davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit act XXXX XXXX Acct # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2016-06-19
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION (FL)

After the death of my father, I went with my mother to her local branch of BB & T located at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. The purpose of this XXXX XXXX, 2016 visit was to remove my father 's name from their safety deposit box and add mine. We dealt with XXXX XXXX, Branch Manager, and XXXX XXXX, Branch Banker. The latter was XXXX who worked with us on the paperwork. On XXXX XXXX, 2016, I received an alert that a hard pull had been done on my credit. I complained to BB & T that 1 ) they did not have a legitimate business purpose for accessing my credit information and 2 ) that I wanted them to remove the credit inquiry. I received a call on XXXX XXXX, 2016 from a representative from BB & T bank. This rep stated that they did have a legitimate business purpose. She did not cite the specific part of the FCRA to which she referred, but did mention that BB & T was required by law to check to make sure I did n't have any fraud claims against me, etc. if I was to be named on a safety deposit box ( XXXX can only assume " required by law to consider an applicant 's financial responsibility or status '' XXXX although I fail to understand how it applies ). I then said to her that the check was then complete and the legitimate business purpose had ended. She replied that they had an interest in selling me further services at the bank. I told her that I did not want any services from BB & T and that its " interest '' was unfounded. She said she would put me on a " do not call '' list. I then asked why, if this is such standard practice, I was not notified upon signing the paperwork to add my name to the safety deposit box that I would be subject to a hard credit pull, which would affect my credit score. She replied that there is a " huge '' sign " three times larger '' than any name plate on every associate 's desk making this clear. I can assure you that no such sign was present nor was I cautioned as to the credit pull. I will also mention that it was not until I started this complaint process with BB & T that I was also informed that, by adding my name, I was in fact a co-owner of the box and financially responsible for it. At the time, we and XXXX XXXX seemed to be on the same page that I was simply being granted access to the box -- not a co-owner of it.
Consumer complaint received 2015-07-09
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Rocket Mortgage, LLC (CA)

I received a phone call from Quicken Loans on or about XXXX 2015 informing me I could refinance my current mortgage at a lower rate with no points and no costs. We began the process and locked the rate at 4.250 percent ( with no points and no costs ) and a rate lock expiration of XXXX XXXX. 

I was ready well-before the date, but XXXX was not. When they were ready, on about XXXX XXXX, I was told the rate lock had expired and that I could only have the rate that was promised ( 4.250 % ) if I agreed to pay points ( a little less than 1 % ). It feels pretty much like XXXX pulled a bait and switch, because I can point to XXXX periods in the process where they went radio silent for approximately XXXX weeks in total between the beginning of XX/XX/XXXX and end of XX/XX/XXXX ( this can be documented. ) Additionally, on or about XX/XX/XXXX-XX/XX/XXXX, I sent a series of emails to the loan officer expressing increasing alarm at the looming deadline. 

They do not deny being the cause of the delay that caused the expiration of the rate lock, but they will still not honor the offer made to me originally and that I in good faith moved forward under. I am saddened that I have to file a complaint for them to do the right thing, but here we are.
Consumer complaint received 2016-05-04
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (CA)

My Loan : XXXX at Quicken Loans I originally got started processing my Quicken Loan application with XXXX XXXX ( Mortgage Banker ) and uploaded my Verification of Assets on XXXX/XXXX/2016. However, somehow I lost communication with XXXX, and later on, got in touch with XXXX XXXX ( Mortgage Banker ) on XXXX/XXXX/2016. 

Next, XXXX XXXX passed me XXXX XXXX ( Client Care Specialist ) on XXXX/XXXX/2016 in entering the Underwriting stage of the loan process. 

Keep in mind Quicken Loan 's Verification of Assets says this : To close your loan, we need to verify that you have {$9500.00} in assets for reserves. This amount is subject to change as your loan is processed. Please provide bank, depository or brokerage statements, 401 ( k ), 403 ( b ), a Keogh account or an IRA statement showing a 60 days history for this verification. 

Given that I provided my XXXX XXXX bank statements on XXXX/XXXX/2016 and the Underwriting process started on XXXX/XXXX/2016, I felt Quicken Loan 's Underwriter made a bad decision to have me pay around {$500.00} for the appraisal performed on XXXX/XXXX/2016 when there was a chance the Verification of Assets could be a show stopper. As it turned out, it was a show stopper. According to Quicken Loan, my letter of explanation for assets was decline. So basically, I did a cash deposit of {$2100.00} on XXXX/XXXX/2016, {$3000.00} on XXXX/XXXX/2016, and {$5000.00} on XXXX/XXXX/2016 from my home safety deposit box and this reason was rejected. 

Good business practice of the underwriter should have been take care of all the necessary show stopper paperwork first before having a possible lender pay for the appraisal. 

Given I contacted Quicken Loan based on your recommendation, can you please help me get a refund from my appraisal? 

Thanks, XXXX XXXX
Consumer complaint received 2016-03-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Ihave a prior complaint reference XXXX upon reviewing my credit report the nationstar recast department last year suspended and took my payment history funds and reversed THEM the trying to calculate the applied funds on the recast at different interest rate than the rate that was RECAST AND notarized. Now I have had late fees APPLIED that I had no knowledge AND ALSO XXXX 60 DAY LATES ON MY CREDIT REPORT I TALKED TO NATIONSTAR REP HE SAY H WILL TAKE CARE OF IT BUT I FEEL I HAVE CONTINUE TO EXPOSE THE SHADY DEALINGS THIS COMPANY ENGAGES IN THERE ARE NO CHECKS AND BALANCES
Consumer complaint received 2017-02-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NY)

I tried to consult with chase bank about reopen a checking account but they refuse to do it because they saw a certain transaction about a forge check after I gave my personal information to a person I do not know of from social media chase put my checking account on restriction and permanently end my relationship by switching banks like XXXX XXXX XXXX or XXXX or XXXX and then when I ask when it is going to clear up they do not give any answers and they do not care about former costumers coming back to chase so it will be challenging to open an account I made a huge mistake in the past but chase do not get second chances or nothing the lesson is never give someone your personal information nor password because once they hack accounts and think it is you there will cut you off like that I almost got thrown in jail but at least I filed a police report on a person who steals my identity and hack my report so yeah chase do not care about reopening accounts for the future and do not give answer which strictly NO!!!! 
What can I do to make my financial status feel protected? chase do not want my money because of fraud and I 'm trying to get another chance. What can I do? 
What can I do?
Consumer complaint received 2017-01-19
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ProCollect, Inc. (TX)

I have continuously contacted this company as well as the original creditor to advise them that I did not know this debt. To date I have not been able to resolve this issue. I have provided multiple documentations to this creditor providing proof that this was not my debt, without resolve. This is not my debt and I would graciously appreciate it if this was removed from my credit report. This is affecting my livelihood tremendously.
Consumer complaint received 2016-02-05
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: SYNCHRONY FINANCIAL (CA)

Background : I filed Chapter XXXX BK in XXXX, and XXXX XXXX in XXXX. The Chapter XXXX is satisfied and all payments paid ( at least 1 year paid off ). My XXXX credit score is XXXX as of XXXX/XXXX/XXXX. 

I noticed that SYNCB/JC Penny continues to report status " was in chapter XXXX Bankruptcy '' -last reported XXXX. Is that appropriate reporting? All the other creditor reported once in XXXX.
Consumer complaint received 2018-05-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (NY)

Good day. This has been a long and stressful situation. Due to a reduction of work hours back in XX/XX/XXXX-XX/XX/XXXX because of illness. I fell behind in with payments for my home. I then received legal papers from the loan service company XXXX XXXX based out of XXXX. I hired a law firm that also did loan modifications. We applied numerous times and every time. XXXX XXXX always came back with a denial. always claiming some paper was not delivered or the application wasn't complete. Etc They hired the law firm to start the foreclosure process in XXXX County XXXX. Supreme Court. My lawyer at the time I believe answered every motion and although the state of XXXX XXXX requires the lender to have a preliminary conference to try and settle. Here in XXXX county. We have a judge that deals with his cases in what is knowed as a " rocket -docket " and in over 95 percent of the time doesn't bother to read papers submitted by defendants and always agrees with the banks. He has been reversed a number of times on appeal. No settlement offer was made to my attorney ( he never informed me of one if in fact the lender did ) and the case has proceeded for a few years now. Fast forward to this complaint. I then went to XXXX XXXX housing center which is an approved XXXX XXXX State housing service that is contracted by XXXX XXXX to help homeowners stay in there home and works on dealing with the lenders and homeowners to get loan modifications approved. After meeting with my housing counselor. A few times. Gathering all paperwork that is required from the bank. And submitting my application again. The loan servicing company XXXX XXXX once again came up with the excuse that they didn't receive paystubs. Now please keep in mind. Paystubs is one of the most basic parts of the application and everyone knows that and especially me after dealing with this process as well as a licensed non for profit agency that paystubs gonalong with the application. XXXX XXXX housing crisis has submitted over ten thousand requests and I myself have submitted a few so that was nothing but a blatant lie by XXXX XXXX when it. Denied my application for a modification. This is what these lenders due. It's a well documented process. I have letters from my former lawyers. Letters from the non fornprofit that submitted the last application. And in reading the CFPB role and seeing how you. Have investigated other lenders who partake in these type of rule breaking games such as XXXX XXXX as well as XXXX. I'm filling a complaint and ask that you look at and investigate XXXX XXXX track record and there process. I'm willing to be interviewed and willing to turn over all papers. They have broken and violated the consumer protection boards rules on a number of issues. 1- not meeting timelines to inform applicants about any missing documents2- not acting in good. 3- violations in regards to time deadlines and other issues
Consumer complaint received 2015-11-17
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Data Line Credit Corp (CA)

This collection company has reported information in my credit report without providing adequate proof of the actual debt or original paperwork of ownership of the account. When I called to request this information about the inaccuracy and try to request documentation, the person that answers " XXXX '' was rude and very condescending. When I asked if I could speak with his supervisor, he laughed at me and told me " You can call and request to speak to a supervisor all you want, but you 're not going to get what you want! '' He went on and told me to shut up and listen to him, that I would need to pay for the full collection if I wanted the account deleted from my report. No documents have been provided up to date and XXXX 's and XXXX 's dispute system has not worked for me one bit. There is a message that states that account has been verified, but I still do n't have any original paperwork. I have done research about this collection company and there are similar complaints about this individual XXXX. I find these offenses to be great FCRA violations as I am XXXX and am held responsible for these laws and regulations. I feel that all should be equal and this company DATALINE should be held within the same standards. 


XXXX
Consumer complaint received 2015-10-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Optimum Outcomes, Inc. (FL)

First off this hospital palm springs slandered by saying they accept my insurance XXXX. then they did fraud after they didnt charge my insurance and my insurance had to appeal and negotiate to accept. now they have been harrasing me for the past year with debts claiming to take legal action as they didnt even give me prescriptions and hurt me as a patient. as well the optimum outcomes inc keeps harrassing with services rendered in form of law suit collection
Consumer complaint received 2016-12-21
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (DE)

I submitted payment, via my automatic payments to Synchrony Bank on XXXX XXXX, 2016. On XXXX XXXX, 2016, I received confirmation that the payment had been posted to my account. On XXXX XXXX, 2016 I attempted to make a purchase on amazon.com and the credit card was declined. On XXXX XXXX, 2016 I logged into my account and it showed the account had been closed. I contacted Synchrony via phone and they stated because my payment was returned, they had closed my account. I stated my automatic payments were setup to be withdrawn for a checking account which I recently closed however, they said nothing could be done to the account because the decision had been made to close it. 
When I inquired about why this was done without notification or a chance to pay the outstanding balance I was told they had sent me an email, however, this was not the case. I received no phone call, no US Postal mail and no electronic mail. No contact was made by Synchrony to alert me of a 30 day late notice nor was I informed of a returned payment. 
Once I learned of the issue with the late payment, I promptly paid the balance in full.
Consumer complaint received 2016-04-22
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (FL)

On XXXX a fraudulent transaction occurred for the amount of {$880.00} on my credit card at XXXX # XXXX, XXXX, FL. I was notified by XXXX XXXX Statement ( XXXX ) in my XXXX XXXX, XXXX statement advised them. On XXXX I was advised by XXXX the charge had been denied and had spoken with a XXXX. On XXXX. XXXX my XXXX statement arrived with the aforementioned charge still on the account plus fees and interest charges, totaling {$930.00}. XXXX XXXX, XXXX XXXX email advised a minimum payment of {$56.00} was due on card XXXX. XXXX XXXX. XXXX I contacted XXXX XXXX, XXXX, and she advised Case # XXXX was assigned by the Fraud Dept. 
My XXXX XXXX, statement arrived with a balance of XXXX, credit of {$890.00}, a fee charge of {$2.00} and {$40.00} balance remaining. Called XXXX and the advised not to pay. XXXX XXXX, XXXX statement is {$40.00} balance, fees charged {$29.00}, balance {$69.00}. XXXX XXXX, statement same data. XXXX XXXX statement balance {$69.00}, {$29.00} credit, Fees charged {$54.00}, balance {$94.00}. Called XXXX XXXX XXXX, XXXX, to XXXX, concerning balance now at {$13.00} and would be removed by Monday. Other contacts XXXX XXXX, XXXX, XXXX ( phonetic ), ID, XXXX, and advised account would be cleared as well as the XXXX credit bureau. XXXX XXXX, XXXX sponke to XXXX, ID XXXX and she advised account would be cleared and the credit bureaus. Apr XXXX, XXXX XXXX ID # XXXX, XXXX balance will be indicated on account. XXXX XXXX, XXXX statement recieved balance of {$94.00} and on thier web site. XXXX XXXX, FICO score of XXXX, XXXX, XXXX reduced to XXXX in XXXX XXXX. So far XXXX has not corrected this problem and I have detailed documents of all statement. XXXX has charged meet {$15.00} to XXXX replacements card that I did not order express shipping which adds insult to injury with company.
Consumer complaint received 2015-06-11
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (LA)

Dear Sir or Madam : In Re : Acct. # XXXXI would like to file a complaint with your agency against Syncb/Chevron for none-compliance with the Fair Credit Reporting Act ( FCRA ). I filed a dispute with XXXX for erroneous information being reported on my credit report by Syncb/Chevron. 

On XXXX XXXX, 2015, I sent a certified letter to Syncb/Chevron requesting an XXXX investigation in regard to an account that is pass the statue of limitations and that they needed to submit copies of statements upon request. They fail to comply with that request. 

On XXXX XXXX, 2015, I sent another certified demand letter requesting that they respond to my request ; and again they fail comply with that request. It is illegal for Syncb/Chevron to verified account information as accurate without doing an XXXX investigation for which I am entitle to by law. 

Thank you for what I hope will be your prompt attention to this matter. 

Very truly yours, XXXX XXXX
Consumer complaint received 2017-01-17
Product: Credit card — 
Issue: Rewards — 
Company: SYNCHRONY FINANCIAL (MD)

I open up a credit card with banana republic, which they offered a promotion where your received a {$30.00} dollar award if you make a purchase outside of Banana republic family of brands, which I did. I called up to find out why I did not received the award they stated : they do not do that even though I have documents that show they do.
Consumer complaint received 2015-05-09
Product: Credit card — 
Issue: Other fee — 
Company: SYNCHRONY FINANCIAL (FL)

The credit card is offered to pay for medical or dental expenses and no interest is charged if the balance is paid off within one year. My complaint is that I enrolled in paper less statements and there was insufficient notice that the deferred interest would be charged if account was not paid by XXXX, 2014. However I could not access the account to obtain information as to the start date of the charge so I could be prepared to pay the balance. This has resulted in interest charges of {$750.00} +/- and the original advance was {$2000.00} +/- ( I can not access the history of this account so I can provide dates, etc. ) The deferred interest far outweighs the benefit of the advance. Previous advance was paid in full because I knew the date of the payoff.
Consumer complaint received 2016-02-09
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (OH)

I believe this is the second time I have to report this company. The representative from HHGregg told me, when I initially signed up for the card and purchased my refrigerater, that the purchase would be interst free. Once again, however, Synchrony Bank is charging me the ridiculous amount of 29.99 % interest on my account. Also, last month, I sent in my payment on time on XX/XX/XXXX when it was n't due until XX/XX/XXXX. On my bill this month, they charged me a late fee of {$35.00} which they refuse to remove. I believe this company needs investigated or at least my account looked into by a government entity like yourselves. This company has tried everything in their power over the coarse of my loan to extort more money out of me, and I 'm fed up with it. I am sending this complaint to the appropriate attorney general 's office as well. Thank you.
Consumer complaint received 2016-01-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (IN)

I am filing a complaint against CitiMortgage based on their unwillingness to provide the HARP program to me due to the mortgage is for a manufactured home. 
I recently had my monthly take home income reduced from {$10000.00} to {$2000.00} and have a 12 year loan at a XXXX high annual percent rate of 6.25. 
I called the CitiMortage customer service telephone number on XXXX/XXXX/2015 and spoke with a person named XXXX ( employee # XXXX ). XXXX said that CitiMortgage considers HARPs as new loans and CitiMortgage does not do a HARP on manufactured housing. 

Address of the mortgaged property XXXX XXXX XXXX XXXX, IN. XXXX Loan Number - XXXX If HARP is a federal program to provide assistance than I should be included being eligible.
Consumer complaint received 2016-07-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: BB&T CORPORATION (DC)

I am writing to express my dissatisfaction with the service provided by BB & T during the course of my application for and obtainment of a mortgage loan for my first home purchase. Specifically, I am making this complaint regarding the actions of XXXX XXXX, XXXX XXXX, and XXXX XXXX, all of whom worked on my loan application at various points. 

Please see attached a complete timeline of events that occurred between my initial inquiry on XXXX XXXX, 2015 and completion of the lending process on XXXX XXXX, 2015 - as well as my request for remedy based on the repeated errors and failures of BB & T.