davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-12
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (CA)

Dear Sir or Madam, I did not receive my bill statement on time and as result I was late with my payment for XXXX 2015. After that I had paid it in full. Late fee and residual interest was removed. I and my loan officer XXXX XXXX had multiple calls to Synchrony Bank trying to remove the late payment from credit report. We spoke with XXXX supervisors who hung up on us when we had asked for the letter. Finally one stayed on the phone with us the whole time and then came conclusion nothing could be done about the letter. 
Please help to resolve my dispute with Synchrony Bank and repair my credit. 
I beleave the Synchrony Bank customer service conduct is unacceptable and they do n't deserve to be XXXX service.
Consumer complaint received 2015-12-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NC)

Navient customer service agents misapplied a payment that I made on XXXX XXXX, 2015 and has since then, have been diligently attempting to collect a ghost balance that I do n't owe. They have reversed and reapplied the payment so many times that I can no longer see my previous payment history, only their mistakes. A recent collections manager told me that I underpaid my loan nearly a year ago in XXXX 2015 which is why this is happening. I have never received this information prior to today, and this error was apparently " discovered '' while they misapplied payments to my account, over and over again during the month of XXXX. I am very nervous about making any further payments until this issue is resolved, for fear of further erroneous postings and payment application leading to additional collections of false debts. The same Navient manager told me that his time trying to explain my " missed payment '' was a " courtesy '' to me and that he did n't have to do so.
Consumer complaint received 2015-06-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

In XX/XX/XXXX we filed for bankruptcy. At that time XXXX was our mortgage company. In XXXX of that same year XXXX XX/XX/XXXX XXXX XXXX mortgage company also filed for bankruptcy. XXXX was listed as XXXX of our debtors, however we did not file against them. We planned to remain in our home. XXXX XXXX took over our account in XX/XX/XXXX. So in XX/XX/XXXX when we filed bankruptcy XXXX XXXX was no where on the paper work. We only had XXXX mortgage company, XXXX. I am not sure how XXXX XXXX was added to the bankruptcy since they were not our mortgage company at that time. 

We have continued to pay our mortgage. Never has a payment been missed and there has never been any late payment fees accessed on our account. Because we always paid and had not been in contact with XXXX XXXX it was not until recently that we discovered that XXXX XXXX was on the bankruptcy. Now we understand that because we did not reaffirm our mortgage payments are not being reported to any of the credit bureaus. We need to have this information of a bankruptcy against XXXX XXXX removed. It is not correct and is noted as a negative on our credit report. Once this is resolved we will do whatever needs to be done to reaffirm with XXXX XXXX and continue to make our payment on time.
Consumer complaint received 2016-03-18
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The flight attendants on several of my XXXX XXXX flights got on the intercom and advertised that I would get a free ticket and extra miles for signing up for the XXXX XXXX / Bank of America credit card if I submitted my application while I was on the flight. I filled out the application and handed it to the flight attendant. The credit card I received in the mail was different than the XXXX advertised. What they did n't tell you on the flight is that they have XXXX classes of credit cards, and only XXXX of them has the benefits they advertise. I got the one without the free ticket. I also never got the extra miles that were promised for signing up on the spot. Once I realized I 'd just experienced a classic bait and switch, I refused to activate the card. I also called and cancelled the account. The customer service rep. told me that the annual fee would be waived. A couple weeks later, I received a bill for {$50.00} for the fee that had allegedly been waived. All in, it took three calls to customer service for the account to be closed and the fee to be waived. I love Alaska XXXX. It 's unfortunate they are pitching awesome benefits with no qualification and then delivering something else. The last customer service rep. mentioned that he had heard this complaint XXXX times. At best this appears to be ignorant flight attendants, but it feels much more like deceit.
Consumer complaint received 2015-11-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PROSPERITY BANCSHARES, INC. (TX)

Old name XXXX, new name PROSPERITY BANK ( XXXX, Texas branch ) used its business relationship with XXXX XXXX to abuse its mortgage lender status and increase XXXX XXXX 's flood insurance revenue via by using enabling mortgage origination documents. 
The Prosperity Bank mortgage origination documents are worded to allow the subsequent mortgage purchaser ( XXXX XXXX ) to require additional flood insurance over and above the loan amount even though any money above the loan from that insurance would accrue to the mortgage borrower, not XXXX XXXX. It appears the main purpose of that process to be to increase flood insurance revenue to XXXX XXXX. 
Such a process increases the risk of mortgage default as it increases the monthly mortgage payment cost to the borrower. 
The additional flood insurance was lender-assigned by XXXX XXXX as mortgage gap insurance ( so-called ) from XXXX XXXX subsidiaries which provide flood gap insurance. 
Non-payment of the gap insurance premium which became part of the monthly mortgage payment would be a mortgage default. As my mortgage was being held hostage to the additional XXXX XXXX gap insurance, in effect my choice was either pay the increased mortgage payment or lose the home. 
Prosperity Bank maintains an on-going mortgage origination and mortgage business relationship with XXXX XXXX, and coordinated mortgage documentation as a willing and integral participant to facilitate this process.
Consumer complaint received 2015-07-18
Product: Payday loan — 
Issue: Can't contact lender — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (NV)

Cash Central at XXXX XXXX XXXX XXXX, XXXX UT XXXX phone XXXX XXXX XXXX obtained a HARD Inquire from my XXXX credit files on XX/XX/XXXX without having my application for a loan fully completed. I could not provide XXXX references in order to have my application fully approved to procede with the application for a short term loan ; consequently, my application NEVER was approved. Cash Central decision to traspass my XXXX files with a HARD inquire had damage my financial needs since a HARD inquire had lowered my CREDIT SCORE.
Consumer complaint received 2016-03-20
Product: Credit card — 
Issue: Advertising and marketing — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

Santander Bank, NA had advertised a promotion on mass media for its XXXX credit card sometime in XX/XX/XXXX - XXXX XX/XX/XXXX time period. The promotion stated that if a XXXX customer charged {$1000.00} or more each month for XX/XX/XXXX, XX/XX/XXXX and XXXX XX/XX/XXXX the customer 's XXXX account will be awarded XXXX bonus reward points. I am a XXXX card holder and I liked the promotion offered so I decided to participate. For each of the XXXX months I charged expenses totaling {$1000.00} or more to my XXXX card. To make sure I had qualified for each of the three months I called Customer Service at Santander Bank after I received my billing statement and during each call the CSR ( Customer Service Representative ) assured me I had met the promotional requirement. However, when I did n't receive the XXXX bonus reward points I called CSR at Santander toward the end of XXXX XXXX to inquire as to the status. After several calls Santander Bank informed me that I had not met the requirement XX/XX/XXXX. My billing statement for XX/XX/XXXX did clearly show that I had over {$1000.00} in new charges. A Rewards Department representative then explained that the promotion required charges during the calendar month and not the billing month. This deceiving explanation totally surprised me and I strongly disagree with it because there is no easy way for the customer to figure out total amount charged during a calendar month. That is because a customer may execute a transaction within a certain month but if does n't get posted until the following month the bank may not consider it as having occurred in the month that it actually took place. This situation makes it almost impossible for a customer to make sure transactions are posted within a given month. For that the customer depends on the billing statement, which in my case has usually ended on the XXXX or XXXX of the month. 
For the reasons stated above I firmly believe that Santander Bank is exhibiting unfair consumer practice and CFPB needs to intervene on my behalf.
Consumer complaint received 2015-11-11
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (FL)

I applied online for a personal loan ( to help consolidate my current bills ) at Spring Leaf Financial. Main Focus is ... the fact that I was approved and was prompted to set up an appointment with the local office and get my loan. However I went into the location office only to find out that I was not approved due to my income. I was asked to verify and I promptly responded to another set of questions ( scrutiny progress begins ) with all the required documents needed. Providing that I am XXXX ... I understood that time was of the essence.! Nonetheless, immediately when I walked into the office with I was greeted with a denial because of my income and was told I would get a letter. I was like what just a minute here ... this company advertises something totally different from the experience I had encountered. Here is what concerns me I was told ... I would not get the loan due to company policy of my income not being enough. When I asked how could this be when I have an excess of {$1500.00} a month in my budget. I bring home over XXXX a year. Also, I was told that the student loans that I have would be factored into my budget!!! Then I asked how would my deferred student loans be an issue when they are not due and will not be until I graduate in 2018 ( currently enrolled as full time student )??? In believe she made up a payment amount of {$1000.00} per month for my student loans, as if I am not consciously aware of my budget. Providing that my student loans are currently deferred and in good standing according to my credit. She just picked a fictitious amount to personally deny me. Despite the fact that I was already approved online, not pre- approved but approved. More over she stated that was the company 's policy to consider all possible bills???? How can they just make up a payment amount to deny a loan? In my opinion I was approved until I walked into the office and they saw my color of my skin and gender. I feel and still discriminated against and I must say I am very disappointed. More importantly this experience was not an equal opportunity for me.
Consumer complaint received 2016-03-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX NO MISSED payments/ NO BALANCE cancelled due to loss/ stolen XXXX reported XXXX XXXX XXXX 11 years ago. 
can not reach anyone regarding account.
Consumer complaint received 2015-07-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (FL)

We noticed on our monthly mortgage statement a charge for " repair '' for {$200.00} XX/XX/XXXX. We inquired about this fee XX/XX/XXXX, and were told it was for Code Enforcement. We have never received any communication from Code Enforcement, so we requested a receipt or invoice of what was paid to be sent to us. We called Code Enforcement, and they had no such record. A week or so later, we never received the invoice. Today, XX/XX/XXXX, we called back to inquire on this charge, and after spending an hour and a half on the phone being bounced around their system, we finally spoke to XXXX at x XXXX. XXXX was less than helpful, but did say the fee was charged to file with the county that the house was vacant? I am not sure why something like this would be filed ; we have lived in our home, continuously, for just over eight years. Green Tree refuses to refund the payment, and is forcing us to pay this bogus fee, or else we are subject to their deceptive collection practices of late fees and the like. 

In addition, we paid them, accidentally, twice in XX/XX/XXXX due to the change in payment - since our bill pay feature was incorrect. So, in XX/XX/XXXX we paid twice the required amount. Now, Green Tree refuses to apply the second payment toward our XX/XX/XXXX bill, again, giving rise to the possibility of additional fees. 

Lastly, we applied for a second mortgage modification XX/XX/XXXX, given our XXXX mortgage was already modified. We received an IRS form XXXX for the relief of the XXXX mortgage balance to file with XX/XX/XXXX taxes, to this day ; we have not received any disposition other than the IRS for from Green Tree. We have spent hours on this matter to no avail. Each time we call, roughly once a month, we leave our names and numbers but do not ever hear back. This service is poor at best and illegal at worst. Please help us right our mortgage account.
Consumer complaint received 2015-06-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

In 2012 I paid off a collection and now the debt is back on my credit report. A collection agency named " XXXX XXXX, XXXX '' is harassing me by telephone trying to collect the debt again. I have attached my original receipt as well as the recent letter I received threatening to sue me. I believe I am being scammed. Can you please help?
Consumer complaint received 2015-12-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

my mortgage was transferred to Ditech few months ago from Green Tree, where i have file few complaints about charges they claimed they had made to my property, and the result to that complaint all fees were supposed to be waived. and a letter was sent the Office of the President also and the fees were supposed to be waived. Now Ditech who has my mortgage has been charging me something call ( CORPORATE ADVANCE BALANCE {$75.00} ) its under account information no real explanation why, but under my explanation of amount where it says escrow, interest, principal, now there is a total fees & charges of {$7.00} i called today to find out what are fees are for since, I spoke with XXXX # XXXX who told me its for repair that was done in my property so its been broken down every month. I have tried to tell her this issues were resolved but i could not get a word. My major concerns now my account has been bounced around from XXXX company to another company and their statements not even clear to understand the charges. I need help dealing with the charges on my account that are not supposed to be there and a better explanation of statement** CORPORATE ADVANCE BALANCE** no one understands what that is there for.
Consumer complaint received 2016-03-21
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC (FL)

We have paid Our current mortgage on time for the past year. They refuse to report our good credit payment history to the credit bureaus ; However if we are late or if there was a problem they will report us for having bad credit! This has cost us the ability to be able to refinance a new loan because we have no positive payment history. The manager XXXX ( XXXX XXXX ) from Ditech has informed us that because of their contract with their parent company XXXX XXXX home mortgage they 're not allowed to report any good credit from the mortgages they acquired from the old company. We were advised by our state representative to file a complaint through your agency ... This situation is completely unheard of by everyone including the company we 're trying to refinance with, our lawyer or our state representative. The mortgage broker who was in the process of getting as approved for are refinancing has advised us he believes that we are the victims of a predatory loan or some type of illegal behavior on the part of our current mortgage holder.. We can think of no other reason for the mortgage company to withhold our positive payment history other than to force us to stay with their company and not allow us to receive a new loan that would save us thousands of dollars on a new interest rate. This is completely unheard of is very unfair.
Consumer complaint received 2015-07-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SQUARETWO FINANCIAL CORPORATION (IL)

CACH , LLC KEEPS SKIP TRACING, BACKGROUND CHECKS UNLAWFUL SERVICE OF SUMMONS AND LAWSUITS. TCPA, FDCPA AND COLLECTION FRAUD ET..
Consumer complaint received 2016-01-07
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (VA)

My wallet and phone including credit card and passwords was stolen from my car in XXXX 2015 when discovered the next morning I called Barclays Bank and reported the card stolen and reported XXXX fraudulent ATM charges in the amount of XXXX that occurred. The charges were removed while the company investigated the charges. A full 3 months pass and I log into my account and see the charges have been re-added to my account with no explanation from the card company. I called again and again reported that those charges were not mine. That was roughly a month ago and since then no action has been taken to correct the situation and remove these charges from my account.
Consumer complaint received 2016-03-21
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I paid off XXXX of my credit card accounts with Bank of America XX/XX/XXXX. Recently, I began using XXXX of those accounts again. I received an email notice of an amount due ( of {$20.00} ) on the closed account and tried to access that account online to determine the validity of the charge and pay if owed. I was blocked from accessing the account by Bank of America. I called and for almost 2 months tried to get resolution on the problem they created. I finally relinquished and send them the {$20.00} payment, to which they assigned a {$1.00} late payment assessment. After two more months and several calls and internal emails to them, they finally credited my account and removed the {$1.00} late fee. In XX/XX/XXXX of this year, they wrote me a letter closing this account ( ending in XXXX ) stating " too many late payments '' on this account. The fact is that there were ZERO late payments for this account, so I called and spoke to XXXX separate representatives for this institution. The first said she saw no evidence of any late payments that would warrant closing the account in the records on the account. The second person I spoke with was a XXXX who looked into this and my other account with the bank, and she said that the XXXX account was in good status, however my other account had XXXX missed payments ( in XXXX and XXXX of XXXX ), even though it was paid up to date. I explained that while I received notice of payments due on that unrelated account, I was still being prevented from Bank of America from accessing the account to make online payments, Again, after XXXX months of internal online correspondence and multiple phone calls, I was able to once again access my account and changed my profile back to my original XXXX and password. Then, and only then was I able to make the payments. The Supervisor told me she would re-establish my account and send out a new card. She furthermore credited my account with the XXXX late fee assessments ( posting on XX/XX/XXXX ). She further apologized for the problems created by Bank of America and said she would look into the reports to credit agencies to get them corrected to show accurate information and no late payments. Consequently I received another letter from Bank of America dated XXXX XXXX, XXXX stating that they " were unable to approve my recent request to reopen '' my account, citing " too many accounts with balances and the amount owed on revolving accounts is too high. '' This is, of course, inaccurate and a false statement relative to my income and past history of credit card use and accounts. They also blamed XXXX XXXX, the company they provided with the false negative reports of " late '' payments citing a report received from them.
Consumer complaint received 2015-07-19
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (NY)

I recently check my credit report on XXXX and came to learn the there is a credit card listed on my report. It was supposedly opened in 1998 when I was XXXX years old. It has a credit limit of $ XXXX and a balance of a little more then $ XXXX currently. I did n't open this account and neither did any of my family members. It is listed as an account at Citi Bank. However when I spoke to CitiBank 's credit card department and gave them my social they said the account did n't come up. So somehow it is listed as my credit card but is n't listed under my social security number. And the weirdest part is someone other then myself is making monthly payments. Someone is paying the card minimum of around {$300.00} and something dollars a month. This is really hurting my credit and I do n't Know how to resolve this issue. Please Help! Thank you for your time. Have a great day.
Consumer complaint received 2015-12-29
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (IL)

I signed up for an XXXX Gold Rewards Card XX/XX/XXXX and promptly met the minimum spend requirement of {$1000.00}. The offer from XXXX was XXXX MR points upon completing the spend. These points have always been credited within 5 business days of meeting the spend and I 've yet to see them hit the account. Nobody at XXXX is helping me get the points into my account.
Consumer complaint received 2016-02-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NY)

Upon reviewing my report. XXXX XXXX XXXX falsely stated the term and payment for the mortgage to the Experian credit bureau. the mortgage servicer falsely state the term of 46years incorrect it is 40 year mortgage. It was reported that as of XXXX 2014 the loan was current that is a false statement. the loan was in default past due by 180 days. I have maild and fax doc proof. For this reason the items are to be remove from my file.