davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-11
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Business Bureau (IL)

XXXX XXXX hospital mailed a XXXX statement in XX/XX/XXXX or XX/XX/XXXX regarding an XXXX visit on XX/XX/XXXX. The statement did not itemize what the charges were for and since I had already paid several invoices from swedish covenant that were sent right after the XXXX visit, I requested a detailed invoice from XXXX. This was never provided, however the statements continued and so I felt pressure to just submit payment via my health savings debit card. This transaction paid the statement balance in full and the transaction was dated on XX/XX/XXXX in the amount of {$150.00}. 

On XX/XX/XXXX, my account was sent to a collection agency. I was unaware as no further statements have been received. I only found out about this when I checked my credit score and found this as a derogatory remark against me. 

As I prepared to dispute this charge, I reviewed the charges submitted to my health care provider XXXX. Not only has XXXX failed to provide myself the requested invoice, they never submitted an invoice to XXXX. For all I know, this charge I paid for was a double billed amount, an over billed amount or something that should be covered by XXXX. 

I feel the actions taken by XXXX XXXX are in violation with fair credit reporting regulations. In addition, the collection agency has not contacted myself, however through the credit reporting they reflect I have not paid this balance. 

This amount should have never been sent to a collection agency and possibly should never have been billed.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (TX)

Loans were not put into forbearance when told numerous times that I am unemployed and have been for XXXX years. Some employers do credit checks now and these loans reflect badly preventing me from getting work in order to pay them off.
Consumer complaint received 2017-03-15
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (FL)

This is in reference to complaint # XXXX that you do not allow the complainant to update information. I just received a collection call on my account that the company stated they would put on hold prohibiting any collection calls. The last person at LoanCare explained that when the IRRRL was processed, my escrow of $ XXXX was merged into the payoff. That is why my monthly payment was too high because my escrow is showing a negative balance, and now I am paying interest on the escrow amount added to the refinanced principal. PLEASE follow up and contact the company to stop the collection calls. In addition, this has been going on for over two months and no contact from the company. I am forced to constantly call them.
Consumer complaint received 2015-10-14
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP (PA)

I contacted my bank Fulton Bank to report a fraudulent charge on my credit card. I was told the charge of {$1900.00} from 2014 by TSBO ( timeshares by owner ) would be removed and I would receive a new card because they would have to cancel my old card. It has been a couple of months and I have yet to see my credit. At this point I do not know where to turn I am XXXX yrs of age XXXX and I feel my bank has not helped me at all regarding this fraudulent charge. I have never heard of this company before until it showed up on my bill. I thought that I understood the law enough to feel that I was not liable for fraudulent charges to my account possibly due to identity theft. It seems Fulton Bank either feels otherwise or is not adhering to the law.
Consumer complaint received 2016-10-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (CA)

Us Bank charged me XXXX overdraft fees when my account was not overdrawn they were XXXX .for each one. I want my money back my account was not overdrawn. This happened on XXXX/XXXX/16 and XXXX/XXXX/16. Thank you.
Consumer complaint received 2015-06-22
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (AZ)

Bank owners rob clients. 
I, XXXX XXXX, accuse the XXXX bank owners of conscious and notorious robbing clients by setting up accounts without overdraft limits. 

The bankers have set up this way a financial trap to charge clients illegal fees for overdraft. 

Oftentimes and not due to their own fault, people pay penalties of {$35.00} for overdraft of even a single dollar. 

The criminal procedure has been going on in the XXXX for decades, and as financial specialists estimate, people are robbed in the range of $ 40- {$60.00} XXXX annually. This is an intentional manipulation of bank accounts. 

The bankers absolutely can not defend themselves by the client agreement because in practice it is not an agreement for dictatorship. Once I asked a banker if he will open an account for me if I refuse to pay late/overdraft fees, he answered : NO. To a question if he can block my account when I use all my funds, he answered : NO. 

And the problem is very simple ; accounts should be blocked when the deposit is down to zero. 

This is how it 's handled in XXXX where I was in XXXX. The criminal system does not exist over there because the accounts are blocked when there are no funds in them. 
The XXXX banks, and along with them other financial institutions, commit the biggest theft in the history of this planet, which I estimate in trillions of dollars. I personally lost thousands of dollars in the XXXX banks because of this reason. 

Some of the richest people agitating and bribing influential people and use XXXX to achieve their dirty goals. This XXXX, and you as the government, you nothing can do with this, but I can do a lot in XXXX, this is my duty. 

In my writing to the government of XXXX you can read what penalties are meted out for wrong doing. However, very interesting is video on XXXX Wake Up Call. 

I, XXXX XXXX, request that you at CFBP initiate governmental investigation on these procedures. Please inform me if your legal status does not allow you to initiate this investigation, then I will send this accusation to the XXXX Attorney General. 

XXXX
Consumer complaint received 2020-04-18
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. (TN)

Never applied for these accounts I.am writing this due to non-compliance with the Equifax. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2015-10-02
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (MO)

We are requesting short sale on an XXXX mortgage for a deceased veteran. The formal file was sent on XXXX/XXXX/2015 and additional information was requested and sent on XX/XX/XXXX. During followup on XXXX/XXXX/2015, calls to the customer service was transferred to multiple places and finally it was moved to and connected to the Single Point of Contact. The single point of contact then informed me that nothing was done on the file and there were no documents received on the field and nothing was done. We did receive email and fax confirmation that the document were received and but the servicer says there is nothing on file. Also informed that the process could take 3-6 months. That it deplorable for processing on and charged off, XXXX mortgage for a deceased borrower. Totally unacceptable. After three of submission there is not record for document receipt, the file is not open, and inadequate response form the servicerimprove the process of receiving documents from borrowers and confirm receipt. There seems to be no accountability on the servicer side. Only time delays and excuses.
Consumer complaint received 2017-01-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (TN)

I received a letter from US Bank that my insurance policy is not acceptable. They state that the investor requires that the deductible not exceed five percent of the policy limits. I live in a condo and it is insured through my condo association. I also carry a personal policy. My condo is adequately insured. No loan documents state the deductible requirements. My personal policy is for {$18000.00} with a {$1000.00} deductible. I called US Bank and the representative told meI have to get my coverage increased or deductible lowered on my personal policy. I 've had this loan for less than a year and my current coverage is the same and was accepted when I took out the loan. My loan balance is only 60 % of the appraised value. The representative told me if I did n't change the coverage amount or deductible they would not accept my policy and force place coverage and increase my monthly payment.
Consumer complaint received 2016-05-03
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (CA)

Ally Financial, keeps calling more than 3 times a day everyday trying to collect payment. They have a 10 day grace period for the payment to be submitted and within 3- 5 days they are already calling and sending letters to both myself and co-signer. These calls and letters are very stressing and distracting. Even if I contact them and try to work the issue out with them I am still getting harassing phone calls throughout the whole day. The letters state that they are going to mark my account as delinquent.
Consumer complaint received 2016-12-09
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: ALLY FINANCIAL INC. (DE)

My Husband and I have a joined account and I notice that we had a XXXX transaction that we did n't recognize. We both called Ally Bank and explain the issue. The representative took both of our information and said that she did see anything on our new banking cards, she ask if we had lost or a card stolen my husband replied yes last XX/XX/XXXX ( lost but found a day later in the house ) the same day he notice his card missing he call and had it cancelled then the next day he cut up the card. The rep told him that this account may have still been active because he had a automatic payment attach to the account. My husband told her that it was for waste management and that that was in correct because that card was cancelled and put on the new card. But some how we still have money coming out of our account that they refuse to give back. but it 's not coming from the ATM cards we have now. They offered to give us new cards but not set up a new account. What should I do and we are 15 day from XXXX? Note I called the address on my bank statement where the money was said to be spent and it 's a day care in XXXX XXXX OH. and the XXXX in XXXX NJ
Consumer complaint received 2016-01-13
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mark A. Kirkorsky, PC (HI)

A debt collection company in XXXX, Arizona sued me in the local court system over unpaid credit card debt. I called the debt collection company and spoke to a man named XXXX ( if my memory serves me correctly ), and told him that I can not pay the debt due to financial losses and other circumstances, and offered to pay the debt off at {$200.00} per month, stating that {$200.00} per month is as much as I can afford on my current budget. 

XXXX told me during that phone conversation that he would email me a copy of an agreement that would enable the loan to be paid off at that rate ( {$200.00} per month ). I told XXXX that I must see the contract before I can agree to it. I never received that document, and so the agreed arrangement was never initiated. 

Now, the debt collection company for which XXXX works is initiating garnishment of wages at the maximum allowed rate. If garnishment is initiated I will not be able to pay my bills and suppose I will have to file for bankruptcy - something I have not done because I have not even had the funds for the fees involved. 

This is the second time a debt collector has initiated garnishment of wages after agreeing verbally to accept monthly payments. The previous occasion was resolved through your assistance. 

Since the agreement to pay off the debt at {$200.00} per month, my rent has gone up by another {$120.00} per month. At the same time, there was no cost of living increase for me this year due to my employer 's business losses. I really do n't know what I will be able to afford for debt payments now - and my landlord can be expected to continue raising my rent yearly. 

Your assistance is much appreciated, XXXX XXXX
Consumer complaint received 2016-08-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Allied California (TN)

I have, a collection charge against my credit score for the amount of {$67.00} I would like to contact the debtor to resolve this issue. THERE IS NO PHONE NUMBER ATTACHED TO THIS BUSINESSES.
Consumer complaint received 2017-01-27
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: SLM CORPORATION (NE)

I have used Sallie Mae for my Private student loans since XX/XX/XXXX to XX/XX/XXXX. After I received my degrees. I started to try and repay the loans, But was told by Sallie Mae that they did not have an income based repayment program. I was told that i must go into forbearance and pay XXXX dollars a month to place the loans into forbearance. When i told them that i had no means to be able to make the payments they continued to make me defer on the loans. In XX/XX/XXXX I joined the Military, and with the military all they were able to do is allow me to have loan forgiveness until XX/XX/XXXX where i will continue to have to make payments on the loans. I notified them that even with the military paychecks i will not be able to afford the monthly payments that they require. I have been having constant issues with trying to be able to work with them on how to pay off the loans. I have no other options, and saw articles about CFPB pursuing Sallie Mae about reasons that i have had to deal with. I am hoping to be able to get some answers. I have talked to multiple employees and managers at sallie mae, they have even told me to ignore the collection calls from their company and just keep paying for forbearance. The calls were so consistent that i was receiving a call from them everyday for weeks. i continued to answer and explain the situation to a new employee daily. I have also spoken to managers at Sallie Mae and they told me that i have no other option but to continue to not pay on the loans. These forbearance payments that i was making also do not go towards my loans interests. My Loans continued to gain interest even though i was paying XXXX a month for the forbearance. i have no other options and this company has continued to work with me, and make a plan that works for both of us. Also I have loans with this company for my XXXX through XXXX College.
Consumer complaint received 2016-06-20
Product: Credit card — 
Issue: Billing disputes — 
Company: SUNTRUST BANKS, INC. (GA)

XXXX was sent to me. But only XXXX was ordered online vie XXXX in XXXX XXXX. Also my wife was present doing the ordering of XXXX XXXX. SunTrust credit card XXXX reimbursement the XXXX credit my account ending in XXXX XXXX XXXX. But in XXXX XXXX XXXX they had XXXX debited my account XXXX. Stating that information sent to me via XXXX concerns XXXX Questions XXXX XXXX XXXX S/T credit card letter was not sent in time before XXXX/XXXX/XXXX. That 's a lie it was sent at a Suntrust bank branch office in XXXX GA. XXXX/XXXX/XXXX at XXXX pm XXXX pages status OK. Fax number XXXX XXXX XXXX in XXXX FL. XXXX.
Consumer complaint received 2016-09-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AES/PHEAA (TN)

Overtime they have continually reported my credit inaccurately ( reporting I owed money that had already been paid, multiple listing on my credit report, etc. ) I have been able to get a lot of it removed. I have been trying to get them to accurately report my charge off as settled, but have been unable to get in contact with them. I have tried to contact the number listed on my credit report and they told me to call XXXX XXXX XXXX to get it taken off. I called the number and got a weird dial tone and then a disconnect. I also contacted AES, the servicer of the loan and they claimed they were unable to remove the information. They also claimed that they had tried to get a response from National Collegiate Trust, but were unable to achieve XXXX.
Consumer complaint received 2015-05-16
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SUNTRUST BANKS, INC. (GA)

XXXX 2014 I received XXXX checks in the amount of {$1900.00} each directly deposited into my checking account. I withdrew the funds and did not find out until months later than they had insufficient funds. I had {$950.00} in my Suntrust account which Suntrust debited and charged the balance to my Suntrust Credit Card. I contacted Suntrust and informed them what happened and have been making monthly payments. My credit card was connected to my checking account for overdraft protection. The checks are being invested by XXXX XXXX Fraud department and XXXX XXXX Police. Suntrust has called me XXXX times to collect the debt. They are aware of what happened and I am making payments monthly but they have continued to call me although I have asked them not to call me. I am currently on XXXX with many medical problems and I am not suppose to get stressed. I consider this harassment because there is nothing that I can do because I am not employed. I have paid them {$900.00} within the past 3 weeks and it does n't seem to matter. I banked with Suntrust for 36 years and I expected to be treated better than this. They have treated me like a criminal. My credit card limit was {$6000.00}. The additional {$3900.00} made my account over the limit. I am being harassed for the overage.
Consumer complaint received 2015-06-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (AR)

HeyI would like to know who I can file a complaint with about American education services, AES. I got a private student loan with XXXX in XX/XX/XXXX, they sold it at the end of last year to a company I can not not locate any information on. I have paid off XXXX loan and have been paying on another through them. I called last month and asked if I could have a smaller payment since I had some extra things come up. There rep said I was paid up until XX/XX/XXXX and I could just pay an interest payment with no issue, so I did. Then I started getting emails and phone calls about my delinquent account. I called and was told the XXXX person I spoke with was completely incorrect and that they would put it on my credit in 60 days if not caught up. I have been trying to get extra work and sell things to do that. They could do nothing else to help me but would file a complain on my behalf. I got another letter stating they were going to report it to my credit in 30 days if not paid. I called because now a manager has lied to me as well as a rep. I was told today that it was basically my fault for listening to their rep and that their is nothing they will do to help keep the delinquency off my credit. I would like to know what I can do, that is so wrong and I wont get any extra money until after the 30 day mark. I want them investigated too, maybe they are just as corrupt as XXXX student loans. But they are out of PA not AR .... can you give me any assistance on who or what I can do!! 
Thanks
Consumer complaint received 2016-09-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (CA)

Sometime during the morning hours of XXXX/XXXX/16, SunTrust Bank closed an account I had recently opened with a balance of {$3900.00} and mailed me a check for that amount. When I called/online chatted with SunTrust regarding this incident, I was not given a reasonable explanation. A Customer Service Supervisor I spoke with named XXXX stated that SunTrust, at their discretion, has the right to close an account at any time. I asked for her supervisor, whose named I later learned was XXXX XXXX, reiterated this response but also stated that SunTrust closed the account because they wanted to terminate any relationship with my wife, a coappliant on this account. I stated that my wife has done business with SunTrust for over 5 years and only recently closed her account when we moved from XXXX to XXXX. XXXX declined to provide further details about why the account was closed. Does SunTrust truly have the " right '' to close my bank account at their discretion without at least contacting me first to inform me of their decision. Do I have the right to know why they made this decision? Please help.
Consumer complaint received 2017-01-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: AES/PHEAA (TX)

The school closed in XXXX, TX. XXXX College For a few years my loans were with XXXX. I had some hardships, the payments were outrageous and they would not help me at all. I lost my job and they were still telling me to pay and said this is as low as we can go. It made it harder than it should have been. They had my information form XXXX College but they closed. I asked how I can get that loan dismissed because it closed and I didnt even complete my degree yet. They told me they would be deferred for a year but I received a statement saying I need to pay {$310.00} by XX/XX/XXXX. I am still unemployed. I owe {$30000.00} and Im just trying to get help.
Consumer complaint received 2016-04-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (OR)

My loan servicer has incompetently processed my documents, provided me with false information, and incorrectly denied me the payment plan I requested to receive which has resulted in XXXX of dollars of interest incorrectly accrued to my student loan debt. Fedloan servicing has caused me financial stress through a lack of accountability in their processors, and I have spent several hours on the phone and over a year writing correspondence to attempt to correct this issue to no avail. I have exhausted many alternatives trying to deal with their bureaucracy which has accomplished nothing except tacking on XXXX of dollars to my principal. So now I seek external accountability measures to redress this issue.
Consumer complaint received 2016-01-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Credit Karma (CA)

When making a final payment on a closed account with XXXX, I found out that there was another phone line that was opened up in my name about 2 years ago, XXXX 2013. When I went to Credit Karma to obtain a credit report, and to find if there was any other illegal and unauthorized activity, I found out that there a home and auto loan that was also taken out in my name around the same time.