davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CT)

This is regarding my mortgage servicer DiTech Financial LLC which was formerly Greentree. A month ago I got an escrow notice from DiTech that said I owed them {$2100.00} additionally for escrow. The prior year I had given them an additional XXXX to cover escrow shortages - which made sense as my insurance and taxes went up. This year my homeowners insurance did not go up and my taxes also stayed close to last years amount, therefore if they were able to pay my bills last year with the monies taken out of escrow why then do I need to pay them an additional {$2100.00}. As a result, I called and took on the personal liability of my homeowners policy - a {$1200.00} amount no longer needed to be pulled from escrow. I got a revised statement saying that I now owed them {$1900.00} for additional escrow monies. My problem is that this does not make sense, my escrow amounts did not go up significantly and I took {$1200.00} out of escrow payments. The mortgage servicer knows what my homeowners and taxes are - they are close to the same every year - so how can have made such a big mistake in collecting the required escrow monies with the resultant shortfall of {$1900.00}. Now not only do I have to pay {$1200.00} to my insurance but I am pretty much still paying close to their original amount. This makes no fiscal sense. I tried to get them to see this and ask how this is possible but get no satisfactory answer. From a servicing standpoint it is their job to know the amount that would be required for escrow. As a consumer to be all of a sudden asked for an additional {$1900.00} out of my budget is shocking and unfair as I have been paying all along. There should have been little to no change.
Consumer complaint received 2015-10-26
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Hollis Cobb Associates (FL)

This account is not owned by me ; I have never had any services from this care provider and therefore owe no balance as stated in my credit files. Please provide me with relevant information that you are using to validate this account such as ID used to open this account ; when and where this account was opened ; signatures etc.,
Consumer complaint received 2023-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (PA)

I deposited a cashiers check on the XXXX of XX/XX/2023 into my business checking account. On the XXXX of XX/XX/2023 I checked my online account and the transaction still said pending so I contacted the bank and was told the check had a 6 day hold on it. I was told their policy is 1 to 6 days. I asked what was the criteria for whether it was 1 day up to 6 and was not provided a reasonable explanation. I asked to speak to a supervisor and was told one was not available at that time of the night but I could call back the next day. I called on the XXXX of XX/XX/2023, spoke with a supervisor and was told the same thing and that the funds are scheduled to be released on the XXXX of XX/XX/2023, which is more than 6 days from the day I deposited the check. I went to a branch and spoke with someone and was told that the issuing bank put the hold on the check not them and there was nothing they could do. I left, called the issuing bank which is XXXX XXXX XXXX XXXX and was told a cashiers check is guaranteed funds and that they did not put a hold on it. I called again on the XXXX th and the XXXX. On the XXXX of XXXX the supervisor tried to call the hold department but could not get through so she sent an email to try and get further answers. The check is for {$20000.00}. I've deposited cashiers checks into this account several times before, {$23000.00}, {$18000.00} with no problem, 1 to 2 days cleared. There is no problem with my account. I'm told there is a 6 day hold on this check but the funds won't be released until the XXXX which is 13 days after I deposited the check. I can not pay my employees or my contractors and my business is being held up and no one at the bank can provide a reasonable explanation as to why this check is on hold.
Consumer complaint received 2016-07-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MD)

I opened a New CitiGold Checking Account online http : //www.offer.citibank.com/ with a promotional code XXXX for a bonus offer. The bonuses offered XXXX AAdvantage bonus miles in exchange for opening a CitiGold account and set up a bill payment for at least 2 consecutive months, and make at least {$1000.00} in debit card purchases. 
I called Citigold right after I applied the account on XXXX/XXXX/2016 to ensure that I am eligible for receiving the XXXX AAdvantage bonus miles, I confirmed with a representative from Citi that the promotion was linked to my account and completion of the requirements would make me eligible for the promotion. I met the requirements XXXX/XXXX/2016. I was asked to provide my XXXX XXXX account number to Citi so they would be able to credit the miles. 
When the miles had not posted a few days after the XXXX, 2016 statement, on XXXX/XXXX/2016, I called Citi to follow up on receiving my miles, The Citigold representative confirmed that I had indeed completed all requirements associated with the aforementioned promotion code, and that, per the terms and conditions of the offer, I would receive the miles 90 days from the end of the statement cycle in which the requirements were completed. 
However I was then informed by Citi on XXXX/XXXX/2016 that I was not eligible for the promotion since " There was not a promotion offered in conjunction with the opening of your account '' ( see attachment ). 
As stated above, I met Citi 's requirements and was eligible for the promotion as I was adhering to their terms and conditions for the promotion. I do not appreciate their continued willful denial of these terms, and their refusal to award me the points I have earned, all while I still keep an outstanding balance in Citigold account per their request to avoid the monthly fee. 
This letter contradicts all discussions I had with Citi at the time I opened the account and at activation. I would not have opened the bank account with Citibank if it was not for this promotion. I am requesting Citi to honor the set promotion. If I was indeed not targeted for the promotion, Citi should have rejected my application for opening the new account using the promo code. And not do it when I have opened the account, met all the necessary requirements and when it comes time to pay out the bonus. It has been weeks of dealing with this and I am very disappointed that Citi would mislead and treat their customers in this manner. 
I am a consumer who has been a good customer of theirs and has never missed payment on any of my services with them. Their denial of this promotion to me, despite their own employees confirming I was eligible prior, feels like a bait and switch tactic. I am turning to the CFPB as I feel I have no other resources. Thank you.
Consumer complaint received 2024-08-13
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (NV)

I am filing this complaint because National Credit Systems is reporting a collection account on my credit report, which is the result of identity theft. This collection is related to a rental apartment at XXXX XXXX XXXX XXXX XXXX, a property I never rented or lived in. The charges associated with this account are fraudulent. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I have provided National Credit Systems with an Identity Theft Affidavit and can provide more supporting documentation proving that this account is fraudulent. Despite fulfilling my obligations under the FCRA to report this identity theft, National Credit Systems continues to validate and report the fraudulent collection account as a valid debt, causing significant damage to my credit score and financial standing. I have requested that National Credit Systems provide documentation or an explanation regarding how they have validated this debt in light of the identity theft evidence I have provided. To date, they have not complied with these requests. I am seeking the immediate removal of this collection account from my credit report in accordance with FCRA provisions and request that National Credit Systems provide all documents they have used to validate this debt.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (GA)

I have had my federal student loans in a forebearance status due to financial difficulties. I have explained this to Navient on multiple occasions and asked that my private student loans be offered a forbearance or similar waiver to coincide with my federal loans. I was not offered any assistance or alternatives, but instead told I had to repay my loans despite the hardships I was experiencing. Due to me not being able to pay, my private student loan went into collections, which has made it difficult for me to obtain credit. I am currently in good standing with my federal loans with an approved forbearance status.
Consumer complaint received 2015-10-30
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I applied over the phone for a mortgage with Bank of America on XXXX/XXXX/2015. I gave them permission to pull out my credit for that day. While I was checking my credit file, I discovered they made another hard inquiry again on XXXX/XXXX/2015 without my permission. I emailed the loan officer and I never get any response. I contacted the credit bureau, they said they can not remove it. They advice me to file an identity theft complaint with you and mail to result to them to remove that inquiry from my file.
Consumer complaint received 2015-05-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I am a Bank of America customer. Approximately 5 years ago I requested for a home retention assistance from Bank of America. I was told several times that the amount owed would be placed on the back end of the loan. I started receiving notices that my loan was in the arrears and that it needed to be brought forward. The amount was never placed in the arrears and I can not get in front of the loan. I requested again for a home retention modification. This process was delayed repeatedly by Bank of America. Documents were requested by BOA and resent several times. My account was transferred to several account reps each time being asked for documents that were already sent. Loan took over 7 months to process. I was again informed that my arrears would be placed on the back end of the loan. I never received notice except for a phone call from XXXX XXXX that my loan modification was approved. I began making payments but then received notices that my loan was again significantly in the arrears. I started setting in bi-monthly payments at an amount that was more than what the new loan amount was for but was told this was not acceptable because I was placed in a " TRIAL '' program. When I inquired about this program I was told that I was only permitted to pay the exact amount that was due and not more, not less. My new account representative, XXXX XXXX, advised me that I was no longer in the trial program and that my loan was reverting back to the original amount owed because I was not complying with the " TRIAL '' program. I did not receive information on this trial program and was never informed of the terms of the program. 
The BOA refusal to place my outstanding owed amount in the back end of the loan has made it impossible for me to bring my loan current and has destroyed my credit scores. The reasons for requesting for a loan modification was to save my credit ratings but BOA has outright destroyed any and all hopes of rebuilding. I have been making payments that are larger than the amount due in an effort to bring the loan current but this can not happen. My payments are made ever two weeks yet BOA does not acknowledge the payments until the next payment is made. They collect the interest on this loan and also collect interest on the payment. 
I have called numerous times to no avail. I am making my payments and they continue to report negative entries on my credit scores.
Consumer complaint received 2015-10-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (OH)

I sent all XXXX Bureaus a copy of my XXXX XXXX with instruction to pull all credit off my bureau ... My XXXX XXXX stated that I had NO debtors ... .The Bureaus acted like they did n't know what I was referring to, and still did nothing. I also sent your CEO the same inforamtion that I sent the Bureaus ... Certified mail!
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (WI)

I have been on a debt mgt program since XXXX-16 yet some of the credit card companies have been reporting me late. The XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and XXXX/XXXX.
Consumer complaint received 2015-04-07
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

Have tried to retrieve a final insurance inspection report from HSBC insurance area and they refuse to give me a copy or forward a copy to the insurer. To prove to the insurance company that the first claim was completed 100 % - I ca n't get the new claim processed. It seems like it relates to my property and I should have access to this document. Please help -
Consumer complaint received 2015-11-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

I have tried to pay my car note online at XXXX XXXX for over two weeks. Before they switched their systems. I had my reoccurring payment set up with my bank account for 2 and a half years with no problems. Now, my payment has been rejected two times f5rom the online process through my bank account and would not be accepted via EXXXX Debit Card or XXXX XXXX through their XXXX XXXX. I called XXXX twice and my bank twice. My bank, XXXX, says they are not rejecting any payments from XXXX ( as XXXX emailed me and said my financial institution was rejecting the payment, three times XXXX. I called XXXX twice, the first time they said that it was my banks fault and to try again, which I did. Today, XXXX I called after I received another email saying the payment I tried to give on XXXX ( third time trying ) was rejected and I had incurred a late fee. I spoke to someone in their Customer Service department, but I could not really understand her. She said my bank account information was incorrect ( which it was not ). She said she would waive my late fee and connected me to their payment system XXXX XXXX. XXXX XXXX could not accept my XXXX Debit Card, XXXX Credit Card, XXXX. I checked online and the late fee has not been waived. I am highly frustrated and super inconvenienced since I had all the information in my account previously, and now it is not working. This could affect my credit score, and I have not received any help from XXXX in regards to paying them.
Consumer complaint received 2016-06-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (IL)

I opened checking account using promo code that I got in the mail. I opened checking account with citi and completed all the requirements from the promo to receive the XXXX thank you points. Please see included screenshots for the conversation and confirmation from Citi. Citibank does n't want to honor the bonus saying that I was n't targeted.
Consumer complaint received 2017-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (GA)

Experian is reporting the wrong address on my credit report. I spoke with Experian 's rep on XX/XX/2017 and they indicated that I would need to send them a Utility Bill, Social Security Card, and a Drivers License in order for them to update my address. However, I do not provide that kind of information to public corporations such as theirs. I also explained this to them when I uploaded my dispute documents with the correct address on there.
Consumer complaint received 2015-10-10
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (MI)

I received a letter in the mail from CitiBank stating that they never received a payment. Despite having and sending proof of the payment, two missing payment investigations have been started and closed, both stating the payment " could not be located ''. This will now put a flag on my credit reports that I recently just reviewed and fixed, as well as XXXX me out of {$100.00}. This is not the first issue I 've had with making payments to this bank via check that they somehow also lost
Consumer complaint received 2015-06-11
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CITIBANK, N.A. (CT)

XXXX , XXXX XXXX XXXX , XXXX XXXX of XXXX XXXX have been making multiple attempts to contact me on behalf of Citibank for a credit card debt that is past the six year statute of limitations in XXXX and XXXX. They have sent letters on XXXX XXXX, XXXX XXXX, XXXX XXXX, in an attempt to collect the debt and have also sent an " appearance '' notice for the State of XXXX Superior Court. They are attempting to re-age a debt that is over seven years old, and Citibank had already sued me in 2008 in the XXXX ( XXXX ) Superior Court.
Consumer complaint received 2015-12-11
Product: Bank account or service — Savings account
Issue: Making/receiving payments, sending money — 
Company: SCOTTRADE BANK (CA)

To whom this may concern, Scottrade Financial Services, Scottrade Bank, and Scottrade Brokerage were a victim of an enormous hack during XX/XX/XXXX and XX/XX/XXXX. Scottrade Bank, Scottrade Brokerage, and Scottrade Financial Services were warned about these cybersecurity issues at a technical and cultural level yet no action was taken. 

I would like Scottrade Financial Services, Scottrade Bank, and Scottrade Brokerage to provide me with instructions on how to file a dispute with their companies. Specifically, Scottrade Bank and Scottrade Brokerage have failed to provide clarification on the currently conflicting and alleged dispute policies and Scottrade Financial Services has no dispute policy what so ever. 

If Scottrade has any concern for the fraud that occurred and the continued danger they are putting their customers in, I respectfully request that Scottrade step up their game and putting customer care as a higher priority.
Consumer complaint received 2015-10-29
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (FL)

i was affected by the XXXX/XXXX/15 outage that rush card had occur on their watch. i did not get my direct deposit until XXXX15. just about 2 days late. here i am on XX/XX/2015 it is XXXX as i write this, waiting for my direct deposit. i was told by the operator that i will be notified by telephone when the deposit reaches my account. that is little help when there are bills to pay and money to be spent to get to work. this is my second pay period dealing with yet another delay on my money and all i am being told is the system is back up and running etc etc etc. i even asked them to check to see if my deposit is on hold waiting to be put into my account and they can not even check that because their systems are not working properly. i have already taken the steps to not deal with rush card anymore with my direct deposit from my job. please can i get some help with this. this has been a very bad inconvenience for me through XXXX pay periods. someone should be held responsible!
Consumer complaint received 2016-06-07
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (NC)

Attention : Customer Service for PennyMac Loans Subject : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX This is a " qualified written request '' under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ). 

I am writing because you have not applied my mortgage payment properly since XXXX XXXX. I made all payments timely ; however, my loan was reported adversely in XXXX XXXX. Second, my loan payment has increased over {$150.00} dollars without any explanation. As such, I am requesting a full accounting of my loan payment as I feel like Penny Mac is engaging in predatory practices while servicing my loan account. On XXXX XXXX, XXXX, I contacted your loan department and no account explain why my loan payment increased. A supervisor in XXXX lied to me and stated he would follow back up with me regarding my account. He never did and now I am being forced to make a payment I ca n't afford. Taxes and insurance are included in my loan payment and Penny Mac is not properly paying and/or accessing the proper taxes.I am requesting a full accounting of my loan account, all loan documentation to explain credit reporting and escrow payment increases. 
I understand that under Section 6 of RESPA you are required to acknowledge my request within XXXX business days and must try to resolve the issue within 30 business days. 

Sincerely, XXXX XXXX, XXXX
Consumer complaint received 2016-12-18
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems (TX)

I was just made aware that my XXXX/good credit score took a dramatic drop because XXXX XXXX XXXX incorrectly reported that I owe a payday loan of {$840.00} to all XXXX agencies. I have NEVER taken a payday loan with MRS or the companies they represent and have never taken out a loan in the 12 years I 've been here. I 've disputed this with all XXXX agencies, filed a XXXX compliant and am now doing this with you. After researching Midwest Recovery Systems, hundreds of other people have complained about the exact same thing. This was illegally and mistakenly added to my report and I want it removed on all XXXX reporting agencies.
Consumer complaint received 2023-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NV)

This company has attempted to call me during work hours to attempt a debt in which they obtained illegally. It is against the law to buy a person 's information and I also do not have a written contract with them. When I ask them to remove this report from the bureaus, they said " they can not do anything unless I verify my personal information with them first '' This has turned predatorial and also releases me from the original contract. I did not reenter any written contract nor sign any paper work with this company. They are asking to pay them over XXXX which wasn't even the balance of the original contract either. Further I did not give any permission for this company to report anything to any credit bureau. They have did this without my acknowledgement. They have not been able to verify anything of this said account.