davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-23
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (FL)

SYNCB/JCP ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you SYNCB/JCP or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : SYNCB/JCP or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2016-12-13
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (CA)

I signed up online for a credit card for Walmart. 

I never received a card. I still have not received a card. 

I never received a bill UNTIL AFTER I was notified that my payment was late. This failure to bill is not only bad business practice but implies fraudulent practice. 

I called customer service to complain that I was unable to access my account online and that I was furious that I would receive a late notice before I received a bill. 

At that time, I CANCELLED my account with a promise to pay the balance in full and the bank would remove the late charges. 

In XX/XX/XXXX and XX/XX/XXXX, I had a XXXX. 

I lived up to my part of the bargain with the CANCELLATION and PAYMENT OF BALANCE IN FULL. 

However, the bank failed to live up to their bargain in removing the late charges. Since then, the account, although closed, has continued to accrue late charges. This failure to follow through is not only bad business practice but implies fraudulent intent.
Consumer complaint received 2016-09-30
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (NY)

XX/XX/XXXX, I checked my credit card transactions for my Barclays Card on-line and saw a charge that I had not made. I contacted the credit card company and told them I thought I was the victim of fraud and they agreed to remove the charge and investigate it. When I got my statement a few weeks later, I saw another fraudulent charge. I called again to report it and they agreed to cancel my card. I complained that the second fraudulent charge could have been prevented if they had responded to my first complaint and cancelled my card then. I then asked if they had experienced a security breach because I had not lost my card and it had not been stolen. They admitted that they had, but would not give me any details about the breach. They could not refer me to anyone who could give me that information and whether I was at risk of more identity theft. When I asked to complain to a supervisor I was put on hold for an extended period of time and finally had to hang up. The fraudulent charges on my account were very obviously fraudulent. They were for much larger amounts than I usually charge and made at stores far away. I believe that Barclays should have been able to identify the fraudulent charges themselves and should have made an effort to do so, particularly because they had experienced a security breach. I believe they had an obligation to let cardholders know about the breach so they could protect themselves from further identity theft. I was appalled that they seemed to feel no sense of responsibility and did not act proactively and to expose me to further identity theft rather than let me know there was a breach.
Consumer complaint received 2017-01-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (WI)

I have had the same issues with NAVIENT with my loan. The loan started at {$40000.00} and now it is over {$120000.00}. Every time I have tried to get some kind of repayment that I could afford I ended up with a forbearance. I then just last year tried to contact them to try to negotiate a one time payoff of my loan to pay off what I originally owed and a bit more to take care of this loan. took me over a month to track someone down to talk to then was told that the loan is actually owned by a foreign company and that they would never negotiate a buyout they would rather I not pay and let it keep growing. This is so sad that I want to payoff what I originally owed to take care of this but they are not wiling to do that. We need the government to step in and help us take of our student loans. I dont want a free ride I want to pay for what I originally owed.
Consumer complaint received 2015-04-27
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: PNC Bank N.A. (PA)

I have a complaint against PNC Bank for defamation of character and fraud. I have been with this bank for over 8 years. My daughter and I had an joint account because she was a minor at the time. In XXXX XXXX there was an estimated amount of XXXX in fraudulent transactions on this account. My daughter looked for her card and seen that the card was stolen from her wallet. There was checks from a car dealership XXXX and was used in a community bank in XXXX, XXXX. There were numerous transactions at XXXX, XXXX pharmacies and other retail outlets in the state XXXX, in the city of XXXX, XXXX, and XXXX XXXX. We have never been to this state or cities. I have filed XXXX disputes with the bank and they were denied. Because they claimed that there was film, which they had not shown us. I filed a police report and had my attorney write them a letter to resolve and clear my name of any involvement. They have not contacted my attorney or myself. The bank has now put these charges on my credit and has XXXX credit agencies contacting me regarding the balance. They also closed all my account and will not return any monies. I know if they would have investigated these checks and transactions I would n't have become a victim of a crime and false accusation from this bank. I believe that they are responsible for being irresponsible for not protecting me as a customer and allowing anyone to hack there system to withdraw funds.
Consumer complaint received 2015-08-28
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: M&T BANK CORPORATION (FL)

Hellothe issue is that we were doing a modification that started with XXXX and then it was given to M & T Bank for continuation. Towards the end of our modification, our house was sold, although we had received papers from the court that they were giving us a date in court to stop the foreclosure sale that was suppose to happen the following week. Yet, our house was sold a week BEFORE the court hearing was suppose to take place and when all papers shows that the modification was taking place. I wrote to the court but they replied that hearing was final. I also appealed the courts final decision and the appeal was denied. I asked for a rehearing and that too was denied. Since the beginning I have tried to explain all the process to them. I haave sent and resent papers with proof of what I 'm saying with very detailed explanation and it seems that it has fallen on deft ears from banks to courts to everyone. I found your article in XXXX magazine and decided to write to you about it as a last recourse. I still have hope everything can be undone. They had also told me that if I showed something had changed they would take it under consideration when we were still in the modification, but although I showed my husbad was now working nothing was taken into consideration and nothing changed. 
Thank you
Consumer complaint received 2016-06-08
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (OH)

I am filing a complaint on behalf of a reward dispute that occurred with Cit Bank Group for my Citigold checking account. The reward was for XXXX XXXX XXXX points after completing the necessary spending requirements ( which were met ). Despite receiving repetitive confirmation from Citi Bank both via writing and phone that I would indeed receive the bonus points, Citi Bank eventually withdrew their offer from me without any justification. Additionally I was charged a $ 30 monthly fee to keep my Citigold checking account open while I was waiting for my points, which now, according to Citi, I will never receive. 
I suspect that Citi Bank intentionally provided me with dubious information in order for me to stay a Citigold customer and continue to pay the $ XXXX monthly fee for their service. 
I have ample amounts of documentation to support my claim that Citibank confirmed the promotion and then went back on their word including an inquiry that Citibank, itself, filed in XX/XX/XXXX confirming I was eligible for the promotion which they obviously never honored.
Consumer complaint received 2015-05-28
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Nelson and Kennard (OR)

my wages are being garnished for a debt that is not mine.I have received credit reports from XXXX, XXXX XXXX and this account is no where in my credit reports.After reading the writ of garnishment I noticed that the social security number *********** had been crossed out and my social security number *********** had been handwritten in.This is not my account and I feel like a victim to unfair debt collection.
Consumer complaint received 2016-09-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NH)

I have completed a deed in lieu of foreclosure with Ditech. I completed all the requirements and received a check through cash for keys. All the paperwork has been signed and I have contacted the attorney in charge who states the deed in lieu has been filed and is entirely complete. Although this deed in lieu paperwork was completed XX/XX/2016, they are once again harassing me with letters and phone calls regarding this debt. I have explained to them that the deed in lieu has been completed ( obviously they should know this ... ) and I have a deficiency waiver agreement I received from them. I have told several people who have called me from ditech that this matter is settled and they should not be contacting me. Nobody has followed up and they continue to send me letters, bills, and calls. I recently received a certified letter regarding default on this loan and demanding payment.
Consumer complaint received 2022-10-01
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. (MD)

I disputed 2 items erroneous reporting on my Equifax credit reports on four occasions, via USPS Certified Return Receipt mail. The dates of the dispute letters were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( Attached ). 

The erroneous items are : XXXX XXXX, entered as of XX/XX/XXXX for {$490.00} XXXX XXXX reporting 90 days late from XX/XX/XXXX - XX/XX/XXXX The same erroneous information was being reported by XXXX & XXXX XXXX who did thorough investigations and removed the items immediately. Neither of them remain on reports from the other 2 bureaus. 

The letter sent on XX/XX/XXXX was not responded to until after 40 days of the USPS tracking receipt date. Due to not responding in 30 days the erroneous items should have been removed. 

The letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX- they responded that the information was simply " verified '' but provided no information on how it was verified. When I asked for proof of the investigation in subsequent letters, they simply reiterated that info was " verified ''. 

Despite the lack of a valid investigation or ensuing reinvestigations and never providing proof of verification methods, the discrepancy still remains with differing info from the other 2 bureaus, who with one letter were not able to verify the erroneous data and removed it immediately. ( Pages showing different reporting attached )
Consumer complaint received 2016-09-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

My bank ( XXXX XXXX XXXX XXXX ) sent my mortgage payment to XXXX previous loan servicers. A third servicer ( the correct XXXX ) BSI Financial Services, was finally paid on time, but one of the incorrect payments was lost and never returned ( {$1000.00} ). One of the incorrect payments was returned because my bank stopped payment on the check. The second incorrect payment was made through billpay and the payee claims they forwarded the funds to BSI Financial Services. BSI claims not to have received the funds. I asked my bank to investigate but they were unable or unwilling to follow through. 
So, I am out {$1000.00} and all parties to the problem are unwilling to help me.
Consumer complaint received 2015-07-02
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Bliksum, LLC (CA)

This company calls me 20 times a day from different numbers throughout the ALL US States, NOT just CA. I was hospitalized and they were told not to call, yet continued to call daily. They record ALL conversations without notifying the caller, and in CA that is not legal. They call before XXXX, and after XXXX. This is all harassment and they do not care.
Consumer complaint received 2016-05-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (SC)

during separation my husband was to pay the mortgage per court order. He did not, I did not know until the mortgage was 1 year behind at that point I tried to get assistance from the lender and a loan modification and government funding to assist with the arrearage ( I did rec. that approval ) the lender - Ditech/Greentree is running me ragged and not communicating with me. I can pay this mortgage but I need to get approval so that the funding I have rec 'd can be released. Summary Judgement has been ordered and I am in process of foreclosure. I can not get the lender to communicate with me if I can get a loan modification and I have all of the emails, faxes and recording of phone calls.. I 've been getting a run around for months and can not get any straight answers. I am desperate, I am a mother of XXXX small children and I need help. I can not get any help from Ditech/Greentree and I am pleading that you will help save my family and my home.
Consumer complaint received 2016-03-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (AZ)

Refer to complaint XXXX. The complaint was not resolved. The company did not correct my mortgage payment effective XXXX 2016 per their response. They admitted that they stole {$1200.00} from my escrow account to pay someone else 's taxes and that they penalized me by raising my monthly payment. They made their correction effective XXXX 2016 leaving me to pay the {$890.00} for XXXX which is {$220.00} more than was due for XXXX 2016. Their response did not address the other issues at all ... the fact that they have consistently paid my XXXX taxes late costing me late fees and interest. They did not respond to my request for a refund of the late fees and interest that they again stole from my escrow account. They also did not speak to their insulting and derogatory message " This is an attempt to collect a debt and any information obtained will be used for that purpose. '' This statement is made on every call I have made to them and also appears in their response letter. They are not attempting to collect a debt, my account is not past due, I am calling them with questions and they are not a collection agency ... they are my mortgage company. I am 100 % dissatisfied with their response and demand action.
Consumer complaint received 2016-08-02
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Movement Mortgage LLC ()

We are currently in process of selling a home. The buyer 's agent and the lender are non-responsive to my agent and staff. We are now 3 weeks past our original close date with no explanation whatsoever. We are also out of contract as of XXXX/XXXX/2016. We will be going to litigation for the buyers escrow as we have no signed extension or cancellation from the buyer. We are currently seeking legal counsel in regards to Movement Mortgage ( XXXX XXXX, XXXX XXXX, XXXX XXXX ) and XXXX XXXX ( XXXX-ID XXXX ) with XXXX XXXX. 
As an out of country seller, the conversion rate alone has costed me over {$2000.00} in the last week of losses. The utilities were turned off for the original close date. Our grass is now dead due to lack of water. We have received no correspondence from Movement Mortgage or XXXX XXXX as to what is happening with this transaction. 
Per the realtor contract, we are entitled to the escrow of {$2000.00}. We will be pursuing this as the lender has caused the buyers default of the contract.
Consumer complaint received 2015-06-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (WA)

As per case # XXXX ... Green Tree stated that they did not assess any late fees to our Account XXXX. XXXX with them which is now paid and closed. However, in their own accounting of the statement sheet they attached to their response to that complaint, there 's {$500.00} listed there under the 'late fee ' column. Since we disputed any late payments ( we did n't pay late ... Green Tree was applying the payments late due to our bankruptcy ), we want Green Tree to refund that money via check XXXX {$500.00} XXXX since they said they did n't assess it anyway as follows : '' ... there has not been a late fee assessed to your account, nor has there been any negative reporting to the credit bureaus. ''
Consumer complaint received 2016-10-10
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (NC)

Submitted a loan modification package to PNC XXXX XXXX, XXXX. This is a XXXX mortgage and can not be submitted through HLP. I have submitted three different packages to PNC and then on XXXX XXXX, XXXX I was advised I had been sending the wrong package that PNC Bank was not the same as PNC Mortgage. I requested the correct package be sent to me on the same day and now it is XXXX XXXX, XXXX and after 2 additional calls I still do not have a package. I spoke directly to the spoc and requested for a third time. This file has a hearing date coming up this month and the file is not even being reviewed supposedly because the correct loss mit package has n't been submitted
Consumer complaint received 2018-05-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP (CO)

A while back US Bank offered me and extra account for overdraft protection. They told me it would cover my overdraft fees, which they never explained to me it was for under a certain amount, and caused me to owe them. So then I decided to close the extra line/account. I also asked them to not let any transactions go through if I did not have any money. The app is inaccurate and they charged me an overdraft fee and still let me keep making transactions and charged more overdraft fees on top. They refunded me the initial fee but due to that fee I was charged three other fees.
Consumer complaint received 2016-02-18
Product: Credit card — 
Issue: APR or interest rate — 
Company: BARCLAYS BANK DELAWARE (CO)

We have had numerous problems with this credit card XXXX, XXXX Dividend XXXX. 
1 ) Was offered 0 Percent on new purchases ( very clearly ) and transfers 2 ) Never been able to use miles ( have over XXXX ) but flights are never available 3 ) Had XXXX fraud cases on XXXX different cards sent to my wife, even though they had never never been activated. When case opened, we never get a call back and have to continually call them to get status. We called to let them the first week of XXXX to let them know this was not our purchase which was a recent charge of {$720.00} on XXXX XXXX on a flight from a year ago which makes no sense. We called a few weeks ago because we never got a call back and they had n't opened a case yet or credited our account. 

We have complained several times about the interest charges and was told a year ago it would be corrected, but it never was. Now they are saying they ca n't correct it. 

This bank ( Barclay ) seems incompetent to be offering a credit card to customers.
Consumer complaint received 2017-04-28
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: Experian Information Solutions Inc. (CA)

I have several student loans on my account, in which most are duplicates. I brought this to the credit bureaus attention and explained if they weee unable to determine which loan was what and what was a duplicate. Then I felt it needed to be removed. They told me 30 days and I would see the accounts removed since they did confirm mostly all were duplicates. Here we are almost 3 months and no account have bee removed and they are still giving pull back when they have the proof. Please investigate this matter.