davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-09
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Ditech Financial LLC (NC)

GREEN TREEXXXX XXXX, SDXXXX ( XXXX ) XXXXXXXXThey are stating that I had an auto loan with them back in 2006. I have never had any loans or dealings with Green Tree. I do n't even know who they are to be honest. How can I get this taken care of?
Consumer complaint received 2015-08-19
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION (GA)

I had a check deposited into my account in the amount of {$800.00} on XXXX/XXXX/15. On XXXX/XXXX/15 the check was delayed depositing and then they said it had been returned. I have proof that the check written has already cleared the other individuals account. I was also charged an overdraft fee of {$36.00} and returned item fees of {$180.00} all on XXXX/XXXX/15, which is a day after the check was deposited into my account. I contacted BB & T and they said they had only the information that the check was either returned for a various amounts of reasons. I then again explained everything and asked to speak to someone else. This is when the representative told me I would receive a call back in 24-48 hours. I am extremely unhappy and beyond frustrated.
Consumer complaint received 2015-06-22
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION (MD)

I was given instructed by my nephew to deposit his check into my account to pay his rent. I deposited the check into my account. The bank did not credit my account. Instead they put a hold on the check. I called to ask why and was never given an answer or notified by mail as to what the problem was. I contacted my nephew as to the problem, but he XXXX unable to get any paperwork done on the matter. Since he is in XXXX, I cant help at this point. The problem now is that the bank is taking my money to cover a check that is still on hold. Right now they have taken XXXX dollars of my money and my account is XXXX overdraw for the balance of the check amount. I cant use my ATM, or debit card to pay any bills, I am literally without any banking. I do not know why they are taking money from my account, when the check I deposited is still on hold. They never put that money into my account They are literally stealing my money to cover a check that they never cashed for me. I spoke to someone in the corporate office in XXXX and they do n't know why the branch manager is holding the check. This is unusual because a week or so before I deposited a check from the gentleman the rents a room in my home. It was his S.S. check. He signed it and I put it in my account. There was no problem with that check. I need for this matter to be looked into because my XXXX check is direct deposit. How is it that they can go into my account an manipulate it the way they want. What does my money have to do with a check on hold in the account.
Consumer complaint received 2022-08-04
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. (NC)

It has been found out that you are not REMOVING items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-11-12
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (IL)

The specific problem here is Citibank 's failure to take XXXX " declined '' transactions out of its " pending transaction '' queue for my credit card. The more general problem is the absurd administration of the queue for various transactions. The attachment shows that queue for my Citibank AA Platinum credit card. 
The specific problem arose because on XXXX XXXX, 2015 my daughter ( a cardholder on the account ) went to purchase XXXX season ski pass for the ski slopes near hear college for {$500.00}. The transaction did not go through. She kept trying to submit it and ultimately a {$500.00} charge went into Citi 's system 4 or 5 times ( I 've been told different things by Citi during calls with Citi ; they should have call logs ). According to Citi, all such transactions were declined. However, 6 days later, there are still XXXX " pending '' transactions for {$500.00}. Those all use up my credit limit. Ultimately, on XX/XX/XXXX, my daughter tried the transaction again and I am told by her that it went through. 
I 've called and emailed Citi asking them to get rid of the already " declined '' transactions. In response, I receive emails that tell me the transactions can remain in the queue for up to 30 days ( see the attached emails in the image file ). You need to issue a regulation that stops such stupidity and unfairness. 
More generally, this little mess caused me to look at how long some things sit in the queue. You can see for yourself when you look at the list. It 's absurd. There are XXXX day old gas station charges. There is a XXXX XXXX charge for {$100.00} that no doubt is a placeholder charge from my stay at a XXXX LAST WEEK. I checked out XXXX XXXX XXXX. 
Obviously it 's easiest for merchants and Citi if they act slowly, if at all. XXXX, for example, should close out the placeholder. And, Citi should void out the XXXX declined ski pass transactions for {$2000.00}. But instead, they do not and I end up wasting my time on this nonsense. Moreover, it may be that these long delays help the bank to rack up " over limit '' fees from many of its customers. As we all know, today 's banks are all about hitting consumers with fees. This may be the same scam as stacking checks ahead of deposits in order to create overdraft fees in checking accounts. 
In sum, since Citi and others fail to act in a timely or responsible manner to clear out old transaction, you need to issue regulations that force timely and responsible action. Yes, it will cost Citi money to do things in a timely manner, but that 's what should be done and having more employed people would be a good thing.
Consumer complaint received 2022-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (VA)

I filed a dispute with Citi Bank to request a refund for two separate charges from the merchant XXXX XXXX XXXX XXXX. The original agreement was to set an appointment to style my hair in which I had cancelled but the stylist never refunded me, then a month later, they charged my credit card again without any explanation and would look into it and issue me a refund but never did. They eventually blocked me from communicating with them and I am currently out almost {$800.00}! 

The merchant was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX || XXXX || XXXX XXXX I sent over all communications that I had with this stylist/merchant and the dispute team did not do the due diligence of honoring the refund, crediting my account, and charging the merchant back the funds. 

The appointment had been made directly with the stylist, through text, not the XXXX party booking app XXXX. The stylist made the booking through XXXX and did not honor cancelling the appointments as we discussed through text message. I tried numerous methods to work with getting a refund from the merchant. I asked for the full refund because I cancelled the appointment, I tried giving leeway to letting them keep 25 % of the initial {$380.00} charge even though services were not provided! Afterwards, the merchant blocked me from communicating with them and refused to provide my refund, which is where Citi Bank comes into play. 

For the dispute, I submitted screenshots of text messages, emails, proof of contacting the 3rd party company XXXX and even going as far as to include medical evidence to prove my cancellation. I found it a bit excessive to provide medical receipts, but I was willing to provide a strong argument for my case that I was owed a refund. Unfortunately, I was denied by Citi even though I did everything I could to resolve the issue with the stylist and charges, they did not look out for their consumer. 

I will be sending over more information to Citi for an appeal regarding the dispute to Citi Bank with even more documentation than I originally submitted. I went as far as to prove that the 3rd party booking company XXXX stated that the stylist does have the ability to provide a refund! Regardless, the merchant should not be paid for something that didnt happen!
Consumer complaint received 2017-01-21
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: REGIONS FINANCIAL CORPORATION (FL)

We have our account with Regions Bank for years. We purchased a property and on the closing day, we received instructions from the Title Company to do the wire. We went to Regions and did the wire to XXXX XXXX XXXX and came to find out, the email we received with the instructions was hacked. XXXX XXXX XXXX found that out and is holding our money for over 70 days. They do n't give us information, do n't talk to us and we were told that they only will give information to our bank, Regions. On the other side, our bank is not helping at all, they refuse to get higher level people involved, to help us, they are treating us with a lot of demeanor. I sent an email to XXXX XXXX and XXXX XXXX, who we were told are the regional manager and operation managers and they never replied the email. Our branch manager also sent an email to them and they do not respond. This is the worst demeanor a bank can do to a customer. We are supposed to have help when there is fraud involved and Regions is not cooperating at all. We went to an Attorney and were informed that only Regions can do something for us and all they are doing is NOTHING!!! Having a regional manager and operation manager like this, they should have some punishment for that!
Consumer complaint received 2015-04-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (IN)

My original mortgage was with XXXX Mortgage so I had no choice in the use of Green Tree Servicing LLC. The house that was being serviced by GTMS was sold and the closing date was originally set for XXXX/XXXX/2015. I was told by the title company not to make my XXXX payment as this would alter the HUD. The closing was moved to XXXX/XXXX/2015 however as the payoff was being sent via ACH it would reach GTMS prior to the Late phase. I received an unfriendly call from XXXX at GTMS on XXXX/XXXX/2015 indicating I needed to call right away. I did so however of course no XXXX was available so I spoke with XXXX. I explained to XXXX that the closing had happened and the funds from the proceeds for me were posted to my account so I was certain Green Tree had theirs as well. She insisted they did not and indicated that the only way to prevent reporting a late payment ( never been late in the over 20 years ) was to give them my payment information and if they did not receive the pay off by Monday XXXX/XXXX/2015 they would secure a payment. She assured me that if they did they would not. I reviewed the on line account on XXXX/XXXX/2015 and the account was closed and indicated as paid in full so I knew the payoff was received. I called on Friday XXXX/XXXX/2015 simply to make sure. The representative I spoke with rudely told me she could n't help me because there was nothing for her to look up as the account was not active. Okay so no payment should draft on Monday if no account is open. Guess that is not true as GTMS took the over {$1200.00} plus a {$12.00} fee on Monday XXXX/XXXX/2015. I immediately called and was of course given the run around and the hummm not sure why that happened. I was told it would be reversed right away and XXXX took my checking account and routing information to make this happen. I waited a week before calling back only to be told that the funds were in a " no where to post '' account and it would be 30 days prior to their release. Makes no sense. The rep kept saying that they could n't refund money from a closed account well they sure could take it to a closed account. She transferred me to a " supervisor ''. I received said supervisors voicemail and three days later am still waiting for a return call. 
Not appreciative that my money is sitting somewhere unknown to me and that I have no way to get it back. Bad Bad Bad business practice!
Consumer complaint received 2016-06-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: EOS Holdings, Inc. (OH)

I have a a unverified account from EOS CCA # XXXX. I had previously disputed this account. I have never done business with EOS CCA. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt EOS CCA purport I owe. I no longer wish to receive phone calls from this company for any reasons. 
I request that EOS CCA Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that EOS CCA Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2017-02-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Tecco Systems (CA)

This company called " tecco Systems '' has been harassing me for over a month about a debt incurred way back in XX/XX/XXXX.One the first call. some lady just called me out of the blue and started yelling and screaming at me that I " BETTER PAY! - you-d BETTER PAY ME! " ... .I asked her to send me paperwork about what this was about.. 
I actually had to call back, to make sure this was a company, and not just some woman who may have got my credit report.Also, there was NO mention that the call was being recorded, and no disclaimer that " this is an effort to collect a debt. '' etc, turns out this XXXX dollar debt was from a doctor..awy back in XX/XX/XXXX XXXX and ahllf years ago. I made arrangements with that doctor, and I do n't understand why this company is harassing me now. obviously, this was a case closed, years ago. 
I did now receive anything in the mail, as I had requested., they called and harassed me repeatedly, even on XX/XX/XXXX and XX/XX/XXXX.Today I answered their call, again stated that I neede a copy of why I owed this, they jut said they sent it. I never got it and I got screamed at again, by a woman named " XXXX '' .she said " look if you 're not gon na pay, we 'll just put this as a collection on your credit report '' I never said I was n't going to pay, I merely asked for validation oof the debt. 
I have always paid my debts. being screamed at over something that was resolved in XX/XX/XXXX, is deplorable. Still. no " this call is from a collector.. '' disclaimer and I had to ask if this conversation was being recorded. she said no. I said, well this, conversation SHOULD be recorded ''. she yelled that they mailed me something on XX/XX/XXXX XXXX, no,,, I do n't hink so, I never got it. she told me that I had to email Them for them to email me a copy of whatever they sent me. Anyway ... .they are violating the fair debt collection practices in SO many ways. " tecco systems ''
Consumer complaint received 2016-01-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BYL Collection Services (NC)

I applied for an apartment at XXXX but my application was denied for an apartment. I received a letter stating I was not approved. The apartment complex is saying I owe administrative cost because I was approved and did not move in. I have forwarded the debt collector my letter where I was denied and they continue to try to collect and the apartment complex wo n't remove the debt either.
Consumer complaint received 2016-03-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LD Holdings Group, LLC (GA)

XX/XX/2014, I refinanced my mortgage on a rental property. Because of delays in the loan process by the lender, the close was delayed. This was at a time when my previous mortgage servicer was paying taxes. Taxes were escroed in the new mortgage to pay off taxes due in 2014. Taxes were paid by the old mortgage and the new mortgage company and were refunded to new mortgage. I raised the issue to the new mortgage company and they let the 3rd party closing attorneys know what was going on. I was refunded different amounts to reimburse for taxes that were described as " Double Paid ''. A {$290.00} tax payment was not paid on my behalf. I was not privy to this non-payment. Loan Depot was made aware and paid after penalties and fees were applied. I was not aware for more than a year later when I investigated why my payment changed so abruptly. I have asked Loan Depot to reimburse me for the amount paid in fees and penalties on my behalf without my knowledge ( {$220.00} ). Loan Depot has ignored my request and never responded to my inquiry.
Consumer complaint received 2016-05-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: P.S.C., Inc (WA)

I have recently learned that I have become a victim of identity theft and my social security and date of birth has apparently merged with another person. Because of which multiple debts and accounts have been now established with my information as my owing these creditors. XXXX of which is Puget Sound Collections. They are currently reporting to the credit bureaus that I have outstanding debts to them or their clients under a different name than my own. I have since disputed these accounts via all ( XXXX ) credit Bureau reporting entities and felt it important to also follow up utilizing this forum to help expedite the process in correcting this information and subsequently deleting my information from their records permanently.
Consumer complaint received 2023-01-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (GA)

Deceptive trade practices, Fraudulent misrepresentations during application process. On XX/XX/2023, I contacted Loan Depot for a refinance. I contacted them based on an advertised rate I found on XXXX. XXXX XXXX was the loan XXXX I was working with. I informed XXXX I was responding to advertisement I found on XXXX. She informed me that she could provide an even better offer if I was well qualified. I agreed to provide all the information she requested. She then proceeded to make me an offer that she presented as far better than what was advertised. I specifically asked her to reiterate the offer. She said I can get a 4.625 % rate on a 15 year fix loan with a {$7000.00} lender credit. I asked her twice to confirm that I heard her correct. She confirmed, but refused to provide an loan estimate unless I did the full application and gave her my credit card. Then I agreed to proceed with the full application. When I received the loan disclosures along with my application for signature, I noticed that there was no lender credit, but rather I was being CHARGED nearly {$25000.00} for points! I objected to this charge, and request the have the XXXX offer instead with zero points. In response, XXXX proceeded to lecture me about how much money I would save with her loan. She is dishonest, deceptive and a flat out liar. She should not be licensed to sell loans. I was conned into proceeding with an application on false pretenses. Luckily her company records all conversations. First, she plainly admitted that the XXXX ad was false to intentionally direct traffic to her company and that they would not honor that offer. Then she proceeded to apply deceptive and fraudulent tactics to overcharge me for points that I specifically and repeatedly told her I didn't want. This kind of behavior erodes the publics trust in institutional lending, is a deceptive marketing practice, and flat out fraudulent.
Consumer complaint received 2016-03-31
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (NY)

I made a purchase through PayPal which I expected to go onto my regular credit card like all of my prior usages of PayPal, but instead I was given a PayPal Credit account. Also, a monthly payment I had begun to XXXX XXXX was billed to this PayPal Credit account ( the following month, and ever since, this XXXX fee has been correctly billed to my credit card ). When I received the first notice that I had a PayPal Credit account, I immediately wrote PayPal that I did not want such an account ; they replied by telling me what a wonderful account it was. I was then out of the country for 6 months. Upon my return, I find that original purchase of {$6.00} ( plus the XXXX charge of {$21.00} which was wrongly billed to this account ) is now considered to be a debt of {$170.00} and has been turned over to a collection agency. I called PayPal and they said that there was nothing they could do. They are deceitful crooks. I refuse to condone this obscene usury and will never pay these fraudulent charges.
Consumer complaint received 2015-05-19
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (CA)

PayPal charged me late fees for missing a payment on their own card/Pay Later Plan. I never signed up for any PayPal plan/card and when I told the service representative, she said she could n't do anything about the late fees. All my life I pay my credit card balances in full at the end of the month. The cards are attached to my checking account and are paid in full automatically, leaving no balance. PayPay enrolled me in their Pay Later plan without my knowledge and then charged me when I did n't make a payment. I am very upset and this illegal behavior by PayPal should be put to a stop. 
I hope you can do something about this and get the " late payment fee '' returned to me. 
Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, CA XXXX : ( XXXX ) XXXX : XXXXXXXXXXXX