davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-26
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (FL)

I called Macy 's American Express three days before my bill was due because I noticed that my automatic payment had a duplicate payment scheduled to come out of my checking account. The customer service representative assured me that only one payment would be coming out on the due date. 
Today, when I checked my checking account, it showed that two payments of the same amount ( double what was due ) had been taken out of my account. When I called Macy 's American Express to have one of the payments reversed, they told me it would take 5-7 days for it to be refunded. I then told them that I was counting on those funds to pay my electric bill, the rep, placed me on hold to speak with her supervisor. When she came back, she told me that they could mail me a check or refund it to my account in 5-7 days. Either way, I have had MY money ripped from my account without my permission!! Very frustrating! I requested that my account be closed and the overpayment be refunded.
Consumer complaint received 2016-03-08
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (NY)

I received XXXX fraudulent charges posted on my Macy 's credit card on XXXX/XXXX/2015 for a total of {$17.00}! Over 6 months later I still can not get this resolved after numerous calls to the Fraud department, credit department and many faxes. I called immediately when I received the first bill and was told not to pay the bill, instead to fill out a Statement of Fraud. I did that, but kept getting bills each month for more and more money because of finance charges and late fees. The {$17.00} is now {$230.00} due to all fees they have charged. I call every month and they tell me not to pay it, not to worry and have said it is not with collections, but they call my house at least 3-5 times a day,7 days a week, and tell me the only way they 'll stop calling is if I pay. I can not get them to remove the charges, or stop calling. This is horrible. I know the card was not used by anyone because it was in a safe in my house. I want something in writing from them saying this is not on my credit report.
Consumer complaint received 2016-10-23
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (NY)

Made a payment of {$13.00} to the Citi Bank Card on XXXX/XXXX/16 ( Have a monthly {$13.00} payment due every month from a recurring charge ) XXXX XXXX/XXXX/16 got a late payment fee of {$13.00} and a {$0.00} finance charge fee for a late payment. I never got the statement and put my account as a late payment. They would n't credit my account because they said that they credit my account last XXXX. Please investigate how often the statements get lost in the mail. I never got the statement. I pay my balance in full very single month. Why would I have a {$13.00} late fee on a {$13.00} charge? Also, wanted to make a payment of {$50.00} to them. so, I will not need to think about making the {$13.00} payment and just pay 3 months in advance. And they cant take payment higher than 7 %. I never got the statement.
Consumer complaint received 2022-10-01
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. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of inquiries which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2016-03-04
Product: Other financial service — Credit repair
Issue: Fraud or scam — 
Company: Park View Credit (PA)

I was scammed by Park View Credit. I was having a difficult time buying a house because of a foreclosure on my credit report and another item. On XXXX XXXX, 2015 Park View Credit called me and promised they can remove the foreclosure and the other item off of my credit for a fee of only {$350.00}. During a long phone conversation, Park View Credit promised me they would refund me the {$350.00} if they ca n't remove the foreclosure and the other item off of my credit. Park View Credit also promised me that they can remove the items off of my credit in two to six months for the same {$350.00}. Park View Credit offered me an optional service for {$89.00} after the first two months. I made it clear to the sale representative on XXXX/XXXX/2015 I did not want the optional service for {$89.00}. 
Park View Credit told me that I will receive letters from them and from the credit reporting agencies that show that they have been working to remove the items off my credit. I did not receive the letters from Park View nor did I receive any letter from any credit agency. I checked my credit and the items are still under my credit report. 
On XXXX XXXX Park View Credit started charging me the optional {$8900.00} that I said I did not want. I called customer service and I was told that Park View Credit has not removed the foreclosure off of my credit. I was told if I still want them to remove the foreclosure I will have to pay them the {$8900.00} until they can remove it. I canceled the service for breach of contract and requested a refund ; Park View Credit refused to refund my money. 
Park View Credit lied to me over the phone ; they lied to me to trick me into signing up for a service that they never had any intention of delivering. Now they tell me that they ca n't remove the foreclosure and the other item off of my credit but they are not refunding my {$350.00} plus the additional {$8900.00}.
Consumer complaint received 2016-11-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: ARVEST BANK GROUP, INC. (SC)

Loss of points " XXXX '' collected by my Arvest credit card purchases. Prior to leaving XXXX in XXXX XXXX or XXXX, XXXX I went to change my home address on my Arvest Bank accounts. At the time I spoke with the Bank Manager I was told that I had accumulated a significant amount of points that I could use as I wanted. Once I got settled in XXXX in XXXX XXXX I went to access my points on my account ( via the XXXXXXXXXXXX ). The online account said I only had XXXX points. When I called the main branch the manager remembered our meeting and that I had a signifcant amount of points, but had no knowledge of what happened to the points after that discussion. I talked to several administrative staff in XXXX over the phone, but none could help me with this matter or even find documentation on the account history. I was told that they did not keep account history. I can not believe that account records are deleted at the end of the year with no record of transactions maintained. I questioned this practice by the Supervisors at Arvest because I have been banking with other Companies for years and they could always account for my spending and interest earned. I think that Arvest is taking advantage of me because I am elderly. I am very concerned as I still have accounts with this bank, If I should die will my family be able to get this money or will it disappear just like the points I earned. I know that I spent at least {$4900.00} to {$5500.00} yearly with the card. Do I have any recourse on getting my points back and have they told me the truth about not being able to look back at my past history on my account?
Consumer complaint received 2017-02-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AFNI INC. (AR)

I received an email informing me that a late payment had been listed on my XXXX report the morning of XX/XX/2017. The compsny was Afni, and before yesterday morning I had never heard of them. Later that same night, I received notification that the same company had also reported to XXXX. I was never contacted by this company to receive notice of right to dispute.
Consumer complaint received 2015-11-03
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: SCOTTRADE BANK (CA)

Dear Sir/Madam, I am writing to express my concerns about a behavior of Scottrade Bank and their affiliates which may have adversely exposed my personal information and lead to identity theft and fraud. 

Specifically, in going through my records in order to better understand how I could resolve ongoing identity theft, I discovered that when applying for a bank account at Scottrade Bank, Scottrade Bank improperly handled a number of documents which had very personal information on them. The actions of Scottrade Bank not only broke from the current standards of data security but also broke Scottrade Bank 's internal policies regarding handling customer information. 

Specifically, on or around XXXX XXXX, 2013 ( XXXX XXXX ), XXXX XXXX, a regional manager from Scottrade Bank offered to receive Scottrade Bank account application documents via email. Email is a notoriously insecure medium of communication yet XXXX XXXX allowed and offered to receive the documents via email, despite the fact that it was against Scottrade Bank 's internal policies and does not have any of the normal safeguards in place to handle personal customer information. The XXXX XXXX, 2013 email contained PDF attachments that included my full name, signature, address, bank account numbers, Social Security Number, and other very personal and sensitive information. 

As is clear by Scottrade 's online disclosures and policies, Scottrade Bank states that it will never transmit customer information over email and or ask for or receive personal information via email, however, XXXX XXXX, a manager at Scottrade encouraged me to send the information by email to expedite the process, with no disclose of the security concerns. 

I am writing today to ask Scottrade to explain why they let my personal information be transmitted in a way that puts me at significant risk to identity theft. I would also like to know what the current status of the email and personal information is, has it been deleted, has it been accessed, are emails records secure, who could have gained access, was the email accessed via HTTP or HTTPS, was it confirmed a secure connection? 

The actions of XXXX XXXX, put me at my personal information at risk and could have likely been the direct cause for hackings that happened weeks latter and accounted for over XXXX of fraud.
Consumer complaint received 2016-08-15
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: PMAB,LLC (SC)

I believe I am being billed for a XXXX by XXXX XXXX XXXX in error. I sent written correspondence to their main office stating why I believe the debt to be erroneous. In this letter I also stated that I do not want to be contacted via the phone regarding the debt, and if this appears on my credit score it is to be marked disputed ( referencing the Fair Debt Collection Practices act ) I received written confirmation back from the Hospital that they would honor this. However, when this debt went to collections, I have now received more than 10 phone calls to my phone, despite having instructed them to stop. 

This is all for a supposed ~ {$400.00} debt ( that I believe I do not know )
Consumer complaint received 2020-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commercial Trade, Inc. (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2017-02-27
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: EdFinancial Services (NY)

I consolidated a Parent Plus Loan with Ed Financial Services in the amount of {$94000.00} since XX/XX/2008. For the past 8 plus years, only {$1600.00} has been credited to my loan with an installment of {$690.00} per month@6.875 %. Granted forbearance on the loan occurred twice with only 2 months withheld. It does not make sense that for the past 8 years I 've been paying regularly and on time and hardly any dent has been credited to this loan. Also, this institution does not credit or help you pay additional towards your principal. They are legally ripping off the consumer in lumps and not helping anyone getting out of college debt paying never ending interest amounts! There has to be a stop to how Ed Financial Services takes advantage in giving out these loans to decent college grads and consumers. How can anyone possibly get ahead in paying their debt for that amount if for the past 8 years a dent has hardly affected or impacted this loan!!!!! It 's totally absurd, cruel and inhumane!!!!
Consumer complaint received 2015-11-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MN)

I recently had a claim of hail damage to my roof with XXXX XXXX. I received a check in my name and my mortgage company. The new roof was put on XXXX XXXX. Ditech, my mortgage company, will not sign off on the check from XXXX XXXX until they receive a copy of the insurance adjusters estimate, and an itemized written estimate of repairs from the contractor and a properly completed XXXX form from the contractor! Then they will send out their own adjuster and check and then they will pay the builders. In the meantime, my roof is completed and inspected and I need to pay the builders out of my own pocket! My insurance company has never heard of this! I really feel like this is not my home!!!
Consumer complaint received 2016-06-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (MD)

XXXX had my loan when I was in school. Prior to it coming out of deferment, I updated my address with XXXX. When they transferred the loan to American Education Services ( AES ), somewhere in the process, the new address got completely lost and my previous address got transferred incorrectly. I never received notification of the transfer of my loan, nor a bill. 
In my complaints directly to AES, they claim : 1. they did not have my permanent address. ( see attached document directly from their site proving they did ) 2. They sent my mail to the same address as they sent to my cosigner " XXXX '' ( see attached document proving they sent my mail to " XXXX ) I therefore, not only did not get the mail to my PROPER address but also somewhere in the transfer they changed my street name and town. ( there is a XXXX and also a XXXX town ) It was n't until I went to refinance my home mortgage that I found out a company was tanking my credit score.
Consumer complaint received 2016-07-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: ECMC GROUP, INC. (CA)

These Creditors have been harassing me for almost two years. I have denied this debt. They sent additional attempts to collect debt. I filed for chapter XXXX XXXX Bankruptcy relief and included them. They started sending wage garnishment attempts to my employers. I contacted Consumer Finance Gov regarding this and the company states the account is closed as of XXXX XXXX. So a few months later I receive another attempt to garnish my wages, so I sent information letting them know once again 1 ) this is not my debt and 2 ) I do n't know what these student loans are for. They sent me some information from XXXX XXXX XXXX from when I was enrolled in XXXX ( unsure of exact enrollment time, this is an approximation ). Once I was informed of the school, I wrote them back letting them know the school staff were signing our applications ( evening students ) and receiving loans on behalf of us. I also informed them that is the reason the school was closed. They sent XXXX application packets where I needed to provide XXXX signatures from as close to the date as possible. I was given 60 days from XXXX to submit. However, the company sent another wage garnishment to my employers prior to my 60 day submittal deadline although I faxed all of the application including my supporting documents the day before my 60 day deadline. It took me almost two months to locate anything with my signature dating that far back. Now the company has began emailing me to rehab my loan and are ignoring my discharge due to unauthorized signature.
Consumer complaint received 2016-06-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NC)

I made an additional Prinicipal Payment to my loan in the amount of {$1400.00} on XXXX/XXXX/XXXX. The payment credited to the account on XXXX/XXXX/XXXX ( {$970.00} to principal, {$93.00} to interest, {$170.00} to late fees and {$190.00} to escrow ). The payment I sent along with a detailed itemized statement was to be applied as follows ; {$950.00} to additional principal, {$470.00} to late fees and {$15.00} to ISF fee. XXXX/XXXX/XXXX I called in and spoke with CSR who advised she would open a ticket to have the correction made. I was advised the correction would take 7- days. On XXXX/XXXX/XXXX the correction to my account had not been processed/updated so I called back and asked for a supervisor. I got XXXX who apologized for the issue however advised he would ensure the correction was made. He also advised he would credit my past due amount $ XXXX. I confirmed the amounts which should have been credited and he reassured me he would call me back with the next three - five days to confirm the adjustments to the account. I did not hear back from XXXX. XXXX/XXXX/XXXX I called back, asked for XXXX who was not available. The CSR transferred me to XXXX ( TX Callcenter ). It is my interaction with XXXX which is prompting my complaint. After being on the call for 15 minutes and 43 seconds with XXXX asking me the same question over an over again " do you want payment applied to XXXX or not XXXX that is all I am asking you " and me replying with " no, I have advised you this 3 time already '', she went on to advise me that she did n't need me to " break anything down '' for her as she was clearly able to see what should be corrected and told me to hold while she made the correction. XXXX indeed did not put me on hold simply muted her headset line, I XXXX and know the difference, and released the call without confirming or calling back to me as the customer to reassure me that the issue after ( 3 ) failed attempts would be resolved. 

It is currently XXXX My call with XXXX was released adversely by her at XXXX
Consumer complaint received 2016-04-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NJ)

I have been sick with XXXX XXXX for 2 aND 1/2 years. I was forced to leave my job ( I was terminated when I applied for another leave ... ). I needed more XXXX. 
My mortgage is serviced by Ditech Financial and I am being harassed and threatened by the account rep working on my account. 
" XXXX XXXX '' aka XXXX is that account rep. 
She calls everyday and tells me that I am refusing to talk to them. In the same conversation she will ask the same questions. " But you wo n't tell us what your intentions are. '' I called customer service, explained the situation and requested a new account rep. I was told that, " i'Ve never seen that happen since I 've been here. '' No change was made and I continue to be subjected to these rude and abusive collection techniques. I am waiting for Soc Security XXXX and a XXXX XXXX payment which will be monthly, but XXXX tells me that " I just need to graciously exit the house because I ca n't pay for it. '' I am behind in my payments - I was unable to make my XX/XX/XXXX and XX/XX/XXXX payment and I am less than 60 days late. 
When i'Ve spoken to XXXX , she says that I refuse to give them information ( as I answer their questions ). I refuse to take her calls - she called today and left a message, " XXXX XXXX - we have n't heard anything from you ... '' I'Ve been in this house for 13 years. I never paid late. I have a serious illness - I am not a dead beat. 
There are so many complaints i 'm reading about this company and XXXX talks to me as if I deserve to be treated like a XXXX. I do n't! I need help - now. I 'm asking to be treated according to the boundaries set up as acceptable collection practices. Please!
Consumer complaint received 2015-04-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

Green Tree financing has had an equity line of credit on my property in Ohio. In XXXX XXXX, they bought the primary mortgage from XXXX. Green Tree doubled the payment on the equity loan in XXXX XXXX. I filed for loan modifications on both loans, the equity interest rate was dropped, but the primary loan was offered to extend back out to a 30 year mortgage at 6.875 %. I did not take this and asked for the amount to bring the mortgage current. I did a pay by phone payment on XXXX XXXX XXXX for {$4600.00}. This was to bring the mortgage current through XXXX XXXX. 

Green Tree did not credit the amounts to the account. I have made several calls to clear up the matter, but am being told that they have no record of a {$4600.00} amount. I was told I did n't send in a XXXX payment, but when I produced a receipt, they asked for a couple of weeks to clear their records. Green Tree also said I would continue to accumulate late fees and I should be fine to pay them. 

I did get letters dated XXXX stating that both loans were in good standing and were current. Today I received a loan modification packet stating I am 30 days past due. 

During one of the conversations, XXXX from Green Tree said " I needed to understand that her investors did n't care about the equity loan and just wanted to foreclose on the property because they could make money ''. 

I would refinance to get away from Green Tree, but the value of the home is still less than the combined mortgages.