davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-04
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC. (CA)

XX/XX/XXXX I was recovering from a XXXX which kept me from working from XXXX XXXX. I contacted the bank to let them know my payments would be delayed till I return back to work in XXXX XXXX. Two months later sent them a check for payment and some extra to show good faith and they sent it back with foreclosure notification. I cashed out all my savings and my whole life policy and tried for 6 months to pay in full and reinstate my loan, employees stated that the lawyers were holding things up. Finally by XX/XX/XXXX I reached a XXXX XXXX whom agreed to take my money ( XXXX ) and reinstate my loan, however he took my money but did n't reinstate my loan. I called every day for weeks and then hired a lawyer whom scammed me for XXXX and is currently in bankruptcy proceedings. I was at that point force into applying for modification which I did over and over, I 'd send in papers and they would send foreclosure papers for 3-4 yrs this went on, finally XX/XX/XXXX an employee called and told me I had a modification ( truthfully I did n't care what the terms were I felt I did n't have a choice and wanted the madness to stop. ) I do n't know if they gave me credit for the monies I wired in but I know I have been paying interest on fee and penalties they tact on to my loan over that period which I feel is unethical given my situation and the many attempts I made to reinstate my loan. I sought out a lawyer recently and was told I was beyond the statues of limitations 3-4 yrs, have tried to speak with SunTrust several times but they have not been helpful. My payments are very high I will not be able to hang on to my HOME much longer especially with interest rate that will increase every yr for the next 5 years.
Consumer complaint received 2020-06-20
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: SYNCHRONY FINANCIAL (NY)

Care credit/synchrony bank had reported me twice as being late with payments. I had some fraudulent activity on this account awhile ago during there investigation I was assured nothing would be reported as late to the credit reporting agencys till there investigation was complete. The investigation was completed and was proven there was fraud in the account however I was reported twice as late on payments. I contacted them months ago and was assured they would be removed as it was an error. One was removed however the second one was not. I called again and spoke to a customer service rep who looked into it and submitted a statement for the 3 credit reporting agencies to remove that other negative late payment remark. Today I checked XXXX XXXX and that one shows 2 late payment remarks still. This is affecting my credit in a negative way.
Consumer complaint received 2016-06-08
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (GA)

I opened a SunTrust Checking and Savings account on XX/XX/XXXX. During the application process they require you to fund your new accounts. I provided a routing and account number and authorized a transfer of {$15000.00} To confirm the external account SunTrust makes XXXX small deposits and a withdraw and those amounts are verified by the customer which I did. 
It 's now XX/XX/XXXX and the transfer has not taken place but the issue is I 've spoken to multiple employees and all of them say " they do not have access to transfer information provided during the application process ''. No one can confirm if this transfer is going to take place or not. Obviously my concern for initiating a second transfer is the potential to overdraft my external account. I was also provided a confirmation page listing the transfer information but again the employees ca n't see that either. 
I 've also asked that my issue be escalated to management but still have not received any contact from anyone with authority. 
Secondary Complaint : My savings account immediately showed as " Pending Closure '' causing immediate confusion. I was informed all savings accounts do that until money is deposited. This is very confusing for a new customer.
Consumer complaint received 2022-08-04
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

Hello. My name is XXXX XXXX XXXX XXXX, of XXXX. On XX/XX/XXXX my business partner and I opened a business checking account with Chase Bank. We were served by the branch in the XXXX, on XXXX XXXX near XXXX XXXX. I simultaneously opened a Military Checking account, under what Chase calls " Premier Checking. '' We successfully opened the business account and personal account. 

On XX/XX/XXXX, I received a call from the account specialist that helped us that Chase would require me to remove my name from the business account in order for it to stay open. So, being compelled by way of running my business, I opted to remove my name so that my partner could keep the account in good standing. When I inquired about the reasons for the closure, the Fraud department transferred me to another specialist that explained that in XXXX, I had two accounts open, a Checking and a business account, and that, at that time, Chase opted to end their relationship with me. Also stated was they had voice recordings of the person whom " called a month later to inquire about the closure. '' During the conversation, the specialist was cordial but would not tell me the exact reason why Chase ended their relationship with me. I believe it would've been fair if they offered to investigate for possible fraud as I do not remember opening a Chase business account or checking account in XXXX. I'm sure I didn't and don't know how that could've happened. I also feel it's unfair that my name be removed from the business account. I do not know what rights I am entitled to and am seeking help in at least gaining a investigation from Chase. 

My phone number is XXXX. 

Thank you
Consumer complaint received 2016-01-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (GA)

On XXXX XXXX, 2015 at XXXX I visited the PNC Bank in XXXX XXXX Georgia. I decided to make a deposit of approximately XXXX in cash in XXXX XXXX through XXXX. Since it was mostly XXXX it was a substantial sized stick of money. I put about a quarter inch of bills into the machine twice. After the XXXX time the machine flashed, you have decposited XXXX ( I do n't remember the odd amount ) would you like to continue. I pressed the button indicating that I would like to do so and attempted to deposit the XXXX part of the funds. When I did so the machine rejected it as it was returned to me. And then it gave me the receipt attached. 

I promptly went inside to report the rather mistake and to find out if the amount was deposited on my account. The gentleman said he would have to " file a dispute. '' and that is could take as many as 10 days to have the issue resolved. 
First of all it is not a despite when mortgage and tuition money is being held and a simple balancing of the machine can rectify the issue. 
Secondly I should not have to potentially wait and be penalized due to an error on the behalf of the bank and its machine. There is absolutely NOTHING on the machine indicating that I am depositing funds at my own risk. If I or ANY CONSUMER knew that when depositing cash in a machine if there is an error there is a CHANCE YOU CAN LOSE YOU MONEY DUE TO A DISPUTE I think fewer people would make such a decision. 

I need this issue resolved IMMIDATELY as I have bills to pay and it has put me and my family in financial duress.
Consumer complaint received 2017-01-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (AL)

As of Tuesday, XX/XX/2017, EXPERIAN is still knowingly and illegally reporting a debt of {$0.00} to XXXX for XXXX 
REASON FOR DISPUTE : This account is too old to be on file /time-barred, over the Status of Limitations ( please remove ). Balance is incorrect ( account is paid/settled ). This account was paid to the original creditor prior to becoming a collection or charge-off. XXXX balance and past due amount is reflected as XXXX on report. This record contains multiple inaccuracies purposely known and reported by XXXX. 
I maintain that during the selling, purchasing and/or transferring of my account ( s ), XXXX, knowingly violates both the Fair Debt Collection Practices Act and The Fair Credit Reporting, by constantly and consistently reporting negative, unfair, inaccurate, unreliable, incomplete and missing information to the XXXX major credit reporting agencies/bureaus ( Experian, XXXX and XXXX ) by purposefully misrepresenting a debt that I do NOT owe in its reporting as debts of XXXX ( {$0.00} ) that is : ( 1 ) paid/settled ( 2 ) old, obsolete and out-of-date ( 3 ) over the Statue of Limitations ( 4 ) time-barred ( 5 ) used to intimidate ( 6 ) purposely omitted date ( s ), time, purchases and amounts.
Consumer complaint received 2016-08-19
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (NJ)

My father has deposited {$1000.00} to my SunTrust account to pay for my XXXX XXXX mortgage loan. As you can see with the evidence of check image print, deposit of {$1000.00} was made. However as you can see only {$200.00} was deposited on my account. 
As a result of this horrible incident, {$800.00} went missing and my mortgage payment has been past due. With evidences attached, I have been charged with multiple late charges and fees from XXXX XXXX.
Consumer complaint received 2016-01-15
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO. (MI)

At age XXXX as a college student without income, I received an unsolicited Chase credit card with a high credit limit of {$11000.00}, well above my only other piece of credit of {$1300.00}. I ran up the balance to the max and was ultimately unable to pay. Chase charged the account off in XX/XX/XXXX, said they will no longer pursue collection of the debt, and filed a XXXX with the IRS. I paid the income tax associated with the XXXX in XX/XX/XXXX. XX/XX/XXXX, l left my job for a better one only to be told I could n't be hired based on my credit report reflecting an amount owed of {$13000.00} to Chase. I reached out to Chase to have the amount owed changed to reflect {$0.00} and they told me I would have to payoff the debt. I am now unemployed and in a catch-22. To make matters worse, I do not qualify for State unemployment since I left my old job voluntarily.
Consumer complaint received 2016-04-04
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: The Bureaus, Inc. (TX)

I have several complaints, I sent a debt Verification Request and a written cease of communication notice ( limited to mail only ) to The Bureaus Inc. on XXXX XXXX, 2016. As of today they have not responded to my request in writing however, they hired a second collection agency called XXXX XXXX , XXXX. When I was contacted by XXXX XXXX XXXX on XXXX XXXX, 2016 they claimed to represent XXXX XXXX and were trying to collect a debt on their behalf. My husband and I informed them I was n't aware XXXX XXXX XXXX on our credit report and was transfered to a supervisor. The supervisor then informed us that XXXX XXXX XXXX XXXX. is trying collect for XXXX XXXX. We informed him that the only XXXX XXXX collection that we aware of is the one owned by The Bureaus Inc. and informed them that we sent them a request for Validation and written cease of telephone communications. We asked if The Bureaus Inc. sold the debt to XXXX XXXX and he informed me that they work on " behalf '' of The Bureaus Inc. and that they are their clients. We then asked why they were stating they were working on behalf of the Original Creditor XXXX XXXX because both he and the original caller stated they were calling on behalf of XXXX XXXX. The Bureaus is using another collection agency to collect a debt on their behalf, even though this agency is claiming to work for the XXXX XXXX. The Bureaus Inc. was given a request for Validation and a written cease of communication and are using another agency to communicate illegally.
Consumer complaint received 2022-08-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK (UT)

I recently opened a Discover checking and savings account because I was excited to try out their new cash-back debit card. I set up direct deposit through my employer to fund the account. I use it for my every day banking. All of my money is in this back account. 

On XXXX I received an email telling me that they had noticed some fraudulent activity and that I needed to contact them IMMEDIATELY. So I called them as soon as I could, only to find out they had already completely closed my account with nearly {$1900.00} in it. Their email was extremely misleading, because by the time I had called them my account wasnt suspended, it was CLOSED, which was not reversible. Why even waste my time and have me call if youre going to close it anyway? I did nothing wrong! 

They then told me that it would be upwards of 60 days or more until I received a check to reimburse me. I cant wait that long! I work hard for my money and Im not a shady person. I dont get why my account has been closed. They offered no explanation. 

They refused to work with me and to help me understand what was happening. They provided me with XXXX resources, and now Im completely broke and Im scared of the financial ripple effect. I live on a tight budget, and having access to XXXX money is incredibly scary, especially when I go to work every day to make money and the bank decides to close my account without giving me a chance. There was XXXX warning, and I still have no idea how Im going to survive or keep my apartment. Im absolutely devastated. 

My account was in good standing, how are they allowed to do this to people? I have to panic and figure out a way to survive because they closed an account in good standing? Makes XXXX sense.
Consumer complaint received 2015-07-01
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (OR)

I found Castle Payday Loan with a search engine listed as " installment payday loans '' and applied. I was contacted the same day by a " loan officer '' and told for a {$350.00} loan I would make 4 installments of XXXX ea, over a 60 day period. After making the first pymt I went online to check what the payoff balance was and it showed no difference to the original loan amt, and was now showing a XXXX payoff. I decided to wait a week to see if it was just a website error The next time I got online was 4 days before the next pymt was due and it was still showing the same payoff, so i looked at " schedule of pymts '' tab, which BTW had NOT been an available tab option at the time of the loan. The schedule of pymts showed, 3 more pymts of XXXX and THEN ... another 15 pymts of slightly lower amts for a total of XXXX on a XXXX loan that was told to me to be 4 pymts of XXXX. There is no way I would have ever agreed to pay back XXXX dollars and the idea of paying for 18 mths on a XXXX loan at 788 % interest is criminal! 

I wrote this letter to Castle Payday as per their website to rescind my approval for them to withdraw money from my bank acct. They have not responded. 


Previous messageNext messageBack to messagesRescinding ConsentRescinding ConsentXXXX XXXXXXXXTo : XXXXXXXXXXXXTo whom it may concern, I attempted several times to reach you today to rescind my consent for ACH withdrawals from my account. After being on hold and told over and over, that it would only be another 35 seconds, I hung up and contacted my employee assistance program who put me in touch with a Predatory Lending Atty who advised me to notify you by email that I withdraw my consent and report your company to XXXX. I was told at the time the loan was taken out that i would have 4 TOTAL payments of XXXX on a {$350.00} loan. When I checked the payoff yesterday, it showed a higher amount NOW due than when I took out the loan, after making one of the three reported payments. Your schedule of payments shows a ridiculous 18 payments for a total of {$1600.00} on what was supposed to be a 60 day loan. I will not be paying this. I have reported you to XXXX and will follow all legal counsel should you attempt to collect on this. I will pay the original contracted amount of {$490.00} minus the {$120.00} already paid. 

XXXX XXXX XXXXApplication # XXXXPlease advise if I have any other options. 

XXXX
Consumer complaint received 2016-05-11
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION (NY)

I am a co signer on my sister Sallie Mae Loans, we are in the process of re-financing, and she is a few days behind on her most recent bill. Sallie Mae calls me almost every hour, on the weekends and its getting crazy.
Consumer complaint received 2016-02-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: EAST WEST BANK (CA)

I took a mortgage loan from East West Bank back in XXXX XXXX when I purchased my house. Purchase price was {>= $1,000,000} and the loan was {$690000.00}. I was told by XXXX XXXX and XXXX branch manager the the rate was fixed for the first 5 years for 4.625 % and it would become adjustable ( 1 yr Treasury + XXXX ) begining XXXX XXXX XXXX but my rate remained at XXXX and now they are saying that my loan rate can not be lower than XXXX. I was never told or received any disclosures that there was a minimum rate. I was milsled by East West Bank representatives by both loan officer who does n't have a NMLS number and the branch manager
Consumer complaint received 2016-09-08
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: STERLING JEWELERS, INC. (NJ)

I have had a Kay Jewelers Credit Card for about 6 years now and had never missed a payment. XX/XX/2016, I was late for the first time ever by about a week on a payment because i had just had my daughter and was on maternity leave and had totally forgot to make the payment. Kay Jewelers contacted me and I made the payment over the phone with them and apologized for forgetting to make the payment. They told me no worries and everything was fine. I visited a Kay Jewelers in XX/XX/XXXX to attempt to purchase my daughter an earring because she had lost one. When the store manager attempted to charge it to my credit account, he received a phone call from their corporate office stating that my account had been closed because " my credit score was not what it was when I first opened the account. '' That is extremely unprofessional and I am appalled that I was not notified prior to that visit that my account had been closed. It 's very sad that I found out my account had been closed WHILE AT THE LOCATION in front of all of the employees and customers. Terrible customer service. Terrible company. I have since stopped paying my bill since my account has been closed and because I am extremely unhappy with the company as a whole.
Consumer complaint received 2015-08-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CONTRACT CALLERS INC (IL)

CONTRACT CALLERS INC. HAS BEEN OPERATING IN ILLINOIS WITHOUT A VALID BUSINESS LICENSE SINCE XX/XX/XXXX. THEIR LICENSE EXPIRED ON XX/XX/XXXX. THERE ALSO APPEARS TO BE A GAP BETWEEN XX/XX/XXXX AND XX/XX/XXXX AND THEY HAVE BEEN ACTIVELY COLLECTING DEBTS WITHOUT A LICENSE. 

RE : Illinois Department of Financial and Professional Regulation
Consumer complaint received 2018-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (MO)

( XX/XX/2018 ) I called Navient this morning to rectify the problem and I got disrespected, insulted, the customer service reps said things like " I don't care '' or they would keep hanging up in my face like little kids instead of addressing the problems. Navient will print out anything from their computer and claim it as being true when in actuality its a lie, glitch or error. Navient kept hanging up in my face while saying " Why do you keep calling in? '' I answered " Because you keep hanging up in my face ''. Lastly I spoke with a Navient representative that refused to give me his name, he said he was from the OCP branch within Navient, He identified himself as " XXXX '' which I thought was very strange. The guy preceded to insult me and speak to me with a condescending attitude. The Navient rep behaved like a child, repeatedly hanging up in my face and joking around on the phone, finally instead of addressing the problem the Navient rep said He was calling the police on me for harassing and threatening him. He also said he would do everything in his power to keep reporting negative fraudulent things into my credit reports. After he threatened to have me arrested for calling about my problem I knew Navient was/Is a criminal enterprise! Why does the US Dept. of Education do business with fraudulent criminals? I went to the XXXX police department to check and see if Navient filed a false police report against me and they said that Navient could not do that and they wouldn't take a police report on that if they did. Navient does illegal things when dealing with students/customers and I would like something done about it.
Consumer complaint received 2015-12-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (PA)

I submitted a request to American Education Services to apply a natural disaster forbearance in order to prevent my loan from defaulting. I gave all the information requested and every time, I received a letter stating they needed the same information they requested. Every time I called in and gave them the information and every time they restarted the request, stating that it was a computer issue. When they finally did put the forbearance through, they completely ignored the loan that I had been requesting the forbearance for and then they defaulted that loan. I had requested it specifically to avoid that happening. When I emailed them to address the issue, they completely ignored my email. It 's been a week and a half and I have received no response and the issue has not been addressed.