davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (CA)

I have not reached a resolution with US Bank. I have not been informed as to why US Bank allowed a merchant to debit my account for a return check fee. The merchant has laws it must abide by to collect its return check fees. Thus, the method used was not lawful and caused my account to become overdrawn. US Bank is not legally allowed to charge overdraft fees for electronic debits which US Bank charged me. The merchant never contacted me by letter to initiate payment of the fees, nor did US Bank follow its banking laws. In addition, US Bank charged me overdraft fees for items paid on XXXX/XXXX/2014. The items in which US Bank referred to in its letter dated XXXX/XXXX/2014 as unpaid were paid, yet US Bank charged me insufficient fund fees for each item paid. To my recollection the items debited my account on XXXX/XXXX/2015 and was paid on XXXX/XXXX/2014 leaving a balance of {$29.00}. Shortly thereafter, US Bank applied NSF fees to my account. I had paid the items and was still charged NSF fees which is not US Bank informed me of in a conversation regarding returned items. US Bank banking guidelines are not specific because it should state a specific time a customer has to pay NSF fees ( such as : XXXX hours, on the date of transaction, etc. ). Nonetheless, US Bank has been allowed to provide its customers with information not written under the banking laws guidelines. I am being XXXX thing or another and left to see what happens if I follow the information of its customer service online and phone representatives. This has cost me and I would like to have my money returned to me XXXX. I do not have any of my bank statements in question ; therefore, since US Bank has not a been able to come to a resolution that I agree with, I would like a copy of all bank statements from moths that my account had become overdrawn.
Consumer complaint received 2017-02-22
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: Duncan Solutions, lnc. (CA)

XXXX, I recieved a letter of unpaid debt collection in which i was not aware of till 2 days ago. i recieved a bill of {$75.00} in which I do not carry a XXXX account therefor, resolting in no use for the XXXX XXXX. I want to correct the violation mistake XXXX has caused.
Consumer complaint received 2022-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (VA)

Per my last complaint. My Chase Visa card was stolen from a gas station. Since I was not going anywhere much due to the pandemic, I didn't take my wallet out much. I noticed that I was getting weird charges from XXXX, I noticed 3 days later because I got a fraud alert text from Chase. I looked online, saw all sorts of activity on my card starting up right after the visit to the gas station. A couple of months later, I finally got through to customer service, went over all the charges that were made by whoever used a scanner to steal credit card number with over 10 charges, totaling just over {$2000.00} and within 48 hours they'd credited all those back to my account. All seemed fine. Then, about a week after that, they charged every one of those charges back to my account. I called in again and this time they told me they couldn't tell me anything about why, that only the fraud recovery team could talk to me, but that team wasn't taking any calls. My only option was to email the team email address. I emailed right away, but of course got nothing back except an autoresponder saying they've received the message and they'll call me if they want to talk. 
Another week goes by and then I get a letter in the mail. It says they've completed their review and " you are responsible for the following transactions, '' then lists all 10+ charges with the " reason '' column just saying " you received benefit from this transaction. '' The end of the letter says " if you have questions, please call me directly at XXXX, XXXX. XXXX. I'm here XXXX XXXX XXXX XXXX '' and it's signed " XXXX '' ( no last name ). It's frustrating enough that they expect me to believe that they have this specific individual available to take a call from me 75 hours a week, but what's far worse is if you call that number it just shuts you down completely. The message says " we can't talk to you right now, '' there is no opportunity to even try to hold for someone, it just tells you to email the same email where I've now written multiple times to no response, then hangs up. 
So now I'm just sitting and wondering if I have any chance at all to get this taken care of before my due date ( the 6th ), Im {$11000.00} in debt because of all the interest charges that they charged. When I talked to Chase previously they admitted that the XXXX XXXX  didnt match but, they had my card information and address. This happened a year ago. They asked me to call XXXX and have XXXX  SEND proof that my XXXX XXXX doesnt match. XXXX can not do that because they don't have a subpoena or request from CHASE to send this information. I did not have any charges from XX/XX/2021 to XX/XX/2021 on my XXXX XXXX. XXXX also said once they give the money back to the bank they do not come back for it. Those were deemed fraudulent on their end.
Consumer complaint received 2020-01-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BTH Management (DE)

I disputed this account awhile ago but still have not received anything I asked for to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I asked for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify? As per the fair credit reporting act section 609
Consumer complaint received 2017-01-03
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc (MA)

On XX/XX/XXXX around noon time I start seeing notifications on my email saying that funds were sent to a recipient I was not familiar with, I did n't buy anything from XXXX never heard his name. After few minutes another notification came in from a different recipient and eventually total of XXXX notifications from XXXX different people, within probably an hour time frame, total of XXXX {$1400.00} were stolen from my PayPal account. I opened a dispute with PayPal and they agreed to refund XXXX {$80.00} of the stolen funds. They closed all XXXX other dispute claims saying that the transactions were made from my home XXXX therefore it does n't count as an un-authorized transaction. I must add that between the XXXX and the XXXX transactions I went in to my paypal account and withdrew the rest of my balance just to try and stop the bleeding. Never the less, the last unauthorized transaction was done after I withdrew the money so Paypal charged my CC. 
Pay pal will not provide any proof of where the money was sent from, they say you need to have a court order in order for them to release the info. 

They said that since I withdrew my funds on the same time ( does n't it make sense to try and save what you have left? ) and from the same XXXX then obviously those were an authorized transactions. 
I called them XXXX minutes more XXXX less after the last transaction to ask them to block my account. It is not that I waited days XXXX weeks before I noticed. Still they could n't have done anything to stop the transactions. 
If PayPal claims that the transactions were made from my computer than why did they refund XXXX of the un-authorized transactions? 
My wife and I are PayPal members since XX/XX/XXXX, I do n't understand why PayPal did n't investigate to find that if money sent so frequently to different recipients, different amounts and currency, why it does n't raise a flag? 
My CC is immediately cancelled XXXX blocked whenever my CC provider sees irregular XXXX abnormal activity, I know I am covered. 
With PayPal I feel completely XXXX and frankly I am not sure how to prevent it from happening again Thanks XXXX XXXX
Consumer complaint received 2016-12-28
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TRANSWORLD SYSTEMS INC (MI)

The collection company did not send verification of debt and right to dispute. The address information they had on file was incorrect. Other collection agencies have deleted their accounts due to this ( attached is an example ), but this company does not want to abide by the federal laws. I have made several attempts to communicate this to them, but have been unsuccessful in receiving a requested call back in over 30 days now.
Consumer complaint received 2022-08-04
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. (AL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXAccount # : XXXX, XXXX XXXX ( XXXX ) -Account # : XXXX, XXXX XXXX XXXX XXXX-Account XXXX XXXX XXXX, XXXX XXXXXXXX XXXX-Account # : XXXX XXXX XXXXXXXX XXXX XXXX-Account # : XXXX, XXXXXXXX XXXX XXXX XXXX-Account # : XXXX, XXXX XXXX-Account # XXXX XXXX, XXXX XXXX-Account # : 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.
Consumer complaint received 2015-11-26
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SUNTRUST BANKS, INC. (GA)

This summer I order my wedding dress, customized. What I received was not even a dress. I disputed with merchant, shipped material back. Merchant refused refund and offered my XXXX % discount on next purchase instead, I refused. I filed complaint with Suntrust on XXXX/XXXX/2015. Suntrust gave temporary credit on XXXX/XXXX/2015. I was advised I would receive correspondence if they needed info and case would close in 60 days and the credit would be authorized if they found on my behalf and if not, I would be notified first. I never heard anything else from Suntrust. I tried several times to check status online but system was down for a long time. Suntrust emails me when anything goes on, so since I received no emails- I figured we were good. 60 days passed ... XX/XX/XXXX. I assumed as I had been told that the credit was no longer " provisional ''. Suntrust waited until 2 days before XXXX to do the reversal, wiping my account clean so I could not buy XXXX dinner- WITH NO NOTICE OR CONTACT. Then I encountered several NSF fees. They claim the reason for the reversal was because the merchant claimed to offer a full refund and I refused. That makes no sense. Had they offered, I would have accepted! They offered only discounts for future purchases. But, Suntrust- instead of contacting me and asking for email correspondence ( which I have still ) or photos of my wedding to prove I did not wear their product ( which I also have ) or proof the full refund was never offered ( again, email chain ) ... Suntrust wiped out my bank account after the 60 day period and raked up NSF charges galore and kept my direct deposit from my payroll check. So, here my family and I will sit on XXXX eating cereal or sandwiches ( because my bank account is in the negative and we could not buy things for a XXXX meal ). I have made several attempts with Suntrust agents to get them to understand that I did not overdraw my account. That I received no correspondence. I have all my emails from Suntrust. The last thing I received from their claims department was the claim form. 
I would highly advise anyone searching for a bank, to not go to Suntrust. After this experience, I will be changing banks asap. They care nothing about their customers. The fact that they waited until two days before XXXX ( past the 60 day time frame ) when I had several pending transactions ( which resulted in NSFs ) to reverse a valid claim ... tells me just how much they DO N'T care.
Consumer complaint received 2015-05-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (NC)

I was behind in my mortgage with SunTrust Bank so I filed for a modification on my mortgage, Instead of lowering my payments they have raised it considerably. If I am a day late they make me start over and charge me to do so. my payments use to be in the {$600.00} range and now its in the {$800.00} 's. I feel that they are taking advantage of people that are having a hard time making payments. I am struggling with this payment.
Consumer complaint received 2023-04-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NC)

On XX/XX/XXXX my information was shared with someone not associated with the home nor account in reference to possible foreclosure. This has caused me stress and serious embarrassment I submitted updated deed last year before the modification I thought was coming from Mr. Cooper comes to find out I have a 2nd mortgage with HUD in which I was unaware of. On XXXX XXXX I was behind on my mortgage and Mr. Cooper offered me a modification I sign the paperwork thinking the amount owed would be put to the rear of my loan not realizing they had got a loan for me from HUD and did not put one time towards my principal, all funds went to escrow and interest in amounts that has not even been incurred yet. When I asked I was informed that's how they had to process it to receive the payment. I feel like the modification was not fully explained and the money went to the mortgage company fro monies that was not even owed that's not right and I need justice. I also would like address a partial payment in the amount of {$1000.00} that was never applied to my account nor refunded to me XX/XX/XXXX.
Consumer complaint received 2016-09-13
Product: Credit card — 
Issue: Delinquent account — 
Company: U.S. BANCORP (NV)

I had a Fidelity XXXX issued by XXXX XXXX XXXX. It was closed out with a balance XX/XX/XXXX. I was making payments faithfully since then. Fidelity then closed out their agreement with XXXX XXXX XXXX XX/XX/XXXX. I received no notice of this. 
The account was sold to Elan Financial Services XX/XX/XXXX. They claim to have called me repeatedly regarding the overdue amount, but my cell phone records indicate no such calls or voice mails received. I also never received any letters from them stating they would report me as delinquent to the credit bureaus. 
As of today, a " 60 day past due '' indicator showed up on all XXXX credit reports. In violation of the FRCA, I was never notified of any past due amount, nor their intent to report the deliquency to the bureaus. 
I travel for a living and need to be able to rent cars. While I know you can use a debit card for this purpose, it 's harder.
Consumer complaint received 2015-09-09
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (NY)

US BANK has been unwilling to work with me to modify my loan. I have consistently submitted all documents requested since XXXX 2014, with no avail.They constantly lose docments I fax, send correspondence from all over the US. No one can never give me the status and says its in underwriting or in process.THIS IS STILL CONTINUING to this day.
Consumer complaint received 2015-10-28
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL (UT)

XX/XX/XXXXWe opened our account a few years ago with Walmart. We paid consistently on our account until we lost our house XX/XX/XXXX. We made contact with the credit card company ( synchrony bank ) and they said there was noting that they could help us with unless I had lost my Job. They called our house several times a day/night and would leave messages on our voice mail almost every time, they would also call my cell phone multiple times a day and leave messages on it. We started to get things back on track, then my father passed away XX/XX/XXXX, again we made contact with them and again they said there was nothing they could do unless I had lost my job, even with the insurance that I paid for that the credit card company provided. Again the calls continued 2, 3, and 4 times a day at my home and on my cell phone. We told them to stop calling us and harassing us and they ignored us. We then received a letter from the credit company saying that they needed payment or that they were going to take us to court. We agreed to pay {$25.00} a month. Then we received a court notice saying that they needed a letter, explaining in written what we owed with in 21 days. I guess that the card company does not keep agreements that they say they 're going to keep. I have learned that there is a government agency that helps consumers with companies that abuse Federal Regulations such as the Dodd-Frank, The FDCPA, The FTC, The TCPA and The TILA called the Consumer Financial Protection Bureau. This letter is also being sent to them XXXX. 
Consumers should not feel threatened by big companies calling multiple times a day and that have XXXX Attorneys to intimidate the little people. We agreed to pay {$25.00} a month on our account of {$1300.00} and that 's what we 're going to pay.
Consumer complaint received 2015-07-12
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL (NY)

I made a {$900.00} purchase using my care credit card. I was granted 12 months of interest free payments for that transaction. Once that promotion ends, I would be charged 26.9 % on the remaining balance. During the course of the year, synchrony bank took over Care Credit. On XX/XX/XXXX, my balance was down to {$350.00}. This company charged me 26 % on the original balance which is not on the terms I agreed to when I first joined this company as Care Credit. I contacted Synchrony and the rep told me that she could n't tell me my new interest rate/agreement. I told her this was deceptive as I had not signed these terms nor agreed to them.
Consumer complaint received 2016-06-14
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL (AL)

We opened an account through XXXX XXXX and were told it was XXXX months same as cash. We set up an automatic payment that was more than enough to pay off the account in less than 18 months. My wife checked the account balance shortly before the XXXX months was up and paid what would remain after the following automatic payment of {$200.00} to close out the balance. 

XXXX months later, we received a statement that we owed {$29.00} and were late. The minimum payment was {$2.00}. The first business day after receiving this notice, I called and explained the situation to the man that answered the phone. They immediately credited the {$29.00} and I told them that my wife would contact them when she had more time to address the interest issue. He took my wife 's name and told me she would be able to discuss anything with them. 

Then today, we saw that they reported us to the credit bureaus as a 30 day late of {$2.00}. We had never received any other notice but the one that arrived last week. They claim to have called and emailed, but neither has happened. The manager that my wife spoke to today, after XXXX phone calls to have her authorized on the account because they did n't do that correctly yesterday, claimed that they had mailed us notices. When my wife asked where they mailed them, she told her that she could n't provide that information. She could n't tell us our own address? 

She also falsely claimed that our account had n't been paid consistently, even though the exact same payment amount had been applied every month that the account was open until the last payment was made. 

They refused to do anything at all to remedy this for us.
Consumer complaint received 2016-09-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Student Assist Plus LLC (MS)

I spoke with XXXX XXXX at XXXX Loan Consolidation on XXXX XXXX, 2015. He assured me that once I went through the process and paid {$590.00} to consolidate my loans, they would pay my loans off. I would pay $ XXXX/month. I have been paying since XXXX 2015 and contacted XXXX to discuss my total loan amount that I saw on their website. It was {$2000.00} more than my initial amount and they told me that my loans had not been paid since XXXX 2015.
Consumer complaint received 2017-02-15
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (WA)

I received a XXXX from Synchrony Bank for a PayPal credit card. The XXXX stated the identifiable code for the cancellation of debt was " G '', which is " Decision or policy to discontinue collection. '' Due to this, I submitted a request to XXXX to remove this account from my credit report, they did not. I am requesting that this account is removed from all of my credit reports due to the fact that Synchrony Bank is discontinuing collection, issued me a XXXX and I am now liable for the amount of debt discharged on my taxes. The continued reporting of this account on any of my credit reports is not accurate.
Consumer complaint received 2016-07-12
Product: Credit card — 
Issue: Credit determination — 
Company: BARCLAYS BANK DELAWARE (CA)

I was denied a Barclay XXXX Credit card. my credit score is XXXX. I have another Barclaycard for William Sonoma. I have always paid the credit card bill on time. My male partner was immediately approved and his credit score is XXXX. XXXX 's asked me to send a copy of my utility bill and my tax return. I did and was denied again. I called and they said the concern was not my credit rating but that they have a lot of fraud. They asked me to send a copy of my Social Security card and my drivers license. I told him enough is enough. I think I am being treated differently because I am a woman and I think the request for personal information is excessive. i 'm feeling harassed. Reference # XXXX
Consumer complaint received 2022-10-01
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. (CA)

When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-08-30
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (TX)

Had trouble with JC Penny account charge and wanted to see if credit had been issued. Transferred back and forth between JCP.com and Synchrony Bank. After XXXX hours I got issued resolved but in process they closed my account and said that I had requested it. I said no that while being transferred/disconnected and reconnecting I punched the # XXXX on auto dial in and that led to closing of account. They did not believe me said they would research but would no reinstate my account. I would like to file a formal complaint against Synchrony Bank and the supervisor XXXX # XXXX