davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (IL)

I opened a Citi checking account under a promotion code and after meeting the requirements I confirmed with a representative via email ( attached ) that I completed all stated requirements and I will receive the bonus points within 90 days. 
Citibank closed my checking account about a month ago without notice or cause and refuse to issue the promised points.
Consumer complaint received 2021-11-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

CREDIT BUREAUS ARE IN THEIR VIOLATION OF LAW FOR NOT CONDUCTING AN INVESTIGATION REGARDING ON THE FRAUDULENT AND MISLEADING ACCOUINTS REPORTED FROM MY CREDIT REPORT.
Consumer complaint received 2016-03-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (GA)

Dear CFPB, On XXXX/XXXX/2015 my loan to value reached XXXX %, but Ditech did not drop my PMI in fact my loan to value is less than XXXX % now, and I 'm still paying PMI. 

I read in your website it should be automatically drop when it is 78 % loan to value. 
I want Ditech to drop my PMI and pay me back all of the money that they took from me since XXXX/XXXX/2015. 
thank you XXXX XXXX Property address XXXX XXXX XXXX XXXX XXXX, GA XXXX ACCOUNT NUMBER XXXX
Consumer complaint received 2016-02-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (MO)

My servicer of my mortgage is Seterus. As of XXXX XXXX, they paid the wrong hazard insurance co. XXXX XXXX, in the amount of {$1700.00}. I contacted XXXX XXXX of the error, and they sent me a check in that amount. I was told to send this check back to Seterus. from an agent from Seterus who told me to send this check to an address in XXXX Co. I was told later that was an incorrect address. I wrote on this check for Escrow Account only!!!!! since my escrow account had a minus amount at that time due to this payment to XXXX XXXX. Then this check was wrongfully put on my loan balance. I have continued to make calls to Seterus to try to get this issued resolved. They give me the run-around, like my XXXX payment was sent back to me, NOT!!!! and a reversal, was done NOT!!!!!, OR I would have to HAVE ANOTHER analysis of my ESCROW, which would also be delayed. Seterus owes me {$890.00}, out of the check I sent them, and they continue to raise my payment, they say because my escrow had a minus. Seterus has sent me a letter stating my loan payment had a balance of - {$1200.00}. THIS IS WRONG AGAIN. I TRIED TO AGAIN CALL, to resolve this mistake, nothing was done again.Then came a letter from them stating I did n't owe a payment until XXXX. WRONG again!!!!! What do you have to do to get a resolution from them? They say my payment this month for XXXX XXXX is {$670.00}, which was also paid for XXXX XXXX. for that amount. My payment should be {$600.00}. I have had numerous issues with Seterus since my loan was transferred from XXXX.The same problems exist always. I pray something will be resolved, my money returned, and my payments to return to the correct amount.
Consumer complaint received 2016-03-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

I am filing this complaint because XXXX ignored my request to provide me with the necessary document that their company has on file that was used to verify the accounts I disputed. Being that I have gone past the 30 day mark and can not verify theses accounts, under section611 ( 5 ) ( A ) of the FCRA -they are required to ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you!
Consumer complaint received 2017-03-18
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: VW Credit, Inc (CA)

I sold my car back to VW as part of the diesel settlement. The car was financed with VW Credit and when I sold the car back on XX/XX/XXXX, they only gave me credit for the payoff amount as of XX/XX/XXXX, when the buyback was approved. I was told VW Credit would refund the difference to me once paid off. 
VW Credit is delaying sending me back the over payoff of the loan. They first are saying they did not get the funds from VW corporate to XX/XX/XXXX, 14 days after car was sold back to them. They are now stating they need 17 days to allow their internal transfer to " clear ''. They are stating even after the transfer " clears '', they will take 2-5 days to issue a check and another 7-10 days to mail the check to me.
Consumer complaint received 2015-05-29
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (MA)

Automated payment that I setup with Synchrony Bank/XXXX was flagged as fraud by my bank. The payment was thus denied to Synchrony and ended up late. I have since setup a new recurring payment but Synchrony needs to reverse the XXXX dollar late fee they charged my account since they were flagged as fraud by XXXX XXXX XXXX.
Consumer complaint received 2015-09-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

Conns Applicances keep calling this business phone XXXX XXXX trying to get into contact with an employee who is no longer with us but they constantly harass us with calls XXXX times a day. We ca n't run our business properly if they are constantly calling. It 's become a harassment at this point and we just want it to stop.
Consumer complaint received 2016-06-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (GA)

XXXX is using my credit report against me for a debt that was past due in 2006 and is now paid off it is to old to be on my credit verifies the debt sure the have my ss # and address that does not mean they can report an old debt.
Consumer complaint received 2016-06-21
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (IL)

I received an email with my online statement from a credit card I have not used in 3 years. I called the credit card company, described the situation, and they miscoded the claim so it was not put in as a fraudulent charge. I have received statements every month, and have called every month to verify that the charges were being looked into as fraud, and each month I have been told that they were incorrectly coded, they were fixing the issue that day, and I should n't worry about statements as the investigation was continuing and could take up to 60 days. Over the last week, I was receiving calls from a collection department because I was n't making the payment toward the fraudulent charge! I went through the process again yesterday, and called back today just to see if the person I had talked to yesterday had changed my account, and the man I spoke to today still had to make changes to the account. I ended up having to ASK him to listen to my past 5 or 6 calls with the company and get this fixed so I would not be in collections for THEIR mistake!
Consumer complaint received 2017-02-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: URS Holding, LLC (OH)

I have collection from XXXX University ; and I lost my job and Could n't pay for 3 months to the XXXX University and they send me collection for ALLTRAN ED I did agreement with ALLTRAN ED and I 'm paying every month without any problem But they do not inform credit bureau about agreement plan and about my payments I can not get any loan my credit history is very low. I cant fixed by credit history I called XXXX University XXXX department tried to explain the situation and asked them if they could recall my debt from collection agency but the XXXX University not willing to help either When I call collection agency they are telling me they will inform next 15 days or next 30 days or next 60 days they will inform bur already over 1 year they still did not informed still they do not want to inform credit bureu about payment plan and my peymants
Consumer complaint received 2016-07-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SIERRA PACIFIC MORTGAGE (MA)

My mortgage lender, Sierra Pacific, is responsible for paying my home owners insurance along with taxes but they never sent out payment for my insurance and I was not notified until after my insurance had already been cancelled for 10 days. I have been going back and forth between my lender and the insurance agency and payment has still not been made. They are refusing to send payment until forms and what not have been sent yet A ) the forms have already been sent and B ) it should have never gotten to this point! What and I paying every month for. If anything happens to my home I want Sierra Pacific to be held 100 % responsible for all damages!
Consumer complaint received 2015-05-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CO)

I had a collection that I paid off XX/XX/XXXX the creditor did not report so I disputed the item XX/XX/XXXX the creditor reported however that did not report the correct info and since it was disputed once experian will not allow me to dispute it again even though it 's a completely different issue. It may seem like I 'm splitting hairs but The way it is showing on my report is unacceptable because it shows negative and could be perceived as a still open collection. The creditor did put in the notes the account is paid and closed but that also needs to reflect on the acct status because someone might not read the notes. They also failed to report the balance and the reported that I only paid {$53.00} when I paid {$60.00} the reported in XX/XX/XXXX and XX/XX/XXXX that I still owed {$21.00} and that the account is still in collection. With these issues it makes it look like the account is still in collection and that I still owe {$21.00}. The account needs to show paid and closed with a zero balance with the correct amount that I paid and when it was removed from collection
Consumer complaint received 2015-08-23
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (OR)

XXXX/XXXX/2015 spoke with Quicken loans and provided my credit card number for a deposit for an appraisal. Locked rate good until XXXX/XXXX/2015. XXXX/XXXX/2015 credit card charged {$400.00}. XXXX/XXXX/2015 Appraisal ordered. Appt set with appraiser for XXXX/XXXX/2015. Appt with appraiser cancelled by Quicken x XXXX without notification to me or explanation. Appraiser informed me that XXXX asked her the following day on both occasions to rebid the appraisal. Difficulty obtaining information from XXXX on several occasions. Requested my money back. Deposit agreement states " If your application is denied or withdrawn, for any reason, we will refund your deposit, minus the actual cost of your appraisal and credit report ''. No appraisal has been performed. I 've requested XXXX times or more that my money be refunded and XXXX has not responded to my request or refunded my deposit money. Email from XXXX of Quicken Loans dated XXXX/XXXX/2015 XXXX XXXX quoted below, but I have yet to have my money refunded. I have been contacted by XXXX XXXX via phone XXXX and have returned her calls x 2 requesting my deposit money refunded but she has refused to respond to this request simply returning my calls and wanting to " explain '' but making no response to my request for why my deposit money has not been returned. Contact information : XXXX XXXX Solution Consultant, ( XXXX ) XXXX ext. XXXX. 
I am hopeful CFPB can assist in obtaining my deposit money. After reviewing other complaints on the internet since my fiasco, I have learned that this appears to be a common strategy for Quicken Loans to refuse to refund deposit money. 


" XXXX XXXXXX/XX/XXXX at XXXX XXXX ( ET ) Hello, I apologize for the frustration. The appraiser is still awaiting assignment, and we will not close by XX/XX/XXXX. I will contact our banker to get your refund, and have the loan canceled. 


Thank you, XXXX '' Thank you.
Consumer complaint received 2016-02-12
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: VW Credit, Inc (IL)

In XXXX XXXX, I purchased and financed a vehicle through Volkswagen Credit. Shortly after, Volkswagen admitted to having deceived its customers through fraudulent emissions practices in it 's diesel vehicles. The vehicle I purchased was a XXXX XXXX XXXX, a diesel car that was impacted by Volkswagen 's fraudulent practices. I have contacted Volkswagen Credit on several occasions to request that the take the vehicle back and eliminate the loan from my credit. I have been told that if I stop paying the car loan, the car will be repossessed and will impact my credit score significantly. I have continued to pay the loan and am current, but feel that there is rampant fraud throughout this issue. I do n't believe myself or other consumers should have an obligation to continue to pay on financing for vehicles that were sold deceptively. I have made no progress working directly with Volkswagen. Seeing as the company sold and financed a fraudulent product, I am hoping that you can help me.
Consumer complaint received 2016-02-21
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: TMX Finance LLC (MO)

I have paid over {$3100.00} in fees and interest on a loan over the last 5 months. 

I took out a Title Loan on my vehicle through Title Max in XXXX XXXX for {$5000.00}. I was told be the representative this a 24 month loan. My payment is $ XXXX over 24 months. At the time I was in a XXXX expecting my pipeline to close. Unfortunately, my loans did not close as expected. 

I have made over 7 payments totaling {$3600.00}. My balance is STILL {$4500.00} from the original loan amount of {$5000.00}. 

I fell behind less than 30 days and Title Max sent me documentation to SURRENDER my vehicle. A XXXX BMW 525XI that I own. 

These company 's need to be fined to the extreme for what they are doing to the public. I thought worst case ... .I pay $ XXXX/mo over 24 months Title Max makes {$7400.00} on the car I own. 

PLEASE PLEASE!!!!!! FINE this company and shut them down!
Consumer complaint received 2017-03-19
Product: Credit card — 
Issue: Privacy — 
Company: SYNCHRONY FINANCIAL (OH)

My fiance and I both have individual credit card accounts with Synchrony Bank, along with one joint account ( account is in both our names ). I received notification from Synchrony that they had added two of my individual accounts ( accounts in my name only ) to my fiance 's online profile. This means that he has access not only to his individual Synchrony accounts and our joint account, but also to the account information for credit cards in my name only. Synchrony should NOT have exposed my personal information from my 2 individual accounts to him ; he did not have those account numbers nor my social security number, and did nothing to facilitate those accounts being made available to him. This is unacceptable and a mis-management of my personal information. I spent about an hour on the phone with Synchrony, explaining the issue to 3 different people. No one took ownership of the issue ; instead, they told me " it could n't happen '' ( in spite of the emails I received from them and confirmation from my fiance that those accounts were displayed to him as being able to add to his profile ) ; they also told me he could just delete from his online profile, if he did n't want to see my accounts. They are OBVIOUSLY missing the point and refusing to hear that they have violated my privacy by sharing personal/private individual account information with someone who is not listed as joint cardholder or even an authorized user on the accounts. I have no idea if this issue only occurs in scenarios where people share a joint account through Synchrony and also have individual accounts, or, if there is an even larger bug in their system where they are exposing my account information to people I do n't even know. Synchrony must be able to discern which accounts are appropriate to show an individual. Only the joint accounts should be exposed, along with only the individual accounts belonging to that person, and NOT the unrelated individual accounts belonging to the other joint cardholder. Synchrony needs to take greater responsibility in handling the private data of its customers, and most certainly needs to train their customer and fraud support teams to listen to and act on customer complaints when a privacy violation has occurred.
Consumer complaint received 2016-09-27
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Crow Creek Sioux Tribe (FL)

In deciding whether to categorize it as a payday loan or installment loan, the issues that best describe the problem falls under the payday loan category. The company claims to be an installment loan provider ( yeah, right ). The installment loan which is setup and works the same as a payday loan, high interest rate and requires payment of interest on each payday. They just have it setupover a longer period and the entire principal and interest is not due on paydays only the interest payment. It is a revolving payday loan, not an installment loan. The company is not licensed by the State of Florida as I am a Florida resident. I did n't realize this until after I took the loan out and tried to make settlement arrangements and was unsuccessful. The loan process was conducted over the internet not on the tribal reservation. I did not realize the high interest rate and terms of the loan was not in compliance with Florida regulation. After experiencing a financial hardship, I contacted all of my creditors to make payment arrangements on loans I owed, I was successful in getting settlements based on the amount of the loan not the high interest rate and all of them stop the interest rate or cancelled the interest except this company. I borrowed {$770.00} on XXXX XXXX, 2016 and made XXXX interest payment of {$230.00} on XXXX XXXX, 2016. I contacted them via phone on XXXX/XXXX/2016 spoke with XXXX, they informed me the following was the only arrangement they would accept and followed up via email as well. They told me my balance was {$4400.00} and they would settle for {$2200.00} and I would have to sign another ach authorization for them to debit payments. They claimed to have soverign immunity however I have immunity as well from tribal laws as I am not a member of the tribe, did not conduct business and never been on the tribe reservation. Therefore, I do not have to abide by tribal laws. I have tried on several attempts to settle the debt for the amount borrowed. They want a prearrange amount for the entire contract amount including interest through the duration of the loan period. This is a very illegal and unfair debt collection practice.
Consumer complaint received 2016-01-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: SYNCHRONY FINANCIAL (CA)

Syncrhony bank payment history of false penalty of 30 day late notice : 1 ) Paid {$30.00} dollar payment on XXXX/XXXX/15 2 ) Late fees charged on XXXX/XXXX/15 equals {$35.00} 3 ) Interest charged on XXXX/XXXX/15 equals {$2.00} 4 ) Payment due on XXXX/XXXX/15 equals {$44.00} 5 ) Paid full balance on XXXX/XXXX/15 of {$140.00} Synchrony on XXXX/XXXX/15 put a negative 30 day non-payment on my XXXX credit report. Total time between XXXX/XXXX/15 and XXXX/XXXX/15 equals 12 days, not exceeding the 30 days late period. 

I see many negative reports regarding the business practice of this company in regards to customer service and billing. I 've held a XXXX plus credit score for many years only to have this company drop me by XXXX points due to their unethical business
Consumer complaint received 2015-05-27
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL (MI)

I purchased an item from a retail agency ( XXXX ) and it arrived damaged. Upon calling to return the item ; I was denied that option repeatedly despite of their return policy. I called Synchrony bank for assistance, they credit my card but placed the charge back on my account. I submitted proof and they refused to credit my account. Upon talking with the rep from XXXX I was told that the rep from Synchrony was a friend and he was n't worried about a charge-back. I wrote to the XXXX ; however they stated that they could not force a resolution. I canceled my credit card due to Synchrony does not support its customers.