davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (OH)

This complaint is targeted to a program advocated by CitiBank. 
Per my friend 's recommendation, I applied for a Citigold checking account owned by CitiBank following the link on the internet in XX/XX/XXXX. The promotion advertisement listed the following conditions : 1 ) Open an account with CitiBank. Deposit money. 
2 ) Make payment for ( 2 ) consecutive months 3 ) Make a purchase worth {$1000.00} As a result, we will be awarded XXXX XXXX points. Meanwhile, Citi will charge my account {$30.00} per month for three months if the deposit is less than certain amount ( Maybe {$50000.00} ). 
The application was accomplished in no time with a promo code. Money was deposited. Payments and purchase were made. XX/XX/XXXX, my husband called Citi to inquire about the status of XXXX points and was informed that we had met all the requirements and the claim had been setup while the process would take up to three months to complete. XX/XX/XXXX is the date we should call back for the final result. 
On XX/XX/XXXX, my husband called to follow up. After spending more than half an hour waiting and explaining, he ended up with a lady who said she needed to confirm some information with someone and would call him back in one hour. We waited and waited and waited ... 
After more than two hundred and forty hours of waiting, we knew nobody would call us back and realized it was a scam from first place. On XX/XX/2016, I logged on to my online account, ready to request to close my account, only to find out that Citi started to charge {$30.00} since XX/XX/2016. Shocked, I had an on-line chat with a Citi representative, who helped to start an investigation which was supposed to complete in several business days. Hearing no further result after five days, I chatted again with another Citi representative to accelerate the process. This time, a document was received to promise a result in 24 to 48 hours. 
After two days with nothing coming, I chatted for the last time with a Citi representative. Not to my surprise, I was given an excuse that the promo was offered to targeted customers while I was n't. If that is true, why did citi post an advertisement on internet and gave me a promo code? Nothing had been fulfilled except charging me {$90.00}? 
The conversation ended unpleasantly. I ordered them to close my account instantly, meanwhile, warned to file a complaint to CFPB. 
My request to solve the issue is either citi should award me {$50000.00} AA points or refund me {$90.00} and apologize for wasting my time.
Consumer complaint received 2016-09-26
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Fidelity National Financial, Inc (TX)

This complaint is submitted to force an inquiry into both Fidelity National Title and XXXX surrounding the events leading up to the refinaincing of my home located at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. 

Short backstory : Initially I had erroneously thought that the continuing problems and erosion of my credit standing was due to the negligence of XXXX against whom I had lodged a complaint with the CFPB and the Texas Department of Savings and Mortgage Lending. After my complaint was received by the aforementioned agencies it was found that XXXX Committed no error in its reporting against my credit, nor in its handling of the payoff received from XXXX. 

After more months of waiting/searching for answers seeking legal consultation, I reached out to XXXX during the week of XXXX XXXX, XXXX and spoke with them. They relayed what I had heard before which is that Fidelity Title failed to request a new payoff statement prior to closing on my home in XXXX of XXXX. Had Fidelity National Title requested a new payoff, they would have found that taxes were paid between the time of the payoff statement and my closing in late XXXX XXXX XXXX. The bottom line is this : Had Fidelity National Title done its due diligence and requested a new payoff statement, they would have seen taxes paid and my refinance could have been pushed back a few days to make adjustment on the final closing figures. Instead, no one at Fidelity National Title of XXXX thought to go back and ensure the payoff statement was still good and the result is the credit of me and my wife being ruined and XXXX Mortgage wanting full payment of anywhere from {$4200.00} - {$7600.00} depending upon what document I look at. Either way, this could have been avoided and I am asking for an investigation into this matter to bring to light who dropped the ball and why. Moreover, we sold the house in question in XXXX XXXX and Fidelity National Title is pushing the matter off on to the buyer 's title company ( they had nothing to do with this matter ). There are no, nor have there ever been any liens against the property and consequently, the other title company being pulled into this mess has no play in this matter. 

This matter has so devastated my credit and my standing with the VA ad a XXXX veteran that I can not obtain a mortgage that will put my family in a better financial position. 

The entities in question are : XXXX XXXX, Fidelity National Title, XXXX FM XXXX, XXXX XXXX, XXXX XXXX, TX XXXX ( XXXX ) XXXX and XXXX ( he is a manager ), XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, AR XXXX ( XXXX ) XXXX ; have only successfully reached this guy once ( perhaps twice ), but he knows a bad payoff statement was used and has n't returned any of my calls since.
Consumer complaint received 2016-09-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

We now have been working with Ocwen ( that 's a stretch ) for over 4 months on the mortgage. They confirm they have received all documents except a document explaining why a teacher is paid 11 months out of the year rather than 12. This explanation has been sent twice, escalated to the escalations specialist XXXX at Ext XXXX who by voicemail confirmed all documents received. Now we received a call and confirmed that they are stating they have not received the documents and the original documents are expired. They 're happy to assist with re submitting the documents ... This comes from the relationships desk. We have had several appointments with the relationships representative in which they have not kept the appointment. The note read back from the representative is that we did not keep an appointment yesterday so they left a message. no appointment was scheduled. I 'm now in the process off escalating by sending copies of what we have sent in to the following. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX District Office XXXX XXXX XXXX XXXX, XXXX . XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX, President and CEO XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, General Counsel XXXX XXXX, President Ocwen Services XXXX XXXX XXXX XXXX, FL XXXX Ocwen Board of Directors Corporate Secretary Ocwen Financial Corp XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2016-06-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (NY)

I purchased a cell phone from XXXX XXXX In 2015. I believe the # was XXXX. At the time of the purchase the sales rep offered to switch the apps from my current phone to the new phone for me. I never even took the phone out of the box. Three days later I returned the unused phone. I was charged a bunch of fees for returning it but thought the transaction was finished. Approximately XXXX months later I received a bill for approximately {$88.00} I called and spoke to a supervisor after I told her it was the sales person who put the apps into the phone and I never actually used the phone I was told this charge was cancelled. This happened three separate times with XXXX different supervisors assuring me this was no longer owed. Now I have Diversified Consultants calling to collect this debt that I do n't owe. I 've tried to contact XXXX XXXX again and they said because it 's been turned over to a collection agency it 's out of their hands. I 'm registered on the do not call list and I 'm ready to call the news media. This just is n't right. Can you please advise? 
Thank you for any help you can offer. 
Regards, XXXX XXXX
Consumer complaint received 2016-09-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ERC (FL)

ERC is a debt collector for XXXX. I sent them several letter via certified mail with return receipt requesting debt validation and a hearing. I also called them several time. When I call they deny receiving any mail from me even though I give them the number of the certified mail. I also informed them that I am in bankruptcy to stop all collection. They stated that they do n't have to stop collection because the government is the guarantor. I sent them my suggestion of bankruptcy with the case number via certified mail. Each time I call they deny receiving it. When I give them the case number to make a note in the record, they do n't. So the next time I call they claim again having no record of my dispute letter or any information on my bankruptcy. They are refusing to stop the administrative wage garnishment. I 've attached documents to support my complaint.
Consumer complaint received 2016-05-08
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

My credit score randomly dropped XXXX points after a dispute was resolved in MY favor for a credit account of mine. I called XXXX to inquire about why my score had dropped so drastically, only to be transferred at least 5 times and have each representative give me their " bogus '' version of what may have happened. FINALLY the last representative informed me that my credit card account ( whose dispute was just resolved ) was now showing up as a REAL ESTATE account instead of a CREDIT/CHARGE account. When I asked if the error could be fixed since was in the underwriting stage of getting a home, they refused and told me to take it up with the creditor. I am extremely upset and still filed the dispute with both XXXX and the creditor. I did not have this issue on any other credit report and now I am out of my dream house because of this inaccurate info that I STILL have n't heard anything back about. Simple and obvious errors SHOULD NOT take 60-90 days to correct and I am EXTREMELY dissatisfied with the customer service that was provided as the majority of the individuals that I spoke with on the phone lacked both knowledge about the reporting process itself as well as the ability to understand their customer 's concerns.
Consumer complaint received 2016-06-11
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: DFC Global Corp. (CA)

I applied for a PayDay Loan on XXXX XXXX at the Money Mart store XXXX. My check was presented to and paid by XXXX XXXX Bank on XXXX XXXX, 2016. I went to the store to reapply for the loan and was told I could not do o because the loan was delinquent and to come back the next day. I thought this unusual as in the past producing a bank statement showing the paid check was sufficient. Today, XXXX XXXX, I went to a different store, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and was given a letter from Monetary XXXX of California Inc dba Money Mart stating there was a current outstanding loan and only XXXX loan was permitted at a time. This company has had my money ( XXXX ) since XXXX XXXX, and insist I am delinquent.
Consumer complaint received 2016-09-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (FL)

In XXXX of 2016 we were solicited for a Mortgage Loan Modification by Seterus, the servicer of our XXXX Mortgage. The deadline to make the first Trial Plan period Payment was XXXX XXXX, 2016 and we made the payment in XXXX. As explained in a prior complaint to your office by us against Seterus , Inc. ( Case # XXXX ) we made all of the required Trial Plan Payments and have been trying, unsuccessfully, since XXXX, 2016 to finalize the Modification. 
Recently, after receiving solicitations from Foreclosure Lawyers, we became aware that XXXX filed a Mortgage Foreclosure Action against us on XXXX XXXX, 2016 ( XXXX XXXX Court Case # XXXX ), after they offered us the Modification and before the first payment was due. This Dual Tracking by XXXX and Seterus was in bad faith and a VIOLATION OF THE CFPD REGULATIONS PROHIBITING DUAL TRACKING IN LOSS MITIGATION AND LOAN MODIFICATION PROCEDURES. In addition, Seterus continued to accept our payments in XXXX, XXXX, XXXX, XXXX, and XXXX and NEVER notified us that a forclosure action had been filed. 
We have been victimized by Seterus over and Over again! 
All this time we have been negotiating with them we had no idea that they had already filed a suit against us.
Consumer complaint received 2016-09-25
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America Appeals Department GRANTED Making Homes Affordable ( MHA ) Home Affordable Modification Program ( HAMP ) and directed the Bank of America Underwriting Department to forward borrower to MHA HAMP Trial Payment Plan ( TPP ) on XXXX XXXX, XXXX on a escalated case requested by me, but never ordered me, the borrower, a MHA HAMP TPP on or after a MHA HAMP was approved based on my XXXX XXXX Request for mortgage Assistance ( RMA ) complete package was received and an initial evaluation was conducted in XXXX XXXX resulting in a MHA HAMP denial on XXXX XXXX, XXXX that was timely appealed in XXXX XXXX for which a written determination was never issued by the Bank of America Appeals Department to the borrower. However, the Bank of America Underwriting Department issued several written correspondence to me, the borrower, stating MHA HAMP was denied on appeal after the Bank of America Appeals Department granted MHA HAMP. Bank of America and their representatives have made knowingly false statements by representing to me material facts related to my home loan mortgage account during the modification and loss mitigation processes and are guilty of the following in violation of RESPA enforced by Regulation X, MHA HAMP Guidelines, California Civil Code 2920 through 2944.10, California Code of Civil Procedure 2015.5, and their duty owed to me as a disstressed borrower who was proactive at a time when it was clear I would not be able to continue to pay the then monthly installment amount per the XXXX Deed of Trust : Poor and Deceptive Practices ; Modification Fraud ; Mortgage Fraud ; Foreclosure Fraud ; Intentional Infliction of Emotional Disstress, and ; Negligent Emotional Disstress. 
Also, as a matter of law, regulations, and guidelines I am still considered pending in the modification and loss mitigation processes and no negative credit reporting is to occur. Specifically, the bank, the servicer, and their representatives are not to assess late fees or report a late or missed payment while workout assistance is pending and are to make any required fee adjustments and credit reporting corrections upon completion of the modification and loss mitigation processes. This has not been the case in this instance and not because Bank of America believe that I am currently pending in the modification and loss mitigation processes.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MI)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2016-06-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: United Student Loan Assistance Center (KS)

I was contacted after initially requesting information from the United Student Loan Assistance Center. Somehow, and I know it was stupid of me, but they got A LOT of PERSONAL INFORMATION from me ; including my social security number, debit card, etc. I have since filed a fraud report with the credit bureaus as well as cancelled my debit card and even filed a complaint with the Dept. of Education. I am now terrified after doing my research that I made a terrible mistake. 
This company wanted me to make payments, told me I was basically being irrational for being concerned and I felt pressured into giving that information out because " student loans are expensive. '' I had emailed the lady back and told her I was not ready to make that commitment. I then received calls from her manager and " the owner '' - if that was him. 
Before today 's experience I know that I had been contacted by this company before and I told them to quit calling and they refused ; apparently. That 's why I am in this predicament.
Consumer complaint received 2016-06-10
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL (IN)

I disputed an account with SYNCB/HH Gregg with the XXXX major credit bureaus and directly with SYNCB/HH Gregg. The credit bureaus and SYNCB/HH XXXX both verified the accounts as being accurate and responded to my dispute in a timely fashion. But what they failed to do per the Fair Credit Reporting Act, was to update my account as being disputed within 5 days of receiving the dispute which according to the Federal Trade Commission is their responsibility and when not done, is a violation of the FCRA.
Consumer complaint received 2016-05-08
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

My name is XXXX XXXX I am a XXXX veteran. I have filed several complaints regarding Bank of America and I am filing another one I have been working with Bank of America for several years now. 
Now we are at the short sale of XXXX XXXX XXXX, MI XXXXAll the things I feared about working with a big banking company was just true. Initially I got a lawyer to handle this for me. He got indicted on felony charges and dealing with Bank of America has been XXXX ever since. My hair has fallen out, it has been aggravating my XXXX and putting them on over load. 
Anyway. I have honestly tried my best to rectify my issues. I have complied, complied, complied, and still I get to these stop lights that turn red and never turn green again until I call you guys to get on their butts. 
This time, we are all the way to the end of the Short sale process. Now I do n't have a Short sale represented. I have a realtor and a buyer for the house. The appraisal is complete. Now the realtor ca n't find out what 's going on with the short sale. It appears the selling of the short sale came to a complete halt. Contact person has disappeared. No one knows who is handling my short sale. It 's just crazy. I am to be closing on the deal any day and I do n't know where it is who is in charge of my closing. I was instructed that would short sale representative to guild us through the process. Initially we had one. But she would n't close the deal because she accused us of having XXXX mortgages on the house and I did not. I had to write you guys to get that misunderstanding rectified.. I nor my realtor has yet to receive any correspondence. Is hurtful. Please get me assigned to someone to finish this process. Hopefully they have nt thrown it into the wrong pile and put it foreclosure or something. They are full of surprises. I thank God I have you to help me through this absolutely this horrific process.. I saw with my own eyes, how my friends tried to work with them and they still lost their houses. They are clever and ruthless. I am just hanging own by a thread because of you. Hopefully I am not too late with writing this letter. Thank you.
Consumer complaint received 2016-09-28
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: NATIONSTAR MORTGAGE LLC (NJ)

Debt Collectors XXXX XXXX New Jersey XXXX County, XXXX XXXX XXXX, Nationstar Mortgage LLC have engaged in illegal debt collection actions which includes Tax Evasion, Identity Theft, Criminal Acts against the consumer.
Consumer complaint received 2016-06-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed this numerous times with Transunion and every time they " update '' my dispute by vaguely adjusting a filed in the tradeline. It is ridiculous on how they break the law on disputes. Well a XXXX XXXX XXXX account was finally removed a a few months ago and then they added it back to my file last month. Never received any letter stating they would add it back. I am in a mortgage review and this is crucial and I am in a sense of urgency. I have submitted a ton of letters and reports and they never directly handle my request concerns. This needs to stop because it is dramatically affecting my credit score. I have attached my last dispute letter and faxed over all credit reports including the one from them showing the tradeline gone.
Consumer complaint received 2016-09-27
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Fenton & McGarvey Law Firm, P.S.C. (IN)

I was served to appear to respond to a credit card debt owed. 
I never received a failure to appear from the court in a amount that was incorrect. I was informed by a Law firm that a judgement was rendered in the incorrect amount and I authorized them to with draw from my checking account a amount that I could only handle for seven months. The law firm would not accept a lesser monthly amount. The original loan was {$1900.00}. I paid to XXXX XXXX {$700.00}. 
XXXX sued me for the arbitrary amount of {$3200.00}. I paid the Law firm {$700.00}, which brings my amount to {$2200.00}. Despite paying {$1400.00} on a original loan of {$1900.00}. This is my second complaint concerning this practice of playing loose and fast with the process. 
Last week I called XXXX XXXX XXXX XXXX. They had no knowledge of any of my dollar amounts and told me to call, Fenton & McGarvey Law Firm, P.S.C. Each of those collectors told me too call the other collector. No one would offer any advice other than wait for my bank to contact me.