davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: REGIONS FINANCIAL CORPORATION (AL)

Regions Mortgage decided to raise my monthly payments excessively this year. Last year I paid $ 630/month and that included a little extra that came off of the balance. This year they want to raise it to $ 740./month. According to my calculations, P & I, plus the extra for a home warranty plus 1/12 of the escrow requirement totals {$640.00} Regions already has a pad in the escrow account of over {$1000.00}. I want my payment back to something reasonable and I do n't see why they need an extra {$2000.00} in the escrow account.
Consumer complaint received 2016-02-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Nationwide Credit Corporation (MD)

I have paid my son 's all bills at XXXX XXXX XXXX, medicine or doctor 's bill. I contact the customer service at XXXX ( XXXXXXXXXXXX ) to double check and they confirmed that I owe them NOTHING. There is this collection company " Nationwide Credit Corporation '' keep harassing me to collect some medical bills from me. Absolutely outrageous and fraud! The account number they have for me is XXXX and the reference is XXXX. Their address is NCC, XXXX XXXX XXXX, XXXX, VA XXXX. Please tell them to stop harassing people, I am very aware of my billings but there are people who get afraid when they see collection. This needs to stop and there should be strict regulations for collection agencies.
Consumer complaint received 2019-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have had 2 accounts open in my name fraudulently and I addressed the issue with the credit bureaus. Equifax is the only one right now I'm having issues with. They processed my documents that they requested, removed the accounts in XX/XX/XXXX and then re-inserted them on the report this month ( XX/XX/XXXX ). 

This is really putting us in a bad position and I'm hoping that this will help! 

Thank you,
Consumer complaint received 2016-06-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (WA)

SECOND COMPLAINT Ditech has me multiple notices requesting proof of hazard insurance on my condo. I mailed them a copy of the policy more than a month ago, then received a second request weeks later. When I contacted Ditech by phone, they stated that they had n't received the copy that I mailed. When I asked if I could send a PDF of the policy via email to ensure receipt, their representative stated that they do n't have email. I sent the policy a second time via fax, for which I received a confirmation. 

Yesterday, I received a second and final notice that they had either not received a copy of my policy or that the policy had expired. 

I 've carried mortgages for multiple properties, single and multifamily, and never had to provide proof of hazard insurance more than once to any lender or servicer. Putting this burden on the customer every year and forcing a hazard policy if the customer fails to provide proof seems underhanded and fishy. Ditech surely receives some margin or commission on the sale of these forced policies. 

I believe Ditech is making this requirement intentionally difficult and profiting from their customers ' fatigue -- with the process, the refusal to accept email, and the torrent of " important '' promotional mail we receive from Ditech which we have to open every time lest Ditech charge us for a redundant insurance policy. It might be legal, but it 's slimy and it 's bad for consumers.
Consumer complaint received 2017-01-06
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I fell behind on my mortgage payment, I received a letter from Fifth Third bank stating I had until XXXX XXXX, XXXX to pay {$4300.00}. I was approved to take the funds from my XXXX and the paperwork was finalized on XXXX/XXXX/XXXX. Due to the holiday the funds were released to my account on XXXX/XXXX/XXXX. I called the bank to pay the balance owed and found out my loan was sent to the attorney for foreclosure on XXXX/XXXX/XXXX. The day before my loan was to be paid. I called the bank when I was approved from my XXXX company to report the money would be released to me XXXXXXXX business days- they then sent my loan for foreclosure.
Consumer complaint received 2016-09-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (NV)

Little to no communication from Freedom Mortgage. They purchased my home loan 2 months ago. I have not received any payment or billing information. I only received an account number after calling customer service. I was threatened with a late fee if i didnt make a payment on their website. I was told they dont accept electronic payment from XXXX XXXX XXXX and making a payment through my bank will result in a late fee as they have to mail a check. I will not make a payment on Freedom 's website as i have zero confidence in this company. With XXXX XXXX XXXX there is a tracking system for payment and more assurance than what Freedom is providing. They have horrific communication and unsatisfactory customer service.
Consumer complaint received 2015-04-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION (VA)

On XXXX XXXX, XX/XX/2015 I sent a letter informing Fifth Third Bank not to process my payments. electronically anymore. This letter was sent certified mail and I had the receipt from where I sent the letter certified mail on XXXX XXXX, XX/XX/2015 My receipt shows that Fifth Third Bank received and signed for the mail on XXXX XXXXXX/XX/2015. In that same letter I enclosed my mortgage payment for the month of XXXX in the amount of {$1700.00}. Fifth Third Bank cashed that check on XX/XX/2015 it cleared my account. On XXXX XXXX, XX/XX/2015, which is more than 3 business days after they received my letter, Fifth Third Bank tried to make an electronic transfer in the amount {$1700.00} which is also an incorrect amount for my mortgage payment. This is clearly a violation of the Electronic Funds Transfer Act 12 CFR 1005.10 ( c ) ( 1 ) Consumer 's Right to Stop Payment. This states that " A consumer may stop payment of preauthorized EFT ( electronic funds transfer ) from the consumer 's account by notifying the financial institution orally or in writing at least 3 business days before the scheduled date of transfer ''. As a result of Fifth Third Bank trying to complete an EFT for an amount to cover my mortgage which had already been paid, I was charged {$30.00} from my bank with who I hold my checking account ( XXXX Bank ) for insufficient funds. Now Fifth Third is calling me and trying to collect additional money as well because the check did not clear. I have called and talked with several representatives who are either refusing to help ( just trying to collect more money XXXX or saying they can not help. I have explained to them that my mortgage payment for XXXX is not due yet and XXXX representative was saying the EFT that they tried to process was for the XXXX payment. I have explained to them I will continue to pay my mortgage monthly but by check and I will no longer use EFT. Fifth Third Bank should also have to reimburse me {$30.00} to make me whole as a result of my insufficient funds charge with XXXX due to them violating Federal Regulation regarding the Electronic Funds Transfer Act. I have copies of the letter mailed, as well as the certified mail receipt PS Form XXXX, Domestic Return Receipt if they need to be provided.
Consumer complaint received 2016-11-15
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

This is the XXXX year in a row that my mortgage lender has not made adequate payment for our property taxes. We purchased in XXXX 2015 and mid-year, our loan rolled over to Lakeview Loan Servicing, which we later FHA-Streamline re-financed this XXXX. They have been impounding an inadequate amount of property taxes, which I have repeatedly said was incorrect. And now, the XXXX installment was due, and per attached, they have not made payment. In addition, per attached e-mail streams, they remain incredibly unresponsive.
Consumer complaint received 2018-09-17
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (NY)

I have disputed this account from XXXX XXXX and its still reporting on my credit reports. This school loan isnt mine and I have never took out any loans from this school. I never received any contact ( phone, email, letters ) from this school saying i am a student and owe this debt. Please delete this collection account of my credit reports. This isnt my debt and i dont owe nothing to this school.
Consumer complaint received 2017-01-12
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: U.S. BANCORP (NV)

USBank has a pilot project for small dollar loans from XXXX to XXXX dollars, an installment plan to pay it back in XXXX payments. 
On XXXX/XXXX/17 at XXXX XXXX, I phoned the number on the email that was sent to me and gave all information needed. I was asked my residency and told them i am on a XXXX visa in the united states. The agent checked with the underwriter and the underwriter gave approval for a {$1000.00} loan. I was told the money would be in my account within 48 hours. I withdrew the {$1000.00} from my account at XXXX XXXX on XXXX/XXXX/17 ( after the 48 hours had passed ). The money was not in the account. Ii have been charged overdraft fees since XXXX/XXXX/17. I phoned the same division on Monday XXXX/XXXX/17 and was told the quality control at the bank had put a hold on the loan, even after underwriter approval. The agent told me she would look into it and contact me within 1 hour. I did n't received a call back. I phoned again XXXX/XXXX/17 and was told that no response back from the quality control division. I phoned again on XXXX/XXXX/17 and they told me that the loan was denied ( this would be 1 week after it was initially approved ). I have been charged overdraft fees and they bank would not credit them back to me. Until my last call was made, i had received no calls from the bank explaining the loan had been denied.
Consumer complaint received 2022-09-07
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: JPMORGAN CHASE & CO. (CA)

Hello, my name is XXXX, and I'm writing to ask for your assistance in contacting this company. I attempted to get in touch with them to inquire about the circumstances behind the creation of a new account in my name. It is unfortunate that this issue is now harming my credit record since it is a really severe subject. I feel terrible about it. I do not give anybody permission to use my name, date of birth, or any other information about me since doing so violates both data privacy and the law. They have to determine who really started the account in my name and then provide those details to that individual rather than transferring them to me. Could you perhaps assist me in finding a solution to this?
Consumer complaint received 2015-09-09
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (NC)

I received a XXXX day late notice on my credit that was reported by US Bank. I disputed with XXXX and XXXX but was told the credit was validated. I was sent to collections for a balance of {$2.00} from an overdraft protection charge from my reserve line credit account. First of all I paid my reserve line in full in XXXX of XXXX and requested it to be closed. I was then charged a {$5.00} overdraft protection fee in XXXX XXXX. Based on their Deposit Account Agreement I had the option to authorize an " opt in '' from my reserve line for overdraft protection but never approved or authorized US Bank to draft from my reserve line for my checking account. The {$5.00} fee was taken from my reserve line and applied as an overdraft fee for my checking account. I included all documentation to show the transactions. I never received any calls of the fee nor emailed or mailed statements. US Bank took the fee out of my account without authorization and ended up crediting back my account the balance and late fees in XXXX of XXXX ... XXXX years since I requested it to be closed. US Bank is also unwilling to correct my credit score as they said the XXXX notice ws valid ... they did remove the XXXX day notice. US Bank has been unwilling to work with me to get this corrected and I feel they reported incorrect info to the credit agencies even after I pointed out their error. Their intentional deception of credit reporting has damaged my credit history and thus would not allow me to qualify for a home loan. I was also told that US Bank could have provided a coutesy removal of late notices but did not contact them in time ... US Bank is deceptive in the credit practices and has taken steps to harm me since this was reported to the CFPB. I also contacted the president of US Bank but XXXX XXXX was unwilling to protect the customer and is willing to allow his company to conduct deceptive and harmful collection and credit practices.
Consumer complaint received 2016-10-30
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nationwide Credit Corporation (MD)

the collection company Nationwide Credit Corporation, XXXX, at XXXX XXXX XXXX XXXX Mi XXXX .Keeps sending me the exact same bills that I have already made arrangement to pay from XXXX XXXX hospital. This is a XXXX billing agency that is trying to make money off me through this double billing process. enclosed I have copies of the XXXX company bills and the original bills from XXXX XXXX, In which I am making arrangements to pay them directly. This side collections company However insist on sending me these same duplicate bills, and I am getting very annoyed of their deceptive practices, how can I get them to stop such actions?
Consumer complaint received 2016-10-02
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO. (SC)

I deposited a Chase Freedom credit card Balance Transfer check into my personal XXXX XXXX XXXX checking account per the instructions on the offer. I made sure I had sufficient available credit including fee 's. The check was for {$9300.00} and was returned on the 5th business day as insufficient funds. I called Chase and after getting transferred around and cutoff I finally spoke to a supervisor. She said that XXXX XXXX XXXX sent/processed the check as a CASHED check and not a deposited check. Therefore Chase treated as CASH ADVANCE and not A balance transfer and that my credit line for cash advance was insufficient. I deposited the check to my XXXX account using Mobile Check Deposit. I did not receive any cash at that time and never received cash. The offer clearly says I can make the check payable to myself and deposit in my checking account and it would be treated as a Balance Transfer. I called XXXX and they informed me that THEY do n't control how the check is handled when Chase processes it. And they immediately refunded the fee. When I called Chase back the supervisor said it is not Chases fault, that the offer is no longer available but they had one almost as good but it would take 5-7 business days for money to arrive in my account. So I had to find another source of cash to cover the negative balance in my account for 12 business days. I specifically told the supervisor what XXXX XXXX XXXX said and that I expected Chase to honor the original promotion and immediately cover the negative balance and call XXXX to have fee removed as I did nothing wrong and complied EXACTLY with the promotional terms of the balance transfer offer. She said she would not. I asked her to process a new transfer using the new less favorable terms and just waited the 5-7 business days. I informed her she has lost a customer for life after this transaction.
Consumer complaint received 2016-07-12
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (MO)

On XXXX XXXX at XXXX I deposited a cashier 's check for {$28000.00} into a US Bank joint checking account with my name and my wife 's made out to my wife from a trust in her name. She endorsed the check. Our intent was to transfer a portion to our other checking account for which we had checks to pay our flooring contractor. Our funds were not made available until XXXX XXXX. I wrote a check XXXX XXXX and it was returned as an overdraft on XXXX XXXX. We have been customers for years and our accounts were established more than 6 years ago. I requested my local branch to credit my account the over draft fees and they asked me to call the branch at which we initially established the accounts.
Consumer complaint received 2015-06-15
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (IL)

We enrolled in the XXXX XXXX Rewards debit card program in XX/XX/XXXX. 

Promotional Reward Program Problems - Visa XXXX Debit Card : We had problems receiving our rewards from the beginning. We spoke with at several different customer service representatives through the card issuer on and off about the problem over many months, with our last conversations XX/XX/XXXX about the problem. Each time we were told a specialist would return our call but our calls were never returned. 

We were told by a card issuer service representative ( at that time XX/XX/XXXX ) there was over {$300.00} in rewards that were never issued to us, and that our debit card may have been provisioned incorrectly when issued. We were also told that the system was not functioning properly and that the reward information and amounts should appear on the customer debit/credit entry pad at the store when a reward is available, and at that point we should be able to see the reward amount and authorize the payout of the reward on that store visit/transaction. To this date that functionality has never worked. 

We have relied on the XXXX store cashiers to let us know when a reward is available. We believe that many of the cashiers did not offer the rewards because they were not trained correctly. To this day, many of the store cashiers STILL do not know how to apply a reward. 

We 'd like a full accounting of rewards earned and any rewards still due since the card was issued. We have spent countless hours of frustration on the phone and in person trying to resolve these issues. 

Direct Deposit Problems : XX/XX/XXXX Direct Deposit Problems : XXXX different direct deposits were not serviced correctly. I spoke with customer service representatives on several occasions between XX/XX/XXXX and XX/XX/XXXX. Each customer service representative we spoke with could offer no reason as to why the direct deposits were failing or give a solution to resolve the problem. Each representative also promised a return call from a specialist within XXXX hours. Our calls were never returned. 

Deposit Details : Initiation Date : XX/XX/XXXX - Trace ID XXXX - {$740.00} - FailedInitiation Date : XX/XX/XXXX - Trace ID XXXX - {$710.00} - FailedInitiation Date : XX/XX/XXXX - Trace ID XXXX - {$2400.00} - Succeeded. Previous failed deposits, along with a current deposit were combined and finally deposited successfully. 

XX/XX/XXXX Direct Deposit Problems : Deposit Details : Initiation Date : XX/XX/XXXX - Trace ID XXXX - {$770.00} - FailedWe have never had any direct deposits fail XX/XX/XXXX. I 'd like to know the reason why these direct deposits XX/XX/XXXX are failing and how to prevent it in the future. We need to be assured the problem does not happen again. Also, the customer service response is horrible. Not one time have our calls ever been returned concerning any problem by a specialist as promised.
Consumer complaint received 2015-08-20
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP (OH)

Where do I begin? This is my story long story short. In late XXXX I submitted a bid on a house. I pulled the plug on the loan process in mid XXXX. The process was terrible. My credit was pulled XXXX times. I was told by my loan officer that she was being sabotaged by her co workers and that they were hiding my paperwork from her. My loan officer sent me XXXX pages worth of someone else 's loan and personal information and asked me to sign it and when I told her she chanted " I 'm only human ''. The loan officer missed our close date XXXX times causing Us Our lease on our home and almost the sale of the house. She ignored phone calls to my self or others involved with the transaction. The loan officer demanded me to put my down payment in a U.S. Bank account that day so I did and I went to pull it out later after pulling the plug the teller wrote the check wrong XXXX then crossed out the number and attempted to write over it. I told him it is a legal document and that he ca n't just cross out information so I had to write the cashiers check ... that should be on tape at the bank. The loan officer or someone in the process labeled by appraisal wrong and cost us time and our deadline for them to re do the appraisal. This was the worst experience of my life. My credit has been negatively impacted which is compromising my future financial situation. We wanted to finance a new barn and lawn mower for our home now what do we do? I was so nervous and depressed about this i cried most days and in the middle of work when she would call and ask me where my paperwork was. Talking with manageMent did n't help as it seemed as if they were reading preprinted angry customer rederic? I did n't have faith in US Bank after this. I am in the midst of interviewing a different bank to take over my car loan because I have serious doubts about US Banks abilility to handle money, billing or the responsibilities of customer service or having anything to do with financial anything.
Consumer complaint received 2023-04-17
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. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX.
Consumer complaint received 2022-09-07
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. (FL)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.18 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.