davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: SUNTRUST BANKS, INC. (GA)

I withdrew cash from a non-SunTrust ATM in XXXX, XXXX from my CHECKING account and was charged {$3.00} by the non-SunTrust ATM for a balance inquiry for my SAVINGS account. I never performed an inquiry for the balance of my savings account. The non SunTrust ATM charged a fraudulent fee to my Savings Account in the amount of {$3.00}. I would like for the CFPB to perform an investigation to determine how how the non-SunTrust ATM was allowed to charge me for a service I did not request. I would also like for the CFPB to perform an investigation to determine why SunTrust allowed the non-SunTrust ATM to deduct a fee from my savings account when the fee was fraudulent.
Consumer complaint received 2019-05-12
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. (MO)

My identity has been compromised and so has my credit data, and the only way to understand my true credit worthiness is to dispute the following accounts inwhich is not mines, 1 ) XXXX XXXX {$3200.00} 2 ) XXXX XXXX {$1700.00} And as a resident/ consumer of Missouri and in pursuant to FCRA 611 ( a ), a consumer credit reporting agency who improperly obtain access to a file knowingly misuses file data, or fails to correct inaccurate file data can cause a civil action against themselves via credit reporting agencies. 
I have also requested for certified physical documentation, or as written within the laws of the FCRA these accounts shall be blocked immediately.
Consumer complaint received 2017-11-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (CA)

On XXXX/XXXX/XXXX my account was overdrawn while I was very ill. I hadnt noticed this until XXXX when I replenished my account and also out of the hospital. I can not afford the overdraft fee and while I tried to explain my circumstances to a phone banker, she refused to take my illness as an excuse. I fully understand US Banks overdraft policy, however I believe {$36.00} is extremely egregious. Overdraft fees effect low income individuals the most, so such an expensive fee is very taxing on individuals at that income level. I dont think its fair that such a high fee can be assessed, without any room for budging for difficult life circumstances. To US Bank : life happens to everyday people, and to profit so greedily when your customers are literally in the most financially difficult time ( and in my case, most difficult medical time ) is both upsetting and deeply difficult to handle. I can not afford these fees, you are profitting tremendously, and your lack of human compassion is extremely troubling.
Consumer complaint received 2017-11-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (SC)

On XX/XX/XXXX, 2017 sent by wire transfer $XXXXX to Coinbase's bank, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX.

I printed the Deposit USD form with all the appropriate information, took it to my banks so that they could perform the wire transfer. I have this form in my possession as well as receipt from the bank documenting the transaction.

I have in my possession the Fed IMAD wire number that documents this transaction. I provided this to Coinbase.

My legal name on the bank account matches my legal name given to Coinbase.

In Coinbase's instructions on their website, I was assured that this was the fastest way to fund my account and that funds would be credited when received.

Four days later, after numerous attempts to contact their Customer Service department by their web form and by telephone call, the only information that I can get is that my case has been "escalated" and that I should here from a "specialist" in the coming WEEKS! Yes, weeks.

The following information is currently posted on their Customer Service page in reference to my issue:

"XXXX XXXX
Consumer complaint received 2017-11-06
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 — Problem with personal statement of dispute
Company: Navient Solutions, LLC. (MA)

The problem is with Navient for my student loans. I was granted a deference a couple of years ago, but Navient still reported to all XXXX credit reporting bureaus XXXX XXXX XXXX XXXX, etc. ) that I defaulted or missed payments on my loan. 

I had worked with XXXX and others and I sent multiple letters to Navient, but they told me there was nothing that they could due for my credit rating. 

I am in excellent standing and I just ask for a short-term stay while I got a job ( which I did and still do ). 

This credit rating is ruining my credit and I can not get a loan on a new home at a low rate. 

I have attached a document from Navient with all the information.
Consumer complaint received 2019-05-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (WA)

I hired an attorney to file an application for garnishment and writ of garnishment pursuant to a Judgement I received against XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX for {$1100.00} on XX/XX/XXXX. These garnishment papers were sent to PNC Bank , National Association in XXXX, PA attn XXXX XXXX, Branch Manager on or about XX/XX/XXXX. This Bank returned notice to my attorney stating that the account number and name of the account did not match the FEIN we furnished them. The name on the check drawn on this PNC account is clearly stated as XXXX XXXX XXXX XXXX, XXXX and below it the words " A wholly owned subsidiary of XXXX XXXX '' The only other name on the check is XXXX, which is not a business but the name of the US Defense Department Health Care program and could therefore not possibly be the name on the account. My attorney instructed the branch manager to process the garnishment with the account number attached to the following possible FEIN 's as provide by a private investigator : XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX There should not be a problem processing the garnishment unless the name on the check does not match the name on the account. If that is the case then the name on the check is a misrepresntation and therefore should not be allowed by the bank. My complaint is that the bank is allowing XXXX XXXX XXXX XXXX, XXXX and or XXXX XXXX to have an account with checks that do not correctly state the name of the account holder, therefore making garnishment impossible. Either that is the case or this bank is giving me incorrect information in an attempt to protect their account holder and prevent the garnishment. In either case this would most likely be a violation of banking regulations.
Consumer complaint received 2020-04-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (IN)

Since the COVID19 pandemic, we explored our options with this company to help alleviate the stress of paying our mortgage. My husband applied for a forbearance plan and was approved, according to LoanCare. We have called several times because we keep getting loss mitigation letters in the mail. We have yet to receive anything confirming the plan. They claim that we will get something soon. They seem to be in a rush to damage our credit but not in a rush to send out the forbearance approval letter.
Consumer complaint received 2017-11-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (MN)

On XXXX/XXXX/XXXX a letter was sent out to me advising me that I was denied a loan modification. The letter stated that I was evaluated for mortgage payment assistance based on eligibility requirements of Fannie Mae. I wasnt told which options were reviewed and I was not told which eligibility requirements I didnt meet. My HUD approved Housing XXXX called Loan Care at XXXX on XXXX/XXXX/XXXX to discuss the evaluation of my mortgage foreclosure alternatives as XXXX XXXX advised we do on the denial letter. Upon calling the XXXX XXXXXXXX spoke with XXXX XXXX ID # XXXX, whom said that she didnt see why exactly the loan was denied for a modification. She said that she would have to have the underwriter call the XXXX XXXX back with an explanation. 
On XXXX/XXXX/XXXX my XXXX XXXXXXXX called back, as she had not heard back from the underwriter. She called the loss mitigation number listed on the denial letter of XXXX, which is supposed to be a dedicated Loss XXXX XXXX line. However, the line was somehow routed to customer service, which then was routed to who knows where and the XXXX spoke with XXXX XXXX # XXXX. XXXX stated at first that she wasnt sure why it was denied either, but upon further investigation she stated it was denied because the financials didnt match up. She said that possibly my bank statements didnt match up with my expense statement, but again could/would not actually confirm if what she was telling my XXXX was the actual reason for denial or her assumptions. She said that the income listed on the XXXX was less than what they calculated, but she could/would not tell the XXXX XXXX XXXXXXXX what or how my income was calculated. As things escalated with XXXX she stated that she didnt need to tell my XXXX XXXXXXXX why it was denied at all. XXXX stated if we didnt agree with the denial that we should write an appeal letter stating that we appeal the denial. She said it doesnt matter why we dont agree with the denial, just that we dont agree. She said that it would then be reviewed again. 
The issue I have is that I was not given a proper list of what XXXX XXXX options were reviewed or why I was denied these options. I was told to just appeal the denial even if I dont know why I am denied. I will write an appeal, but I dont even know what my reason is for appealing. I dont know what barriers I need to overcome, if any, to qualify for a loss mitigation option.
Consumer complaint received 2015-09-05
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Portland Credit Inc (WA)

the year of XXXX? I was buying a car from XXXX XXXX XXXX. The cost was {$15.00}. The car was repro. Sold at auction for {$3000.00}. Portland Credit, INC and XXXX XXXX, is garnishing my paycheck. They have taken over {$20.00} from me. I am a father of XXXX children, this is a hardship on my family. If they have taken, over {$20.00}, they should give me a car worth the amount they taken from me. I do not have the car! They keep resubmitting the same paperwork threw the court, and they never show, how much they have taken from me.
Consumer complaint received 2017-11-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MA)

XXXX XXXX, XXXX my loans were consolidated incorrectly. I applied in XXXX to consolidate specific loans, leaving out the XXXX loans I had because with my profession I was eligible for deferment and cancellation of those loans, so it made no sense to consolidate them. This consolidation was processed incorrectly by Navient, they ended up consolidating all of my federal loans together, including my perkins loans which I noticed as soon as I got the paperwork for the consolidation. I immediately contacted them and told them the consolidation was incorrect and they made an error. They accused me of having submitted XXXX application with all of my loans on it despite my documentation of the typed applications I submitted, with the additional form for loans NOT to consolidate, to make it crystal clear what I wanted done and which loans to leave out XXXX XXXX XXXX. Finally after I submitted my first complaint to CFPB I was sent an email by Navient XXXX/XXXX/XXXX saying they had approved my request to unconsolidate the XXXX loans. This once again gained no ground for another 3 months. XXXX XXXX XXXX and Navient were both telling me it was the others fault and that both were waiting for a return of funds from the other company. Meanwhile, my loans, including my XXXX loans, are accruing interest fraudulently. Due to my expectation to apply for deferment and eventual cancellation of my XXXX loans, I would never pay interest or principal payments on those loans ( reference XXXX Request for Cancellation of Deferment prior to Cancellation through XXXX  XXXX XXXX XXXX. Most recent update was XXXX XXXX, XXXX, I received an email from XXXX XXXX XXXX that a consolidation statement was available for viewing. Upon logging in I see a XXXX $ loan balance, plus XXXX $ of interest already accrued. Navient, who 's consolidated loan should now be {$2000.00} less if this was correctly processed, is still showing the same loan balance and accruing interest. After contacting Navient they are confused as to why XXXX is showing a loan balance if they have not received any money, for which they were unable to locate during our 20minute conversation and communication with a supervisor. So outside of the YEAR of interest my XXXX XXXX were accruing after they were fraudulently consolidated in XXXX XXXX, I am now accruing interest through University XXXX XXXX on {$2000.00} as well as whatever the {$2000.00} plus compounded interest and still are for the loan as part of the large consolidated loan at Navient. This should never have been consolidated, never accrued interest, and never have been exchanged back to UAS without communication to me, the affected and responsible financial party.
Consumer complaint received 2017-11-06
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc (CA)

I returned an item that I purchased from XXXX XXXX XXXX, online, in XXXX 2017. I mailed the item back via USPS using XXXX return lable. They claim to have furnished me a refund through PayPal. Paypal claims they never received a refund from XXXX, to post to my account. I’ve been waiting for  MY refund since XXXX 2017 and have received little to NO HELP from either companies.  WHERE IS MY REFUND!?
Consumer complaint received 2017-11-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (PA)

I have sent Loan Care my mortgage company several request to properly adjust my escrow account and to stop collecting taxes in which I am 100 % percent exempt from paying.

I have explained to Loan Care that the tax information concerning my home is in fact stated clearly on the XXXX county XXXX  website. So that all they have to do is go to the website or call the XXXX County PA tax department and ask the tax adjusteXXXX for the tax information concerning my home. 

Loan Care has refused to consider any documentation that I have sent them and they have decided to collect taxes from my escrow account that I do not owe to the county. 

Loan Care told me over the phone that XXXX County of PA submitted a tax bill to them requesting XXXX. This is not true. Loan Care also told me that they are required to pay this tax amount twice a year. This is not true also.

I have explained to Loan Care that the only tax amount that is due is XXXX to the XXXX XXXX XXXX once a year on XXXX XXXX. 

I am asking that Loan Care collect the proper amount of taxes from my account and to adjust my escrow account accordingly. 

Also, I am asking that Loan Care stop connecting me with people over the phone that do n't know anything about an escrow analysis and tax collection.
Consumer complaint received 2017-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

I am starting a new complaint because I did not include enough documentation and receipts in my original complaint and Chase Cardmember Services accepted the challenge by the merchant stating the merchant provided documentation ... which advises that the services were rendered as they should have been and no credit is due you. 

The contract for service was signed with XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX 's license to do business in California as a " Contractor '' expired on XX/XX/XXXX BEFORE he completed the job.. XXXX XXXX XXXX XXXX did not follow the California laws regarding downpayments and progress payments. He never provided an invoice for the payment he demanded to my corporation, XXXX XXXX. He provided a statement of the services he rendered and the amount due him ONLY to Chase Cardmember Services and this was provided 3 months after his license had expired. The statement of amount owed him was higher than the contracted price. His invoice did not match the agreed upon amounts and he failed to provide XXXX XXXX with Extra Work and/or Change Orders for XXXX XXXX 's approval.
Consumer complaint received 2017-11-05
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)

I have XXXX collection accounts which are unfairly reporting on XXXX, XXXX AND EQUIFAX credit reports.Both collection accounts had previously been addressed with the original creditor at the time of the problem and dispute of the debt with the original creditor. 
The first one XXXX, account number XXXX, is a collection for XXXX, the original creditor.At the time of the problem I contacted XXXX regarding numerous unauthorized charges.It appeared that someone was using my phone without my permission.In contacting XXXX multiple times to resolve the problem, XXXX kept escalating my calls to higher authority but each time finally keeping me on hold indefinitely without answering or addressing the issue.Finally I gave up because it seemed XXXX could n't or would not address the issue. 
The second account XXXX, account number XXXX is a collector for XXXX, the original creditor.I had a situation where my phone bill escalated dramatically with unauthorized charges.In a dispute with XXXX on the phone they could not explain or identify why my bill which had remained constant had now trebled. 
After notice without resolution, XXXX continued the charges and continued billing for them monthly escalating the bill.
Consumer complaint received 2017-11-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Apelles, LLC (CT)

I moved homes in XXXX and called XXXX to install an alarm system. The salesman came to my home and sold me an alarm. It was installed by replacing the exisitng alarm control panels with XXXX panels a few weeks later. I had signed a 2 year contract for montoring for a total of {$1100.00} paid monthly. After a few weeks.of use my wife came home and opened the front door and we found the alarm never worked when she open the door, as typically we came through the garage entrance. We contacted XXXX and they sent us an engineer who told us that the sensors in the front door werent working and we need to have then rewired. When the engineer checked the rest of the home and he told use that the whole house need to be rewired the alarm to work. The XXXX salesman came our house again and told us we would need to.spend a further {$2200.00} for wiring with fronts, side, patio, garages doors and window sensors. We complained that this should have been expalined ahead us signing the contract and so they sent us a 2nd senior sales manager to our home. He agreed that XXXX engineers couldnt have tested the alarm system on the initial visit and said he would discount the sensors and wiring to {$1700.00}. We respectfully declined the offer given we had all the expenses of moving to a new home. He told us that he would have the contract cancelled and apologized for the issue. A few months later we started to recieve bills from XXXX for alarm monitoring and we called several times giving our explanation and were told someone would be back in contact. Many calls and bills later, we found out that Sales Manager had left XXXX. Eventially we were presented with a demand for the 2 year montoring fee in full. We tried to raise this within XXXX but there customer service team has 1 escaltion route to another team that has no discretion, no power and simply stated we " signed '' a contract. XXXX passed this to Apelles LLC debt collection in XXXX after 4 yearrs of disputing the demands. Apelles were initally understanding of our postion, which we disputed within 30 days of them contacting us, and then we found they had registered a debt against us. Today, 4 years on, we still have the alarm system in place as originally installed by XXXX, still not working as proof of how they left us. Extremely frustrated at how companies like XXXX are allowed to treat customers with such lack of care and no mechansim to get to Senior people who would be able to listen and hear. Shame on you XXXX.
Consumer complaint received 2023-02-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2023, I deposited my XXXX Pension check into my Chase bank account. The teller informed me that the check needed to be sent for collection. I asked her why since I deposited at least 36 of these checks, and they did not need to be sent for collection. Her response was the computer told her. ( By the way, I deposited at least three more checks after this date. ) I was puzzled, and the teller said it would be deposited the next day or week. The check was not deposited the following week. I called the 1800 number on the forms, but I was waiting for someone to pick up the phone. I went to the branch, and they tried to reach the same number, and no one responded to the line. 
I sought help from Chase bank management, but they were no help. 

On XX/XX/XXXX, my check was deposited, but a collection fee of {$110.00} was charged. I asked my banker for help since I was never charged for the deposit of my pension check. He said he " notified the banker and branch manager at the branch at XXXX XXXX XXXX about your situation, and they assured me that they will look into it and notify you once they have received some answers or a solution. '' I received a voicemail from XXXX XXXX XXXX from the local branch asking to call back. I left three voicemails and have yet to receive a response.