davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-22
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

A few months ago, I realized that Citibank had charged me XXXX of dollars each month for payment safeguard, a service I never signed up for, and that the CFPB has called an unfair and deceptive practice. I called and asked to quit the program and said I wanted a refund, and was given a fee adjustment of {$700.00}. Today I realized that even after that, I 've still been incurring monthly payment safeguard charges, and I called Citibank 's payment safeguard office again. ( I spoke to someone whose employee reference number is XXXX, if that 's relevant. ) She told me that the account showed that I had indeed cancelled the service, and she could n't explain why I was still being charged. She said she would put in a request for a refund but that it was n't up to her. This is XXXX of dollars a month. I do n't know what to do.
Consumer complaint received 2016-11-28
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Cedars Business Services, LLC (GA)

I worked overseas in XXXX XXXX at the XXXX. This company forces all its new employees to take out loans for housing. I took out the loan and paid on the loan until I left the company and moved back to the states. I called the company where I got the loan, ( XXXX ) in XXXX XXXX to explain my situation to them but they refused to speak with me or set up any payments unless I paid them a huge payment. 
Within a few weeks Cedar Financial started calling me. I spoke with several Cedar Financial representatives and informed them I was n't working and once I started working I would make payments on the loan. They refused to listen and one even suggested I go back to my old jobs. They continue to call and leave messages on my phone. They have been harassing my daughter by calling her consistently. She has nothing to do with this issue and when I 've tried to call them to demand they stop calling me and my daughter they say they ca n't find any information regarding them calling me nor can they find me in their system. Yet they continue to call. Almost daily. 
They call my daughter while she 's at work, in the morning and in the evening. This needs to stop. I do n't want them calling me and I will make payments when I find a job. Until then, I do n't need to hear from them. I do n't appreciate them bothering my daughter with this and we are both being harassed by this awful company. One last note, my daughter 's name is n't on this loan and she was in the States when I was forced to take out the loan. 
I had no intention of telling my daughter about the loan but Cedar Financial took it upon themselves to involve her in this situation. I fear they would call someone else in my family if they knew where to find them. I do n't like that. I do n't like everyone knowing my financial situation and Cedar Financial tries to shame people by releasing private financial information about them to family members
Consumer complaint received 2017-03-21
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TRANSWORLD SYSTEMS INC (FL)

This account appears to be from XXXX XXXX XXXX I had in XX/XX/2010. 

It is unknown why car insurance company would attempt to file a bad debt as in NO means whatsoever did I request any type or form of credit line from this company. I switched to XXXX in good standing around that period and was not whatsoever carrying any kind of ongoing payment obligation to XXXX. 

More importantly, this account is noted from XX/XX/2010, XXXX is falsifying all reference to this account in effort to collect monies NOT owed. 

This account is causing me financial detriment and I will be filing with the state attorneys office for fraud as well the FTC if not immediately removed and deleted.
Consumer complaint received 2016-09-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (LA)

Equifax has a Public Record posting on my credit report of Bankruptcy that states is was dismissed before it went forward. But they still have it on my report and will not remove it. It is hurting my credit badly. Equifax has made it impossible for me to file a complaint, stating their personal information does not match the personal information I submit on their online form ; further, they say I can fax my driver 's license to them but that will not fix the situation for XXXX reasons : one, I have dual residence and my license reflects my other address, and two, I am XXXX without a fax machine and it creates a hardship for me to even try to follow their instructions. The posting should have been removed since it was dismissed and not germane to any credit evaluations.
Consumer complaint received 2016-09-11
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CURO Intermediate Holdings (NV)

I took out an installment loan with Rapid cash. I had problems paying back the installment loan and immediately called Rapid Cash to inform them and make lower payment arrangements. Rapid Cash allowed me to make bi weekly payments in the amount of {$50.00} and I paid the loan and interest from {$2500.00} down to {$1600.00}. Each time I went to a rapid Cash store I was told repeatedly I could make the payments over the phone or internet instead of coming in the stores bi-weekly. On XXXX XXXX, XXXX I took the advice of employees at Rapid Cash and went to the Rapid Cash website and entered my husbands visa check card to make the usual {$50.00} payment. The website did n't allow me to enter a payment amount, did n't show me a balance due, it requested the card number only. At this point I called Rapid Cash to ask for help with the website but they said the account was paid in full. Around this same time my husband called to say the checking so accounty was emptied. I alone with an employee from our credit union XXXX XXXX called Rapid Cash and asked them to reverse the {$1600.00} charge. They refused and told me the only thing I could do was return to rapid cash and take out another loan. With no other way to prevent my mortgage payment from a NSF and no way to feed my family for two more weeks I took the advice from the Rapid Cash employee. I asked them to waive any interest because they unlawfully removed monies from our account and they refused. I now re owe rapid cash {$2500.00} from the {$1500.00} loan I was forced to take out. I make a few payments for {$100.00} and now payments of {$50.00} bi weekly again but all the my payments for over 1 year has gone to interest, none to principal. I will pay them until XX/XX/XXXX for the installment loan. I have copies of the installment loan, bank information, receipts, phone numbers employees wrote on receipts suggesting I call in payments, and letters of attempting to resolve this matter with Rapid Cash. My letters and request have been ignored. Any help will be appreciated because I feel things are n't completely legal with the circumstances. Thank you
Consumer complaint received 2017-03-20
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (CA)

Earlier this month I made two transfers via Wells Fargo sure pay using the recipient 's email address ( XXXX ). According the the recipient, he never got the money. I tried calling and send emails Wells Fargo claims department. But I did not get any clear answer. If the recipient never got the money - then where did it go? 

The following are the transaction details : Expand XX/XX/XXXX TRANSFER TO XXXX ON XX/XX/XXXX REF # XXXX {$330.00} Expand XX/XX/XXXX TRANSFER TO XXXX ON XX/XX/XXXX REF # XXXX TAX ADVICE XX/XX/XXXX {$100.00}
Consumer complaint received 2016-09-12
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BB&T CORPORATION (MD)

I have a loan with BB & T for a piece of property we bought in North Carolina. We 've had the loan for a number of years and were in the process of doing a loan modification with BB & T since the loan was coming to term. During that modification period, I was told that I would not have to make a mortgage payment because the interest would be pulled into my settlement costs. Shortly thereafter, I started receiving foreclosure letters from an attorney on behalf of BB & T saying the loan was delinquent and my account stated being assessed for a lot of different foreclosure fees. When I brought this to the attention of XXXX XXXX, Vice President for the XXXX Branch who was conducting my modification, she told me that those would be removed and it was just that the mortgage department and foreclosure departments were miscommunicating. This went on for some time and BB & T continued to add fees to my loan. I was told all along that these would be removed, but XXXX XXXX continued to give me excuses about why they were n't being removed. All in all, my account has been assessed with at least {$1400.00} in foreclosure fees because BB & T 's XXXX departments were not communicating that this loan was in a modification. Looking for help to get this corrected and have the erroneous fees removed, since I have been completely ignored in my direct requests to remedy the situation.
Consumer complaint received 2016-11-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In 2007 I was moving and canceling my XXXX cable service. I was late returning the cable box and was negatively dinged on my credit. This was 9 years ago and it is still the first thing that comes up on my credit report. I have never been late on credit card payments and have been building my credit since I was XXXX. There also seems to be credit card delinquencies that are not substantiated and are false. This is an unfair system that does n't have sufficient oversight into correcting issues like this. Please help me! Thank you
Consumer complaint received 2017-03-20
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (MD)

When closing for my home mortgage on the property at XXXX MD XXXX. I closed with a mortgage company who after my closing sold my Mortgage to PennyMac. During closing I was told to purchase home owners insurance on the property which I did. For the value of {$390000.00} i was only required to have {$330000.00} of coverage as what was estimated at far market value to replace the home. Today XX/XX/2017 I received a letter from PennyMac istructing me that I must increase my insure coverage ( the letter by the way was dated XX/XX/XXXX ). Upon speaking PennyMac on XX/XX/2017 they infomed me is must increase my coverage to {$5000.00} dollars past what is on the current loan. I was told that this was THEIR policy. If I did not do this then they said PennyMac would buy insurance for me. I believe this is in violation of my mortgage agreement that I signed at closing.
Consumer complaint received 2016-12-28
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company (OR)

XXXX XXXX I was forced to sale my home due to hardship related to divorce. I entered into the loss mitigation process XXXX with an offer, but Freedom Mortgage continually delayed the process, lost documents, and eventually caused XXXX buyers to back out over 5 months. Finally, I received a cash offer, but still it took several months of back and forth to Sell the home. Following the sale of the home XXXX XXXX Freedom Mortgage continued to notify the credit bureaus that I am past due 180 days. This home had multiple offers, would have sold multiple times, and even after it sold I continued to get threatening letters regarding property insurance on a home I no longer owned. Freedom Mortgage has no accountability and their departments lack communication that sets up consumers for failure. 
Their loss mitigation process is not transparent, their customer service department lacks customer service ( Multiple complaints filed with no response ), and they have made no attempt to work with me to resolve this issue. I submitted my complaint to the XXXX with an evidence file that clearly articulates the issue with time stamped evidence, but the response completely avoids the evidence presented and only points out a poorly drafted timeline that omits their continued failures questioned in my complaint.
Consumer complaint received 2016-10-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Van Ru Credit Corporation (GA)

A company called Van Ru Credit Corporation located at XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX, is continually sending me letters to collect a debt which has expired. They have not removed this debt from my credit report either. Even the letters state that the debt has expired. If I contact this company directly, the 'clock ' will start running again and even states as much in the letter. The original debt was less than {$300.00}, but they have inflated it to {$2200.00}. Can you help me. I am a XXXX veteran with limited resources, but still need a good credit rating like everyone else in this country.
Consumer complaint received 2016-11-25
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLANET HOME LENDING, LLC (HI)

I had a fire loss to my property last year in XXXX. My insurance company came out and inspected the damage and estimated the cost of repairs. I found a contractor who also submitted a cost estimate to complete repairs along with a payment schedule. This proposal was accepted by both myself and my insurance company and the insurance company cut a check for repairs. The check was made out to my husband, myself, and my mortgage company. So far, we 've had 1 inspection that indicates that 50 % of the work has been completed. My mortgage company 's loss draft department is now not following the contract, and has so far released 50 % of the funds but has not been willing to dispense more funds to continue working. My contractor has written that without more funds sent we will be in breach of the contract and he will walk from the job. I 've spoken with the mortgage company numerous times at this point. They insist that another inspection needs to be done to send more money, and I have ordered another inspection in the hopes that we can continue to move forward with my home repairs. However, each time I call Planet Home Lending they have no records of an inspection having been ordered and I am told that I must speak with my processor. Yet my processor is always either on the phone or not in the office and I 'm told that they will call me back. No one has called me yet and when I call I continue to get no answers.
Consumer complaint received 2016-11-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (FL)

I do n't know where to start with 'WellsFargo '' I Have paid all my accounts with wells fargo they have sent me letters stating that everything has been paid and reported to XXXX and XXXX yet the have lied and continuously left me out and the dark they have the XXXX stating that they will not remove me because of fraud really look how many of their employees have been FIRED OF FRADULENT ACOUNTS AND SCAMS yet they sit they and judge me when they hired a bunch of crooks serious I made mistakes I 'm not proud but I never defrauded anyone like your employee they even closed my bank account because I 'm XXXX I was dating rich white man and he wrote, me checks for bills and etc.And the bank teller told me that I was a XXXX and I should be ashame of myself in the branch in front of everybody put me to shame because I 'm dating a rich XXXX these are the people representing wellsfargo I never in my life been so humiliated another personal banker PUSH ME OUT THE BANK YES and they gave me my money in the parking lot I 'm not not making this up I still witnesses til this very dare and I 'm still with same XXXX who left wellsfargo because of this incident who are these people where did they come from they sholudnt get away with this, I want my named cleared.
Consumer complaint received 2017-02-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

We applied for a home mortgage refinancing with BoA XX/XX/XXXX. After we locked in a market rate, they continually reappraised our home. They continually rejected appraisals until they received a low appraisal and then charged us {$6300.00} of closing cost points because we had become a " high-risk '' asset mortgage. 
The appraisal they eventually accepted was XXXX - XXXX % below the other appraisals that they rejected until they received one appraisal that forced us to pay points. Since interest rates increased over loan processing time, we had to pay the {$6300.00} of points. 
BoA said they have no influence over appraisal selection due to Dodd Frank, but they kept rejecting " independent '' appraisals until they found one low enough to force us to pay points. 
I spoke to the appraisers whose appraisals were rejected and they told me the appraisals were over XXXX % higher than the one low-ball that BoA eventually accepted. From BoA here was no explanation of the rejections, only constant streams of appraisers flowing through our house until they finally found an appraisal XXXX % below market that forced us to pay points. I tried to speak with BoA management. They never called to explain the multiple rejected appraisals or the assignment of points.
Consumer complaint received 2016-11-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

We received hail damage to our property on XXXX/XXXX/16. The mortgage holder on our property is Bank of America and we had to send all insurance checks to them for endorsement. The process of getting a check signed and returned so we could pay for repairs has been nothing short of ridiculous. All of the repairs on our home have been completed for almost three months. We have sent Bank of America all of the information ( contractor XXXX 's, receipts, etc ) they requested only to have them misplaced, forgotten, etc. We have made phone calls weekly, told our money was being sent ( weekly ) and are told something different every week. We had to take money set aside for other purposes and use to pay for repairs to our home and have still not received all of our funds from Bank of America. We have had late fees at our local lumber yard, etc. because we did n't receive our funds in a timely manner. Bank of America is still holding approximately {$1600.00} we received from insurance for depreciation. They have had this check for 6-8 weeks. I have done everything they have requested ( several times in some instances ) and do n't know what else to do. 
I have tried to resolve this issue over the phone and do not believe anything I am told at This point.
Consumer complaint received 2016-11-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Carter-Young, Inc. (HI)

I never received notification that I owed this debt. It was an apartment I lived in before I XXXX to XXXX as an XXXX XXXX XXXX XXXX. I paid all rent charges in full before leaving and was never called or emailed regarding additional charges tpnky account.
Consumer complaint received 2016-11-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recieved an alert from my credit monitoring service that 6 days ago, a collection company ( XXXX and transuinon had deleted an account from my report and then reinserted it the same day. I have waited the 5 days required by law to recieve a reinsertion letter and have not recieved this. It is illegal to reinsert a collection that had been removed without notifying the consumer.
Consumer complaint received 2016-12-28
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

During the housing collapse where consumers were getting encouraged to take out illegal loans, I purchased a home with a countrywide mortgage. It was a first and second mortgage. 

Bank of america strategically sold my first when it was announced that they would have to modify the existing loans. That left me unable to combine a 1st and a 2nd mortgage. My second mortgage was XXXX at 8.825 %. I have been paying for 10 years and the principal is now {$38000.00} while never missing a payment. bank of America has received {$33000.00} in interest. I need help getting a new interest rate or modify this loan
Consumer complaint received 2016-05-22
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Senex Services Corp. (NJ)

My son had a XXXX in XXXX 2014 at XXXX XXXX XXXX and was covered under his father 's insurance. All the bills the hospital sent were in his father 's name. There were a few bills and he told me he took care of them. I received XXXX bill from XXXX XXXX XXXX XX/XX/XXXX and thought it must be wrong. I contacted the hospital via their website a few times inquiring about this bill, but never received a response. I found out that this is now on my credit report and went to the hospital and then the administration building. They told me that they switched it to my name without ever notifying me and never sent me a bill and sent it directly to a collection company.
Consumer complaint received 2016-11-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (TN)

I have had numerous issues with equifax. They continuiously add a derogatory mark " medical bill, '' that has been taken off at least twice in the past 4 years. This will make the third time. Hopefully, going through you guys can remedy this situation. Im not sure who is to blame, the company that keeps reporting or equifax. I thought this had been solved, has n't been on report for well over a year. Please help me with this.