davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (VA)

I called the suntrust executive office on XXXX XXXX and talked to XXXX XXXX. I explained to her that ALL of my emails to XXXXXXXXXXXX in the last few months were IGNORED and asked her why. She said she did n't know why but said that is not how suntrust does business. I pointed out to her that that obviously is how suntrust does business otherwise someone would have responded to my emails. It 's also obvious that REPEATEDLY LYING TO CUSTOMERS is also how suntrust does business and THEY DO NOT CARE. I told her about the ongoing problem the last XXXX years of NOT getting a correct mortgage bill AFTER I pay my escrow shortage. How can they cash my check for the escrow shortage and then send me a bill for the exact same amount I just paid them?? THAT IS A SCAM!! I also asked her why my escrow has been short 3 years in a row. I 've had mortgages with other lenders and NEVER had any problems with getting a correct statement or had my escrow short EVERY YEAR. She told me she would open a case for my complaints and call me the following Monday, XXXX XXXX. She of course did NOT call me back. So I tried calling her on XXXX XXXX and was told by XXXX that XXXX XXXX was gone for the day. I called again on XXXX XXXX and briefly talked to XXXX who refused to answer any of my questions. I called AGAIN on XXXX XXXX and finally spoke to XXXX XXXX again. I reminded her of my conversation with her on XXXX XXXX and that she said she would call me back. She LIED and said that she thought my complaints were being handled by the social media team. My complaints were NEVER going to be handled by the social media team because they NEVER answered my emails and my complaints on XXXX about XXXX XXXX never calling me back were removed and I was BLOCKED from posting any more complaints, even others are still allowed to post theirs! During my conversation with XXXX XXXX on XXXX XXXX she told me again she would have someone look into my complaints and she would call me back on Monday, XXXX XXXX. She even went so far as to tell me she " put it on her calendar '' which was also apparently a LIE because of course SHE NEVER CALLED ME BACK. I am so tired of being DELIBERATELY LIED TO REPEATEDLY BY PEOPLE WHO ARE HANDLING XXXX OF MY HARD-EARNED MONEY. This is completely unacceptable!!!!! These people have absolutely no business handling other people 's money!!! I need written, verifiable proof that someone is working on a resolution to my complaints and I need a FULL NAME ( FIRST AND LAST ) of the person/people resolving my complaints along with their direct phone numbers. Is there anyone at suntrust who knows how to tell the truth?????
Consumer complaint received 2016-11-16
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: Optio Solutions, LLC (WI)

I instructed via a written signed letter faxed to the debt collector that all further communication is to be through my husband as he has my POA for all financial matters - a copy of which I have offered to them if requested. I gave explicit instructions that only he is authorized to deal with this matter and gave both his cell number and his email address for that purpose. Shortly after faxing that letter, my husband received a call from the debt collector. He was told that they had to talk to me. My husband said no as per the faxed letter. The debt collector said they would try to contact me later. 

Clearly they have ignored my written instructions in violation of FDCPA.
Consumer complaint received 2015-08-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: SLM CORPORATION (LA)

They filed a response to my complaint in Case number : XXXX stating " We have also updated our records to reflect that you do not wish to receive automated calls to the cell phone number you identified. '' However, I recently filed yet another complaint that they were calling my cell phone 8 times a day. They claim it is their right. I explained if a person answers you CAN NOT keep calling them. The most recent Case number : XXXX.
Consumer complaint received 2015-12-22
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (IL)

My son has multiple XXXX problems and gives my number for XXXX contact but I have nothing to do with his bill payment. I have received calls from the collection agency and have repeatedly told them this is MY number not his but I continue to get calls. This XXXX went to my answering machine " Monday XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX seconds " Please call us at XXXX. Our office is open Monday through Thursday from XXXX XXXX to XXXX XXXX XXXX. Friday from XXXX XXXX to XXXX XXXX XXXX XXXX XXXX and Saturday XXXX XXXX to XXXX XXXX XXXX. Thank you. '' This one did not leave any indication about it being debt collection but others have come in on my phone when I have had guests in my house who overhear these messages much to my embarrassment.
Consumer complaint received 2017-02-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: TRANSWORLD SYSTEMS INC (CO)

Transworld Systems has a collections account for XXXX XXXX XXXX. The debt I owe is partially valid. However, they called me today at XXXX Mountain Standard Time. The address on file is my address located in XXXX, CO. My phone number and prior account with ADT was in Eastern Standard Time. They have sent collections notices to my XXXX, CO address -- thus they should know what time zone I am located. Simple SSN skip tracing will also show my moving in XX/XX/2016. 

I called the phone number back and they read the debt statement to me per law. When I advised the agent their company had broken the law calling me the agent did not have a response. She stated they are in eastern standard time. And then continued to collect the debt from me. This call is a violation of the Fair Debt Collection Act.
Consumer complaint received 2017-01-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: MOHELA (CA)

The company 's name is XXXX XXXX XXXX and they represented that they consolidated loans on behalf of the U.S. Dep't of Ed. 
I received a letter in the mail explaining to me that I might be eligible for a better consolidation of my education loans because of a program with the federal government. It directed me to XXXX, and told me to register there ( to save time ) and then call a number. When I called the number, they told me to download loan information from the XXXX website and email it to the customer service representative -- which I stupidly did ( I CAN NOT believe I did this but the letter was convincing that they were working on behalf of the department of education ). They asked me questions about my income to see if I was eligible for income-based reductions. They then eventually explained that they were a document preparer and that they could facilitate a loan consolidation that would reduce my interest by % XXXX if I paid {$790.00}. I then got off the phone. 
I can not believe I was duped into providing them loan information. I feel scammed. It is NOT a credible organization. The number I called was XXXX.
Consumer complaint received 2016-01-28
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CIR, Law Offices (CA)

CIR XXXX HAS SENT ME A INVOICE REPRESENTING XXXX XXXX FOR XXXX I CONTACTED XXXX, XXXX, XXXX, XXXX NONE OF THESES COMPANIES HAVE ANY KNOWLEDGE OF THIS DEBT
Consumer complaint received 2017-01-31
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITY NATIONAL BANK (WA)

To whom it may concern, Regarding : My mortgage payments for XXXX & XXXX have been sent & paid on time to both Servicers. Servicers have yet posted the amounts to my mortgage. 
I would like to file a complaint against the following servicers ; XXXX XXXX XXXX XXXX XXXX loan # XXXX and City National Bank. Please conduct full investigation. Servicers have not investigated or conducted a solution to my lost payments. They have yet resolved the issue or have contacted me to explain the next steps that they plan to take to locate the lost mortgage payments. I review each mortgage statement that they mailed and continue to see late fees added to my mortgage. There should be no late fees and my mortgage payments should be noted on my account as paid on time. 
I have mailed my mortgage payments on time. I have yet heard or seen any results regarding my lost payments. I have proof that both my mortgage payments been cashed and cleared by the servicers. 
Please see the attachments that I have provided for further review. 
If you have further questions or need additional documentation, I can be reached at XXXX. 
Sincerely, XXXX XXXX XXXX *Copies of all emails, phone call records, bank statements and loan statements relevant to the incident are attached.
Consumer complaint received 2023-02-24
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. (IN)

In accordance with the Fair Credit Report Act XXXX  Account : XXXX from Creditor : XXXX XXXX XXXX XXXX, 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 an account without my written instructions. 

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2016-08-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TRANSWORLD SYSTEMS INC (TX)

I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. I have attached documentation regarding the identity theft directly from XXXX XXXX which includes a contact number that any third party may call to validate my claim of identity theft. I have also attached documentation from another collection agency that investigated my claim of identity theft and found that identity theft did indeed happen and deleted the account from their records.
Consumer complaint received 2016-09-02
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: Flagstar Bank, National Association (FL)

My name is XXXX XXXX XXXX, my address is XXXX XXXX XXXX XXXX XXXX FL XXXX. I listed some used furniture on XXXX for sale. a buyer contacted by the name of XXXX. he stated he was in a transition process, he send me a check to pay for the items ( copy included ). I deposited the check into my account on XXXX/XXXX/16 with Amtrust Bank ( account # XXXX ) here in XXXX. I waited the two days the bank said it would take for the funds to be availible to take the funds out, withdrew {$1100.00} and wired the money to the movers who would pick up the furniture as per XXXX instructions to the name of XXXX XXXX through XXXX this I did on XXXX/XXXX/16 only after the funds were credited to my account. on today XXXX/XXXX/16 I got a call from the fraud department of Amtrust telling me that the check came back as no good. Really? I when to the bank and asked why they released the funds in the first place I would never have taken the money and wired it otherwise. I wanted to be sure that this buyer was legit before I proceeded I never would have taken the money and wired it to the movers if the bank was holding the money. I asked the bank to refund me the money because I trusted them when they put the money in my account that told me that the buyer was real, that 's is why I waited to take the money to try to avoid being taken by a thief. so how can the bank call me and tell me now that the check was not good and I am out {$1100.00} that is why the regulation exist for the bank to hold the money until they have verify that the check was good and now I am left to pay for their negligence they release the funds I did not asked them to release the funds early eventhough I have enough money in the account to cover the funds I waited for the bank to do their job to verify the validity of the check. I feel the bank should returned the money I lost it was their error in releasing the funds that prompted me to believe this buyer was real no the scammer he turned out to be. the bank allow this scam when the told my the check was good and now they do not want to accept this. maybe they think I am trying to take their money but that is not the case and now I stand to loose my money because the bank did not do the due diligence they are supposed to. I am attaching all the copies I made of the check I received together with the copy of the envelope in which it came and a copy of the XXXX receipt of the money I wired to this XXXX XXXX. I also have several text messages between me and the buyer over several days while I was waiting for the check to clear. but I do n't know how to attached them to this complaint if there is a way I can forwarded them please let me know I will so that you know I am telling you the truth. I can be reach at XXXX XXXX XXXX or XXXX XXXX
Consumer complaint received 2016-08-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, National Association (CO)

I had a first mortgage with New York Community Bank. They received a payoff for this loan on XXXX XXXX, 2016. We are supposed to receive a check for an overpayment and money from our Escrow account. We have not received a check. 
It has been 23 days since they received the payoff. I would like to know what is going on and why we have not received the check.
Consumer complaint received 2015-10-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, National Association (MI)

First servicer went bankrupt, FDIC supposedly gave my mortgage to new service. 
I have asked numerous times in writing to verify if I owe any debt and to who. 
New servicer claims they are a creditor, however they sent me documents that I believe are not true. 
The allonges are very confusing. 
I do n't believe my payments are going to the right person.
Consumer complaint received 2016-09-24
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (MI)

Citi approved a fraudulent credit card in my name. A Citi representative revealed to me that Citi " pushes through ' applications despite the fact incorrect information was used to illegally obtain a credit card in my name A Citi representative was combative & hung up on me, the victim of Citi illegally issuing a card to someone using some of my personal information
Consumer complaint received 2015-06-11
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (MD)

XXXX XXXX reported 60 days late payments to the credit bureaus, for missed payments that are the result of their billing systems errors. My account has been set up with the XXXX XXXX Auto payment that pays {$100.00} on the XXXX day of every month. In XXXX and XXXX 2015, the Auto Pay feature failed, and XXXX XXXX has not been able to determine the cause of this problem. I am requesting help to expedite XXXX XXXX process and timeframe for removing the erroneous late payments from my reports with all of the credit bureaus.
Consumer complaint received 2016-05-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

Citibank is NOT fulfilling the terms of their promotion for new CitiGold clients who are also Citi Thank You credit card holders. In this promotion, Citi Thank You credit card holders were promised XXXX Thank You points for opening a new CitiGold checking account. The terms of the promotion were that, in order to receive the Thank You points, the new CitiGold clients were to do 2 online bill payments in the 2 consecutive months following the opening of the account. The Thank You points would be credited to the new account 90 days after the statement in which the terms were fulfilled. I have now spent 4 phone calls, 2 secure messages, one online chat, and two letters asking Citibank to credit my account with the XXXX Thank You points. The result of all my requests was that Citibank sent me two generic form letters of which each had precisely the same words. Citibank refused to credit my account with the XXXX Thank You points because " Unfortunately, there was not an ThankYou ( R ) Points promotion offered in conjunction with the opening of your account. '' Very significantly, this statement blatantly contradicts a secure message that I received from a CitiGold Customer Service Agent. A few days after I opened the new CitiGold account, a CitiGold Customer Service Agent _explicitly_confirmed_, _in_writing_, that attached to my account was the promotional code for the XXXX Thank You points. Moreover, the CitiGold Customer Service Agent _explicitly_confirmed_, _in_writing_, that, " The bonus Thank You points will be credited by Citibank to your Thank You account 90 days from the end of the statement period in which you complete all offer requirements. '' Evidently, CitiGold 's own Customer Service Agent had _explicitly_confirmed_, _in_writing_, that the Thank You Points promotion was indeed offered in conjunction with the opening of my new account. I will be providing a copy of this secure message. Therefore, Citibank must credit my new CitiGold account with the XXXX Thank You points that were promised in their own promotion.
Consumer complaint received 2016-11-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HW Holding, Inc (CA)

1. Hunter Warfield sent me a letter to collect application fee and reservation fee for their client : XXXX. 
2. XXXX is an apartment renting and management agent in XXXX XXXX, to which I applied an apartment to rent in XXXX online, however I never got any reply from XXXX to either accept or reject my application. Later on they charged me for application and reservation fee, which I requested them to present me any legal documentation signed by both parties, which they failed to do so. XXXX then decided to send this case to the debt collection service Hunter Warfield. 
3. Once I got the debt collection letter from Hunter Warfield, I sent three certified letters to Hunter Warfield to respond and present me any legal documentation which proved that I owned XXXX any fees, Hunter Warfield never replied my requests. 
4. Due to my international travel and a potential impact on my credit while I was traveling, ( this was clearly stated in Hunter Warfield letter to me " This debt has been reported or is scheduled to be reported to one or all of the following XXXX national credit reporting bureaus : XXXX. If your debt is reported to the credit bureaus this could adersely affect your credit. ) 5. I then filled their debt collection letter with my credit card info for the charge, alone with a letter clearly stated that they needed to reply my request on providing me legal documentation on the debt before they could charge me on my credit card. 
6. Couple of weeks later when I came back from my international trip, I did n't receive any legal documentation on the debt Hunter Warfield claimed that I owed, but Hunter Warfield had charged my credit card.
Consumer complaint received 2017-05-01
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: EQUIFAX, INC. (CO)

Despite the clarification l etter ( see attac hed ) from  XXXX ,   XXXX   refuses to delete the account from my credit report.
Consumer complaint received 2015-04-26
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: PLS GROUP, INC (WI)

In XXXX of 2014 I took out an auto installment loan at PLS. I have been making biweekly payments ever since. Within the last XXXX6 months new management and employees have come in and it seems that they do not note properly in their notes while doing collection calls. The phone calls are not only to myself, but my references as well. I am being contacted about XXXX5 times a day and am also left XXXX voicemails from the employees. I have communicated my issue three times now and nothing has been done.
Consumer complaint received 2017-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (TN)

Nelnet is my federal student loan servicer. When I learned about the Public Service Loan Forgiveness ( PSLF ) program, I called my loan servicer to find out how to become qualified. At that time I was told there was no paper work to fill out until I had already worked ten years in a qualifying position. I asked if my position ( state government ) would qualify- they said yes. I called 2-3 times over the next six years to ask if there was paperwork or any other action I needed to take in order to have my loans forgiven under that plan. Each time I was ensured by a customer service representative that there was no action I needed to take. My most recent call to Nelnet was XXXX/XXXX/17 to re-certify my income-based payment, and during that call I made my regular inquiry about the PSLF program and my qualifications. I was told at that time that my loans should have been consolidated under the XXXX XXXX XXXX loan consolidation program before I began making those qualifying 120 consecutive payments. I spoke to a supervisor who gave me the same information. When I asked why I was given false information for the six previous years the supervisor said, " I do n't know why someone would tell you that. '' When I asked to make a complaint she told me that the complaint would only be good for employee training purposes- not to resolve my issue. 

I did not accept job offers from private companies because I wanted to remain in a qualifying position for the PSLF program. This Nelnet " blunder '' has caused me to make approximately {$14000.00} in payments that could have been used for PSLF ; and narrow my career path by choosing to remain in state government service.