davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NY)

Processed a complaint with your agency against ditech financial llc in regards to being sent multiple letters for weeks stating my mortgage is late and going to be put in foreclosure. Account was and is current. Your agency contacted ditech in regards to this and they apparently informed you it's been managed. It hasn't, still receiving letters that the account is late, and late fees are going to be applied. The letter is being generated weeks after ditech is receiving the payment for the account. Also the payment has gone up without explanation on why.
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 — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I opened this account with XXXX XXXX XXXX, and for 1 year paid on time, my credit was hacked and fraudulent charges were made, I disputed with them and they ignored, even filled out their fraud documents to no reply or correction, they just ran up adds fees and penalty, totally corrupted my account, I even requested it be closed in XXXX of 2015 ... they are reporting invalid and inaccurate info to credit bureaus ...
Consumer complaint received 2019-05-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Financial Asset Management, Inc. (UT)

I received an installment loan from Check City to cover medical expenses. I was making my required payments and paid off my interest balance. However, I fell into trouble into paying my biweekly payment. My wife had XXXX and was off of work for a month. I tried to negotiate with Check City to allow me to pay my remaining balance of XXXX by making payments of XXXX a month. They refused and demanded I make the required amount of XXXX bi-weekly or they will take me to court. I stressed to them that I was willing to pay balance but I needed some leeway on payment arrangement. I couldnt afford XXXX on a bi-weekly basis until my wife was back at work. They staff told me if you can not meet our expected payment of XXXX bi-weekly we will see you in court.
Consumer complaint received 2019-05-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE (AZ)

On XX/XX/2019 at XXXX I went to Western Union agent at XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX AZ XXXX, to send money to my wife who lives in XXXX XXXX as I do every two weeks. Cashier by the name of XXXX was at the customer service counter, I gave her my information, drivers license, my phone number and name of the recipient. I informed her that the information is in my profile which she can pull up on the computer by my phone number. She insisted that my wife 's name was not on the list of recipients I have previously sent money to which I disputed since I had just sent her money two weeks ago and have done so for the last three years. She ( cashier ) responded that I should not argue with her or she will not serve me! She then asked me for my social security number, where I work, what I do for a living and where I was born? As you can tell these are the type of questions which are personal and can be easily used to steal individual 's identity. Of course I could have refused to provide the information and used online service to send money, but the online service for Western Union is  outrageously expensive and most of the time it doesn't work due to technical problems, which by the way they were having technical problems at that time. When I returned home I called Western Union at XXXX to find out if this type of questioning was a new requirement? I was told that it's not, but that each agent may implement their own rules for security purposes. Which I translated to mean that any Western Union can discriminate against anyone as they see fit!! I have been a customer of Western Union for over 30 years and to be treated such I found appalling to say the least. Am sure Western Union feels that they have monopolized money transfer industry, but there have been giant companies in this world who though they were too dominant to fail but as the world changes so will the competition and who knows Western Union may find their way out unless they change their ways. In case anyone wants to get more information from me, my name is XXXX XXXX and I can be reached at ( XXXX ) XXXX or email at XXXX XXXX
Consumer complaint received 2019-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (MA)

I have asked credit reporting companies to remove Late Payment issues with my Credit Card companies. My bank account was compromised do to no fault on my own and my direct payments to credit card companies was rejected. 
My bank XXXX Bank was hacked and they did not notify me until my payments bounced. My bank should be held responsible not me. I had no control over there security issues.
Consumer complaint received 2019-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have asked credit reporting companies to remove Late Payment issues with my Credit Card companies. My bank account was compromised do to no fault on my own and my direct payments to credit card companies was rejected. 
My bank XXXX XXXX was hacked and they did not notify me until my payments bounced. My bank should be held responsible not me. I had no control over there security issues.
Consumer complaint received 2019-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (PA)

I purchased a laptop from Best Buy in XX/XX/XXXX on credit - a 'rewards card ' ; bundled with it was a Debt protection service which I opted in for. Over the years as Best Buy was acquired by Citibank I tried on numerous occassions to stop this debt protection because I never missed a payment and it was unnecessary - finally in XXXX : I was able to contact this Best Buy Citibank subsidiary - I began to realize that the great adversity which one has with the online account process in fact is massive fraud. Here is an example like my own ... ..XXXX XXXX XXXXXXXX I have tried on numerous occassions to audit my account - finally I made the mistake of asking the company itself to help me ... ..now there are no records of these past many years of transactions ... .just a debt that never goes away. As a conservative and conscientious consumer it dawned on me that Consumer fraud is in a word a corporate entity which collects exceedingly high interest rates and also sells debt protection services along with it - ( conflict of interest? ). This theft of services is obviously rampant ... .I would like to recover the excessive interest which this predicament has created at least - thank you for your attention.
Consumer complaint received 2019-05-28
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CIT BANK, NATIONAL ASSOCIATION (VA)

I AM WOMAN, BECAUSE OF ONE WEST BANK FALSE CLAIM AND ATTEMPT TO FORCLOSE MY PROPERTY ON XXXX, and filed false proof of claim ( FOR CONSTRUCTION LINE OF CREDIT WHICH WAS CHARGED OFF IN XX/XX/XXXX ) in Bankruptcy CASE NO,, first under name ONE WEST BANK, XXXX ( XXXX XXXX XXXX ) AMOUNT , 1,,,,,,, DATED,,,, CLAIM NO,,,,, and then under name ONE   WEST BANK, N.A ( XXXX XXXX XXXX ) FOR AMOUNT,,, DATED,,, DOC,,, AND never mentioned in bankruptcy case ONE WEST  BANK become CIT BANK IN XX/XX/XXXX. ALL THEIR ACTIONS harmed and damaged I and my family and lost costume property WHICH I built In XXXX by XXXX point at me ON XX/XX/XXXX, and 30 days in XXXX detention center in XX/XX/XXXX, for XXXX unlawful, administrative Bankruptcy court order. ( BANKRUPTCY CONVERTED TO CHAPTER XXXX BANKRUPTCY BY FORCE OF BAND AND BECAUSE OF DOUBLE FILING OF ONE WEST BANK ON XX/XX/XXXX. ) ( TRUSTEE DOUBLED ONE WEST BANK FALSE CLAIM, one for ONE WEST BANK XXXX, and another one for ONE WEST BANK, N.A= TOTAL $ //// ) I FILLED CHAPTER XXXX BANKRUPTCY IN XX/XX/XXXX, IN XXXX VIRGINIA CASE XXXX TO FIND OUT WHO HAS RIGHT TO COLLECT CONSTRUCTION LINE OF CREDIT AFTER ALLEGED CONSTRUCTION LINE OF CREDIT BEING CHARGED OFF BY MORTGAGE SERVICER XXXX XXXX IN XX/XX/XXXX. BANKRUPTCY DISMISSED PER 3 CREDITS REPORT {$0.00} CLAIM, AND {$0.00} LIABILITY IN XX/XX/XXXX. 
XXXX XXXX XXXX TRUSTEE FALSE ACCOUNTING REPORT AND FALSE SUMMARY CLAIM HARMED, harmed, harmed, harmed, AND DAMAGED I AND MY FAMILY VIOLATE DUE PROCESS OF LAW, VIOLATE JURY TRIAL, VIOLATE TRUSTEE OATH. 
1- I LOST {$91000.00} FROM DIP CHECKING ACCOUNT, 2- {$6300.00} REMAIN IN DIP CHECKING ACCOUNT THAT I CAN NOT USE IT AND I DID NOT GET CREDIT FOR IT. 3- PROPERTY WHICH I COSTUM BUILT ON XXXX KNOWN AS XXXX XXXX XXXX XXXX VA ,. chapter XXXX trustee. It began with the general principle in section 704 ( a ) ( 1 ) that a chapter XXXX trustees duties include collecting and reducing to money the property of the estate for which such trustee serves, and close such estate as expeditiously as is compatible with the bests interests of the parties in interest. The efficacy of liquidation must be balanced against the best interest of parties, including the debtor. Obviously, a chapter XXXX trustee may not conduct the case for the sole purpose of self-enrichment. Here, the U.S. Trustee was motivated, at least in part, by a desire to increase his fees.
Consumer complaint received 2019-05-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (IL)

This company during a phone conversation asked me for personal information like birthdate and Social Security Number. What is unethical is that I was told by the mortgage representative we were speaking on a secured line. I am a XXXX XXXX XXXX XXXX XXXX ( XXXX ) and the phone line is NOT secured. This practice is performed by many financial institutions and they really need to adopt a hybrid approach of getting the information. Like having the applicant go to a secure online site to provide the requested PII. This practice of telling people they are talking on a secured line is one of the reasons people have their identities stolen. Please, please change this horrible practice.
Consumer complaint received 2019-05-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

On XX/XX/XXXX, I opened two accounts with HSBC in person - savings and checking. The month prior I had received a promotional card by mail stating that I was eligible to receive an {$800.00} cash bonus by depositing {$100000.00} in the combined accounts and maintaining it for 90 days. I redeemed this card with the branch relationship manager and believe it was valid/unexpired, bonafide, and targeted at me. 

On XX/XX/XXXX, I transferred {$220000.00} into these accounts and today still maintain a balance of over {$170000.00}. At no point did the balance drop below the {$100000.00} threshold ( see attached ). 

In XX/XX/XXXX I noticed that the {$800.00} bonus had not been credited. On XX/XX/XXXX and XX/XX/XXXX, I had a series of correspondences with HSBC via their BankMail platform ( see attached correspondences ) to inquire why the {$800.00} had not yet been credited per the terms of the offer. HSBC stated that after maintaining the $ 100k+ balance for 90 days, I had to wait an additional 8 weeks for the promotional credit to arrive in my account. As of XXXX XXXX, 172 days had elapsed since the deposit was made ( 90 days plus 11 weeks ). 

On XX/XX/XXXX, I had followed up again with HSBC via BankMail ( see attached ). I was then informed that my " account is not eligible for the welcome bonus offer as the application form was rejected either valid personalized code or invalid account number submitted. '' Please note that I personally did not fill out any application form to redeem the offer ; I simply handed the offer card to the relationship manager, who then processed it. On XXXX XXXX XXXXXX/XX/XXXX, I emailed the relationship manager ( who initially said he would look into it ), and I subsequently followed up several times ( see attached ), but did not hear any response back. 

At no point prior was I informed of any issue or asked to correct any incorrect documentation, which was processed by the branch relationship manager.
Consumer complaint received 2019-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OH)

Hello -- This complaint is in regards to a Loan originated with XXXX XXXX and then transferred to Mr Cooper mortgage servicing. Over the past two months, I have made a series of inquires about a principal reduction payment I made shortly after closing on this loan. 

Here is a summary of my case. 

- I closed on my mortgage with XXXX XXXX on XX/XX/XXXX. 
- Servicing of my loan was transferred to Mr Cooper in late XXXX or so. 
- I submitted a principal payment reduction in the amount of {$57000.00} from the proceeds of my home sale to XXXX XXXX. It was cashed on XXXX. 
- I contacted Mr Cooper 's customer service hotline on XX/XX/XXXX, after not seeing this credited toward my balance. I was told it would be passed to Research, but I never heard back. 
- I emailed the Research Department on XX/XX/XXXX. 
- On XX/XX/XXXX, the XXXX dollars in payments were posted to my account effective XX/XX/XXXX. The sum was split into a monthly payment ( XXXX ) + principal paydown ( XXXX ). The monthly payment was applied first, meaning the interest rates were not adjusted according to the principal-reduced amount. 
- Also on XX/XX/XXXX, I received a response stating that my concerns had been addressed and the payment had been posted. 
- I replied on XX/XX/XXXX with my complaint about the interest payments not being adjusted ( described above ). I received receipt-of-confirmation email. 
- I followed up on XX/XX/XXXX, with a picture of the check. I received receipt-of-confirmation email. 
- I followed up on XX/XX/XXXX. I received receipt-of-confirmation email. 
- I followed up on final time on XX/XX/XXXX. I received receipt-of-confirmation email.
Consumer complaint received 2019-05-11
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: Navient Solutions, LLC. (AZ)

I am having my payments returned again. I can not get them to accept my payments. Through their response to my complaint they told me to change where I send my payment. This company keeps changing the rules and I keep being punished for it. Now they are applying charges to it as well. This is not acceptable.
Consumer complaint received 2019-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

On XXXX. XXXX, XXXX I became legally XXXX according to Social Security XXXX. I contacted XXXX when the final decision was made at XXXX in XX/XX/XXXX and in XX/XX/XXXX, XXXX approved a Discharge due to XXXX on my student loans from XXXX and XXXX XXXX XXXX, both XXXX and XXXX agreed to the discharge. 

In XXXX XXXX XXXX also discharged my private student loan through XXXX. 

I pulled my credit report from Experian and XXXX in XXXX and XXXX is listed with three discharged loans, the two federal school loans from XXXX and XXXX XXXX XXXX and private school loan from XXXX. 

My credit report in XXXX also showed XXXX and XXXX paid. But XXXX XXXX XXXX status is listed as Open as Unknown. I called XXXX XXXX XXXX and their customer service states, " Yes, the loans show here as paid. The discrepancy will clear up next month, because there is a backlog in reporting and updating status information. '' I called again last week and XXXX XXXX XXXX repeated the same and said they were not obligated to clear it up now. I complained to Experian, XXXX and XXXX   and they say I have to get XXXX  XXXX XXXX to clear it up.
Consumer complaint received 2019-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

On XXXX. XXXX, XXXX I became legally XXXX according to Social Security XXXX. I contacted XXXX when the final decision was made at XXXX in XX/XX/XXXX and in XX/XX/XXXX, XXXX approved a Discharge due to XXXX on my student loans from XXXX and XXXX XXXX XXXX, both XXXX and XXXX agreed to the discharge. 

In XXXX XXXX XXXX also discharged my private student loan through XXXX. 

I pulled my credit report from XXXX  and XXXX in XXXX and XXXX is listed with three discharged loans, the two federal school loans from XXXX and XXXX XXXX XXXX and private school loan from XXXX. 

My credit report in XXXX also showed XXXX and XXXX paid. But XXXX XXXX XXXX status is listed as Open as Unknown. I called XXXX XXXX XXXX and their customer service states, " Yes, the loans show here as paid. The discrepancy will clear up next month, because there is a backlog in reporting and updating status information. '' I called again last week and XXXX XXXX XXXX repeated the same and said they were not obligated to clear it up now. I complained to XXXX, XXXX and Equifax and they say I have to get XXXX XXXX XXXX to clear it up.
Consumer complaint received 2019-04-26
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. (FL)

To All party involve Equifax XXXX. XXXX  XXXX XXXX XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX   XXXX/XXXX XXXX # XXXX XXXX  XXXX # XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/1981 XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2019-05-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

In XX/XX/XXXX I made all of my loans direct loans in order to participate in the Public Loan Forgiveness Program ( PSLF ). I worked with an employee of XXXX XXXX XXXX to get everything in order to begin the program of making 120 qualifying payments to then be forgiven. I went on the repayment plan I was told I needed. I paid on time for years. On XX/XX/XXXX during my annual review I spoke to an employee who told me I had made 33/120 qualifying payments. On XX/XX/XXXX I faxed over my annual employment certification form and annual documentation of income for repayment recalculation amounts. On XX/XX/XXXX I was informed via phone that I only had 11/120 payments qualified! Since I should have been well over 40 I was shocked. I spoke to many different employees and was told in the end that I wasnt on the correct repayment plan from XX/XX/XXXX to XX/XX/XXXX. Due to their error, I now have only 59 qualifying payments towards PSLF when u should be at 120 soon. They provided incorrect information to their borrower and are doing it to many. If this situation is not remedied and my qualifying payments are not adjusted to reflect the 33/120 that I was given on XX/XX/XXXX I will hire a lawyer to expose what they are doing to make this process practically impossible for all. Thank you for your help in trying to remedy this unfortunate situation.
Consumer complaint received 2019-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

Earlier I made a complaint with CFPB regarding the fraudulent charges on the credit card ending in XXXX and HSBC was asking for a Police report which I filed already on XX/XX/2019. The Police report No. is XXXX and over all 32 charges have been reported as fraudulent amounting to {$1800.00}. They can contact the police department regarding this issue. 

So i do not have to make any kind of payments to HSBC, in fact HSBC needs to give me a credit of XXXX. 

I have marked all the fraudulent charges in the statements attached below. 

Ms. XXXX XXXX of HSBC was supposed to contact me on Monday ( XX/XX/2019 ), but she never did, I called her thousand times but to no avail. HSBC has hired some irresponsible people who do not keep up with their promises. ( Please see her email attached ).