davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (MN)

I have fully paid this account and there seem to be fees that were charged although the account had XXXX balance. Also, there is inaccurate late payment reporting on my credit report for this account. XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX. I  reported fraudulent charges on this account and have been attempting to contact US BANK to no avail and been transferred to different departments. 


US BANK {$6.00} Account Details Last Reported XX/XX/XXXX Creditor Name US BANK Account Type Flexible Spending Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$1200.00} Term -- Monthly Payment {$4.00} Responsibility Individual Balance {$6.00} Highest Balance {$4100.00} Payment Status Current Worst Payment Status 60-89 Days Late Date of Last Payment XX/XX/XXXX Amount Past Due $ 0 Times 30/60/90 Days Late 2/2/0 Remarks Canceled by credit grantor Payment History Latest Status : Current XX/XX/XXXX OK OK OK OK OK 30 60 30 OK XX/XX/XXXX OK OK OK OK OK OK OK OK OK 60 OK OK XX/XX/XXXX OK J F M A M J J A S O N D 30 30-59 Days Late 60 60-89 Days Late Credit Utilization*0.50 %  Creditor Contact Details US BANK XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX
Consumer complaint received 2019-11-25
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. (FL)

TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX  Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX  XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$4000.00} REV {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Dates : XXXX AUTHORIZED USER Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XX/XX/XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 



XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2019-11-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A. (TX)

Missing my escrow $ 8,000+ escrow check from a house closing in XXXX from Flagstar Bank . They will do nothing to help. They said they can recut a check and I can wait for another 2 weeks but I need it to close on a house. I was supposed to have it by the XXXX of XXXX.
Consumer complaint received 2019-11-25
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND AN ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRY HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF PERSONALLY. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRY AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. KEEP IN MIND THAT THE ACCOUNT AND INQUIRY DOES NOT RELATE TO ANY TRANSACTION THAT WAS MADE BY ME.
Consumer complaint received 2019-11-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (CA)

I am trying to close on a house on which my and my wife 's offer has been accepted, and urgently require funds in my savings account. All of my savings are there, and time is of the essence, yet I can not access any funds or contact anyone who works for Synchrony Bank. 

Today ( XX/XX/2019 ) I tried numerous times to access my Synchrony Bank online Savings account through its website and the app. The pages would not load, and I also tried calling all published customer service phone numbers ( the online representative chat was also unavailable at XXXX pacific time, which was unusual ). Half of the calls to customer service were dropped or otherwise disconnected ; a few more had a " technical difficulties '' response and disconnected, and the rest connected me randomly to advertisements and credit card help lines ( Amazon, Sam 's Club, and Banana Republic, to name a few ). 

I also tried transferring funds through the ACH online transfer to external bank accounts which had previously been verified, but that resulted in an error message, as well. 

I can not access any of my own money, and I am concerned I may lose this house and possibly all of my funds.
Consumer complaint received 2017-11-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (AR)

We used our " Best Buy/CitiBank '' credit card for purchases in XXXX, Arkansas. The remaining debt was {$230.00} as of XXXX XXXX, 2017. We went into the store to pay the debt on XXXX XXXX, 2017, but the store was having difficulties with their electronic cashier system. We paid them {$100.00} in cash, and wrote a personal check for the remainder, {$120.00}. The store cashier could not process the check electronically and could not print a receipt for the check. We submitted the check anyway and left the store, assuming the debt was paid. 
Collection calls began several months later, and come usually 2-3 times every day, often after XXXX XXXX. We have explained the situation with the collectors from CitiBank, but they seem to not understand and insist we owe upwards of {$280.00} due to interest and penalties. We have offered several times to immediately pay the {$120.00} because we have confirmed with our bank that the check has never cleared, but we refuse to pay the interest and penalties. And we have demanded that the reports to credit reporting agencies be rescinded. We have asked to speak with a supervisor, but this request has been denied. We will gladly pay the original remaining balance, but not the added interest and penalty. We have now asked that all calls cease immediately, but they have called twice today already. One agent did offer to remove {$39.00} fee, but no more.
Consumer complaint received 2016-06-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

SPS I am requesting a complete breakdown of all fees and cost and any forced policy - A complete transaction history. 

Again SPS is not clear XXXX - SPS there were no options to deal with XXXX? 
I will have transaction history checked by a professional once received. Again SPS originally told me over the phone it was over by more than XXXX dollars and would not confirm amount with XXXX. However it is now being confirmed the amount was only XXXX - appears some game is going on at SPS. If SPS really wanted to assist me in keeping my home - an option would have been presented. 

SPS wrote : Denial of XXXX In your inquiry you state the amount to reinstate your account was below the XXXX amount of {$100000.00} when SPS denied you for the assistance. At the time the account was reviewed for XXXX the amount to reinstate the account was {$100000.00}. 

SPS received the assistance request regarding a principal reduction recast program from XXXX on XXXX XXXX, XXXX. The purpose of the XXXX recast assistance is to have funds applied to the principal balance of the account, resulting in a lowered monthly payment. Because the account exceeded the program allowable assistance, SPS is unable to proceed. The total amount is broken down as follows : Past due payments XXXX XXXX, XXXX to XXXX XXXX, XXXX {$91000.00} XXXX XXXX, XXXX payment {$3200.00} Loan Level Advances {$1600.00} Escrow Advance {$3900.00} Reinstatement Amount {$100000.00} I wrote : The income does not appear to be the challenge regarding modification option XXXX Tier XXXX. Appears SPS focus is on the EQUITY in my home. My family has stated indirectly and directly to SPS they can assist me finantially. No matter what my income is SPS will not assist because of Equity as was told to me today by XXXX and SPS representative - SPS just say that instead of making up income that I never gave you at no time. 

SPS is conveniently over by XXXX - to not except XXXX SPS seems surprised that after SPS denied assisting me XXXX approved me SPS told me to allow them to assist first and then SPS can receive additional funds from XXXX However XXXX confirmed yes a dual-program does exist however SPS should have not told you that as SPS is not signed up for that program at the moment- SPS can however currently they are not. 
SPS representative told me on the same day - SPS is concerned if they except XXXX funds I would not be able to make my payments. 
SPS statement do not show a breakdown of amount due I believe on purpose - when XXXX XXXX XXXX transferred the loan my statements had a breakdown of fees in XXXX. 

If SPS states its because of the bankruptcy - SPS should stop reporting to all XXXX credit bureaus every month impacting my credit. 

SPS statements originally had a breakdown - and then nothing. I have no way of tracking alleged total due. 

Also I requested the investor ADDRESS - not SPS address the alleged servicer - whom appear to have more involvement that disclosing.
Consumer complaint received 2018-01-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

multiple issues- cant close, company forced close w XXXX funds coming in, refuses to purge system, refused to update drivers licences correctly, refused me a credit line, etc. 

This compnay is nothing but a con artist and I dont want thier business. I ve told them 4x now to stop sending me XXXX. They dont care. I have asked for policy termination. Didnt happen. I asked for over 1200 be sent to me repeatedly via wire. Didnt happen. I am not and nevermore will be a customer. I reccommend no veteran do business with them. choose XXXX XXXX or XXXX XXXX etc. I was just sent an atm card. AS IF.
Consumer complaint received 2015-05-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (IL)

My home will be taken away come XXXX XXXX 2015 by XXXX. I have n't tried to save it for I lost hope! I have not replied to the banks for which I did n't care anymore. The home I reside in has been a family home which was left to me and I worked on it to make a better place until 3 years ago when family was complaining how I inherited the home and they got nothing. They disowned me as a family member, which was hard for me because family was everything to me!! I was trying to move on then the following year my house had been broken into several time for the past year. Found out it was a family member and his friends who were on drugs and stole to supply their habit. Last time he did it parents told me to turn him in as I did and he was sent away and has recovered but how difficult it was me to be the XXXX to do it. I was so low in life that I was hating my home more than ever. Then last year I was waking up from the dark and ready to get help for my home. As I was set to start I had lost my job. I did walk straight into a new job however it was just minimum wage. I love my new job and I 'm a hard worker, my boss will give me a great review if this were to go any further. I had a raise and have great opportunity for commission as well. I have belief that I can do this now if I could be given this chance.
Consumer complaint received 2017-02-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (CA)

I attempted to refinance with Quicken Loans, after 4 months my application seem to be stalled somewhere within the company. 

After a lot of fighting, I am presented with a redisclosure packet that has terms that are not even remotely close to the terms originally offered - points added, lender credits removed, closing costs not paid by lender - despite having perfect XXXX credit, more than 60 % equity in my home, and {$250000.00} in annual income backing a $ XXXX loan. 

I believe they are in violation of 12 CFR 202.9 of the ECOA, due to not notifying me of an adverse action for 30 days, along with various portions of TRID, due to removing lender credits without giving a specific reason.
Consumer complaint received 2016-04-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ORG GC GP BUYER, LLC (DE)

GC Services limited partnership continued to mail me to collect a debt claimed by XXXX. I provided them with documentation from my credit card bank which refund my money and a statement of my new TV provider, XXXX stating the date of my new service which conflict XXXX claim. However, the GC keeps contacting me regarding this issue
Consumer complaint received 2017-01-20
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: American Financial Resources, Inc. (WA)

I have a home equity loan with American Financial Resources ( aka eLend.com ), serviced by XXXX XXXX. My loan allows additional principal payments. However, submitting additional principal payments proved to be quite difficult. On a number of occasions, XXXX applied my payment intended as additional principal, to the next month regular monthly payment instead ( which obviously defeats the purpose of making an additional principal payment ). Each time I reached out to them to request a correction, using their web site ( XXXX ) and/or the customer service line ( XXXX ), and each time I had to make one or more follow up calls before correction was made. What 's worse, at least on two occasions the correction was made in a way that made the payment history section on their website for my account very difficult to understand, and on one occasion my account was about {$900.00} short. 
While those errors eventually got corrected, I am in a similar situation once again. On XXXX/XXXX/2017 I made a payment that was intended as additional principal payment. XXXX applied it as my XXXX payment. On XXXX I reached out via their website and requested a correction. Their website said someone will respond in 5 business days. On XXXX there was still no response, so I called their customer service line. I was told the correction will be done within 8 days. Yesterday XXXX - still no correction, I called the customer service line again. Same thing - no explanation why it was n't done in 15 days, and they ask me to give it another 3 business days. This is obviously unreasonable, and amounts to denying me a possibility of making additional principal payments.
Consumer complaint received 2017-02-15
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ZWICKER & ASSOCIATES (FL)

I have been making monthly payments since XXXX/XXXX/2015 to a debt collector for a debt I incurred on a Credit Card. I misunderstood that at the end of each year I had to contact them to arraign payments for the next year. I noticed that they were not drafting payments any longer and had not contacted me and I received in the mail a letter from a Attorney and a copy of a Case Inquiry the collector file in Court so I contacted the original Debtor ( XXXX ), they in turn referred me to the debt collector. I spoke with the collector and ask why they had not called me. They said they tried on many occasions and got no reply, The number they had on file was NOT my number and i ask where they got that number, their response was " I do n't know ''. Now because they have filed the Case Inquiry they are unwilling to resolve this in a reasonably manner. My only option from here is to file bankruptcy.
Consumer complaint received 2016-03-24
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Affiliated Creditors, Inc. (TN)

I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation. I believe this to be a HIPPA violation because at no time have I given any of my medical providers permission to share any of my information with anyone
Consumer complaint received 2017-01-18
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

My mortgage company has escalated my file to foreclosure when I was told that it was in review for the last 4 months. Also, my home was involved in a fire loss and my mortgage company is also holding the monies for the repairs while they escalated my file to foreclosure.
Consumer complaint received 2016-03-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (KY)

My mortgage was originally with XXXX and was eventually taken over by XXXX XXXX XXXX. XXXX XXXX XXXX would allow me to cancel my PMI and not charge me for an appraisal when the loan to value qualified to remove the PMI. Nationstar bought my mortgage without my approval and they are requiring I may {$450.00} for an appraisal to remove the PMI. I think this is a racket and should be illegal to change the terms of the servicing of my loan!
Consumer complaint received 2015-11-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CO)

I knew this month we were going to be late in our payment to Nationstar Mortgage. I went into their site as an active account and called the support lines they provided. Each different phone number posted directed me to to answer a brief survey which they promoted products XXXX. If I chose not to accept my free vacation I landed back at that question. I could not email them and I could not get to them. They have been harrassing me for months to redo my loan at XXXX % interest rate instead of current XXXX % like other banks. I have refused as their methods are an insult to anyone of intelligence. finally, today, after my wife getting her SSI payment I tried to go online to make my payment. The door is locked I am now in collections. This company is out of control. I did just for grins send an email via " support '' asking them if I could pay the house payment with a credit card-no answer other than I can call XXXX the XXXX numbers demonstrated above.
Consumer complaint received 2015-11-12
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Rocket Mortgage, LLC (IL)

Lender ( Quicken Loans ) did not respond to inquiries leading up to a clear to close date, and only asked if we intended to go forward with the loan the evening prior to the clear to close date. We had supplied them with an engineering report that clearly stated there was nothing that should prohibit occupying the home, and no reason to forestall closing on the loan. 
Lender came back with an onerous demand for XXXX % of contractor bid to complete work. 
We were under severe duress and faced losing the home if we did not comply. Escrow was being held for the purpose of a foundation issue suggested by their appraiser, and not mentioned in our home inspection. Since we did not own the home at the time, and it was being sold as is, the former homeowner was under no obligation to grant adequate access for a thorough evaluation by the engineering firm and the contractor. 
Following the thorough evaluation, the engineer concluded that a front porch slab be replaced and that there was no need to do any foundation repair. Quicken continues to hold our escrow, failed to provide the name of the supervisor of XXXX XXXX, who supplied an abusive and inadequate response to our requests for the funds. Further, we have put in a request for a check to be paid to a contractor so work can begin, and that request has been ignored, even though we proceeded as stipulated. 
Quicken 's failure to provide us with sufficient time to seek alternative funding has cost us tens of thousands of dollars. The inconsiderate manner that they conduct business is shameful if not bordering on criminal.