davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-28
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (MI)

XX/XX/2022, I contacted Way2Go about a transaction made on my child support card in the amount of {$64.00} and {$46.00} from XXXX, transaction # XXXX. Called Way2Go on XX/XX/2022, asking that these transactions be revered because I did not authorize these transactions. I received a reversal credit in the amount of {$110.00} on XX/XX/2022, but this was reversed back on XX/XX/2022. On, XX/XX/2022, I received via Postal Mail forms from the Go Program 's Fraud Services Department. Called Way2Go fraud department to get fax number to send fraud forms. The fax number that I was given was ( XXXX ), I faxed filled out forms to this fax number at XXXX pm EST. I called Way2Go on XX/XX/2022, to get feedback about my claim. My response was that they had nothing to report. Then, I called XXXX directly to ask for a refund. The refund was granted on this day and I was told to wait for 10 days to process the refund back to my XXXX via Way2Go. Friday, XX/XX/2022, I called XXXX and found out the funds were accepted by my credit card provider in the amount of {$110.00} XXXX # XXXX on Wednesday, XX/XX/2022. Attached will be photos of the current balance from the Way2Go App of my MI-Child Support account, along with a letter I received today, Monday, XX/XX/2022, stating a provisional credit in the amount of {$110.00} was issued on XX/XX/2022, which is a false statement. Made numerous calls to Way2Go 's Go Program customer service and fraud department to cancel their investigation and I took care of my concerns with XXXX directly and that their service was not needed any longer.
Consumer complaint received 2018-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

Problem : XX/XX/XXXX Wells Fargo took a full mortgage payment from my payment schedule to pay for {$40.00} short on my mortgage payment. WF kept that going until I was notified by mail my yearly escrow payment schedule and the payment to WF was adjusted on my end to pay WF the full payment. Once my Ch13 was discharged XX/XX/XXXX I was contacted by WF with a letter informing me I had funds that could not be released until I brought the account to full. WF began a full assult of phone calls asking for the balance be paid in full. WF stated on a phone call they would send me all the info of when this short fall happened and for how long ... papers never arrived. The other form of documentation she said she would send is a Cease and Desist for me to file against WF ... never arrived. I have since stopped taking calls from WF. Last month I went on line to find the start of the shortfall and did find the date and was going to download all the documentation however I was called to work and sad to say forgotten. Last week I attempted to log into my account and was unable to I attempted several times and still I was unable to log into it. I contacted WF directly and was told they have blocked my account due to this issue of non-payment. WF does not have the right to block me from my own documents.
Consumer complaint received 2015-10-20
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (VA)

While searching online to consolidate some loans I had, I came across information that said some of the loans I had were actually illegal in my state. I searched and researched some more, and found a non-profit that helped me to understand that the loans I had were void in my state of Virginia, and why. They also alerted me to the fact that under XXXX rules, I could request that my bank refund what I had paid to the lender of the void loans, because they were not valid and I never gave true authorization, because I did n't know the loans were void, and the companies neglected to tell me. I wrote a letter to my bank with all of my documentation on the fact that the loans were void, and also put in an affidavit through their system to get my payments returned to me. I was told that I had to submit their form, but I also went into a branch to and fax delivered my letter and accompanying documentation. XXXX the XXXX, I had spoken with a woman who said that even with the documentation, they could only get 60 days of payments returned if approved. I told her that I would still like to request the entire amount that I had paid, because I thought it was wrong for XXXX to offer loans that were void for me. She told me to fax the information ( letter and documentation XXXX to a number that would handle the request. I faxed the paperwork on XXXX XXXX. The day after I faxed the information, I went into a bank branch to close that particular account ( not changing anything about my other accounts ) and hand delivered the same paperwork and asked that it be submitted that way to be sure that my paperwork made it to whomever needed to see it to deal with my letter and request. At the branch, I spoke to XXXX XXXX, the XXXX office personal banker. She made a copy and assured me that it would get to the right place. Since then, I have heard nothing about my request. I thought I was supposed to have heard back from them by now, 15 days later or at least an acknowledgement of receiving my information and a time frame for response. I did not want to badger them, but I think I should have heard something by now or at least know that they are working on it or would get back to me in a particular time period. Hearing nothing makes me think that they may have misplaced my request, or that they can not follow XXXX guidelines which specifically reference online loans. I was also told, and put in my letter a reference to the Electronic Funds Transfer Act, which also allows for the return of payments on void loans.
Consumer complaint received 2016-12-23
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SUNTRUST BANKS, INC. (GA)

XXXX XXXX - Fraudulent transaction attempted with my credit card account at XXXX in XXXX, Georgia -- card was previously issued with security chip, and fraudulent transaction attempted with card not containing a chip - this attempted transaction was declined by the merchant - a second attempt was then made with a " card not present '' transaction at the same location - this transaction was reviewed by SunTrust Visa credit card fraud desk and approved by them without contacting me XXXX XXXX - I notice the charge on my account and call the credit card company to dispute the charge - on XXXX XXXX, I receive a credit for the amount after having filed a signed affidavit XXXX XXXX - SunTrust hard posts the amount to my credit card account with no explanation - I dispute the transaction again, and they close the dispute claiming that it is a duplicate of the previous dispute XXXX XXXX - I go to the SunTrust branch where the very professional and helpful banker calls the credit card service desk on my behalf to determine why the transaction was posted - after asking the same question at least 5 times and speaking to XXXX different people who barely speak XXXX, it is finally explained that XXXX " provided sufficient documentation that the transaction was valid '' - this documentation was not provided to me, nor did the bank communicate to me without my spending hours on the phone and at the bank branch trying to learn what was happening - the bank claimed that the purchase was " in my normal pattern of spending behavior '' ( ignoring the fact that the transaction in question was at a location where I have never been, was originally attempted with a card with no chip when the bank had issued a chip card to me, and was subsequently processed in a " card not present '' situation and processed by SunTrust fraud services )
Consumer complaint received 2018-02-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FCI Lender Services Inc. (CA)

CFPB # XXXX XX/XX/XXXX Consumer complaint narrative Lender and servicer are in violations of the CA HBOR. They acknowledged that they received a complete modification package from us. After a day, they decided to deny us for the loan modification. They never fully reviewed the loan mod package and never suggested and discussed with us the alternative options to prevent foreclosure. They made clear their decision to deny us for the loan mod is final and subject to no further appeal. They never stopped the foreclosure sale date while we are seeking for the approval of the loan modification option. Thank you. 

Company has responded to the consumer and the CFPB .... 
XXXX Hello CFPB, Above was the complaint I submitted last yea against FCI Lender Services and the lender. Specifically, the reasons they denied us of our loan modification application last year were " due to our income and multiple properties. '' and that their decision was " final and without further appeal. '' The fact of the matter is we have only one additional property ( our original home ). And, regarding my income, I was on medical leave mostly during the months of XXXX and never got paid with XXXX XXXX XXXX until end of XX/XX/XXXX. 

Anyway, after I wrote the above complaint to CFPB, I remember receiving a letter from FCI Loss Mitigation department that the denial was actually due to the fact that the loan modification package was submitted less than 37 days before the sale date and the first denial letter by the lender was only a courtesy. 

By the way, upon receiving the first denial of the loan modification package, I filed my first bankruptcy to save our home from foreclosure ... There have many many issues in the bankruptcy courts until the present times. 

However, on XX/XX/XXXX, we submitted another loan modification package to FCI Lender Services. After a week, we again received a denial letter stating that " our lender is unable to offer a Loss Mitigation Assistance Program because the loan modification request was received 37 days or less prior to the scheduled foreclosure sale date of XX/XX/XXXX. '' My question is, which one takes precedence ; the CFPB rules or the XXXX California Homeowner Bill of Rights stating that loan modification should be reviewed upon receipt of the package even at the day of the foreclosure sale? 

Please, advise. 

Thank you, California Veteran
Consumer complaint received 2024-03-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC. (LA)

Interest fees and calculations are predatory I constantly make payments and they add additional made up fees that are outrageous and not what was stated in the contract. 
They charge {$200.00} a day for interest and none of this was in the contract signed. Unfair payments are not being applied correctly and they always say I am behind no matter what and does not update all three of the credit bureaus timely.
Consumer complaint received 2019-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (GA)

American Express offers a XXXX XXXX Credit Card which I have had for about 8 years. If the card holder has {$30000.00} or more in spend a year XXXX XXXX 's are posted to the cardholder 's Delta Skymiles account. So far this year ( XXXX ) I have over {$37000.00} in spend on my XXXX  XXXX card, yet Amex and XXXX  only show around {$23000.00} in spend. The reason is a company ( XXXX XXXX ) charged my account around {$14000.00} in error in late XXXX. The charges were backed out by XXXX XXXX in XX/XX/XXXX. As a result, Amex only shows {$23000.00} in spend for XXXX. Obviously, at least to me, reducing my credited spend for transactions that were made to my account without my authorization and were removed is unfair to say the least. On XX/XX/XXXX, I contacted Amex through their online chat and after 15 or so minutes was told this was XXXX  's error not Amex. I knew that was not the case so I called Amex 's 1-800 number that same day. The customer service rep told me that was not the case and he would open a dispute for me explaining the problem and I should receive an answer in 48 hours. I have checked daily and there is no open dispute on the Amex website and Amex has not contacted me. I guess they hope I will give up. I would prefer Amex to handle this but apparently their customer no service will not help me get his corrected. Maybe you can.
Consumer complaint received 2018-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: R.M. Galicia, Inc. (CA)

XXXX XXXX XXXX is reporting their trade line information incorrectly on my credit report. The collection account is being reported as Date Opened of XX/XX/2012. The account is being aged based upon the date of reporting not date of delinquency. This is against FRCA and is causing this account to report longer than law requires. XXXX XXXX XXXX fails to comply with FRCA as well as the three credit bureaus allowing XXXX XXXX XXXX to report to. I have requested information to be updated and reported accurately but the credit bureaus and XXXX XXXX XXXX all fail to comply with the written law.
Consumer complaint received 2017-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (TX)

Hi, I have private student loans taken out while I was in XXXX. I pay extra on these every month, directing my payments in an attempt to pay them down. 

I have XXXX loan with a ~ {$12000.00} balance at 5.4 % interest.In repayment since XX/XX/XXXX. I have paid {$230.00} over the past XXXX days and they are still showing I have a payment of {$150.00} due with {$50.00} of outstanding interest. I pay regular payments every month, in many case bi monthly and I still have large amount of interest outstanding across my XXXX private loans serviced by AES These loans have been in repayment since XX/XX/XXXX in the case of the other XXXX loans but the payment always goes to mostly interest, even with me paying extra. 

I do not understand how large interest amounts acrue with me paying regular extra payments.
Consumer complaint received 2021-04-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION (FL)

Last year when I was giving an opportunity for a forbearance due to my father passed away from XXXX XXXX XXXX servicing company alloyed me three months to pay from XXXX a month to XXXX and I completed that process and then I started making my regular payments then XXXX was showing for now 10 months as if I havent made a payment which did come out of my checking account and then XXXX XXXX sold my account to another agency called Sn servicing Corp and I was on another 3 month forbearnce due to the passing of my brother of covid and I continued to pay per the agreement for three months XXXX versus XXXX which then they increased to XXXX which was higher than what my I signed for in my original loan contract in 2004 with my mortgage and I have taken notice that both companies are making adjustments not to escrow put to my interest and principal that I signed for legally in a contract of my mortgage. Im extremely upset that these violations are being allowed with out being audited when a transfer of loan is being sold to another servicing company. I have emailed and contacted Sn servicing at the following number XXXX to speak to someone to get this fixed and I have left a message and emailed them and no one has done anything regarding this. Im extremely concerned of the recording keeping of my loan and the hassle Im going through. I contacted XXXX XXXX at XXXX a text XXXX and no call back or anything at all. This is stressful and shouldnt be happening at all its been a little over a month of losing my sibling to XXXX and no one should have to go through this ever.
Consumer complaint received 2018-06-11
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (WI)

I have had three car leases with XXXX. My current lease expired the end of XX/XX/XXXX. I decided to extend car lease for 6 months. The company reported XX/XX/XXXX payment late and now I'm not able to get another lease as the same tier as my previous lease for the one payment that was late because auto payment was disabled due to end of lease. I attempted to call Nissan Customer service on XX/XX/XXXX and was told there is nothing that can be done. The XXXX dealership also told me that no one can help me out.
Consumer complaint received 2018-06-11
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: Midwest Recovery Systems (NJ)

Midwest recovery systems is reporting on my XXXX report that I dont have any knowledge of, please show me validation of debt with bearing signature with my name. If not please remove and delete if you cant provide me with it documentation with in 30 days
Consumer complaint received 2017-02-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (TX)

First college I attended was a scam like reported in news and media. Poor teaching, poor education, and poor internship. The was no high paying job as a clinical medical assistant as promised. Prospective jobs did not recognize the college. XXXX college credits did not transfer from this college they are worthless credits. XXXX closed down.
Consumer complaint received 2020-07-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

Dear Complaints Department : Please refer to my complaint regarding Chase Bank failure to protect consumers and hosting a fraudulent beneficiary company. 

My Case : I was put in touch with a merchant called XXXX from XXXX XXXX who falsely presented the company as a financial investment firm. XXXX was very persuasive and enthusiastic and made a lot of promises about lucrative investment returns at low risk. He was very convincing and friendly so I decided to give it a try. 

I made my first deposit of {$48000.00}, via online banking on XXXX XX/XX/XXXX, to what I believed was a genuine investment to a real investment company which was authorized to operate in the USA. 

This company had provided me with an online passcode to their website to what was allegedly my trading account. 

I made nine transfers to this company from XX/XX/XXXX through XX/XX/XXXX, aggregating a total of XXXX The online software was working well and on paper my account had grown profits. It all started going downhill when XXXX had to go away and put me in touch with his colleague XXXX. XXXX lost almost everything in the account after 10 minutes of him taking over my account!! When I got in touch with XXXX after this, he claimed that XXXX was fired for losing my money. But in the aftermath, I have not gotten my " invested '' money back. Instead, I was told to invest more money. 

I later discovered that the company is not even licensed to operate as a financial institution in any country, rendering their services as a fictitious cyber fraud. 

This money that was lost is 70 % of my savings and was supposed to be for my retirement, causing me XXXX  and XXXX. 

I have been in contact with Chase Bank, the sending bank, many times but they have been very unhelpful they have ignored my pleas for help and did not do their due diligence to their client. Ive been a client with them for well over 25 years and they have totally ignored my please for help. These stolen funds represent a significant part of my future retirement funds and the matter is of the utmost importance ... ..
Consumer complaint received 2015-10-10
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Enterprise Systems, Inc. (FL)

I am continuously being harassed by a collection agency for a debt that is not owed. I was attending XXXX XXXX which was located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Which is no longer in business their doors was closed in XX/XX/XXXX. I have a Stafford Loan with the U.S. Department of Education with a remaining balance of XXXX. Which I have been paying since XXXX/XXXX/XXXX. XXXX XXXX submitted a notice to a collection agency National Enterprise Systems located at XXXX XXXX XXXX XXXX XXXX XXXX, Phone number ( XXXX ) advising them that I owe an outstanding balance of {$6100.00} not from my student loan, but from potential money they could have obtained, if I would have remained in school. XXXX XXXX dropped me XX/XX/XXXX one semester prior to graduating with a degree in nursing, stating that the funds they were collecting was no longer available. Stafford Loans Us Department of Education showing XXXX loans they XXXX were dispersed to XXXX XXXX on XXXX/XXXX/XXXX XXXX amount of {$3500.00} XXXX amount of {$6700.00}, there was also a submission of payment from the Workforce Initiate Act on XX/XX/XXXX in the amount of {$3400.00}, they also received Pell Grant money in the amount of {$2600.00}. I was not given any personal money. I am constantly being harassed by the collection agency for a debt I do not owe. I have never heard of collecting payments on services that was not received. Please feel free to contact me with any additional questions as required or needed. Thank you for your time.
Consumer complaint received 2019-05-13
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Fair Financial Corp. (CA)

I Leased a vehicle through FAIR. I returned the vehicle 3 weeks ago. I keep getting billed for the weekly lease payments, which include insurance. Several attempts to contact the company through email, mail and phone have failed. 

Company Fair XXXX XXXX XXXX XXXX TX XXXX