davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-05
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Guild Holdings Company (OR)

XXXX/XXXX/14 : We first contacted XXXX XXXX ( XXXX XXXX, XXXX XXXX ) to broker a mortgage on a property we were considering. He quoted an available mortgage rate of 4.625 % but said it changed rapidly and our actual rate would depend on the market when we closed. 

XXXX/XXXX/14 : We identified a XXXX property when the XXXX one fell through. XXXX repeated his statement about rates. Currently 4.625 % but they would change based on the market when we close. Escrow opened. 

XXXX/XXXX/14 : We were scheduled to close in a week but the bank appraisal had not occurred. We were very concerned that that would give the sellers an out. XXXX had locked us into the 4.625 % rate, which he had quoted almost two months before, despite lower prevailing market rates. When asked if the rate could be adjusted since the lock was expiring due to repair issues on the house, XXXX 's response was " No, since it has gone to escrow ''. This was a deliberate attempt to mislead us since escrow had been opened a month earlier. He also claimed we had given him a " verbal '' lock at 4.625 %. We did no such thing. Rate locks must be in writing according to Oregon Revised Statutes and no such document had been signed by us. When pressed on the matter, XXXX said he was going to pull the appraiser ( which would have caused us to lose the house ) and hung up on me. 

XXXX/XXXX/14 : I was compelled to contact XXXX XXXX ( XXXX XXXX ), Branch Manager at XXXX XXXX XXXX re : XXXX 's angry response and threats to pull the appraiser from the site. His response was that he thinks we " have been treated fairly ''. 

XXXX/XXXX/14 : With the choice of either losing the house we love or accepting the terms forced on us by XXXX XXXX, we close on the house. The higher interest rate will cost us more than {$5000.00} over the life of the loan. More to the point, we felt manipulated, lied to and bullied by XXXX XXXX. His behavior was reviewed and supported by his manager, XXXX XXXX. 

COMPLAINT SUMMARY : XXXX XXXX was deliberately not forthcoming with accurate market rate information at his disposal. He locked clients into higher than market rates in order to benefit himself and his company. This is predatory lending. 
XXXX XXXX bullied clients into compliance by threatening to cancel a key process in the buying procedure in order to complete his self-serving transaction. 
XXXX XXXX lied about the loan closing process by claiming a loan has gone to escrow when escrow had been opened for a month. This facilitated his manipulation of the closing process to his benefit. 
Rather than representing the highest industry standards of the home mortgage industry, XXXX XXXX represents the lowest social standards of being a common bully, prevaricator and exploiter. The public needs to be warned about him. 
By endorsing XXXX XXXX 's behavior, XXXX XXXX was at the most culpable in behavior that enriched his firm and at the least negligent in his supervision of a rogue employee.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-03-19
Product: Credit card or prepaid card — Store credit 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. (FL)

I am writing to file a complaint against Citibank for their failure to assist me in disputing a purchase, despite providing sufficient evidence that the item was returned and the package was tampered with. 

On XX/XX/23, I purchased a camera from Best Buy. The camera was delivered to the wrong address, and Best Buy refused to take any action to rectify the situation. I was forced to involve local law enforcement to recover the camera. Once I obtained the camera, I immediately took it to a XXXX store to return it to Best Buy. 

On XX/XX/23, the package went missing the same day I dropped it off at the XXXX XXXX. I filed a missing package claim, and XXXX  finally located the package three weeks later. However, the package was returned to Best Buy empty, without the camera. The weight of the package had changed from 4 pounds to less than 1 pound while in XXXX XXXX possession, indicating tampering.

Despite providing proof that I returned the item to Best Buy, the retailer continues to refuse to accept the return or issue a refund. Consequently, I disputed the charge with Citibank, but they are also refusing to assist me in this matter. 

As a result, I am being charged for a camera I no longer possess, while Best Buy retains both the refused package and the funds from XXXX XXXX insurance claim. This situation has caused me significant financial loss and distress.

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Citibank for their failure to assist me in resolving this dispute, as required by the Fair Credit Billing Act.

Please find enclosed supporting documentation, including a copy of the purchase receipt, proof of the camera 's return, XXXX XXXX package tracking information, and correspondence with Best Buy and Citibank. 

I appreciate your attention to this matter and look forward to a prompt resolution.
Consumer complaint received 2017-02-10
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Receivables Management Partners, LLC (MI)

On XXXX XXXX, XXXX I was contacted by Allied Collection Service regarding a debt with no explanation of what it was for so I disputed the debt right away through certified mail. It is my belief that they never notified the credit bureau 's of my dispute. On XXXX XXXX, XXXX Allied BUSINESS ServiceS contacted me again claiming to validate the debt. Allied COLLECTION GROUP waited until XXXX to report the account to the XXXX major credit bureaus. Upon learning of their false and erroneous reporting I disputed the debt directly with XXXX on XXXX XXXX, XXXX. After waiting 16 days I decided to call and let them know of my intention to sue for violations of the FDCPA, the FCRA and my legally protected interests. That day, XXXX XXXX, XXXX they removed their false and erroneous report. On XXXX XXXX, XXXX Allied Business Services sent me a letter stating they had removed all negative marks on my credit report. On or about XXXX XXXX, XXXX I had applied for a car refinance and was given a higher percentage rate due to their negligence. This has caused me much harm in the form of emotional distress, defamation of character and among other things. They also violated the FCRA and the FDCPA many times over including using XXXX different business names to deceive me.
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I ordered a XXXX XXXX through XXXX  on XXXX XXXX XXXX  and a XXXX XXXX case I canceled the order within a few days after ordering and was not told by XXXX XXXX who was the financing company ( 2 years no interest ) that they added a XXXX credit to the account for going through them for financing. Even though I never received the phone and canceled the order they kept billing me for this XXXX credit. I was unaware of this as my XXXX account showed a XXXX balance. Finally, after many calls to a XXXX XXXX customer service rep I was informed that this credit was simply a matter of me telling them to release credit back to them? Due to this unorthodox scheme between XXXX and XXXX XXXX and the fact that they reported this as a missed payment my credit rating dropped by over 65 points. This scam by XXXX XXXX needs to be stopped and any credit that they give the customer on a cancelled order should automatically by removed from the account Please help I have worked very hard to keep my credit rating up in the excellent score range Sincerely XXXX XXXX
Consumer complaint received 2015-10-27
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: RMS-Recovery Management Services, Inc. (CA)

I was contacted via telephone XXXX of Recovery Management Services that I was in debt {$4900.00}. I disputed the amount and wrote a letter to the company asking for verification and sent it Certified Return Reciept Requested on XXXX XXXX, 2015. I wrote another letter asking them to cease and desist further attempts to contact me which was sent same method on same day. I got my return reciept back with signature XXXX as recipient on XXXX XXXX, 2015. I am still receiving calls which I let ring and I got a notice in the mail that they are now willing to negotaite to settle but still have not proved I owe the amount they are trying to collect.
Consumer complaint received 2024-05-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (NV)

I had my Discover credit card stolen on XX/XX/2023. 3 charges were made at the same time on XX/XX/2023. One was a flight XXXX to XXXX then another one to XXXX booked and travelled on the same day. The other two were hotels. XXXX support that this charge was fraud. But the two other charges made by an unknown person were reversed and charged back to my card. They claim the merchant provided evidence supporting the charge. But the charges were not made by me and listed a different name as the primary and booking passenger. The email and telephone number were not mine. I think when they stolen my cards they saw my tax return in the same drawer to use for my personal information. The airline ( XXXX ) confirmed that only one passenger boarded those flights. Plus, the other hotel was notified that the credit card used for booking was stolen and reported as fraud. They spoke with guest but they told the hotel it was a mistake and to go back and discuss with travel agency ( XXXX ). The hotel agreed. But then the guest disappeared without hotel being able to collect cash. So, travel agency decided to dispute the fraud charge so they were not responsible. Discover has sided with two of the three travel agency against the fraud charges and hold me responsible. But the third charge is still fraud which is XXXX
Consumer complaint received 2019-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

on XX/XX/XXXX I made a payment arrangement to get my credit back in good standing with XXXX XXXX, on a chat with an agent named XXXX XXXX, we created a payment plan and expectation that they would start reporting my payments if they were made on time per the arrangement, my first payment I made was that day XX/XX/XXXX of XXXX $ my second one was due XX/XX/XXXX in the amount of XXXX $ and the next was XX/XX/XXXX XXXX  $ - I made the second payment thinking it was the XXXX $ and realized I needed to make more of a payment so I tried to add money, they wouldn't accept it, so I called and spoke to several people about why they wont accept MORE money, after having to hang up on one person and calling back I finally got someone who deleted the first payment then took the correct amount, I then paid XXXX $ XX/XX/XXXX to get my account back in complete good standing. With all this being said I did all this to get my credit back in good standing so they were to report it, because I was moving and needed to get a credit check, I then find out XX/XX/XXXX that they reported me as not making a payment in XX/XX/XXXX and haven't reported ANY of my current payments - I called them and spoke to several people who said they have to follow the fair credit reporting standards etc etc however the agent I spoke to, XX/XX/XXXX said they dont have to report me as making payments and positive until I am in good standing, but yet that doesn't seem correct because I have made payments and you are reporting me as XX/XX/XXXX NOT making a payment then XX/XX/XXXX and XX/XX/XXXX you have no payments at all reflected, I can understand XX/XX/XXXX but NOT XX/XX/XXXX and XX/XX/XXXX. They won't fix my score until after my next billing cycle she said. So now I am unable to move because my credit is showing this and also they are violating my rights as a consumer - I am looking into legal action in small claims against them for this inaccuracy and the issues it is causing currently.
Consumer complaint received 2015-11-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Navient Solutions, LLC. (OH)

I have been contacting them numerous times to advise them that I demand a cease and desist against an out of statute debt. They repeatedly send me letters that do not offer the validation of debt miranda nor the mini miranda. I have told them they are in violation of the FDCPA and to cease communication. The last letter I got from them said that even though they are a 3rd party collection agency they are not subject to FDCPA rules and regulations because it is a government fine they are trying to collect. They have changed the structure of my cease and desist of an out of statute debt to show that I am asking for validation of debt which I am not. Again they keep stating they are not subject to FDCPA rules and regulations. Even after the cease and desist they have continued to mail me Dunning letters.
Consumer complaint received 2015-10-16
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

I asked for a Bank of America Credit Card account be closed. I was assured that it was closed. A recurring charge was set up from a vendor. I do n't intend to continue with service from that vendor. Bank of America reopened my account without my permission and processed a charge. I never gave them permission to do so.
Consumer complaint received 2023-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (TX)

In XXXX of 2020 my wife flew home to the XXXX on a flight booked through the American express travel feature. Upon trying to return she wasn't allowed to board the flight. This was due to issues at the start of the pandemic. She was able to book a flight with another airline but when she returned home we tried to get a refund for the unused portion of the ticket and were giving the runaround. I called amex, XXXX, and XXXX XXXX to try and resolve the issue myself but the airlines told me amex owed me the refund and vises versa. I just want my money back
Consumer complaint received 2016-05-02
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Sortis Financial, Inc. (TX)

Back in 2011 I had a foreclosure on a condominium by XXXX XXXX XXXX. Around XXXX or XXXX 2011 during the great recession. I believe my personal information was sold or traded illegally to third party debt collection agencies.
Consumer complaint received 2016-11-19
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

on XXXX/XXXX/16, Bank of America refused to block any periodic ( every 3 months ) charges to my BankAmericard from an on-line vendor ( a dating site ) that no longer is accessible on-line, and though it has an XXXX phone number, no-one ever picks up the line to allow cancellation of the service and recurring charges. Bank of America only processes disputes of charges already made. This means that every three months I must potentially file a claim and hope for the best. As a result I no longer have control of my finances.
Consumer complaint received 2022-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have tried to dispute this matter with the credit bureaus and i have not been given a response. I sent in a formal dispute on XXXX to all three credit bureaus. I need these accounts to be investigated because they are misleading and reporting inaccurate information and is violating my consumer privacy rights.
Consumer complaint received 2022-02-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (TN)

This debt has been disputed numerous times and removed. I do not owe this debt. This also looks to be a very old debt. I sent a certified letter stating this. Do not contact me anymore and i do not owe this debt!
Consumer complaint received 2016-07-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This item was disputed with TransUnion. I received a letter from them on XXXX/XXXX/2016, stating that the investigation was complete and that this collection was no longer on my file. I had applied for a loan on XXXX/XXXX/2016 and received a very high interest rate on my new loan. I asked my lender why the rate was so high and they stated that there was an open collection on my TransUnion account that was affecting my new interest rate. So I obtained my report on XXXX/XXXX/2016 and it still shows the collection that they stated ( on XXXX/XXXX/2016 ) was no longer on my file. I want this removed!!!
Consumer complaint received 2016-05-26
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

transunion does not give any information about collections in the free credit report, it is unclear if there are any or they are withdrawing information to be provided after a fee ( and maybe available publicly without an individual 's knowledge )
Consumer complaint received 2015-03-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

There is nothing more frustrating than spending over an hour being bounced around from department to department for what should be a VERY simple request. Like many homeowners across the country, our property taxes increased. That means that our monthly payment went up. To make the burden less impacting, I called Bank of America and asked that they spread the shortage over 24 months. The responses I got were, " the system wo n't let me do it '', " you need to talk to Collections '', " Reg E prevents us from being able to do it ''. Not only are these responses not helpful to the consumer, they are inaccurate. I am beyond frustrated and unfortunately, this happens every time I call my mortgage company. I am beginning to wonder what type of training the customer service department receives and at what point they will take their customers seriously.
Consumer complaint received 2016-04-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

What can I do about continued and unending harassment by Bank of America. I am told I am 4 months behind in my mortgage payments due to an issue with unnecessary forced place insurance even though a policy was in effect. Each time you call you speak o a new person and they wo n't meet with me. I have sent them copies of all payments and I am still told I am 4 months behind. Latest call was today. Is there a human I can talk to. I have been harassed for 2 years and have suffered XXXX problems. I wrote to he CEO with no response. What can I do???
Consumer complaint received 2016-07-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (PA)

Have a loan through Navient. Applied for forebearence that was applied XXXX XXXX through XXXX XXXX but Navient refuses to update their credit reporting to XXXX. I have disputed through XXXX, but they did not update and will not allow me to submit another dispute and Navient refuses to correct.
Consumer complaint received 2016-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

I am being reported 60 days late with XXXX XXXX XXXX regarding my student loan while I was under deferment. They are erroneously reporting me 60 days late with XX/XX/2011. This needs to be updated to correct the status. Furthermore this was transferred /sold to another servicing company called XXXX and XXXX is duplicating this account and should be deleted all together
Consumer complaint received 2015-03-25
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My name is XXXX XXXX, I am a customer with Bank of America. I am a service connected XXXX veteran with XXXX XXXX issues. I was waiting in line at the XXXX XXXX branch in the XXXX, NY XXXX XXXX XXXX, after 30 mins. on line the bank got really crowdedI started XXXX real bad. asked the manager if he'ed show me the same courtesy as the XXXX women before me. letting him know what my problem was, he told me that service is for physically XXXX. I stepped to him and showed him my shaking hands and said do you need to see my XXXX. He took it as a threat and locked himself behind the counter and called the cops. when asking him to help me, he said if I want to get help I 'd have to get back in line. XXXX came and was very courties to me and understanding, they even asked the manager to serve me and he refused. A XXXX can also create a XXXXy
Consumer complaint received 2015-07-16
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: Hatfield Portfolio Group LLC. (TN)

The call came from some company called XXXX XXXX XXXX, XXXX. They left a voice message the other day trying to reach my daughter.I have no idea what my daughter may owe, but this company called me again this morning at XXXX, central time, while I was driving..