davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-28
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Ditech Financial LLC (CA)

This is my third time contacting the CFPB about Green Tree AKA Ditech LLC. This company has engaged in negligence and deception in regards to a questionable debt that their representatives have mislead me to believe to be an unpaid car loan and then a home mortgage. This form of deception is an infringement on my rights under the XXXX Debts collection act of California, and constitutes a reprimand towards the company involved in this form of consumer abuse. I received a response from Ditech LLC stating that they would take this unspecified debt off my credit report in writing, but they have lied again. The debt is still on my credit report, and they have attached unconscionable interest on this loan as well, knocking down my credit score. Ditech LLC has misrepresented themselves in stating that they were Green Tree, but now they are stating that they are not Green Tree. This can no longer continue. Deceptive business practices can never be tolerated!
Consumer complaint received 2016-04-05
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC (CA)

I received my billing statement dated XXXX/XXXX/2016, and noticed that the property address under the " Account Information '' section of Ditech 's new billing statement format does not include the unit number of the property. This could become a legal issue since the information on Ditech 's billing statement does not reflect accurate information, particularly the property address. I have called them many times in the past, and they were able to correct the " property address '' on their old billing statement format. Now, I have to contact them once again to correct this error. I spoke to XXXX at extension XXXX, and she suggests that I make this complaint once more, because she has no way of correcting it on her side. It is bad enough that Grant/Title Deeds do not show the exact property address even if we trace the document number filed through the County of XXXX. Please help me correct these errors, and hopefully we can start improving our housing record-keeping and eliminate problems completely.
Consumer complaint received 2015-10-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Ray Klein, Inc. (OR)

I paid off the Ray Klein on my credit report. I have contacted them many times asking for physical proof of satisfaction as well it to be reported as paid on my credit report. It has been months and they are saying they will do whatever i ask but refuse to give a timeline. it has been almost two months with no action.
Consumer complaint received 2016-06-23
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (OK)

As I have done many times before- I placed an order with XXXX XXXX for a {$10.00} embroidery design collection and attempted to complete the transaction thru PayPal XXXX I received a message that the transaction was pending due to a random scan. I attempted to complete the purchase several times and got the pending notice. I finally checked my email and had XXXX emails from PayPal describing the possible 72 hour delay in processing my order. On XXXX XXXX, I got an email stating that my order was complete. A few days later I checked the website I ordered from and the order had been rejected. I checked my bank account and saw that PayPal had taken XXXX {$10.00} debits from my bank Acct and credited only XXXX after rejecting my order. When confronted, PayPal stated that my order had been rejected because of federal regulations and the word " XXXX '' had been connected to my order and they were not allowed to deal with XXXX. I countered immediately that I am in XXXX and have no connections to XXXX and had completed this very sort of transaction over twenty times since beginning my PayPal relationship. PayPal refused to replace the XXXX dollars until I supply a copy of my drivers license and current utility bill to prove my identity. I am very uncomfortable giving my drivers license and utility bill to a company that even suggested that I am doing something illegal. They had no intention of completing the order and should not have debited my acct for the additional {$20.00} in the beginning. They are holding my {$20.00} hostage until I give up my id to them. This is wrong.
Consumer complaint received 2015-12-19
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: C/C Financial (TX)

On XXXX XXXX, XXXX, I purchased a mattress and box springs from the XXXX XXXX in XXXX, Texas. They had signs all over the store saying " 90 days interest free. '' When I asked the salesman about it, he told me that they had several sources for loans with 90 days no interest. He submitted my application and told me I was approved. He printed out the contract with the loan company, Merchants Preferred. The contract was XXXX or XXXX pages long and I just had to initial XXXX page and sign the last page and the Sales Receipt. The price for the bed was {$490.00}. He told me several times that there would be no interest until the 90 days was up, and that at that time, if I had not paid the bed off, that the interest would be pretty high. He turned the pages quickly, as he commented on what a certain page was telling me, and I signed it. He also said, " Just because you are paying {$41.00} every 2 weeks does not mean it will be paid off at the end of the 90 days. '' I laughed and said, well I would n't think it would be. While I admit that I should have been more cautious, I feel like I was not given all the information in order to make a better decision. I was not given a copy of the contract either. When I called the lender to find out my exact pay-off in XXXX, I was told it was over {$400.00}. I could not believe it. I said, but I 've paid over {$200.00} on this bed already. According to my calculations, I would have owed {$290.00} on XXXX XXXX, XXXX. It was then that I told the representative from Merchant 's Preferred that the salesman never said anything to me about interest being charged during the 90 days. What she told me was that for the first 30 days, the interest is 5 % and then each 30 days it goes up. I think I was not given all the facts about the loan, and I feel like I have been taken advantage of. I am a single woman and live alone, and I do n't have this kind of money to throw away. Is there anything you can do to help me?
Consumer complaint received 2015-09-09
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION (FL)

On XXXX XXXX, 2015 I was transferring {$350.00} to a friend XXXX. My friend and I decided it was wiser to meet and exchange funds so the transaction was Cancelled. The debit of {$350.00} came out of my BB & T checking account. It took until XXXX XXXX, 2015 for a credit of {$350.00}. to appear. I was charged {$72.00} in return item fees on XXXX XXXX XXXX My account would not have overdrawn had the {$350.00} been in it XXXX. After daily phone calls to both BB & T and XXXX and many XXXX calls XXXX it was decided on the phone with BB & T on XXXX XXXX that a claim would be put into Escalation to return the return item fees ... A process I was told takes 24 - 48 hours. On XXXX XXXX I again called. Not only had the {$72.00} not been credited to my account but another {$36.00} overdraft fee was charged ... My account would not have been in negative had the {$72.00} been there!! I was informed by BB & T that they had filed the wrong claim form and that ... oops, we 'll send the right one up XXXX A process I wish I could charge {$36.00} for ) ... I have called on a daily basis. I went to close my account from BB & T XX/XX/XXXX and asked how they 'd be returning my money for the incorrect fees only to be informed that returning my money was " courtesy '' and if I close my account I would Forfeit the funds!! It is now XXXX XXXX, 2015 almost one month later and I STILL HAVE NOT RECEIVED THE MONEY FOR THE BANK 's ERROR! Additionally, the companies that the items were returned to have charged returned check fees and in XXXX case a late fee. NONE of these fees or mistakes are of my own doing! The money to satisfy my debits would have been there had it not been for XXXX initial error and BB & T 's assessed fees.
Consumer complaint received 2016-10-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ACS Education Services (MN)

I have a student loan with the company ACS based in XXXX, NY. I have been unfairly charged interest amounts due to lack of attention to my account. I have also been denied the ability to pay in a timely matter. I have served in XXXX XXXX and I have been given money to pay my interest payments while in service. ACS has not accepted the payment action requested by XXXX XXXX to issue the interest payment. My first request was in XXXX 2016 and I have been dealing with customer service reps that have told me that they have not received any request. I resubmitted my interest payment request XXXX XXXX, 2016 with a rep on the phone and was told to wait 2 weeks. Today is XXXX XXXX, 2016 and there was still no action taken on my account. I was once again met with " We have no request on file ''. I asked to be connected to a supervisor, I was connected to XXXX XXXX. She was able to find the request and told me that it was being audited. When I asked the following questions I received the answer " I Do n't Know '' each time. Question 1- Why have your reps not been informed of this audit? Question 2- When will the audit be completed? Question 3- Will it be completed while I am still able to use my XXXX XXXX XXXX? I then requested to speak to her supervisor and was connected to XXXX XXXX. Her response was I ca n't tell you any more than XXXX.
Consumer complaint received 2016-02-05
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: BlueChip Financial (WA)

I have applied loan from Spot Loan {$800.00}. I have found out that their fees is too high and they do n't have license in state of Washington. I asked want to pay principle balance only. but they did n't agree. and Now collection company harassing and threatening me by phone every day to collect more than principle amount. They said they 're going to sue against me.
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Nicholas Financial Inc. (IL)

Ive pulled my credit report & noticed an unauthorized inquiries, I then contacted the original creditor, they werent able to identify me nor did they have any of my information on file or in their system. They recommend me to contact the credit bureaus to get the hard inquiries removed, I did so and Ive also file a police report for identity theft which I will include the police report number. To my assumption I believe someone had gotten my personal information and applied for something. The company Im referring to is : Nicholas finance corporation the inquiry was pulled on the date : XXXX
Consumer complaint received 2015-12-22
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: LD Holdings Group, LLC (MD)

Approached by Loan Depot for personal loan ; after reviewing the terms of the loan, I the consumer declined/rejected the loan. I received an Adverse Action Notice from the loan company making it sound like they denied me credit. Mentally this is shocking, since I refused to take out a loan with them, it sounds like an attempt to ruin my credit score. This can not be right. 
Please advise
Consumer complaint received 2016-11-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (OH)

What have a house with a loan from Citimortgage. We refinanced this loan with Citi three years ago and now have a principal balance of {$130000.00}. During the time of obtaining the loan, Citimortage obtained a very, very low appraisal on the house so after three years we had the house appraised recently at {$180000.00}. With this new appraisal we went back to Citimortage to request PMI removal. Citimortgage sent us a document stating we had to mail them back an official document and pay {$300.00} for an appraisal ... nothing else. The appraisal came back recently at {$170000.00} and based upon this corrected value the LTV rate is 77 %. Upon talking to Citi today, they stated they will not remove the PMI as they are going off the original appraisal value which is not correct. Most lenders recognize that there 's little point in requiring PMI after it 's clear that we as homeowners are making our mortgage payments on time and that you have enough equity in your property to cover the loan if the lender has to foreclose ... which of course we do. At this point Citimortage is holding up the process on purpose against the 1998 Protection act and laws at hand. If we do n't get resolve using the CFPB we will take Citi to court as this is nuts. Appreciate whatever help you are able to offer. 

Thank you, XXXX
Consumer complaint received 2016-06-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

In XXXX XXXX, I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX Citi ThankYou points in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account. 


XXXX Citi ThankYou points equals {$800.00} in travel on XXXX XXXX when used with the XXXX credit card. 


After enrolling with the promotion code, I contacted Citi and received confirmation that the offer was attached to my account. 


On XXXX XXXX, XXXX, I confirmed with Citi that I fulfilled all terms of the offer and to expect my bonus on or before XXXX XXXX, XXXX. 


On XXXX XXXX, XXXX, I did not receive my bonus points as promised. 


On XXXX XXXX, XXXX, I went on chat with XXXX and explained that I did not receive my points. XXXX said I should have already received my points. An internal investigation was opened. 


On XXXX XXXX, XXXX, Citi 's investigations team informed me that my bonus was denied for the following reason : " There was not a ThankYou Points promotion offered in conjunction with the opening of your account. '' Even though I have been assured by Citi that I met all requirements to receive my bonus, the bank is now refusing to honor their end of the agreement. 


Citi must credit my account immediately or additional steps will be taken to collect my promised bonus. I am extraordinarily unhappy and suspect that Citi routinely and systematically defrauds their customers.
Consumer complaint received 2017-01-23
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A. (NY)

I noticed CITI CARD XXXX ... XXXXXXXX XXXX XXXX XXXX, SD, XXXX. They are on my credit report ..its says ive had them since 1989 and have been making payments since then and still am. I do not get a bill for this company nor do I pay XXXX so I dont know why its on my report and why it shows I make payment and ive had it since 1989
Consumer complaint received 2016-12-07
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (NC)

I am writing in regards to how Citibank reported me as past due and did not even bother to contact me through any of their customer contact channels. I had to find out when my card was declined at a merchant. I opened this new account because Citibank hounded me to open an additional account as they took over the XXXX XXXX partnership. After 6 months of solicitations, I chose to do so and apply - and within 3 months they made an error and reported me past due. I am very frustrated as I have had a relationship with Citibank since 2000 and have NEVER been past due on any accounts. I am very concerned as this will impact my credit score and impact my ability to refinance my mortgage and apply for student loans for my children as they starting college soon.
Consumer complaint received 2016-05-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

I am writing to the CFPB in regards to Citibank 's false advertising practices and poor internal processes and control. I applied and was approved for a Citigold Interest Checking Account with Invitational Promotion Code : XXXX for XXXX ThankYou Points after meeting requirements. For further evidence, please see Page XXXX. 

On XXXX XXXX, XXXX, XXXX XXXX confirms that account is enrolled in XXXX ThankYou Points promotional offer ( Reference : XXXX, Page XXXX ). 

On XXXX XXXX, XXXX, XXXX XXXX mistakenly writes that my account is enrolled in promotion XXXX and that I must " complete Qualifying Debit Card Purchases of {$1000.00} '' ( Reference : XXXX, Page XXXX ). 

On XXXX XXXX, XXXX, XXXX XXXX corrects XXXX and writes that my account enrolled in promotion XXXX had successfully satisfied promotion requirements and that I will not have to provide the printout, as she has sorted out the issue of XXXX 's mistake ( Reference : XXXX, Page XXXX ). 

On XXXX XXXX, XXXX, XXXX XXXX reconfirms that account enrolled in promotion XXXX met the requirements and that XXXX Thank You Points will post by XXXX XXXX, XXXX ( Reference : XXXX, Page XXXX ). 

On XXXX XXXX, XXXX, Citibank sends mass emails about account openings for my checking and savings. On XXXX XXXX, XXXX, Citibank sends an apology for " technical errors '' ( Pages XXXX-XXXX ). 

On XXXX XXXX, XXXX, XXXX Thank You Points do not post and an inquiry is made. 

On XXXX XXXX, XXXX, Citibank writes that account had no Thank You promotion to begin with. 

It is clear, due to the above and the attached evidence, that Citibank is experiencing very poor internal processes and controls, including but not limited to : promotion enrollment mishandling, mass emails about account openings, points not posting properly, and more. 
There is also false advertising and confusing marketing involved by leading the consumer on and making false promises to a Citigold consumer that points will post by a certain date, only to be told that there was no Thank You Promotion applied, despite evidence saying otherwise ( including XXXX confirmations of promotion enrollment ).
Consumer complaint received 2016-05-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NJ)

I signed up for Citi Gold Checking account promotion back in XXXX 2015 via online offer for bonus XXXX Thank you points after meeting certain requirements which I have already met. I confirmed with Citibank on couple of occasions in the past XXXX4 months that I am eligible for the bonus and have met all the requirements. I was told that I am eligible and have met the requirements and the bonus XXXX Thank you points will be awarded as soon as Citi receive and process my XXXX form. I have already sent the XXXX form twice. so when I inquired again this month, I received a letter that I am not eligible for the offer and I was n't targeted for the offer due to an old Citi checking account ( not the new Citi Gold Checking ). I was told on XXXX occasions that an offer code is attached ( XXXX ) to my account and I should be getting the bonus XXXX thank you points as per the terms and conditions. I love Citi customer service and love citi bank in general but not sure what is going on in this case.
Consumer complaint received 2015-06-15
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Solidus Group LLC. (UT)

I received a phone call at my place of employment from a man stating he was pressing criminal charges on behalf of a payday loan that was not satisfied 3 years ago. I asked that he not contact me at my place of employment and asked for a number to call him back. I promptly called back to find out what the issue was. The man stated that I was a criminal that defrauded a payday loan company and that I was being charged. I stated that I have n't received any sort of information regarding the debt and did n't know what he was talking about. He went on the call me a 'piece of XXXX ' who was criminally taking out loans and defrauding companies. He continued to yell and verbally abuse me and accuse me of criminal activities I did not commit. I immediately asked to speak to a supervisor.
Consumer complaint received 2016-01-26
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (SC)

My complaint is regarding a charge I am disputing that was made on my Best Buy/Citigroup credit card, by Best Buy, on XXXX/XXXX/XXXX in the amount of {$100.00}. This charge has accrued late fees and interest, now resulting in the current total balance of {$280.00}. 

The history of this charge is as follows : On XXXX/XXXX/XXXX, I purchased a one-year Best Buy/XXXX membership service at a Best Buy store in XXXX, XXXX On that same day, I received an email ( see attached email dated XXXX/XXXX/XXXX ) from Best Buy/XXXX confirming purchase of the service and charge to my Best Buy credit card. In this email, the following was clearly indicated with regard to the future renewal of this membership service : " We will notify you via email 30 days prior to any charge to your credit card. '' With regard to the disputed charge made on XXXX/XXXX/XXXX, Best Buy/XXXX DID NOT notify me via email ( or any other form of communication ) 30 days prior to the charge made on XXXX/XXXX/XXXX despite their promise in the above-referenced email/confirmation receipt. 

It is important to note that in years past, I had received notification emails alerting me to the upcoming expiration of this membership and the pending charge for renewal ( see attached email dated XXXX/XXXX/XXXX, XXXX/XXXX/XXXX ). These emails allowed me to decide if I wanted to continue the membership and also alerted me that a charge would be made on my card. Following a renewal, I was notified by Best Buy/XXXX via email of confirmation of the purchase and resulting charge on my Best Buy/Citigroup credit card ( see attached emails dated XXXX/XXXX/XXXX, XXXX/XXXX/XXXX ). 

With regard to other products for which I had purchased renewable XXXX Protection, I had always received emails from Best Buy/XXXX alerting me to the pending expiration of the protection with an option to renew ( see attached emails dated XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX ). I chose not to renew protection on these items so, subsequently and appropriately, I was not charged for the renewal. 

However, and with regard to the disputed charged, not only did Best Buy/XXXX fail to notify me 30 days prior, I did not receive any notification following the renewal/charge indicating that the membership was renewed or even that a charge had been made. 

Again, I did not receive ANY notifications of the pending renewal, pending charge, confirmation of a renewed membership, or confirmation of a charge made to my credit card. 

I began to dispute this charge in XXXX XXXX after Best Buy/Citigroup contacted me via telephone regarding this charge about which I had no knowledge. At that point, the charge was already past due. My attempts to dispute this charge have continued since that time and up until present day without any satisfaction. Over time, late charges have been applied to the original charge resulting in a total outstanding balance of {$280.00}. Furthermore, Best Buy/Citigroup has reported to these late payments to the credit report agencies causing a significant reduction in my credit score.