davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-27
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Residential Bancorp (FL)

We attempted to buy a home underneath the minimum timeframe from foreclosure in order to qualify for a conventional XXXX loan. We had been renting for over 2 years and finally had the reserves to try to become homeowners again. We learned of the possibility of a private investor option due to our high income, exceptional credit score, and available cash. We attempted to go this route with dire consequences. 
The details of the case follow below in format of the letter written to the company on the day of the 4th and final scheduled closing. We contend that displeasure with this letter led to a final denial of the loan. This was a disastrous event for our family, as we had no home to live in for over 2 weeks while also being saddled with excess and unexpected moving and storage expenses. It was traumatic and unnecessary. Upon reflection of the situation and wondering how the loan could have been denied with such speed ( finally ) on that very day, I realized that my gmail account contains a photo, which would have shown up with the email. I am an XXXX, my husband an XXXX and we have XXXX. Implicit bias is a real problem in America. This kind of racism is worse than the display of derogatory words as graffiti in a neighborhood. 
Whether or not this is found to be racially motivated, it is definitely unethical at best. 
We wish to call attention to this private & unregulated money industry that is beginning to invade a real estate market still vulnerable from the wounds suffered by the regulated mortgage industry. This company overpromised and when signs of incompetence began to surface and questions begin to be raised, they under delivered, using the excuse of **loan conditions apply. There has to be a limit to when these companies can pull the rug out from underneath American families. This was not a business deal gone wrong, it was the livelihood of XXXX adults and XXXX
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc. (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2022-02-14
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (WA)

I opened an accelerated savings account at Citibank last summer. On XX/XX/XXXX Citi, without my knowledge and approval, withdrew all my principal and earned interest ( 0.5 % yearly ) and kept it all to itself ignoring my requests which started in early XX/XX/XXXX when I read my monthly statement and noticed this withdrawal. Finally, following CFPB inquires at my request, Citi used XXXX XXXX XXXX XXXX  on XX/XX/XXXX to send a check to me for the amount they withdrew on XX/XX/XXXX, ignoring the fact that they owe interest to me from that date ( XX/XX/XXXX ) to the date they decided to mail the money back to me ( XX/XX/XXXX ). It is a shame that a national bank such as Citi plays these little tricks on people trying to save relatively small amounts with them. They know very well they needed to return the money and delayed the return until I found the support of the CFPB and only after the CFPB asked them. Citi knows very well who I am because for years I have used one of their credit card as my primary one and never I have had any problems with my ID, payments and credit union account that I also use to open and feed the infamous Citi savings account I opened with them last summer. It was a series of mistakes Citi employees made that caused this problem and I, the client, paid the consequences so far. I would appreciate your help to get what is mine, the interest ( 0.5 % yearly ) not paid by Citi while they kept my money from XX/XX/XXXX to XX/XX/XXXX. Thank you.
Consumer complaint received 2016-03-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: FIRST ADVANTAGE CORPORATION (OH)

First Advantage XXXX XXXX XXXX XXXX undertaken in the course of a job application. 

Public record states " guilty '' disposition for a charge that was amended from " XXXX '' to " XXXX. '' Nonetheless, the criminal file search listed above simply states " guilty '' and " XXXX. '' In short, this is misleading, and makes no mention whatsoever of the fact that the charge itself was amended. A potential employer could only read this to say that I was found guilty of XXXX -- which is simply not true. An important distinction, especially when under the scrutiny of a job application.
Consumer complaint received 2024-03-19
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BTH Management (GA)

Plaza services llc in XXXX ga was apparently hired to collect a person outstanding loan. They called my husband and told him I owed XXXX and I needed to call them. He was not On the account and this is against the law
Consumer complaint received 2016-10-11
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (NY)

On XX/XX/2016 I sent a Western Union Quick Collect billpayment to XXXX XXXX XXXX for {$4900.00}. It was never received and posted to my XXXX XXXX XXXX HELOC account.
Consumer complaint received 2015-05-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credence Resource Management, LLC (HI)

Credence Resource Management attempted to contact me via telephone and mail. Invoice states that a debt originating from XXXX XXXX under my name was owing. I currently have a XXXX account and contacted XXXX to verify the debt. They have NO record of any debt under my name/SSN/Telephone/Address. I attempted a certified, return receipt letter to Credence Resource Management as directed in the letter to decline ownership of the debt and to request documentation from the originator of the debt. I followed the tracking number and the address given by CRM does not exist ( XXXX XXXX XXXX, XXXX XXXX, XXXX, GA ) under Credence 's business name. I sent and email to file a complaint and request verification of the debt on XXXX XXXX, XXXX I still have not received an answer. I question the legitimacy of this debt and this companies operating tactics.
Consumer complaint received 2016-03-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Dynamic Recovery Solutions, LLC (TX)

Dynamic Recover Solutions is frequently calling my phone from different phone numbers, they do not disclose they are a debt collector. They ask for me by name, then ask my address, my date of birth. They reply with there name when I ask where they are calling from. I have sent a written dispute notifying them the debt they are attempting to collect has been paid off to another debt collector last year and my credit report is currently reporting that information.
Consumer complaint received 2016-07-29
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TCF NATIONAL BANK (IL)

I was charged {$200.00} in overdraft fees illegally. I have attached copies of the banks check cashing policy where the first {$250.00} of each check is available the same business day as long as it is deposited before XXXX. I deposited this in the time outlined in the policy and am being charged for XXXX completed transactions based on this incorrect use of overdraft fees.
Consumer complaint received 2015-08-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TCF NATIONAL BANK (IL)

XXXX/XXXX/2015 - account balance - $ XXXX/XXXX/2015 - NSF Fee ( {$37.00} ) -- why? unknownXXXX/XXXX/2015 - spoke with CSR who told me that the computer system on XXXX had my balance as - $ XXXXXXXXwhy my online view is different than the CSR online view -- unknown and not goodXXXX/XXXX/2015 - balance had not gone negative and yet NSF Fee ( {$37.00} ) -- why? unknownit would appear that they are keeping XXXX different sets of " books '' for posted transactions -- XXXX that I have online access to view and another XXXX that the NSF Fee goes byit is quite impossible for me to ever possibly prevent NSF Fees if I do not what is truly going on with my account and its balanceit seems to me that this amounts to a lie and probably fraudulent activity
Consumer complaint received 2016-03-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (FL)

A collection was initiated for an emergency room bill from XXXX XXXX XXXX XXXX in XXXX XXXX, Florida that occurred in XXXX XXXX. The billing should have been for my daughter XXXX XXXX who was not my dependent at the time and not living in my home. I have never received a bill for the debt. XXXX XXXX XXXX XXXX billed me by assigning my social to my daughters name XXXX is XXXX/XXXX/XXXX and last XXXX of social is XXXX. My name is XXXX XXXX and DOB XXXX/XXXX/XXXX. This has shown up on my XXXX credit report for the last 3 years and been cleared by disputing it. Now XXXX says that they have checked with Commonwealth financial systems and it is my debt. 
I called on XXXX/XXXX/XXXX and spoke with XXXX at Commonwealth and he assured me that the situation would be rectified. As of XXXX the dispute says that Commonwealth Financial Systems confirmed it is my debt. I did speak with XXXX XXXX at Commonwealth who wanted me to send copies of my social security card and drivers license to them to verify. I will not give out my information to them as they are the ones that made the error and I am concerned about them breeching my privacy again
Consumer complaint received 2016-02-23
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: WELLS FARGO & COMPANY (WI)

WELLS FARGO : My husband and I just sent letters requesting reduced monthly payments based on our income, and provided financial documentation to prove that we are struggling to make the payments. This is the second attempt that we made to work with Wells Fargo to reduce our monthly payments. Both times, their response was that the combined income of our co-signers and our own income is too high to reduce our payments. My mother, one of our co-signers, has already been paying portions of our loans to Wells Fargo, and this is documented in our file. All of our co-signers are retired, and on fixed monthly incomes.
Consumer complaint received 2015-11-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (AZ)

Specialized Loan Services ( SLS ) refuses to provide me monthly statements of my account. After two years of contacting their Customer Care XXXX number, no one has provided me answers to the various questions I have regarding my account. Calling their Customer Care is meaningless as no one assists you ( see examples attached ). Due to SLS 's mismanagement of my account, my attorney wrote to SLS ( see attached correspondence and note it was also per the request of SLS in their letter dated XXXX/XXXX/15 also attached ) that they remove my escrow account and I be responsible for payment of taxes and insurance. However, per the attached letter from SLS on XXXX/XXXX/15, they refuse to comply with the request. Per my records, as of XXXX/XXXX/2015 my Escrow Account had a positive balance of {$330.00}. The past due amount was brought current as of XXXX/XXXX/2015 per the Trustee 's notification. I will not pay an increase in monthly payment until someone from SLS or XXXX XXXX does a complete review of my payment history with me via telephone or in person at a local office ( if local office is even an option ).
Consumer complaint received 2015-10-12
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO. (PA)

I recently paid down all of my Chase credit cards to improve my credit score by lowering my utilization rate on my available credit. Two days after I made the payments to bring my utilization down below 30 %, Chase lowered my available credit from {$25000.00} to {$2500.00} thus making my balance at 100 % of credit and creating virtually no availability. This also would have seriously damaged my credit score.
Consumer complaint received 2020-10-19
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Went to close my account with Bank of America on XX/XX/19 @ XXXX. Bank official was busy so I requested a check for the full amount. Was advised it would not close the account. Amount was above the teller limit and was told it would be escalated. During the next hour, I was asked why I wanted to close the account. I said I hated Bank of America and had opened an account with XXXX XXXX down the street. They said the account had not been opened very long. I explained that my primary residence is in MA and Bank of America was the only bank that was in both locations. I have had a checking account with Bank of America for over 20 years as well. Bank teller  said she was waiting to here from a particular dept before she could proceed. I received a call from an unknown number and didnt answer it. I checked my online account and saw a XXXX  balance in my account. I went to the teller thinking she had my check but found out there was a hold on my account and the only person that could resolve it was a XXXX XXXX who had just tried to call me. I tried calling 25 times and left several messages. After waiting for a total of 4.5 hours, I was told the bank was closing and I would not be getting my money and that XXXX would call me after XXXX. He never called and I never received an explanation as to why my account was out on hold
Consumer complaint received 2015-06-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NJ)

I paid off my 2012 XXXX XXXX with XXXX XXXX. I did a Bank Transfer to XXXX the same way a paid my payments each Month. The money was deposited into their account on XXXX XXXX. They will not send me the Title to my car until XXXX. I gave them my XXXX number to overnight my Title and they refuse. They are paid in full. I want my Title. I sold the car and the buyer is really mad! He wants the car.
Consumer complaint received 2017-01-24
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (NV)

Navient has been collecting money from me for 8 years now and I do n't know why they wo n't help me. 1 ) I never opened these loans 2 ) I 've been paying them and when I do n't have the money to pay or when I call and tell them that I ca n't afford the payments they tell me there 's nothing for them to do about it. They have no options for me.
Consumer complaint received 2015-05-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (LA)

I have been fighting a fraudulent mortgage situation for over 4 years now. Original lender claims to have sold the loan in XX/XX/XXXX. Caliber Home Loans claims to be the new servicer. Servicing transfer took place in XX/XX/XXXX. Caliber began sending me monthly statements in XX/XX/XXXX. Prior to the loan being sold, original lender filed a foreclosure action against me, which I contested and it is now sitting dead in the courts. Caliber has taken NO legal action regarding this account, and I have confirmed this by speaking with Caliber 's claimed attorney and also by checking routinely with my court clerk 's office. In other words, the " foreclosure '' status of this account has always been the same since before Caliber began contacting me. I have many disputes with Caliber, but Caliber has either ignored my disputes completely or has responded by answering questions that I have never asked. 
Caliber stopped sending me monthly statements after XX/XX/XXXX, and when I have asked about this, Caliber states to me that they can not send me a statement because they claim to be actively foreclosing on me. Again, I have spoken to Caliber 's own attorney, and have confirmed that Caliber has not taken ANY action against me whatsoever. I mentioned Regulation Z to Caliber, and how it requires them to provide monthly statements regardless of foreclosure status, because foreclosure status is not listed in the law as an exemption. The loan is a conventional loan, so the statute applies. I have not filed bankruptcy, and Caliber is not a small mortgage servicer under the law 's definition. Caliber refuses to provide me with monthly statements. I did just receive an " informational statement '' which appears to be what is provided when the consumer has filed bankruptcy, but again, we have not filed BK. This statement does not include much of the information that Regulation Z requires servicers to report to the consumer on periodic statements. I called Caliber today to ask about this, and was told that the statement was generated due to a payment that was made on the account. I did not make the payment they are claiming. I am concerned about the lack of monthly statements because Caliber has shown a pattern of adding fees and charges to this loan that are not legal, and without the monthly statements, I can not keep track of what is happening on that front. Caliber also has a history with me of changing their story on a constant basis, so that information provided today contradicts Caliber 's own earlier provided info. 

I am in the process of trying to resolve several other disputes with Caliber, but at this time, I am only disputing the issue of the monthly statements here with the CFPB. Caliber is required to provide this documentation to me in accordance with Regulation Z, as amended in XX/XX/XXXX, and is refusing to do so.
Consumer complaint received 2016-12-28
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: DFC Global Corp. (FL)

Hello, I filed a complaint against Money Mart for a fraudulent inquiry on my credit report. Money Mart replied stating I came into their organization on XXXX XXXX, 2016. They indicated I applied and did not receive a loan. I am asking the organization to pull their video on that date and to provide a copy of my license in which they should have if I came in to apply. I am also asking company to provide the phone number on my credit report and match against their application because they should have seen a fraud alert on my credit report in which they have the credit inquiry listed on and the phone should have been called and verification implemented. I have never been to this organization, nor did I know of this organization existed until viewing the inquiry on my credit report. I have never been to Money Mart and have no clue where this place is. Again, I am asking for the removal of this fraudulent inquiry as I never applied for anything with this organization
Consumer complaint received 2015-04-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Bureau of America Ltd. (CA)

I have tried many times to have this company remove me from their list. Apparently they are a collection company and I have told them I am not the person they are trying to reach and requested they remove me from their list. A few times the representative on the other end will say ok I will have you removed. More often than not, however, the person on the other end will just hang up on me since I am not the person they intended to reach. 

For example. this morning I missed a call from them. I returned the call to the number in my caller ID, someone on the other end answered and I told them I was returning the call because I missed it. The representative then asked did someone talk to you. I stated no no one talked to me ; I just missed the call and returned the called to the number in my caller ID. The representative then hung up on me. So, I called back. This time I got the name of the representative, XXXX. I asked XXXX for a Manager. She asked if I was the person they were calling for ( but she asked me using that persons name ) and I said no. I gave her my name. I asked again for the Manager. She then wanted me to give her my phone number. I told her she has my number, I just want to speak to a Manager. I informed her that I have spoken to many representatives and been hung up on by many representatives about them harassing me and I 'm tired of it. I want to only speak with a Manager. She offered to transfer me to a Manager 's voice mail. I told her I wanted to speak to a Manager because I wanted the matter addressed and resolved right away. 

We went back and forth for a bit until finally she hung up on me and I never got to speak to a Manager nor did I get transferred to a Manager 's voice mail.
Consumer complaint received 2015-09-24
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (DE)

Received yesterday in the mail XXXX separate statements for my Macys American Express card that I have held since XX/XX/XXXX. I have autopay setup for this card and have been making regular payments on it but I was completely unaware that when you make an IN STORE purchase at Macys with this same Amex card with the Macys logo your purchases get charged to a separate credit account with separate billing, credit terms and due dates. Until yesterday I had never received this separate statement for a {$32.00} purchase made XX/XX/XXXX. The late fees that they are charging me are $ XXXX/month for 3 months and after several phone calls they are unwilling to waive. I am good customer and have in good faith been making payments on my MACYs Amex card which I assumed was where my in store purchase was charged to. I feel that by separating the " In Store '' vs " Out of Store '' on to XXXX XXXX separate credit accounts is deceptive and misleading. I never meant to not make a payment for my XX/XX/XXXX in store purchase I thought I was paying properly on my XXXX card account. Customer service is claiming that since the separate Macys statements did not get returned to them in the mail that I received them and should be aware of the XXXX separate bills. I rarely use this card this was probably my first in store purchase in over a year but I have been a good customer since XX/XX/XXXX and feel very wronged and that Macys was very unsympathetic and unwilling to work with me.