davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (FL)

To whom it may concern, I am in need of some help. I have a XXXX private loan through AES. Both for {$16000.00} and some change. I have been paying on this/these loans for 10 YEARS!! On their website under Payment Summary it shows that I paid {$10000.00} in PRINCIPAL but yet my loans are as follows loan # XXXX {$15000.00} and {$16000.00} for a total of {$1300.00}. That is a far cry form {$10000.00} in principal. Oh, and I have paid {$18000.00} in interest so I not confusing the XXXX. They have sent me to collections on XXXX loan even though I have paid on several occasions. Granted late and skip some over the last few months because of this situation. I do not see how this is fair!! I really think they are scamming me. Please HELP!! I have screen shots of all this as well as photos of the screen on my iPhone. I will also contact a lawyer to see if I can get legal help as well. Thank you for your time.
Consumer complaint received 2017-03-02
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC. (FL)

I had an issue with my checking account at Suntrust Bank and I went into a branch to resolve it. The personal banker said there was nobody there who could resolve the issue so I left and went to another branch location. At this location, both personal bankers had customers so I sat down to wait. When one of the customers left the manager walked out and took one look at me and then called the free personal banker into his office saying he wanted to show her something. When they went into the office I could hear laughing and joking while I waited. Both the manager and the banker are persons of XXXX. When she finally came out and I explained my situation to her she said " I cant help you '' and I asked to speak to the manager. He came in and told me " I cant help you and bad things happen to good people all the time ''. This is the branch manager. 

As I was leaving the personal banker who was speaking with me walked around to the other desk where another personal banker was with a customer and they all looked at me and had a joke about my dilemna. 

The situation was easily resolvable because, when I went to another Suntrust bank the person immediately resolved my issue and then gave me solid options including overdraft assurance, a credit card tied to the account and asked for a time I could meet with her about improving my credit card debt using a home equity line. So the issue was easily solvable but the initial manager and banker were unwilling to do so. 

The treatment, the initial snubbing, the sarcastic comments and then the laughing about it afterwards with another customer lead me to one conclusion. I have been the victim of XXXX bias by a manager and personal banker from Suntrust Bank. In our country we should be well beyond the point where people are discriminated against due to the XXXX of their skin or ethnicity.
Consumer complaint received 2015-07-16
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Delbert Services (NJ)

westersky gave the loan to cashcall with gave the loan to delbert servicei have been get threateding phone call XXXX that is calling from XXXX group ( XXXX ) XXXX say that i need to contact or my lawery because some serious allegations was filed. she has been call me employment and cell phone and know they started to call me husband. they told me husband that this call on the behalf of delbert service. and left him the same message. this lady has called for XXXX weeks straight. know i am getting threating calls for a XXXX states a file was giving to her and that i need to contact there office and that is is only notify me and that i have till XXXX XXXX and that XXXX XXXX XXXX bewteen XXXX and XXXX they are going to me place of employement or home. and top take that i been served
Consumer complaint received 2016-07-26
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: DCS Financial, Inc. (WA)

DCS Financial placed a garnishment on my personal banking account without notification in the amount of {$180.00} and resulting in additional fees in the amount of {$120.00} closing out my account. Washington State law states that this amount should not be removed if under {$500.00}.
Consumer complaint received 2015-11-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

My mortgage from XXXX XXXX was sold to Ditech Financial XXXX this year, but not before making a mistake on the Escrow Analysis that raised my payments almost {$200.00} a month. I call Ditech in XXXX and informed them of the error, but they informed me they could not do anything for 45 days. I was sent a letter from Ditech informing me to send a check for the first payment, and Auto-pay would be implemented the following month. I did that very thing. The check cleared on XXXX XXXX, but my account was not credited. I later received a notice from Ditech Collections citing my payment past due. After numerous phone calls, XXXX representative was very helpful to me and discovered my payment had been credited to the wrong account ( this was the first part of XXXX ). She assured me it would be resolved immediately. I also had requested an Escrow Analysis on XXXX XXXX. I received an Escrow statement dated XXXX XXXX citing an overage of {$1900.00}, and a new monthly payment that was about {$3.00} more than my original payment to XXXX. I was to get a refund, but that was to be used for my account if it was not current. I have called Ditech numerous times to check the status of my account, and to date they still have not updated my account and consider it past due. I have not missed a single payment and have provided proof of payment three times. They have consistently told me they " ca n't do anything at this time '' regarding most of my requests. I have been very deliberate in my discussions with them, but have never been insulting nor have I cursed them. Supposedly their phone calls are recorded. Regardless, I have just today received my bill for the XXXX payment, and my account is still listed as past due.
Consumer complaint received 2015-09-20
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: CITIBANK, N.A. (NY)

I have applied for a Home Equity Line of Credit ( HELOC ) from Citibank.. I submitted the application in XX/XX/XXXX ; it took until XX/XX/XXXX to initially be approved. It took five monthsbecause my XXXX had a mechanic 's lien attached to our deed and Citibank dragged their feeton identifying this as the cause. The coop kept on stalling and finally admitted that the did not pay the {$55.00}. filing file to prove satisfaction of the lien. Citibank paid the {$55.00} and anticipated at closing I would pay them back and the XXXX would then reimburse me. 

I am XXXX. When I filed initially, I was making $ XXXX/year. Then that job ended, I took another job paying $ XXXX/year. By the time the lien was satisfied, my XXXX job ended and I then was working XXXX job making around $ XXXX/week. 

Since the process dragged on, Citibank asked me and my wife to resubmit our pay stubs. 
At the point we resubmitted, since my income had dropped, Citibank changed the acceptance to a rejection. 

About three weeks ago, I secured a full time job paying $ XXXX/year. We again submitted our pay stubs and we were asked again many questions. At this point, we are now at 9 months since filing the original HELOC application and, in my most recent conversation withCitibank, I was told to have patience. I indicated my patience has worn out. Since I had been underemployed and my son started College, I borrowed funds from my IRA in anticipation of securing the HELOC. I am quickly approaching the 60 days and the penalty period forrepayment of these funds is quickly approaching. 

In my opinion, I think this process should never had dragged out so long. If we had closedby XX/XX/XXXX ( which I think is reasonable ), I would still be at my $ XXXX/year job and we would not be discussing any issues of not having a high enough income.
Consumer complaint received 2017-02-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (OH)

I have several accounts that appear on my credit report that I have inquired about with Navient to have removed from my report as well as my statement with them I never had a high school diploma or GED at the time these loans were taking out the college did this against my knowledge they knew I did n't have a diploma or GED the college has closed all schools in my area the college was first called XXXX XXXX XXXX which was then named XXXX XXXX XXXX the school was closed for scams as well as fraud plus not being a accredit college. I have received response stating Navient can not find a GED or High School Diploma on file for me which is correct so the loans should be removed due to that it proves what I 've been saying to them the ability to benefit. Navient has a current lawsuit against them and I feel I 'm being pushed off due to this cause this will also prove that loans they have giving out or that Department of Education or XXXX XXXX have giving out to people we 're never investigated or checked to see if they had the necessary documents to receive loans.
Consumer complaint received 2016-04-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (AZ)

On the morning of XXXX XXXX, 2016, we received a call from Synchony Bank about a delinquent Sam 's account. According to my wife, there have been multiple calls including concerning dialogs on " sending the police out to your house ''. With verification of the last XXXX of my SSN and address it was determined that it was not my account and that they made a mistake. I then requested to talk to a supervisor " XXXX '' who said that the company made a mistake. 

My concern, it that my family and myself were harassed based on only my name. These types of call should not be allowed based on limited searches with just the name. I understand the need to collect on bad debt, but I believe that his company and Sam 's should be held accountable for these types of collections practices.
Consumer complaint received 2016-06-24
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (TX)

In XXXX I was going to use my card and it was declined so I called Customer Service and they informed me there were suspicious transactions so they placed a hold on my account, which I appreciated greatly. They went through my recent transactions with me over the phone and I identified XXXX purchases that were not mine. They canceled my card and informed me that it would take 90 days for the fraud investigation to be conducted and the unauthorized purchases would remain on my account until after investigation. I asked if I could do anything to assist and they said they would contact me if they had any questions. I received my new card and new account number shortly after and then called again in XXXX XXXX to check the status. The representative said it was never filed yet she knew exactly which transactions were in question. So-they had the information, sent a new card, and never sent it to the fraud department??? The representative was unable to tell me what happened, she just kept apologizing and said it 'd take 90 days from that day. I called again in XXXX to make sure investigation was happening and the representative said that it was in the fraud department. I also requested a copy of my XXXX XXXX, XXXX XXXX, and XXXX XXXX statements since online banking does n't allow the consumer to view transactions further back. I still have not heard anything about the investigation and have not received those requested statements and it is now almost XXXX. The whole time over {$900.00} in unauthorized charges have been on my account, accruing interest fees and I still have no information from them. This is unacceptable.
Consumer complaint received 2017-10-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (FL)

Having been trying to get PMI - Private Mortgage Insurance removed from our mortgage. Due to a cumbersome bank process, changing their criteria, and intimidation from PNC ( letter attached ), we felt we needed to contact someone to make sure this process is compliant with current regulations.
Consumer complaint received 2016-09-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NJ)

My mortgage service co Ditech hired a company to break into my residence and change the locks while the home was in the foreclosure process.. The home was not listed for sale. The company continued to harass me with threatening phone calls. 
In XXXX I agreed to a modification program. The agreement signed stated the first payment was due XX/XX/XXXX. If the next 3 payments were made on time, the modification would be permanent.. The next 5 payments were made on time, I also applied for the hamp program only to say they are reviewing. it. This went on for 5 months. XXXX then sold my mortgage and is now being serviced by XXXX. I have been in contact with them, and they state they are awaiting the paperwork from Ditech. I have made my payments with shellpoint on time. They state that they do no even participate in the HAMP program. 
XXXX failed to its guarantee to have new company honor previous agreements. I want to have the issue resolved with my current modification and for them to honor it. I would like also for them to honor the HAMP process before it was sold.
Consumer complaint received 2016-07-11
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: USA DISCOUNTERS LTD (NC)

Recently acquired information pertaining to USA Discounters utilizing unlawful practice with loans. I had a XXXX loan with this company in which I have paid off over a 4 year time span. It is to my understanding that USA Discounters are to provide full restitution for the time period of my loan. I also was XXXX for a year of my loan and also was not granted the decrease of percentage. I have attached the article for reference. 

XXXX
Consumer complaint received 2015-04-13
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (NY)

Nothing specifically happened to me as I have a good grasp on financial information, however, I found the statement I received to be extremely misleading - especially for those who are not well versed in loans/interest etc. 

The plan I am on is a 0 % interest plan for 12 months, with no monthly payments required. XXXX the statement I received, they provide XXXX different " payment '' plan options, XXXX of which go beyond the 1 year and accrue a huge amount of interest. 

I think the statement would be much more clear if it specifically stated that as long as the balance was paid off within 12 months, not interest would be assessed. However, if you choose to pay month, please pay XXX in order to avoid an interest. I do n't think it should be left up to the borrow to decide how much they should pay in each month.
Consumer complaint received 2016-10-30
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (SC)

Barclaycard posted my payment to the wrong credit card XX/XX/2016. Subsequently, I have logged over XXXX phone calls totaling more than 29 hours to resolved this issue. Unfortunately, they posted the credit card payment to a business account. The credit card side and the business side are distinct entities who can not communicate to resolve the problem created by posting the payment to the wrong account. Barclaycard has reposted the payment to the wrong account several times subsequent to the initial mistake while charging me interest and penalties indicating that I had not pay the amount. I have been told my manager after manager that the problem was solved. Today I have spent more than one hour again because Barclaycard is attempting to recollect {$1000.00} that was previously paid. Today I was told by the manager that Barclaycard " did not have the time and resources to review all three affected credit card accounts nor the hours of phone calls logged. ''
Consumer complaint received 2016-09-11
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC. (TX)

This is Ally Financial who call constantly call. It 's XXXX on Sunday and I 've received XXXX phone calls already. They either do n't answer when I pick up or hang up on me ( like they just did this 4th time calling ) or they finally talk and I advise them I have payments posted online to be drafted from my account to refer to their online system and stop harassing me. They still continue to call every day multiple times a day.
Consumer complaint received 2016-05-02
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: College Assist (CO)

XXXX, College Assist had XXXX contact me about a student loan that was consolidate through XXXX. During tax time, College Assist had department of the treasury, forward my federal tax return to them. Once I found out, I call College Assist, and they said it was an ERROR on their part, and my refund will be issue back to me. Now, XXXX tax year, they have once again are trying to collect for a account was already paid to them from XXXX Once again, they have taking my tax return. Once again, I 'm having to send proof that the account was paid off. XXXX, has closed my account, but then College Assist had ECMC make a request to gain my return, plus ask me for more money. The account in question is the same account that was paid from XXXX. XXXX has also talked to about the accounts, and verify all College Assist accounts under my name are Paid. I feel College Assist is trying to get double paid for accounts, and making false complaints that they have not been payment. Once I prove they have been paid, they get another collection company to try to get me to pay an account they know it have been paid. They also, are not helpful when it comes to proving the accounts have been unpaid, and do n't accept documents via fax or email that will prove the account was paid. They say send it via mail or fax, but some of their employees say different. Sounds very unprofessional. Their ethics, and tactics for consumer service is terrible.
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2016-06-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (GA)

I made request through StudentLoans.gov that my loan repayment type be changed in XXXX 2016. I received confirmation from StudentLoans.gov on XXXX XXXX, 2016. I received confirmation regarding that request from my lender Fed Loan Servicing on XXXX XXXX, 2016. I paid a standard payment on XXXX XXXX, 2016. I received a bill for the full standard payment due XXXX XXXX, 2016. I called Fed Loan on XXXX XXXX and spoke to # XXXX. I was told I had to make a one-time full standard payment before my repayment type could be changed. I paid the full standard payment on XXXX XXXX, 2016. In XXXX I received a bill for the full standard payment due XXXX XXXX, 2016. I called Fed Loan and spoke to # XXXX. I was told I had to make a one-time full standard payment before the repayment type could be changed. I paid the full standard payment on XXXX XXXX, 2016. XX/XX/XXXX I received a bill for the full standard payment due XXXX XXXX. On XXXX XXXX I spoke to XXXX # XXXX and I was told the repayment had not been processed. I was told she would try to get a letter sent out by the end of the week because " everyone is busy on the phone now ''. I was told that it would not be processed in time to change my next payment. I will have to pay the full standard amount on XXXX XXXX. She could not tell me when the change would go into effect. She said they have XXXX requests and these things take time. I do not believe that Fed Loan will honor my request now or any time soon without some outside intervention. The difference between the standard repayment and the new repayment type is almost {$100.00} a month.
Consumer complaint received 2017-03-18
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BOK FINANCIAL CORP (OK)

I have an FHA mortgage loan. I had a loan modification. I purchased the home in XX/XX/XXXX and I did speak with FHA and they said that I did qualify for the lender to remove the MIP. The requirements were : Can not be late within a 12 month period and the loan must be at 78 % and I am at 75 % and I have not been late. They are refusing to remove the MIP and want to leave it on until XX/XX/XXXX. I have written in with request and have been denied and do not feel it is fair. I am begging for them to stop this MIP.
Consumer complaint received 2017-01-12
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (TX)

XXXX XXXX sent a Notice of Servicing Transfer, effective XXXX XXXX, XXXX my loan would be serviced by SunTrust Mortgage , Inc . 
XXXX/XXXX/XXXX I called SunTrust and was told they had no information on me, my SSN or address. I was advised that I would receive a letter in the next few days from SunTrust. 
XXXX/XXXX/XXXX I called SunTrust and spoke with XXXX a Customer Service Rep. She was able to provide me with my new loan number and advised me that for a period of 60 days from XXXX/XXXX/XXXX no payment was due and the no late fees would accrue. Still no written documentation from SunTrust. I want SunTrust to provide the proper documentation as required by Federal Regulations.