davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-23
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (FL)

I am filing to have a lien held by CitiMortgage on my property at XXXX, FL XXXX removed. This lien was included in a bankruptcy filing by my wife XXXX ( see attached Schedule F, list of creditors ). This lien should have already been removed. 
CitiMortgage stated in a letter copied to Consumer Financial Protection Bureau, dated XX/XX/XXXX, that " XXXX ' bankruptcy filing had no impact on the property located at XXXX, FL, XXXX. '' This is incorrect. I have attached court documents from XX/XX/XXXX and XX/XX/XXXX that list XXXX as the representative of CitiMortgage/XXXX and clearly identify the property at XXXX, FL XXXX by both the postal address and the legal description of the property.
Consumer complaint received 2016-10-14
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (IL)

1. I applied and was approved for the Citi XXXX Credit Card on XXXX/XXXX/2016 and provided address A on the same day. 
2. I changed my home address on XXXX/XXXX/2016 because of moving and gave them my address B, however I have n't received my credit card until XXXX/XXXX/2016. During this time, I have told 10+ time my new address B ( which is the same one I provided on XXXX/XXXX/2016 ) over 10+ call with Citi. 
3. On XXXX/XXXX/2016, I wanted to pay for {$700.00} balance in my tuition online ( which is a legit school website ) and my card was declined for no reason. 
4. I immediately called Citi and they told me that because my phone number is invalid ( which is unreasonable because I am calling them from that phone number all the time ) and I do n't have a homeline ( I only have a cell ) and I do n't have another Citi credit card with them. So they CA N'T verify my ID. They told me the only way to verify my ID is that they will send me a letter in mail and I should follow the instruction. 
5. Today is XXXX/XXXX/2016 and until today I have n't received any mails from Citi. 
6. I called Citi on XXXX/XXXX/2016 asking about the letter in mail and they told me they would send me another one. 
7. To conclude : I applied for this credit card on XXXX/XXXX/2016 and I ca n't even use my card for XXXX time as of XXXX/XXXX/2016 and I do n't know how long I have to wait.
Consumer complaint received 2016-01-17
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (FL)

I opened a Macy 's credit card account XX/XX/2015. I set up bill payment through my bank account, with their approval. This worked for one month but no other bills appeared. They started calling, asked for payment. When I returned the collection call, the rep investigated and admitted that they had " changed their system '' and had not in fact notified me of that, nor had they sent a bill. The rep said they would send a bill and eliminate any " overdue '' charges. The bill did not arrive. I asked for a bill on the phone, repeatedly, without success. Finally, I sent a registered letter. Now I have received the itemized bill. I have sent a check for the purchase amount. However, they have added " finance '' charges dating back to XX/XX/XXXX, before they sent the bill. My credit record is nearly perfect and I do not want any blemish of any sort.
Consumer complaint received 2017-03-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (IN)

Transworld System Inc XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX sent false debt collection letter for a {$680.00} debt to XXXX XXXX XXXX XXXX. I have never heard of, less been to XXXX XXXX XXXX XXXX. They carefully omitted the details of who it was and the details of who actually owes the debt and imply it 's mine. This is deliberate corporate malfeasance.
Consumer complaint received 2016-05-13
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (AZ)

I came to an agreement with the collection company on settling my debt. After receiving an offer letter and fully paid letter from the collection company, I still have not received any communication from the original debtor, which in this case is Citibank. It has been over 2 months since the debt was " settled ''.
Consumer complaint received 2019-02-17
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: EQUIFAX, INC. (CO)

I have filed 2 police reports for identity theft and they have proof and security freezes on my credit. I sent letters advising there are unauthorized and fraudulent credit inquiries on my credit and they refuse to remove these. I can't access my credit when I request credit but EVERYONE else can. I put that any inquiry needs to contact me at my number on file yet they did not and gained access to my credit. They sent me notification they received my disputes but refuse to remove them. And its negatively affecting my credit score and credit report. I'm requesting all inquiries be removed from. 2017 to now unless I have an open account with a company listed on my credit report
Consumer complaint received 2016-11-02
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (CA)

I have a Best Buy credit card with Citibank as the underwriter. Citibank has sent notices that state they are charging a late fee of XXXX $ despite the CARD Act 2009 that clearly indicates late fees can not exceed XXXX . I have told them this repeatedly but nothing has changed. Furthermore, I have been told that they are removing my late fees only to later find that the late fees have not been removed and Citibank then charges me another late fee on top of the previous late fee. This deception and fraud has been going on since XXXX XXXX
Consumer complaint received 2016-08-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (FL)

Citimortgage was sued successfully by the National Mortgage Settlement and by a class action lawsuit for force placed insurance vs the State of New York. I was fighting my foreclosure case from XX/XX/XXXX to XX/XX/XXXX. During this period, no funds were awarded to my loan and before an auction date was set, they sold my debt to XXXX XXXX XXXX. I firmly believe, in my own opinion, this was an attempt to ignore legal responsibility and make said settlements " disappear ''.
Consumer complaint received 2016-09-04
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (PA)

I have been a Best Buy Credit Card holder since XX/XX/2012. I am trying to pay off a balance but I have noticed that it does n't seem to be changing, so I decided to go online and review my account statements. I normally just go online and pay my bills since I have a general idea of what I owe. When I took a closer look I noticed I was charged a fee for what I now know is a " Debt Protection '' program that I never signed up for. I immediately called the credit card company and questioned this charge. After speaking to a " Debt Protection Specialist '' I found out that I was signed up for this in 2012 ( which I never did ) and I have paid {$820.00} into this program ( Not including any potential interest accrued ). They could not tell me where or when I was signed up for this program. I immediately had it cancelled. Again, I asked specifics of how I was signed up for it and proof. The woman, XXXX, put in a request for the proof and a request for a possible refund ( I was told it will take 30 days just for a response ). I asked for documentation that there will be an inquiry and was told that the documentation I would receive in the end was the only documentation they could provide me with. Basically the specialist can only submit requests and can not help you with any documentation. After the phone call I scoured my records and found my original paperwork from the initial credit card application. There is no mention of any form of " debt protection '' fees that I allegedly signed up for. In fact, the fees section is completely blank on my paperwork. I would have never knowingly signed up for such a thing because it is simple not cost effective ( I recently read about the details online ). I did not sign up at the time of the credit approval ( no documentation of fees on my paperwork ) nor would I have done so after. I did n't even notice the charges because they were small to medium amounts and I normally pay my bills online and since this has been happening for so long, my balance never looked " wrong '' to me ''. I do not know if this is some sort of scam guised under false pretenses to deceive the consumer or if it was an honest mistake. I know that I should have caught this sooner, but regardless it was something that happened that should not have happened. I am outraged that this is a practice of the company and expect them to remedy this issue.
Consumer complaint received 2017-03-12
Product: Credit card — 
Issue: Other — 
Company: Synovus Bank (MO)

XXXX XXXX, Missouri Re : Balance Incorrect on First Progress Credit Card On my Credit Reports with the XXXX agencies, First Progress is showing I owe Then {$470.00}. That amount is incorrect I owe them nothing. This was an Unsecured Credit Card with my Deposit of Cash for {$300.00} for a {$300.00} Credit Line. 

I asked for them to Close the Account because I do n't Trust Them. 

I want to correct information sent to the XXXX Reporting Agencies that I Owe them nothing and the Account Closed with No Balance Owed. 

XXXX
Consumer complaint received 2016-06-09
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

I placed an order for a medical supply, which was delivered after the required date. The merchandise was returned to and accepted by the shipper. I have provided all the documentation requested by Citigroup 's dispute department, include a letter from XXXX confirming return of the shipment. The Citicard credit card company is refusing to issue a credit for the amount of purchase.
Consumer complaint received 2017-05-23
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. (KY)

XXXX   XXXX   XXXX   XXXX   XXXX  claims that I have  XXXX  charge off credit cards in unknown, unidentified amounts. Disputed multiple times, they say they are verified without sending me validation of original paperwork with my signature in wet ink.
Consumer complaint received 2017-01-28
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: EMCC Holdings, LLC (CA)

I 'm getting calls from Equiant ( sometimes a debt collection agency, other times not, depending on who I talk to ), claiming I owe on a timeshare account with a separate company, XXXX. Although I do own a few different accounts with different resorts, I could n't recall ever signing up with XXXX. I finally found bank records of their withdrawls from my account, which I 'd overlooked originally as I do not have any automatic payments set up with it, or so I thought. I understand that, in each notice sent to me from XXXX ( nothing sent from Equiant ), I 'm entitled by law to a written notice of my right to dispute this " debt ''. I have received no such notice. Furthermore, several other discrepancies have led me to question the existence of this " debt collection agency ''. 
Along with the lack of written notice of my right to dispute, I requested a copy of the contract be sent so I could verify the debt. I was told that a request by Equiant to XXXX to send the contract to me had been submitted, but that it would take longer than I had to wait before the account was reported to major credit bureaus and my credit rating would go down. In other words, pay before I can verify the debt, or else bad things will happen. I did receive a virtual copy of the contract from contacting the resort itself ; though I 'm still awaiting a hard copy. I 've also received a virtual copy of the auto-pay document that my late wife and I apparently signed. I began my own investigation of this company ( or companies? ), along with the help of my local congressman, at first because I had wanted to dispute the debt. Assuming all of these documents are valid, I can not dispute it. So my concern turns to possible infringements of certain rights of mine by Equiant and/or XXXX. They did n't supply written notice that I could dispute the debt within thirty days and, in fact, I have received nothing from Equiant in the mail at all. My latest step in resolving this matter was to inform XXXX at XXXX XXXX services that the payment I was sending, which covered the two months of late charges that were unpaid, were to be the final payments for that account until I got a hard copy of contract.
Consumer complaint received 2017-10-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (KY)

I filed a XXXX XXXX XXXX in XXXX of XXXX And both navient accounts were supposed to be XXXX however it never did and sent both accounts to collections I tried talking to navient but they were only interested charging me full price which far exceeds original loan amounts Also the loans were originally under XXXX XXXX before becoming navient the account originally went negative in XXXX when I went to XXXX XXXX service As being over 7 years of initial negativity Both accounts should be removed from my 3 credit reports they also filed a lot of misinformation in my file
Consumer complaint received 2016-05-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (FL)

I took out a loan in XXXX with Washington Mutual for {$780000.00}. I feel it was a predatory loan where I had a negative amortization payment before I had financial hardship and filed for Bankrucpty in XXXX. I have been trying to obtain a loan Modification ever since. I have been denied and have a sale date on my house for XXXX XXXX, XXXX. I feel that the their may be XXXX or more of the following violations : VIOLATION OF TRUTH-IN-LENDING ACT ( XXXX XXXX XXXX ETC ) VIOLATION OF XXXX WALL STREET REFORM AND CONSUMER PROTECTION ACT ( Pub.L. XXXX ) IMPROPER SECURITIZATION AND TRANSFER OF LOAN : Fraudulent concealment and violation of lender 's own underwriting guidelines. 
Violations of the Real Estate Settlement Procedure Act ( RESPA ). 
Systematic creation of false and inflated appraisals encouraging borrower ( s ) to commit to the loan under false pretenses. 
Fraudulent endorsement and falsified disclosures prior to commitment. 
Fraudulent endorsement and/or transfer by XXXX 
Beneficiary process, rights to foreclose, robo-signing documents. 
Phantom investors and signing beneficiaries. 
FAILURE TO MODIFY LOAN TERMS UNDER FEDERAL QUALIFYING GUIDELINES.
Consumer complaint received 2016-03-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (NM)

On XXXX XXXX, 2016 at XXXX XXXX, I received a call from ( XXXX ) XXXX. The caller was female and stated she was with Transworld Systems and asked me to verify my identity ( last XXXX of my social and/or birth date ) before she could disclose why she was calling. I told her that seemed fishy and I would not give any identifying information without knowing why they were calling. She refused to give more information and said they would contact me by mail. I conducted a reverse lookup on the phone number and it returned to an individual located in XXXX, TX, not any company. 

Today, XXXX XXXX, 2016 I got a call from ( XXXX ) XXXX. I have had repeated calls from this number and no one ever answers on the other end. I had a call from this number on XXXX XXXX at XXXX, on XXXX XXXX at XXXX, and today at XXXX. I chose to call the number back to ask to be removed from their call list. The person answered as " Transworld Systems '' and asked who I was. I gave only my first name and told them I wanted my number removed from their list. She asked if I was ( my first and last name ) and I said yes, then she said they had been trying to reach me. I told her that I had already spoken to someone and they refused to tell me why they were calling. I also told her that I have no outstanding debts and that there was no other reason for them to be contacting me. I asked to speak with a supervisor to be removed from their call list. She never offered to transfer me to a supervisor, but confirmed my telephone number and said I had been removed from their call list. When I looked up this phone number, it did not come back to a company, but showed up on a list of possible scams.
Consumer complaint received 2020-04-20
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: CITIBANK, N.A. (CA)

Hi, I have two hard inquires on my credit report for two companies I did not apply credit cards for. These are the following two companies 1. XXXX XXXX 2. Cbna I've contacted them and do not want to take them off my credit report. I had some issues in the past where I've been a victim of identity theft and it seems like they still have some of my information. It's really affecting my credit score and my ability to get further credit.
Consumer complaint received 2017-05-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (TX)

XXXX   2016 ,  Selene Finance w rote and said that I was 18 months behind on mortgage payments, and when I submitted proof of all payments to the lawyer- they sold my account to  XXXX   XXXX  2016  The very first letter from  XXXX  stated that I was behind in paying them, they never send a statement saying how much to pay, or that payments have been received or a payment book or anything.   I paid a company named  XXXX  to help, only to have them ask for more investigational money ... ... I am so tired I could scream ....
Consumer complaint received 2016-12-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SUN LOAN COMPANY INC. (AK)

I do n't know, someone else 's loan. 
SunLoan.com Does n't understand Do-not-call list rules ; asked to be removed from being called two months ago -- calls again.
Consumer complaint received 2017-02-04
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

I sold my property 2 years age and paid off the loan serviced by GreenTreeServicing LLC. They continue to report that I have not paid the loan and that I still owe on it, when it was clearly settled. This is affecting my credit reports as they are being non cooperative.
Consumer complaint received 2020-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

I have disputed the incorrect name reflecting on my credit report at least 4x 's in the past 6mths, via online disputes and only half the report gets corrected. 

My name is XXXX XXXX XXXX. I am not sure how an incorrect prefix of XXXX keeps getting attached. I submitted a dispute on XX/XX/2020, regarding the incorrect prefix reflecting on my name and provided a copy of my Drivers License and received an email on XX/XX/2020 indicating that my dispute was completed, however my name on the credit file still shows incorrectly.
Consumer complaint received 2017-02-10
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: GVA Holdings, LLC (PA)

I took a loan from " Northern Plains Funding '' for {$500.00}. The monies were credited to my bank account on XX/XX/XXXX. From XX/XX/XXXX, I paid a total to them of {$1500.00}. 
On XX/XX/XXXX, when inquiring about my loan balance, they " offered '' to refinance the " current principal balance '' of {$490.00}. I agreed, with the intention of lowering the bi-weekly payment amount. 
So from XX/XX/XXXX to XX/XX/XXXX, with bi-weekly payments of {$150.00}, only {$6.00} had been applied to the principal. 
Since XX/XX/XXXX, I have paid a total of {$1200.00}. That brings the total amount paid to {$2700.00} on a {$500.00} loan. 

I have since realized the online/payday/tribal loans are illegal in the State of PA where I reside. I have obviously paid this loan in full 5 times over- plus some.
Consumer complaint received 2015-06-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (TX)

I had a loan with XXXX for my 30 year mortgage. It was sold last month to Chase mortgage. Ok, no problem but I was paying half in advance to reduce my total interest through the life of the loan. Chase says they do n't do that. Now I 'm being penalized as a consumer for no fault of my own. Should n't I have the same loan I had previous? Also earlier I had the loan with XXXX and they sold it to XXXX with the same loan payment schedule as well.
Consumer complaint received 2016-11-09
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (IA)

We were contacted by a former neighbor of ours telling us that the current owner of the house we sold to him in XX/XX/XXXX had received a credit card in his mailbox with my name on it. I drove over to my former address and retrieved the credit card. The card was a Chase Signature Visa Amazon rewards card. I had not applied for this card, and was shocked that it was sent to an address I had not lived at for 3 and a half years. I called Chase Bank and a customer service representative told me that they had received an online application for the credit card on XX/XX/XXXX. Again, I did not submit this application. I asked Chase why their computer systems were so poor that they could not recognize the disparity between an old address and a current address. They had no explanation for it. Had the gentleman that bought my former home in XX/XX/XXXX not taken the trouble to alert me, who knows how this problem would have evolved. For now, I have placed a 90 day freeze on my credit activity through XXXX. The Chase representative closed the account and noted the activity as fraudulent. He claimed that the XXXX credit bureau would be notified about this credit event as fraudulent also. Given the depths of the current XXXX bogus account creation scandal by their own employees, I find what Chase Bank did in this case highly questionable. Is it extreme sloppiness, or was it deliberate? Either way, sending out a credit card to an address over three years old is completely unacceptable.
Consumer complaint received 2016-04-08
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (MI)

I 've filed a complaint against JP Morgan Chase Bank # XXXX. As of XXXX XXXX, there has NOT been a resolution of my brothers ' asset. We have XXXX CD, XXXX with XXXX. Chase has NOT honored these CD 's. The branch offices were unable to process these accounts. After his death, in XXXX XXXX, there were XXXX Investment accounts totaling {$49000.00}. As the Executor of the Estate, I requested to consolidate and cash in these accounts. I was told they could only find XXXX account for {$24000.00}. ( where 's the other {$24000.00} account ) They have the DEATH & the Appointment of EXECUTOR certificate on record. They have removed my named from a CD in XXXX XXXX. The branch office CAN NOT, HAVE NOT helped with these Asset information. " XXXX '' or " In Trust For '' funds are n't estate funds. Who is keeping their records?