davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-08
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (IL)

I purchased an appliance named XXXX dehumidifier from Sears.com. The product is listed under the XXXX manufacturer warranty for the defective product and the part that failed. The purchase date states XXXX/XXXX/XXXX sales ticket XXXX ( sears ). The problem with this purchase is that I purchased a XXXX BRAND it also has a XXXX Booklet. I called XXXX and they are willing to replace the product or swap it out. problem encountered was that the serial number listed on the SEARS.COM item that I am paying on my sears credit card with a payment of XXXX.per month is not a legitimate SN. sears is denying this and not allowing the return or credit to my card and blaming a third party called XXXX XXXX ', XXXX said to contact Sears and XXXX about the return since XXXX XXXX the third party seller with only a XXXX product initial warranty..The XXXX part though is still under warrany thru XXXX XXXX XXXX. XXXX needs verification of the original SN for return purpose and credit. This product has a UPC number of XXXX ( stated by XXXX, The model number on my dehumifier is XXXX, SN # XXXX. XXXX states that is not a valid SN, otherwise they would swap, credit or repair. sears claims they are not responsible as I object, due to the fact I purchased this thru SEARS and it stated XXXX on the product. There is not any stipulation anywhere in the booklet stating the product 's SN has been altered therefore I assumed it was a legit purchase. even refurbished products contain the SN to replicate the original for product identification as automobiles do. I am out a XXXX dehumidifier. I purchased it for my health needs. I want this warranty held up as SEARS should be standing behind XXXX products sold using the sears credit card. I want this illegal and unscrupulous act rectified so I can use a dehumidifier. 
My frigidare ticket and complaint verification was lodged within their company telephone number XXXX ticket # XXXX they stand by their product and warranty. 
Sears in XXXX XXXX IL has denied the purchase or assisting me despite being referred to them by frigidare to alert them to this SN # matter and credit card charge dispute. the third party overstock.com tel # XXXX who sells thru Sears has an invoice number proving this sale # XXXX please help me obtain credit for the product as it is under a valid warranty from frigidare Company and sears is denying and refusing to help despite the fact I am paying in a credit agreement thru Sears credit card/citibank
Consumer complaint received 2016-09-26
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLAZA HOME MORTGAGE, INC. (NE)

In XXXX of XXXX I used the XXXX program to refinance my home. The purpose of the program was to help lower my payment but without requiring an appraisal because my home 's value was and still is lower than the principal balance owed. I ended up getting my original loan refinanced and my payment started out being {$1900.00} a month. Since XXXX, my payments have risen to {$2300.00} by XXXX of XXXX. That 's an increase of {$410.00} a month in just 3 years. My property tax has not risen that much and while my home insurance has risen, it has definitely not increased by {$4900.00} a year. I do n't think banks realize what this does to a person when they only make so much money a year and budget for a monthly home payment when they close on a loan. I have complained and inquired about this to Plaza Home Mortgage for the past 2 years and the only response I have ever received from them is that they under estimated my escrow amount to be paid ; and of course with an offer to pay the difference in full vs. monthly ; yet they made the error in calculating. In XXXX of XXXX, my home insurance went up by {$86.00} a year. Over the past 3 months I 've sent a couple of messages to Plaza Home Mortgage reminding them that they need to make sure that when they analyze my escrow payments in XXXX XXXX XXXX, they take note that my home insurance is {$1800.00} and NOT {$1700.00}. I just looked at my escrow analysis and they disregarded the messages I 've sent to them and I still show they have my hazard insurance at {$1700.00} a year, which I believe will result in yet another escrow shortage by XXXX of XXXX. I have sent them XXXX messages in the past week and have received NO responses. I still have no good explanation of why my payments have gone up {$4900.00} a year ( {$410.00} a month ). I have every reason to believe that Plaza Home Mortgage is doing this same thing to other home loan borrowers and I believe they are making more profit from the loans and not reporting it to the government or something else is going on. My suspicion is that they are using home owners equity accounts to make money because they would avoid paying taxes on our equity OR they have grossly miscalculated my annual escrow from the beginning. My reason for suspecting this is because of lack of valid proof of the large increase in my monthly loan payment amount and lack of responses from the mortgage company.
Consumer complaint received 2016-08-15
Product: Debt collection — Mortgage
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Clarfield, Okon, Salomone and Pincus, P.L. (FL)

XXXX XXXX, XXXX XXXX, FL XXXX continue to call and email me even though a XXXX QWR prohibits any contact other than my attorney. The law firm Clarfield, Okon, Salomone & Pincus, P.L. has admitted to have the QWR, but hired the firm above to collect an unsubstantiated debt. I am in process of reporting this violation to the FLORIDA BAR, but this is a DIRECT VIOLATION of my rights and fits a continuing pattern of MALICIOUS and TORTUOUS interference with regards to the fraudulent debt this firm is claiming. Since XXXX the bank, servicers ( XXXX ), and attorneys have blocked my ability to work as a XXXX figure XXXX to the XXXX and financial industry, by reporting this fraudulent debt.
Consumer complaint received 2016-09-27
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (MI)

My Homeowner 's and Taxes are escrowed each month. My Mortgage Company, Roundpoint Mortgage Servicing failed to pay my insurance premium and my Homeowners lapsed. I had to pay this out of my own pocket to get re-instated. I can not get an answer to any of my attempts at reaching this company by phone, e-mail, certified letter, fax or secure message through their website. I can not get any answers from them as to why this happened. The funds are there, they just chose not to pay my premiums.
Consumer complaint received 2016-09-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (UT)

I paid off my mortgage with US Bank on XXXX/XXXX/2016. I was tolt that it would be a few weeks before an escrow refund would be processed. After not receiving the refund I called US bank on XXXX/XXXX/2016. They informed me that the refund was processed on XXXX/XXXX/2016 and that I should wait a bit longer for the check. I called back a week later and again informed them that my check had not been received. This time they informed me that they could not issue another check until after 30 days and that if they did, I would have to pay a fee to have them reissue the fee. It was my responsibility since they " mailed the check to the right address. '' This is an unfair practice since every mortgage payment that is mailed to them is the responsibility of the customer until they receive the money. If I mail them a check that " gets lost in the mail '' I not only have to pay the stop payment fee but I would also incur a late fee on the mortgage. The bank should be held to the same standard of responsibility that they hold the customer to. I have informed the bank that I do not have the check and they have an opportunity to stop payment to avoid fraud. I expect that if someone else were to intercept the check and cash it fraudulently I would be out the money or, at least, bear the sole burden of proof that it was n't me. This is also inappropriate given that I already notified them of failure to deliver within a reasonable timeframe.
Consumer complaint received 2017-03-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (IL)

Equifax has taken more than 40 days to conduct and conclude an investigation to a dispute on sent on XX/XX/2017. It is now XXXX and I have not received anything. They never sent me a copy of results nor did they updated their online credit monitoring which still says " pending. '' They have also deleted some inaccuracies but illegally reinserted those items without let me know within the 5 day timeframe set forth by the FCRA. Attached is a screen shot of the non updated dispute which shows that it is still " pending. '' And a letter to redispute the times that were never investigated.
Consumer complaint received 2016-09-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Aldridge Pite, LLP (GA)

I, XXXX XXXX have had issues with the accounting of my mortgage for several years now. However, my loan was transferred and it immediately went into foreclosure. Aldridge and Pite, LLP is the current foreclosure attorney attached to my property. When the loan was transferred to XXXX XXXX XXXX and Aldridge and Pite ; several times I have asked for a payoff and other accounting details. They ignored my request and sent me a foreclosure notice for XXXX XXXX, 2016. I had to ask on 3 separate occasions for the payoff and other accounting details along with an original notice of Debt Validation. On XXXX XXXX, 2016 I received an email that contained a payoff however, it did not contain the documents to satisfy a validation of Debt. I have expressed to the Lender that I would like to pay the mortgage in full. However, they are unwilling to call off the foreclosure even though I sent a validation of Debt that has not been fulfilled and a request for payoff which took over 3 weeks to receive. I do feel as if Aldridge and Pite are prohibiting me the right to proper validation under federal law rights to proper accounting under state law as well as the time frames within Georgia State Law that allows a homeowner the grace period to payoff any delinquency since all collection activity should have ceased after I sent in a request for debt validation and payoff quotes. This is a disgrace and further proves that lenders, banks, and the attorneys that represent them would rather keep you in debt and foreclose on your property then allow a homeowner to pay off the mortgage or satisfy the stated delinquency they claim you owe. I believe they dont want me to payoff the mortgage because off because the servicer and foreclosing attorney have no interest and standing to process the payment and file the legal documents necessary to show that I paid the proper Lender IN FULL. As a result I am filing a complaint and need some explanation from the Lender and Foreclosure attorney as my consumer rights as an individual have been abused and neglected. Attached is a 2nd notice of Debt Validation and attached is an email from an attorney at Aldridge and Pite along with the payoff. I have received no other documentation from the firm as they refuse to send the documents necessary to validate the payoff.
Consumer complaint received 2016-06-11
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

About two years ago I applied for a HAMP modification ( for my mortgage ), working with a credit counselor.Eventually I was approved .After that, I was told by credit counselor to apply for a XXXX for my second lien, ( Equity line of credit ) .They use the same paperwork.My second lien was from another banking institution then the first. The credit counselor sent me a copy of the government book with all information. We conference called that institution several times. Constantly getting the run around.Everybody had a different story of how the program worked. Every time we called we spent hours on the phone XXXX story after another. Most of the time they were just rude.It came down to my payment had to be over {$100.00}, it was short by {$4.00}, so they deny it. Was told to wait until rate went up to reapply. In turn my payment would increase qualifying me. The rate increased, my payment went up and I called the credit counselor. Again, we conference called the institution to let them know I should now qualify. Round and round we went. The credit counselor and I both kept records of all calls and different information we received .Once the intial call was put into the institution I started receiving a call about every other day from institution that they had phoned in error between XXXX XXXX & XXXX XXXX for about 4 weeks.Always, while I was at work like everybody else. When we called back they said that on my record they tried to reach out to me several times and did n't answer the phone. I explained I work during the day just as they do and the message said in error? Now they say have to be assigned a case manager and can proceed in XXXX through her.Months of the lies and stories. Set up appointment with her on XXXX XXXX, 2016 XXXX XXXX. XXXX XXXX a lady calls and says she is calling on behalf of case manager. I explain that I have a appointment set up for the XXXX at XXXX conference credit counselor and I and case manager. They never call Monday the XXXX. Credit counselor sends information to HAMP escalations team for a response and help.Now the story is I ca n't be reviewed again.I have read the handbook over and over, it says nothing about this criteria. I believe the credit counselor is aware of criteria and we have following all the guidelines.Just XXXX roadblock after another. Conflicting information.Through our calls several banking persons said I did qualify. I believe this institution is just wasting time so people give up because of the hassle.The modification before this, we ran into similar results in the beginning but finally reach a person to help.I have so much more of info. but trying to keep it brief. Thanks
Consumer complaint received 2016-04-06
Product: Credit card — 
Issue: Transaction issue — 
Company: WELLS FARGO & COMPANY (FL)

I was a memeber of XXXX. I used my XXXX credit card to pay my share of the monthly membership dues, {$100.00}. There is another woman on my membership who pays the same amount, as we split the cost and membership. My membership was suspended on XXXX 2015 because I did not pay for a part for a boat i was using and they said I damaged it. I called XXXX XXXX on XXXX XXXX, 2015 and told them I was disputing the XXXX and XXXX charges XXXX and do NOT allow them to charge my credit card any more! I then called XXXX and left a message stating I disputed the charges and to stop charging my credit card! XXXX XXXX allowed them to keep charging my credit card til XXXX! I have been going back and forth with XXXX XXXX to get my money back. It 's always a different story with them. They told me '' when you called it was after hours so you talked to customer service not the dispute center. So someone dropped the ball there! I have all my documentation, voice messages from the owner XXXX, still I have not gotten a full reimbursement almost a year later!
Consumer complaint received 2016-05-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (GA)

On XXXX XXXX, XXXX we lost our home to our a fire. The home was a total loss and in accordance with Georgia law, our insurance company paid us the coverage maximum on our house. We endorsed our payment check and sent it to our mortgage company Nationstar Bank in XXXX XXXX. Since recieving that check, Nationstar has not been of any assistance to us at all. We originally told Nationstar that we were going to act as our own general contractors to which they said fine. we started taking the steps to rebuild our home and 6 weeks later Nationstar told us that we could n't build our own home. We called them and explained we were n't actually building the house but would be managing the sub-contractors who would be. They said fine. At this time I clarified payment procedures and was told what I needed to submit in order to get the sub-contractors paid. I followed up this conversation with a written letter confirming what I had been told. 

As of XXXX XXXX, XXXX, Nationstar has still not released funding to start the construction of our home. Because of some issues we ran into with our septic system, we decided on hiring a contractor. All applicable paperwork required by Nationstar has been sent in to them. We need them to release funds to our contractor and also to reimburse us for funds we expended that we were told we would be reimbursed for. We called and complained when they said they were n't going to pay us. Approval was granted to pay our reimbursement by corporate headquarters but when I called today to check on the status of any payment, I was told that we could n't be reimbursed until 90 % of the home was rebuilt, something that was never ever told to us. We just want to get this process done and our home rebuilt, something Nationstar in apparently not interested helping expedite
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

It should be free to freeze and unfreeze my credit score in an easy manner. Equifax has burried their website link to freeze my credit. I ca n't find it! And I hear it cost money. I do not trust, or understand how they store and disclose my data. I should be able to protect my data, and credit score free of charge, otherwise I should be able refuse the credit score companies from collecting and storing my personal identifiable information.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

In the wake of the Equifax hack, affecting 143million accounts, I have attempted to place a credit freeze with all three major credit reporting agencies. I have gotten a busy signal multiple times or their site has been down. It is unacceptable that I can not place a security freeze on my account because a company valued at > $ 1billion can not accept calls ( nor keep its personal data secure in the first place ). These attempts at a phone call or website access have taken place multiple times from Mon ( XX/XX/XXXX ) to Weds ( XX/XX/XXXX ).
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NV)

Both companies, XXXX and Experian, are now trying their best to hide the fact you can get a one-time security freeze. Freezing your account now requires a paid premium monthly membership to freeze your credit report.This is not true, but I was specifically told by a XXXX that this was the case. Going to their website, you are now unable to find out where and/or how to freeze your security without the premium monthly membership. I feel this is nothing more than an attempt to increase sales after the major XXXX breach, taking advantage of people like me who had their credit compromised due to the breach. Both company 's phone systems are obfuscating a one-time credit freeze as well.
Consumer complaint received 2016-05-08
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Windham Professionals, Inc. (OH)

I am about to get garnished through a company where i have sent in all my documents so they can not garnish me. But they are sending me to fake websites like its the federal government loans but its not. Its fraudently sending me to a website like its the federal student loans and they are not. I asked for a hearing and have not received one just more threatening letters about garnishing my money. I can not afford to pay them right now i am trying to get back in school but the way they are treating me without working out any payment plan nor would they allow me to add them to the consolidation loan which i am waiting on answer from them and its been over 2 months.
Consumer complaint received 2017-03-15
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY)

they are holding my money while making interest on it. They should have refunded the money on XXXX.2017 initiated transaction on XXXX.2017, then canceled it to change the amount to send because I noticed I was {$30.00} short in my bank account. So I canceled the transaction the same day. Next day they still withdrew money from my account. I called and spoke to XXXX ( located in XXXX ), he did not want to give me any details unless I provide last XXXX digits of my social security number although I had a confirmation number for transaction and its cancellation confirmation number. I asked to be transferred to supervisor, he said since I dont want to provide my social, he would not transfer me to supervisor. I called back again and this time lady transferred me to supervisor without questions asked. I spoke to XXXX at extension number XXXX, he claimed that they already processed a refund. I asked him to send me a confirmation via email because when I canceled transaction originally I received an email saying that " they were unable to refund automatically and have to do it manually ''. I never received anything confirming that they actually processed a refund. Until today I have not received that email. In the meantime, they withdrew money from my account which caused an overdraft. I had to borrow {$30.00} ( XXXX ) to cover that overdraft, can you imagine how embarrassing it is to have to borrow. Spoke to my bank and they did not see a refund being initiated, although XXXX said it will take 3-5 business days. Today is day number XXXX and since I did not see a refund, I called Money Gram again, spoke to supervisor XXXX. As per him, the refund will be initiated after 12 days if not longer, so they did not even start the refund. They are using my money and getting an interest on it and at the end I will have to pay a {$10.00} service fee, which is not right. XXXX did not offer any solutions but said just to wait. I asked them, since they did not start a refund, to release the monies to recipient, which is my brother, he needs to use money to get medicine for my grandmother who is not feeling well and needs her medicine. But they said no. And then hung up on me. I do not have other funds, those money was all I had. I will borrow the money from someone now and after this is all done, I will never use MoneyGram ever again. But right now I need help to get my money back.
Consumer complaint received 2017-03-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MS)

On XX/XX/2016, USAA bank restricted my access to my bank accounts. The bank subsequently closed my accounts. Over the course of the past 5 months I have spoken with the bank over 29 phone calls. 

The bank has approximately {$13000.00} of my money. The bank has repetedly refused to return my money to me. They have held it from me for 5 months. Further, since the bank restricted my access to my accounts, they have not provided me monthly account statements.