davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-16
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

On XXXX/XXXX/2016 I ordered a trial size of XXXX dietary supplement from what I thought was a XXXX web site, which was actually an impostor. I paid {$4.00} for that transaction by Citi credit card on this fraudulent site. At XXXX I received an email confirmation from XXXX for this single transaction. 
The Seller, which was identified by Citi as XXXX : XXXX, represented by XXXX XXXX and XXXX XXXX XXXX were running this fraudulent web site with fake testimonials, where I bought from, which was designed to imitate official looking XXXX website complete with XXXX logo and layout XXXX The web site is no longer operational. But judging from the other customer reports on XXXX this scam might be run by multiple sellers on multiple short living web sites. 
XXXX provided a description of this scam on their web page XXXX On XXXX/XXXX/2016 the Seller made an additional charge of {$89.00} using the same credit card I supplied with the first transaction, now for subscription, which I did n't authorize and disputed with Citi. 
The Seller responded to the Citi request providing information from their real web site XXXX, claiming that I ordered subscription from that site, which I did n't. Citi declined to issue a credit for this fraudulent transaction.
Consumer complaint received 2015-06-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX Bank XXXX XXXX As per the Florida statue : 95.11 ( Title VIII Chapter 95 section 11 ) the statue of limitations for collections of this debt has expired. Please immediately remove evidence of any outstanding debt owed from my credit report.
Consumer complaint received 2015-05-05
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SUNTRUST BANKS, INC. (GA)

On XXXX, XXXX XXXX, 2015, I was reviewing my Suntrust checking account online and noticed a pending XXXX charge in the amount of {$560.00}. I immediately contacted the Suntrust Fraud Department to dispute the charge. On XXXX, XXXX XXXX, 2015, I went into a branch and completed paperwork to stop payment on the charge. The paperwork was processed and the {$36.00} stop-payment fee was drafted from my account. The {$560.00} charge was still in pending status therefore the funds had not been issued to XXXX. However, Suntrust allowed XXXX to draft the funds from my account. I submitted the required form to the Fraud department disputing the charge on XXXX XXXX, 2015, which I can fax to you if needed. Days later, I received the attached letter advising me the charges were valid. I asked Suntrust to provide me with the documentation they used to make their determination on XXXX separate occasions. They have not provided it. I do not have an account with XXXX nor have I had a contract with them. I want the {$560.00} returned to my account.
Consumer complaint received 2018-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

capital one closed my account with no phone call, no letter, and no email notoce. I go to nakr my onlinr payments and it says restricted. I call in and its dtates closed. The rep said due to an NSF history on 1 card they closed all 3 accounts. I have hard these cards for years and was not aware of this policy. And they didnt attempt to call to advise me. I got no warning in the mail. I didnt even know they were closed until I call on XX/XX/XXXX, The day before XXXX. I dont tbink its right that tgey dont give you a warning or notice that this could occur. Thid has messed up my credit attempting to get a house and I was getting a bonus check to pay all 3 cards off XX/XX/XXXX. We were just advised that on XXXX Friday. I believe these practices are unfair as you get a notice about everything else, but this. This is something crucial and affects peoples credit and life. Now my credit is ruin.
Consumer complaint received 2016-12-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: BANK OF THE WEST (CO)

My husband and I applied for a jumbo mortgage with Bank of the West. We worked closely with the mortgage loan officer over a period of five months ( XX/XX/XXXX - XX/XX/2016 ) discussing our options. After Bank of the West reviewed our file, the mortgage loan officer told us that we were not approved for a jumbo mortgage, but that we would be able to procure a smaller ( {$470000.00} ) mortgage AND an additional {$300000.00} line of credit in lieu of the jumbo mortgage. She reassured us over and over that this product combination would work for us and that we would close on the line of credit within a few days of closing on the mortgage ; however, she was insistent that we had to close on the mortgage first. After we closed on the mortgage with Bank of the West, the line of credit stalled. We asked for answers on its progress for over a month before ultimately being denied the line of credit. We feel that we were misled into purchasing Bank of the West 's mortgage loan product under the assumption that approval for a line of credit was imminent. Had we known before closing on the mortgage that we would be denied the line of credit, we would not have closed on the mortgage. Instead, we would have continued shopping for a mortgage/line of credit product that better suited our needs. We feel that Bank of the West was only in the game to secure our mortgage and once that was done, the door was slammed in our face. Very, very misleading and frustrating. Now we are stuck with a mortgage that is only one part of what we were promised. We also feel that the underwriters at Bank of the West have differing and waivering standards among themselves that are not consistently applied or communicated with the mortgage loan officers and the customers. In the underwriter 's explanation for declining the line of credit, not all of the reasons given were sound and logical, and the explanation added layers of risk that were based on assumptions that could have been addressed if the underwriters had asked for clarification.
Consumer complaint received 2015-11-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC (CA)

About a month ago, I inquired about the HARP program, and I was assigned to XXXX XXXX. I was told by XXXX that in order to be approved with the HARP program I have to be working. At that time I inquired about the HARP program, I was in between jobs and was only receiving unemployment benefits. On XXXX XXXX, I went back to work and contacted XXXX XXXX again. He instructed me to send him a copy of my paystub, and so I did on XXXX/XXXX/2015. As of today, I still have not heard from XXXX XXXX. I have been leaving messages at XXXX XXXX XXXX XXXX, but would not return any of my calls.
Consumer complaint received 2016-10-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (MA)

I have XXXX mortgages with Specialized Lender and I never received my XX/XX/XXXX mortgage statement which is what triggers me to pay them. I opened my XX/XX/XXXX statement on XX/XX/XXXX and realized I never psi for XX/XX/XXXX. I immediately paid for both houses and the late fee for XX/XX/XXXX and they received payment XX/XX/XXXX. I thought I was all set until today when I was declined for credit for a new phone. When I called I found out I went from a near perfect credit score to default. I immediately called the mortgage company and they told me I could fax a letter but usually they never reverse the notification they send to the credit reporting bureau. SLS also do n't thing they needed to contact me before they notified the credit reporting bureau. I have never been late before and had a great credit rating and they ruined it and do n't seem to care to help me clear it up. I did send them a faxed email since that is all I could get to deal with my issue and they told me they would let me know what they will do in 30 days. So they ruined my credit and I ca n't do anything tip I hear from them. 

XXXX.
Consumer complaint received 2016-10-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Kimball, Tirey & St. John LLP (CA)

The collection on my credit report is for XXXX dollars for a place that i had moved out of and taken my name off the lease. I also had a deposit for {$450.00} that I never received back. It was a lease that was split with another person ( XXXX XXXX and XXXX XXXX ). After the 6 month lease was up I had my name taken off the lease and my deposit was taken from me. The XXXX other roomates continued to live in the residence and they would be responsible for any money owed.
Consumer complaint received 2017-02-14
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PLAZA HOME MORTGAGE, INC. (HI)

According to XXXX XXXX XXXX XXXX ( " XXXX '' ) selling guide under " XXXX Registration '', it reads " If a lender registers a mortgage with XXXX after XXXX has purchased or securitized the loan, the lender must name XXXX as the investor during registration and notify XXXX of XXXX ownership interest in the mortgage. ( The MIN will not have been included on the Loan Schedule or Schedule of Mortgages. ) '' Go to Exhibits " A '' and " B ''. 
This is exactly what Plaza Home Mortgage, Incorporated ( " Plaza '' ) did when it registered the mortgage with XXXX in 2006 after XXXX already purchased or securitized the loan. 
Go to Exhibit " C ''. 
Yet Plaza 's employees, counsel, and attorneys have the audacity to insist that Plaza sold this same mortgaged loan to XXXX XXXX XXXX even after XXXX had already purchased or securitized the same loan when Plaza registered the mortgage with XXXX in 2006. 
But Plaza does not stop there. Plaza continues to insist that " The Plaza Mortgage and associated mortgage note was sold and record notice of the transfer is documented by that certain Assignment of Mortgage recorded in the Bureau of Conveyances of the State of Hawai'i as Document Number XXXX '' ; and that " Plaza 's Mortgage, which is secured by the Property, was transferred to XXXX XXXX XXXX, XXXX XXXX. '' ( " XXXX '' ). 
Go to Exhibit " D ''.
Consumer complaint received 2024-10-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: PNC Bank N.A. (MI)

On my PNC account I had made a payment for my rent, was already posted and a day later they reversed my payment of rent and took money back from a claim that they ended up denying! This occurred XXXX XXXX which led my rent not being paid! Im stressed and couldnt even see that coming since I originally paid it.
Consumer complaint received 2020-08-07
Product: Credit reporting, credit repair services, 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. (NC)

Mortgage was transferred from XXXX, Account # XXXX opened XX/XX/XXXX. New Account # XXXX Not appearing on my personal credit reports. As of XX/XX/XXXX
Consumer complaint received 2016-09-28
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (TN)

I get a collection on my account without my knowledge and now received frequent phone calls with a company I do n't even know. The account is closed on my credit report and the balance of {$1800.00} still showing so I do n't really understand why the company keep calling me for a closed account.
Consumer complaint received 2015-05-06
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation (AZ)

On XXXX/XXXX/15 money was taking out automatically from my bank and on XXXX/XXXX/15 the company took additional money out of my account without permission XXXX. When I contacted the company and spoke to management they said they can not credit the additional un-authorized money back to my account.
Consumer complaint received 2017-01-13
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (NY)

XX/XX/XXXX, I had a cell phone ( smartphone ) stolen. This was reported to my local police department. I thought that all the security apps I had in place would protect me but I was wrong. Due to that theft my identity was compromised. As a result I dealt with everything from accounts attempted to be opened to funds being funneled out of my checking/savings account. For the first time in my life I was thankful that I was not rich as there was n't much to steal but enough to put me in uncharted territory. With thanks to my bank I was able to slowly but surely remedy the situation. But due to the circumstances, I for the first time was behind on my bills. I had a credit score before all this happened of about XXXX-XXXX, not perfect but respectable. I am scared to even check to see what it is now, literally. XXXX has creeped in. With all this going I was looking for options to keep myself and my family afloat without issue. I received an advertisement which I can upload later mentioning a forbearance possible on my 2nd mortgage account. I called CitiMortgage, received some information, and wanted to begin the process. I was told that I was n't late enough to take advantage of anything but if I became more past due options would open for me ... this made sense but sounded frightening at the same time. I reluctantly let the account go further behind until it was time to take advantage of the forbearance which I was to initiate the process before XX/XX/XXXX. However, at that time I was told that that because my 2nd mortgage was not FHA or XXXX that I could not take advantage of the forbearance. My heart sank, I have/had the feeling that my life was ruined. I have a daughter who wants to go to college and now the credit worthiness that I worked so hard to maintain was ruined over misinformation. The only reason this forbearance option was even remotely attractive to me is because it would prevent credit reporting once I accepted the forbearance terms. My primary mortgage account was never late since obtaining it XX/XX/XXXX, not once, not ever. I am a responsible customer. Although the rate is substantially high here on this account I have n't had any issues with CitiMortgage. CitiMortgage is a great company and I just need someone who can understand and help me. I simply want to remedy this situation and receive accurate information.
Consumer complaint received 2015-11-11
Product: Credit card — 
Issue: Application processing delay — 
Company: CITIBANK, N.A. (IL)

i am an XXXX and have an excellent credit score. ( @ XXXX fico ) with greater than 10 years of credit history. i have applied for a citi credit card attracted to their double miles promotion. 

they have been sitting on my application for more than a week. when i called the agent tells me that application is still pending in a department, that can not be reached by anyone. 
she suggests my only option is withdrawing the application. with a credit enquiry already posted to my history, i am very much interested in the reason they have been sitting on my application. 
regardsXXXX XXXXXXXXXXXX credit application no. XXXXdated XXXX/XXXX/2015
Consumer complaint received 2015-05-22
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: FIFTH THIRD FINANCIAL CORPORATION (CO)

In assuming a VA mortgage with Fifth Third Bank, they allowed the escrow company to send financial statements including, Name, DOB, SS #, Credit Card information andmortgage information in an unsecured and unencrypted email to the seller. This wasfor both my wife and myself. 
Escrow Company:XXXX XXXX XXXX XXXX XXXX, KS XXXXXXXX Closer : XXXX XXXX XXXX ( XXXX ) XXXX Ext. XXXX
Consumer complaint received 2016-05-26
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (OK)

I am an authorized user on my ex-husband 's XXXX credit cards, XXXX with Citibank and XXXX with XXXX XXXX. He has called each of these companies and asked that they remove me as an authorized user multiple times since XXXX, each time they assured him that I would be removed. I refinanced my truck in XXXX XXXX and they told me his accounts were still showing on my credit report. My credit score was XXXX at that time. I never applied for any credit after that, but I pulled my free annual credit report in XXXX and saw that his accounts were still on my credit report. He called the companies again, and was assured that I 'd been removed. In XXXX XXXX I applied for a mortgage loan and discovered that his accounts were still on my credit report, and by then my credit score had dropped from a XXXX to a XXXX. He called the companies again, and was assured that I 'd been removed. Now I just re-applied for a mortgage loan and discovered that his cards are still on my credit report, showing me as an authorized user, and because my ex-husband has gone over the credit limit on XXXX of the cards and has a past due payment on XXXX of them, and has over 30 days delinquency on the other card, all of those factors have negatively impacted my credit score significantly. My credit score has gone down from XXXX in XXXX XXXX to now a XXXX in XXXX XXXX. I do not have any negative items on any of my accounts that I have ever had in my life, or on any of my current accounts. I have never had a late payment, over credit limit, nothing negative whatsoever, my credit was impeccable. And now, because these companies have repeatedly ignored our requests to remove me from his cards as an authorized user, my credit score has dropped significantly and now I ca n't get a home loan. I want Citibank and XXXX XXXX to remove me as an authorized user immediately and I want them to restore my credit score back to where it should be.
Consumer complaint received 2020-07-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (FL)

XXXX Coinbase.com has a mechanism in their support ticketing system that automatically locks a users account. It is effectively a land-mine and I inadvertently stepped on it when submitting a support ticket. Now, I am unable to access my account and their support personnel are no where to be found. It's just an endless series of autogenerated email responses and survey 's. Not only am I unable to access the funds and crypto in my account, I am unable to manage the trades I have on their order book. This has left me in an extremely vulnerable position with no way to contact the company in a timely manner. Please help!
Consumer complaint received 2016-09-23
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Avant Credit Corporation (AL)

Avant would never work a payment arrangement that was in my needs. The interest rate was to high as well the payments. So I got behind then they sold my account to XXXX XXXX XXXX. XXXX ended up pursing legal actions against me. Well I ended up winning the case and turned out I did n't have to pay them nothing.
Consumer complaint received 2016-09-29
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation (MD)

The interest rate is 35 %. At the beginning of the loan I was not told that the interest rate would be this high. As a matter of fact the advertisement said that the rate would be around 6 %. They changed the terms of the loan which they called restructuring of the loan to change the payment and they never honored the new payment of {$100.00} a month. I have paid for about 7 payments of this loan on this and still own the same amount as when I started out. About 3 months ago when I had to change accounts or method of payment they would not let me change checking accounts to make my monthly payments. The fees are out outrageous. They are already gouging me at a rate of 35 % interest plus bogus fees attached to late payments. Predatory lending practices at best. Customer # XXXX Loan Id. XXXX Avant 's Contact Info. XXXX Thank You
Consumer complaint received 2020-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc. (OH)

On XX/XX/2020 I was at XXXX trying to withdraw cash it keep telling me I reach my max with draws. I never had this happen so I got on my cash app app an look for the customer service number. At that point I call the number I found. He told me the only way he would be able to fix the issue was for me to go to the app store an download a app call XXXX XXXX or something along the lines of that. So I download it not know in this app was going to give him full control over my app/phone. While on the phone we was talking an I happen to get a beep I look at my phone an see him controlling my app an in my app I look at how much was in my account an it said XXXX. So I went from XXXX to XXXX. He did 4 diff with draws 3 for XXXX an one for XXXX. First 3 account that got the XXXX were all diff then one of those account received the XXXX. I started freaking out an ask him what happen to my money an to just put my money back on my card. He told me not to worry an to hold the line he well be back. He came back to the line an said he was having issues on returning the money an ask me 1st if I had a debit card I could link to my cash app that had XXXX on it I told him no. Then he ask XXXX? I said no ... then he ask me to go to the nearest store an purchase XXXX in XXXX XXXX cards. I told him I dont have any money an I was not doing that. I hung up on him at less 5 times over speaking with these ppl for 2 hours trying to get my money. At one point he even laugh an told me I been scam. Told me reporting it to anyone well do me no good. I contact cash app immediately thru email cause it 2020 an their a company who does not have a live customer service number smh. Waited for a response only to be told alone the line they could not do any form of refund cause someone had access to my account in the past. I ask for them to prove whatever their speaking out an yet to get any proof. After all this I learn going thru XXXX there many many scammer numbers listed as cash app customers service numbers. I also learn this has happen many times to other customers an still yet cash app is doing nothing to protect their customers. I went thru the app request a refund that did no good. I call all the numbers back they keep calling me back on only to learn those number all were text now number an was all disconnected. Am not sure how cash app doesnt feel I dont deserve my money back when the number i found WAS ON MY CASH APP APP. I also have recording on my son phone I can send if need to of them admitting they work for cash app. Why hasn't cash app did anything to PROTECT their customers why does this keep happening
Consumer complaint received 2017-01-27
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (TX)

My XX/XX/XXXX mortgage statements if payment is received after XX/XX/XXXX a XXXX late fee will be charged. my payment was sent by express mail on XX/XX/XXXX and delivery was attempted at XXXX on XX/XX/XXXX the attached document shows. 
my payment was there before the designated day and I was still charged a late charge