davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-17
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (NY)

Please note that I have done everything humanly possible to SAVE MYHOME! The last straw happened today XX/XX/2016. I feel as if my case could 've been finished sooner if the bank would 've communicated internally to find my checks. I CALLED AND PROVIDED PLENTY OF INFORMATION REGARDING CHECK NUMBERS, CHECK AMOUNTS AND THE ADDRESS THE CHECK WAS SENT TO AND I WAS INFORMED THAT MY CHECKS WOULD LIKELY BE SHREDDED AND IT WOULD TAKE LESS TIME TO PLACE A HOLD ON THE CHECKS AND RESUBMIT!! I did as I was instructed and they will not check for the location of the checks or take my payment of {$250.00}. This has ruled me out of a modification. Here is what happened. I had XXXX checks sent to Citimortgage XXXX in the amount of {$5000.00} and another in the amount of {$470.00} the check numbers were as follows {$5000.00} and XXXX in the amount of XXXX both checks were mailed on Saturday XXXX XXXX. On Monday I contacted Citimortgage to see if they received the check and they did n't so I called everyday and I provided them with the check numbers and the address it was sent to I was not informed that my checks would be scanned and shredded if they arrived at the corresponding address XXXX XXXX XXXX until after I spoke to my Counselor for our scheduled conversation on XX/XX/2016. I was under the impression that it would be simple for Citimortgage to communicate with the correspondence unit about my check information and then process the checks. Once I spoke to XXXX XXXX I was told that it would not be a simple process and it could take up to 2 weeks if the documents were not shredded. As per her directive I had the checks cancelled and reissued again. The new check numbers are as follows XXXX in the amount of {$5000.00} and XXXX {$440.00}. I also called to inform Citimortgage that the checks we 're mailed out and that I used the new address that a rep and counselor gave me. I thought they could trace the checks to tell me exactly were they were. But no, I was told that they did n't get the check and they would contact the advocate department. Also no customer service rep would take my debit payment of {$250.00} dollars until they processed the missing checks. This is terrible and I have been taken advantage of once again. These XXXX checks will make my trial payments total to close to over {$16000.00} Although it 's clear that I have accurate info they will note contact staff members with the check numbers to process documentation. I am XXXX afraid of what will happen to my home. To make matters worse I was not given an appointment to speak to my counselor until after my deadline. This means XXXX checks were sent and an outside trace shows the first set of checks being delivered to the post office. PLEASE HELP ME!! These checks that have been sent and have traceable I information are about to make ME HOMELESS!!
Consumer complaint received 2017-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

We voluntarily gave back a car we were financing back in XXXX. Once we gave the car back we contacted about the amount owed on the car. My husband and I paid {$3500.00} to satisfy the amount with XXXX XXXX and the agreement we signed says it will be updated on the credit report as satisfied paid and XXXX balance. ( letter agreement attached ) We were not told it will be a charge off. It should never been reported as a charge off when we voluntary gave the car back and the company sold the car for a high amount. Since XXXX we have been going back and forth about how it is reporting on our credit. It shows as a charged off account in the amount of {$14000.00} and a balance of {$14000.00}. I attached emails where the lady from XXXX XXXX XXXX said she already reported it to the credit company as " paid with {$0.00} balance ''. For 2 1/2 years now this account on our reports have caused us to be denied auto loans, home loans, and credit cards. We thought we were doing the right thing by settling and working with XXXX and XXXX XXXX. I feel it was against the law the way it has been reporting on our reports for the last 2 1/2 years and since they sold the car for over {$10000.00} and collected {$3500.00} from us they actually doubled up on amounts and possibly reported the charge off on taxes as {$14000.00} when really they got money for the car from the sale and us. I also called a gentleman a month ago and he told me this will remain how it is on the credit and they will not change it ... Even though I have the proof from XXXX that she will report it as paid satisfied with a XXXX balance ... I never knew how I could solve this issue so I hope going through CFPB we can get resolution on this case. I attached some documents as proof from XXXX XXXX.
Consumer complaint received 2016-06-16
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (AZ)

Ocwen On my credit report it shows XXXX 30 days late, XXXX XXXX and XXXX XXXX. The funds was sent on XXXX XXXX, XXXX from XXXX, and Ocwen claims they did not received it until XXXX XXXX, XXXX. They also stated that the payment was in the month of XXXX XXXX, XXXX, and I was considered late. From my understating of the law I had 30 days to make this payment, and it does not matter if it was in the same month. It was due on XXXX XXXX, XXXX, and add 30 days on top of that would make it XXXX XXXX, XXXX. For the month of XXXX XXXX. XXXX XXXX from Ombudsman stated in a letter in paragraph XXXX if I could show proof that the funds were processed by my bank and received by Ocwen on XXXX XXXX, XXXX he will change the 30 days late. I as well as other people sent him copies of proof of payment that showed it was process and accepted on XXXX XXXX, XXXX at XXXX. He is not a man of his word. I would like these two months to be changed to OK on my credit report. If there is another investigation I want someone else other than XXXX XXXX to look at my case. I believe that this man not to be trust worthy, and I have a right for another person who has not looked at my case to investigate if it comes down to it.
Consumer complaint received 2016-06-16
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

I hired someone in IOWA to do work for our company. They never delivered anything. My company requested a refund. Initially he refused to issue a refund. Then agreed to a partial refund. He never made any effort to give any money back. We filed a claim with paypal who denied our disputes due to him lying and giving the false tracking number # XXXX. We then filed a chargeback through our Bank - Bank of America. The merchant has confirmed IN WRITING that they owe a refund and that they are NOT WITHOLDING our chargeback. They have agreed to refund us and say that XXXX has already WITHDRAWN THE FULL AMOUNT OF {$4600.00} from his account! All that is left is for BOA to credit my account. 

For almost 60 days now, I have made close to XXXX phone calls, spending hours on the phone with BOA who has also lied and has given us the runaround with false escalations, etc. 

First they were waiting on response from paypal ( not true ), then they claimed evidence was given ( not true ), they never sent me any paperwork, never sent me any emails, and never let me speak to so-called " investigators '' who make the actual decision. 

I have been mysteriously disconnected after waiting on hold in excess of 30 minutes multiple times. All of this, and they are supposed to be ON MY SIDE of the dispute. 

All evidence points back to BOA witholding information, dragging their feet and not showing any interest in resolving this issue. One rep told me " I do n't know why they have n't even looked at your request yet ''.
Consumer complaint received 2016-06-16
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Duvera Billing Services, LLC (NV)

Since receiving the loan, Duvera Financial has made numerous mistakes with my credit card not going through. The very first month, they input the wrong expiration date, which put XXXX returned payments on my account. There was also a card charged on my account that I do not own. Due to the returned payments, I was taken off the " 90 day '' plan and am now being charged daily interest rates.
Consumer complaint received 2016-06-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am submitting this complaint about transunion. I have XXXX accounts on my credit report ( XXXX and XXXX ). XXXX accounts are listed on my report as negative with a deragtory remark ... I contacted the bank who holds these XXXX accounts and received additional supporting information that the accounts should be listed as accounts in good standing and the deragtory remark removed. I upload these letters to transunion but it was rejected. I sent in via mail now the copies of the letters. I also tried to re-dispute this information so when they receive a response from the XXXX creditors they will receive the letter and fix my credit report. Transunion will not let me re-dispute this information. I also have an account on my credit report ( XXXX ) that is a fraudulant account. I spoke with XXXX in fraud investigation dept at XXXX and was told this account will be removed from all XXXX credit reports. I am still seeing reporting on my credit report. I am submitting this complaint because I have been spending countless hours and days trying to contact all XXXX credit reporting companies and I am getting nowhere. This is very fustrating because it is having a negative impact on my credit score.
Consumer complaint received 2016-11-22
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (CA)

I used my XXXX XXXX XXXX credit card, issued by Chase, with no foreign exchange fee, for a purchase in XXXX XXXX. The exchange rate used by Chase, provided by XXXX, was incorrect, causing me to overpay by US {$380.00}. The transaction posted on XXXX XXXX, 2016. Chase has twice refused to help because it is an exchange rate dispute. XXXX XXXX has also refused to acknowledge their error. 

For the date in question ( XXXX XXXX, 2016 ), here are the various conversion rates from XXXX XXXX XXXX XXXX XXXX to XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As you can see above, XXXX rate is substantially higher than those of its competitor XXXX as well as the various benchmarks. 

I have also done further research and found that, for the 4-day period from XXXX XXXX to XXXX, XXXX exchange rates from XXXX to XXXX deviated significantly from the rates for mastercard and the other benchmarks. In addition, for the same 4-day period, XXXX exchange rates had the same issue from XXXX to XXXX, as well as from XXXX to XXXX Dollar XXXX I have attached charts for the exchange rate for all benchmarks ( XXXX, XXXX, and XXXX ) for XXXX XXXX to XXXX for those XXXX currency conversions from XXXX to XXXX, XXXX, and XXXX. ( I did not check other currencies but assume there was a similar issue. )
Consumer complaint received 2016-06-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NY)

I have submitted supporting documentation to equifax and the other XXXX credit reporting companies in regards to XXXX accounts that are reporting as potentially negative. I contacted equifax because I received an e-mail that my results are ready to view. Upon clicking on the results nothing was there. I called equifax again to re-dispute these XXXX accounts. ( XXXX ) as they are to be listed as accounts that are in good standing and the degratory remark to be removed from the reports. Equifax tells me that it is still in dispute. I question how this can still be in dispute as I received confirmation that the results are ready. They will not let me re-dispute this incorrect information. The letters I uploaded from each account states to update my information because I contacted them directly to correct this information. I am getting nowhere again and my score keeps going down. I am trying to obtain credit for a car loan and having this incorrect information on my credit reports is affecting me in obtaining credit. I ca n't even view my report online I keep receiving an error message and tells me the address where I can write to them. I have sent letters/phone calls etc trying to clear this up. I am complaining because this has been going on for months and it should have been corrected by now especially when I have supporting documentation straight from commenity bank who holds these XXXX cards ... .. ( XXXX and XXXX ).
Consumer complaint received 2016-06-16
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: U.S. BANCORP (AZ)

I went into a US Bank banking center to make a payment on my auto loan. The teller put the payment toward my XXXX account with them instead, even after verifying the amount of the auto loan payment. About a week later I got a call from US Bank asking when I could make a payment on my auto loan and that I was now delinquent. I went back to the branch where I made the payment and took my receipt with me. They searched but could not find where the payment was posted, but said they would try to find it and fix their wrongdoing. I have been to XXXX branch locations now over the past three weeks and even though they found the payment posted to my XXXX account they still have not corrected the mistake. It has now been over 30 days and the delinquent calls keep coming in and they claim it is being reported to my credit.
Consumer complaint received 2017-06-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: InterLinc Mortgage Services, LLC (TX)

On  XXXX   XXXX ,  2017 , I was in the process of applying for a mortgage loan and  XXXX   XXXX   XXXX  processing department sent  over the VOA ( Verif ication of Employment ) which including my full name, social security number and address. The information was not sent to m y Human Resource conta ct but was sent via email  to a general email box that is only meant for " Inquires '' not for confidential. This email is monitored by over 50 pe ople in my company. So as of  XXXX   XXXX ,  2017  my personal information has been released. I was informed by this breach of confidential information by th e Vice President o f my company, which could have resulted in disciplinary actions. I have spoken with the president  XXXX   XXXX  of the company and he has only offered a 3 year credit monitoring plan.
Consumer complaint received 2016-06-16
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (IL)

I applied for a Citi Gold Checking account with a sign-up bonus for XXXX AAdvantage XXXX XXXX miles. I confirmed via instant chat on their website as well as over the phone that I was eligible, targeted, and had met the spending requirements to earn XXXX AAdvantage XXXX XXXX miles to be credited to AAdvantage account XXXX. They took my AAdvantage account credentials and should therefore already have this information. My husband 's complaint has been honored, and I was told to reply with another CFPB complaint of the same nature.
Consumer complaint received 2016-06-16
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

In XXXX 2015 I was sued by Portfolio Recovery Associates. I went to court and was ordered to mediation. At mediation, the attorney for Portfolio and I agreed on a settlement, to which I had 30 days to pay. I paid the debt in time. 
Portfolio will also confirm that it was paid in XXXX 2015. Every single month Portfolio reports to the credit bureaus that the debt is valid with the original balance. Every month I have called, spoken to their dispute department and was told they would take care of it immediately. It has yet to happen. Last month after months of inaction on their part, I disputed the charges with all XXXX credit bureaus. Portfolio in turn sent debt validation, validating the debt in writing to me and to all XXXX credit bureaus, 6 months after it was paid in full. I just spoke to them again, told them they are in violation, and they hung up on me.
Consumer complaint received 2016-06-16
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (TX)

I have been paying Wells Fargo Dealer Services more than the due amount every month. They have unlawfully charged me insurance fees, fees that ONLY cover the company in case anything happens to the vehicle and repossessed my car with no notice. 
Wells Fargo has done everything they can to keep the vehicle. I have been treated poorly by their representatives who are looking at the account and yelling at me like I owe them money, without even looking into the charges. 
No one that can help will speak to me. I have been given the run around and transferred over and over again. The few that I have spoken with have been very rude. 
They have now contracted a third party auction place who is charging me {$1000.00} in fees ( transport fee, storage fee, fee for items IN MY VEHICULE, ect.. to get the car back and is at this point, doing everything they can to keep the car and sell it an their auction. 
They transported the vehicle over XXXX miles away from my residence and expect me to find a way to it. 
You 're better off with a small bank or credit union. Wells Fargo could not care any less about any of their customers as long as they get paid.
Consumer complaint received 2016-06-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (WI)

We received a notice via email this morning that our terms had been changed for us from a payment of {$110.00} to {$780.00} /month. No previous correspondence had been received via mail or email. The Navient customer service was unhelpful in providing a reasonable resolution that would make this oppressive payment something my family could afford.
Consumer complaint received 2016-06-16
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (FL)

XXXX Citi businesses XXXX Hello .... I 'm XXXX XXXX Today is.. 
XXXX/XXXX/2016 XXXX Today I went to my bank, Citi bank to handle some business, as I entered I was waiting it was XXXX people in front of me.. Then more came in and went out before me into I noticed I was here a very long time ... 

When I looked up at the time I seen I 've been here For a very long time .. 
Two hours past and I was still siting there so as I was going to get up a man walked over and told me that they were very busy and that they where going on lunch soon .. So I XXXX ok I 'm siting here waiting that 's not a problem. 

so I sat for another hour then someone came and asked me to come sit with him. So as I did he asked me for everything he needed I gave him everything he need to set up my business account .. He XXXX ok great u have everything we need to open it. 

So as he was opening it up for me he 's manger XXXX not to do so. So when I asked him why he XXXX he could n't do anything it 's he 's manger he does n't like me cause I have long hair. I thought it was a joke .... 

I was very disappointed at him for that, I felt like I was not supposed to be here.. I really ca n't tell u how I felt because I do n't want anyone to feel like that. 

So then after all of the commotion I called the corporation and made a complaint against the manger.. 

The customer service lady XXXX it was ok to open it here she do n't see any problem ... 
So she was helping me with the complaint then she XXXX she 's going to contact the branch, so as she was trying to contact the branch he would not even pick up the phone to answer! 

In the past I would of went to jail over some XXXX like this, but my family Sade u wo n't get nothing out of this but trouble.. So I XXXX to my self I 'm going to do this the right way by using my head and putting it to the pen and paid ... To see if this really work! 

My senses proved me right, that As I entered the bank I noticed he 's facial expression and the way he was talking to me that he did n't like me. 

By the way he treated me like XXXX I felt like not being here anymore on this planet, So that 's why I 'm here today writing you to see if u can ... ... ... 
HELP ME? 

Complaint # XXXX Citi bank businesses XXXX Please give me a call if you can help me! 

XXXX XXXX ( XXXX XXXX XXXX Thank you!
Consumer complaint received 2016-06-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MD)

Back in XXXX 2016, I got a promotion offer from Citibank for opening a Citogold checking account with a bonus of XXXX XXXX miles. I opened the account in late XXXX and completed the required tasks for the bonus. However, in XXXX and XXXX, I sent several secure messages online to Citibank and they refused to offer the bonus by claiming that I was not eligible, despite the fact that I was confirmed several times in XXXX and XXXX when I talked to some representatives for eligibility inquiries.
Consumer complaint received 2016-06-16
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: RoundPoint Mortgage Servicing LLC (CA)

I have a HELOC account with roundpoint mortgage that was sold to them 6 years ago. And now I need to refinance my house and will need to get the payoff/close letter from them. Despite we 've contacted them so many times via calling/messaging/fax, and I 've never got anything back. 

Here is my HELOC account info : XXXX. And their contact number : XXXX. I have all the proof that I 've faxed them and also documented all my calls with them. But I never got anything back. 

Please handle this matter for me. 

Thank you, XXXX
Consumer complaint received 2017-07-15
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (CA)

I told you people and the BBB in ohio about these malignant   XXXX    from comenity bank collections. 2 1/2 years later AND 100 times they were told THERE is no imaginary   XXXX   XXXX   living in MY apt . hiding under MY table. I do n't give a   XXXX   who what where they looking for.   XXXX   XXXX   would tell this opprobrious derelicts  XXXX  changed her number. I looked it up on  XXXX  ONLY 3   XXXX   XXXX   in california, about   XXXX   miles south of me. Which   XXXX   XXXX   are these   XXXX   looking for. I want them jailed and punitive damages owed me for there malignant harassment, BLATANT stuck on  XXXX , SUBREPTION, this bank and there contracted collection agencies KEEP lying there sorry   XXXX   off, THEY claim to delete my number, AND stop there stuck on   XXXX   calling me. IS   XXXX   XXXX    THERE?! # Criminal  XXXX , TORT OF OUTRAGE is punitive. LAST   XXXX   I had to ONCE again verbally abuse called me from   XXXX   XXXX   XXXX   on  XXXX - XXXX -2017. THESE opprobriously malignant clowns have been told OVER 100 times in the last 2 years, THIS is my recycled number, there is NO fictitious   XXXX   XXXX   at MY residence!!!!!