davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

Yes, my name is   XXXX   XXXX  . I have written before about this issue with  USAA Federal Savings  Bank Mortgage  Services, Homeowners Insurance Services- in   particular   XXXX   XXXX   XXXX   XXXX    out of   XXXX  Alabama and   XXXX    , w hom  USAA uses to  service their mortgages. I am currently trying to sell my home as a direct result of very exceedingly shoddy service by all the above listed corporations. To the point. Yesterday I spoke with  XXXX   XXXX  of  USAA, who USAA assigned  to investigate these matters.   XXXX   XXXX   was unable to find any voice recordings of myself nor my realtor of   XXXX   XXXX   XXXX  , in  XXXX   Alabama- f or the last  30-days. This is odd as USAA reco rds every call!  Second,    XXXX   XXXX   claimed  USAA does no t provide any informal property appraisal 's. As I explained to   XXXX   XXXX  , why was this simply not originally told to my realator, instead of her being transferred  3-times, and  myself whne I was transferred everywhere but right department at  XXXX  - t his says nothing of  USAA agent I spo ke with simply not telling me this to begin with.   XXXX   XXXX   was also supposed to call my realator and explain this when we humg up and she did not.   XXXX   XXXX   also asked if, I wanted  USAA to re investig ate   XXXX   XXXX   XXXX   XXXX   out of  XXXX  Alabama, and I told her i f USAA was n ot smart enough to figure out on there own they needed to so then I was not going to tell them to do so! Furthermore, I have had issues, as I have told you before with the Probate Judge of  XXXX   County-     XXXX   XXXX   ,  who has ties to   XXXX   XXXX   XXXX   XXXX    out  of  XXXX  Alabama  . I al so told you I have had issue with City of  XXXX , and my  Property Owners Association-    XXXX   XXXX   XXXX   XXXX  . Additionally, I told you,  XXXX  numerous books these entities have various means of lowering residents property value. Therefore I am submitting attached file demonstrating this, as evidence. Sadly, I have been put though ringer by just about everybody since I bought this house last XX/XX/XXXX  - ergo why I  am selling, in large part.  XXXX , renowned authority severa l thousand people  a yer commit  XXXX  due to Homeowners Association/POA  XXXX . I will simply not be  one o f those unfortunate individuals. Any assistance you can provide in this matter would be appreciated.  <P/>  PS : As  I have told you repeatedly,  USAA is run by r etired senior military officers and there are well over  50,000 vete rans in my area- so odds that is some link here are in fact pretty great. But that is for others, such as your organization, to figure out not me.
Consumer complaint received 2019-05-14
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: EQUIFAX, INC. (GA)

We as victims of Identity Theft feel as if we are in a sinking hole with no way of ever coming out of it ... .I have gone back and forth with EQUIFAX over this fraudulent account ... they have lied over and over and I will supply the documents to prove it! The only remedy at this point is a law suit, they lied to me and they have lied to the CFPB in their fraudulent responses as I will prove with the attached documents. I have been fighting for my financial life here trying to put all the pieces back together. As you will see from the time I filed my Identity theft affidavit. I also have proof that I was a victim in the security breach at Equifax which exposed my personal information on the DARK WEB and across the world. I will supply my credit reports from all 3 bureaus dated XX/XX/2018 showing the fraudulent account XXXX   XXXX # XXXX, after I supplied all the proper documents in XX/XX/XXXX and the documents were received by all 3 bureaus XX/XX/2018 ... ..the ACCOUNT WAS FOUND TO BE FRAUD AND WAS REMOVED FROM XXXX AND XXXX as you can see on the reports dated XX/XX/2018, EQUIFAX responded to my previous complaint and stated that the account had been deleted from my file on XX/XX/2018 ... .see attached response to the CFPB ... .dated XX/XX/2018!! but as you can see in the report dated XX/XX/2018, EQUIFAX never removed or deleted the account and is still reporting it on my file today!! my scores and reports with XXXX and XXXX are around 700 but Equifax is killing me and my financial life. I have obtained a lawyer and I am prepared to sue for every dollar that I am allowed. I am sure that the CFPB have all records as I do ... .but you can clearly see that EQUIFAX is BREAKING the LAW here!
Consumer complaint received 2019-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BMO Bank, N.A. (IL)

Since BMO Harris rolled out its new online banking system recently, the bank is deducting funds from my account for checks sent through / by BillPay days before the biller receives and deposits/cashes the checks. The three most recent examples are below. The biller in this case is XXXX XXXX XXXX. In addition, BMO Harris no longer includes a hyperlink next to the debit entry ( online banking ) so that I may be able to review a scanned copy of the cleared check received by the biller. Finally, the FAQ webpage of BMO Harris, in the BillPay section states that funds will not be deducted from my account until the check is cashed. However, this is fraudulent. Most recent examples : Received By date set as XX/XX/2019, {$300.00} ; not received/cashed/posted until XX/XX/2019. Received by Date set as XX/XX/2019, {$300.00} ; not received/cashed/posted until XX/XX/2019. Received by Date set as XX/XX/2019, {$2300.00} ; not yet received/cashed/posted as of XX/XX/2019. 

Since my initial complaint, the company quickly sent an email notice of a change in terms on XX/XX/2019 to the Digital Banking Agreement, in which it describes a " Corporate Check '' as a new ( and now third ) option the bank in its sole discretion may choose to use at any time ( separate from and distinct from the generally accepted practice of a paper check and an electronic transfer ). When the bank in its sole discretion chooses to use a " Corporate Check '' to pay a bill, under the new terms ( set to take effect on XX/XX/2019 ), the customer has no course of action if funds are not received by the biller ( received / cashed / posted ), until at least 90 days have passed. In the meantime, BMO Harris deducts the funds from your account on the " estimated received by '' date. It is only after 90 days have passed that they will begin the process of review in order to possibly credit back the funds to your account if the funds are not received by the biller, by that time. This unreasonable delay is unacceptable, to any degree, when funds are being withdrawn from an account and essentially seized with no available remedy to the owner of the funds, and with no manner of transparency to trace the funds, or verify when the check was mailed, received by the biller, or cashed - and with no manner to review a scanned copy of the cleared check afterwards.
Consumer complaint received 2019-05-14
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: HCFS Healthcare Financial Services of TeamHealth (OK)

I have sent numerous debt validation notices to XXXX XXXX XXXX they say I owe XXXX, I never received a response back from the creditor. As per the ( FCRA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FCRA. However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FCRA. My next step is to contact a consumer protection attorney unless the matter is resolved here.
Consumer complaint received 2019-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NV)

On XX/XX/XXXX I placed and cancelled an order. This order was shipped anyways. I refused the order and gave it back to XXXX. XXXX did not deliver it to the shipper. I contacted Citi Bank to inform them of the dispute. They did not handle the dispute properly and did not give me an opportunity per card member agreement and Mastercard rules to properly dispute this charge. I had a number of written and verbal correspondence with Citi about this issue. After I was told the dispute was found in the favor of the shipper/seller, I requested arbitration verbally and in writing. They did not allow arbitration to be conducted. Due to the delays of Citi Bank and their dispute process, I was unable to properly dispute this.
Consumer complaint received 2019-05-13
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DHI Mortgage Company (TN)

I went under contract on a home with a XXXX XXXX home on XX/XX/19. I applied for a loan and was prequalified through DHI Mortgage ( Company NMLS # XXXX, Branch NMLS # XXXX ), their lending company. 

I received a loan application about a month later, but my finances had changed. I informed the current loan officer, XXXX, NMLS # XXXX, that my current financial position is not the same. I have also informed XXXX XXXX, the sales representative. I have asked them both to update the loan application because I will not sign for a loan that I don't qualify for. I did the right thing and disclosed my current financial position. XXXX XXXXXXXX and DHI Mortgage are trying to force me to apply for a loan with incorrect information because based on the inaccurate information, I qualify for the loan. They will not update the information in question, and are telling me I have to withdraw from the contract and forfeit my $ XXXX earnest money. 

I have requested several times to have the loan application updated, and they keep telling me they will not update it because based on the old information I still qualify. I have explicitly stated that I am aware that misrepresenting finances on a mortgage application is mortgage fraud. They are refusing to update the information and refusing to refund my earnest money, because I'm unwilling to commit mortgage fraud.
Consumer complaint received 2019-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX, I have received the attached e-mail from Citi ( attached ). According to that e-mail, I had until XX/XX/XXXX to renew my XXXX membership to keep my Citi Credit card account opened. 
Yet on XX/XX/XXXX, I have received another e-mail from Citi ( attached ), that states that my Citi account has been closed. 
Citi dropped the ball here, obviously. They did not honor their own communication to me. They have closed my account. When I called them, and asked to talk to supervisor, they have mentioned that e-mail only gives me until XX/XX/XXXX to renew my XXXX membership in order to keep Citi Credit card opened. 
That is complete lie! 
Supervisor XXXX said that they have to Hard pull from my credit card in order to open Citi Credit card! They account that I had since XXXX! ( originally with XXXX XXXX, but Citi bought the XXXX accounts from them ). 

I demand Citi reinstate my credit card right away! 
E-mail is an oficial document. Citi should honor their own communication. 
Please reactivate my account as soon as possible. 
I do not want to get any Hard pull inquieries to my credit. 
I want same exact account reopened to keep my tenure on 10 years.
Consumer complaint received 2017-06-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (WI)

I HAVE APPLIED FOR A MODIFICATION AND WAS INFORMED THAT MY FILE HAS BEEN DEEMED COMPLETE ALL REQUESTED DOCUMENTS SINCE  XXXX / XXXX /  XXXX  . I CALL WEEKLY AND NOTHING CHANGES, NO DOCUMENTS BEING REQUESTED OR ANYTHING ELSE BESIDES IN REVIEW ALL DOCUMENTS HAVE BEEN RECEIVED. I HAVE A  XXXX   XXXX  LOAN SO I WENT ON THEIR WEBSITE FOR MODIFICATIONS AND READ THAT THE LENDER HAS 30 DAYS TO ISSUE A DECISION ONCE THEY DEEM MY FILE COMPLETE AND SEND IT TO THE UNDERWRITING DEPARTMENT. I CALLED TODAY  XXXX / XXXX /  XXXX   AND WAS INFORMED THAT AS OF  XXXX / XXXX /  XXXX   A LETTER WAS SENT OUT STATING THAT MY FILE WAS DEEMED COMPLETE AS OF  XXXX / XXXX /  XXXX   WHICH IS NOT TRUE DUE TO I WAS TOLD THAT SINCE  XXXX / XXXX /  XXXX  . MY DOCUMENTS ARE VERY OUT DATED AS THEY ONLY HAVE  XXXX  AND  XXXX  DOCUMENTS. I KNOW THAT ONCE SOMEONE ACTUALLY TOUCHES MY FILE THEY ARE GOING TO START ASKING FOR DOCUMENTS AGAIN AND WHEN I ASK IF I SHOULD UPDATE THEM THEY SAY NO, THIS WILL SLOW DOWN THE PROCESS EVEN MORE. HOW CAN I GE T DITECH TO HEL P ME IF NO ONE DOES ANYTHING. THE REPRESENTATIVES THAT I SPEAK TO ARE ABSOLUTELY RUDE AND DONT CARE OR GIVE ANY CUSTOMER SERVICE. I AM JUST LOOKING FOR THIS SERVICER TO ACTUALLY DO THAT WHICH IS SERVICE MY ACCOUNT FOR MY INVESTOR WITH 100 % CUSTOMER SERVICE AND KNOWLEDGE SO I CAN TRY AND SAVE MY HOME.
Consumer complaint received 2019-05-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MN)

I have a private student loan with navient and I sent them to checks last month in XXXX from two separate checking accounts and they seem to have lost both checks. Neither one has posted to my student loan however both have cleared through my checking accounts. For both accounts when I look online it looks to be paid to Sallie Mae, not to navient. I have called navient multiple times and no one can answer my question as to where my money is. I also called Sallie Mae although I do not and have not ever had a loan through them to have them look as well. The first check I wrote is from XXXX XXXX, check number XXXX for {$450.00}. The second check was from XXXX XXXX XXXX, check number XXXX for {$480.00}. My account number with navient is XXXX. Since getting my student loan I have gotten married in my name is changed from XXXX XXXX to XXXX XXXX but navient still has my name is XXXX XXXX.
Consumer complaint received 2019-05-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (WI)

The dates and amounts cary over the course of 10 plus years. I would receive phone calls and they were calling me names, like XXXX****, and saying i got the loans now its time to pay or i will my house, car, children would call me at leasr 20 times a day. I changed my phone number over and over and they still found it. They said i had to send payment asap. 
I would get different information everytime i would talk to XXXX. I was given more amounts of what i owed or how much my monthly would be They told me everytime called that my account would be updated with the information, but of course, never was. 
They would callny job at the time i hsd one, that i got fired because of them. 
Was even told the law enforcement will be showing 5that same day to take.me to jail. 
Was told since i was also on state assistance, to get off my XXXXXXXX XXXX XXXX*. Was called XXXX XXXX. Sometimes they would be arguing with me that i couldn't get a word in i would cry for hours because of their nonsense.
Consumer complaint received 2019-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Rocket Mortgage, LLC (FL)

I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bonneville Billing and Collections (TX)

On my XXXX credit report, it shows two collection accounts that 1. Was paid by an attorney for a car accident insurance settlement 2. I have never received a statement showing that it had not been paid in full by my attorney 3. I believe these accounts were removed from my credit report and have now reapppeared.

The two collection accounts are as follows : A. Bonneville collections for {$240.00} B. XXXX XXXX for {$320.00} I can not get any information from the credit bureau regarding these accounts. Thank You
Consumer complaint received 2019-04-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

I am a XXXX XXXX XXXX. I have customers who use CashApp to send payments for products. Cash app advertises a way to send and receive money from friends and family. They have closed my account leaving me no way of getting the money my customers have sent me. I have tried all the ways to get my funds. The Cashapp will not accept any debit cards as it states it should or bank account. I have tried to contact via the phone number they have listed online with no luck. I have called square who owns cashapp and have been told they can not help me. They only give out the phone number that is automated and states there is not a representative to speak to. When you try to get support online this is what happens. Sign in and it says they have to email you a pin. Then when you get the email and put in the pin you get a message that you will get an email with a link to sign in. There is no additional email to login. There is no way of contacting anyone to discuss how to get the funds. They are fraudulently scamming people to use their services in order to keep the funds.
Consumer complaint received 2019-04-20
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: HCFS Healthcare Financial Services of TeamHealth (TX)

XXXX is continuing to report unverified trade lines on my credit file, I've attempted 3 times to get them to send proof they have authorizition to collect these debts
Consumer complaint received 2019-04-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (GA)

On or about XX/XX/2018 I went to XXXX XXXX located at XXXX XXXX XXXX XXXX in XXXX GA because I needed a car to get to work. I saw a XXXX XXXX  XXXX XXXX and decided to purchase it. The deal was for {$17000.00} and my interest rate came out to 18.32 %. I was confused as to why my rate was this high but was told that it was because of a recent bankruptcy filing. I decided to let things be and move forward with my life because I am suffering from a XXXX. Over the last 12 months I was repeatedly told by a credit monitoring agency that I was overpaying and that the interest rate is too high for my credit score.
Consumer complaint received 2019-03-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AZ)

Equifax ha been unable to resolve a dispute against XXXX XXXX XXXX because their system only has 3 reasons to dispute and they go by codes and none of the codes fit the situation so they are unable to process for the reason that I tell them they just pick one and it does not apply so it does not work. They need add more options and be more flexible.
Consumer complaint received 2019-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

These accounts I'm disputing does not belong on my credit report for the simple fact they do not belong to me. I'm demanding that the 3 major leading credit bureaus remove them immediately. If the reporting agencies can not share their Method Of Verification with me as my consumer rights in accordance with the FCRA laws then these accounts shall be blocked immediately. The accounts are, XXXX And XXXX {$1500.00}, XXXX, and XXXX XXXX.
Consumer complaint received 2019-04-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BMO Bank, N.A. (IL)

In XXXX of XXXX, an error occurred and BMO Harris did not receive proof of my Homeowners insurance. Due to another error, BMO was sending notifications of this to the wrong address, and also calling a phone number which was not mine. BMO bought homeowners insurance on the open market at a very high rate and adjusted my escrow. This is when I noticed it on my mortgage statement online. 

After correcting the address in their system and the phone number, they assured me that everything would be fine. They did an escrow assessment and sent me a check for {$1500.00} for an amount that the escrow was over. They assured me that the prior due amount would be adjusted on a future statement. 

Since then, they have not been applying my mortgage payments ( which are automatically debited from my checking account ) correctly. It is complicated for me to understand, but because of how their system works, they will not book a partial payment, but only a full one. For some reason, this error has been accumulating and is now saying that my mortgage is a full month past due and they are demanding I make, essentially, double mortgage payments. I can show in my checking account that the correct amount has been debited every month on the correct date without failure. Their website does not allow me to easily see more than a few months back and they are saying that I need to show them where the error took place. It seems like they are trying to make ME audit their systems without full information, something they should  be able to do. A phone representative ( XXXX in their customer service ) even said that it appeared everything should be current. 

I talked to Their representative several times over the last few months about this ( Once around XX/XX/XXXX ) and was always assured that they would escalate it to their Escrow department, and that someone would call me within 48 hours. I have never received any calls from their Escrow department and the issue has not been resolved.
Consumer complaint received 2019-04-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Hello I purchased a used vehicle XX/XX/2013 ... total amount of loan {$15000.00}. Ive already paid {$20000.00}. Still owing {$3500.00}. There seems to have been an error either on Capital one or with XXXX XXXX XXXX. I just recently noticed my loan term of 72 months which is {$8400.00} more than my original loan amount. Capital One is unable to explain this therefore my only option is to report them. 

Respectfully XXXX.