davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (WA)

We were in chapterXXXX we completed our plan in XXXX XXXX we were instructed by the chapter XXXX trustee that we were to start making our own payments in XXXX XXXX and we did, Dietect sent us a letter in XXXX stating we were one or more payments behind and in default, not True and I wrote them sent them bank statements showing they had got all of our payments and when they had ach through our account, they ignored it and kept dunning us for a payment or payments we do not owe, they have called my husband at his job they have sent incorrect house statements we have wrote them every month since XXXX XXXX asking for a correct house statements with no answer we have wrote them in XXXX requesting they tell us which payment they say we did not pay, because I have bank records showing all my payments from XXXX XXXX untill XXXX XXXX where the ach my account and got all their payments, I have contacted my Bankruptcy Attorney and they have contacted the Chapter XXXX trustee and told them ditech was saying payments had not been paid and was told by yhe Bankruptcy Attorney that the chapter XXXX trustee contacted our mortgage co XXXX XXXX XXXX with a 21 day final cure payment because we were getting ready to complete our XXXX XXXX and if any money was still owed the XXXX co had 21 day to respond and they did not respond so they conceeded we were paid so in XXXX according to our chapter XXXX trustee they paid XXXX XXXX, XXXX XXXX and XXXX XXXX payments so there is no way we are behind in payments Ive sent all of this to Ditech and they still refuse to quit trying to collect payments from us we dont owe.They will not provide us with the so call missing payments so we can present them to the chapter XXXX trustee, we have had no info on our house for 5 years while we were in chapter XXXX we know we made all our payments as instructed by the court.
Consumer complaint received 2015-10-29
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (OH)

Ditech, formerly Green Tree Servicing is the mortgage servicer on my Home Equity line. I just began my repayment period. They are trying to charge me an interest rate and payment that is clearly in violation of my contract. I have no problem paying what I owe and have never been late on a payment, but when the telephone representative reads the contract with me, but the company says they ca n't find the information and must review it, they are trying to collect extra interest that is clearly in violation of my contract. 
When I inquired about this mistake, they listed it as a dispute on all XXXX credit reporting agencies, so now unless I agree to pay the incorrect amount I ca n't get this dispute closed. They are definitely dragging their feet because the correct interest rate and principle balance are stated right on my monthly statement. Yet, the payment due reflects and interest rate XXXX points above that.
Consumer complaint received 2016-07-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (IN)

I was induced to sign up for a CitiGold checking by a promotional code that I received. The XXXX checking account has a monthly fee of {$30.00}, which I have been paying since opening the account in XXXX 2016. The promotional code, XXXX, was for XXXX XXXX XXXX points. I called Citibank and spoke with XXXX, employee code XXXX, on XXXX XXXX, 2016, at which time XXXX confirmed that I was eligible for the promotion and would be receiving the points when the requirements were completed. Further, on XXXX XXXX, 2016, at approximately XXXX, I engaged in an online chat conversation with Citibank representative XXXX ( see attachments ). During my conversation with XXXX she assured me that I was eligible for the promotional code and that I would receive the XXXX XXXX points within 90 days of completing the requirements. I completed all of the requirements for the promotion on XXXX XXXX, 2016. Pursuant to the terms and conditions of the promotional offer, I should have received the XXXX XXXX points from Citibank on XXXX XXXX, 2016 : which was the 90 day mark from my completion of the requirements for the promotion. Having not duly received the XXXX points, I contacted Citibank on XXXX XXXX, 2016, to see when I would be receiving the points. They stated that they were " backed up '' giving out points to everyone and they would need to investigate my eligibility. I informed the Citibank representative that I had confirmed my eligibility in XX/XX/XXXX ; furthermore, I informed the representative that I had a screenshot of a conversation confirming that I was eligible for the promotion. The representative said they would still need to investigate, at which time I requested that they contact me via email once they determined my eligibility. On XXXX XXXX, 2016, I received a secure email stating that there was not an AAdvantage Miles promotion offered in conjunction with the opening of this account. However, the undeniable evidence confirms that I was eligible for the promotion. I request that Citibank honor their promotion and provide me the XXXX XXXX points that I was promised under the terms of the promotion, confirmed during my phone conversation with XXXX, and reconfirmed during my online chat with XXXX.
Consumer complaint received 2015-06-13
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (NY)

My credit card company charged me {$26.00} for late fee on a {$20.00} interest at the end of this billing cycle. My due date used to be on the XXXX but they moved it on the XXXX without my knowledge. The law says that a credit card company for instance ca n't charge you more than {$25.00} for late fee if your interest is {$25.00}.
Consumer complaint received 2016-11-01
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: CITIBANK, N.A. (GA)

XXXX/Citibank opened more than 25 years ago I wrote both companies, called both companies. I filed an Unemployment claim back in 2013 at No time did either state. I did not have coverage. Now I am told that the coverage I had expired prior to my claim. Nothing was ever sent to me nor was I told until I tried to get them to pay. Sadly, I purchase something that when I needed it I am told I have nothing. I can not trust this is truthful as the argument previously by XXXX was it as Citi 's place to pay this account off as n insurance claim. Instead it was sold to a Collection Agency when it was an Insurance Claim. I need your assistance to get this paid and resolved.
Consumer complaint received 2016-08-13
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: VW Credit, Inc (MO)

I had an auto loan with VW Credit for our XXXX XXXX mini-van. At the conclusion of that loan I deliberately refused payment on the final XXXX of XXXX payments ( {$840.00} ) of my auto loan because VW would not repair an ignition recall as they could not provide an adequate engineered part. I paid for this repair out of my pocket and sought civil suit against VW for repayment which we settled in XXXX of XXXX. 

While I was attempting to get our ignition repaired I refused to pay the XXXX ( {$840.00} ) of XXXX payments to VW Credit until I was reimbursed for the recall which I paid out-of-pocket. Since I refused to pay, VW Credit sent harassing letters and phone calls insisting I repay the final debt. I was very clear of my reason not to pay the debt was because VW refused to reimburse my out-of-pocket expense for the failed recalled part. VW Credit began calling several of my neighbors on our street advising who they were and that they were attempting to contact me regarding an unpaid debt. VW Credit calls to my neighbors is a practice known in the collection trade as block parties and is intended to create public shame on the consumer, but in reality is legally slanderous and is deemed an unfair practice in violation of the FTC 's Fair Debt Collection Practices Act ( 804 Acquisition of location information ; 805 Communication in connection with debt collection ). I contacted my Missouri XXXX regarding this violation of the FTC Fair Deb Collection Practices Act to which VW Credit responded AND ADMITTED to this illegal block party practice in an XXXX XXXX, XXXX memo. I have a copy of VW Credit 's ( XXXX XXXX 's ) XXXX/XXXX/XXXX response to our Missouri XXXX. VW Credit said in the memo, " VW Credit stopped these practices in XXXX XXXX, we updated our procedures so that we no longer contact neighbors in an attempt to locate a customer ''. Unfortunately our Missouri Attorney General continues to investigate my complaint and has taken an unnecessary amount of time since VW Credit in their XXXX XXXX, XXXX memo clearly admitted to the illegal practice.
Consumer complaint received 2016-08-15
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Synovus Bank (GA)

I applied for a construction loan through XXXX ( branch of Synovus ). After asking for a detailed list of steps involved in the process, I was verbally informed one of the steps would be to add my builder to their approved list of builders. My understanding was this was an effort to establish an ongoing list of approved builders in order to expedite the customers search for a builder. After approximately 8 weeks, I was informed they were unable to add my builder to their list due to them reaching the maximum number of builders acceptable by corporate policy. I was not aware this was a potential risk to my construction timeline and they were absolutely unwilling to make an exception. I requested a list of approved builder qualifications, but they insisted this decision had nothing to do with anything else. When I asked for the situation to be escalated, I received poor customer service from several people in mid level and upper management within both XXXX and Synovus. They failed on multiple accounts to provide promised follow up calls and none were knowledgeable about the policy. Due to time constraints for myself and my builder 's schedule, I had no choice, but to pursue a loan with another institution. As a consumer, I feel this was a very poor and costly experience. This has caused much stress on me and my family and it should have been avoided or at least properly disclaimed and explained. This would 've enabled me to make a more informed decision and account for the potential setback.
Consumer complaint received 2017-03-07
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: MONEY SOURCE, INC., THE (WA)

On XX/XX/2016 I closed on a home loan with XXXX ( Please see attachment 3 ). The loan was acquired by The Money Source ( Please see Attachment 1 and 4 for Billing ). I believe the tax bill was {$1000.00} for every 6 months and {$2000.00} for a year, at the time. 

I received a tax bill from XXXX XXXX in the amount of {$240.00} ( for 6 months ) and {$240.00} ( for the next 6 months ) or for the year {$580.00}. I submitted a request for escrow reimbursement ( Please see attachment 3 The problem is the original 4 month escrow charged and my monthly payments have been based on a {$1000.00} ( {$2000.00} per year and not {$580.00} per year the correct rate ). I requested for an escrow refund ( please attachment 5 )
Consumer complaint received 2015-08-14
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Bepensa Capital, Inc. (CA)

The " gentleman '' called my employer and told the receptionist I am over XXXX days late on my debt and said I was " being so very irresponsible '' When I finally got on the phone with him I told him I was at work and he responded with " Well you are irresponsible and you do n't take care of your bills '' He was so very disrespectful and I will make sure to contact a lawyer to see what my options are. 

I am battling a death of a parent, a XXXX, XXXX kids, and I got XXXX days behind on a payment because I had to deal with unexpected expenses from an unexpected death. I had planned on paying the following day on my payday. LIFE SOMETIMES HAPPENS.
Consumer complaint received 2015-12-04
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LD Holdings Group, LLC (FL)

I paid my loan in full in XX/XX/XXXX with loan depot.I have not recieved my ecrow balance back and I noticed today that they took out for my pmi imsurance when I no longer have a loan with them..
Consumer complaint received 2017-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

I was on a payment plan with XXXX. Where they took my bank acct info and were taking payments out every month automatically. I noticed that they suddenly stopped taking the payments out of my account. I called them and they said they reported me 30 days late because I had to re-set up the payment plan. No one notified me that I needed to do so, or let me know what they payment plan was about to expire to call in and renew it. I have since renewed it and they are taking the money, however I do n't think it is fair that they reported me late when they had the control of my bank to take their payments.
Consumer complaint received 2016-02-05
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (TX)

TSI has failed to communicate with me the balance of the account, what fees I am being charged and why. I have sent letters, contacted people ( specifically XXXX XXXX, because she deals with people once they complain ), I have been told that the information I have asked for has been sent to me ; however, even with the correct address the information fails to reach me. This is a shady company that is not verifying why they are taking what money for. In the last CFPB complaint I filed they did post a payment and charge statement ; however this never disclosed the balance, what fees were being charged. They are only allowed to charge XXXX % as I have been told by TSI employees and XXXX employees. This company says they can change what is allowable by the credit agreement, but failed to send me a copy of the credit agreement, as well as the agreement between them and XXXX.
Consumer complaint received 2017-01-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: First Data Corporation (SC)

My deceased wife passed away in 2011. I then found out I was a victim of identity theft. I went to the police and was cleared of all the fraudulent activity as well as criminal activity. I went to court when the banks were claiming that I might have used an alias and proved that I did not. TeleCheck is breaking the law by reporting information from a bank that is reporting to TeleCheck an account that 's already been proven by the police to be fraud and not belonging to me. When TeleCheck refused two remove this reporting hi then had my attorney send a letter to them. TeleCheck said that they could not discuss this with my attorney without a power of attorney even though that I gave permission for the attorney to talk to Telecheck to Telecheck in writing and on the phone. TeleCheck is breaking the law and trying to say that because the bank is reporting it to them they have a right to report it even though I prove to Telecheck that it was fraudulent. I 've given TeleCheck all four parts of 605b of the Fair Credit Reporting Act to show that they should remove that reporting of that fraudulent account. TeleCheck is acting Above the Law and claiming their policies overwrite the law and give them or right to break the law. My claim to them is that they have to follow the law and their policies have to abide by the law.
Consumer complaint received 2017-01-23
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: BorrowersFirst, Inc. (RI)

I tried responding as a despute but I kept getting an error. 

Case number : XXXX My response today I have been charged NSF fees, {$45.00} to be exact, but that is not the issue I am complaining about. In almost every statement there is charged called a billed finance charge that has added up to {$1000.00}. There were a few approximately XXXX different months when I receive a NSF due to too many things going through my account. I paid them when everything cleared on my account. The NSF issue was resolved by charging me the XXXX charges of {$15.00} as you can see in the statements. I 've been faithfully paying and my payments, and so far I have invested XXXX {$3600.00} into this. Almost a third of that money has been taken by these billed finance charges. I keep getting harassed and contacted by Borrowers First, urging me to give them money, yet they still have not even addressed the obvious large charges on this account. In addition why would my payments suddenly go from {$290.00} to {$620.00}? 

Payments XXXX NSF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX*XXXX XXXX XXXX The companies previous response/ what I am responding to. 

XXXX has researched XXXX complaint and has determined that this loan has been paid down from its original balance. The original loan amount was {$7500.00} and the pre-paid finance charge was {$370.00} ; therefore, the amount originally owed was {$7800.00}. XXXX current loan balance shows as {$6700.00}. Additionally, by reviewing the monthly statements submitted to the CFPB and XXXX account, the loan has not negatively amortized. He has incurred many NSF fees which has added to the overall outstanding balance of the loan, but these NSF fees have not caused negative amortization of the loan.
Consumer complaint received 2015-11-14
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Bliksum, LLC (ME)

Loanme.com solicited me for a business loan.I sent them bank statements and personal info as well as business info.I asked to borrow XXXX.They came back with an interst rate of 132 %. Not sure that is even legal.I specified that I was looking for a legit offer and not something predatory.I did not want to submit info if it was a waste of time.If I accepted the terms I would have to pay back XXXX.Really? What kind of outfit is doing business here?
Consumer complaint received 2016-05-07
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (IL)

Barclays Bank of Delaware can not provide or produce account level validation for the account and did not provide per a certified mail receipt sent XXXX XXXX, 2016 signed by them. They continue to report on credit reports in violation and misrepresentation of my FCRA rights. They have provided a false application without a signature that was not opened by anyone, it is merely a computer generated " report '' of my account. There is no signature and is reported to be a Barclays Card. I NEVER opened a Barclays Card ever. They are misreporting on my credit reports and they are sending false information to show an account was opened which is illegal and is fraud. They continue to report a false account.
Consumer complaint received 2016-11-12
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BARCLAYS BANK DELAWARE (IL)

In 2014, I applied for the Mastercard XXXX card. I received the card and was given a XXXX dollar credit limit and required to pay an annual fee of XXXX dollars. I kept up on payments for approximately 6 months and suddenly my credit was dropped to XXXX dollars. This I believe is a breach of contract -- afterall, why would I originally apply for a card that would only give me XXXX credit. I ca n't get rid of the card because it would hurt my credit score. I do n't want to pay XXXX dollars a year for a card that would only offer XXXX dollars after both parties originally agreed to a XXXX dollar credit.
Consumer complaint received 2017-01-09
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (TN)

My XXXX Mastercard was lost and used without my permission in a state that is atleast a thousand miles away. I did not participate or receive any goods or services so I filed a fraud claim with Synchrony Bank and I received a fraud investigation form and was told it would be investigated. I completed the form and sent it in and received a letter confirming the fraud had been investigated and they found my fraud claim to be valid after they researched it and looked into. The charges were made in a state thousand miles awat. So I received a letter saying that they had researched it and found in my favor and all fees and charges had been credited back to my account there was an adjustment done for XXXX for the fraudulent charges and I paid the remaining amount that was due on the account, now all of a sudden after telling me that I was not responsible after they investigated and even sent me a letter to confirm I was not responsible after investigating they came back in to my account and charged the charges back to my accounfter they told me that I was n't responsible. So I called and spoke with an account manager who is now claiming there is nothing she could do. Why did you send me a letter confirming I was not responsible after you investigated and now all of a sudden you are saying that I am. Why send me a letter saying I was n't responsible and then say I am. These charges werent even made in the state I live in or a state that I have traveled too ever!!
Consumer complaint received 2016-04-26
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MI)

My home mortgage with XXXX was transferred on XXXX. I received the new mortgage billing statement from Ditect Financial LLC after senting XXXX payment to XXXX within the grace period. Subsequently, I got Ditech statement with a {$77.00} late fee instead of usual {$19.00} fee. My wife tried to get the increase clarified, but was only told we owed {$630.00}. Please help us get the matter resolved. Can the new mortgage company charge almost {$100.00} in total fees?
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (KY)

I am currently with Navient student loans. I re-consolidated my student loans with them with a total of XXXX XX/XX/XXXX. I have contacted them about payment options that would be available to me since then multiple times. They constantly tell me that the payment option that I currently have would be the only option for me. Then they have put my account of forbearance a few times. Now it is XX/XX/XXXX my balance is {$31000.00}. I just made a payment of {$170.00} and my payoff balance has went up not down. I am making a monthly payment but it is not helping me at all. My balance keeps increasing with every payment that I make. They have me set to pay off my total in XX/XX/XXXX with paying XXXX every month at that time. 
Every time that I call them I am told that I am on the only payment option available to me and that if I can not make my payments the only option I am given is forbearance. I have not been late except when trying to find options from them. 
Now at this time the interest payments for my account is XXXX but my monthly payment is XXXX so I am leaving XXXX every month that keeps adding to my total. I am NOT making a difference now.