davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

Subject : Complaint Against Citibank for Mishandling Fraud Claim I am writing to file a formal complaint against Citibank regarding their mishandling of a fraud claim and the subsequent mistreatment I experienced. On XX/XX/year>, {$28000.00} was fraudulently wired from my Citibank account. Despite promptly reporting the unauthorized transaction and providing all necessary documentation and details of the scam, Citibank denied my claim twice. 

Throughout this ordeal, I have been mistreated by offshore representatives in the XXXX. On XX/XX/XXXX, at XXXX XXXX PST, I called for assistance, but their system was down. Despite the urgency of the situation, they refused to provide assistance and requested that I try calling the next day. This was at a critical time when all my money was being stolen. 

No one from Citibank made an effort to collect information about how the fraudster accessed my account. Additionally, a {$25.00} fee was posted to my account without explanation. There has been no history of me ever making wire transactions, yet there were no protection measures in place to block this illegal manipulation of my account. 

Once again, when I contacted the fraud department, they failed to act immediately because of the offshore system failure. Had they responded to my call right away, the fraudulent wire transfer could have been stopped. Despite my prompt reporting and provision of evidence, Citibank has unfairly blamed me for the fraudulent activity. The lack of immediate response and appropriate security measures on Citibank 's part has caused significant financial and emotional distress. 

I am seeking the CFPB 's assistance in this matter to ensure that Citibank reconsiders my case and acknowledges that I was a victim of sophisticated fraud. I believe that Citibank should take responsibility for their failure to protect my account and provide a fair resolution.
Consumer complaint received 2024-05-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Fairway Independent Mortgage Corporation (MO)

I am writing to formally lodge a complaint against XXXX XXXX XXXX, XXXX ID : XXXX, who represents Fairway Independent Mortgage Corporation, regarding unprofessional and misleading conduct during my recent mortgage loan application process. 

Details of the Incident : Misleading Claim : XXXX XXXX initially assured me that there would be no 1 % origination fee for an XXXX loan. However, after consulting with his superiors, he did not inform me that the fee would not be waived. Instead, I discovered this fee through the loan disclosures. 
Lack of Communication : XXXX XXXX failed to contact me regarding the 1 % origination fee decision by his superiors and proceeded with the loan process without my consent. 
Unprofessional Behavior : Upon discussing the origination fee with XXXX XXXX, he became upset and defensive, suggesting that I would regret leaving him if I chose another lender. 
Hostility Towards Shopping Around : XXXX XXXX expressed frustration and stated that he is done working with clients who shop around, indicating a lack of professionalism and customer service. 
Credit Card Charges : After indicating my intention not to proceed with him, XXXX XXXX insisted on charging my credit card for a credit check and safety inspection upfront. He repeatedly insisted that I provide my credit card information, despite my refusal. He stated he would charge me at the time of the inspection and credit check, which had not yet occurred. 
Persistence Despite Refusal : When I disagreed and indicated multiple times that I was not interested in continuing business with him, XXXX XXXX persistently refused to take no for an answer, continuing to press the issue and raise his voice. He ultimately said that he was happy I was firing him so that he did not have to fire me, in a sarcastic and unprofessional manner. 
Summary of Issues : Misleading and inaccurate information regarding loan fees. 
Failure to communicate changes in loan terms. 
Unprofessional and hostile behavior towards clients. 
Attempts to charge fees without consent. 
Persistent and unwelcome behavior after refusal to continue business. 
I request that your office investigate this matter and take appropriate action to address my concerns. Additionally, I would appreciate a written response outlining the steps that will be taken to resolve this issue. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AVANTE (NY)

I have received many, many calls from avante usa at XXXX. They are looking for a long lost relative that I do not have contact with. When I answer the phone they hang up. I want them to stop calling me because I do not know them or have anything to do with the person they are looking for.
Consumer complaint received 2024-05-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc. (AL)

I was approved for a XXXX due to XXXX in 2021. During this time, I was also XXXX from my job and XXXX XXXX XXXX XXXX XXXX. I applied for Unemployment and was denied. I appealed the denial & the hearing just happened this month ( XXXX years later ), and the final decision is still pending! In 2022, I contacted my mortgage company and explained my situation. I was approved for an extension on the XXXX. But, I still ended up having to file XXXX due to XXXX XXXX and the inability to pay any of my bills! XXXX XXXX XXXX XXXX reviewed my application, and stated my mortgage would have to be behind {$50000.00} or less and they could help me stop the XXXX/ I contacted Mr Cooper to see if they could accept the full amount from XXXX XXXX XXXX XXXX, and allow me to modify the difference. A supervisor at Mr Cooper said " No. The full amount past due would have to be paid to prevent the XXXX. '' Reviewing the added on fees for Mr Cooper 's attorneys and inspections, etc. - none of which I had been made aware of, I went to Legal Aid for assistance. I was told by an attorney there, that XXXX should have protected me from any of there additional fees and my mortgage should have been reaffirmed once the XXXX was XXXX. Neither were done. Mr Cooper kept assigning my loan for a modification to a XXXX, male named XXXX XXXX. He was VERY RUDE! My husband asked him to explain the math on what was owed, what they were requesting the interest rate and monthly payments to go up to? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My husband refused to sign the papers ( and he is on the deed ). He said this was clearly predatory lending, and if we knew beforehand that the XXXX XXXX would have left us in this type of situation, we would not have even done it! 

Today, I received another call from Mr Cooper to see if I had received the new modification papers ( still with a higher interest rate, now a XXXX year term, and higher monthly payments ). The guy said they needed to be signed, notarized, and returned by XX/XX/XXXX or the XXXX  continues. I asked about the XXXX  Payment Supplement and he stated " They have not been made aware of any type of new XXXX program or assistance. As a result, I need to sign the modification papers I received to prevent it from being denied the next time. '' I asked him about my mortgage being reaffirmed with my XXXX and he told me to contact my attorney. I did ... and I also researched more information on the XXXX  Payment Supplement and I would qualify for this assistance, and this would give me time to get my mortage caught up! Mr Cooper is refusing to assist me.
Consumer complaint received 2024-05-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SERVICEMAC, LLC (MA)

I dont have all the specific dates but this specific complaint is about accessing the website. Every time I try to login, the website says that my password is not recognized. Then I have to reset the password which has been approximately XXXX times. Recently, I had to reset my password and the temporary password they sent did not work. I tried again and it failed. I cant even access my account online to do anything. I have emailed them multiple times and explained to them on the phone about their website but its not getting anywhere as they have yet to resolve the issue. I have read online that many other people are having the same issue and cant access their accounts.
Consumer complaint received 2024-05-30
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (FL)

I am writing to file a formal complaint against HUNTER WARFILED for engaging in debt collection activities within my state without being registered. I believe their actions are in violation of the laws and regulations governing debt collection practices. As a resident of FLORIDA, I recently became aware of the activities conducted by HUNTER WARFIELD. Upon investigating further, I discovered that they are not registered or licensed to collect debts within my state. This raises serious concerns about the legality and legitimacy of their operations. According to the laws governing debt collection in our state, all debt collectors must be duly registered with the appropriate regulatory authority before engaging in any debt collection activities. This requirement exists to protect consumers like myself from unfair and deceptive practices that may occur during the collection process.In addtition i have never received form of communication regarding the dipute of this debt. 
please provide me with these following -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature - proof that I received your initial 30 days notice to dispute this debt.
Consumer complaint received 2024-05-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Portfolio Recovery placed an inaccurate and unverifiable collection on my 3B credit report.

Moreover, the original lender, agency name, status and comment section is inaccurate and inconsistent between XXXX, XXXX and XXXX. 

Lastly, Portfolio Recovery Associates indicated to XXXX that they were the original lender. I have never borrowed or done any business with this company before.

This insertion does not follow XXXX compliance.
Consumer complaint received 2023-04-11
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

Carrington mortgage is refusing to provide me with a payoff letter. Ive followed all of their instructions and they keep lying as to why I cant get this letter. First lie. they said application letter wasnt received. Second lie was I didnt sign it and the 3rd lie was that my email address wasnt associated with the account. This is my fathers house. He passed away last XXXX. Weve been dealing with probate. Carrington was advised every step of the way on progress etc. now it seems their refusal to provide this letter in a timely fashion leads me to believe theyre trying to sell the house from under me.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Date Opened XX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2024-05-30
Product: Credit 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: TD BANK US HOLDING COMPANY (NJ)

This issue has been unresolved since XX/XX/XXXX. I purchased a blouse form online merchant, XXXX XXXX XXXX. I returned the item through the merchant 's designated third party vendor, XXXX XXXX in accordance with the merchant 's return policy. Happy Returns made a mistake on the return information and the merchant could not verify the item was returned. I filed a claim with my credit card issuer, TD Bank , N.A . Disputes and Claims while I attempted to resolve the matter with the merchant. TD Bank denied the claim ( XXXX Credit Card Dispute Claim ). I was able to obtian written proof from Happy Returns that the item was in fact properly returned. I provided the information to the merchant XXXX XXXX XXXX and they acknowledged via email the item was properly returned and received and that they would credit my account. However, the merchant informed me that a chargeback was submitted against the order by TD Bank and once initiated, we no longer have the ability to process a refund in our system until it is resolved by the bank itself. '' The merchant recommended reaching out to TD Bank to resolve the matter. cf. email dated XX/XX/XXXX, XXXX from : XXXX to : XXXX. and cf. Chargeback Evidence Case Number XXXX. I submitted the supporting documentation to TD Bank and never received a response. It should be noted that the claim and substanting was reviewed by my Local TD Bank Branch ( XXXX. XXXX XXXX, NJ ) and they assisted me in submitting the orignal claim and subsequent appeal via their fax machine to TD Bank Disputes. 

I am requesting a reconsideration of the subject Credit Card dispute claim filed on XX/XX/XXXX for {$84.00}. 

I am provided the following details in support of the claim dispute : Per the merchants instructions, I utilized Happy Returns to process the return of merchandise. I was subsequently notified by the merchant that the item in question, One Each, XXXX XXXX XXXX was not returned and they requested drop-off confirmation email. 

I obtained proof of drop-off from Happy Returns showing the XXXX XXXX XXXX was accepted for return on XX/XX/XXXX. ( cf. email dated XX/XX/XXXX ; XXXX XXXX  from : XXXX To : XXXX ). 

I have provided proof that the merchandise was returned via Happy Returns per the merchants instructions, and I have provided proof that the merchant acknowledges receipt of the returned merchandise, and the merchant agrees a refund of {$84.00} is due to me. However, as a result of the TD Bank chargeback, the merchant is unable to process the refund.
Consumer complaint received 2024-05-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates LLC placed a collection on my credit reports for {$1800.00}. I disputed this entry and requested proof they legally owned the debt. After some research online, I discovered that I am entitled to this information as noted in the case Green v. Portfolio Recovery Associates LLC. 

This information was never sent so I paid the {$1800.00} under duress because I have a heart condition and the stress of this was causing affecting my blood pressure and causing me additional health problems.
Consumer complaint received 2024-05-30
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I started receiving a letter from Portfolio Recovery Associates , LLC telling me I owned {$18000.00} for purchases done in the store XXXX. I do not recognize the number of the account XXXX. The bother line is who used the credit card put my name and address and I explained to Portfolio Recovery Associates , LLC I don't know anything about this account and asked them to delete my name and address from there. Since 4 year ago, someone stolen my identity and I am still dealing with this. I just want to open a report to searching for help in this critical situation. Thanks
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (CA)

I am rewriting to complaint to XXXX AUTO about the reported unauthorized inquiries and the inaccurate account on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. 

I HAVE MY OWN FUNDING BEFORE I WENT TO THE DEALERSHIP AND THESE DEALERS BELOW WERE NOT AUTHORIZED TO PULL MY CREDIT The FTC report number related with this complaint is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights.
Consumer complaint received 2024-05-30
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: World Omni Financial Corp. (FL)

I communicated with XXXX XXXX XXXX to arrange the pickup of the vehicle, as I observed a violation of the Truth in Lending Act by the dealership based on the agreement. After the vehicle was sold, I received a call from a representative who informed me that if I paid a balance of {$640.00}, the account would be reported on my credit as satisfactory without any delinquent remarks. I disputed this claim, but she assured me it would be the case. However, she subsequently sent a fax stating otherwise. This conversation, which took place on XX/XX/year>, is recorded, and XXXX has the recordings. Despite this, my credit report still shows a charge-off with open balances. I request that this account be removed from my report.
Consumer complaint received 2024-05-30
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WSFS FINANCIAL CORPORATION (NJ)

We purchased our lease from XXXX with a loan from WSFS bank on XX/XX/XXXX. We paid about XXXX in cash and financed XXXX with WSFS bank. Since this time the bank has failed to provide us with proper title, tags, and registration. We were told XX/XX/XXXX to register the vehicle using our old XXXX registration. The bank said that was acceptable. The bank said they never received the title. XXXX stated they sent it. In XXXX we followed up with emails and calls. They stated they were working on it and they would contact us when it was settled. We contacted them XX/XX/XXXX after not getting any information and told there was nothing done on the case. We were then told to contact XXXX for " sticker '' that should have been sent to us. We called XXXX and they nknew nothing about stickers and the bank never contacted them.nMay XXXX we were sent an email sending us to XXXX with copies of POA from XXXX. This is not acceptable per XXXX. We called XXXX again and they stated the bank has to request a duplicate which was never done. The bank has done nothing to rectify this issue. We are paying them for a service and they claim they can't do anything. They are the lien holder of the vehicle.
Consumer complaint received 2023-07-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (VA)

XXXX XXXX XXXX, XXXX has retained CMRE Financial services , Inc to collect a debt of {$780.00} for services rendered. 

This debt was paid last year ( 2022 ) and the payment validation is attached to this case. 
I have tried to relay with proof debt was paid and I continue to get debt collection correspondence.
Consumer complaint received 2024-05-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (FL)

I purchased XXXX XXXX treasury bills. When treasury direct went to pull funds from my Marcus by Goldman Sachs account on XX/XX/XXXX, they were refused by Marcus. Marcus by Goldman Sachs bank never sent me any notifications that my account was frozen.

I then attempted to send funds out of my Marcus by Goldman Sachs saving back to my linked XXXX XXXX checking account, and that too was denied. 

I called Marcus by Goldman Sachs on XX/XX/XXXX and after XXXX hours on the phone, they said they couldnt confirm my identity even though they had my correct phone #, correct last XXXX digits of my SS, and my correct password when calling in. 

Ive read multiple reviews on XXXX and other websites of people that have same complaints about Marcus by Goldman Sachs. If Marcus by Goldman Sachs sees youre taking money out of your account they will freeze it. This is my money in a savings account that I have the right to access anytime. 

What Goldman Sachs is doing to their customers is unscrupulous.
Consumer complaint received 2024-05-30
Product: Credit 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: CITIBANK, N.A. (TX)

Got a Citi Bank card XX/XX/2023 0 % interest. Paid every month. They sent me an offer for a XXXX, 8.99 % interest rate. I accepted. On XX/XX/XXXX I paid the remaining balance on my original card. Paid it before the interest started. the balance I paid was XXXX. This should have ended there. They took the original agreement and made it null and void. they are charging me 21.99 % on part of the balance that should have been paid off in XXXX. I am not happy about them breeching the contract I signed. I need some XXXX assistance in this matter.