davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-30
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (LA)

On XXXX XXXX, 2016 I paid my mortgage off in full to Ditech Financial, LLC. Attachedf is a letter from them acknowledging the payoff and the Account number is contained thereon. XX/XX/XXXX I called to inquire about the status of my escrow refund of {$1900.00}. I was advised by XXXX that a check had been cut and would be sent out shortly. On XXXX 2016 I called again about the escrow and was advised that the check had been cut and released on XXXX/XXXX/16. I again called on XXXX/XXXX/2016 and spoke to a XXXX . XXXX, who identified herself as a supervisor. She said that check XXXX had been issued on XX/XX/XXXX. I advised her that I had not received it. She wanted to cancel the check and send a new one and I refused that option as this would have restarted the process and allowed Ditech another 30 days to send a check. XXXX . XXXX agreed to have an electronic transfer made to my bank account. She told me this would take 5 days. As of today, XXXX XXXX my account has not been credited. 
I am of the opinion that Ditech is a rogue mortgage and collection agency who keeps other people 's money an undue length of time and only refunds money when threatened. It is this kind of company and lack of federal oversight that led to the last financial meltdown and will lead to the future bank and real estate meltdown. They are an unprincipled company that should be severely fined or put out of business. I encourage your office to log into XXXX and read the hundreds of negative feedback on this company.
Consumer complaint received 2016-04-30
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: MONEY SOURCE, INC., THE (WA)

The mortgage company, in order to modify my current mortgage, refused to change items in the disclosure statement ( i.e. year of original loan origination, year home was built, remaining balance of original loan, name of applicant ) prior to electronically signing documents. Then I receive an email thanking me for signing the documents when I had not- even refused to- signed said documents. I contacted the agent XXXX XXXX XXXX XXXX via his direct line and the agent stated that he had sent the email in order to be proactive in getting the documents needed to finalize the loan process, providing that I sign the documents. He wanted the information in order to have it on hand when the underwriters asked for it. At the end of the conversation he also stated that the offer at the rate quoted would more than likely be no longer valid after the first business day of the month. I felt that he was attempting to coerce me into signing the documents prior to them being changed. I withdrew from any further actions concerning this matter.
Consumer complaint received 2015-08-25
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (PA)

XXXX XXXX of Quicken Loans. Every time I come close to closing the mortgage loan.. He would come up with an document that he could have asked me for several weeks ago. I have a high credit score and he has asked me for a document on four separate closing occasions. Today close to closing he stated that 60 days of account activity were missing on my bank statements that I 've faxed to him two weeks ago. The bank teller printed out those statements and signed those pages. I have been going through this with him for almost three months. I have searched the internet for complaints. I found XXXX people who had the same problem with XXXX XXXX of Quicken Loans. There are many who had the same complaints about Quicken Loans.
Consumer complaint received 2015-11-06
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BB&T CORPORATION (KY)

I made a payment of {$800.00} on XXXX/XXXX/15. The bank processed this transaction, and it was officially pending on my account. On XXXX/XXXX/15, the transaction for XXXX/XXXX/015 has completely disappeared from my online statement. I call BB & T to see what happened to the payment and the representative informed me that the transaction had been cancelled by the debtor and she proceeded to tell me that this transaction would not be posting to my account because it had been cancelled. I had some other bills due since this transaction had been cancelled I thought I would put this payment off XXXX. I went ahead and paid XXXX other bills and was not concerned about being overdrafted since it was evident that transaction for {$800.00} had not been processed and had been cancelled according to the BB & T representative. On XXXX/XXXX/15 the transaction of {$800.00} had been posted to my account even though I had not been told that there was no way this transaction could post. Now I have XXXX other ACH items out at the moment and once they post my account will completely overdraft. I called a BBT representative again to only be told that there is nothing that they can do.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

This has been a major disappointment for me to say the least. I'm absolutely not satisfied with the " investigation '' process of XXXX, XXXX, XXXX Equifax. Not only have they been reporting in accurate information from me for multiple years and profiting from taking corners. They have done XXXX in proper investigations on my credit profile. After Covid, My fiance and I have been searching for somwhere to live, and sadly my credit has been a major road block. These LONG response times, are even more concerning when they are clearly breaking the law. 
Again, I have XXXX accounts that i NEED deleted immediately. 
XXXX XXXXXXXX XXXX  XXXX XXXX In my attachments i will have HIGHLIGHTED information that provided evidence of my consumer rights being violated and also listed below will be the most recent law they have violated. 
15 U.S Code 1681i- Procedure in case of disputed accuracy ( 5 ) ( D ) ( 5 ) ( D ) Automated Reinvestigation System Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results to a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agency. 
Equifax has Deleted XXXX XXXX off of my credit profile, consumers agency 's need to relay this information, and its sad that im having to go through MANY complaints through these consumer agency 's directly, the CFPB, BBB and EVEN the attorney to find a resolution. 
AGAIN attachments are ATTACHED TO EMAIL. 
PLEASE DELETE ACCOUNTS immediately IF they did " PROPER '' investigations there is NO possible way to have this many mistakes, XXXX investigations in a row. 
THIS is a HUGE violation of my rights
Consumer complaint received 2016-10-25
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: ASTORIA BANK (NY)

In XX/XX/XXXX, I received a bill from my dentist for {$270.00}. I have him set up on the AstoriaBank bill pay service with the correct payee and correct address. AstoriaBank apparently works through XXXX and I believe it is XXXX bank in XXXX, WI to transmit payments. I paid the dentist through the Bill pay link and later was informed that the payment " cleared '' on or about XX/XX/2016. Despite this my dentist continued to seek payment from me and initially when I looked to secure proof of payment, I received only the front portion XXXX my bank does not provide both sides of paper checks written out through its bill pay service ) of the negotiated check. Eventually, in XX/XX/2016, I received both sides of the check which is annexed. Any review of the check will reveal that wile it is made out to a dentist it was cashed by an auto parts place. It was never properly payable to a car parts place. Astoria has known of this since at least XX/XX/2016, and refuses to restore the money improperly debited from my account until they secure the money from some place else. While they call every so often to provide a status, the simple fact is that they or their agent wrongfully paid out on a check despite the endorsement very clearly reflecting that it was not properly payable to the entity to which they furnished my funds. They have no right to insist that they recover their money before restoring the money wrongfully taken from me.
Consumer complaint received 2015-12-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: ASTORIA BANK (VA)

I have lost my job and do not make any meaningful money to pay the exorbitant mortgage. I have contacted Astoria Federal many times for assistance and modification but they always refuse to modify my mortgage. I was once given a reason that Astoria Federal do not conform to Federal Regulation and are not obliged to help me in any way. I have lived in my house since 2001 and my children and the entire family love our family home, community, schools, and church. I can not afford to loose this house and we love to continue living in this house. It has become our sacred home. Currently, Astoria Federal has increased our months payment from {$1900.00} which was incredibly difficult to bear to {$3300.00}. Efforts to modify and lower the monthly payment of {$1900.00} has been denied four times, but rather increased to {$3300.00}. Astoria Federal is just taking advantage of us financially and extorting. All efforts to modify or alternative assistance has been denied by Astoria on four consecutive times. I therefore write to request that my mortgage be modified as I lost my job and do not make meaningful money but my wife 's income is substantial to work for the modification. I ask that Astoria Federal work with us so that we can continue live our home and do not become homeless as the children are scared of becoming homeless now. 
Mortgage Company Information : Astoria Federal Bank Account Number XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX XXXX9242Respectfully, XXXX XXXX
Consumer complaint received 2016-05-14
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (CA)

I had a Citi Gold checking account. I cancelled the account. I have credit cards with Citi. Citi will not allow me to link all my credit cards on one page. I called and they stated my bank account is still linked to my credit card accounts despite me calling and Citi saying that my account had just been unlinked. I have spent over an hour and a half just trying to get Citi to link all my credit cards. In the past a representative has stated that he would fix this for me while I was not over the phone but the problem never got fixed. I need Citi to not treat their clients so horribly. I feel the only way I will be taken seriously is by making this complaint or going to small claims court. The calls were on XXXX XXXX, 2016 and XXXX XXXX, 2016.
Consumer complaint received 2015-07-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: First Data Corporation (MA)

A " letter from XXXX-First Data Credit Card Transactions Clearing Service named me as a merchant but I have never been nor have accepted payment to me by credit card as a XXXX or XXXX ( retired XX/XX/XXXX ). They sent the letter to my legal residence rather than what our Town 's US Post Office requires us to use. Their Security Dept. I told me XX/XX/XXXX that the account " had never been opened '' because " it did n't look right '' & that no transactions occurred, but they sent a Statement or the XX/XX/XXXX-XX/XX/XXXX reporting {$4400.00} in transactions ( including {$98.00} fees ) alleging deposit of {$4300.00} to my bank ( which my bank never received ), despite the phone assurance, then sent a XXXX form ( contradicting their phone statement & continued to send " Statements '' ( using the corrected address I had provided ) until XXXX XXXX in Sen. XXXX 's Office contacted them. They called to assure me that they knew that the account was fraudulent but refused to provide evidence of how it was opened or where alleged bank deposits were sent. Despite this assurance, I just received a collection notice from XXXX XXXX XXXX for {$4700.00} ( for " XXXX '' ) which I immediately disputed with XXXX XXXX by phone. XXXX-First Data offers self-opposing facts, untruthful information & no useful service.
Consumer complaint received 2016-10-18
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: SYNCHRONY FINANCIAL (IL)

They contacted my personal unpublished cell phone about a debt from my brother who I have no financial interaction with. They claimed to be holding a court order for case # XXXX. Once my brother contacted them they pressured him to settle with them immediately for 4x the original debt or he woudl recieve a subpeona.
Consumer complaint received 2017-01-20
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (NC)

I have several retail accounts which have been sold to or serviced by Synchrony Bank. During the last six months, Synchrony Bank has lowered my credit limit with each account ; however, all accounts were paid prior to the due date and payments exceeded the amount due each month. By lowering my credit limit, Synchrony Bank adversely affected my credit score with the XXXX major credit reporting bureaus. Synchrony Bank has either filed hard inquiries or reported lower credit limits during six of the last eight months. Synchrony Bank has NO JUSTIFICATION in conducting these monthly credit inquiries. These repetitive inquiries are unjust, unnecessary, and adversely affecting my credit score ; therefore, I demand that SYNCHRONY BANK discontinue its discriminatory practice of unjustly submitting information resulting in the unjust and adverse lowering of my credit scores with the major credit reporting agencies.
Consumer complaint received 2016-09-13
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: SYNCHRONY FINANCIAL (IA)

My payment was duplicated via ACH by Sychrony Bank. They will not return funds via ACH. I was told, " We have no process for that. '' ) I was told that they will issue refund check in around 14 days. I asked for it to be overnighted as it was a considerable sum of money ( {$2.00}, XXXX ). I was told there is no process for that either. Really? I find that hard to believe. How is it possible that a bank can not ACH back funds received in error or overnight a check? As far as I am concerned, they are sitting on everyone 's money and holding it hostage. I escalated my request all the way to manager level to no satisfaction. I am a customer in good standing. I pay off my balance every month and this is the best they can do?
Consumer complaint received 2017-02-24
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL (CA)

Unfair business from creditor. 
I had an Old Navy Credit Card since XXXX. I have never looked at my balance. I just paid online every month. In XXXX, I reviewed the statement on line and there was an item of {$19.00} and {$8.00} which I am sure this item was not mine. I went back to all the statements in XXXX and XXXX, Old Navy has been billed me the same amount every month. I have contacted Old Navy in XXXX XXXX but I got direct to the machine system. Then I sent a letter in XXXX. Old Navy promised to refund me the money that they have mistaken billed me since XXXX. Again, same item shows on my XXXX statement but under different name. The statements of XXXX and XXXX showed the transaction under XXXX but the statement of XXXX XXXX shows Miscellaneous Adjustment three time with the amount {$19.00} and {$8.00}. 
I am seeking your help to solve this problem. I have been contacted Old Navy Creditor many times since XXXX and seems like they did not want to solve this problem. 
Old Navy have treated me unfairly. 
I appreciated your attention with my matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2016-12-04
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: SYNCHRONY FINANCIAL (OR)

I previously filed a report for Identity Theft with FTC. I have placed alerts on the XXXX credit reporting agencies. I am asking for immediate remove the of the credit inquiry, due to failure to follow procedure with Identity Theft and they have refused, and will not remove their inquiry. I simply would like to have their inquiry removed, they failed to follow procedure, therefore it is invalid. I did not make this request.
Consumer complaint received 2017-03-26
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late on XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2016-12-14
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (VA)

I 've made multiple attempts to contact First Merit Bank to close out two CD 's that were opened by my late mother on which I 'm the named beneficiary. I 've spoken to XXXX and XXXX who have both asked for various identifying information and have made assurances that the CDs will be closed and a cashiers check will be forwarded to me. Yet every time I call to follow up with them concerning when I can expect the check to be sent they have an excuse about something they need before they can proceed. It 's been over a month since I initially contacted them and now they are informing me that they ca n't close out the accounts until the they have " court documents. '' Unfortunately they ca n't tell me what they actually need besides " court documents '' which is not helpful. I 've closed out similar accounts with other banks in the area without any issue and it 's unclear why First Merit it 's having issues. My biggest complaint is that XXXX has n't made a single attempt to contact me to resolve the issue and is typically " out to lunch '' whenever I call regardless of the time of day I call.
Consumer complaint received 2017-02-01
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL (KY)

got behind on account. Finally made arrangements over phone with someone to pay XXXX payments by autocharge/monthly. My understanding - this would catch acct back up. Orginally payments were $ XXXX dollars/month. Today 's bill - after 4 or 5 of these paymts in payment arrangement says I need to pay $ XXXX minimum payment. Apparently everything I 've paid over the past year has gone to late charges & interest. I am no where near catching up after this " payment arrangement ''. They are supposed to review account after telling me when I made those arrangements it was not to catch me up. If not - why the XXXX would I have made such an arrangement ( $ XXXX/month ). I have n't heard anything yet.
Consumer complaint received 2016-03-28
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: M&T BANK CORPORATION (DE)

Death in family occurred. Prior to her death, our mother had requested that her IRA to be closed with XXXX XXXX and funds to be sent to her. While waiting for her request to be processed she passed away and the requested funds where received at her current address, which was the address of her daughter who was taking care of her. Additionally, her daughter was executor of Mothers estate/affairs. The previously request Check was received in her name and due to her death was deposited by daughter into her primary account since her mother had passed away. Initially the deposit was reflected in the account, however several days later M & T fraud called with questions. After further explanation we were told by M & T bank that an estate account would need to be opened and the now frozen funds would be moved into account upon all correct documentation being provided. Daughter went into local branch and provided the requested documentation to open account ( short certificate, death certificate etc. ) the new account was opened as requested. We then as requested, notified Fraud Unit of the successful opening of the Estate account. After several days we again contacted the Fraud unit as the account still did not reflect the funds being released and deposited. We were now told that the Bank decided they wanted to take different route and refused to release funds. The Bank demanded that we provide the contact information for the now closed XXXX XXXX account so the information we had provided could be further verify. Verification was completed and our information that was provided was validated and upon the check being issued per the deceased request, the account was now closed. M & T still holding the issued funds had now changed process again for funds to be released and deposited. They were now requiring XXXX XXXX to request the check back after it was deposited and cashed. XXXX XXXX was willing to do so with a letter request from M & T stating " deposit was made in error without proper endorsement. " Additionally, XXXX XXXX would redeposit the check in question back into the now closed account to force the account to be reopened and re-send the check however M & T needed it to be sent to be deposited into the account. To date, there still has been no movement for the funds to be deposited back into our account in which we are currently at over 3 weeks with no resolution. Multiple calls made to Fraud area with request for update and we continue to be given a different story or I ca n't speak for the " Retail Bank '' and where they are in the Resolution of your situation. 
We simple would like our funds to be deposited as they should be so we can pay for the burial expense of our Mother. We have been extremely patient but our patience has come to an end. We are turning to the CFPB for help with resolution of this issue before we will need to get our Attorney involved. 
Thank You
Consumer complaint received 2016-07-07
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (NJ)

I paid my XXXX card in full and I was hit with a 30 day late payment in XXXX 2016 for being {$6.00} past due. There is no way this accurate. This must be an error with the interest that was carried over so please fix this ASAP.
Consumer complaint received 2016-07-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

Experian is reporting incorrect information on credit report in regards to a student loan that I have. It shows XXXX pate payments for an account that I have had a forbearance from XXXX in which those XXXX late payments were contained inside of my forbearance thus never having my account late at all. The FTC advisory opinion on Sec. 623 ( a ) ( 2 ) of the Fair Credit Reporting Act requires a furnisher of information ( loan provider ) to provide corrected or updated information to all of the consumer reporting agencies ( credit bureaus ) to which it was originally reported, regardless of the fact that the information was accurate when originally reported. The months that report late were in covered by my forbearance and need to be changed to a positive status. According to the FTC opinion of the FCRA they must update my report.