davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-27
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. (AZ)

I contacted the the corporate office at XXXX XXXX XXXX XX/XX/XXXX, I asked them to send me statements to validate dates and amount of my credit card account which is reported to the CRAs incorrectly. They sent me a copy of a contract instead. The amount of the charge off on my credit report is incorrect. The payment history is also incorrect. It looks as if the account is still not 7 years old when in fact it is already over 7 years and should not be reported anymore. I would have taken care of this debt a long time ago but they will not give me the correct balance or statements to show how the balance went over 700 dollars. 

Here is what they done. I had a XXXX secured card, it was graduated to a unsecured card with a XXXX dollar limit. Instead of returning XXXX dollar deposit or crediting my account XXXX dollars they charged me XXXX dollars. I argued this back in XX/XX/XXXX but got no where with them. I stopped paying the bill. 

8 years later they are still reporting this.
Consumer complaint received 2015-09-23
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (MN)

I went to the dentist to get a XXXX and they said I could do a monthly payment plan for {$1000.00}. As long as I made a monthly payment and paid it off within a year I would get no interest. I sent in a payment by check and they said that they did not get it. I sent it in timely as I work for the postal service. I had the money in my savings account so I did not have to open up this card but because it was free and did not want to use my monmey that was in my savings. But because they kept on adding the late fee charge I just paid it off in full. Mind you, paid it off in full minus the late fee/interest of {$450.00} they charged me. ANd now it is on my credit report for paying something off in full before the due date. I did the right thing by paying this off and paid what I owed ( {$1000.00} ) in the year time frame and I get this on my report that is not valid. I pay my bills on time and did not need this card. and it screwed me over and would never do business with chase ever again.
Consumer complaint received 2015-10-01
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Supreme Lending (TN)

XXXX XXXX OUR LOAN OFFICER MOVED FROM ONE TRUST HOME LOANS IN XXXX TN TO SUPREME LENDING IN XXXX TN AND TOOK OUR LOAN WITH HER BUT DID NOT LET US KNOW SHE WAS SWITCHING COMPANIES. SHE DID NOT HAVE OUR CONCENT TO TAKE OUR LOAN WITH HER. SHE HAS BEEN UNPROFESSIONAL AND UNETICAL WITH NUMEROUS THINGS. SHE HAS GIVEN PERSONAL INFORMATION TO THE PREVIOUS RENTER OF THE HOME THAT HE COULD ONLY KNOW HAD SHE TOLD HIM. SHE HAS LIED TO US TELLING US THE HOME WOULD CLOSE IN 2 WEEKS FROM XXXX XXXX BUT AS OF TODAY XXXX XXXX, 2015 IT HAS NOT CLOSED. THE REASON FOR THAT SHE HAD TO START OVER WITH OUR LOAN BUT SHE TOLD US IT WAS JUST TRANSFERING. WE HAVE HAD LIE AFTER LIE.
Consumer complaint received 2016-12-09
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC (OR)

Issue : On XXXX/XXXX/16 I received an unsolicited call from XXXX XXXX at Loandepot. He stated the reason for his call was to notify me that my second mortgage was out of compliance with Loandepot and that the loan should of not been issued in the first place. As an early XXXX present Loandepot was going to absorb ( pay-off ) the second to satisfy investors and compliance ; in turn I would have to re-finance my first mortgage, which I was ok with. In addition, they were going to take the balance of the personal loan I also have with LoanDepot and roll that into the first, so that I would just have XXXX payment. He stated that Loandepot was going to take care of all the administrative costs. Their words, " This is labeled as a 'high priority loan ' and we need to make it right, our leadership team thanks you. '' Today, XXXX/XXXX/16 I was contacted by the same loan officer XXXX XXXX. He now indicated that Loandepot is not going to pay-off the second and the first and second can be combined. The stories are conflicting! 

The problem : As a consumer, I feel like I am being manipulated. I do n't know what is fact or fiction. They are a large company with all the leadership, facts, documents, etc to make informed decisions. If you are going to call a customer un-solicted and make them an offer, then that is what they need to do. " Stand behind their word. '' Note : As indicated from the conversations ; all calls are monitored and recorded.
Consumer complaint received 2017-02-19
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

On XX/XX/XXXX, my PayPal account was hacked twice, for {$60.00} and {$200.00}. Not only did I and do I not know whoever did this, but the email address that hacked me managed to change during the money retrieval process. the The {$60.00} payment went through, but the {$200.00} did not, as I did not have enough money in that particular bank account at that time. After filing a fraudulent transaction report, PayPal said that the payments were not fraudulent, according to their algorithm/the location, and that I just needed to contact the " seller '' ( who I do n't know/does n't exist ). I called PayPal and they told me to contact my bank, and that there was nothing more they could do. The bank reversed the {$60.00} payment and blocked PayPal, but in the meantime, PayPal withdrew the {$200.00} payment out of my PayPal account. I have tried to call, and was told that " people open fake accounts all the time to try to get money from PayPal '' ( never mind that I 've had a PayPal account for over a decade ) and that there was no one I could talk to other than the customer service representative, so as a client, I have zero recourse. I tried sending messages to PayPal, and only received canned automatic responses. During the second aforementioned phone call, I initiated a " repeal '' to no avail, as PayPal will not update the " we will get back to you in 2 business days '' page, so I can not upload the additional identity verification documents that were requested via email. As PayPal has a monopoly of sorts, it 's " understandable '' that they do n't particularly care about their customers, but it 's hard to believe that I have zero recourse to protect myself when sensitive financial matters are concerned.
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

I think my information may have been impacted by a data breach and got into the hands of the wrong person. I did not authorized any of these. I have filed identity theft reports and will enclose them in this report.
Consumer complaint received 2015-08-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AFNI INC. (CA)

On approximately XXXX XXXX, 2015 I mailed in a payment of {$120.00} to Afni Inc for collection account XXXX. In my envelope I included with my payment, a letter stating the following : '' Dear Afni : I 've included a payment of {$120.00} for the above mentioned account. By accepting and cashing said payment, you agree to delete your listing/tradeline regarding the above mentioned account from my credit report and you will notify the credit bureaus accordingly. 

If you do not agree to delete your listing/tradeline regarding the above mentioned account from my credit report, please send this check back to me at the address found above. 
Regards, XXXX XXXX '' In addition to the information above, I wrote on said check on the memo line : " By cashing this check you agree to the deletion of acct # XXXX " On XXXX XXXX, 2015, Afni Inc deposited my check into their bank account thereby agreeing to the terms of the letter as well as the terms written on the check submitted. 

On XXXX XXXX, 2015 I called into Afni after seeing in my bank account that my check had been cashed, to confirm deletion of the account on my credit reports. The customer service agent was not able to help me at the time and no supervisor was available to discuss the matter with me directly so, I left a VM for return call. I had received no call back so I called again on XXXX XXXX, 2015. Again the agent on the line could n't help me and no supervisor available to discuss so, I leave another VM for return call. On XXXX XXXX, 2015, I place another call into Afni Inc since no return call and I find that they have released a payment back to me and my account is now showing not paid. This is certainly not the case since I have a copy of my cashed check from my banking institution showing the withdraw of funds from my bank account from Afni Inc .
Consumer complaint received 2015-12-21
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (SC)

We have been trying to get a loan modification for the last 8 years. When Ditech asks for the information to process this ( bank statements, tax returns, paystubs, etc. ), and we submit them and confirm that they did indeed receive everything they need to complete the modification request, they send us a letter that we have not completed the requested paperwork. This exact same scenario has been going on for 8 years. The mortgage company for our home changed hands at least XXXX different times in 8 years. XXXX, XXXX, XXXX XXXX XXXX, Green Tree and the latest call to Ditech was made on XXXX/XXXX/15. The representative assured us the loan modification paperwork would arrive in 5-7 days. We had a XXXX way call with my husband and his real estate agent to confirm this in order to get more information on our options regarding selling the home. The real estate agent heard that we would receive it as well. We called 1 week later and the reprsentative with Ditech said that he never said that and denied even speaking with us. The representative thought our real estate agent was a lawyer. After several times explaining that he was NOT a lawyer but a real estate agent wanting to get a better understanding of our selling options, specifically short sale vs. foreclosure, he refused to discuss our case anymore. I called on XXXX/XXXX/15 @ XXXX to be exact. I believe all of the calls are recorded for " quality assurance ''. I called to follow up with this after again not receiving the loan modification paperwork, and the caller said she cant talk to me or she would lose her job and hung up on me. I called again to get more information because just a few weeks earlier they wanted to discuss this with us, and the caller, a different woman this time, hung up on me again. We have been very involved and wanting a resolution to our problem. We didnt walk away from our home, we continued to keep up with our home improvements, all we wanted was an opportunity to get a loan modification. There was NEVER any paperwork sent to us after confirmation after confirmation that they did receive all the loan modification paperwork they needed. I have written logs of everyone I spoke with, dates included, just to get a loan modification review. We were promised we would receive the paperwork, and over 8 years and have never received anything.
Consumer complaint received 2015-10-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (WI)

My mortgage was transferred from XXXX bank to DITECH. I received absolutely no written or electronic notice. My monthly payment auto deduction was cancelled without me knowing. When I called to inquire with XXXX of why my monthly mortgage payment had not been taken out is when I found out about the transfer to Ditech. I called Ditech and they told me to do nothing-my auto deductions would resume in time. I then recieved notices that my payment was overdue. I called immediately to pay over the phone and was informed of a {$12.00} online/phone payment fee. This is total bull. My auto deduct will not be set up in time for next month 's payment either so I will have to pay another online/phone payment fee. This has caused undue stress, money and time. This is WRONG
Consumer complaint received 2015-04-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (DE)

Client came to a HUD agency ( XXXX research, XXXX, De ) for assistance. Housing counselor submitted required documents to lender back in XX/XX/XXXX. Have not heard from lender since submission stating if there is anything additional needed. Client gives Housing counselor a call for follow up and the agency has not heard from lender as well. We also requested payment history of the loan before loan was serviced released to Green Tree Servicing LLC from XXXX. We did not receive any history. XX/XX/XXXX lender called client to request status on second mortgage which also is with Green Tree Mortgage. Mortgage has a XXXX and XXXX with Green Tree. Mortgage is also not reporting on credit report since loan was originated back in XX/XX/XXXX. We have been trying to get answer from lender but have been unsuccessful in getting a response.
Consumer complaint received 2016-05-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

I went to make my mortgage payment on XXXX XXXX, 2016 on ditech.com on XXXX XXXX, 2016. My XXXX payment was due and my XXXX payment just came due. I was not able to make a payment for XXXX I was only allowed to make the entire payment for XXXX and XXXX. When I called their number to make the payment no one was available there was only an automated attendant and I was routed to voice mail. I tried to make the XXXX payment with their pay by phone but I was given no option to only pay XXXX, I had to pay the entire amount. I waited until today XXXX XXXX, 2016 at XXXX PST to make my payment and called them. The first call I went through all the prompts and was disconnected. The second time I called I spoke to XXXX, she took my payment for XXXX. I asked her why I was not able to make the XXXX payment on-line and she said because the entire amount was due. We argued about what was due. She said in the future I will only be allowed to pay the amount due on-line I will not be able to make a payment for only past amount due. She also stated they will charge {$19.00} for a phone payment and {$10.00} for an automated phone payment. She was not sure if the automated phone payment would only do a past due amount.
Consumer complaint received 2015-11-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (MD)

GreenTree-DiTech MortgageI understand if someone needs to leave paperwork at your residence in reference to your mortgage. However, Strangers looking through your windows and taking photos is the worse violation that can be committed. I have notified many because of safety concerns.
Consumer complaint received 2016-06-27
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (IL)

We paid our XXXX XXXX payment to Ditech financial and they applied it to our escrow acct. 
We have been getting late notices and late fees and we have called numerous times and they said it 's there fault and a service request has been submitted but there far behind so it will take about a week. Well I call every week and I get the same song and dance. Now today I received a letter from a collection agency stating that they want that payment and late fees! 
I am at my wits end with this company they are going to ruin our credit!! 
There is no one else to speak to when I ask for a supervisor to try to go higher up. 
I just want my payment to be taken from escrow and applied where it should have been applied this company is a joke.
Consumer complaint received 2017-02-27
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (IN)

I booked a flight on XXXX. After I put in all my information, a window came up offering me XXXX bonus miles after qualifying purchases. I applied for the card based upon their offer SPECIFICALLY to me. I complied with their qualifying purchases. I did not receive the bonus miles as they have a policy of not rewarding cardholders who opened or closed an account within 24 months. I do not remember reading such a qualification when I applied for the card or I certainly would not have completed the process. IF such a qualification appeared at all, it was not prominently displayed as was their offer. Citi is linked to XXXX as every time I make a purchase with Citi my mileage account at XXXX is credited. They should not make such a bold offer to me after I enter all my contact info if I do not qualify for the offer!
Consumer complaint received 2015-09-01
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (PA)

Citibank Best Buy Credit Card will not stop harassing me. I do not even have this credit card. The Best Buy automated calling machine has now left about XXXX messages on my home phone. The messages ask me to call XXXX. I called this number and asked them to stop calling. I confirmed that I am not the person they are looking for, gave them my number and they assured me it will be removed from their computer. The calls stop for about a week and then resume again. After XXXX unsuccessful attempts to get them to stop calling I am contacting you hoping that you can make them stop. Please help!!
Consumer complaint received 2016-12-01
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (IL)

I was looking at " pending transactions '' on my smart phone and web browser and noticed that a transaction from XXXX XXXX, for a hotel stay, was still in pending status. I contacted the general number, and wanted more information regarding why it was still pending. The representative and I discussed the pending transactions but the pending transaction for XXXX was not on the company 's list. Meaning on all of my devices I see the " pending charge '' for {$100.00} for XXXX XXXX XXXX, but this is not on Citi 's system. During our conversation, the rep also mentioned a " pending charge '' from Best Buy for around {$700.00} which is not on my list of " pending charges ''. 

I am greatly confused regarding the difference between what consumers see as " pending charges '' versus what Citi sees as " pending charges ''. This also brings confusion to what actually my current balance and available credit limits are.
Consumer complaint received 2017-02-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (VA)

I am an Obligor on XXXX student loans taken out by my son. These loans have always been current. We make a payment to my son every month and he pays the loan ( depending on his cash flow he will contribute an amount to the loan payment ). Yesterday ( XXXX/XXXX/17 ) I pulled my credit report and found that it had dropped by XXXX points due to a delinquency on these XXXX loans ( 90 days past due ). I immediately called the servicer " FedLoan Servicing '' and cured the delinquency. I was very upset that I was not notified that the loans were ever late. Furthermore, I explained that I am a XXXX and that my XXXX Employment could be negatively impacted by their negligence to contact me regarding the delinquency and subsequent reporting to the credit bureau. They accepted my payment too cure the loan but appear to be unhelpful in resolving the credit dispute until I write a dispute letter. HERE IS MY ISSUE : They have a legal and moral obligation to rectify this matter with the credit bureaus. They failed to notify me, thus I was never given the opportunity to cure.
Consumer complaint received 2015-08-21
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BC SERVICES, INC. (CO)

ATTN CFPB THIS IS NOT A DUPLICATE COMPLAINT, THIS IS IN RESPONSE TO A LETTER THAT I RECIEVED IN THE MAIL FROM BC SERVICES. AS BC SERVICES IS NO DOUBT AWARE THAT THEY ARE CURRENTLY IN DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT, BUT NOT LIMITED TOO. CFPB PLEASE FORWARD MY RESPONSE OVER TO THE COMPANY PLEASE. 

BC SERVICE 'S YOU HAVE NOW EXCEEDED THE 30 DAY TIME FRAME ALLOWED TO YOU BY LAW! 


I have previously enclose copies of my requests for BC Services to VALIDATE these alleged debts. These debts are not mine and I was given any evidence of my obligation to pay BC SERVICES these alleged debts to this collection company 's currently illegally listed on all three of my credit reports. 
The FCRA requires BC Services to VALIDATE the validity of these alleged items within 30 days. If VALIDATION can not be verified, BC SERVICES is obligated by law to remove these items. This is a clear case of unverified debt here, and I urge BC SERVICES to remove these alleged items before I am forced to take legal action.
Consumer complaint received 2016-05-08
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (MN)

XXXX 2015 I sent a bank issued check to XXXX XXXX to pay off my credit card, the check was received and cashed XXXX/XXXX/15. The check was never applied to my account! I started calling them weekly as soon as I saw that it was not applied. They told me with each call that it would be investigated and would take XXXX billing cycles. I also sent a copy of the cashed check ( 3 times ), soon after they started calling me DAILY that my account was overdue. I explained the situation over and over for months as I could not get XXXX person to handle this problem. I 've contacted the XXXX which only increased the phone calls, XXXX of them just today! I have called XXXX which XXXX XXXX uses as their bank, and was told by XXXX that XXXX XXXX would have to handle the situation. I have gone to my local XXXX XXXX and spoke to the manager there, no help! I really do n't know what to do, can you help me?
Consumer complaint received 2015-12-10
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (MI)

i sent in a {$4000.00} payment to catch up on my house payment. the mortgage company did n't apply my payment then sold my mortgage. The new mortgage company is saying that i am a year behind and are trying to foreclose on my home. I am a single mother who wants to stay in her home. I ca n't lose my home to someone taking my money from me and not applying it to my mortgage like we had agreed. When questioned they said they did n't know where it was.