davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-14
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

I wanted to buy an account for a PC online game. The person who ' selling ( a guy and a girl ) scammed me and deleted me from XXXX. They promised to change the mail of the given account and after I sent the money they did n't change it. I waited days and days for their reply on the email situation but then they deleted me. They can take the account back whenever they want because they have the mail. Please help me.
Consumer complaint received 2017-04-14
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SYNCHRONY FINANCIAL (DC)

I opened a GAP in-store credit card in XXXX. I made all my payments and maintained the card for many years. Then in Fall XXXX, GAP told me that I needed a replacement card. When the card arrived it was a VISA card, not an in-store card. I contacted them to explain that I never signed up for it and that I wanted my regular card back and they said that they had " upgraded '' me and that it was not possible to revert without cancelling this card. Understanding that cancelling my card would affect my credit rating I did n't do it. I know hold VISA card that I never applied to and am afraid to cancel. Please help.
Consumer complaint received 2017-04-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

Search the Web Pull Down to Refresh Drafts MORTGAGE COMPLAINT XXXX to None XXXX Details I truly wish I knew what happened!! I 'm enclosing a statement of activity sent to me by XXXX and the list of my monthly payments dating back to XXXX 2014. 

I ca n't make heads or tails out of what they have concocked!! I REALLY CA N'T. SERIOUSLY!!!!! 

Resolve by Explaining these unfamiliar entries. Why are there LAWYER FEES? Why are there UNAPPLIED MORTGAGE PAYMENTS? Why are there other incidental FEES when this mortgage was paid EACH AND EVERY MONTH ON TIME AND HAS AGREED?
Consumer complaint received 2017-01-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: BARCLAYS BANK DELAWARE (IL)

I sent a letter to BARCLAYS BANK DELAWARE letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and BARCLAYS BANK DELAWARE refuses to delete the fraudulent accounts from my credit report stating in a letter its verified. BARCLAYS BANK DELAWARE provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.
Consumer complaint received 2017-04-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: COAST PROFESSIONAL INC (AL)

I am trying to get out of default on my student loans. I had a Stafford Direct Loan, but I am now dealing with Coast Professional Inc. The person I talked to on the phone said that due to my unemployment, I can send {$5.00} every month for nine payments to get out of default. I receive XXXX income before I am unable to work, because I have to give my XXXX mom 24 hour care. I sent a letter from my mom 's doctor confirming this to Coast Professional. I filled out the paperwork and have sent the monthly payments as required. Now, they are calling constantly, saying my request was denied ( I never received any paperwork on being denied ) and they are now demanding more money and my Food Stamp information and said that my food stamps could be claimed as income. According to the Food Assistance program website, it states that food stamps is not to be considered income or legal tender. I am afraid that Coast Prof is trying to take away my food stamps. My food stamps is the only way I am able to feed my elderly mother and myself. How is this legal? They are still calling and harrassing me, despite the {$5.00} money order I send them.
Consumer complaint received 2017-04-15
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIZENS FINANCIAL GROUP, INC. (VT)

In XX/XX/XXXX I opened a HELOC with Citizens Bank NA. As I went through the renovation process on my house, I ended up refinancing this HELOC several times, all with great dealings and interactions with Citizens Bank.I was on autopay and never ( even to date XX/XX/XXXX had a late payment on HELOC account. 

One day in XX/XX/XXXX, I received a letter in the mail stating that my account was 90 days past due! Highly confused, I called Citizens Goldmember Services, and stated that this was impossible, as I was on autopay. After some digging, I learned that during my original closing ( XX/XX/XXXX ), They had opened a second line of credit for me that I was unaware of. I assumed one of the papers slipped into the closing documents was an authorization form to open this, but it was never brought to my attention, and I have yet to see a copy of this form. 

After some further digging we discovered that one of my accounts has become overdrafted, and pulled from this second credit line. With no autopay in place, it was not payed back automatically. Further I was never contacted either by phone, nor by mail about this overdraft, until the 90 day late notice. I concluded this call by paying the late fees and balance, and setting up an autopay on this credit line, but I felt sick to my stomach as I had never in my life been 90 days late on any credit account. This has obviously had a huge impact on my XXXX. 

As I began preparing to purchase an investment property last fall ( XX/XX/XXXX ), I decided to call Citizens Bank. After several phone calls and several letters they have refused to acknowledge their poor business practices in the closing of the original HELOC, and they have also refused to notate or remove the derogatory 90 day indicator on my credit report. I want the CFPB to be away of this case, and would be happy to answer any questions or clarify any information.
Consumer complaint received 2017-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (GA)

I had a secure credit card with U.S. Bank and there was fraudulent activity on my card. Spoke to the collections agency, told them it was fraud, they sent that over to U.S. Bank stated they denied my claim because my bank account was used to fund the account. I have disputed this with the credit bureaus and they are still keeping this on my credit. I asked for proof of statements, none has been provided. This is very detrimental to my credit. I am in the process of trying to buy a house and this has caused me to be denied for a loan. I want U.S. Bank to remove this account from my credit report. I am still getting collection calls from a collection company.
they responded on BBB stating I funded the account, Yes the account was mines but the charges after XXXX were not mines.I also noticed they sent me billing statements, each payment that was made was returned due to non funds, when was my account funded multiple times before U.S. Bank closed my account. I never received any calls about these funds not going through. U.S. Bank promotes there high quality to prevent fraud, but this was happening on my account they were letting charges still happen for months. Multiple payments made and was returned and no action on there parts. Also, they are still reporting on my credit report that my account is still open. reporting FTP ( failed to pay ) every month. Also, I received a letter from there fraud dept stating I owe {$810.00} on my next billing statement. How do I have a billing statement is my account is supposed to be in collections/charge off. Also, on my report the date it
Consumer complaint received 2017-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

An online purchase was made on XXXX/XXXX/2017 for the amount of {$460.00} The merchant was XXXX and the shipping company was XXXX. On several occasions, I notified XXXX  that I live in a high-theft apartment building and that my signature is required. I also informed XXXX that my building has an " on-site '' property management office that operates during normal business hours ( M-F/XXXX ), so if I 'm not home, there is an alternate option.
<P/>
I received a mobile text message to my personal cell number that the item in question was delivered. At the time I received the message, I was at my work office which is located in a different city ( XXXX, CA ). I immediately contacted XXXX XXXX customer service number and asked if the item was delivered to the onsite management office since I was n't home and there was no one there to accept the delivery. The XXXX customer service rep ( in XXXX ) said that it was delivered and that was all the info they had.
<P/>
When I got home from work, there was no delivery. I then initiated a " contested charge '' with Citi Cards and explained that the shipper ( XXXX ) did not acquire " MY '' signature and I did n't take delivery of the item and that either A ) the item was simply left at my door or B ) someone else signed for the item.
<P/>
Then I contacted XXXX again to get details about what happened. They said they spoke to XXXX and that they acquired a signature from someone named " XXXX ''. I explained that 1 ) that 's not me, 2 ) there 's no " XXXX '' at my residence, and 3 ) if you compared signatures from what was collected and mine, it would be obvious that they did n't collect MY signature.
<P/>
Citi Bank Billing Dispute Dept. " claimed '' they conducted an investigation, which did n't even include a signature comparison. I provided Citi Bank Dispute Dept. a signed document stating 1 ) I did n't receive the item, and 2 ) a copy of my California State Drivers Licence which has my signature on it as a reference. Citi Bank has stated that the investigation has been closed and they reversed the conditional credit. How is that possible?
<P/>
I demand that Citi Bank Billing Dispute Dept. apply a credit of {$460.00} since they did n't conduct a MEANINGFUL investigation which would have provided overwhelming evidence that XXXX failed to follow procedure in acquiring MY SIGNATURE for this item, OR, to follow the instructions given to XXXX to deliver the item to a secure location ( onsite property management office ).
Consumer complaint received 2017-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I find many inquiry which i did n't authorize on my credit report and which i did n't know of them putting inquiry on my report, try to contact them with sending them letter they all telling me that they do n't have any file under my name or account under my name. I did call XXXX to let them know about the inquiry issue on my credit report and the representative did n't want to remove those. That why Im complaining here are all the inquiry 's - XXXX / XXXX : inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX Inquiry XX/XX/XXXX - XXXX Inquiry XX/XX/XXXX -- XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - Coaf : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXXXXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXXXXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXXXXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXXXXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XXXX XXXX XXXX - XXXX  XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX Inquiry : XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXXXXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX : InquiryXX/XX/XXXX - XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX
Consumer complaint received 2017-07-11
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

In early XXXX of this year, I approached Bank of America to accept doing an application for a loan modification. <P/>I submitted every single document they asked for. Then they repeatedly asked me for the same documents that I already submitted to them. They first started asking me about " missing documents '' from my loan package, beginning on XXXX XXXX XXXX. Every single time they asked me for documents, they were sent within one business day. Since that time, they have continued to delay and ask for documents that were already sent. I sent them faxes on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. Every time I called and they said the package was complete, they would then wait and call and say the package was not complete. In the meantime, as I have been working diligently with them to restructure my loan, they started sending out threatening foreclosure notices. They are dragging their feet on this and causing me much stress and worry. They are purposely delaying this process.
Consumer complaint received 2017-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had all my inquires that were removed with the TranUnion Data glitch. Trans Union then told me that I was n't a victim of this glitch when I originally was notified that I was a victim. They then reinserted the originally deleted inquires. I would like these inquiries deleted per Sec 611 which pretty much states that anything deleted and reinserted needs a 5 day reinsertion letter, which I never received. Therefore I am requesting that they remove the following inquires. <P/>1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXXXX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX/XXXX  XX/XX/XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXX/XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10.  XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-07-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (MS)

I get that debt collecting companies like to call. I 'm not disputing that I owe various entities, and while I do n't really recognize 'Midland Credit Management , Inc. ' in XXXX XXXX XXXX they are probably for XXXX of my accounts that went to a debt collector. They 've already incessantly tried to call, but the nature of my complaint is they called this past Sunday. This is n't the XXXX and 'you owe me money ' tactics of harassment are fair game. Sunday is an Off day by any definition and still 'not a business day. ' They need to be reigned in to know that by phone intrusion, there are hours of a business day that are " fair game '' and then there is after hours which is off-limits. Also, I do n't think they 've left a voicemail which to me tends to ooze Unprofessionalism. So, 'by the rules ' you can call to harass us any business day, from like XXXX - XXXX, but outside of that you do n't just get to bother us about this specific debt that I know is 'important ' to you, but it is prioritized to this Family ( and probably a lower one at that ). Please hold MCM accountable to stop this practice!
Consumer complaint received 2017-04-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NJ)

Both my parents have died and the mortage was in both of there name my Mom passed in XX/XX/XXXX and my XXXX passed XX/XX/XXXX I was living at the residence and paying the mortage payments since XX/XX/XXXX. I feel behind due to having XXXX i tried to call to make some arrangements tried to make a payment they returned it. Tried calling they will not talk to me about it. I tried telling them my parents are deceased they will not talk to me about the loan. Im trying to save my family home its almost paid for and looking for a loan modification to catch up. There is much Equity In the house.I need help. My dad did sign the Deed over to me but he remarried and she was the witness to the switching of the Deed. I can not locate her and XXXX will not help cause he was XXXX at time of death. Looking for bank to work with me on keeping the home.
Consumer complaint received 2017-04-14
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I made a purchase of {$1000.00} on my Bank of America credit card. My receipt clearly shows the amount as {$1000.00}. The merchant inavertantly entered the amount into the credit card machine as {$10000.00}, {$9000.00} more than it should have been. I filed a claim with Bank of America. I saw no results so I called in to follow up. I was told it was because I had not submitted the receipt. I faxed in the receipt. I then got a message and uploaded the receipt. I then got a letter I signed and submitted the receipt a 3rd time. I then received a letter saying the claim was denied because I had not submitted the receipt. I went back to the merchant and had them refund {$9000.00}. The credit has not appeared on my account. I called back in and was told that my receipt did not have my account number on it, so my claim was denied. I called in again and learned they called the merchant one time but were not able to get hold of them. They supposedly called me one time, but did n't leave a message. I finally got a supervisor on the phone and had her call the merchant. I will be receiving the refund, but I will be paying the interest on the transaction. Bank of America did n't even try to resolve this until I was on the phone with them and forced their hand. At this point they promise me I will receive the refund on Monday, but I lack any confidence in BOA.
Consumer complaint received 2017-04-14
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (GA)

I am writing yet again because I am not sure what is going on with my Santander account. I called a couple of time last week and got a voicemail with a male voice. And when I finally do get a customer service rep, they hang up on me after verifying my credentials each time. This all confusing to me, until I finally got a male customer service rep on the phone one day last week by using another phone, my mother 's phone. I inquired about the deal I was given to pay off my loan as the result of my previous complaint.The rep said I had a hold or more likely a note on my account because I was part of a lawsuit against the company. I have made a complaint on this site but Iam not aware I was part of a lawsuit. I am just confused and tired after 9 years of paying for this never ending loan with it " misc '' charges that they have yet to clearly explain. I am just wanting to work something out that is not impossible for me. I was given the opportunity to pay $ XXXXin two weeks from when it was offered. I could not cough up {$1800.00} in two weeks. If I did I would have paid the minute I received the deal. However, I was simply calling to arrange another arrangement that would be feasible but as soon, but I have yet to get a call back when I left two or three messages. I had raised {$1000.00} so far and wanted to make payment and pay on the deal and have an extension to pay the rest but I no longer can get a person on the phone. I simply do not want to pay without confirming the deal but I have no idea what is going on, especially being marked as someone in a lawsuit against Santander. I am writing yet again because I am not sure what is going on with my Santander account. I called a couple of time last week and got a male voicemail. I have gotten customer service reps who have hang up on me after verifying my credentials. This confused me, until I finally got a male customer service rep on the phone last week. I inquired about the deal to pay off my loan as was the result of my previous complaint.The rep said I had a hold or more likely a note on my account because I was part of a lawsuit against Santander. This left me shock and confused. I do n't know if he was meant to tell me or not but it explained why I was not getting my calls back. And the only reason I did not pay the man that day is because he had no idea there was a deal. I could not provide confirmation of the letter because I was not home to get the saved copy off my computer. I will attach that letter. I just want a call back and to work out a deal to end this 9 year loan that is going into it 's tenth year soon.
Consumer complaint received 2017-04-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NC)

I mailed Experian a request to remove approximately XXXX Hard Credit inquires of my credit report, which where not made by me, the 30 days have long past and i have not heard anything from Experian, nor where any of the Hard Inquires removed. 
I also found XXXX different XXXX XXXX accounts on my credit report, i have never had XXXX different XXXX XXXX accounts, they did not investigate any of this and all XXXX accounts are still showing on my Credit report and they impact my credit in a negative way.