooperative in resolving the original dispute I would continue to do business with them, However the total lack of willingness of Hyundai Finance collections department to cooperate to resolve what should have been a simple problem sent me the message that I should do my business with someone else. Now they want to charge me for a " disposition '' fee that never would have become an issue if they had treated me with respect. 
Finally, the " disposition '' is not really that since it is automatically waived when a customer leases or buys another Hyundai and finances through Hyundai Finance. I believe it is really an undisclosed price increase for not continuing to do business with Hyundai Finance. 
I think this is morally wrong. 
I think that is flat wrong and ask you your assistance in having the
Consumer complaint received 2019-03-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CO)

I attended XXXX XXXX XXXX from XXXX. As a single mom, I qualified for a full scholarship and several grant opportunities. I took out ONE small Perkins Loan as a safety nest egg as I did not need layers of loans at the time to pay for school. I have never taken out a bank loan of any kind in my life. On XX/XX/XXXX, I received a letter signed/dated from Perkins Loan Program thanking me for paying the loan in full. One year after graduating, I began to receive notices stating that my loan grace period was over and payments would begin on a certain date. I call the loan services to get resolve but was transferred to endless departments on every call until I exhausted and gave up. The loans in question were sold multiple times over the years ending up currently with Nelnet. The small student loan that was paid has accrued to {$120000.00} of personal debt, grossly affecting my debt-to-income ratio with credit bureaus and placing me under constant financial stress. I learned there were resources available to dispute such problems with student loans. I called Nelnet to address this issue now decades old. Over the years, I've deferred the loans fearing Nelnet would garnish or attach personal assets. In XXXX, I called and got redirected to the fraud department. They were supposed to send signed documents for me to verify signature. The documents did not come. I need help getting out of the Nelnet web and getting a paid debt resolved. Please help me.
Consumer complaint received 2019-03-12
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: M&T BANK CORPORATION (TN)

M & T bank is showing ( 30 ) days late on a payment that was attempted to be made on several occasions. Each time I spoke with a representative from the bank, they told me they were having computer issues and that they were not able to process the payment. The bank does not have an automated system and my wife always asks to speak to a representative to make a payment on the phone. However, during the 3 attempts to make a payment the bank told my wife their systems were down still. The woman representative my wife spoke with told her she didnt know when the system would be working but to have her call back. We finally got through to make a payment, but by the time we were able to get help from the representative, the payment reported late by this time. The woman representative was able to take the payment over the phone and she said she would make a note on the computer that this payment was in fact NOT late and that it would not go on our credit report because it was no fault of ours that the bank does not have an automated payment system and when we finally got to speak to a representative it was several days later. This incorrect reporting is harming my credit score.
Consumer complaint received 2019-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (AZ)

I requested my free annual credit report from annual credit report.com about 5 months ago. The web site returns a message that they can not give me any information. I then contacted each of the credit reporting agencies directly Equifax, XXXX, and XXXX. I get the same response from each of them. The information requested name, DOB, and SSN is sufficient to identify me. These companies also share data with the commercial data aggregator/broker industry which has caused me problems with identity verification when I applied for my government pension and now my social security due to having other peoples data mixed up with mine. This has also caused other problems like being dropped from my states active voter list, frequently having to verify my address with the Postal Service, etc.
Consumer complaint received 2019-03-13
Product: Credit reporting, credit repair services, 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 have contacted this bureau multiple times regarding these fraudulently opened accounts that are listed below. These accounts do not belong to me and are hindering me from obtaining future credit. Bureaus are not cooperating with me and have not got back within the last 3 months regarding the disputes or investigations. 
The accounts that are not mine and have been fraudulently opened are as listed XXXX XXXX XXXX opened XX/XX/XXXX account number XXXX, XXXX CARD opened XX/XX/XXXX account number XXXX, XXXX XXXX XXXX opened XX/XX/XXXX account number XXXX and XXXX XXXX XXXX opened XX/XX/XXXX account number XXXX.
Consumer complaint received 2015-06-11
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (GA)

opened a account with pay pal and attached my checking account to the XXXX. the money was taken out of my savings. I have filed account with paypal they state it is not their fault. Also I have a pay pal XXXX which was closed because XXXX of my payments did not go threw. I make my payments threw pay pal and my back up is my bank account. Because of the money being taken out of the wrong account and nsf charges their was not enough funds. I sent documentation to XXXX showing all the issues and the reason it happened. Also gave them a letter from bank stating their were funds in the account. They will not reopen. The issue is on the ACH paperwork which is attached. wrong coding was used the complete bank account was not used. Please see attached pw