davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (CA)

Per law, 15 USC 1692c ( c ), if a consumer notifies a debt collector that the consumers refuses to pay a debt the debt collector must cease all communications, this includes debt being reported to credit agencies. 

I have sent this company a cease and desist and the company has refused adhere to the federal guidelines by ignoring my request in my attempts to resolve this matter. The company has also been found to impose as a collection agency when it is listed that this company is not legally blinded and or insured to collect in the state of XXXX. Credit bureaus have all been notified as well and has refused to cease collection reporting for said accounts advised. 

Please have the company crease all collection activities as this is my final attempt to complain outside of court.
Consumer complaint received 2024-09-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: TRUIST FINANCIAL CORPORATION (FL)

A simple loan modification to remove ex-wife from the mortgage due to divorce. Rather than a simple modification, I was forced to go through an entire closing process with excessive demands for qualification and excessive and improper closing costs for a mortgage that was already in my name. Even though I was well financially qualified ( assets far in excess of the loan amount ) and had home valuation over two times the amount of the loan, I was put through the ringer to " re-qualify. '' In addition, I was forced to pay excessive closing costs, including appraisal fees, credit reports, lender 's title, lender 's endorsement, settlement fees, document fees, a modification/assumption fee, etc etc. This should have been a simple loan mod without all of the fees paid again. Initially they had estimated over {$7000.00} in closing costs for a simple loan mod. When I complained it was reduced but still had to pay over {$3500.00}. 

Right before closing I was instructed not to make the payment for the current month and then received a late fee and overdue payment notice.
Consumer complaint received 2016-12-10
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (IL)

Received a letter from the lender indicating that my interest only loan will change. I called the lender and I was transfer to a loan officer who ran my credit and application with a wrong social security number. Loan officer fail to provide me disclosures within three business days. A week later follow up and find out that there were not loan in process. Loan officer confirmed that the loan was in progress and the rate was lock for a HARP 30years loan fixed at 4.375 %. Two weeks later he had to retake my application and I was not able to login to review disclosures. When the hard copies arrived I noticed that the social security was wrong. Two weeks later he change the terms without my consent.
Consumer complaint received 2017-01-26
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (CA)

Dear Consumer Financial Protection Department Complaint Department, I am having a six month dispute involving a cashier 's check dated XXXX XXXX, XXXX issued by XXXX payable to Caliber Home Loans for my XXXX XXXX, XXXX payment of my mortgage account that has still not been resolved. XXXX claims again as recently as XXXX XXXX, XXXX that they honored this check in XXXX of XXXX stating that Caliber Home Loans ran this cashier 's check through twice attempting to collect after is has already honored ( paid ). Caliber Home Loans claim as recently as today that XXXX has never honored this cashier 's check. 

Both financial institutions have completed investigations and their positions remain the same after more than six months. This has caused me unnecessary stress and has damaged my health as my home of more than 40 years is once again under the threat of foreclosure by Caliber Home Loans. I was advised to file an Incident report with the Sheriff 's Department which I have now done. 

I am trying to file a complaint with the Consumer Financial Protection Bureau, I have contacted my new U.S. Senator and the California Attorney General is hope of getting this matter resolved short of litigation. I am a senior citizen residing in California with medical issues. Please make sure that this complaint is properly filed and a case number is sent to me soon. Thank you!
Consumer complaint received 2016-12-09
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Choice Assets LLC. (NY)

I keep receiving calls from 1st Choice Assets. I owe XXXX debt, when they call they will not tell me why they are calling unless I verify my address first. They call me 2-3 times a day and I keep telling them to stop calling me. It is becoming frustrating because they call anywhere from XXXX to XXXX daily. I know for a fact I owe XXXX debt and have no liens against me. They need to stop calling me!
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AmeriHome Mortgage Company, LLC (TX)

I am writing to dispute the documentation provided regarding my mortgage account. Specifically, I noticed that the Notice of Furnishing Negative Information you have on file is from XXXX XXXX XXXX XXXX, not from Amerihome. This raises concerns about the accuracy and validity of the information being used.

I request that Amerihome provide proof that I signed a Notice of Furnishing Negative Information specifically with Amerihome. Additionally, I would like documentation showing that Amerihome contacted XXXX XXXX XXXX XXXX to verify all payments received and transferred correctly between the two companies.

Please send me this proof at your earliest convenience, as the current documents appear unverified and inaccurate.

Thank you for your prompt attention to this matter. I look forward to receiving the requested documents soon.
Consumer complaint received 2024-10-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (AK)

I recently opened a savings account with Citibank and deposited {$500.00} in it. When I got my atm card in the mail, I tried to activate it and was locked out of my account. I have tried several times to get access to my account by calling customer service and they say that my answers to their security questions dont match and that I can not get access without my savings account number, which I dont have. So I am locked out of my account and unable to access it now our use my bank card.
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (IL)

The loan continues to be transferred from servicer to servicer changing rates and adding fees. I could no longer pay the ballooned loan and it was suggested that I defer he loan, I was not informed interest would continue to compound. The loan is now out of control I do not know how I will ever get out of debt. I was lied to, misrepresented to, taken advantage of, and failed all for naiveness profit multiple times.
Consumer complaint received 2024-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Valon Technologies, Inc. (FL)

I was notified on XX/XX/2024 ( via email ) by XXXX that my loan has been sold to a new Servicer- Valon Mortgage . On XX/XX/2024- I attempted to log into my account at Valon Mortgage and did not see my loan information. I contacted Valon and was told that the transfer of my loan data has not yet occurred but I will be notified once the transfer has been completed. On XXXX the XXXX XXXX I received an email from Valon Mortgage stating that my loan will be transferred from XXXX to Valon on XX/XX/2024 and there is nothing for me to do. On XX/XX/2024- I made my mortgage payment ( {$2000.00} ) to my XXXX account as usual.. On XX/XX/2024 I received an email from Valon stating that my loan has been officially transferred from XXXX and I must now Register Online. I proceeded to register online and did see all my l loan details- however the payment I made to my XXXX account on XX/XX/2024 was not reflected it showed me owing the XX/XX/2024 payment. I immediately contacted Valon and inquired as to how they will ensure that the payment made to XXXX will be transferred to my account at Valon in order to avoid a late payment or credit impact. I was told by a very " rude '' customer service representative " XXXX '' - that they will not be assessing any late fees until after XX/XX/2024.. HOWEVER.. as far as making sure the payment gets to Valon is my responsibility. I attempted to ask more questions but was told by the CS Rep that I needed to wait for her to finish telling me what she was trying to say.

As a consumer- the transfer of my loan to a new servicer was not in my control and both ( XXXX & Valon ) organization has the responsibility to ensure all customer loan information has been transferred accurately. I have signed into my XXXX account- which now shows a loan balance of {$0.00} - and the fact that my payment was last payment was applied on XX/XX/2024.
Consumer complaint received 2024-09-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (GA)

I filed complaint ID # XXXX with the CFPB on XX/XX/year> against Citibank. I wired {$730000.00} on XX/XX/year> from XXXX to a XXXX brokerage account that did not credit to the account. The funds were apparently held at Citibank for insufficient account information although XXXX sent a XXXX message to verify the account numbers. 

Citibanks response to my complaint stated they wire transfered the funds back to XXXX and the transaction was completed on XX/XX/year>. 

I spoke with XXXX today XX/XX/year> and they informed me that they received confirmation from Citibank on XX/XX/year> that the were in possession of the funds however the sender ( Citibank ) delayed the transaction by holding on to the funds and therefore XXXX did not actually receive the money occur until mid afternoon XX/XX/year>. 

The previous information provided by Citibank in their response statement to my original complaint, appears to not be truthful or accurate. 

If banks have a right to do this, then its nothing more that legal theft.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TrueAccord Corp. (NV)

XXXX says I owe an alleged debt of {$110.00}. 

XXXX will not accept payment from me directly. They refer me to true accord, their debt collector. 

True accord will also not accept payment from me. 

This leaves me with no option to settle the alleged debt.
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: GREAT LAKES (VA)

I was attending XXXX University in XX/XX/2011. I had completed 2 semesters when myself and the rest of my classmates received a call to inform us not to come to class the rest of the week and we would be informed later as to what was going on. Well the school lost accreditation to their XXXX program. We were all involved in a lawsuit that was settled through the college insurance. It was only a very small portion of our loan amounts due to the large number of students involved. Anyways we were still left with a very large debt and no degrees to increase our salaries to pay these debts. I am struggling to repay these loans and it has really damaged my credit report. Gendering me from buying a car and the necessary items one needs. XXXX scammed us. They are letting me defer my payments right now due to my income but they are still adding interest to my loans at a high rate. Every time I get a job that pays decent they expect {$400.00} to be payed to them monthly. Sometimes more. I feel like I 'm never going to get this taken care of. What they are doing is wrong. Please help. The college needed up losing all of their accreditation and had to shut down. XXXX University XXXX XXXX campus.
Consumer complaint received 2016-12-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The Stark Collection Agency, Inc. (FL)

This debt is in a debt mgmt repayment program and the collection agency has accepted and cashed payments for this debt. Acceptance of the payment was acceptance of the payment plan which they were sent by XXXX. I was not given an opportunity to dispute the debt before they placed it on my credit report as a collection. They have been accepting payments since XX/XX/2017
Consumer complaint received 2016-11-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: National Credit Systems,Inc. (TX)

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents.
Consumer complaint received 2016-12-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: NCC Business Services, Inc. (MO)

I have disputed multiple times a collection account listed on my credit report that was XXXX in a bankruptcy. The collection agency NCC Business Services is still reporting that I owe a balance on my credit report.
Consumer complaint received 2016-12-10
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: PENTAGON FEDERAL CREDIT UNION (MD)

This is a complaint against Pentagon Federal Credit Union my member # XXXX. A check number # XXXX in the amount {$980.00} was cashed XX/XX/XXXX. On review of my bank statement for taxes recently after recovering from my ill health I do not know who wrote the check and who cashed it.The line says Usda XXXX. This is the same line that is seen when the bank charges a fee Pentagon says cjheck was transmitted to them electronically and they cashed it they do not have a copy of it. Initially Pentagon said that it is not Pentagon 's policy to verify electronic transaction unless the consumer alerts them anything that comes through they just cash it. I question that if anyone having access to my account information can write checks electronically and they get cashed. Pentagon now allege they had two years to inquire and the time has passed so they can not inquire any further from the other institution. They allege it could be department of agriculture so I write to department of agriculture and inquire from them as they are not responsible for the check that was cashed since it came electronically. I have nothing to do with department of agriculture they provide no documentation of their inquiry either There is a check number to this transaction and so they should have had a copy i did not authorize an electronic transaction. I need them to give me my money as this was not an authorized transaction or Pentagon provide proof that the check was written by me. Two weeks ago I had spoken to the following XXXX XXXX XXXX ext XXXX, I spoke on XX/XX/XXXX XXXX XXXX ext XXXX and her assistant XXXX ext XXXX as XXXX has not answered my messages. XXXX and XXXX have tried to block information and were non cooperative. XXXX was cooperative first now she has disappeared and does not return my calls XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2016-05-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

HSBC Mortgage Service Center is my current lender. I filed Bankruptcy in XX/XX/XXXX and discharged in XXXX XXXX. My credit report is incorrect. I am trying to refinance my home and because of this inaccurate reporting I 'm unable to move forward. They have not filed any payment history and recorded my bankruptcy as XXXX XXXX. I have remained current on my payments with them since my bankruptcy discharge which reaffirms my debt. I have requested in writing, calls, faxes to have this fixed on my credit report with HSBC as well as XXXX, XXXX and XXXX to no avail. I have attempted XXXX times with all supporting documentation ( Bankruptcy Discharge dated XXXX, payment history, credit report showing inaccurate information ) and neither HSBC nor the credit bureaus are willing to help. Both point to each other that it is their responsibility to correct this on my credit report. I desperately need assistance in having HSBC Mortgage Service Center be added to my credit report with the correct payment history and correct BK date of XXXX XXXX. I can provide all supporting documentation to you if needed. I appreciate your time and assistance and can be reached at XXXX. 

Kind regards, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, VA XXXX
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (FL)

Good evening : I took out approximately {$42000.00} in the early XXXX, and I have been paying for over 19 years, and now I owe {$54000.00} ; and I ca n't seem to understand why my principal never went down at all after all this years. Another thing is that I worked out a change on my student loans, to make my payments more affordable at the beginning of the XXXX ; and now without my agreeing to it, Navient change all the terms of the loans, back to the XXXX, when I could not afford them ; I get the impression that they want me to default. I asked them for a complete print out of all of my loan transactions over the years, and any changes to my loan terms ; to see if I can understand what is going on with my loans. The loans just keep increasing, and 19 years have gone by and there is not change ( I guess every time I took a forbearance, I had to pay the interest and then pay interest on the interest ) ; I also think that I should have the right to review and signed any changes to my note since I am the borrower. 
Thank you. 
XXXX XXXX
Consumer complaint received 2017-01-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Midwest Recovery Systems (MS)

Initially was not given a written notice to dispute debt. After I received it via email, I responded in writing to dispute the debt. I did not receive any response, and was then contacted months later stating they had reported the debt to the credit bureau. I had requested documents to forward to my lawyer, but they stated they could only provide verification and documentation to the lawyer and would not provide any verification of the debt. After speaking with my lawyer, he advised that it would not be financially beneficial to retain him for the amount of the debt and advised me to file a complaint for the company 's lack of compliance of debt collection policies and procedures.
Consumer complaint received 2017-01-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MS)

On XXXX XXXX, 2016, USAA bank restricted my access to my bank accounts. The bank subsequently closed my accounts. They told me they sent a check to my address on XXXX XXXX. Over the course of the past 2 months I have spoken with the bank in 29 phone calls. When I spoke to the bank today, the representative told me the bank sent the check to the wrong address. He went on to tell me the bank could not stop payment on the check. He said I would have to wait another 90 days. At that point the bank will issue another check, and mail it to me. 

The bank has approximately {$20000.00} of my money. I need that money. They have held it from me for 2 months. Now they are planning to hold it for another 3 months. Surely, the bank has the ability to cancel the check they sent to the wrong address. They have the ability to mail, wire, or ACH the money to me. They are hiding behind policy and choosing not to return my money to me in a timely manner. Further, since the bank restricted my access to my accounts, they have not provided me monthly account statements.
Consumer complaint received 2016-11-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (CA)

The item with XXXX XXXX was deleted from my Equifax credit report on XXXX/XXXX/XXXX and it was re-inserted back on my credit on XXXX/XXXX/XXXX. There was no reinsertion notification as required by law. 

Equifax, XXXX and XXXX FAILED to notate on my credit report that this item was in dispute per the FCRA. 

I 've been dealing with this issue for 2 years now and they reinserted the item back on my credit without notifying me within 5 days. 

They are in violation of the FCRA/FDCPA on the following counts : 1 ) Neither XXXX, Equifax nor XXXX, notated the item in dispute. Still current report is not notated. 
2 ) Equifax deleted item and reinserted back on my credit. 
3 ) Equifax did not notify me within 5 days nor did they send me any information at ANY time informing me of the reinsertion. 
4 ) XXXX failed to cease collection activity My last attempt to get this resolved was a certified letter tracking # XXXX sent to XXXX on XXXX/XXXX/XXXX informing them of the violations. 

I am asking Consumer Financial Protection to help me get this resolved, it 's been 2 years that I 've been dealing with this. My last resort would be to contact an attorney and file a lawsuit for all of their procedure violations. I hope it does n't come to that. All of this over a {$47.00} collection that was previously deleted. This item is the only blemish on my credit report. 

This company clearly has no regard for following ANY of the FCRA/FDCA consumer laws. 

Attached is several pages of my credit reports showing the item deleted on several dates as stated and then reinserted. Attached also XXXX reports from several dates where they failed to notate the item in dispute.
Consumer complaint received 2016-12-23
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX is agresively attempting to collect debt for Bank of America. When I requested them to validate these debts I got NOTHING back. At the same time bank of america validate the ownership of this debt ( see attached letter ) and stated they were NOT connected to XXXX XXXX .... XXXX XXXX asked for financial statement in order " to help me negotiate and settle this debt '' after providing them with all of my personal information I got NOTHING back ... is this even legal to do? ... Bank of America still has the ownership of these credit card debt notes and I was advised to settle with them. However XXXX XXXX has NOT stopped harassing me, I can never speak to the same person and have to give them my personal info ss # date of birth and etc over the phone to the secretary before I can be transferred to someone .... who knows what she does with my identity and why am I required to shout out my social over the phone to someone I do n't know ... this is a violation of my consumer rights and privacy this must be stopped!