davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-02
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Climb Credit Inc. (TX)

I have to a non-traditional credit lender which partners with CodeUp, a coding bootcamp provider here in XXXX XXXX. I filled the application for the first time on XXXX XXXX and received an answer on XXXX XXXX that I did not qualify. They encouraged me to use a co-applicant to increase my chances, which I did by reapplying with my wife. And it did not even take 24 hours and I receive the same standard message of rejection on XXXX XXXX. 
Their website clearly specifies that they do not do hard hits on credit reports so we should not see any loss of points or negative consequences on our credit score. 
However, since the last application, they keep running our credit reports. The last XXXX was this XXXX XXXX, the XXXX time. I have not applied for credit since that second application, yet my credit report is pulled again and again. The same for my wife. 
I attempted to contact them to discuss this matter through the number provided on their website, but it keeps sending me to an automated message telling me the hours of operation and to call back. I have not heard from them despite my many attempts.
Consumer complaint received 2020-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (OK)

To whom it may concern : I have a Citi Double Cash MC and Diamond PReferred MC, and have been with Citicards since XXXX. I have always paid on time and have had my account set up on Autopayments with my XXXX XXXX account for years. Both accounts were set up on Autopay. I have also had other card brands, such as Thank you Rewards, and I believe a Thank you Preferred card, all of which were set up on Autopay, where the payment is automatically withdrawn from my bank acount monthly. On XX/XX/XXXX, and XX/XX/XXXX, my auto pay was automatically cancelled on my City Double Cash MC, and Citi Diamond Preferred MC, respectively. This was done without my authorization and approval. To my knowledge, I did not authorize this change. Because of this, both of my Citi credit card accounts became past due, which prompted Citicards to do an account review and lower my credit card limits on both of my cards. I feel this is unethical and fraudulent business practices. 

In lieu of the Corona Virus COV-19, lenders and credit card companies are actually waiving payments and late fees, and are not making drastic changes to customer accounts, in lieu of the pandemic that have taken the lives of thousands of individuals. My understanding is that Federal law forbids this kinds of discriminatory action, or drastic measures being taken against good, loyal customers at this time of crisis. Again, I am not experiencing a financial problem paying my account at this time. Had Citicards not stopped my autopay set up without my consent, both of my accounts would have been automatically paid on time and current. I ask that my credit limits be not only restored, but my excellent payment histories. I also ask that Citicards explain who authorized the cancellation of my autopay and why did that stop it. To this date, they have no explanation for me. 
In addition, Citicards allowed for someone to fraudulent use my Citi Diamond Preferred card from XXXX of XXXX until XXXX of XXXX, to charge a premium XXXX package for around {$15.00} without my consent. In fact, when I contacted XXXX, the account had not name on it just numbers and a gmail account associated with it. How can Citicards allow someone with a ghost account to charge for movie services on my credit card for months? 

My credit score has been lowered because of this. I am very upset that I have always paid them on time and now this has affected my credit rating with the credit bureaus. 

Please investigate this complaint. Thank you.
Consumer complaint received 2017-03-31
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (GA)

Navient constantly calls me at work. They spoke to my former employer that works for the same organization I still work for, and my career may now be unstable because of this. They hit my credit so hard that there is no way to refinance through another company. I am a XXXX who is still in the service and they have affected my life so much that I am unable to buy a house for my sons as a single mother and I worked two jobs until a few months ago. They offered me that I could make a higher payment for 120 on time payments if I wanted to be forgiven for my student loans. I have ten years XXXX federal service and 18 years in the military. Nothing matters to the other person on the phone. The calls are relentless. They hound until you just go get a second job because you ca n't survive it. 18 years in the service, and their employees are to be avoided before a XXXX. I ca n't afford an attorney or I would get one. I ca n't file bankruptcy or I will lose my job. Most states wo n't include student loans in a bankruptcy in any case.
Consumer complaint received 2016-01-13
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK (CA)

I opened an discover bank saving account with a promotion code of XXXX. 
The promotion is {$100.00} bonus when I make {$15000.00} deposit by XXXX XXXX, 2015. I did make enough deposit by that deadline. However, months passed, but there is no bonus awarded. I contacted Discover bank several times, they always say they will check it and it would take more than one month to give me feedback.
Consumer complaint received 2016-09-29
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: STERLING JEWELERS, INC. (IL)

I owe a balance with XXXX. Due to some financial issues I was not able to make my monthly payments. They had contacted me and I had explained the situation to them. After that they had contacted my place of employment and I involved them that I can not take personal calls at my job. After that I spoke with them again and I told them I could make a payment but not until I got paid. They told me that they needed a payment sooner than I could pay them then stated that if I didnt set something up they would preceed to garnish my paycheck. They then called my job once again at this time I had changed locations and they called my new location and once again I told them I cant take personal phone calls. I had spoken with someone who stated that my file had a status not to contact me and that I would have to contact them. Needless to say a few days later they contacted me again. I understand that I owe a debt and I am willling to work with them to pay it off but I would like the phone calls to seize. They stated my account is in legal status I said I could make a payment but they said it wouldnt be enough. I think that some type of payment is better than no payment at all.
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: AES/PHEAA (MD)

In approximately XXXX, I consolidated my federal school loans with my loan provider, American Education Services ( AES ). In XXXX, the public service forgiveness act was passed, which forgives the balance of your school loans after 10 years of public service. In XXXX, I called AES to inquire what I needed to do to be eligible and if I needed to reconsolidate my loans. I was informed that I could only reconsolidate once, and that I was already eligible because my loans had been consolidated. I was further advised that in XXXX XXXX, after I have filled out the required paperwork, I would be eligible to have the balance of my school loans forgiven. From XXXX through the present, I have worked for the government. In XXXX, I changed jobs from XXXX to XXXX At that time, I followed the instructions from the AES representative and submitted my paperwork for this employer. I currently work for the XXXX. Recently, I submitted my paperwork from this employer to continue my eligibility. However, I was recently advised by AES that I was no longer eligible for public service forgiveness because my loans were not consolidated as " direct '' loans. After hours and hours of trying to resolve this situation with AES and explaining that I had been told in XXXX that I was eligible and that no one had told me otherwise, knowing that I worked for the government and was submitting paperwork for the program, A supervisor told me, " Look, AES is a business. We are not out to look for your best interests. We look out for our client 's interest, and they are about making money. We are not going to assist someone in taking money away from our clients. It was up to you to determine if you were eligible. '' I was further told that " At the time I called in XXXX, the program was new, and the representative gave me the wrong information. '' I think this is completely unacceptable. AES knows that I have worked for the government for almost 15 years because that information is on file. They also know that they were likely providing the wrong information to their customers. There should be some sort of remedy for their deceitfulness. Can you please help me?
Consumer complaint received 2016-08-01
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC. (TX)

I bought house in XX/XX/XXXX, mortgaged through Suntrust Mortgage. They forclosed on me and house was sold at auction on XX/XX/XXXX. In all, I was 3 payments behind, approx. XXXX. I was still trying to make monthly payments to not get further behind and try to catch back up. They accepted a couple payments then started returning them, not accepting the monthly payments and wanting the back payments in full. I was unable to and asked for help. They sent package to fill out and return, which I did and they received it on XX/XX/XXXX. Never heard anything from them as was getting close to auction, I called to see if they were gon na help, they said no, that I did n't get the paperwork to them in time. Said they needed 15 days before sale of house. Mine was there 12 days before sale of home. They did send me letter saying I was denyied help. Said they mailed it out on XX/XX/XXXX, but I did n't receive letter in mail until XX/XX/XXXX., 3 days after house was auctioned off. That 's 2 weeks it took to get a reply from them. My package for help I signed and mailed in could have taken that long to get there too, which is unusual and not my fault. So they could have gotten it 15 days before sale date and being that I have been with them for almost 10 years making payments you would think they would be loyal to their customers and accept my help. Obviously not!!!! Also wish I had known about lawsuit against Suntrust recently. I qualified for a settlement, enough to bring my account current, and not be homeless. I never received anything. Feel I was kicked out of my home by suntrust mortgage. I 'll never do business with them again. Thanks for the help!!!
Consumer complaint received 2015-12-07
Product: Credit card — 
Issue: Billing statement — 
Company: DISCOVER BANK (NY)

Discrepancy of actual transactions vs monthly statements. Balance does not match. I have documents. No one is taking me seriously. XXXX is. 
FOLLOW UP TO ERRONEOUS CHARGES AND MISHANDLED MANUAL TRANSACTIONS TRANSFERRED OVER. 

The Fair Credit Billing Act, the federal law that dictates how credit card fraud and billing disputes are handled, defines a number of situations as billing errors, including " goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. '' In other words, if you order a product and it never arrives - or if you refuse delivery because it 's not the product you expected or because it 's damaged - you 're entitled to your money back.
Consumer complaint received 2021-05-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION (GA)

My daughter got a loan from Sallie Mae for her student dept. I co-signed with her on these two loans. Total amount of both loans were around {$7500.00}. XXXX XXXX she had a child. Her payment date was around the same time she was preparing to go into the hospital to deliver. Fast forward .... For 3 solid weeks, I have received harassing calls from Sallie Mae ... to the point of having four to six calls a day from three different numbers. I work nights and have to get my rest. i am an XXXX XXXX and work with XXXX that ranges from XXXX volts up to XXXX volts. She was only behind by {$100.00}. I finally got the opportunity to call SM and speak with them. I told them that I was not happy about them putting my life at risk by waking me up four to six times a day for {$100.00}. I sent them a letter back XXXX 2017 time frame requesting them to not call me, that by Ga law if I notify them in writing that my employer does not allow us to take personal calls while at work, they are not to call me. I told them that it is completely unacceptable to endanger my life for {$100.00}. I asked them if they felt my life was only worth {$100.00}? They were extremely rude back and I hung up. I contacted a lawyer on this matter and he advised me to file an official complaint for harassing phone calls against Sallie Mae here.
Consumer complaint received 2022-08-25
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. (PA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to delete this inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXBalance : {$560.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) 1XXXXBalance : {$180.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance XXXX {$440.00} XXXX XXXXBalance : {$1400.00} XXXX XXXXBalance XXXX {$1200.00} XXXX XXXXBalance : {$2500.00}
Consumer complaint received 2022-08-25
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. (PA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to delete this inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXBalance : {$560.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXXBalance : {$180.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance : {$440.00} XXXX XXXXBalance : {$1400.00} XXXX XXXXBalance : {$1200.00} XXXX XXXXXXXXBalance : {$2500.00}
Consumer complaint received 2016-09-29
Product: Credit card — 
Issue: Balance transfer — 
Company: U.S. BANCORP (CA)

I applied for USBANK visa signature card since they were offering % 0 APR for balance transfers for one year. Also they were offering {$100.00} credit if you spend {$500.00} within a month. I completed both requirements and to my dismay I was denied the promotions they were offering after I made a balance transfer and spend over {$500.00} on the credit card. I called customer care and spoke to supervisor called XXXX and almost spend one hour on the phone since these guys are not organized and specialized in wasting valuable customers time. I was told balance transfer did n't hit my account within first month of account opening which is not true. I did some due diligence prior to balance transfer and called USBank customer care and I was told as long as I completed balance transfer on XXXX XXXX I should receive 0 % promotional APR and I followed their instructions and completed balance transfer request on XXXX XXXX. As per supervisor XXXX I was told I should have completed balance transfer on XXXX XXXX which is Sunday which is contrary to what I was told by previous customer support reps. I opened USBANK checking acct on XXXX XXXX along with credit card and I used the credit card as soon as I received it on XXXX XXXX which prompted me to believe USBank is counting the day they mailed credit card and not the day I received the credit card which is not ethical way of doing business. USBANK clock is ticking even when I do n't possess credit card to request balance transfer. I was told by supervisor XXXX I should have an existing checking acct inorder to qualify for {$100.00} credit. 
USBANK web site should n't be offering me credit card offer along with checking account opening if there is a requirement of existing checking account and this practice is very misleading. USBank is offering so many promotions in a misleading way just to attract customers and denied promotions once they open accounts. USBANK web site should n't be offering me credit card offer along with checking account opening if there is a requirement of existing checking account and this practice is very misleading I demand that USBANK grant me % 0 APR for balance transfer since I was given misleading info from customer care and also USBANK clock is ticking even when I do n't possess credit card to request balance transfer. Also USBANK should give me {$100.00} credit Since USBANK web site should n't be offering me credit card offer with {$100.00} promotion along with online checking account opening if there is a requirement of existing checking account and this practice is very misleading
Consumer complaint received 2023-04-15
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. (NC)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXXXXXX XXXX  ; XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX Balance : {$5100.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2016-02-20
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: Comerica (TX)

XXXX XXXX XXXX added an unknown female to my auto policy which cause my Comerica checking account to be overdrawn for XXXX from XXXX I regularly pay, I have been trying to contact Comerica bank to try stop that unauthorized payment and nobody is there to assist me, only automated menus, when I select transactions it says to call Monday to Friday. it is inadmissible they do n't have anyone that can assist me with unauthorized charges to my checking account which is overdrawn because of this charge, if they are federally insured they should have someone person to assist on this matter, unauthorized charges just do n't happens Monday to Friday XXXX to XXXX.
Consumer complaint received 2016-04-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (MD)

I had filed a chapter XXXX and discharged my mortgage debt. Suntrust is filing on my credit late payments on the mortgage. The mortgage should show discharged. Suntrust is n't following current Bankruptcy rules for debt collection.
Consumer complaint received 2015-04-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (DE)

Suntrust Bank advertised a bank account opening promotion XX/XX/XXXX. I opened an account under that promotion and after I thought I have completed all the requirements, I sent a secured message on XX/XX/XXXX to customer service asking for a review of the Promotion Bonus and seek confirmation whether I hit all the requirements to receive the {$200.00} signup bonus. On the same day, a rep replied to my email and stated that I am eligible for the Promotion Bonus and should expect to see {$200.00} within 8 weeks. On XX/XX/XXXX, I checked my account and sent another email to customer service for a status on the promotion bonus. A new rep responded, apologized for the response provided by the previous team mate, and her review concluded that did not qualify for the promotion bonus. XXXX additional emails and XXXX phone call later to appeal and request further review as I was relying on wrong info provided by the rep on XX/XX/XXXX, a new bank representative called me on XX/XX/XXXX to convince me there were no errors on the bank 's part based on her review and interpretation of the secured messages. She stated that because the XX/XX/XXXX rep did not directly answer my question whether I qualified for the bonus, her conclusion was Suntrust did not make an error in representing that I qualified for the bonus on XX/XX/XXXX. Furthermore, based on her interpretation of the secured message, the XX/XX/XXXX rep was merely provide a general comment ( not a response to my inquiry ) that if I meet all the listed requirements, I will receive the bonus. Now that the time window to complete the requirements are over, I am no longer eligible for any bonus no matter what. 
I feel wronged by Suntrust and its customer service representative. I asked a specific question on XX/XX/XXXX to confirm qualification and seek guidance from Suntrust to ensure I met all the requirements and complex terms and conditions of the {$200.00} account opening promotion. I trust Suntrust to review my account and provide a yes/no response and provide assistance to help me meet the qualifications if it was a no response. Instead, Suntrust interpreted the XX/XX/XXXX rep 's guidance to me differently to purposely deny the promotion bonus. There was no recognition that the XX/XX/XXXX failed to provide a proper answer to my question and possibly mislead that I qualified for the promotion. Suntrust has no intention to pay the promotion bonus that was advertised and took measures to prevent customers from meeting the qualifications to engage in deceptive business practices.
Consumer complaint received 2016-03-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (TX)

I 've been waiting several months for XXXX to consider my income based revenue application. Each time I call, customer service representatives are unable to give me even a rough idea of when it might be processed. The current payments are much too high and I am having trouble paying even a part of the due amounts while I wait for them to process paperwork.