davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (SC)

On XX/XX/18, I received an escrow analysis from Round Point Mortgage ( RPM ) that my mortgage payment will increase by {$380.00} due to a shortfall in my escrow balance. I quickly wrote RPM a letter on XX/XX/18 stating the discrepancy in the tax figure ( {$4100.00} vs {$1900.00} ) used and why there shouldnt be a need for my mortgage payment to increase as I should have just enough in my escrow. I requested for another escrow analysis on my account. 

When the second escrow analysis arrived in the mail dated XX/XX/18, my payment was reduced with a wrong tax figure used form a wrong property address while RPM sent me a check for {$1300.00} for a surplus. After several attempts of not getting through to their employee over the phone, I wrote another letter sending back the check on XX/XX/18. More specifically asking why my mortgage payment was left increased but I am receiving a check for surplus. Meanwhile, I was paying extra every month to pay down my principal. So, the extra $ XXXX I paid was applied to escrow instead of principal for my XXXX payment. 

Conducting a third escrow analysis, the new payment figure ( {$2400.00} ) RPM sent me was not the same as what was showing ( {$2500.00} ) on my account online. Furthermore, I was sent another check for {$500.00}. A representative called me prior to receiving the check that the check was sent in error and I shouldnt cash the check. Upon receiving the third escrow analysis and the check, when I called a rep over the phone, I was told to cash the check but no explanation was given to why there is a discrepancy in payment amount from what the escrow analysis statement showed versus what is shown online on my account. 

I have requested RPM to use the extra amount of {$380.00} applied to my escrow for my XXXX payment to pay down my and reduce my principal balance as well as a details on why there is a discrepancy in payment amount. I have once again returned the check for {$500.00} and demanded that my mortgage payment shouldnt change nor should I be receiving a check. 

Furthermore, RPM is still yet to give me a reason why my escrow balance is different when my loan was transferred to them versus what was on my closing statement when I bought the property. It seems RPM and her employees can not conduct an accurate escrow analysis nor are they fit to be a mortgage servicer. I am tired of talking to incompetent employees from RPM nor an Assistant Vice President who is sending me a wrong tax bill for a different property while trying to explain my dilemma.
Consumer complaint received 2019-01-24
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (NH)

XX/XX/2019 worked with a 3rd party company named XXXX they submitted our package on our behalf for Loss Mitigation Assistance Mod denied because XX/XX/2019 they were offered previous Flex Mod Trial plan and borrower was not aware so we did not accept Ditech failed to provide us proof that letter of approved trial was sent to us by mail, the 3rd party wrote a letter and that was not acceptable Ditech fails to communicate for alternative options Ditech does not return calls, We have a foreclosure sale on our property for XX/XX/2019
Consumer complaint received 2020-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: KEYCORP (NJ)

I am the parent/co-signer on my son 's student loan that is serviced by Key Bank/XXXX XXXX XXXX. I send in monthly payments by automatic debit from my business account with XXXXXXXX XXXX. I sent check # XXXX for the sum of {$220.00} on XX/XX/XXXX ; and check # XXXX for the sum of {$220.00} on XX/XX/XXXX. XXXX XXXX XXXX lost both checks. I contacted them via email on XX/XX/XXXX and forwarded copies of my bank statements showing the cashed checks. XXXX XXXX/Key Bank reported delinquency notices on my credit report causing my score to lower approximately 70 points. On XX/XX/XXXX, I spoke with Supervisor, XXXX ( Employee XXXX ). I informed him that XXXX sent me the cancelled checks cashed by XXXX and asked to settle the account. XXXX informed me that Key Bank has no process to settle accounts. I want to be able to settle the account due to the unfair damage Key Bank/XXXX XXXX caused me on my credit report.
Consumer complaint received 2024-10-15
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (MO)

- On XX/XX/XXXX I opened a Citi XXXX XXXX account with Citi Bank - XXXX XX/XX/XXXX I received the ATM/debit card in the mail and was able to add funds to savings account ( the ATM card number and PIN were needed to verify the account before I was able to add money into the account from my personal checking account at XXXX  XXXX XXXX  XXXX XXXX ] XXXX - On XX/XX/XXXX I moved {$5000.00} into the Citi XXXX  XXXX account from my personal checking account at XXXX Bank and received confirmation that this fund transfer was in process - On XX/XX/XXXX I checked my Citi mobile app to verify that the transfer had gone through and my entire Citi XXXX  XXXX account had disappeared and was inaccessible to me. The {$5000.00} had been successfully transferred OUT of my personal checking account at XXXX Bank but the Citi XXXX account was completely gone - On XX/XX/XXXX I phoned multiple Citi Bank departments and was able to get no answers about why my account had been closed, where my money had went, or when I would get my money back - On XX/XX/XXXX I opened a case with the Citi Bank executive office - On XX/XX/XXXX I spoke the Citi Officer of the Bank handling my savings account case and was told no additional information but that my account was being closed. She did not tell me when it would be closed and could not tell me when I would receive my {$5000.00}. She just said I had to wait 30 days and then I would need to contact the Citi XXXX department to confirm the account closure process and that IF my money could be returned, it would be returned in the form of a check to my mailing address on file. 
- I absolutely NEVER violated the terms of my account for the account to be closed in the first place. I do not care about keeping the account open ( after this horrific experience I never want to work with Citi Bank again ) but I am very concerned I am not going to receive the {$5000.00} that I had transferred into the Citi savings account.
Consumer complaint received 2019-02-21
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ditech Financial LLC (OH)

The company letterhead known as " ditech Home Loans '' has been sending letters trying to collect a debt that was and is not ours.They have been called and I have told them that we never had a loan or mortgage with them. They then say that they bought our mortgage from XXXX XXXX and again we told them that I never heard of that company nor had any financial doings with a company of that name. Our mortgage was settled with payment in full back in 2013 and was not with either of the complaining companies. I have been a victim of identity theft and this is being reported to my already damaged credit.The letteres that they are sending are coming on a monthly basis and when I call them I get nothing but excuses and more fake information, even being vulgar at most times.Please help me stop this harassment.
Consumer complaint received 2019-01-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Greetings CFPB Team, I am requesting your assistance in resolving a Transunion account reporting, record verification and resolution notification concern. 

On XX/XX/XXXX, Transunion received by certified mail a Dispute and Removal request regarding a collection account from XXXX XXXX, XXXX for {$4900.00}. A request for Validation by XXXX XXXX, XXXX ; was sent by certified mail. The company never responded to the XX/XX/XXXX validation letter. Approximately 30-days later Transunion responded stating the account verified and no changes were required. 

On XX/XX/XXXX, Transunion received by certified mail a Method of Verification request advising XXXX XXXX, XXXX had not been able to validate the alleged debt per the Fair Debt Collection Practices Act. Therefore, the agency and bureau by law can not report a non-validated account. It was then requested of Transunion per the FCRA regulations they had 15-days from receipt to provide their full Method of Verification. 

On XX/XX/XXXX, I spoke with a Transunion associate by the name of XXXX that stated they had an open dispute and could not release any information regarding my file. He then advised the dispute would be resolved by XX/XX/XXXX. The associate was educated that my certified letter was not a dispute but was a Method of Verification. Additionally, I cited that processing guidelines allowed 15-days from date of receipt to supply the documentation and information requested per the FCRA guidelines. 

The associate then advised, they did not have any documentation or information regarding what the collection agency supplied. He also stated they do not control what the collection agency/creditor sends to verify the account. 

As of today, XX/XX/XXXX, which is 8-days past the FCRA, stated guidelines and Transunion, has not provided a written response to the request. I have subscribed to the Transunion platform in order to monitor my credit file and as of today, the dispute Transunion opened has closed without a written notice. In addition, the XXXX XXXX, XXXX account continues to report despite their inability to validate the account as requested. 

At this time, I am requesting CFPB to hold Transunion accountable for the blatant disregard of fair and accurate reporting. They also have practiced gross negligence in opening a dispute in lieu of providing their original Method of Verification. 

Without the collection agency validating the reported information and Transunion not providing their Method of Verification, XXXX XXXX, XXXX must delete the alleged debt. I hope that this will resolve the issue to avoid utilizing the services of judicial system. 

Thank you very much for your assistance and understanding. 

Best Regards,
Consumer complaint received 2019-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: The Stark Collection Agency, Inc. (WI)

XXXX XXXX / XXXX XXXX sent information to Stark Agency that I owed them {$2900.00}. Stark Agency then put this amount as a delinquent/in collections amount on my credit report, having their lawyer XXXX XXXX send me a letter requesting this amount. After speaking with XXXX at Stark agency, he let me know they said I owed 5 months rent ( XXXX - XXXX of 2017 ) as well as a {$200.00} stay over fee for moving out late. None of this is true. I paid all months rent and notified XXXX XXXX of this. I think it is outrageous that a company can make such a claim without any proof and without notifying me of this, then another company can simply place it on my credit report! I would like this looked into because after reviewing this company on the internet, it seems they do this frequently to people with no regard for honesty, communication, integrity, or the law ( as it seems like flat out fraud )!
Consumer complaint received 2019-01-24
Product: Credit card or prepaid card — Store credit 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. (FL)

On XX/XX/XXXX at XXXX XXXX  I was approved for a XXXX XXXX credit card with a credit limit of XXXX I attempted to buy some shoes but they didn't have my size in stock so they told me that they can order it for me and then a purchase was made of XXXX plus XXXX in sales tax. I waited a long time and i still hadn't received my shoes, so i went to the store where i made the order and i told them to cancel it and i thought all was well at that point BUT several months later i started getting calls from a collection agency calling on XXXX   behalf saying that i had a pending balance of XXXX dollars or so and i explained to them that i cancel the order and they agreed that it was a mistake and they would fix it But after the new year past and it was XX/XX/XXXX now i would receive a call from them again saying that i owe XXXX dollars and i again told them the situation and they agreed to fix it again. I believed the problem had been resolved. But to my surprise as i stated to learn about checking my credit and i see that this mark still appears on my credit report and it has been damaging my credit substantially for almost two years and i contacted city bank but they refuse to be of any help i ask them to send me the info about my cancel purchase and they said they couldn't do it, they said they don't have the authority to do it and i ask them to get me someone who could and they were still of no help. So now i have to take matters into my own hands since they aren't being of any use
Consumer complaint received 2019-02-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (TX)

I contacted XXXX XXXX company to resolve a debt that was owed to XXXX XXXX. I was able to settle the amount, however was not able to get them to remove it from my credit report. I have recently paid off 5 other accounts with different collection agencies and all of them are stated that they are removing the items completely from credit report. This company stated that they will not and could not. They stated that they would not contact XXXX to see if they would be willing to remove. In addition to this when I asked to speak to a supervisor I was denied stating that the manager was busy and that I could continually call back in hopes of getting in contact of one. This practice seems to be unfair due to the fact that 5 out 6 are willing to remove and would like to get this removed as well.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Ive recently received a copy of my credit report, and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and my credit health.
Consumer complaint received 2024-10-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (SC)

On XX/XX/year>, I was informed that my husband would be sending me a check for {$49000.00} to be deposited into our account at Citi Bank. After speaking with the bank manager, it was discovered that the check was filled out incorrectly. A new check was promptly sent so that we could proceed with the deposit, as we needed the funds for the house we are looking to purchase. 

As I was logging in to check the status of the {$49000.00} check, I found that the check was pending. However, my account was closed voluntarily before the check could be processed. After I clarified with the bank that I was the one depositing that amount, they concluded that the check was invalid and suspected it to be fraudulent. 

While I was away on a business trip, I had {$130.00} in my XXXX Account and {$190.00} in my savings. XX/XX/year>, marks the 30-day period for them to send the remaining funds in my account. Unfortunately, I don't live near any branches, which I was repeatedly told. Now they are unable to send the funds because the account needs to be completely closed for 60 days. 

I was told that I could call back to request the faster and they didn't hold their promise. I really hope you all can help me. 

I have requested a copy of the check, but it has not been returned to me promptly.
Consumer complaint received 2019-01-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Credit Management sent the enclosed letter on XX/XX/XXXX when I got it, stating they have tried to contact me several times I request a copy of there mail receipt showing there documents sent to me.. a certified copy of a alleged contract with myself the furnisher and Midland on the original contract. Threatening me with a law suit after claiming they contacted me with no evidence. The enclosed letter was fax to them on XX/XX/XXXX only after I called them for the fax, First refusing to give it to me Because I said I was recording to as they were..Please not the letter sent to Midland Section 73 American Jurisprudence { Am Jur } 2nd Sect 93 Stats that a third party can NOT enter to or on a contract, Subrogation does not exist for a stranger not originally name on a contract where bought sold traded, given please provide all documents that I request in my letter faxed to you in deTail Every thing
Consumer complaint received 2019-01-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Woke up Monday XX/XX/XXXX to find my savings account had been reduced to nil. Two withdrawals of {$1300.00} and {$2300.00} were made at a banking center in XXXX, Fl. I live and operate in XXXX. I have never been to or know anybody from or heard of XXXX. I did not lose my card or give out any information. This should be impossible. Bank of America told me it can take 60+ business days to resolve. That is three months and is unacceptable. It is my emergency fund and prevents me from needing a credit card. I provided every detail BoA asked of me. This is so obviously fraud I can ' understand why they won't credit me the money back while they investigate what happened.
Consumer complaint received 2019-01-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Fidelity National Financial, Inc (VA)

We have sold our house. The Escrow company has been paid. They closed and recorded all appropriate documents per docs. sent to me and my spouse. Since closing on and settlement date of XX/XX/18, the Escrow company has been holding the amount of XXXX for a debt they can not prove. We have tried repeatedly to find out what this supposed debt is as we have never re moved a bill or statement of any debt to any debtor for this amount. Today, the response from escrow was to hang up on me. In returning the call, I was given to someone that told me " upper management will call you when she arrives at XXXX. PST.
Consumer complaint received 2019-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

On or about XX/XX/XXXX/16, a hold appeared on my bank account. I say on or about XX/XX/XXXX because the bank website keeps information only for 24 months, but I know that the hold was placed between XX/XX/XXXX16 and XX/XX/XXXX/16. The hold is for {>= $1,000,000}. I asked Chase Bank to take off the hold, but they stated it was a government hold and I would have to wait. I have waited three years almost and the hold is still there. The balance in the account per Chase is {$2100.00} but the available balance is {>= $1,000,000}. I don't know what to do to get this hold removed.
Consumer complaint received 2019-01-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

On approximately XX/XX/XXXX at XXXX XXXX  I received a phone call from someone telling me that they were from Portfolio Recovery and that this was an attempt to collect a debt that was from XXXX. And that I owed them approx {$1400.00} ( don't remember exactly they amount stated ). I then explained that the debt they were referring to was from approximately XXXX and that I had listed this debt when I contacted XXXX XXXX XXXX XXXX and paid for the required program prior to filing bankruptcy chpt XXXX and that before I could file I became XXXX and was forced into early retirement and live on Social Security. The collector didn't seem to care and actually just began talking and trying to insist that I set up some kind of repayment plan. I hung up and then wrote the company ( Parent company XXXX XXXX ) a Certified Letter ( See Attachment ). Today XX/XX/XXXX at approximately XXXX XXXX  I received another phone call this time from a XXXX XXXX, who once again repeated basically what I described above. But this time I went off on her and she hung up. I called their number and first spoke to a XXXX and then I asked him to put a supervisor on the phone. XXXX XXXX got on the phone and he started asking me question, I interrupted him and expressed that I had sent a Certified Letter etc to his corporate office and attention XXXX XXXX the Compliance Officer. And he said he would notate the file and contact corporate to confirm what I had said. I hung up and decided to file a complaint.
Consumer complaint received 2019-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MN)

on XX/XX/XXXX I submitted a loan payment to XXXX XXXX using the XXXX  XXXX education award for my loan payment of {$260.00} due on XX/XX/XXXX. There are 10 business days between the XXXX and XX/XX/XXXX and I called on 1/18 and was informed it still was not even processed. My request wasn't approved until XX/XX/XXXX on XX/XX/XXXX my payment has still not been received. After calling XXXX I find out that there isn't even a payment date scheduled yet for this payment. As a result it is very likely I will either have to take a financial hit and pay it myself in order to make it count for PSLF or lose a potential payment due to timing issues outside of my control. In addition between the fact it takes over 15 calendar days along with an additional up to 30 days to mail the check it seems IMPOSSIBLE to use XXXX awards to pay for student loan payments which is what their purpose is supposed to be for.
Consumer complaint received 2019-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I tried to get a new and I was denied. I ask to speak with the finance manager and he  went over my report with me. Its several things on there that are not mine. Please remove from my credit so I can get a car to get to and from work. Here is the accounts : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 

I dont know if you can help with my these address I know nothing about. 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX  XXXX  3.XXXX XXXX XXXX 4. XXXX XXXX XXXX 5.XXXX XXXX XXXX.