davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-05
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: SUNTRUST BANKS, INC. (CA)

Dear CFPB : This matter is INCREDIBLY time sensitive. SunTrust Mortgage is preventing my wife and I from attaining a home loan. They have misreported our credit in XXXX major ways, which is creating a hard-stop from us putting an offer on the home of our dreams. They have been largely unresponsive, have lost documents, refused to cooperate, been outride rude, indolent, slow-moving, and incredibly difficult to reason with. 

Overview of Situation : We obtained a loan from SunTrust Mortgage in XXXX of XXXX. SunTrust thinks we were foreclosed on, when in actuality we completed a successful short sale with them on XXXX XXXX, XXXX. They erroneously reported this transaction to the credit bureaus as a foreclosure and will not remove it. In addition, they reported to the credit bureaus that we have a 90 day late on a mortgage as of XXXX XXXX. This is absurd. We did n't even have a mortgage with them in XXXX. Everything was complete via a short sale in XXXX. We have been renters since XXXX. 

We have provided SunTrust with the information that clearly shows they were in error so that we could obtain a pre-approval letter from our lender and purchase a home to raise our son in. All that we asked for from SunTrust was : 1 ) a letter stating that they did not foreclose on us ; it was a short sale completed with settled deb and that we were never late in XXXX, as we had already sold the home and were renting 2 ) Contact the credit bureaus and re-report this information. 

The below documentation was provided to SunTrust 's loss mitigation department and Mortgage Escalation Group : The HUD-1The short sale settlement and acceptance letter sent to us by SunTrust Mortgage in XXXXThe Grant Died that shows when then transaction was completed and the final dispersement from title that shows the money paid in full to all parties. 
The Closing Statement from escrow that outlines the entire transaction. 

Our credit report that shows the 90 day late that SunTrust reported to the credit bureaus in XXXX of XXXX, when we did not even own a home. 

After countless hours invested in trying to reason with SunTrust 's loss mitigation department and providing them all of the documentation they need to prove that we executed a short sale with them in XXXX, we received a letter in the mail on XXXX XXXX stating that SunTrust had completed its investigation and they are correct ; we are wrong. The matter was even turn over to SunTrust 's " Escalation Group '' to no avail. XXXX in the escalation group conceded that they only had XXXX staff members and were behind. I begged him to look at our case because of the timing issue of putting an offer in on the house. My begging accomplished nothing. 

The lack of information and sensitivity to a very time sensitive home purchase, as a result of SunTrust 's egregious servicing practices, has directly and solely impeded our ability to buy a house. They are like talking to a wall. They have hung us out to dry and we have zero recourse. 

Sincerely and Regretfully, XXXX
Consumer complaint received 2017-02-17
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (TX)

Kia Motors Finance is purposely ruining my credit. They keep reporting me as 30 days late on my loan when I 've never been 30 days late. I 've even sent a written letter requesting they correct this and they only made it worse.
Consumer complaint received 2016-08-06
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: MARINER FINANCE, LLC (TX)

Today I received a check from Mariner Finance in the mail for over {$2500.00}. I have never contacted this business or requested a loan from them. Included with the check was a letter explaining that depositing or cashing the check obligated me to a loan with an APR of 32.94 % The envelope was marked " Check Enclosed Open Immediately. '' In this era of rampant identity theft, any competent thief could have intercepted this letter and cashed the check as me, theoretically obligating me to pay. I am also extremely upset that this form of advertisement is used for high interest loans, obviously intended to prey on the desperate and vulnerable in our society.
Consumer complaint received 2015-03-23
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (FL)

A person deposited my check in Suntrust Bank in XXXX Florida, and I do n't have any account at this Bank. I have a copy of the check that was deposited and it shows the account number on the back. XXXX supervisors I have their names, XXXX agreed to the name I thought might be on the account and it was on the name on the account, and they XXXX agreed to me being on a recorded line and they XXXX said the XXXX name that I asked if it was on the account was not on the account. They never should have been able to deposit my check. Please help me get answers to such negligence in the banking system.
Consumer complaint received 2022-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: GOLDMAN SACHS BANK USA (MA)

On XX/XX/22 I tried to access the rewards points on my GM Rewards card online. The website would not send me the verification code I needed to do this. I tried to resolve this issue in an online chat and over the phone. Both reps promised to escalate the issue and have someone contact me. No one has contacted me. I tried again to access the points, but the website simply will not provide the verification code needed.
Consumer complaint received 2016-08-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: EOS Holdings, Inc. (AZ)

I went through XXXX school to achieve a better life through the use of my education. When I got my XXXX I used it for almost two years then I ended up with XXXX in both XXXX and had XXXX. I lost the full use of my XXXX and became impaired to do the job that I was certified to do all while going through some intense life situations, I almost lost my house, I lost my job, I now have additional medical issues that inhibit my life severely and they are not likely to be resolved in my lifetime and finally bankruptcy. Two years ago in 2014 my bankruptcy was finalized. It has been 2.5 years and the loan was recently acquired by a collection agency. Just within the last month they have consistently and aggressively contacted me to tell me that they were going to do a charge off. That this is the " Final Demand Notice ''. I am also currently responsible for a $ XXXX federal student loan that I have been making 18 years of payments on and the net of the loan has never decreased. At this point I am in a black hole and I do n't foresee light for many years if at any time.
Consumer complaint received 2016-07-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AFNI INC. (FL)

I recently reviewed my XXXX Credit Report and viewed that AFNI, Inc. placed a collection record on my credit report. I tried communicated with AFNI, Inc. and was unable to resolve the matter. They are alleging that I owe {$550.00} to XXXX XXXX XXXX. I requested a validation of debt and which they are not able to provide me. I have filed XXXX complaints with CFPB with XXXX prior Debt Collection Agencies trying to obtain this amount that I do n't owe. I do n't have XXXX XXXX XXXX XXXX. The case # are XXXX Sunrise Credit Services and Case number : XXXX Receivable Performance both Debt Collection Agencies replied that they cant provide the validation of debt and immediately removed the record from my Credit Report. The reason why they cant provide the validation of debt is because I do n't have one. It is obvious that these debt collection agencies play games and pass these alleged debts to one another in attempt to collect money that is not owed. AFNI , Inc. is proof another debt collection playing in this game and using threatening and scare tactics to collect money that is not owed.
Consumer complaint received 2016-07-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (CT)

I do not know who this collection agency is or why they are demanding {$530.00} from me. I checked my credit report and this company appeared on it as a derogatory account. I have not received any correspondence from this company. It just appeared on my credit report.
Consumer complaint received 2015-09-12
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (NY)

Went to Citi website and was pre-approved for selected offers after filling out my information, also I had received pre-approved emails for Citi ThankYou Premier Card and Citi XXXX XXXX cards. 
My credit is excellent, and I applied and was asked to verify my address, but that " everything else looked good '' I was told on the phones by the underwriting department. 

I sent in the necessary verification, and was later told I was denied due to inquiries, which they would have known during the pre-approval and offer process and should not be a deny reason. Please help! These inquiries have now tarnished by credit and they have not fulfilled the offer as agreed.
Consumer complaint received 2017-03-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Duncan Solutions, lnc. (GA)

I received a letter from professional account management about a unpaid parking fine from 2011. The letter also threatened to boot my vehicle and tow and impound my vehicle. 
The fine was from a late fee for a paid parking ticket. This fine was paid at the time of paying my ticket. 
We no longer have that bank account ; therefore, we can not verify it officially. 
The fact that they 're just now, over 5 years later, threatening me about this truly makes me think that it 's a type of scam. 
Since most individuals would n't keep such documentation as a paid fine past a few years, it looks as if this company is hoping to garner whatever they can from whoever they can.
Consumer complaint received 2017-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (GA)

I have three student loans that are through Navient, all three loans are in Forbearance but they show late payments on XX/XX/XXXX,XX/XX/XXXX during that two month time all three loans were in forbearance as they were in the months before and after those dates. I 've made numerous attempts to correct this issue. These late payments are really affecting my credit.
Consumer complaint received 2016-06-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Omega RMS, LLC (LA)

In XX/XX/XXXX, I received an collection letter from XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. I called the phone number XXXX asking about this collection letter for {$2000.00}. XXXX XXXX stated it was for Maintenance fee for XXXX XXXX XXXX. I told him that this debt was n't mine. They gave me the address in XXXX and my daughter and I went to XXXX XXXX XXXX with the letter. XXXX XXXX XXXX said they do not show a timeshare in my name nor ever had my name on a timeshare with them. They said do not pay this debt collection since it was n't a valid debt collection. This bad collection account was put on my credit report in XX/XX/XXXX and was removed in XX/XX/XXXX. I started getting collection phone calls, I reported the harassing phone calls to the police. The Police Chief said to change my phone number. So I changed my phone number. My new phone number is under my daughter 's name and how they got the phone number I do not know. The calls have started back today XXXX. I received in the mail dated XX/XX/XXXX another collections notice from OMEGA RMS. llc Moving forward XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone Number XXXX. And now they want {$4800.00}. The statute of limitation in XXXX is XXXX years. Enough is Enough. I want the harassing letters and phone calls to stop.
Consumer complaint received 2017-01-12
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Risecredit, LLC (NY)

I received a loan from RISE credit, illegal in New York state, for {$3500.00} XX/XX/2016. After months of harassment and withdrawals from my account which caused me to incur overdraft fees, they sold my account to XXXX with a balance of {$4600.00}.
Consumer complaint received 2016-12-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION (FL)

I still do not know why my bank accounts have been frozen, and I 'm still waiting on receipt of the form from XXXX 

However, as I 'm made clear to you, I need to pay my mortgage as agreed to keep my home. I have CC XXXX, the attorney who has worked out my arrangements with my mortgage company -- XXXX The payment of {$1600.00} is due no later than XX/XX/XXXX. If I do n't make this payment I could risk losing my home. 

As they stated, they will reach out to " XXXX '' the XXXX for their branch. I have not gotten a reply. 

This is a very bad experience. I would like to speed up the XX/XX/XXXX day freeze period and do simply withdraw all funds, close the account and part ways.
Consumer complaint received 2016-09-11
Product: Credit card — 
Issue: Other — 
Company: STERLING JEWELERS, INC. (IL)

I 've mailed a certified letter to Kay Jewelers dated XXXX XXXX, 2016 and XXXX XXXX, 2016 regarding an inaccuracy on my credit reports, regarding account number XXXX. Kay Jewelers has FAILED to reply in a timely manner to my initial letter dated XXXX XXXX, 2016 and has also FAILED to furnish to the credit bureaus a " notice of dispute '' on my account within 30 days. Kay Jewelers has not only VIOLATED FEDERAL LAW, but has also FAILED to provide me with a copy of any viable evidence, bearing my signature for this account. Kay Jewelers is liable for willful non-compliance, as per FDCPA and FCRA.
Consumer complaint received 2016-11-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CA)

Navient is the private loan servicer. I am the cosigner for my son. Originally these ( XXXX loans ) were XXXX XXXX loans. I have been paying on the loans since XXXX. Loan XXXX was disbursed in the amount of {$21000.00}. To date I have paid over {$17000.00} on this loan. The outstanding balance is {$17000.00}. XXXX was disbursed in the amount of {$31000.00}. To date I have paid almost {$20000.00} on this loan. The outstanding balance is {$24000.00}. I submit that the fees and interest on these loans are predatory and unethical. Consequently, I have retained counsel to help me navigate a course of action. Repeatedly Navient has refused to help me over the years with a reasonable payment plan and reduction of interest and fees. Finally in XXXX of XXXX I discontinued my payments to Navient after receiving a bill for XXXX that indicated that my most recent payment of {$130.00} only lowered the balance by {$46.00}. Although I have retained counsel, CFPB needs to be aware of the predatory practices of Navient. I have retained counsel for 6 months and to date, although we have offered a reasonable amount for a monthly payment, Navient has refused to cooperate.
Consumer complaint received 2015-08-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC (OH)

Was employed in XXXX from XX/XX/XXXX until XX/XX/XXXX. While I was employed in the XXXX of XXXX, my identity was used to open accounts. 
I have tried to clear up any confusion. I have written to the debt collector certified mail and the credit reporting agencies. 
On XXXX, it indicated removed but then it re-appeared. It is contradictory postings.
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. (PA)

Navient did not respond to my initial complaint filed through CFPB regarding payment application. Also, received my 2016 XXXX year end statement that is reflecting an excessive amount of {$21000.00} in interest.
Consumer complaint received 2017-03-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC (FL)

i am constantly and have been constantly disputing this account with this company for inaccurate reporting because they debt their reporting does n't belong to me. i am getting frustrated and i need this to stop. i will not pay for an account that is being reported inaccurately, that 's a scam and i 'm so tired of this company and their aggressiveness about getting me to pay for something that i have no attachments too. i 'm about ready to file a law suit, their reporting inaccurately and bullying people.
Consumer complaint received 2016-09-15
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC. (MS)

To obtain student loans my personal information was submitted to the Creditor without my knowledge and without my personal signature to validate any of the information given by the individual who received the loans. I requested over and over again for the company and collection agencies to please stop all collection efforts toward me. I provided proof that the signatures on the applications, did not match my signature, the spelling of my last name, address and place of employment all are incorrect on their loan applications. I disputed the accounts because they are NOT MY LOANS, NOR DID I CO-SIGN for these loans. These loans were granted to the individual without my knowledge and without any request from the creditor asking for approval as a co-signer. I am getting repeated requests and notices from different collectors to pay these loans. I have asked for collection actions to stop and for them to remove the negative infomation from my credit record. My requests go as far back XX/XX/XXXX via phone conversations, then via writing starting in XX/XX/XXXX. Now, they have turned this over to an Attorney firm that is once again sending notices threatening to take action. These are not my loans and I need this to stop as soon as possible and removed from my credit record. This is interfering with my health and XXXX to stay focus.
Consumer complaint received 2016-01-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NM)

Hello my name is XXXX XXXX, I went to XXXX XXXX and have been attempting to pay my loans down and get better interest rates. I have a situation that I may need help with. I figure I 'll give you the info and you can help guid me from here. I refinanced some private student loans from XXXX ( navient ) to XXXX in XXXX of 2015. Everything funded all was well, but in my account login for navient under that same account number it shows I still owe XXXX ( rounded down ) on that account. I verified that the amount XXXX funded was total loan amount. I can only conclude that they made an error. I have contacted them with my concern once in XXXX. Not hearing from them I 'm or seeing any difference in the account I need to address this before any more time passes. I messaged them again inquiring what the deal is but I 'm paying interest on a loan that is already consolidated. I do n't know how exactly to proceed. I could use some guidance if this is an issue you can help me with. 

Thank you, XXXX XXXX. 

Sent from my iPad
Consumer complaint received 2016-04-25
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Amscot Corporation (FL)

I have accumulated, over 4 years, money orders which I have stashed in a drawer in the event I ca n't pay my necessary utility bills, were I to have no work. 

Recently, I got them out and gave one, which I had left blank, to a repairperson who took it to his bank and came back with it saying it was outdated. That 's how I discovered that all these money orders, from Amscot, which I have been saving are " outdated ''. The Amscot teller said I had to read the back, which informs people, in very small print compared to everything else printed on the money order, that there is a 1 year expiration date. I have many times over the years, in the past received checks from companies, and they had printed ON THE FRONT, in regular or larger than regular letters a " valid until ... date ''. My question is why this should not be standard for the AMSCOT vehicles as well? Put this vital information where you see it, and not hidden, as it were. Do other companies have the option to put expiration dates on the back in tiny print? 
I 'm writing because I have lost considerable value to my checks as I return them to AMSCOT.
Consumer complaint received 2016-03-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (WA)

After canceling my account with XXXX, I returned a rental modem using a tracking label they provided. After shipping it, I found out many months later I was being charged for it through a collections agency. I disputed the claim, but recently I discovered the debt has been transferred to a different debt collection agency. 

I have contacted the XXXX representatives many times over the phone, which has transferred me continually between departments. Everyone can verify I was a customer and rented a modem, but no one can give me any information about the shipping label they sent me. According to them I did n't return it, but can provide no proof I did not use their shipping label. They refuse to give me this information and insist on requesting information over the phone despite no department providing this and frequently being dropped between transfers. I recently sent out XXXX certified letters disputing the claim to their corporate office and a billing center, but have received no reply. Online chat support has only directed me to tech support number, who could provide this information. After calling the number, the technician said he did not have this information, but could forward me to customer support, which I 've already spoken with several times.
Consumer complaint received 2017-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MA)

And XXXX University, XXXX XXXX SC. I have no faith that when I call in to a for profit making company that they are representing the facts when they tell me I am not eligible for for a government benefit that would reduce my payment or retire my loan early as they ( Navient ) would have no interest in telling the truth. This would reduce their profit and go directly against their stockholders and fiduciary duty to provide maximum return for their company ... how is this duplicity reconciled? I do n't think it is, they rip me off when I call in and ask for help.
Consumer complaint received 2016-05-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Curtwright & Klein, LLC (SC)

The company Kurtwright and Klein LLC has called me three times over two days in an attempt to get contact information for my deceased father 's widow. I have told them I do not know how to contact her, and I firmly told them in every call not to call me back.