davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-16
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Machol & Johannes, LLC (CO)

I have received the statement from Machol & Johannes and there are charges on the statement that I am not sure that I am responsible for. There is no ledger to indicate that this is charged to me or not. Further more it seems that the debt should be paid off and it still shows a balance.
Consumer complaint received 2016-06-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC (WI)

I have been trying to complete a loan modification with my lender for 2 years and am continually lied too. They send me a letter, emails, and verify by phone that all the information has been received and under review and then a few days to weeks later I get a call that the information is not complete and I get denied. I have gone through this at least 3 times with the latest being today. I received a letter of denial because they claim the documents are not complete after I have received a letter stating it has all been received. Then I get a call from a new account manager telling me it is not and is completely unaware that the letter has been received. I respond to that via phone and the new account manager looks at the received documents and tells me it was his oversight and that they have what they need. About 5 days later I get another call from another account manager that is supposedly helping my account manager and he tells me that they need more documents, newer versions of what I already sent them because they took too long to review them. So, I submit them again and receive an email confirming they are received. 
Today I get the letter that states otherwise. I keep getting lied to and have done some research on my lender and this is business as usual for them. I need someone to intervene and keep them honest and force then to do what the government has put into place. I am convinced they are are more concerned with forcing me out of my home than working to keep me in it.
Consumer complaint received 2015-05-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (KS)

My home mortgage service was transferred to SunTrust Mortgage , Inc. from XXXX XXXX XXXX. The automatic payments were canceled as a result. The same day I received the notice of transfer, I signed up with SunTrust Morgage , Inc. for automatic payments. SunTrust Mortgage , Inc. will not process the automatic payment request, which is making the payment late.
Consumer complaint received 2015-10-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (LA)

The loan was paid off in XX/XX/XXXX, by me refinancing the loan soley in my name with XXXX XXXX XXXX. XXXX XXXX advised me that the amount they were going to send to AES was about XXXX over the payoff amount, just to make sure the loan is paid off and the remandier shoud be sent back to them. I called when the account reflected the account was paid in full. They stated that the check will be sent in 30 days. A few weeks later that told me that they had a invlaid address for me and that they needed my address to send the check, however, every time I call I verify my address. I re-verified my address, they stated that a check would be sent in 10 business days. I waited a little over two weeks to check the status of the refund, they then stated that it would take 30 days. I waited 30 days and did not receive a check. I emailed them about the status, never received a response ; thus, I called a week later to check the status, they stated that a email was sent to the treasury department a week after they received the email from me requesting the status. During this conversation they stated they do not know what is going on with the check. This company keeps giving me the run around about an overpayment for a loan that was paid in full.
Consumer complaint received 2023-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

Recently Wells Fargo announced that their clients may be affected if they have an account with them from XXXX until XXXX. During that time Wells Fargo may charge the wrong fee or interest in your account. I have a Wells Fargo account since XXXX and I would like to know if my account has been affected.
Consumer complaint received 2017-01-20
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: MONEY SOURCE, INC., THE (TX)

Back in XXXX 2016 I was contacted by a loan officer from The Money Source stating " I qualify for refinancing at a interest rate of 3.375 % from 3.875 % with no closing cost for being a good customer ". I was interested and ready to refinance. The process took months. I did not hear from the loan officer for weeks. I would call but no response. Finally I received paper work by email to refinance but it stated the interest rate was 3.875 %. I called the loan officer and told him the information was incorrect. Fast forward almost two weeks later from that interaction, I get the corrected paper work, oh and by the way it 's the end of XXXX. I signed all of the paper by email and sent them back. I waited no word from the loan officer for weeks. I called for updates, he said he will let me know. According to him, they were short staffed. During this whole time I was paying off other bills because I wanted to get a fresh start for the new year. So, I get a call from the loan officer stating that I needed {$3400.00} for closing and two bank statements to show that these funds have been in my a account. I told him that when the refinance was offered to me there was no closing cost he stated oh that 's just from a template. I was upset but I wanted the lower rate. I looked at my bank statements and see that the closing funds are not over the closing cost which he stated was required. I called and spoke with a manager because I felt the loan officer was n't providing good customer service and keeping me informed. He stated I had till end of XXXX to get another statement showing the funds in my account and everything would be ok. I received a call XXXX XXXX to inform me that I was denied for the refinancing. Loan officer stated all information needed to be turned in by XXXX XXXX. After waiting over three months and never being informed of these requirements in the first place makes me feel delude.
Consumer complaint received 2015-09-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (VT)

When I signed up for XXXX I agreed on a one year contract that was what the lady said on the phone with me. I never missed a payment the whole year and when I decided to cancel due to the fact that it kept going down they said I had to pay a fee for not staying with them for 2 years. I called and disputed that till the guy on the phone got very vulgar and demanding.
Consumer complaint received 2020-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MD)

My loan is with Navient. 
When I was financially stable I set up a generous monthly auto-payment plan ( {$170.00} ) to lower my overall debt and keep interest down. I paid this amount for several months, but when I enrolled in school gain I turned off the autopayment and went into deferment until I finish school. 

Despite canceling the autopayment I was still billed. 

Their last withdraw put my account into the negative. 

I called the company, they said autopayment had been deactivated, and after i prompted them to look at my recent payment history they acknowledged their fault and said that they would refund the money, which they never did. 

This happened several times, I even deleted my debit card from my navient account payment methods and was STILL billed. They give me the same story each time : Navient : You are not on autopayment Me : Then please review the recent payment on my account Navient : Ah, I see. That is strange. We will resolve this and refund your money. 
Me : I will not be billed again, correct? 
Navient : Correct, we apologize for the inconvenience, I dont know how this happened. 

The last time I asked for a written document stating I will not be billed, which they said would arrive here by the XXXX ( call was on the XXXX ) today is the XXXX and I have not received a formal letter or refund.
Consumer complaint received 2017-02-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: SLM CORPORATION (DE)

When I applied for a Sallie Mae loan I was given three different repayment periods : 10 years, 15 years and 30 years. The repayment period dictated how long I had to repay and in addition affected my interest rate. When I originally applied for my loan, I selected the option for a 30-year repayment term for lower monthly payments, in exchange for a higher interest rate. However once I entered repayment, my interest rate was still for a 30 year loan, but my " estimated payoff date '' is ten years from my " repayment start date ''. As a result, my payments are calculated based on 30-year repayment period interest rates and a 10-year repayment period. There is no way ( to my knowledge, or under my own investigation ) to change my " repayment start date '' nor when I requested a promissory note or reviewing my own documents there was any indication of how long my loan repayment period is. When I asked Customer Service for this information, they could not provide it to me either. So, the basis of my complaint is that my payments are much higher than they should be and that I have paid much more in interest because my payments are calculated using 30-year repayment term interest rates in a 10-year repayment term.
Consumer complaint received 2016-04-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION (NJ)

The lender Sallie Mae stated that they were unable / unwilling to follow my written payment allocation instructions. I used the CFPB guidelines for my instructions found at http XXXX Dear Sallie Mae , Inc. , I am writing to provide you instructions on how to apply payments when I send an amount greater than the minimum amount due. Please apply payments as follows : 1. After applying the minimum amount due for each loan, any additional amount should be applied to the principal of the loan that is accruing the highest interest rate. 
2. If there are multiple loans with the same interest rate, please apply the additional amount to the principal of the loan with the lowest outstanding principal balance. 
3. If any additional amount above the minimum amount due ends up paying off an individual loan, please then apply any remaining part of my payment to the principal of the loan with the next highest interest rate. 
It is possible that I may find an option to refinance my loans to a lower rate with another lender. If this lender or any third party makes payments to my account on my behalf, you should use the instructions outlined above. 

Retain these instructions. Please apply these instructions to all future overpayments. Please confirm that these payments will be processed as specified, or provide an explanation as to why you are unable to follow these instructions.
Consumer complaint received 2023-02-03
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: ALLY FINANCIAL INC. (NH)

Ally Financial, and its agents have abused and deceived me as a consumer for their unfair practices of sharing " Our '' credit experience with third party organizations without prior consent/ permission from me the consumer. XXXX a agent whom works for this corporation stated that Ally believes they are furnishing accurate and complete information or our credit experience with you ( consumer ) labeled in exhibit ( A ) and therefor she will not request the removal from the reporting agencies. this is in violation of 15 usc 1681 a ( 2 ) ( i ) the fair credit reporting act Exclusions section meaning whats supposed to be excluded from a consumer report congress makes it clear that a report containing information solely as to transactions or experiences between the consumer and the person making the report ; must be excluded.

Ally was certified mailed to cease this form of communication including reporting to the credit reporting agencies. your organization never gave me a opt out clause to let me know as a consumer i have the right to opt out of credit reporting which is a violation of the gramm leach bililey act 15 usc 6801.

Note ; Ally has received and signed for all documents i have the green return receipts with signatures. this includes cease and desist, affidavit of Truth, invoice, notice of default opportunity to cure.
Consumer complaint received 2015-11-28
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (OH)

Second time I am contacting. My account is through AES. Risking defaulting on my loan because they wo n't work with me to come up with a payment arrangement I can handle for my income. I make {$12000.00} a year right now. I have explained this, and they wo n't listen. Told them I am still looking for a job in my field. First time I contacted cfpb, AES sent me forbearance papers in the mail. Surprised, I signed them and mailed them back. No contact or communication from them, just papers. Today, I get a response on the forbearance..denied. Because I will not pay what they are demanding, {$340.00} a month.. I 'm not saying I wo n't pay I just need someone to work with me, and they wo n't. Im agervated and disgusted, and feel my credit is probably going to be ruined.
Consumer complaint received 2017-02-03
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (GA)

I contacted SunTrust Mortgage to advise that they were no longer reporting on my credit report. I was advised that they do not report to the credit bureaus because they did not have a letter of reaffirmation on file and that I would need to reopen my bankruptcy case from XX/XX/XXXX and sign a letter of reaffirmation. I advised and sent SunTrust proof that they report on my credit report until XXXX as shown on my credit report I pulled in XXXX. I also, sent the recent credit report from XXXX to show they stopped reporting, and a copy of my bankruptcy petition showing that they were aware of my bankruptcy and electronically served through the registered agent at the time XXXX to come to the meeting of the creditors.
Consumer complaint received 2016-06-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (GA)

Beginning in XXXX of XXXX, I attempted to apply for the XXXX program by submitting materials to servicer, XXXX. XXXX submitted application materials to loan guarantor PHEAA, who rejected application for lack of materials ( teaching credentials, letter from principal ), though these materials had previously been submitted. Same materials resubmitted multiple times by XXXX to guarantor and each time it was rejected ; the reason given : guarantor required those same ( previously submitted ) materials. On XXXX/XXXX/XXXX guarantor told me they had received no materials from XXXX and that I was not to contact guarantor. They also said I could fax materials directly, but nothing would be done if not sent by servicer, thereby rendering action pointless. They referred me back to XXXX. XXXX then placed XXXX call to PHEAA who admitted receiving materials in XXXX while also admitting to rejecting the application for lack of same materials. Call transferred to new rep who then refused to speak further when informed call was being recorded by XXXX. No resolution offered. XXXX rep offered no other recourse. In same day, Guarantor refused to speak with me, said they would only deal with XXXX, referred me back to XXXX, and then refused to speak with XXXX because of their policy of recording phone calls, leaving me with no further recourse.
Consumer complaint received 2022-08-04
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. (FL)

Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX
Consumer complaint received 2016-10-19
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: SUNTRUST BANKS, INC. (FL)

Applied to Suntrust Mortgage on XXXX/XXXX/16 to refinance our Suntrust Equity & existing Mortgage w/Seterus XXXX. The existing Equity expiring XXXX/XXXX/16 with a higher interest rate Plus a Revolving Line of Credit Fee. 
A check for {$500.00} was written for an appraisal, We received our contract via XXXX everything was moving along fine, Suddenly XXXX XXXX was not returning phone calls, We received a letter from XXXX XXXX Banks requesting a third copy of our personal information and was later told XXXX XXXX was no longer with Suntrustt and could not find all the files previously sent. At this point we decided to refinance with XXXX XXXX and was told the appraisal was no longer valid and another appraisal was required. 
. Thank You,
Consumer complaint received 2016-10-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (FL)

I received correspondence from SunTrust Bank on XXXX/XXXX/2016 about bank accounts for me. I never opened any accounts with them so I called them and they assured me that they had already closed the accounts and realized that they were fraudulent. They said that they had been opened on line but there were never any deposits made to them. I recently received additional correspondence dated XXXX/XXXX/2016 from SunTrust bank about the same accounts. My concern is that their practices are unethical. I have never attempted to open a bank account or credit card services with SunTrust Bank in person or on line. It really does n't make sense that someone would try to open an account in my name without making a deposit. I was not aware that it is possible to open a checking and savings account on line. I do n't believe them when they say that someone attempted to open these account in my name on line because the correspondence came to my home address. There are XXXX accounts but I only had room to submit XXXX for this complaint.
Consumer complaint received 2017-02-19
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITY NATIONAL BANK (CA)

I currently have a mortgage with City National Bank. I have had the mortgage since XX/XX/XXXX. I am complaining about unfair business practices by City National Bank. on several occasions between XX/XX/XXXX and XX/XX/XXXX I had to pay my mortgage at the end of the month because of financial difficulties. I would walk my payment into a branch and have it posted to my account for that month. While it was well within 30 days of when it was due the bank would fail to finally post it to my loan for several days after which would ultimately result in a late mark on mine and my husbands credit. Often times, the bank was in receipt of the funds in their account for the mortgage payment but they would still fail to post it to my account. When I realized they were doing this I provided them with stubs from the bank showing the payments were posted before the 30 days at the branch and that they had already taken out the money for the mortgage payment. They responded that they have up to 5 days to post the money to the account and that paying it at the branch did not qualify as a " posting '' even though it was stamped as posted in the branch. I believe that I was well within the 30 days when I made my payments and that they continued to mark my credit several times because they had an internal posting process that caused a delay on my account.
Consumer complaint received 2015-12-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Servatus Corporation (AZ)

Excessive calling after asking not to contact me under any circumstances. Speaking aggresive of other inquiries and information on my credit report. Excessively pulling inquiries without my authorization XXXX a week and every other day. Talking over me being very unprofessional and then hung up on me while I was talking. This is messing with my health and agitation of the pre-existing health problems I endureXXXX to the point of cancelling the doctor appointments I had scheduled.
Consumer complaint received 2016-08-03
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (WI)

In XXXX, 2015, I received notice that the interest rate on XXXX of my Guaranty Bank credit cards through Elan Services, was going to nearly double without any justified reason. I sent in a written notice as was procedure that clearly stated I did not authorize any interest rate increase or closing of my account due to my refusal to have the interest nearly double without any justified reason. I never received a response and Elan began charging me the increased interest rate. In doing so, they raised my minimum amount due on a monthly basis by such a large margin that it became impossible to pay the full amount each month. I have made multiple attempts to contact the company and inform them that they had received notice in a timely manner that raising the interest rate was not authorized, but the company has blatantly disregarded the information that I have attempted to provide to them.
Consumer complaint received 2016-06-16
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (OR)

There is a fraudulent charge on my account. I have contacted the fraud department on numerous occasions about the matter. However, now they refuse to speak with me about the matter and XXXX of the representatives went as far as to yell at me and then hang up when I only asked for her to repeat XXXX sentence because I was taking notes.
Consumer complaint received 2017-01-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Vengroff Williams, Inc (NY)

i owed XXXX money regarding a medical leave payment discrepancy in 2014 - I was placed in collections and immediately paid the balance that was due. It is now 2 years later and I am trying to purchase a home and I am being denied by all creditors because it shows on my credit report that I owe collections money.