davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-15
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. (FL)

XXXX XXXX is reporting account number XXXX twice as a charge off account to Equifax. On page 23 of the Equifax report dated XX/XX/XXXX it shows account number XXXX, last reported on XX/XX/XXXX, open on XX/XX/XXXX, went into Charge Off in XX/XX/XXXX with a balance due of {$3300.00}. On page 25 of the Equifax report dated XX/XX/XXXX it shows the same account number XXXX last reported on XX/XX/XXXX, open on XX/XX/XXXX, went into Charge Off / Sold or Transferred in XX/XX/XXXX with a balance due of {$0.00} NOTE : Page 23 has account number XXXX as being open on XX/XX/XXXX ; Page 25 shows the same account number XXXX as being open 9 days later on XX/XX/XXXX I have contact XXXX XXXX Via Phone on XX/XX/XXXX and on XX/XX/XXXX I have sent them every document they have requested, in both conversations I requested that one of the entries be removed because both entries have the same account number and they are causing double the points to be removed from my credit score, XXXX XXXX has refused
Consumer complaint received 2022-08-04
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. (PA)

I ordered a copy of my report inXXXX XXXX, XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX believe it was reporting in error.
Consumer complaint received 2015-05-15
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (CA)

I had a home loan that was modified and later foreclosed on. Green Tree later bought that company and continues to report the debt to the credit bureaus despite the fact it has been more than 7 years since the account first went delinquent. In addition the amount they are claiming I owe is significantly higher than what I owed at the time. $ XXXX versus $ XXXX. Each time I speak with Green Tree they are unprofessional and are intimidating.
Consumer complaint received 2015-05-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

I have been working with Green Tree financial since XXXX. I have applied XXXX times for the HAMP program. They repeatedly loose my paperwork and refuse to give me any information. Basicly they make it impossible for you to take advantage of the HAMP program. They told me if I made XXXX more payments to my mortgage I would qualify for the HAMP program. I made the payments and then the denied me the loan modification. I have been working with XXXX XXXX bu they have not been able to help me. They send some other loan modification paperwork which would stretch my mortgage from 15 years to 40. I really need help before I lose my house. Also, they have harassed me repeatedly by phone even through my bankruptcy. Thanks for your time. Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2016-11-15
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC (CO)

My wife and I spoke to XXXX XXXX at Ditech, our current mortgage holder, about refinancing. We were hoping to lock in while rates were extremely low. I spoke to XXXX XXXX via email with several questions and was told to call him that evening, XX/XX/XXXX. I left a message and he did not reply. I left another message the next week. He never returned my calls. My wife left him an email the following week and again did not hear back. In the mean time, the rates have gone up a quarter of a point and it has cost me {$12000.00} on my amortized loan amount.
Consumer complaint received 2015-04-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (CA)

Had a trial loan modification with Greentree in which payments were made. On XXXX/XXXX/15, Greentree sent Permanent Loan Modification document, which was due back by XXXX/XXXX/15. There was no mentioning that this document needed to be notarized. The only instructions were " To accept this offer and take advantage of this opportunity, you must sign and return the enclosed Agreement by XXXX/XXXX/15. '' The agreement was signed on XXXX/XXXX/15 and sent via regular mail to Greentree 's address at XXXX XXXX XXXX, XXXX, AZ. After sending back the signed modification, borrowers made a phone payment of the permanent loan modification amount on XXXX/XXXX/15 in the amount of {$1200.00}. The confirmation number was XXXX. Borrowers called back on XXXX/XXXX/15 to make the XXXX payment and Greentree said the loan was in foreclosure because the final loan modification documents were never received. Greentree has instructed the borrowers that they need to start the loan modification process all over. This is an abuse and we need help from the Consumer Financial Protection Bureau to enforce the permanent loan modification that we worked very hard to obtain.
Consumer complaint received 2016-11-11
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MO)

My mortgage servicer is Ditech Financial LLC, and this is a complaint against them. 

I filed for XXXX bankruptcy approximately XXXX years ago and the bankruptcy was successfully XXXX in XX/XX/2015. In spite of this, Ditech still has my mortgage account listed under bankruptcy status, which means my home loan, which I 've paid faithfully since filing for bankruptcy, does not even show up on my credit report. It also means that I receive only " informational '' mortgage statements every month from Ditech - these list only the monthly mortgage amount owed and do not contain other detailed information on my home loan, such as the balance, etc. 

I have tried to resolve this issue multiple times in the last few months by contacting Ditech at XXXX. Every time I call, I am routed to XXXX XXXX XXXX who acknowledges that my account needs to be " recoded '' to reflect the successful discharge of my bankruptcy more than XXXX year ago so that my credit report can be updated and full monthly statements can be resumed. Staff then explains that only Ditech can do this recoding and " elevates '' the issue to Ditech so that they can take care of it. 

As of today, my request has been elevated to Ditech XXXX TIMES ( over the period of a few months ) and they have yet to respond and recode my account. 

I am at a loss for what else I can do at this point and I 'm hoping that Ditech will resolve the issue upon hearing from you, as my continued attempts have obviously been ineffective. Thank you for your attention to this matter.
Consumer complaint received 2021-01-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (SC)

ROCKET MTG XX/XX/21 I PAID ABOUT {$97000.00} IN ADVANCE PRINCIPAL. THIS ELIMINATES THE PMI. BUT IT WAS'NT ELIMINATED. I AM 100 % MILITARY XXXX, SO I DO NOT OWE ANY ( A N Y ) TAXES. BUT ROCKET ESCROWS TAXES. THESE TWO ESCROWS ADD UP TO OVER {$2400.00} IN DEDUCTIONS PER YEAR. BOTH ARE INCORRECT CHARGES TO ME. THS IS SOMETHING THAT SHOULD BE LOGISTICALLY SIMPLE TO CORRECT. BUT -- -BUT -- -BUT!!!! I HAVE NOT BEEN ABLE TO SPEAK WITH SOMEONE ABOUT THIS. AND, EACH TIME I CALL, I GET ANOTHER PERSON. I WOULD APPREICIATE SOMEONE TO CONTACT ME AT XXXX XXXX XXXX MY CELL. AFTER XXXX ANY DAY OF THE WEEK. IF I AM UNABLE TO ANSWER AT THAT TIME ( I AM BEING CARED FOR MEDICALLY ALMOST DAILY ) PLEASE -- -PLEASE LEAVE A MESSAGE WITH A CONTACT PERSON 'S NAME AND A RETURN PHONE NUMBER, TO DISCUSS THIS SIMPLE SITUATION. YOU HAVE THE OPPORTUNITY TO EASILY RESOLVE THIS SITUATION AND CHANGE MY CUSTOMER COMPLAINT TO A CUSTOMER RESOLUTION THAT WILL REFLECT POSITIVELY ON THE PERSON WHO FOLLOWS UP ON THIS PROBLEM AND CHANGES THIS COMPLAINT INTO A RESOLUTION THAT SHOWS PROFESSIONALISM AND CUSTOMER SATISFACTION ON ROCKET 'S PART. I WILL AWAIT A CALL. GET SERIOUS!! THIS IS SIMPLE TO RESOLVE - RESOLVE IT. XXXX XXXX XXXX XXXX XXXX ... ... ... ... ....
Consumer complaint received 2017-01-11
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: VALLEY NATIONAL BANCORP (NJ)

Hello Sir /Madam ( To whom it may concern ) I opened a checking account and a safe deposit box in Valley National Bank in around XX/XX/XXXX-XX/XX/XXXX which was closed XX/XX/XXXX-XX/XX/XXXX, And when I went to bank asking for the copy of the log book of access to safe deposit box, sales associate XXXX XXXX ( XXXX XXXXXXXXXXXX ) said they can not get it as its an old and closed account, as I know bank has to maintain the record for at least 5 years by law, and I need this information to provide it to court for some family dispute and its very important, is there any way CFPB can help me getting information for me. Thank you XXXX XXXX
Consumer complaint received 2017-03-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

I filed bankruptcy 5 years ago and it was discharged XX/XX/2016. Since this time have been trying to get the bankruptcy flag removed from my account. I cant contact them to get any information concerning my account. When I try to contact them th call goes to a third party company. I keep paying my mortgage and the balance never change. I have gotten several notices that I was entitle to a escrow refund but it never comes. I received a refund on my property tax because of my age XXXX. Havent heard anything from Ditech.. I tried emailing them and all I get is a form letter about they will have more infoe and nothing has happened for 9 months.
Consumer complaint received 2016-07-08
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Threatened to take legal action
Company: BlueChip Financial (MT)

XXXX OF XXXX REPRESENTING A PAYDAY LOAN COMPANY SPOTLOAN STATED I WOULD BE ARRESTED FOR FRAUD IF I DID NOT MAKE SOME KIND OF PAYMENT. I CLOSED THAT ACCOUNT THAT THE ACH WAS COMING OUT OF DUE TO RELOCATION FOR PERSONAL REASONS. AND I WAS NEVER CONTACTED MY A DEBT COLLECTION COMPANY OR THE COMPANY ITSELF.
Consumer complaint received 2017-03-14
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (IA)

I made two payments using a check from another bank ( XXXX ) to pay my balance down as XXXX was offering me a 0 % transfer. I accurately submitted the checking ( from XXXX ) information online into Synchrony 's web site. Unbeknownst to me Synchrony attempted to process the payment ( s ) as cash advances. XXXX rejected the transfer as this was not the intended purpose. I continued to make payments with my normal checking account as I had recurring payments set up so despite the 2 rejected payments I never missed a payment or was late. From my conversation with XXXX this was a clerical error on Synchrony 's end. Despite this Synchrony cancelled my account and referenced " dishonored payments '' for the reason.
Consumer complaint received 2016-02-11
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (OH)

I have a checking account and credit card with PNC bank. I have issues with both. 
The checking account has an overdraft protection account attached to it. PNC makes a habit of holding any payments made to the overdraft protection account to ensure that they can charge fees by processing any other transaction. 
PNC also did sell me an invalid cashier 's check and would not refund the fees incurred. That transaction wa cancelled due to the unprocessed check. These practices ought to be highly illegal and predatory. 
When it comes to the credit card account, I do not even know where to start. The proper question to ask is how come an account that is on automatic payments be ever late? 
The answer according to Pnc 's dictionary residecin their definition, and differentiation between automatic and recurring. 
My understanding is that both PAY a defined amount at a specified date every month. Do n't take my word for it, English is only my XXXX language. 
These SCAMS are the reason I m seeking your protection against this vile and low company. 
Did I mention I have been a customer since 2000? 
That relationship will end as soon as I these issues are addressed.
Consumer complaint received 2015-08-29
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (WA)

I already described it, but it went away. Will try again. 
My mortgage was with PNC Mortgage, my heloc was with PNC Bank. 
Our credit was great, until my husband died 3 years ago, I had to filebankruptcy, Chapter XXXX. Mortgage & Bank continued to be paid. 
After the bankruptcy the mortgage company would not send me anew payment book, the Bank would not report my payments to thecredit bureau. I needed to get some credit again, I needed to refinancehouse because of a balloon payt with PNC. Could not get a credit card. 
I have now refinanced, am finished with PNC and would not ever referthem to anybody, would warn my friends. I could not get an answer asto why they were not reporting.
Consumer complaint received 2016-08-28
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (FL)

On XXXX XXXX someone get access to my bank account information in this day some make a deposit of XXXX in my account with a check of social security. The took 45 days to realize the check was fraudulent. I really do n't understand what it took so long because first my last name was spelled wrong, second it 's not my signature in the check and third I received my check tru direct deposit never a regular check I revived the second wensday of the month. My account when overdrawn in the XXXX XXXX later the bank do n't even call me or informed me about the situation. The personal i went to XXXX different sulcus also in the XXXX area bad they treat myself like a common criminal I will not recommend this bank to fellow soldiers the way they treat me. At the moment I wax dealing leaving my residence due domestic violence where I was the victim due to this problem I sleep 4 days in car. Now I have abd apartment thanks to the wounded warrior program what I 'm grateful for the help. I do n't own a bed or tv or nothing besides pans and food due the domestic violence. On top of all this deal with the personal of this bank that do n't care about the client and do n't even offer a solution to the problem really disappointed I 'm closing the account with them
Consumer complaint received 2015-07-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (NJ)

I am contacting the CFPB for urgent help as my home has a scheduled foreclosure date of XX/XX/XXXX. I have been attempting to get a modification from PNC Mortgage for years. I had as business that I struggled to keep open for years and eventually closed the business and found employment. I have submitted applications over and over and always closed out for not sending in documents I sent in. I am begging to keep my home I purchased in XX/XX/XXXX for {$260000.00}. The value on this home is approximately {$310000.00} and I owe with arrears close to {$460000.00}. The rate is 5.875 %. I am not even looking for a lower payment, I am just looking to resume making payments. I had filed Chapter XXXX 2 years ago and this made applying for the modification even more difficult through the bankruptcy department. I am hoping the CFPB can forward my complete application to avoid going back and forth over missing documents.
Consumer complaint received 2016-12-22
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: PNC Bank N.A. (NJ)

On XX/XX/2016, i initiated a wire transfer from XXXX in the amount of XXXX to be transferred to my PNC checking account. The We were quoted an exchange rate of XXXX per XXXX $ or {$61000.00}. But the amount deposited into the PNC account was substantially smaller, {$59000.00}. When I called PNC about it, they noted an exchange rate of XXXX. I checked multiple banks ( XXXX, XXXX ) in the XXXX and in XXXX ( XXXX, XXXX ), and could not find this rate anywhere else in roughly a month 's time. The rates were in the range of XXXX and XXXX. 
When I called PNC to inquire again, they told me PNC uses its own rates, but during my first call, they had noted that they follow international rates. 

While I understand the rates can vary, I could not substantiate the rate used by PNC anywhere else, and thus feel we lost over {$2300.00}. Had I know this in advance, I would not have used PNC at all.
Consumer complaint received 2015-04-27
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (FL)

I was granted credit by XXXX who operated XXXX which was taken over by Synchrony Bank. So I was granted credit based on my credit report at that time. Synchrony now lowered my credit limit substantially, stating as a reason information obtained on the credit report. I contested that as the information has not changed. The reasons Synchrony stated in their original letter where they lowered the credit limit are not valid. Those same issues were there when they originally granted the credit, and as an aside my credit payment history with them, and ALL creditors since then is perfect. so I contested their reasons for the reduction, and they wrote back, XXXX, and do not address the issue but use the same boilerplate language. When I wrote a XXXX time pointing out my protest even stronger, I get the same boilerplate response.They will not allow calls and no other way to discuss or resolve the issue. Obviously writing does not move the ball forward on this at all. They simply do not respond to my questions or inquiry at all. 
They keep stating they made their decision within the law .... But I contend the reasons they state are not valid, at all.
Consumer complaint received 2015-10-22
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: KEYCORP (NY)

I am posting this under Deposits and Withdrawals, but it should go into the Problems Caused by My Funds Being Low because these issues mostly affect those of us who live paycheck to paycheck. I have many years of experience dealing with this fraudulent bank. I am an expert about my checking account. I keep very close tabs on it because I live so close to the financial abyss. I am writing this because I have XXXX overdrafts on my account that I incurred in the last three days because : Key bank routinely applies debits out of order which can result in excessive overdraft fees. Key bank routinely holds payments in the Pending Status long after the vendors have been paid, sometimes up to 7 days. 
When the bank account gets credited for the purchase, the record of the credit to the account is placed earlier than the day and time the account is actually credited. 
Key Bank routinely does not apply changes to the account in a timely manner and also applies debits to accounts out of order. 
Key bank routinely does not apply deposits in a timely manner and holds onto deposits to incur excessive overdraft fees. 
Key Bank reports available balances that are not accurate. 
When a cash deposit is made into an account, the cash deposit is recorded in Pending instead of being deposited directly into the account. 
Key Bank incurs regional ATM fees that show up on the account days after the ATM card has been used.
Consumer complaint received 2016-12-22
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Synovus Bank (GA)

I have been XXXX by Synovus Financial on XXXX loans. Predatory loans from what I can tell. back 10 or so years I asked XXXX ( owned by Synovus ) to convert my equity line into a standard loan so that I could pay it off over time and not incur any further debt via the original equity line of credit. 

You see, the idea was to extract myself from debt so that at some point I could enjoy financial freedom. However XXXX XXXX and Synovus has mired me into a predatory loan debt trap of the likes I do n't think I have heard about previously. 



Mind you at this point in time in life I trusted bankers to not take advantage of me or others. Trusting a banker was my mistake, I trust them about as much as I trust lawyers, I have quite a few attorneys in my family and I do n't even trust them. But I digress. 



I was pushed into a note with a balloon on the end of and a somewhat higher interest rate and was told that was the only sort of loan that the bank could move me to. I honestly felt I had no choice but to do the note. When the note came due with the balloon I went down to the bank and was yet again herded into another short term loan with a balloon and a rate quite well above the going interest rates of the time. Mind you all of this time I had never missed or been late on any payments to the bank and yet was forced into a very high interest rate loan. It was only in the last 12 or so months that I had ever been late or missed a payment. 




When the XXXX loan came do along with the balloon, I was yet told I was a risk and that I would have to endure yet another short terms extremely high interest rate and that there would be no balloon this time ( just crazy high interest rates and payments ). Again, I had never missed a single payment on the previous note. 



After I received a statement a couple of months ago, I realized that I pretty much owed the bank the same amount of money that I owed 10 or so years ago, that all of the money paid into the XXXX balloon notes basically paid the interest only, and hardly ( if any ) principle. Only now in the third loan that some actual principle be paid down.
Consumer complaint received 2016-09-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: LEXISNEXIS (CA)

Lexis-Nexus had erroneous information on my driving record which affected my Auto Policy through XXXX. I had to file a request to receive the false reporting via their auto system. When it came, and I contacted them to dispute it, I had to wait 1.5 hours on hold to finally get someone. She cleared it up w/ in 3 minutes - but not before I wasted all my time doing this. In addition, my auto renewal policy will become due prior to them correcting their false accusations, so I will have to pay a premium on my policy for renewal. Really, really disappointed. This needs to be addressed as I 'm sure I 'm not the only one being effected by their incompetence.