davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc. (RI)

My husband and I originated a mortgage with XXXX in XXXX 2016 that was subsequently sold to Dovenmuehle Mortage Company. The original loan was a no escrow loan. Dovenmuehle has been issuing statements that add an escrow of additional flood insurance ( We have already purchased a one year policy with XXXX ) as well an escrow of taxes. I understand that Federal regulations have changed and I may be required to escrow the flood insurance, but we do not believe they have the right to collect my taxes on our behalf if we have opted to pay them them directly on our own ( see Closing Document ). The mortgage documents we signed were for a non-escrow loan. I have made several attempts to contact them and have reached several people including supervisors, who say they must pass the information on to a manager in the escrow department and they will call me back. I have never received a call back and am now receiving collection letters. We have been making regular payments for the original amounts due on the loan. We have not been paying the amount they say is due for the escrow, since we have already paid the taxes and purchased the insurance on our own. We would like the amount on the statements to show what we are actually legally required to remit to them and to stop receiving notices saying that we are in debt.
Consumer complaint received 2017-04-03
Product: Payday loan — 
Issue: Can't contact lender — 
Company: CURO Intermediate Holdings (SC)

I obtained my credit report on XXXX/XXXX/2017 and noticed that I had a collection on my account from SpeedyCash. I called the company on XXXX/XXXX/2017 and advised that I did not have a loan from them and not sure how they got my information. I then proceeded to ask them to send me documentation with my signature showing I authorized this account. I was then sent a letter dated XXXX/XXXX/2017 stating that I failed to respond to a letter they sent previously and now the debt has been validated. I was never sent in letters stating that I allegedly had this debt and they failed to send documents with my signatures.
Consumer complaint received 2016-09-13
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (GA)

All XXXX ( XXXX ) bureaus continue to place freezes or alerts on my report without my knowledge or consent. I have asked them to remove the freezes/alerts to no avail - they keep adding them. Under FCRA 605A ( a ) ( 1 ), fraud alerts can only be placed in the credit file at the request of the consumer and Under FCRA 605A ( a ) ( 1 ) ( A ), a fraud alert can be removed simply at the request of the consumer at any time ... 

I have not authorized ANY of the bureaus to place anything on my credit files and the alerts/freezes THEY have place on my files are hindering me from obtaining credit as no one is able to obtain my report.
Consumer complaint received 2016-12-31
Product: Credit card — 
Issue: Delinquent account — 
Company: Atlanticus Services Corporation (FL)

I just checked my credit reports to only find out that my credit service, Fortiva ( The Home Improver Card ), reported my history over 30+ days late. I have never made a payment over 30 days late. I was a few days past the due date, by never went past the next due date. Their website does n't provide the required information ( amount past due ) or a PDF version of the monthly billing statements, or even a physical breakdown of what is due, etc. I have pictures that show what their site looks like and you have to guess the amount due, as you are not required to pay the next month 's amount until the next due date, but if you want to know what is due, you have to guess. Their phone system is horrible and when their agents call, they do n't tell you where they 're from, they just say " Account Services ''. I literally had to tell her to tell me the name of the credit card they are calling for as I have many retail cards. She said, '' Well you just made a payment to us on XX/XX/XXXX, '' and I said I have made multiple payments to accounts on XX/XX/XXXX. I told her I go by the name of the card. She finally huffed and told me it was for my XXXX credit card. I told her the payment was sent to be received on XX/XX/XXXX. She then told me that I could make a payment through their site, and I told her it does n't post for 5 days, unless I expedited it and it costs. She said that was incorrect information. I said I 've tried it twice and it shows that it would post right away. Come to find out it was because they had just received a payment and their system would n't allow another to be scheduled within 7 days. They need to get with the times and up to standards with the laws. I submitted a dispute with XXXX. I will submit the dispute with the agencies after I submit this with the CFPB.
Consumer complaint received 2017-01-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TN)

XXXX erroneously reported that I was XXXX days past due on my mortgage when I paid on XX/XX/XXXX over the phone and payment was credited the same day. They are crooks and should be fined and I am demanding that they immediately correct my credit report. 

DITECH FINANCIAL LLC has flagged your account as XXXX Days Past Due. 
XX/XX/XXXX Alert Date XXXX Source EXPERIAN XXXX DITECH FINANCIAL LLC Payment Status XXXX Days Past Due Status Date XX/XX/2016 Balance {$180000.00} Balance Date XXXX Address XXXX XXXX, MN XXXX
Consumer complaint received 2016-11-29
Product: Credit card — 
Issue: Other fee — 
Company: SYNCHRONY FINANCIAL (PA)

For several months now I have noticed on my statement from Synchrony Bank that there is no minimum payment. They increase each months payment to suit them. The card in question is Walmart and I have realized that this bank has many of the day to day cards people use. At the moment I use this card for monthly food but did not expect the monthly payment to increase for doing so. Attachments
Consumer complaint received 2017-01-14
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

I recently set up an account on VENMO and have done a couple of small transactions between $ XXXX {$100.00}. Then two days ago, i had a payment that was being sent to me for {$2800.00}. I accepted the payment and attempted to transfer the funds, but then received an email from VENMO that said the following " Your Venmo account has been suspended due to recent activity that appears to be a violation of our User Agreement. If you would like to reactivate your account, please reply to this email with a picture of your unexpired US government issued photo identification to begin the review. '' I had no idea what the issue was, but sent a picture of my ID immediately. Then I called them and tried to find out what was going on and spoke to a CSR who informed me that they could not see any details on my account, that it had to be handled by an " account specialist '' and that they would be back in touch within 3-5 business days! I asked to speak to the account specialist, but they said they do n't have phones, and only correspond via email. I could n't believe it and pushed to speak to a mgr and after being on hold for over 30 minutes, a mgr came on the phone and said that they would expedite my request to the account specialist and would ask that they contact me. I waited all day and then at XXXX last night, received an email stating that they could not resolve the issue because " I had not sent a copy of my bank statement '' No one had told me or asked for my bank statement in their previous communique and to be honest, I do not feel comfortable sending it. I then went online and did some research and saw hundreds of complaints posted saying that VENMO kept their money and never gave it back and the amounts all ranged around {$2500.00}. They talked about the same issues i was dealing with, with no answers, no way to reach anyone that could assist and no resolution. I now suspect that what they do is " flag '' any transaction that is in that {$2500.00} range and use any excuse to hold the funds. Imagine if they are doing this to millions of people? 

If they have some kind of rule that is violated ( unbeknownst to the parties involved ), why not stop the transaction, not accept the funds and let the two parties involved know that it wo n't be going through? Instead what they do is TAKE the money, and then hold it in their accounts and not give it back to the person that paid the funds nor do they give it to the person that is owed the money. That seems highly illegal. 

I would appreciate your assistance in helping me get this resolved. Not just for me, but I believe there could be a major scam going on here, with millions of people using VENMO and it needs to be brought to light. 
thank you, XXXX XXXX
Consumer complaint received 2016-11-29
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: Paypal Holdings, Inc (FL)

I purchased a product through Ebay some time in XXXX of 2015. At the time from what I could tell I paid with Paypal. I called paypal a couple of weeks later to mention that I did not see the charge on my account. They said that they could not see it either, I called 5 times to confirm and they continued to tell me that there was no charge but I received the merchandise. It turns out the charge went to billmelater which is now called paypal credit. I was never told of this change. It kept getting notices from paypal that the bill was late but when I logged on the account was fine, no late charge. I think sometime before I made the purchase I remember calling a number that was shown on ebay to extend the period of the credit line. This phone number later I found out was billmelater or paypal credit, I had completely forgotten about the call because that is what paypal credit used to call me, in not so many words, a liar. They waited to the six months expired to charge me for the interest on the purchase and to contact me. Never mind that I called paypal several times and my account is practically in zero balance. No they said there is not they could do, they closed the account and told that if I wanted to pay I need to contact them every month.
Consumer complaint received 2016-05-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (TX)

According to Equifax they confirmed that I have the debts from a XXXX XXXX in XXXX, Texas and that is not true at all. I do not know where and what it is. I am XXXX and have been treated by either VA hospital in XXXX or VA clinic in XXXX. Who ever made claim is incorrect. 
The time frame that the charges at XXXX were done I was NOT in area!
Consumer complaint received 2016-10-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (CA)

We had an approved trial plan with XXXX. Our loan was transferred to PHH. PHH refused to honor our loan modification. We made all trial payments on time. I am attaching a fradulent statement sent to us by PHH. They bhave since refused our payments.
Consumer complaint received 2016-09-13
Product: Prepaid card — Government benefit payment card
Issue: Managing, opening, or closing account — 
Company: CITIBANK, N.A. (DC)

Citi 's online form for transferring funds to my bank account consistently reports that the system is unavailable. Calls to Citi customer service result in requests for a transfer request via fax, which are consistently rejected due to " incomplete information '' but the agents are unable to say what information was lacking.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I already filed one complaint you let them duck out of. They never returned my money from closed checking. There never was a credit card involved because they never finished getting checking set up. But they reported me in collections for a credit card on my credit report, which is a crime in itself. They offer up every excuse/roadblock known to man yet you've already busted them as they continue to XXXX XXXX  and my credit report around. Meanwhile I just got awardes 100 % XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I'd like to thank you and XXXX for continuing to be part of the reason I can't get a home. Next holiday you'll all be faking a thank you to me
Consumer complaint received 2016-10-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I wrote Trans Union a letter on XXXX XXXX. In my letter, I identified several errors on my credit report that I would like them to investigate. Today is XXXX XXXX, I have received nothing back from Trans Union ; no response. They were supposed to respond within 30 days.
Consumer complaint received 2016-12-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (WI)

Diversified Consultants Inc XXXX Fl XXXX XXXX call me almost daily asking when I am going to pay the amount ( over {$1000.00} ) I owe to XXXX, a phone Co. I do not owe any money to that company or any other company. I tell them that but they do not believe me. I ask them to send me something in writing that shows I owe money, but they do not. They have the wrong person but will not give up. Could you please put a stop to this.
Consumer complaint received 2016-07-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (UT)

Several months ago I received a targeted promotional offer ( code : XXXX ) from Citibank to open a Citigold checking account and receive XXXX AAdvantage miles as a sign up bonus. The requirements for this promo were that at least {$1000.00} dollars be spent in the first two months on the attached debit card and that I make two bill pay payments in the first two consecutive months that the account is open. I opened the account in XXXX and after I completed all the requirements, I sent a secure message to Citi customer service to confirm my enrollment in the promotion and that the requirements were met. They responded on XXXX and assured me that I was eligible and enrolled in the promo and that all the requirements were completed. A screenshot of that secure message is attached to this complaint. 

The promotion disclosures document says, " The AAdvantage bonus miles will be credited by Citibank to your AAdvantage account within 90 calendar days from the date when you completed all offer requirements. '' The date on which I completed the last requirement was XXXX XXXX, 2016. Therefore, according the Citi 's own terms, I should have received the points by XXXX XXXX, but the points were never credited to my account. Instead, Citi tried to change the terms of the agreement and say that I would receive the points by the end of the month of XXXX. They claim that the 90 day waiting period does not start until the end of the billing period in which the requirements are met, contrary to what the promo disclosures page says. 

Last week I called customer service to inquire about when my bonus would be processed, and Citi impformed me that they closed my Citigold account on XXXX XXXX, 2016 and told me that they are denying me the promotion bonus miles. This account closure must have been backdated, as I made a cash advance from my Citi credit account and deposited those funds into the Citigold account in order to cover its montly fees on XXXX XXXX, 2016. Citi has disallowed me from viewing my past checking account history and statements online since the account is closed, but I do have a screenshot of my credit account activity which shows the transfer made into the checking account on XXXX. This screenshot is attached to this complaint. I believe this to be a deliberate attempt to deny me the bonus miles that I have rightfully earned according to the terms and conditions of the promotion.
Consumer complaint received 2016-10-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (TX)

I was a victim of identity theft and noticed a collection from ENHANCED RECOVERY I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commission which I wrote a formal complaint against ENHANCED RECOVERY in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2016-07-13
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Pacific Rim Alliance Corporation (WA)

I filled for bankruptcy in 2012 the company/payday loan company CHECK MATE was notified as of such and a year ago they contacted me about the debt and I told them once again I filed bankruptcy on this loan and they stated sorry wont bother you and then today they had a man XXXX, XXXX XXXX contact and threaten me yet again about a judgement going against me for this payday loan. He clearly stated that it was for CHECKMATE payday loans and I clearly told him I filed bankruptcy 4yrs ago on this loan.
Consumer complaint received 2016-06-28
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (NC)

Costco Wholesale Club has changed credit cards accepted from XXXX XXXX ( XXXX ) to Citi Bank XXXX XXXX. When I joined Costco, I was not given any choice as to the credit card I was required to have as the XXXX account was required to bill my membership. Recently Costco/XXXX opened an account with Citi in my name, forwarding all of my personal credit information ( name, date of birth, social security number, address ) to Citi without my knowledge or approval. 
Upon discussion with Costco, they informed me that when I signed the agreement with XXXX, it had a clause that allows XXXX to sell my information to any credit card company. When I joined Costco, I was required to get an XXXX account to join the club. Again, this was not my choice to open an account, but I wanted to have a Costco membership. 
When the XXXX bill for my Costco membership came to my home, I paid the membership fee to XXXX. A month later, I got a bill from CitiBank that had several transactions in the bill, and an outstanding balance of {$.00}. When I called CitiBank, they informed me that the payment was late. I immediately canceled the card.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NM)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2017-01-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (FL)

Citibank advertised a XXXX XXXX Account. XXXX {$15000.00}, leave it with the bank for XXXX days and they would give a bonus of {$400.00}. My husband and I opened XXXX accounts on XX/XX/XXXX. Today is XX/XX/XXXX and we still have not received the {$400.00} bonus that was due us on XX/XX/XXXX We have called the main office numerous times and they keep promising the money will be there, first on XX/XX/XXXX then on the XX/XX/XXXX and then on the XX/XX/XXXX and now maybe never. This is a fraud perpetrated by the bank. The bank employee who set up these accounts is XXXX and the bank XXXX is XXXX. I spoke to XXXX on the XXXX he was very sympathetic by unable to anything. He swore he would get our money but I no longer believe anything from Citibank.
Consumer complaint received 2016-07-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (TN)

I 've submitted several request for loan Modification to HSBC Mortgage Servicer for assistance in reducing the interest rate on my home loan, which is at 8.76 %, which is perhaps the highest in the nation at the current time. All of my loan modifications have been denied. Once I submit a loan modification request, they assign a loan representative, then they unassign then assign a new representative, who is most always difficult to contact. They ask for the same documents over and over, as if the the documents sent to them goes into a black hole. My most recent loan modification that included a request for the removal of a balloon payment, interest rate reduction and forgiveness of all or a portion of the principal, was again denied in XX/XX/XXXX. They did not provide a specific reason for the denial but said that i could appeal. Appeal what? The latest person that I spoke with at HSBC only offered the advise of making the next 6 payments on time? Ok, so what happens after making the payments on time, Is my balloon payment going to be removed? Is my interest rate of 8.76 % going to be reduced to the current marke? Is my principal going to be reduced or forgiven? I have never been able to reach my loan representative! This is an excerpt from the most recent XX/XX/XXXX National Mortgage Settlement, which HSBC Mortgage Servicer have not been in compliance with : " HSBC is also required to complete XXXX in creditable consumer relief directly to borrowers and homeowners by XXXX XXXX in the form of reducing the principal on mortgages for borrowers who are at risk of default, reducing mortgage interest rates, forgiving forbearance and other forms of relief. The relief to homeowners has been underway and will likely provide more than XXXX in direct benefits to borrowers because HSBC will not be permitted to claim credit for every dollar spent on the required consumer relief. '' I am one of those borrowers that HSBC refuse to work with.
Consumer complaint received 2016-05-24
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC. (IL)

On XXXX XXXX, 2016, I was informed by a loan officer from XXXX XXXX XXXX XXXX XXXX Bank that my mortgage application would be denied because she had talked with XXXX, XXXX, XXXX and XXXX, XXXX about a debt judgement between myself and XXXX debt collection companies that the firm is representing. This is a direct violation of the Fair Debt Collections Act. Because of the communication between the firm and the bank, I lost a morgage that could have reduced my interest rate and equity that would have paid off all current credit debt, freeing our finances up to pay off the judgement amounts in the future.