davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-07
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (MD)

My loan was service transferred from XXXX Mortgage to LoanCare Servicing on XX/XX/2016 ( I was never notified of this service transfer ). I began receiving collections calls from LoanCare in XXXX - I have NEVER paid anything a day late in my life and I knew the mortgage with LoanCare was paid months in advance. I called LoanCare and we were told " sorry you 're delinquent and have to pay. '' After I did a lot of research and digging, I identified that on XX/XX/2016 XXXX applied a payment to principal in error. I called XXXX and spoke with XXXX on XX/XX/2016 who acknowledged their error. At my request, I had XXXX call LoanCare with me on the line to find out how XXXX can get their error corrected since LoanCare is the new servicer. The representative we spoke with indicated for XXXX to email XXXX with a copy of the payment history showing their error for it to be corrected within 72 hours, which she did on XX/XX/XXXX at XXXX. I called LoanCare on XX/XX/XXXX, was told it has n't been fixed yet. Called LoanCare on XX/XX/2016, was told they never received the email, called back on XX/XX/2016 and was hung up on by two different representative because I requested a manager and was told I could n't speak to one and then after 45 minutes on hold was informed that I was on the phone with a supervisor and she would research the issue and call me back - I never received a call back. I then called today and after speaking with another very rude representative, I requested a manager. I specified a manager and was transferred to XXXX who informed me that he was the Customer Service Manager. XXXX in fact is a Collections Team Lead, NOT a Customer Service Manager. XXXX was incredible rude and disrespectful on the telephone to me. After over an hour on the phone ( of which 95 % of that time I was on hold by XXXX ), XXXX disconnected me from the call. I then called back and was put into XXXX 's voicemail in which I informed him that I was filing the CFPB complaint. Later, I received a call back from XXXX, I had to re-send him the information from XXXX and was told that they would try to fix the issue. I am appalled by the level of customer service and the amount of time I have had to spend on the telephone with LoanCare to get a simple payment history error corrected. The evidence of XXXX 's error, from XXXX, has been sent to LoanCare over 3 times now and may payments are still showing delinquent. I am aware of the service transfer laws where I have 60 days until credit report and late fees are assessed, well, that 60 days is up XXXX and my payments are still incorrect. Not only have I wasted my time spending hours on the phone with LoanCare, but I 've been disrespected, talked down to, and hung up on more times than I can count. I have already informed my attorney that to prepare to file a lawsuit if this issue is not resolved as this is unacceptable in my opinion.
Consumer complaint received 2020-01-24
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/2019 I was involved in a car accident that resulted in my car being totaled according to the insurance company. At that point, I had only had the car for 2 months and was making on time auto payments through Wells Fargo. I was rear ended in the State of NJ, which by law automatically puts the other driver at fault, and was confirmed by XXXX. XXXX agreed to pay for what they valued the car at and I opened a case with GAP insurance to cover the remainder. This pay out process took months to rectify and all the while I received no communication or updates from anyone, including Wells Fargo. They continued sending statements but there was no indication of what was actually owed. Between XXXX and XXXX I received non stop calls from Wells Fargo claiming they were attempting to collect a debt and when I spoke with them on the phone in XXXX, they claimed GAP did not submit a payment. It was not until I called and spoke with someone at Wells Fargo on XX/XX/2019 that I was informed GAP did make their payment and I owed {$1400.00}. The woman I spoke with was extremely rude and did not attempt to offer me any suggestions to resolve the issue. When I asked to speak to someone else the only option I was provided was to set up a " payment plan '' that would result in an inquiry on my credit report. I felt this option unacceptable considering this entire ordeal has severely impacted my credit already. I then confirmed that there were no other options, to which the rep said no. I requested to speak to a supervisor and he told me she was " unavailable '' and that I should call back. That was the worst customer service I have ever experienced, and considering I work for a bank I did not leave that call feeling at all like a valued customer.
Consumer complaint received 2015-06-24
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Total Finance AC LLC (IL)

I have a current loan open with Total Finance out of XXXX. I am having some issues as far as harassing and extremely demeaning treatment from multiple representatives there. And every time I have tried to speak with someone in management I have been hung up on. My XXXX is not very good, and I am thinking that maybe that is why I am being spoken to that way. Today XX/XX/2015 I called to place my son on as POA, so that he could better understand them so we could clear up any further issue they may have, which I will explain their current issue in a moment. Instead of being helpful, my son was yelled at and ridiculed as if he was not smart enough to handle the matter. I am now beginning to have anxiety about the treatment and with no manager to ever get on the phone, I do n't know who to turn to. 

As for the issue they are having, of course I keep a current loan with them, and I do fall behind from time to time. I have been paying for over XXXX months, and yes I have been late several times, but my intention is to pay always on time. My issue is that they are calling my sister and mother with the same type of harassing demeaning approach. Please I need help on what to do.
Consumer complaint received 2016-11-07
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Nations Recovery Center (AZ)

Debts were incurred to XXXX around 15 years ago. The total claimed is around {$41000.00}. The debt has never been affirmed or refreshed. To the best of my knowledge, no judgment was ever obtained. Even to the extent that it had, then it would have expired long ago. However, the company ( national recovery center, inc. ) is now attempting to collect this debt. ( note, i submitted an earlier complaint against National Recovery. that name was incorrect, and this complaint corrects that mistake ).
Consumer complaint received 2016-05-23
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: Servis One, Inc., Titusville, PA Branch (OR)

I spent hours on the phone with BSI Financial representatives discussing options that would provide an alternative to a short sale to my XXXX/XXXX non-traditional mortgage ( credit line ). I submitted a hardship package, including a letter detailing private, emotional details of my life, based on their assurance that the investors would consider a lower negotiated amount to avoid a credit hit that did NOT involve a short sale, given the negative impact this would have on my ability to refinance my primary residence and set up a stable life for my son and me. They agreed that if I could find a way to come up with the sum, they would negotiate a lower amount. 

They did provide a lower payoff, which they promised would not be entered as a short sale. Soon after - only 48 hours before closing, I received the paperwork in which " short sale '' was peppered throughout the documents. I called assuming this was a mistake, so I called to confirm. They told me this was true, that it was a short sale and would impact my credit. So, essentially, they tried to trick me into a short sale, the exact situation I was focused on avoiding. Since then, they have been harrassing my real estate lawyer for the money, even though I still have time. 

I absolutely can not sustain a short sale, which I made clear. I short sale keeps me from refinancing my primary residence, getting a car and just generally getting my feet under me again after a terrible divorce. 

My goal is to find an option that allows my house to sell to my current buyers, which would include me paying the agreed upon lower amount but without the hit of a short sale. 

Thank you in advance for your help. 

Separately, I got this unusual mortgage in 2007. I was wooed into it, along with many other Americans. And, along with those hope-blinded fools, we bought into a dream we could n't afford with a mortgage we just did n't understand. I 'll always remember our agent 's hands excitedly flailing about describing this strategic new mortgage, never truly understanding what it all meant but buying into her excitement and loving the way " upwardly mobile '' sounded as a description for us. Now I am paying for that confused excitement. I feel I was taken advantage of in my XXXX and now it is continuing to happen now, even as I am trying to just pay off the mortgage balance and get my life in order without a credit hit.
Consumer complaint received 2016-10-31
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (PA)

This is an additional inquiry to Citicards. This additional inquiry is necessitated by the fact that Citicards has repeatedly failed to answer XXXX simple question regarding my Citi ( R ) XXXX Platinum Select ( R ) Visa Card ending in XXXX. As a result, I will ask the question here again with the hope that a rational and intelligent human being at Citi can provide an answer. 
What is the date of first delinquency of this account? 
Can Citi provide all information reported to the Credit Reporting Agencies regarding this account upto and including XXXX 2014 - the month that Citi stopped reporting this account? 
I understand that Citi no longer owns the account and no longer reports the debt to the major credit reporting agencies. I also understand that Citi is the original creditor of the account, and can provide information pertinent to this case. I also understand that Citi is liable for violation of the FCRA for willfully providing dishonest and inaccurate information to debt collectors in a bid to aid its debt sale practices. I also understand that this is a follow-up to CFPB Case # XXXX. 
This is the final request before this complaint is forwarded to an attorney for legal action. 
Sincerely, XXXX XXXX
Consumer complaint received 2020-11-28
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-01-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica (MI)

My XXXX XXXX that was linked to my business account was hacked causing my account to go into the negative {$2800.00}. Upon notice, I immediately contacted the bank and XXXX XXXX to resolve this issue. Despite numerous transactions occurring back to back, one minute after another, there was no proactive fraud prevention and this bank allowed my account to be severely depleted as well as accumulate over fifteen overdraft fees. It is now approaching day 30 of this investigation and this situation has yet to be resolve which has tremendously affected the day to day operations of my small business. I am aware that investigations could take up to 45 days but XXXX XXXX has already admitted fraud on XX/XX/2020. I have contacted the bank on multiple occasions to receive information on the timeline of this investigation. Each time, my contact information is requested and I am told I will be contacted after further investigation into the situation. I have yet to be contacted and informed of the status of this case or any reason for the delay.
Consumer complaint received 2016-11-07
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CITIBANK, N.A. (AZ)

Debts were incurred to Citibank around XXXX years ago. The total claimed is around {$41000.00}. The debt has never been affirmed or refreshed. To the best of my knowledge, no judgment was ever obtained. Even to the extent that it had, then it would have expired long ago. However, the company ( national recovery center, inc. ) is now attempting to collect this debt. ( note, i submitted an earlier complaint against XXXX. that name was incorrect, and this complaint corrects that mistake ).
Consumer complaint received 2016-05-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (FL)

Citi bank had a promotion for City Gold Checking where they would reward you with XXXX airline miles if you completed all the requirements. I opened the account in XX/XX/XXXX but they made a mistake and opened a basic checking and when I inquired they stated they had system issues but they did find my application in the gold department finally. I had made out XXXX applications for the gold as their system was down and they instructed me to fill out another application. I finally got the account set up for the gold and the funded the account. I inquired with a rep named XXXX to see that I was set up for the correct promotions of XXXX American Airline miles and she assured me that I was and stated they were going to waive the monthly fees because of the issues. After a couple of weeks I contacted Citi Gold again and talked with XXXX and reviewed with her all the requirements that I needed to meet by the XXXX XXXX, 2016 deadline. I meet all the requirements within the time frame and contacted Citi by message to verify that I had met them and received the attached response that I would be awarded the miles in my American account by XXXX/XXXX/2016 and I checked and they were not there by XX/XX/XXXX. I contacted Citi and the rep stated that XX/XX/XXXX was not a business day and to wait and they would be in the account. I then waited two days and then contacted Citi again and they put in a claim which came back and stated there was no promotion offered in conjunction with the opening of my account but every rep I contacted before stated the opposite. You had to enter in your offer number in order to even get to the application page in order to apply for the account. I since have contacted Citi twice and again each findings state the same thing and I now know that as of XXXX/XXXX/2016 Citi was not issuing any miles to anyone so I have no idea how many people have been denied the miles they were entitled to.
Consumer complaint received 2020-10-15
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Debt Solutions Inc (SC)

On XX/XX/XXXX I received calls at XXXX and XXXX. The calls were to collect a debt from XXXX from a company I had never heard of. I asked to receive a verification of the debt. He said it was already verified and sent to an email I have never used and did not recognize. I asked him to email to XXXX and told him I would call back. I told him not to call XXXX anymore because that is my wife 's phone. On XX/XX/XXXX I received a call again attempting to collect the debt. I told him I had not received the verification letter and until that happened, I couldn't do anything. I asked him to not call me or my family on any numbers and that I would call them when I received the verification. He told me he would call me whenever he wanted and that I couldn't tell him how to do his job. He said I already verified and acknowledged that the debt was mine and that I owed it. I told him that was not true. I then asked him to send the verification and told him that it was my right to not be harassed or receive phone calls. He told me I better do my research and pay my bills and then hung up on me. He then called my wife at XXXX and left a message saying he was talking to me but that we got disconnected and I needed to call back to handle my business.
Consumer complaint received 2016-05-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

XX/XX/XXXX, I opened a Citibank CitiGold checking account with a bonus offer attached. The bonus offered XXXX XXXX XXXX AAdvantage miles for scheduling two bill payments in consecutive months and spending {$1000.00} with my debit card. 

After I had met the requirements, I confirmed with Citibank via Secure Message and received confirmation on XXXX XXXX, XXXX that I had completed them. 

" After further review of your account, I can confirm you have completed the requirements for the XXXX XXXX miles promotion offer. The promotion states that you will receive the points within 90 days from the end of the statement cycle in which you completed the requirements. You completed the requirements XX/XX/XXXX and the 90 days will begin on XXXX/XXXX/XXXX. You can receive the miles no later than XXXX XXXX. If you do not receive the points, please contact Citibank and we will submit an investigation to the missing miles on your behalf. '' In XX/XX/XXXX, I double checked when I would receive the bonus by, and XXXX replied that I would receive the miles no later than XXXX XXXX, XXXX. 
" Please make a note of your promotion code : XXXX. I confirmed you completed the {$1000.00} Debit Card Spending and bill payment requirements in your XX/XX/XXXX cycle period to earn XXXX XXXX Miles. According to the promotion terms the bonus points will post 90 days from the end of the statement period when the requirements were met. Please allow time for the points to post by XXXX/XXXX/XXXX. '' On XXXX XXXX, XXXX, I did not receive the bonus points as promised. 

I sent further secure messages to inquire about why the points did not post, and Citibank claimed they had to investigate whether or not I was eligible for the account. 

On XXXX XXXX, I received a signed letter from XXXX XXXX from Citibank, stating that I was indeed eligible for the bonus, and that I should receive them within XXXX days. Today is XXXX XXXX, XXXX days past the deadline for receiving my original bonus of XXXX AAdvantage miles, and past the additional XXXX days given from the investigation. 

Even though I have been assured by Citi that I met all requirements to receive my bonus, the bank is now delaying to honor their end of the agreement.
Consumer complaint received 2015-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CO)

EXPERIAN / XXXX / XXXX XXXX ALL THE MAJOR CONSUMER CREDIT REPORTING AGENCIES ARE REPORTING FRAUD ACCOUNTS AND WILL NOT BLOCK OR REMOVE ITEMS AS OUTLINED BY LAW. PLEASE SEE ATTACHED DOCUMENTS AND POLICE REPORT ALONG WITH LETTERS FROM THE COMPANIES REPORTING NEGATIVE AND FRAUD ACCOUNTS. ALL ACCOUNTS REPORTED ON EXPERIAN / XXXX / XXXX XXXX SHOW FRAUD ACCOUNTS OPENED BY XXXX XXXX USING MY NAME / SS # / DL # AND XXXX XXXX XXXX XXXX BANKS ACCOUNTS THAT I 'VE BEEN EXONERATED OF ANY DEBT OR LIABILITY.
Consumer complaint received 2016-03-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MN)

I reviewed my Experian credit report and there is XXXX unauthorized and fraudulent credit inquiries on my credit report that do not belong to me. The following unauthorized and fraudulent credit inquiries listed on my Experian credit report do not belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. I want Experian to delete the unauthorized and fraudulent credit inquiries from my credit report immediately.
Consumer complaint received 2022-10-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc. (TN)

On or about XX/XX/2022 my MoneyLion checking account was charged about {$170.00} via my debit card linked to this account from a company called XXXX. I contacted MoneyLion and XXXX to advise them I did not initiate these charges indicating I was filing a transaction dispute of these 5 charges adding up to {$170.00} and was requesting the charges be reversed and credited back to my account. Both companies denied there was any kind of error with the charges after I clearly stated I nor anyone I knew had made these transactions and they refused multiple times to reverse the charges and credit my account. XXXX is a ride/delivery merchant, similar to XXXX, that operates on 4 continents, non of which includes the United States . Myself or anyone I know has been in any of the countries served during the times of any of these charges being made. The transactions in question are fraudulent and should be reversed to my MoneyLion account!
Consumer complaint received 2016-12-05
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (WI)

My credit card issuer, Synchrony Bank, assessed my account with a late payment fee of {$37.00} on XXXX XXXX, 2016 that was a direct result of their online payment system being unavailable to access requests from XXXX and Customer Care Agent in providing incorrect payment processing information. In speaking with their technical support services staff on the payment due date of XXXX XXXX about the issue they informed me that they were not able to provide an alternative and advised me to contact the Sychrony Bank Customer Service line during regular business hours. They assured me that my access attempts and phone call were logged and that the matter would be rectified without penalty. I followed up with a phone call to process a payment over the phone and unknown to me at the time the payment was processed for another unrelated Synchrony Account. In following up on XXXX XXXX I called into their service center where an agent informed me that because of my " account type '' they were not authorized to reverse any fees - despite the origination of the issues I had being with Synchrony Bank. I escalated the phone call and asked to speak with an Account Manager who was inflexible about the position and insisted, in our approximately 30 minute phone call, that I held ultimate responsibility for their error.