davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (GA)

I have had a checking account with Suntrust Bank since XX/XX/XXXX. I have a direct deposit go into my account monthly. I am a XXXX. I own XXXX rental properties. XXXX tenant pays rent with money orders, and the other pays with a personsl check from his Suntrust account. On XXXX XXXX, I deposited a {$750.00} money order given to me by XXXX tenant, and the next day I deposited the other tenants {$500.00} personal check. XXXX deposits showed up on my account ledger balance by XXXX/XXXX/XX/XX/XXXX. The tenant who gave me the Suntrust check for {$500.00} had stopped payment on XXXX, after I had already deposited for some reason. Suntrust then placed a hold on the {$750.00} money order until XXXX, telling me that they were unable to verify the money order. I had a copy of the money order and called XXXX XXXX and was told it had been paid on XXXX. I called Suntrust on XXXX and they would not release the hold, and then informed me that my account was being closed because of suspicious activity. I visited a Suntrust branch and was told it was the stop payment placed on the {$500.00} rent check my tenant gave me that prompted my account to be closed, but also was informed that his check was a good check regardless. I was blocked from online account access, and being a week before the XXXX tax deadline, this caused a big headache! I also pay bills online the XXXX ten days of the month, and payments were returned, late charges applied, and no valid reason for the paid money order to be held during this time by Suntrust. I was told repeatedly rhat I would receive a letter in the mail explaining why Suntrust closed my account. The letter came XXXX, it only stated my account was closed due to fraudelent activity, according to the bank 's rules and regulations. The decision is permanent and I would receive any remaining funds in my account by mail within 3 days. The letter was dated XXXX/XXXX/XX/XX/2015. No other information or apology is given. Suntrust put me in a financial crisis. Two weeks with no debit/atm card, no cash, bills not paid, creditors calling, not able to take action against tenant in a timely manner, Income taxes not finished, and no answer to why all this is happening.
Consumer complaint received 2016-12-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (NY)

I have over $ XXXX in loan debt operated by FedLoan Servicing. I have made nearly $ XXXX in payments over the past 5 years, and it has gone strictly to the unpaid interest. No portion of my payments have reduced my principle by a single cent. This is outrageous. It does n't support students, it exploits them. There is no other type of loan that operates this way. My monthly payment is nearly $ XXXX per month, but my principle balance has n't changed in years.
Consumer complaint received 2016-08-31
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC. (CA)

Hello, Suntrust Mortgage Inc services our mortgage loan. In XXXX XXXX, I submitted a request to Suntrust Mortgage Inc to modify our interest rate since our rate would be adjusting XXXX XXXX to a higher mortgage. We can not qualify for a refinance of our loan because we are self-employed. Over the last year we have had XXXX Home Preservation Client Representatives with SunTrust Mortgage Inc. We submitted all the documents request by SunTrust Mortgage Inc. regarding our loan modification but have never received an answer regarding our request or follow from any of our XXXX Home Preservation Client Representatives with SunTrust Mortgage Inc. My husband and I would like to keep our property but like to modify the rate to a lower rate to be able to keep our property. I am not asking for a principal reduction only to lower our interest rate so we can keep current with our mortgage payments and continue to pay per the terms of our agreement. I would try to refinance but we do not qualify for a regular since we are self-employed. Our payments are not delinquent.
Consumer complaint received 2016-05-19
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: KeyBridge Medical Revenue Management (OH)

KEY BRIDGE Account number XXXX have a a unverified account from. I had previously disputed this account. I have never done business with KEY BRIDGE. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt KEY BRIDGE purport I owe. I request that KEY BRIDGE Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that KEY BRIDGE Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX
Consumer complaint received 2016-05-02
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (VA)

I applied for a loan on Saturday to get a car and found out that Santander was reporting me as late four times for 90 days. In actuality, I requested Santander to pick-up my van XX/XX/XXXX as a voluntary repossession. They repossessed it a few days before XXXX XXXX XXXX. XX/XX/XXXX, they contacted me acting as if I still had the car. I had to contact the company that had repo'ed the car to provide proof that it was not returned to me. Fast forward to this past Saturday when I found out that XXXX has never reported the repossession but has it as if I still have the car but am in arrears! The last time they reported was in XX/XX/XXXX which dropped my XXXX credit score from XXXX to XXXX! As a result, I was unable to received bank financing for a car!! Since they have reported me 90 days late since they repo'ed the car, I suspect my credit score has been taken a hit since then. This caused me not to be able to get a house through FHA because my score was too low!
Consumer complaint received 2015-09-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

My husband and I applied for a mortgage modification from our lender Capital One. We were approved and began making payments on time. We were told that if we made three consecutive payments we would be approved for the new modification mortgage. A few months later we were asked to sign and have a notary of our signature so we sent back and Capital one told us they did not receive. They later called back and said they found the signature. We continued paying the mortgage and a week later they needed another signature motorized. This was a concern because we had already been approved and now we have to sign again with a notary. We sign and had notarized but the paperwork never was received so Capital one sent us a letter that our modification was cancelled. I immediately called and asked them to please reconsider but they told us we need to reapply and now are trying to charge us outrageous fees. Please help us resolve this matter. I feel that the company should be investigated for poor business practices. The server should have had all paperwork signed, notarized and completed before making any approvals on the loan. Captial ones practices are poor and deceptive business. We want our modification we were approved for back without all these added fees that we are not getting because Capital one extorted money for missing signatures that they should have gotten before approving any mortgage loan. This was is what they call a servicing scam on the part of Capital one, used to trip up consumers and mess them up with their approved payments.
Consumer complaint received 2015-06-15
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have a Neiman Marcus credit card. There have been XXXX occassions when I have made my monthly payment by the due date and received my billing statement indicating that my account is past due. I make my payments using the automated system. The automated system indicates that if you make your monthly payment by XXXX your payment will be posted to your account on that same day and will be considered as being paid on-time. Well on both of the occassions I made my payments way before XXXX and when I got my billing statement it indicated that my payment was past due. I also got a separate notice in the mail indicating that my payment was past due. Neiman Marcus is telling their customers false information.
Consumer complaint received 2016-06-30
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

I purchased a puppy. The contract was signed which is attached labeled " puppy warranty ''. No where in the document does it state a return policy. I had an issue with my senior dog being aggressive, contacted the company via XXXX and explained. They advised to bring the dog back. ( conversation attached ). they then only reimbursed me 50 % of the price. I left before an altercation started. I came home to file a credit card dispute. The dispute with Capital one was first filed in XX/XX/XXXX. XX/XX/XXXX I receive a letter stating they decline the dispute. The Merchant, altered the contract and added a return policy and submitted to capital one as evidence. I immediately called capital one again and escalated to a manager. After a 3 hour conversation, the manager finally compared the contract and agreed! She re-submitted the credit card dispute. That was XXXX XXXX. Now we come to XXXX XXXX and I again receive the same message. This time no additional evidence from the Merchant, but Capital one again looking at only their contract. I attempt to escalate to XXXX different managers asking them to look at the documents and compare them. All tell me I signed a return policy. I have been a perfect paying customer of theirs for years, now have no other option as I have proof of what I signed to wait to go to court. I do not owe {$890.00}
Consumer complaint received 2023-11-20
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to dispute the accuracy of information on my credit report maintained by your bureau. After a thorough review of my credit history, I have identified an inaccurate late payment entry that I believe may be the result of a bank error or system glitch. 
Account Information : Creditor XXXX XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I pride myself on maintaining a strong record of timely payments, and this reported late payment is inconsistent with my financial behavior. I suspect that there may have been a bank error or a system glitch that led to this inaccurate reporting. 
I understand that accurate credit reporting is crucial, and I believe resolving this issue is essential to maintaining the integrity of my credit history. Please investigate the possibility of a bank error or system glitch that may have led to this inaccurate reporting.
Consumer complaint received 2016-10-05
Product: Credit card — 
Issue: Balance transfer fee — 
Company: SYNCHRONY FINANCIAL (MO)

I purchased merchandises from XXXX with my Amazon credit card. The merchandises have been returned and I have receipt proving that they got them. I called them several times, I emailed all documents to ask them to stop billing me for the merchandises that got. But they s still and they even charging late fees.
Consumer complaint received 2016-10-01
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (NJ)

While contacting Barclays to activate my rewards, the IVR stated that I had a payment due. Knowing that I had a payment posted today, I contacted their customer service at XXXX. The first man I spoke to informed me that they had not yet posted my payment and that it would take 2 business days to post. I asked if they would be effective dating the payment and he said no. I asked him if he was sure because they are required post my payment with the effective date as of when they receive my money. He again said no. He said their policy was 2 business days. I told him that they can not continue to charge me or any other customer interest if they already have my money. I asked to speak to a supervisor. After waiting on hold for XXXX, his Supervisor XXXX got on the phone. I asked her the same question, since you received my money today, XXXX/XXXX/16, will you be effective dating my payment. She too said no, that their policy was that it would not be posted for 2 business days. I again said that that is not right. You have my money and you can not charge me interest from today XXXX ( Friday ) until two business days next week ( Tuesday. ) I told her that is not acceptable and that I would be filing a complaint on the CFPB website. She told me to call back in two business days to verify the money was received. I told her I know the money was received by Barclays. I have a mobile confirmation and my bank also confirmed. She tried to say that my bank had not yet sent the money which was not accurate. She said that if I paid it on the Barclay 's website I would have received credit today but since I sent the funds electronically from my bank, it would take 2 business days. I told her that is not fair and they are still obligated to effective date my payment today XXXX/XXXX/16 regardless of when they post it because they had my money today. I have confirmation the money was received by Barclays today XXXX/XXXX/16 and it was not posted to my account. When I called my bank, they said this was not the first complaint that they have had about Barclays. I would like a full audit of my account and an interest credit from Barclays for every payment that they have held my funds for two business days. I would also like interest on the interest that I was overcharged. I would like all prior payments effective dated the day they received my money.
Consumer complaint received 2015-11-01
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (CA)

Ref : Amazon Card Acct # XXXXGentlepersons : I am writing to dispute the erroneous credit reporting by showing wrong balance which is damaging my credit. Facts are stated below. Please verify and correct the reporting to all three credit-reporting agencies to whom I am marking cc. 

I only once charged this Amazon store credit card before requesting to close the account for unacceptable customer service. My statements were mailed to USPS mailbox. During the period I was reported late, my mails were erroneously returned backed to senders. Another creditor XXXX had same issue. However, XXXX confirmed that they did receive statements back from post and gave me full credit of late payments and finance charges. 

Recently unbeknownst to me these late payments with no mistake of mine were reported to credit reporting agencies, damaging my impeccable credit. I called your agent and paid the balance on XX/XX/XXXX except for {$2.00} insurance charge. I did not pay insurance charge because I did not voluntarily enrolled in Insurance. None of my creditors require me to pay for insurance. I asked your representative to close thee acct. 

I was surprised to see balance of {$43.00}, when called call was routed to XXXX collection agent, who gave me following information, which does not make sense. He transferred me to XXXX, US Rep of Bank who was very courteous and patiently understood the situation and confirmed XXXX balance and submitted information to correct erroneous late payment information to all the credit agencies to restore my good credit. I have already raised dispute with Transunion. 

Talked to collection agent XXXX XXXX - XXXX XX/XX/XXXX payment due, {$16.00} XXXX/XXXX/15 Only XXXX Charge was madeXXXX Could not confirm if charge was {$16.00} why amount due raised to {$39.00} of which I paid {$34.00} on XX/XX/XXXX In spite of my conversation with agent in XX/XX/XXXX your representative confirming resolution, without any extra purchase still late fees of {$35.00} were tacked on. On XXXX/XXXX/2015 XXXX confirmed XXXX balance and promised that collections will not send me bills and credit reports will show no late payments. 

I would appreciate a letter confirming that credit agencies have been apprised and no late payments will show on credit. Thanks and regards. 

XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX
Consumer complaint received 2015-06-11
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (NJ)

I have went to my physician for XXXX report and they made with visit collect charge from my insurance and ask for Co-Payment of {$25.00} which they did not ask when i was there and send me bill at my home address, and i am in college live in campus did not get bill until i come home. later my co-payment in amount of {$25.00} sent collection agency called IC System and try to collect more then i owe ( {$25.00} + {$4.00} collection charge ) in state of New jersey debt collector can not charge more then I owe I am full time student do not make money my parent wrote check in amount of {$29.00} and sent to IC System but debt collector did not deposit check instead they did on ACH transection on my parent checking account and fail to return orginal check so I C system ( Debt Collector ) violate new jersey debt collector practise and did not deposit check supposed to do. so i am looking for original check return to us and full refund of {$29.00} because they act their way rather follow rules.
Consumer complaint received 2015-03-26
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.C. System, Inc. (CA)

I received a debt collection letter from IC System, but their phone number was disconnected. I looked them up on their website and called that phone number, which kept disconnecting me every time I called. I do not know what this debt is for and I can not get any information about it, since none of their phone numbers are valid. I suspect this is fraud, but since it refers to XXXX, I am concerned because someone recently hacked into my bank account and tried to run charges through XXXX. I have not charged anything through XXXX and do not have a XXXX account. Someone is using my identity without my permission and now I am getting collection letters. How do I stop this and make sure my credit is n't adversely affected?
Consumer complaint received 2015-07-05
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

My wife and I obtained a Home Loan from Bank of America XX/XX/XXXX in XXXX, XXXX We refinance our loan with the SAME bank, Bank of America XXXX to a lower interest rate. We PAID ALL THE FEES Bank of America requested for the refinancing transaction. XXXX HAVE BEEN LATE with our monthly responsibility payments for our mortgage to Bank of America since we obtained our Home Loan in XX/XX/XXXX as well as when we refinance it with them. After 6 years of punctual monthly payments to Bank of America, our monthly payment amount was decreased about three hundred fifty dollars ( {$350.00} ) .This was due to the calculations Bank of America did based on the amount we paid them in 6 years since we obtained our Home loan. Last month, in XX/XX/XXXX, we received a letter from XXXX. This letter dated XX/XX/XXXX, indicates that our mortgage have been transferred to this institution, XXXX and ALL OF A SUDDEN WE ARE SHORT IN OUR ESCROW BALANCE, THEREFORE, THEY ( XXXX ) ARE INCREASING OUR MONTHLY PAYMENTS TO XXXX XXXX XXXX DOLLARS ( {$150.00} ) MORE. My wife and I had never received any prior notification, much lest any CONSULTATION from Bank of America regarding the selling of our Home Loan to a different Institution. We choose Bank of America as our Mortgage Bank BECAUSE OF THE TERMS AND CONDITIONS THEY OFFER US when we apply for our Loan. We had never hear about XXXX before and WITHOUT NO CONSENT from my wife or myself, Bank of America transfers our Mortgage to this other Institution. Evidently, Bank of America is profiting from this FRAUDULENT LOOKING KIND OF TRANSACTIONS. Under any circumstances our Government should allow these Institutions like Bank of America to abuse and take advantage of customers like my wife and I who work hard to fulfill our financial responsibilities. It seems that Bank of America is practicing AGAIN the same kind of deleterious banking practices that many Institutions like them irresponsibly incurred in the near past and brought our country into the most serious financial collapse in recent years. We trust our Government as the REGULATOR AND PROTECTOR of the people against the pattern of arrogance and abuse this Financial Institutions like Bank of America and many other irresponsible ones have. Please advice me and make us feel thatwe can still have TRUST in our system.