davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-10
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CO)

In XXXX 2015 my wife and I began VA refinancing procedures with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. The loan was approved and we signed papers on XXXX XXXX, 2015, on XXXX XXXX, 2015 the loan was transferred to Green Tree. The refinance papers showed that XXXX months worth of escrow was held to pay for property taxes due on XXXX XXXX, 2015. 
On XXXX XXXX, 2015 I received notice from the XXXX County Treasurer that we were delinquent in paying property taxes. On XXXX XXXX, 2015 I called an agent with XXXX XXXX and was told they would look into the matter, and she confirmed that there was XXXX months worth of monies withheld to pay property taxes, I also emailed her a copy of the tax statement. On XXXX XXXX, 2015 I again called the rep. from XXXX XXXX and had to leave a voice mail, since I did n't receive a call back, on XXXX XXXX, 2015 I called and talked to another rep, and he told me I would have to call Green Tree. I did call the tax division at Green Tree and advised what the problem was and she told me it would take XXXX days to look into the matter and another XXXX days for a decision to be made, I told the lady this was not acceptable and asked her XXXX to talk to a supervisor and she told me no both times, On XXXX XXXX, 2015 I tried to make a written complaint to Green Tree, but with the subject heading Complaint in was rejected and I was instructed to call Customer Service, I was finally able to get the email to go through by putting a different heading for subject matter, today I got a return answer that the matter was being looked into and it would take XXXX days from the date of my notice to them to reach a decision, well past the date of XXXX XXXX, 2015 when XXXX County said a lien would be placed on the property.
Consumer complaint received 2022-12-15
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights XXXX 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2016-07-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION (TN)

On XXXX XXXX, 2016 I opened an account online with Regions Bank. It was an offer to give me {$200.00} if I established direct deposit in the account and utilized their online banking. They sent me emails confirming this, and they mailed me a debit card. I later went to the Regions Bank Branch at XXXX, TN XXXX. I met with XXXX XXXX to confirm my identity, verify my address, and validate the special offer for {$200.00} on my account. He disputed my offer until I produced the paperwork ( printout ) of the offer from Regions Bank. He confirmed that the offer was valid and he even printed out another copy for his verification. We met for over an hour and he tried to sell me everything even though I just needed to confirm information. He said I had verified my information and I could go. 

Two weeks later, Regions Bank sent a letter asking me to verify my address and identity. I went to the Regions Bank location at XXXX, TN XXXX and spoke with XXXX XXXX. XXXX was very helpful, but she said that the Branch Manager, XXXX XXXX had to confirm the information again. She copied my Deed, Utilities, and made a copy of my drivers license. She then said that she had to follow up with XXXX XXXX to make sure he re-submitted my information. 
A week later, XXXX XXXX, 2016, I tried to set-up direct deposit on this account and I could n't. I attempted to log-in, but the website instructed me to call in to Regions Bank customer service line for online banking. When I called-in, I was informed that the account had been closed and no reason was given. Regions Bank misled me to believe that they were going to offer their promotion and give me {$200.00} in 90 days and they had no intention of honoring their advertisement. I want my {$200.00}.
Consumer complaint received 2015-07-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (TX)

AFNI is trying to collect a {$350.00} XXXX XXXX " debt '' from me. Here is the problem with their claim : - I have never had an account with XXXX- I NEVER lived at the address they are reporting the debt occurred- They REFUSE to verify the details of the debt i.e what months and from what years I owe and what XXXX services I used-They refuse to verify my birth date and social security number. 
-The FDCPA requires them to give 30 days notice of any debt owed. I never got such notice. 

I have disputed this account several times with XXXX and the other CRA 's but each time AFNI has knowingly falsely verified the debt as being accurate. That is an egregious violation of the FCRA guidelines and there are severe fines and penalties set forth in the FCRA for this type of behavior. I want this collection account removed from all XXXX credit bureaus right away.
Consumer complaint received 2018-03-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC (TN)

I was late on my loan and was 30 days late 1 time and because they couldn't contact me on the phone they defaulted my loan to an attorneys office..The problem I have with that is I paid off my account once and renewed this loan and always have made my payments ... ..I tried to make a payment to bring this account up to date and they told me it was referred to an attorneys office for one 35 day late and they keep reporting negatively to my credit and they don't have my account nor do I have a court date
Consumer complaint received 2016-07-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NY)

For two months ditech Financial LLC has failed to apply our mortgage payments to our account. This payment transaction is an automatic bank transfer from my checking account to ditech. There have been no problems with the transfers as my bank statement clearly indicates they 've taken the money on time every month. Two months ago I called and spoke with a service representative after my monthly billing indicated that I was behind on my payments. The rep explained that apparently their system had an issue but that we were current on our payment and not to worry the system would " catch up '' before our next billing period. My wife and I came home last week to find a notice on our front door instructing us to call ditech about a problem with our account. We called and talked to another service representative who, after some discussion, told us the system had a coding issue and while we were current it was n't being applied to our account correctly but had been corrected on XXXX/XXXX/2016. Today in our mail there was a notice from ditech claiming we owed them {$500000.00} and a second notice from a collection agency. So the long and the short of my problem is that I 've been sent to collection by ditech for mmoney I do n't owe them. A call to ditech again ended with me being told there is no problem. So my question is how do I fix the damage done to my credit scores by a company that seems to have no interest in repairing their problem and what do I do next month when this happens again? 

XXXX XXXX
Consumer complaint received 2016-08-10
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: REGIONS FINANCIAL CORPORATION (FL)

I am having to submit a new complaint for Regions Bank - please see original complaint [ Case number : XXXX Below is my new complaint ( following my previous complaint ) : Initially, I filed a complaint ( with you ) against Regions Bank - and they ( initially ) investigated the transaction and refunded our {$590.00} back into our account - and also sent a letter to you ( CFPB ) confirming that our funds were reimbursed. However, recently - this bank has gone back and reversed this transaction and again took/debited {$590.00} from our account. When we called them on the phone to inquire - they stated that it was because someone overlooked our " supporting documents '' for this transaction ; then they apologized and assured us that they would " most definitely '' place the funds back into our account ( within 1 to 2 days ). However, these funds have not refunded. When we called to inquire about the delay with our refund, we were informed that although there are supporting documents to validate our claim - that they have " changed their minds again '' and suggest that we " go to the merchant '' When we explained, that the " merchant '' should have never even been permitted to take these funds in the first place, since the bank had been notified " prior '' to the merchant 's transaction ( that the merchant WAS NOT AUTHORIZED ) - and also that their bank had cancelled and shredded our debit card to prevent this transaction from happening ... ... a representative from their " Consumer Solutions '' department ( kindly, and without hesitation ) filed a written complaint on our behalf and " escalated '' it to another department. In the meantime, we are patient and inconveniently waiting for these funds ( {$590.00} ) to be placed back into our account. ( PLEASE VIEW ATTACHMENTS - " Regions documents '' ).
Consumer complaint received 2017-03-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ARVEST BANK GROUP, INC. (MA)

My mortgage terms have changed from what was originally agreed upon. The lender has added Pmi which previously did n't exist and inflated my rate substantially. My loan was signed in XX/XX/2015 and has increased 300 $ a month that in no way aligns with my taxes in the area. The mortgage company will not give me straight answers or even give me payment coupons. Please help!
Consumer complaint received 2016-03-11
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Risecredit, LLC (TX)

Rise Credit XXXX has put XXXX hard inquiries on my credit report. Firstly, this is more than anticipated, and secondly, I was under the impression that these would be soft pulls - the excessive hard pulls are having a huge impact on my credit score and are keeping me from refinancing my home. Please assist me in removing these.
Consumer complaint received 2023-04-17
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

Equifax Credit Bureau violating The Fair Credit Reporting Act ( FCRA ). They have failed to thoroughly investigate errors. I have sent documents proving errors and disputed again. The account is not closed and is current.
Consumer complaint received 2018-12-01
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. (GA)

Equifax has been non-compliant with removing the unverified account XXXX  XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2021-11-26
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: EQUIFAX, INC. (AL)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2022-10-03
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. (TX)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again. 
XXXX XXXX Balance : {$9000.00} XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX Balance : {$4000.00}
Consumer complaint received 2017-01-12
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (MA)

I got an advertisement from Chase about opening a XXXX brand credit card. The offer was to get bonus miles if you spend a certain amount on the card. So I applied and spent the minimum, but now they 're refusing to honor the agreement. They claim I was under a different offer with a higher minimum. Never was this disclosed! they did a fraudulent bait and switch to induce me to sign up for this card under false pretenses
Consumer complaint received 2017-02-20
Product: Debt collection — Auto
Issue: Communication tactics — Threatened to take legal action
Company: HYUNDAI CAPITAL AMERICA (NJ)

XXXX, the supervisor at XXXX threatened me directly in regards to my auto loan. I have been fighting this with Hyundai, but agreed to pay $ XXXX/mo in the meanwhile. XXXX would not accept the payment and proceeded to tell me multiple times in the call " you will see what Hyundai is capable of doing to you '', making me feel threatened, vulnerable and extremely uncomfortable. He brought up legal action- whereas they are NOT a law firm but a collection agency.
Consumer complaint received 2017-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

The credit reporting agen cy ( CRA ) wa s contacted in writing via certified mail to dispute several items reporting negatively and/or incorrectly on my credit report on  XXXX   XXXX ,    2017. I n the letter I cited FCRA Sect ion 609 ( a ) ( 1 ) ( A ) r equesting physical verification of the original signed consumer contract and any original creditor documentation which is required by law. The credit reporting agency did not comply within 30 days so another written letter was sent via certified mail on  XXXX   XXXX  , 2017,   requesting the same documentation and citing the same law for the second time.     A certified letter was also sent on  XXXX   XXXX ,  2017, re questing the method of verification the credit reporting agency used to verify the accounts in question. In that letter I specifically requested a written description of the procedures used to determine the accuracy and completeness of the information and I also requested the business name, address of any furnisher contacted with the phone number. Under  Section FCRA 611 ( a ) ( 7 ), t he CRA has 15 days to provide this information or it must delete negative items reporting on the credit report. The CRA did not respond to this request so I sent another Method of Verification request on  XXXX   XXXX ,  2017, via ce rtified mail. And again the request was ignored and the negative items remain on the report.     On  XXXX   XXXX ,  2017, a t hird dispute letter was sent via certified mail to the CRA requesting they provide original documentation per Sectio n 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). The CRA  has failed to follower consumer protection laws and has ignored all requests for method of verification further violating my rights and damaging me financially.     On  XXXX   XXXX ,  2017, I se nt a written letter to the CRA explaining that the account numbers for  XXXX  of the items in question was incorrect and again there has been no lawfully method of verification and the CRA fails to maintain adequate records or any records at all to verify the accuracy of the items being reported.     The Consumer Financial Protection Bureau ( CFPB ) is fully aware of the credit reporting agencys failure to comply with these laws as detailed in the  XXXX   XXXX ,  2017, pr ess release titled Consumers continue to complain about the credit reporting industry in high numbers. As the CFPB reports for other consumers nothing has changed on my credit report.
Consumer complaint received 2016-09-06
Product: Consumer Loan — Personal line of credit
Issue: Managing the line of credit — 
Company: Westlake Services, LLC (AZ)

Westlake financial wont take payments by any means. They lied and said my moms check bounced and were trying to charge a XXXX dolloar insufficient funds charge. My mom went to the bank and the bank said " westlake lied and never even processed the check ''. Westlake states they take paymentd through XXXX, XXXX XXXX, but refused tsking payments through these means as well. Its like the company refuses to take paymenys just so they can repo vehicals. A guy came to my home and threatened that he was calling the police and sat outside for a half hour and then left. I demand an auto bailout from westlake financial
Consumer complaint received 2017-02-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A. (TX)

my mortgage company failed to pay my county taxes for tax year XX/XX/XXXX in XX/XX/XXXX. So the XX/XX/XXXX taxes and the XX/XX/XXXX taxes were on my XXXX XXXX. This caused my itemized deductions to be too high and I ended up hitting XXXX and lost about XXXX in refunds. Because they paid the XX/XX/XXXX taxes in XX/XX/XXXX The escrow analysis for XX/XX/XXXX was not correct. The escrow analysis for XX/XX/XXXX showed a shortage of {$6.00}. The escrow analysis XX/XX/XXXX shows a shortage of {$4200.00} this is due to escrow not being calculated correctly for XX/XX/XXXX and was carried over to the XX/XX/XXXX escrow analysis. All the taxes were paid in XX/XX/XXXX but the amounts were not update in the escrow analysis. Basically I am playing catchup for XXXX years.
Consumer complaint received 2015-04-04
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (NC)

Hello, On XXXX XXXX, XX/XX/XXXX, I sent payment via Paypal in the amount of {$750.00} to XXXX at XXXX XXXX for aftermarket XXXX XXXX automotive headlights. XXXX 's company is located in XXXX, XXXX. For months, I contacted XXXX via XXXX messenger regarding the status of my order and why my item has not been shipped. XXXX has continuously promised that my XXXX would be shipped out XXXX, XXXX, XXXX, XXXX of XX/XX/XXXX and XXXX, XXXX, and XXXX of XX/XX/XXXX I have received nothing but excuses and failed promises. I have all records of my correspondence with this seller. More than XXXX, I have asked for a refund. He did not respond. My XXXX attempt to contact the seller was XXXX XXXX. He has still not responded. Unfortunately, Paypal will not let me dispute a claim regarding this transaction. {$750.00} was withdrawn directly from my checking account and sent via Paypal to XXXXXXXXXXXX. His company website no longer exists. His phone number listed on my Paypal website is XXXX. His " Customer Service URL : http : XXXXXXXXXXXX. His " Customer Service XXXX : XXXXXXXXXXXX.
Consumer complaint received 2017-03-16
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (NJ)

There has been an unauthorized transaction of XXXX to XXXX in venmo account. I reached out to venmo support team and did not do anything to handle the issue.I have did some personals investigation of the user on the other end and many people have reported this user. I have reached out to many users that had problem with this other user they too have reported Venmo about this. Venmo instead froze my account and is threatening to send me to collections If i do not pay the XXXX to the other User
Consumer complaint received 2016-10-09
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A. (AE)

Since my Financial issues 's back in 2015 XXXX, I have requested Loss Mitigation help twice from Flagstar my mortgage company. My mortgage was {$1500.00} and each Modification that went through only reduce my mortgage {$100.00} to {$1400.00} and i explained to Flagstar that if my mortgage could be reduce to {$1000.00} short term i could get back on track. After only having it reduced to {$1400.00}, i decided to hire a realtor to sell the home and i also advise Flagstar and sent in all letters and third party documents into Flagstar. Flagstar repeatedly never updated my file or shared notes with other customers service people at Flagstar. So every time i called to check on my case either i was missing a document or or my file was not updated. This has been going on for 1 year. Now i requested a Deed In Leu and mailed in all documents requested and i have been met with the same resistance of i 'm missing documents, or they did not get a complete packet and i 'm sick and tired of this run around with this company, all i 'm trying to do to avoid foreclosure is sell the house back to the bank but every time i turn around, I 'm given excuses that my packet is incomplete or i 'm getting letters telling me my packet is incomplete. I need help i just want to get rid of the house from my divorce,.
Consumer complaint received 2015-03-25
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CFS of Aurora IL LLC (IL)

On XX/XX/XXXX suit was filled on my account acted that same day a payment was made to bring my account current after I received service and nervous conversations with a male by the name of XXXX in their office an agreement was reached that as long as the payment was due for that month was made prior to the court date, a portion of the debt paid by XX/XX/XXXX and the balance the fallowing week that case would be dismissed as a dismissal with leave to reinstate would be entered. A payment for regular monthly payment was made on XX/XX/XXXX I specifically asked if I had to go in to sign the order for dismissal he stated no. No need to the case would be dismissed weather I 'm there or not base on terms of the agreement. Court was on XX/XX/XXXX today as I checked court records it shows a judgement by default was entered against me which is no where near what the terms of the agreement was on XX/XX/XXXX if their calls are not recorded I do have the voicemail left on my phone stating that agreement and my phone call to confirm as well. Prior to this agreement..I was advices nothing could be negotiated that I would have to go to court prior to this agreement was reached because the attorneys were not their attorneys when I advices I would go to court then he advised the attorneys are their own attorneys and they are their attorneys..