davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-02
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC. (FL)

We had a line of credit with Suntrust Bank in 2005 for {$140.00} and we refinance our house to paid off the line of credit, we sent the payment to Suntrust, but we still getting charge for {$140.00},, please help me. 
Thank you XXXX
Consumer complaint received 2016-07-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (NC)

I have information with evidence that Suntrust Bank has a program that is being used to generate " Overdraft Fees '' in accounts that are not in the negative. They have been using this program for at least XXXX months. The program creates a " phantom '' charge which is equal to the amount in the account. This charge while not actually taking the money out of the account, fools the banking system into creating Overdraft Fees on all pending charges.This is why so many people who bank with them complain about having overdraft fees when they have plenty of money in their account. I know this is a intentional made program because it does not show up on local branch computers or on the PC/Laptop site websites. I am contacting all major Media outlets with this information. 
The Phantom charge says it is paying a bill to the account holder. No money leaves the account. This charge has no ACH reference number or place of origin, meaning that this charge is being created by Suntrust. A member of their legal team ( Who stated she was a customer relations expert ) contacted me to try and get me to release all my evidence to her. When I only gave her enough to prove my point, she said she would contact me the next day but, did not.
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. (GA)

Upon reviewing my updates, incorrect information are being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified inquiries without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-05-18
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (NY)

( 1 ) Seller sold ( FHA Loan ) home without a C/0 Certificate of occupancy. It state in the contract that the home should have a C/O by the closing date. my lawyer stated that home had a c/o ( not true ). Is been 3 yrs since i bought the property located at XXXX XXXX XXXX XXXX NY XXXX. Purchased XXXX/XXXX/2012 by seller XXXX XXXX XXXX ( owner XXXX XXXX ) located XXXX ny XXXX phone XXXX Sellers Attorney : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Tel. : XXXX. The lawyer representing me was XXXX of XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, NY XXXX Phone : XXXX Fax : XXXX. XXXX XXXX XXXX was suspended for fraud. This lawyer was working with the seller to commit fraud against me. 

From my understanding an FHA loan requires a home to have a C/o in order to approve the sale. 
This sale was fraudulent in every way. Many things were promised and presented that were not accurate or true. 

i was given a roof warrantee that was not honored. Home basement has a flooding problem. Hazardous
Consumer complaint received 2015-12-21
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (MA)

I accidentally left a check made out to myself inside of a rental car. Reported it promptly to Chase, and even though it was made out to myself, and had a forged endorsement, Chase and the depositing bank allowed it to be cashed by the scammer. 

Chase closed the investigation, within a week, BEFORE processing my affidavit or even attempting to investigate, due to " Lack of Care '' on my end because I left the check somewhere. The police department assigned a Detective who is actively looking for a suspect, and wants to prosecute, yet Chase just dismissed the claim, even though it clearly is a case of check fraud, and I reported it to Chase the same day I realized the check was missing.
Consumer complaint received 2016-02-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (TX)

I have a mortgage with chase. I 've have been foreclosed on twice now by chase for them making mistakes on my escrow account. Paid over {$28000.00} to get my house back for first time, and two months into payment they said I owed {$13000.00} more and had to be paid immediately or they would proceed with foreclosing process again. I 've been going back and fourth with chase bank for over 5 years now.
Consumer complaint received 2017-03-14
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/2017 I found on XXXX good offer for high quality XXXX. I contacted the company and received much higher price, but I accepted this offer. After I received invoice on XX/XX/XXXX, I paid by wire transfer $ XXXX kilogram plus {$50.00} for shipping. However, when I received this package it weight total only XXXX grams, and inside envelope weight XXXX grams. inside are documents with information that they send XXXX grams silica powder. I complained it, and they send me email that I received what I paid. 
After that I searched on Internet and found that many people where cheated by them. 
On XX/XX/XXXX, I was in Chase bank and asked for help. The banker opened claim number : XXXX and promised me that they will act in this case and will try to reverse my money within about three days. Unfortunately, to this day did nothing in this cheat.
Consumer complaint received 2017-02-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (MD)

Below is the original letter that was sent : XXXX XXXX, XXXX Dear Navient Claims Department, My name is XXXX and I am writing a letter concerning my Account. Enclosed is information concerning Loan XXXX ( XXXX, {$5500.00} ) on my account. After a phone conversation with Navient on XXXX XXXX, XXXX, a research request was sent in to determine fees that I was overcharged during the duration of my loan. On XXXX XXXX, XXXX a response to that request was given and I was asked to prove in school deferment during the period of XXXX. Enclosed is enrollment verification from XXXX institutions proving half-time enrollment during the specified semesters. Please contact me regarding this matter. 
Sincerely,
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MN)

I have a large college loan through Navient. When I came upon financial hardships, they never offered me a re-payment option. Instead, I was told that I could put it off and if I was lucky, I would n't have to pay for 25 years and could just write it off on my taxes. Needless to say, there would be a huge penalty for doing that. 
Nobody has ever tried to assist me on this, the information was not presented in a clear manner and I am frustrated. 
I feel as though the company is only interested in how much money they can earn from my hardships.
Consumer complaint received 2017-03-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (OH)

I filed a CFPB complaint around XXXX weeks ago. Since then, my loan servicer Navient, has sent my account to collections. I have n't received any calls in almost 2 years from any collections or Navient in regards to this until I filed with the CFPB. I feel they are sending the account to collections now in retaliation.
Consumer complaint received 2017-01-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (OH)

XXXX ( now Navient ) is my original lender for XXXX PRIVATE student loans taken out between XXXX. I have been trying for over a month to get in contact with someone, anyone, there. I would like a copy of my original promissory notes and all loan documents for all XXXX of the loans mentioned above. You ca n't get ahold of anyone, I 've left messages on their " customer service '' line, I 've even tried calling another number I 've had saved from when I was on a repayment plan with them years ago, no luck. I frankly do n't even know who " owns '' my loan at this point because it 's been passed around so much. They are the original lender, I still can log in to an account, and they are sure as XXXX still showing all my loans with past due balances even though I 'm getting calls from another shady sounding company claiming to be in control of my student loans now. I just would like copies of all of my original loan documents, which the lender should be able to produce. Yes, my loans are past due, probably in default by now, but that does n't give them the right to flat out ignore me. If they would offer any kind of customer service, repayment options, etc, I probably would n't be where I 'm at - but that 's a whole other issue. I just want all my loan documents for all XXXX loans they report to my credit every single month. And some kind of tracking number for the package ( if they even can produce the documents ) - because their " word '' is XXXX in my experience.
Consumer complaint received 2017-02-10
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (CA)

Navient failed to provide alternative methods to paying student loan especially based on earned income. I asked for forbearance and was told I had to pay {$150.00} to keep my payment options current. I also informed Navient that I had recently graduated in XXXX 2016 and if they offered a grace period or any alternative payment options. Navient denied having any other payment options other than paying the amount owed.
Consumer complaint received 2016-09-29
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (OK)

Navient will not lower my student loan payment and I just can not afford the amount. They make comments on the loan and it has dropped my credit score. I have not missed a payment, or been over 30 days late, but paying the amount they want each month means almost not being able to eat and can never be payed on the exact date because I have to break it up into different payments.
Consumer complaint received 2017-02-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (WA)

I received a student loan in XX/XX/2010 with XXXX XXXX, which was sold to the current company Navient. I 've been in contact with them every month while in school, however I checked my credit and it appears that they have been reporting late to credit bureaus. I also asked them if I can be placed on an income driven repayment plan and they said that was not an option. My loan was taken out for school, I had to verify my enrollment before receiving the loan from XXXX XXXX. After I graduated, Navient told me I must begin paying although I was not employed. I pleaded to receive a income repayment plan but to no avail.
Consumer complaint received 2017-01-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MN)

To whom this may concern, I left school XX/XX/XXXX and have been on income based payment until XX/XX/XXXX which each year has been a challenge to gain income based payment plan. The reason I wanted income based was because my many other loans I had and also was not able to make my rent payment and other nassesities I had with such a high payment. Originally I was through XXXX XXXX and once moved to Naviant things have been very discouraging. I was set up on automatic payment and their systems would drop my card on file multiple times ( at least 4 times ) this would lead to collectors starting to call my consigner and then I would hear from my cosigner multiple moths later. This has effected by credit report because they say I have multiple late payments by XXXX and 120 days which also has effected me getting a mortgage XX/XX/XXXX. Still today I 'm in the process of sending multiple letters to the XXXX credit breuaus and each time Naviant has reported back to the breuau that information was correct. Dealing with Naviant is some of the most frustrating company I have ever experienced, every phone call I would make to fix an error on their end would be an hour phone call. One of my loans had a 9 % interest rate at a {$18000.00} balance, just paying the interest over the years would n't lower my original balance. Until recently I have a better job and have paid this off but still have a loan with Naviant today and have to call and make the payment over the phone because I ca n't trust them to set me up with automatic payment. If you file for a court action I have multiple examples and if you look into my account I 'm sure you will find abuse and we 'll as negligence on their end. As a consumer I feel helpless trying to argue with such a big company. The loan I have through Naviant is a private student loan which they treat very badly because they tell you I 'm under different rules than fed loans. I 've dumped tens or thousands of dollars to Naviant and hope there is something I can do to stop their poor practices.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MD)

I have XXXX private loans, initially thru XXXX XXXX, and now those loans are serviced by Navient.Since the loans became due ( XX/XX/XXXX ) monthly payments have been made.When the loans were serviced thru XXXX XXXX a lower interest rate was negotiated which helped lower the monthly payments for 1 year. Since Navient took over they will not work with me to lower the interest rates ( 6 % & 8.125 % ). Since XX/XX/XXXX, Navient has also allied the total monthly payment to interest on the loan with 8.125 % rate. When I contacted Navient I was told the payment were applied to capitalized interest. When I go back thru the history of the loan, 'capitalized interest ' has alway sheen a line item in the detail, but there is no line item in the history which states capitalized interest for {$3800.00}. To date, they have applied {$3500.00} to interest and {$0.00} to principal. The payment for the 6 % loan has always been applied to both principal & interest. I filed an initial complaint thru CFPB back in XX/XX/XXXX, and received a call from XXXX XXXX of Navient, returned his call 5 times but always got voicemail. On XX/XX/XXXX I spoke with XXXX at Navient Customer Service, and she said Navient would investigate and send a letter out with resolution. To date, no letter has been received. I also contacted the Maryland States Attorney General 's Office but they could not help and referred my correspondence to CFPB, which I have had no reply. With my {$280.00} Navient payment of XX/XX/XXXX, {$61.00} has been applied to principal and {$220.00} to interest. But there has been no correction or resolution to the {$3800.00} total payments applied only to interest. I am repaying these loans in good faith, and I want the appropriate portion applied to principal.
Consumer complaint received 2016-07-21
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: E*TRADE BANK (WA)

On XXXX XXXX, 2016 I issued an electronic payment from my E*Trade checking account in the amount of {$2700.00} to XXXX XXXX by mistake. This payment was delivered to XXXX on XXXX XXXX, 2016. E*Trade confirmed this was delivered to XXXX. I am attempting to have it refunded. 

I have spent hours on the phone talking with XXXX service agents and the results have been a complete dead end. My account with XXXX is no longer active. It was discontinued at least 8 years ago but I failed to remove XXXX from my payee list. They could find no record of my old account no. XXXX. They could find no record of my name. They could find no record of my old phone no. ( XXXX ) under XXXX. They apparently have no idea of where to look for this payment or who to refer me to for help. The various departments I talked to did consult their supervisors and they were no help either. 

This payment was labeled with my old account no. and my name. 

I also contacted customer support by e-mail. This is their reply ; " Thank you for contacting Internet Technical Support. 

Unfortunately we can not assist with this problem further via email correspondence. Please call Customer Service at : XXXX, so we can take the appropriate corrective action to address the issue. 

I recommend getting supervisor to assist you, as maybe able to dig into this on your behalf. '' Sincerely, XXXX XXXX.
Consumer complaint received 2016-05-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: COLLECTIONS USA, INC. (CA)

This debt was from an apartment complex I used to live in. When I moved out they wanted to charge me XXXX dollars for a " smoke cleaning ''. Issue is, I have never, nor did I ever smoke. When they attempted to collect the debt, I asked them to show me the receipts and reports from the machine they had to use and they said they would get back to me. Several weeks later, I never heard anything and I now have a collection report on my credit account. I would like this removed and either be provided proper proof and documentation that they got this machine, or for them to retract the debt. 

Thank you.
Consumer complaint received 2017-02-13
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: U.S. BANCORP (UT)

Hello, After being a US bank credit card customer for 18 years and always paying my bill in full and on time, they totally DEFRAUDED me!!! US Bank incorrectly charged my " no annual fee '' account an annual fee. I contacted them and was told " no issue it was an incorrect charge and would credit the account ''. They did but only many months later and then charged my account appr. {$50.00} in penalties, fees etc. I spoke with XXXX supervisors and both said, " the charge and additional fees were an INCORRECT and would be reversed but I needed to pay the {$97.00} ASAP or it would be turned to collections '' .I paid the erroneous charges under protest. Not only did they not refund the {$97.00} as XXXX supervisors promised, they turned it to collections even though it was paid in full damaging my credit report, causing it to drop XXXX points!! 
This is total FRAUD and ABUSE, please help. 
Thank you XXXX XXXX
Consumer complaint received 2016-06-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

Despite several attempts to rectify the situation, first with XXXX XXXX, then with Navient once XXXX XXXX changed their name, Navient continues to apply my payments in such a way to maximize the interest payments and extend the length of my higher interest loans. I have XXXX loans. I try to pay more than the required payment each month. Navient continues to apply the extra payments on principal to the lowest interest loans, while applying minimal amounts of the extra payments to the higher interest loans. If the extra principal payments had been applied equally to all loans, or mostly to my higher interest loans, those higher interest loans would be close to paid off by now, if not already paid off. I even once sent in a {$20.00} extra payment on a separate check with specific instructions that the extra payment was to be applied to my higher interest Loan # XXXX. Navient applied it to my low interest loans instead. I would like to continue to make extra payments on principal, but Navient will not apply the extra payments to the loans I specify. My accounts are in good standing, and have never been in delinquency. I should be able to have these loans forgiven due to the amount of extra interest and payments I will have to continue making due to Navient 's ( and XXXX XXXX prior ) unethical and what I consider criminal behavior. They should be operating to legally minimize students ' interest payments -- not applying payments in a way to profit themselves at a detriment to the payee. This has been going on for close to 10 years now.
Consumer complaint received 2016-12-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (DE)

I have a Mortgage with Loan Care which was paid on XXXX/XXXX/2016 using my on-line pay bill as it is every month and the company is charging me a late fee because the funds were n't received by the XXXX of the month. This is the second time Loan Care has stated they did n't get our payment on time. 1st time they stated that they saw our payment was made on time and they would " waive our late fees '' even though the payment was made on time. This time they stated that they could n't see the payment being made. I offered to give my the confirmation number of the payment which XXXX employee ID XXXX refused to take he stated that I need to my bank fax in prove of the payment so they could research the matter. At this point I requested to speak to a supervisor XXXX refused he stated that their was n't a supervisor available at this time and he would take my phone number and someone would contact me back with 48hours. This is the second me or my wife have requested to speak a supervisor and were refused. Loan Care is purposely posting my payments late so they can charge me late fee 's which are not valid. This is a prefect example of predatory mortgage servicing which is the unfair, deceptive, or fraudulent practices of lenders and servicing agents during the loan or mortgage servicing process, post loan origination.