davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-16
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (FL)

Loan was transferred, Seterus Inc. would not honor the terms, denied being the servicer, found it after 8 months, costing me greatly in legal fees, then told me I had to pay over {$14000.00} in a lump sum. Somehow {$70000.00} has been added to my mortgage, going up from, {$120000.00} to {$190000.00} ... ..last statement was handwritten. I feel that My civil rights have been violated, a direct violation of the 8th amendment. I believe that punitive damages are in order
Consumer complaint received 2017-01-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (FL)

Starting in the first quarter of 2008, AMRICAN HOME MORTGAGE, HOMEWARD RESIDENTIAL and now OCWEN have conducted malpractices with me the borrower in the past including ( among other things ) : robosigning, charging improper fees, providing false or misleading reasons for denying loan modifications, failing to honor in-process loan modifications agreed to by prior servicers. As a research was conducted on my loan origination and process a number of these malpractices were found and have proof on my records. such as lack of having thje original note of my loan and not felling ashamed on that and at least giving me a fair modification that I can effort to pay. Instead I have had to request modifications a number of times through the past 7 years but have not received. At times they would offer modifications that made not sense in our finances situation such as offering a mortgage payment of XXXX while my income was not even XXXX monthly. 
My financial situation now is better then before. therefore again I went ahead and requested a modification and again this bank shamelessly is not even giving me a formal denial As matter of fact the bank representative says that the bank thinks that I requested to many modifications and did not accepted me, also they say that '' the Investor '' does not want to modify the loan .And question is which investor? because i have prove that this bank has sold my loan in the XXXX 7 times. if you need prove and i can send to you. That is why they do n't even have the original note. but no formal answer has been giving to me.. I need help. I need this bank to be held accountable on the dishonesty that they di in the past. When this bank was convicted my court on doing the same with other consumers they promised to act better with people and this has not happened at all with us. Please help us. Make this bank responsible for what they do being under lots of stress because of this matter and I need help regarding these issues.
Consumer complaint received 2017-01-10
Product: Credit card — 
Issue: Application processing delay — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Hello Team, I recently applied for a Huntington bank voice Credit card upon a invitation call from the bank representative in XXXX MI branch. 
After i visited the branch and provided all information she went ahead with processing my application. After sometime she came back to me stating my application is rejected as I am not a US citizen. 

I have many different credit cards and I have been living here since 3 years on a work visa. I have an excellent credit score. 
I want to know : 1 ) Is it legal for banks to reject Credit card application even if the person 's credit score is excellent and has furnished all his documents to bank. 
2 ) The bank should clearly mention it in the invitation and advertisement that credit cards are only for US citizens. 

This has left me with a shock on why my credit card application was rejected due to citizenship even if I am a tax paying, law abiding person legally living and working in US. 
- The bank invited me and processed my application taking my 30 minutes just to answer back that my application is rejected. This is disgusting and very frustrating. 

I want your help for the matter to be investigated and proper justification from bank. 

thanks XXXX
Consumer complaint received 2017-07-14
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. (OH)

There is an error on my credit report from  XXXX   XXXX    XXXX   XXXX  . The credit card paid full but on the credit report it is showing unpaid. I contacted with the bank and they provide me confirmation number  XXXX
Consumer complaint received 2016-05-13
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: POLARIS HOME FUNDING CORP (GA)

I received a letter in the mail from Polaris Home Funding Corp. This I learned after I called the number which made the letter seem as if it was sent from my mortgage holder. I called only because the letter indicated I had a mortgage balance significantly higher than I have. The letter includes the name of my mortgage company in large bold faced font, an account number under my mortgage company 's name, and the notation URGENT NOTICE! PLEASE ACT IMMEDIATELY! Again, in HUGE FONT. 
I called the number ( XXXX ) and left a message. The voice mail greeting on the number gave a name only and did not indicate the name of the lender. I received a call back from a man who informed me he was with Polaris. He informed me that if I looked at the very bottom of the very official looking letter I received, I could see in the XXXX point font that the letter was from Polaris ( vs the XXXX point HUGE font used at the top of the letter with my lender 's name ). He told me the info in the letter including my mortgage balance comes from the marketing firm they use and can be wrong but assured me that Polaris is legit. He told me Polaris is acting within its legal rights to solicit, and the letter I received complies with legal requirements. 
Really? You send an official looking letter with a loan number on it and direct the recipient to call in immediately. The phone number in the letter does not indicate it is from Polaris. The voicemail greeting on the number provides a name only does not indicate the lender. If this is legal, it should not be. I feel for older borrowers or those who may not realize they are being scammed into contacting someone under false pretenses aka a solicitation letter that looks on its surface to be from the borrower 's lender but is not. 
These letters should require the solicitor to identify itself on the outside of the envelope, under the phone number presented in the letter and when answering the phone/ voice mail greeting. 
To send out this letter and have borrowers call in and divulge personal information should surely be against the law/ truth in lending requirements.
Consumer complaint received 2016-11-04
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX I became the victim of identity theft. I filed a report with the Police Department. The amount of the theft was close to {$50000.00}, or my life savings. My perfect credit was was ruined. Further, it was not possible to go after the person who had defrauded me ( he posed as a financial advisor ) because he died in XXXX of XXXX. It was information I discovered after I learned of his death that I found I had been defrauded. After I supplied copies of the Police Report to all the companies trying to get payments from me for things I had never charged, all but one of the companies and banks trying to collect money from me dropped their attempts to do so. The only one that has continued to pursue me is the Bank of America. Even after I, a senior on a limited income and now no savings, went to a lawyer and had him repeatedly contact the B of A, they would not relent. The Bank of America and all three of the credit report companies have received copies of my Police Report. After several years of frustration in this matter, I asked the man who helped me with my taxes, a XXXX, to contact the Bank of America. He did and they said they would stop asking me to pay back some $ XXXX, BUT they sent a form to him that said I had received that amount and had to pay taxes on it! The kind CPA said he would attach a letter and my Police Report to the IRS and they would not ask me to pay tax on it, as I had not ever made those charges. BUT after the IRS honored my XXXX 's letter, when I checked my credit report, the $ XXXX was still there from the B of A saying I owed them. The credit report companies ( XXXX, etc ) said there was nothing they could do about it, and the B of A could leave the charges there until XXXX, XXXX. I need your help to stop this. The Bank of America has already received copies of my Police Report as have each of the credit report companies.
Consumer complaint received 2017-01-09
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XXXX XXXX, 2016 I made a payment by wire Transfer to XXXX XXXX for XXXX XXXX XXXX listed as New. After not receiving any email confirmation and seeing some posting online, I contacted my bank ( bank of America ) to cancel the wire transfer, case XXXX, my bank then contacted XXXX bank who refused to cancel the wire, just and after only contacting the seller. So the transaction proceeded and to my surprise I received two used switches packed in the same box. I called immediately and after heated exchange, got the authorization to return the items, which I did the same day by XXXX. The seller then used many delay tactics to delay processing my refund. even though I did not received what i ordered, at some point I was even open to being charge restocking fee. It is now more 3 months after the initial transaction and the seller is yet to give me any refund. I believe at this point I am entitle to a full refund, and hope you can help get this issue resolve. I will join to this complaint all necessary documentation including email exchanges. I have contact the XXXX and XXXX you were unable to get a response from the seller XXXX XXXX ( XXXX ). I feel at this point even his bank XXXX if someone allowing the company to defraud customers by not responding to their complaint in a fairly fashion. And since I have contact the bank and not able to get the seller to corporate, that his Bank XXXX should be held also responsible for the transaction.
Consumer complaint received 2017-01-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION (TX)

I called compas bank several times to do a simple address change. XXXX the first person i spoke with stated that I abandoned my account. I asked how is that possible and was told because I have not made any deposits or withdrawals recently. He said i no longer have access to my account until the inactive status is lifted. Once lifted I can have access. He was supposed to escalate to corporate to have re activated and said someone would call me within 24 hours. No call received. I called back the following day spoke to a XXXX. He said account would be escheted to the state If status not removed. He said they were working on it in fulfillment and should be active within a few days. I call back XXXX spoke to a XXXX who said it was never escalated and that the fulfillment person rejected it. She said they needed more information from me to have status changed. Again gave all my information. XXXX promised me account would be reactivated that day and that she would call me back. Today is XXXX and still no call. 

They are unable to tell me what date this supposedly took place. I have a considerable amount of money in this account and am not able to access it due to this inactive status. I 've asked to speek to a supervisor several times with no avail. I 've called and spoke to 4 different people this week with no avail. Latest call was on XXXX to a XXXX who assured me account issue would be resolved that day and was to call me back once resolved. Still no call nor am I able to access my account. I am at my wits end. I am waiting for the bank to open so I can call again this morning.
Consumer complaint received 2016-12-11
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc (MD)

On XXXX XXXX, 2016, a fraudulent charged appeared on my Paypal account. I immediately contacted Paypal and disputed the charge a fraudulent. Paypal agreed to removed the charge. When my payment due date arrived I noticed the charge still on the account reached out to PayPal, tried to dispute the fraudulent charge and in direct voliation of the FCRA Paypal refused to allow the consumer to dispute said charge. Paypal directed the consumer to the vender XXXX. When I reached out to XXXX they also refused to allow the consumer to dispute fraudulent charges or provide proof the consumer placed charges on their Paypal account.
Consumer complaint received 2016-05-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: AFNI INC. (TN)

We had XXXX XXXX XXXX XXXX in XX/XX/XXXX, which we had problems with it working correctly. We called to cancel the service and a representative informed us that they would send a return shipping box for all of the equipment to be sent back to their warehouse. The day this was done we called to let them know and the representative informed us that we would not owe anything on this account. XXXX XXXX XXXX turned it over to a collection agency, then took it back and turned it over to another collection agency. The collection agency shows it as an open account for XX/XX/XXXX, the representative that I had talked with was very demanding and rude. We were told if we do not pay this account in full then we will be charged with criminal intent not paying this debt. I do not think this is good business for any company. I would not recommend XXXX to anyone.
Consumer complaint received 2016-10-19
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: CNG FINANCIAL CORPORATION (TX)

I have received several calls from XXXX XXXX XXXX stating that I owe for unpaid payday loans. They have accused me of check fraud and stated that they would be contacting the county office to file charges against me. I have told them that there were several internet payday loans taking out in my name and that I have been in the process of proving that it was not me. He stated that I was lying and that I stole money and closed my bank account so they could n't collect on it. I told him that the account was closed due to fraud, money being taken out, my personal information being compromised. I was talking loud because I was using the hands-free option in my vehicle. This processor called my job and left a voicemail stating that they would be calling me back and that next time I need to not be hysterical and that I would be served at my place of employment. He ended the call with " good luck catching the dogs. '' I have no idea what this meant, but I kept the recording and I want the harassment to stop. I 've had enough issues with my information being stolen and now I have to be threatened with legal action for something I have never done.
Consumer complaint received 2016-05-13
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NY)

I contacted my bank to dispute a group of charges that I knew were not authorized by me. The bank replied with contact the vendor to get it resolved. This is something that I have never experienced with them before. I have contacted them on multiple occasions and never had them not process the disputed charges. So I contacted the vendor we went through every charge and they informed me for unauthorized charges to contact my bank to dispute them. 
I contacted the bank again today, the dispute processor basically called me a liar. Then she told me she had to hear it from them because it is their job to settle the disputes. I asked when Chase changed their policy on disputes and wanted to speak with a manager. I waiting for 45 minutes and no one came to the phone.
Consumer complaint received 2016-05-13
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Data Corporation (LA)

TeleCheck declined a check written to XXXX XXXX on XXXX XXXX, 2016 there was no reason for decline since my account had the funds necessary for the purchase. They now want be to send them an extra {$25.00} fee. TRS Recovery sent me a letter stating that telecheck has purchased the dishonored electronic fund transfer. They want me to pay with a debit card now. I have not been able to talk to a person but I faxed them my response to this fraud.
Consumer complaint received 2016-07-06
Product: Debt collection — Federal student loan
Issue: Communication tactics — Threatened to take legal action
Company: Windham Professionals, Inc. (MS)

I was XXXX for 4 years and once I was released I tried to set up a payment plan but was told that i could not and would be sued, wages garnished etc. 
When they would call, my mother told them that I was in jail and tried to make arrangements to make payments for me but they could not give her any information.
Consumer complaint received 2016-07-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (SC)

I am filing this complaint against Experian because they have failed to provide me with the documents that their company has on file that was used to verify the account that I disputed. Experian is also listing a social security number that is not mine. Experian is also listing XXXX addresses on my credit report that are not mine. Please make Experian obey the Fair Credit Reporting Act, which says in part " credit reports must be 100 % accurate. My credit report will be 100 % accurate when these errors are removed.
Consumer complaint received 2016-05-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MB FINANCIAL, INC. (AZ)

mb financial reported 2 times 30 day lates on my credit report for the months when I was NOT late, had an auto pay and overpaid where they had to send me a refund in XX/XX/XXXX for the overpayment. but yet they are refusing to remove the 30 day lates reported for XX/XX/2015 and XX/XX/2015 which were NOT my fault but a failure on MB financial end to property set up my auto deduction and process payments, applying them to the correct account instead of sending me a refund for overpayment. see letters received and my responce to them attached
Consumer complaint received 2016-11-05
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (MI)

I have contacted Citibank at least eight times since XXXX XXXX regarding errors on my credit report. Initially, Citibank responded stating I needed to contact the XXXX credit bureaus about my problem. I did as Citibank instructed and received XXXX letters stating Citibank was basically at fault and would need to correct their error. I then wrote several more letters to Citibank, including a letter to the legal department " demanding '' these errors be corrected. Citibank sent me XXXX letters on XXXX/XXXX/XXXX, one letter on XXXX/XXXX/XXXX and one letter on XXXX/XXXX/XXXX, which stated they would correct the errors and it would take up to 30 days to be reflected on my credit reports. Today is XXXX/XXXX/XXXX, and my credit reports are still not accurate. I have spent many hours on this problem ( at least 15 ) and nearly {$20.00} in postage for the various letters sent to Citibank and XXXX credit bureaus. This is not right! I 've been a loyal customer for 21 years ( XXXX ). My credit report needs to be corrected. I also am " demanding '' {$5000.00} in compensation for my time and the financial resources spent attempting to resolve this matter informally. I have PDF scanned copies of all the letters I have sent to Citibank and XXXX Credit Bureaus and would be happy to share those with Citibank as proof. The dates of these letters are : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX ( x3 ), XXXX/XXXX/XXXX ( x2 ), XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. Also, my credit score continues to suffer and has suffered for over a year due to Citibanks inability to solve this simple problem.
Consumer complaint received 2017-01-09
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: PNC Bank N.A. (MD)

I have a balance of XXXX plus dollars on my account and there should be a XXXX dollar balance currently as all transactions were fraud on the account since XXXX. I filed multiple claims multiple times but they never got back to me or re-credited my account. I do n't even see credits from large fraud charges to merchant. PNC has not even proved to me that I made the charges. IF I know I did not make the charges, then how does them simply doing an investigation that does n't even entail any real proof make them correct and me wrong? There are many more charges of all kinds that I have not received credit for even though I claimed them as fraud and the investigations are now all complete. I should get all my credits valuing to the amount of my current total balance. I can not even see the statements at this point thus I do n't even know what charges PNC is holding my liable for as of now that equals my total current balance. This has already disrupted my credit report, so I also seek additional compensation for damages caused by them not changing my revolving my balance on time and having this account in bad standing for 6 months or more, for no reason, and I should not have to be responsible for such damage. If I knew PNC would have such poor response rate and fix to fraud charges, I would not have signed up for this credit card. I am even a preferred card member where I pay an extra XXXX dollars a year. They should treat me better than this. This is my third complaint against PNC now using this CFPB service. They still have not done anything. I have not seen any proof that any of those charges were mine ever since they occurred back in 2015. All the charges on the account, I have not even seen statements, hence I do not recognize any of the charges on this account at all. It has been a year and a half almost two years, and I have not seen credits. The policy of the card is such that if the customer does not recognize charges, PNC provides credits, and PNC still has not done so ...