davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-12
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A. (FL)

. At the time of the recession when everyone was losing or walking away from their homes we were given a trial mortgage by Citi which we paid every month with the promise they would modify the loan. after the trial period they put all the interests back, did not modify us and put us in foreclosure as mentioned.So happens they put us in foreclosure and we had to pay back a lump some of money to save our home from going into foreclosure. Now there is a {$15000.00} dollars plus interest on our loan which makes our monthly payments very high and the XXXX dollars we had to pay them to save the home despite the fact we were still making monthly payments they told us to pay. I would like a full investigation in our account held my current lender and previous from the initiation of the mortgage with citi back in XX/XX/2004 and the current holder of the loan citimortgage. WE are stuck in a rut, and can not move forward like everybody else and we are reliable and responsible citizens.WE can not refinance or get the benefits of a Harp or lower interest rates. Our credit was ruined because we were promised what we did not get. The people who benefited are those who have money and can more than afford.
Consumer complaint received 2015-12-15
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION (VA)

Good afternoon, I 'm in need of assistance. I 'm hoping you can see to it that this gets resolved. 

Compass Bank had the second lien on my property located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. The property went to foreclosure in XX/XX/XXXX. XX/XX/XXXX was the last reported date on my credit report revealing I was 120 days past due. This was my last time since negative. 

XX/XX/XXXX I discovered Compass was reporting that I had a monthly obligation of {$23000.00} on this old debt. This was reflecting in my monthly DTI. I disputed this information through XXXX XX/XX/XXXX when my Credit Score was XXXX. I have been rebuilding my credit since the foreclosure ( XX/XX/XXXX ) and imagined that this erroneously large monthly obligation 's removal would only help me. Instead, Compass Bank eliminated the monthly obligation and updated the status to a charge off as of XX/XX/XXXX. 

Now my credit report says I have a RECENT LATE as of XX/XX/XXXX and XX/XX/XXXX - but the last time I was late with payments was XX/XX/XXXX. Compass recent reporting of my charge off occurred in XX/XX/XXXX and now XX/XX/XXXX because of my recent complaint. They updated their records to reflect CHARGE OFF XX/XX/XXXX. Their adherence to erroneous reporting makes lenders and other affiliates assume I was recently late on my obligations. I DO NOT HAVE A CHARGE OFF AS OF XX/XX/XXXX or XX/XX/XXXX. But as you can see on the evidence provided I was NOT late on any payments in XX/XX/XXXX. ( I have n't been late on any payments since XX/XX/XXXX. ) How could I be late on an account that has been closed since XX/XX/XXXX? Compass wrote that the balance is past due as of XX/XX/XXXX and now XX/XX/XXXX but I was 120 days past due from XX/XX/XXXX. 
LENDERS will NOT approve me for a mortgage because it says I was recently CHARGED OFF. How can I now have XXXX CHARGE OFFS on XXXX ACCOUNT? 
I was recently declined a mortgage because of this reporting. Even though the notes say the Charge Off will drop in XXXX suggesting it is an old charge off their reporting is erroneous and inaccurate and make it appear that this is recent. 

Per XXXX my Time Since Negative is .1 years ( point one years ). Please help. I have n't been late since XX/XX/XXXX and it is all related to the foreclosure. 

Please help. The Time Since Negative is completely inaccurate. Please remove the negative date and have it report accurately to reflect that the time I was last negative was XX/XX/XXXX. 

Thank you kindly. 

XXXX XXXX
Consumer complaint received 2017-01-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLANET HOME LENDING, LLC (IL)

I am again having issues with the mortgage company Planet Home Lending, affiliate of XXXX. We were sent to this company for collections that we would not have have been in if XXXX would not have refused our payments for over a year. Again they accepted one and not others. So we were placed with a collection agency, who are now saying they did n't receive a payment for XXXX XXXX, the payment was sent the end of XXXX, however the other payment submitted in XXXX was also refused. The check was cashed on XXXX/XXXX/XXXX. We also had to send the modification papers in with the pay difference because this company has raised our payments from {$570.00} to {$680.00}, claiming it is for court cost lawyer fees etc. This would not have been the case if these companies would have kept the payments they received every month. I am a little concerned on whether this complaint will get results, I just talked to the company and was told the person handling the complaint is not in the office and no one else is taking his work load. 
His name is XXXX XXXX, So I asked how this business is being ran? One person that handles complaints and they are not answered in the allotted time. Again I think this is an issue and not acceptable thru FHA guidelines. 
Thank you for your time, XXXX XXXX
Consumer complaint received 2016-01-24
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CASHCALL, INC. (TN)

I needed a loan to help with my finances and got one originally with XXXX XXXX. They then sold the loan to XXXX XXXX, who in turn sold it to Cash Call. XXXX XXXX has now ceased operations, and Cash Call is not licensed in the state of Tennessee. While I was aware of the financing terms upon taking this loan, I was not aware it was not licensed in my state. I was also not aware of usury laws and limits on percentage rates for loans. In looking up cases involving these companies, XXXX XXXX tried to use the affiliation with a XXXX as a way around these practices, but as shown when the CFPB sued them ( see attachment ) this did not exempt them from state laws.
Consumer complaint received 2015-06-22
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Financial Asset Management, Inc. (UT)

I have filed a complaint against Check City and they continue to call my cell phone even though they responded to my XXXX complaint by stating they removed my cell telephone number from their system. The fact is, they have INCREASED their calls to XXXX a day by calling from a Virginia phone number. The new number they are calling from is ( XXXX ) XXXX, the XXXX number was ( XXXX ) XXXX. Please see my XXXX complaint, Number XXXX. The company responded to the XXXX complaint by saying they placed my cell telephone number on a DO NOT CALL list in XXXX, but calls continue to pour in and I find it interesting they have switched the number they are calling from since I refuse to answer the old number they were using. And, they have XXXX up on their attempts to call my cell phone ... I am now getting calls from both numbers DAILY.
Consumer complaint received 2021-04-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (HI)

To whom it may concern, on XX/XX/21, I attempted to sends funds to my brother XXXX XXXX using the CashApp. I attempted to send 3 payments of {$500.00}, {$500.00}, and {$8.00} totaling {$1000.00}. However, my recipient, my brother never received the funds. I made several attempts to contact CashApp Support to recover these funds and received several emails as well as having several phone contacts with CashSupport personnel. All efforts to have my funds refunded have failed. Therefore, I filed a dispute claim with my financial institution, XXXX XXXX XXXX XXXX fraud department on XX/XX/21. My dispute case was denied on XXXX as this was considered a person-to-person transaction. I have attached the dispute denial letter I received today from my financial institution. I have repeated contacted CashSupport to rectify this matter and have followed all directions requested of me by the XXXX personnel. My most recent contact was today, XX/XX/21 and was told that their records show that the recipient had received payments despite having discussed this matter with my brother as recent as XX/XX/21. My brother vehemently denied that he had received payments from CaspApp. The CashSupport personnel agreed with my brother and stated that the payments may have been sent to XXXX, which I thought was ridiculous. The following are the many emails I received from Cash Support along with my response to those emails. I have also included a snapshot of the CashApp on my phone. Your assistance with this matter is appreciated. 
Mahalo XXXX XXXX
Consumer complaint received 2016-12-27
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

I recently applied for a debt consolidation loan through One Main Financial, of XXXX. I provided my social security number, income details, address and rental history details, and very throughout information as to the credit card amounts and monthly payments I was looking to consolidate. 

The company is NOT XXXX in underwriting standards. I applied for the debt consolidation loan through their website XXXX https : //www.onemainfinancial.com/ ), then spent XXXX minutes on the phone with a woman in a call center re-confirming all the information I had input online. 

A local underwriter ( XXXX ) asked for income proof. I sent him my most recent federal tax return, photo ID and most recent bank statement showing paychecks being deposited. His local branch phone number is XXXX. 

I 'm self employed and can write off many business related expenses. This results in my tax return showing I earn far less than the paychecks I receive ( which they had on file ). They claimed they were only allowed to use the federal tax return as income proof. Called back & supervisor said the same thing. 

Here 's my gripe : At NO PLACE on the website, nor verbally was I told they can only accept a tax return as income proof. If I had known this up front I would not have spent an hour of my time with them, nor sent sensitive documentation. I feel I was descriminated against due to my XXXX self employed status.
Consumer complaint received 2021-04-07
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: Experian Information Solutions Inc. (GA)

I received a inquiry notictification for on XX/XX/2021 for XXXX 
I did not place an inquiry or request an application. The application was placed fraudulently and I am requesting the application be canceled and inquiry removed from my Experian credit report.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

THESE ARE ALL FRAUDULENT UNAUTHORIZED INQUIRIES THAT WERE NOT MADE BY ME. IVE REACHED OUT TO TRANSUNION MULTIPLE TIMES AND THEY HAVE YET TO REMOVE THESE INQUIRIES. 

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Consumer complaint received 2016-02-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Rent Recovery Solutions (NY)

I was contacted via telephone for an invalid debt on XXXX XXXX, 2015. I spoke to XXXX I provided my new mailing address and requested a letter. I knew the debt she was speaking of was invalid and told her this. I also provided my email. I knew I needed their information in order to dispute the debt. I never got any letter and they called me again. I explained I need to see a letter. I will dispute this debt I can prove it is invalid. Now suddenly on XXXX XXXX, 2015 I see it was reported to credit reporting agencies. I contacted them to remove this since it is not accurate and I never received a letter and in NY it is my right to get a letter to dispute. She said it is too late and they can not remove it. I said that is illegal I do n't even know who you are. She transferred me to a supervisor who also said too bad they will not remove it. She wanted me to make arrangements to pay. I said no this debt is invalid and I can prove it. I explained I have been working on my credit and on time payments and this collection will destroy what I built. Again she did n't care. I said I am going to file a complaint. They are illegally reporting false information about me and did not give me the opportunity to dispute this. I know it is my legal right and I need to complain so they ca n't do this to others. This is unfair and it cost me over {$1500.00} more in interest for a new loan I was waiting to receive. This is not fair and I needed to report this unfair activity. Please help me resolve this.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent. It is XX/XX/2022 and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable.
Consumer complaint received 2021-04-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (VA)

I transferred my coins to Binance US and after a few weeks it was frozen. I can not get into it and have tried everything I can and done everything asked of me but still nothing. I think they are running a scam. I got on XXXX and found the XXXX site and sent numerous messages to her. Nothing. There is NO phone number for them and the company that is their sponsor is BAM Trading located in XXXX. XXXX. CA. 
I transfered XXXX XXXX coins to Binance US from XXXX XXXX ( online investing ) I'm attaching all correspondence below. 
Thank you so much for your time and help.
Consumer complaint received 2017-02-18
Product: Prepaid card — Other special purpose card
Issue: Managing, opening, or closing account — 
Company: CITIBANK, N.A. (WI)

I had purchased a set of XXXX Good Year tires for my car from XXXX XXXX dealership in XXXX WI. At the time XXXX or XXXX XXXX was offering a {$100.00} rebate for the purchase of a set of tires. Good Year was also offering an {$80.00} rebate for the particular tire I purchased. The same rebate would have been {$160.00} if I had used my Good Year credit card to pay for the tires. XXXX XXXX XXXX XXXX XXXX purchased a prepaid credit card from Citi to put this {$100.00} rebate on. Good Year had also purchased a Citi prepaid card for {$80.00}. After receiving the cards I had misplaced them and thought they were lost. I could n't report them lost to Citi because I did not have the card numbers. I found the cards a week or so ago but they had expired. I contacted the Citi number on the back of the card and was told that the entire money balance on the card was forfeited to the bank on the expiration date. They refused to extend the expiration date or issue a replacement card. I was told that a lost card had to be reported within 60 days. The card purchased by Good Year had expired XXXX so I was reporting within 60 days of expiration and they still refused to issue a replacement for that card.
Consumer complaint received 2015-04-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc. (NY)

Dear Sir/Madam : The below collection agency has been calling me about a debt that I am disputing from an apartment that I moved out of at the end of my lease ( XX/XX/2014 ). The apartment is in New York XXXX XXXX XXXX XXXX XXXX XXXX. 

I left my apartment on legal terms as I was supposed to at end of lease and left my new mailing address. I never received any mail or contact from XXXX XXXX at my new address advising that I had a debt to pay for apartment damages. I only received notification directly from this debt collector almost five months later ( enclosed ). The only evidence they sent me is an inspector 's checklist stating the damages, with no pictures. What rooms are the damages in? Even if they had shown pictures, this complex has XXXX residential buildings with XXXX apartments. It would be very easy for them to take pictures of any apartment. I know that I did not make these damages and I want to see pictures prior to me moving in as proof of damages. Also, as I explained to them, New York landlords can not charge for normal wear and tear, and these building are pre-war buildings from the 1950 's. My unit 's floors were original floors. XXXX also renovates EVERY apartment after a move-out so they increase the rent for the next renter. So it is my understanding that any " fix-ups '' needed would have already been done during a renovation. 

It is also my understanding that XXXX is very negligent to their renters. After receiving these charges from the debt collector, I received a 'Thank You ' card ( enclosed ) at my new address thanking me for renewing with XXXX. That shows me that they do not care for their residents to pay attention to the details and they did actually have my new address. They could have sent me these charges themselves so I could handle it directly with XXXX versus sending the charges directly to a debt collector. In fact, if anyone were to look at XXXX XXXX XXXX XXXX on XXXX, they would see how much debt they are trying to recover. This is just another reason why I think they are just trying to pinch every penny they can out of their residents. 

The collection representative, XXXX XXXX, has called me multiple times now and continues to harass me and speak over me making it a very frustrating call. He will not give me details on how I can dispute or when they would send my debt to the Credit Bureau. He only says it could be at the end of the month but he does n't know. 

Debt Collector contact : National Credit Systems , Inc . 
XXXX
Consumer complaint received 2016-07-29
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (GA)

citi card offer me an upgrade card from gold to platinum and as promotional I can get a XXXX XXXX to the XXXX and XXXX bonus miles to my advantage XXXX XXXX card .. The requared was that I need to speend XXXX usd in the netxt 3 months .. I did spend XXXX in one month and paid in full .. I have been calling for the last 3 days about my miles and no answer about it ..they keep giving me no answers and keep me over the phone fo rmore that 10 minutes .. I spoek wiht XXXX on firday XXXX/XXXX/2016 XXXX request to speak to a manger and her answer was .. sorry there is no manager at this time ... can you imagine the band costumer seervice .. the offer me something and they dont want to give me that .. I need to know where are my XXXX miles
Consumer complaint received 2015-10-27
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL (NY)

Several years ago I signed up for a Care Credit card ( Synchrony Bank ). 
In XXXX of 2015 I set up a payment plan with a Synchrony representative ( from their debt collection department ), whereby an amount determined and agreed upon by me and this representative would be automatically debited from my bank account each month and would pay off the XXXX {$300.00} owed within 6 months. This amount was debited each month and I never received any information from Care Credit that there was a problem. 

In XXXX 2015 ( 6 months later ), I received a letter and statement from Care Credit showing that I now owed around {$370.00}. Completely baffled, I read over the statement and saw that they had been charging me fees of {$40.00} - {$50.00} each month without my knowledge. Since the beginning of 2015, I have been charged nearly {$400.00} in these fees ( more than my initial debt which was a XXXX time use of the card for {$300.00} at the dentist ). When I called Synchrony, they explained that the minimum amount due each month had not been met by my automated payment plan. The representative I set up this plan with NEVER told me that the amount would not cover the minimum. If he had, I would have ensured that this amount was paid each month. 

I asked that these fees be credited from my account as I believe they were intentionally charged without my knowledge, and certainly without informing me at the time of setting up the plan. To me this seems like a scam and willfully withholding crucial information in order to collect more debt. The representative refused to allow me to speak with a supervisor about this. I filed a complaint with her and was told that I would be contacted soon by a supervisor. In good faith, I paid the remaining balance on my card XXXX what it would have been without the late fees ) -- an amount around {$170.00}. I waited but never received a follow up call. 

In XXXX 2015, I received a statement saying that I still owed ~ {$370.00}, even though I had paid {$170.00} in XXXX. They were still charging me fees. I called the company again and was told that my complaint had been marked as " resolved '', even though I had never been contacted by phone, mail, or email. I proceeded to file another complaint. 
After explaining this situation to XXXX representatives, I asked to speak to a supervisor. They told me that it was unlikely I 'd be able to speak with a supervisor as he/she was " busy '', but that I could be put on hold. I waited on hold for XXXX minutes before hanging up. 

I believe the deceptive tactics used to set up my payments and continue to be used to ensure that my debt continues to accrue are reprehensible and predatory. I would like to have the full amount of the fees charged to my account in 2015 removed from my account. I am happy to pay any remaining balance I owe from the original debt, but I do not think I should have to pay these fees that were charged to me without disclosure from my conversation/payment plan set up in XXXX 2015 until the present.