davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

Hello, I opened a CitiGold checking account with Citibank on XXXX XXXX in response to a promotional offer rewarding XXXX XXXX XXXX miles when fulfilling some basic requirements ( {$1000.00} in purchases and 2 bill pays ). I contacted citibank via secure message and they confirmed that I fulfilled these requirements in XX/XX/XXXX and that I would have to wait 90 days to receive my bonus. 

After waiting and occasional checkins I was told to wait and be patient. After contacting them for an update I was told on XX/XX/XXXX that I would not be receiving the bonus because I was no eligible. Obviously I felt misled so they opened and investigation and promised an answer in a couple of weeks, but over a month later I still have n't heard anything. They still continue to charge me monthly service fees on the account ( {$30.00} ) while not holding up their end of the deal. I feel cheated and used as I had to open up a Citibank XXXX XXXX credit card to receive this bonus .... Any advice you could give in regards to my situation would be greatly appreciated. 

Thank you!
Consumer complaint received 2024-10-03
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: Experian Information Solutions Inc. (MA)

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency XXXX furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not read or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Consumer complaint received 2016-10-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Trident Asset Management, L.L.C. (MO)

A collection agency has a false statement on my file about a returned check. I called this company and they told me they did not have the check. I called my bank they told me they did n't have it and called the company the check and they told me they had no record of it.
Consumer complaint received 2016-12-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

Ocwen loan servicing handles my loan, on XXXX XXXX and XXXX XXXX i made my payment online, after the XXXX of the month you 're forced to make a rush payment through their website call speedpay. I 've received a confirmation email that my payment was received on XXXX/XXXX/2016 at XXXX confirmation number XXXX and on XXXX XXXX I made XXXX payment at XXXX confirmation number XXXX. when reviewing my credit report it shows I was 30 days late twice and for XXXX it shows Im 30 days late when in reality the month is not even over. XXXX credit report and for XXXX my payments do n't even show. I try to reach out to Ocwen and they would n't able to explain me why they had reported me to the credit bureaus as being late. I really need your help in investigating this issue and it seems like Ocwen do n't care. All Im asking is for my rights as a consumer to be respected and not been abused. Obviously the information reported to the credit bureaus by Ocwen is false and is damaging my personal credit and preventing me on getting approved for a loan.
Consumer complaint received 2016-07-12
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (NY)

I am complaining about paypal decision on the claim I filed. " I purchased iphone 6s XXXX for XXXX on XXXX. I stated that I am buying it for my mother in another XXXX so I needed clean ESN but as it turns out it did not have clean ESN, it had unpaid bliss. So I waited to get to my home XXXX and then bought unlock service on ebay. It took a while, but today when we got message that phone is unlocked. We turned on the phone and finding out that it is on XXXX lock!!! Phone is not going through the activation process and asking for email and password. Unlocking process that we did, does not affect XXXX lock, it is written on apply website. Moreover, when we visited several XXXX stores, we were told than wrapping is not factory XXXX and that someone already re-sealed it.I am opening a dispute for this. I want either to get rid of XXXX or i want my money back! The phone is still new, I could even activate it or used because it has XXXX lock. '' I filed a claim asking to remove XXXX or sending phone back and get refund. Paypal decided the case not in my favor, so no remove XXXX or send phone back and get money. I have a phone that I cant use, I cant neither fix it or send it back and Paypal is deciding in seller 's favor.
Consumer complaint received 2016-07-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (OH)

I found my house value it is the same as when i first bought it and have put more money in it than I can sell it for. {$25000.00} my house is 117 years old I have been here 27 years paid all my mortgage payments I refinance in 2001 for XXXX still owe XXXX i feel like I am in a losing battle here. is there hope I can get a reasonable resolution I am paying 9.5 % home insurance is way high i am XXXX is there any good advice on this my income is {$29000.00} I just put in new furnace and roof bathroom electric. I am house poor.
Consumer complaint received 2016-07-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (CA)

I submitted my loan modification under HAMP guidelines and was denied recently on XXXX/XXXX/16. They provided me the NPV input values and I used those figures on the government XXXX website and it says that I should be approved! I want Shellpoint to approve my loan modification or give me a better and specific explanation of why and how they denied me.
Consumer complaint received 2016-09-13
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

FULL DEPOSITION TRANSCRIPT OF XXXX XXXX XXXX XXXX XXXX / XXXX XXXX attached fle fraud assignments in county land record use as prove of standing in county court, bankruptcy court house when its fraud assignments was discovered and challenged, XXXX XXXX move the serivicer to secondary services select portfolio servicing. why are the substitute trustee keep changing when fraud are discovered. there have being over XXXX debt collectors trying to collect on debt using fraud assignments upon fraud discovery the services select portfolio serving keep moving file to another fraud debt collectors to avoid detection of fraud and moves the files to one substitute trustee after another the original trustee wo n't have any part of this process which could produce liability disproportionate to any reward.And what point is the Trustee on the Deed of Trust, whether original or substituted, liable for subsequent misdeeds that amount to fraud? For example, if the original trustee has knowledge ( which all of them do now ) that the substitution is invalid then the original trustee is still the trustee on the deed of trust. Why wo n't they initiate the foreclosure process and fix the problem? Answer : Because they know they are dealing with fraudulent document, instructions and representations. The same rules probably apply to the substituted trustee. 
I think it might be important as it appears to be a widespread practice in the preparation of Appointments of Substitute Trustees by these debt collectors law firm 1. Defunct debt collector law firms of XXXX and " foreclosure mills '' including defunct law firm XXXX, ( file bankruptcy ) aka defunct debt collectors law firm of XXXX, ( file bankruptcy ) the sold to debt collector law firm XXXX, they abruptly shuts down without notice all of these debt collectors who and either shuts down as soon as the evidence of fraud is are being brought to light It concerns the Appointment of Substitute Trustee in my case .As pointed out by XXXX,
Consumer complaint received 2016-09-13
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: 21ST MORTGAGE CORP. (LA)

I filed an insurance claim for damage to my home and the check was made to myself and my mortgage company. I have been in touch with 21st century mortgage several times in reference to getting the check dispersed. We finally settled on an agreement that if I caught up on my mortgage they would surrender the check to me so I can make repairs. I have caught up on my mortgage, but now the company is saying that I have to purchase all the materials needed to make the repairs and pay for the repairs then submit receipts before they will give the check to me. I can not afford to do this. I need the check to purchase the materials and pay for the repairs. It is extremely urgent that I get these funds to repair my roof. A company representative told me that once I caught up on my mortgage that they would send me the check, but now they are saying no. I need to make the repairs first. It is very disappointing and frustrating that the company is holding my insurance check as they have never paid a payment on my house insurance, I have always paid it myself! In addition, I have several other issues with this company. My mortgage originated XX/XX/1995 with XXXX and then it was sold to 21st mortgage. I have had this mortgage for twenty-one years. And the original amount financed was {$51000.00}. I have had this mortgage for 21 years. The annual percentage rate was 8.75 % and the monthly payment was {$420.00} We have paid over $ XXXX towards our home and the company is refusing to send me the payoff amount. When I asked for the payoff the representative said she would send it, along with the contract. However, I have yet to receive either. I would like an explanation of why I have n't received the pay off or contract. As well as, an explanation of why I have to pay so much on this mortgage. I have paid almost three times what my home is worth. I was young and trying to get started with my family and I was completely ripped off by this company. I did n't know any better, but this was definitely a case of predatory lending and I hope that it is not to late right this wrong. I have a child in college, XXXX XXXX child living at home, and XXXX child that is finished with school and I am tired of struggling. I would like to be able to help my family, but 21st mortgage is trying to bleed me dry financially.
Consumer complaint received 2016-10-24
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Pressler & Pressler, LLP (NJ)

I recently am getting my wages garnished by some phantom judgement sent to my job from pressler and pressler. I do not know what this is about, I never got one notice in the mail until the judgement was made and I could do nothing about them taking my wages! These shady and ileagal tactics these companies use to collect a debt is wrong and dirty! First, off I do n't remember having any XXXX credit card or anything dating back to God knows when. They said they got the account in 2012 and not once did I hear from them about this! This is serious! They are taking {$140.00} a pay check that I ca n't afford! I do n't make much to being with, and with all the other bills I am drowning in debt! I call them they ca n't help or do anything! What good are they, but they are quick to sue me for no reason! I will complain everyday until I get this solved and they clearly explain what this is and give me a chance to defend myself the right way! Venue I looked online does n't even exist anymore and we 're a shady company too!
Consumer complaint received 2016-09-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: First Advantage LNS Inc. (MD)

I recently moved out of XXXX XXXX Apartments owned and managed by XXXX XXXX in XXXX, Delaware. My deposit has been held due to improper accounting and the local office, charged with clarifying any complaints, has yet to act to correct this claim with the corporate office. I have receive no communication from the corporate office after numerous attempts to rectify the situation. Instead, I have been issued a collection request from National Credit Audit Corporation. I have scans of my original lease documents and the money orders used to zero any balance remaining on my account. The local office claims they have no record of the money orders, although I have emailed them the scanned copies of the receipt I received in person.
Consumer complaint received 2024-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (VA)

At the direction of the CFPB and with the encouragement of XXXX XXXXXXXX XXXX I am filing an update to my complaint against SLS/Shellpoint. 

We just received a new loan modification offer from Shellpoint ( XXXX XXXX ) whose essential characteristics are the same as previous modification offers ( see attached offer from XXXXXX/XX/XXXX ). Here are the terms for the new offer : Downpayment : {$23000.00} Principal Balance : {$180000.00} Term : XXXX months Rate : XXXX XXXX Forbearance : {$45000.00} I calculate that the true cost of this modification offer is around {$450000.00} ( {$23000.00} + XXXX {$790.00} + {$45000.00} ). The main difference is that it extracts additional equity of {$50000.00} from our property to the benefit of the mortgage company. 

During our last meeting with the lawyers at the hearing in XX/XX/XXXX, we were told that Shellpoint ( XXXX XXXX ) would put forward a mutually beneficial offer in consideration of the history of the loan. 

Here are the facts of the loan and its servicing : 1 ) The loan was obtained under duress in XXXX, and the originator used predatory tactics ( including the threat of foreclosure ) ; the originator was aware of the market conditions in XXXX, and yet she told us that this loan would be erased or nearly erased once our previous home sold and that we would easily be able to refinance the entire loan. These were knowably false statements. 
XXXX ) SLS did not offer loan modification or loss mitigation options in spite of repeated requests. 
a ) I sent many letters and called many times begging for help during XXXX. 
b ) No options were offered in XXXX when the loan went into default. 
XXXX ) XXXX violated federal law by not sending monthly statements after XXXX. 
XXXX ) XXXX repeatedly perjured itself to federal state authorities in XXXX - XXXX by claiming that this XXXX was not a XXXX XXXXXXXX XXXX 

Given the history of this loan, I demand that XXXX share its reasoning for not putting forward a good faith offer. If they are serious about negotiating a settlement, we would like to know why XXXX XXXX XXXX pursue the same tactics that XXXX pursued before it filed for XXXX  under the pressure of mounting legal pressure.
Consumer complaint received 2017-01-12
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: U.S. BANCORP (PA)

I received a red light camera ticket on XX/XX/2016 and the ticket was sent to US Bank leasing company -- it was stamped by their tax servicing department on XX/XX/2016. At that time, I was unaware the ticket was ever issued. US Bank sat on that ticket until they received a 'Second Notice ' ticket and was stamped by their tax servicing department on XX/XX/2016. Still unaware that I ever received a ticket, I received both the 1st and 2nd notice, along with a letter from US Bank on XX/XX/2016. The payment was due on XX/XX/2016 - Thus a late fee of {$20.00} was already charged. I disputed the late payment with the City and advised US Bank NOT to pay the ticket. They told me they would n't. Well, turns out they paid the ticket, including the late fee. They then charged me the ticket amount, plus the late fee, plus a {$25.00} fee for processing. I told them that it was unfair that I should n't be responsible for anything but the ticket amount and they refuse to work with me. Bottom line is US Bank neglected to alert me of the receipt of the ticket until it was already too late to pay without incurring a late fee. When instructed not to pay it ( while i disputed the late fee ) - they paid it anyway, and then relished in the opportunity to charge me an additional {$45.00}. Please rectify. Thank You!
Consumer complaint received 2016-09-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am disturbed that TransUnion continues to list the dismissed bankruptcy as confirmed within my credit file. Although it is their policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, Trans Union have no right to maintain information which the government has deemed nonexistent.
Consumer complaint received 2017-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (OK)

XXXX XXXX XXXX has repeatedly changed the date first reported for the XXXX XXXX XXXX debt on my report. The date of first delinquency is wrong. This account should no longer be on my report.
Consumer complaint received 2016-07-12
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (GA)

Dear Sir/Madam, JPMorgan Chase credit card is holding me responsible for the for the fraudulent charges. 
I really do not understand that why bank 's fraud department is holding me responsible for these charges and how come do they expect me to pay {$39000.00} which I never used and I should not be responsible for these charges. 


There is a clear evidence that these charges are fraudulent 1. Signature does not match on the sales draft from merchant. 
2. Why bank did approve large transaction for XXXX USD without any authorization from customer when transaction occurred outside USA? 
3. Bank 's fraud department must notify me either by email/phone/text for such a large transaction. I have not received any indication for these charges. I come to know when I checked my statement online after arriving to the USA. 
4. Do you think merchant should do their due diligence? they should check address on the driving license ( see attached ) when they are selling product. 
5. This is not my normal spending habit since I opened the card since 2011 6. Why chase credit card did not send any text alerts/email for such a large transaction? 
7. Why bank is not holding merchant responsible for these fraudulent charges? Merchant should check when he is selling {$220000.00} goods to the consumer. 
8. Fraud department had enough evidence which does confirm that I did not make these transactions. However, Chase bank is still holding me responsible for these fraudulent charges? Why?
Consumer complaint received 2016-09-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

Ocwen is the worst mortgage company on the planet! Our loan was sold to them by Homeward some years ago! We had no control over that. How a mortgage company can manipulate account balances with extra charges and random fees is beyond criminal. Every statement must be examined. We have been dealing with Ocwen lying about making an insurance payment to our insurance company for 2 months now! They claim they made the payment in a batch of other checks. Check was not found. After repeatedly calling Ocwen back they claimed they would overnight the payment so that our insurance would not be cancelled. The overnighted payment was not received by our insurance company! This happened again and again. We had to make the insurance payment to avoid being cancelled. The payment addresses for our insurance company has not been changed. Ocwen claims this matter is in research and they will call us with a resolution.They put you on hold and say they are making notes and you will get a call. These people are XXXX based speaking bad English and they have no answers for you the customer. Why are they allowed to remain in business?
Consumer complaint received 2016-09-13
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CT)

my loan was transferred or bought by specialized loan services XX/XX/2014. since this loan was transferred from XXXX mortgage it has been marked 1 month behind to the credit bureau for 23 months.I have repeatedly sent proof that I was not late on my payments. there was a mishandling of my funds for almost two years. It has obviously affected my credit and financial wellbeing and continues to do so. Specialized loan service has been unwilling to work with me on this issue even though they have repeatedly admitted this is their mistake to myself and XXXX. Sls is light years beyond the worst company I have ever worked with or heard of. Their negligence is by design. They are a predatory lender who preys on ''sub-prime '' loans. It is clear to me they have something to gain from manipulating peoples financial lives to foreclosure., As of right now they have corrected the payment issue but have n't corrected my credit.