davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: We Collect Inc (OR)

they are overly charging me for for cleaning. they are charging me a XXXX dollars on top of the XXXX $ paid to them. I do n't think that injust because they say that they want this money that they should be able to put this on my credit report I lived in a XXXX sq ft duplex that I defiantly can replace everything in the house for XXXX $ the deposit that was they with held. They are overly charging me. and this big amount is keeping me homeless. because no one will rent tome because I owe XXXX XXXX an in proper amount that they are being no help to. first off all this duplex is a box they only thing came with the duplex was a refrigerator and blinds and walls. I left the kitchen exactly how I got it and they bathroom to no damage to anything so I do n't see how replacing a few blinds for they window and maybe painting the walls again can cost XXXX dollars I lived there more then a year in a half so of course the walls would need to be painted
Consumer complaint received 2016-10-21
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC (VA)

I was contacted by a representative from my current lender. The representative offered a XXXX point reduction in APR refinance loan for a {$10.00} administrative fee. The representative advised that because I had refinanced less than a year ago, the home assessment would not be needed. After a month, I was contacted by the representative and advised that I would need to obtain a new home value assessment. Once the assessment was complete, the home inspection documents that were sent separately to me and confirmed that the value had not changed. I was later contacted by the lender who advised that I did not qualify for the no cost refinance because my home value had dropped by XXXX. The terms then jumped to over XXXX for the same refinance. After showing proof that my home value had not changed, the loan rep advised that loan depot had made an error and there was nothing he could do. After multiple communications, the rep stated that he did not understand what had happened however, I would qualify for XXXX options that would both cost over XXXX.
Consumer complaint received 2016-03-01
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: REGIONS FINANCIAL CORPORATION (FL)

I have a checking account with regions bank and a unauthorised person took {$800.00} out of my account with out my permission. I still have my debit card in my possession and I never give anyone my info so I do n't know how this person took money out of my account. Both withdraws was taken out at a atm. I noticed the next day and immediately called my bank and filed a fraud report along with a claim. I called the bank a week later learning that they denied my claim because the transaction happened in the same state and because they knew my pin. I told them I still have my debit and can prove I was at work at the time the money was stolen. The bank never credited Me back my money. This was all the money I had and I need help getting it back.
Consumer complaint received 2016-11-22
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: ETHOS LENDING LLC (CA)

I started the process of refining my 30 year mortgage into a 15 year fixed on XX/XX/2016. I understand I am self-employed and a jumbo loan so as originally stated it would be rushed to close in the normal 45 day timeline but the lender felts they could make this happen. Since then I have been asked for at least XXXX different items from my CPA. I did sign docs on XXXX/XXXX/16. They took my escrow payment. A few days later I was told I had to sign new docs but was not given a reason. An hour before the XXXX signing appointment I was told they had to start the whole process over and they found a new investor but it would be XXXX weeks tops. Here it is XX/XX/2016 and I still have not had my refi completed and they keep asking me to get more data from my CPA. I feel like they do n't believe a female self-employed single person could make the money I do. ( My partner passed away XX/XX/2016 ) and I feel discriminated against. They refuse to tell me why the first loan was not funded and will not answer me on why it is taking months to close, I have more cash in savings then the loan, I have over an XXXX credit score and I make a very high income. I would like the XX/XX/2016 loan to be funded and have the loan adjusted for the lower rate for all these months.
Consumer complaint received 2015-10-20
Product: Credit card — 
Issue: Overlimit fee — 
Company: ARVEST BANK GROUP, INC. (AR)

Security Bankcard Center , Inc. advertised as if they were ARVEST Bank. I have a corporate card. I have been paying my monthly credit card bills, up until XXXX 2015. I found out that Security Bankcard Center has been charging me over $ XXXX {$100.00} per month for my pending balance on my credit card. This was never listed in the contract that this company would charge in excess of $ XXXX {$100.00} for carrying a balance. They advertised in a false manner. I do want to pay the card continuously, but after the card company reimburses my card for all of the money they have charged over a year just because I had a certain balance. I do have the contract. I want this matter resolved fairly.
Consumer complaint received 2017-03-06
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: BTH Management (CA)

plaza services XXXX did not call me or send a letter stating i owe this debt, also not giving me verification of this debt, or a chance to dispute this debt before reporting it to the credit reporting agencies. now this debt is reporting on my credit report causing my credit score to drop XXXX points, disqualifying me from receiving the home loan i currently applyied for
Consumer complaint received 2016-05-31
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (GA)

On XXXX XXXX, 2016, I sent in a monthly mortgage payment of XXXX. XXXX. I also sent a letter stating why I was sending additional funds over my normal monthly payment amount of {$600.00}. I stated in my letter that I was sending in a payment of {$620.00} and {$600.00} should be taken out for the month of XXXX 2016 payment leaving {$15.00}. However, addition payments will be sent for the months of XXXX and XXXX in the amount of {$1200.00}. Combining my {$15.00} previous payment with this latter payment will total {$1200.00} and this amount is to be applied for following two months of XXXX and XXXX. Therefore, I will not need to send another payment in until XXXX 2016. On XXXX XXXX, 2016, I sent in the funds of {$1200.00} with another letter reiterating my previous instructions : My name is XXXX XXXX and I sent in a payment of {$620.00} for XXXX 's mortgage payment. {$600.00} should be taken out for the month of XXXX 2016 payment leaving {$14.00}. However, this is a check for the next XXXX mortgage payments of XXXX and XXXX in the amount of {$1200.00}. Combining my {$15.00} previous payment with this latter payment will total {$1200.00} and this amount is to be applied for following two months of XXXX and XXXX. Therefore, I will not need to send another payment in until XXXX 2016. If there are any questions I can be contacted at XXXX. 

My XXXX mortgage payment was paid out the {$1200.00} check I sent in, but I am having a very difficult time getting the XXXX payment applied to my mortgage monthly payment. When I initially spoke to customer service at the beginning of XXXX, I was told it would take XXXX to 7 business days to get the funds reallocated to my XXXX payment. Now XXXX XXXX, the funds have not been applied to my XXXX 2016 payment and it has been over 30 days since I requested it. I need this situation resolves immediately because my XXXX mortgage payment will be due in XXXX days.
Consumer complaint received 2015-10-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (AZ)

To : Consumer Response Center, Room XXXX, Federal Trade Commission,XXXX XXXX XXXX XXXX Washington XXXX XXXX XXXXTo Whom it may concern ; I am writing to seek your help with a Mortgage Creditor ( Greentree/Ditec ) that refuses to report accurate consumer information and ask for your assistance. My wife and I have exited a CHXXXX Reorganization Bankruptcy XXXX XXXX. XXXX, which was closed over one year ago XX/XX/XXXX, as evidenced " Order Entering Final Decree and Closing Case '' .. 


My wife and I fell into hard times during the Real Estate debacle XX/XX/XXXX. We filed for CH XXXX Reorganization to save our house and to hopefully begin to rebuild our credit. Now 6 1/2 years later, they refuse to report our impeccable payment history as required by the FCRA and Bankruptcy Rules. They state the account is Closed, " 0 '' balance and bad payment history. Not the case as we have a balance, and have an impeccable payment history over the last 6 1/2 years. 

Over the last 1 1/2 years, we have sent dozens of letters, phone calls and faxes, and providing proof of the closure and providing the " Final Decree '', and requesting they report our mortgage account to the credit bureaus. On phone calls, they simply state that they " can not '' report our account to the bureaus until the Attorneys approve it. We are unable to speak with the Attorneys. 

This is not a frivolous matter, and their refusal and inaccuracy is robbing us of the ability to gain any credit, which is the life blood of every single consumer. We wish to purchase another home, but lack of published credit prevents it. We ask that you assist us with this matter and demand that they immediately report our credit file to the credit bureaus. Below is the Company/Account information. 

Greentree / DitecBK Dept. XXXX x XXXXAccount / Loan # Loan # XXXXProperty Address : XXXX XXXX XXXX XXXX XXXX AZ XXXXThank you sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2015-07-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (AE)

I have a mortgage managed by Green Tree. I recently changed my monthly payment from {$1500.00} to a twice a month payment of {$1700.00}. The payment plan was set up by Green Tree for automatic withdrawals from my bank that the previous payments were made. I received a statement for XX/XX/XXXX indicating I had a late fee of {$32.00} for not making my {$1700.00} payment on XXXX XXXX. I had already made a payment of {$1700.00} on XXXX XXXX which is more than my monthly mortgage. I have a document from Green Tree with the payment due on XXXX XXXX, not XXXX XXXX. I believe this is a common practice with Green Tree because they vehemently denied they were at fault. I have formally contested the charge and not received a response other than it will take 30 days to review. Interesting! I pay more than twice the amount of the mortgage, yet they charge me a late fee. Crooks!
Consumer complaint received 2016-05-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NY)

I have been TRYING to get a loan modification from Ditech ( current " servicer '' on XXXX loan, originally XXXX ) and worked with XXXX on the application. It was denied without any real explanation, so I spoke to an attorney who said I should still qualify and to XXXX, who ca n't help with appeals. So I wrote to Ditech asking for clarification, and was told that they are complying with XXXX guidelines. I can not find those guidelines and do n't believe Ditech is telling the truth. I have had a huge loss of income and increased indebtedness, which they have not taken into account, and I do n't see how it is possible that with monthly income of {$1100.00} and a mortgage payment of {$750.00} ( without taking into account ANY expenses, including debt service ) that I would NOT qualify. It seems they continue to deny because it is nearly impossible to challenge them on the facts or their compliance.
Consumer complaint received 2022-08-25
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (PA)

Credit card applied for at Macy 's on XX/XX/2022 in my name, under my social security number but I did not open this line of credit. I contacted Macy 's and they closed the account and started an investigation. On my credit report I also noticed that the address associated with this Macy 's credit card was XXXX XXXX XXXX XXXX XXXX XXXX. I have no associate with that address either. I have flagged this address as fraud through XXXX as well as reported the Macy 's line of credit. I have also have locked my credit reports for further prevention.
Consumer complaint received 2015-10-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (CA)

I was contacted by IC systems approximately 1 month ago requesting payment for a debt that I had previously paid over 2 years. After I informed them of this, they indicated that because the company was based in NY XXXX, the state laws require the company to validate the debt first -- if they could not validate that the debt was not paid, there would be no additional action. At that time, the collection had not been reported to my credit report and I was explicitly told that if the company could validate that the debt was not paid, it would not be reported until I was contacted to provide additional verification. Approximately 1 month later, I was notified that there was a new collection placed on my credit report. When I called IC systems to inquire, the indicated that the debt was validated as still outstanding by the vendor so it was reported to the credit bureaus. After extensive discussion where I indicated that this was not the agreement made with the previous representative, I was told that they only way they could " delete '' the listing on my credit report was if I paid the debt but that this was a " XXXX time '' agreement and I needed to make the decision now. Because I had paid the debt previously, this amounted to extortion - I was forced to make a decision to pay the debt again or deal with ongoing disputes with credit agencies providing documents verifying the amounts ( which I have ) with not certainty that it would be removed. Given the lack of certainty and the fact that I was " forced '' to make a decision on the line, I opted to pay the debt. 

At this point, I have already paid the debt and hopefully this will be deleted from my credit reports as promised. That said, these practices at the least are extremely unethical and most likely illegal. First, misleading me about the process with respect to a dispute process and then posting to my credit report without informing me about the result of that process is bad business practice. Second, threatening that deletion would not occur if I did not pay over the phone is extremely disappointing and represent extremely questionable tactics on the part of the collection agency.
Consumer complaint received 2015-12-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: USA DISCOUNTERS LTD (TN)

I had leased items from USA discounters My apartment got broke into twice and I just got back from XXXX and was XXXX I 'm now XXXX I submitted police reports and inventory and they would threaten me call my chain of command and kept making me make payments on items that where supposed to be covered in the event of theft now its on my credit cause me problems iv got copies of the emails from them
Consumer complaint received 2016-08-10
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL (VA)

PayPal has a repeated POOR BUSINESS PRACTICE of taking money for payments but then holding the funds for and extra week before releasing the available credit, even though they have the customers money. This practice is completely WRONG and PayPal needs to be investigated for wrongfully taking cash from their customers and holding it hostage, putting customers and small businesses at risk. Please investigate these unacceptable business practices and force PayPal to correct these unethical business practices.
Consumer complaint received 2016-10-17
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL (OR)

I am a patient of a XXXX in XXXX Oregon and needed some XXXX performed. The XXXX provided me with a credit application and I was approved. I did not know that it was an application for an outside agency called CareCredit / Synchrony Bank, but rather, I was under the impression that it was the XXXX office line of credit not a credit organization or banking institution. I was issued credit and never was informed that it was through a bank or credit agency. I have been paying payments in the amount of {$85.00} up to {$100.00} at the rate of 26.99 % interest in the unpaid principal. Of my payment of {$85.00} or {$100.00} only {$3.00} is being applied to the principal. At the rate of 26.99 % interest I will never get this bill paid. I feel that I was misinformed by the XXXX office that I was applying to an outside agency for credit, and then once the XXXX worked on me I have this unpaid balance on credit that will never be paid off in my lifetime. I believe this is unfair business practice by the XXXX and unfair business practice by CareCredit/Synchrony Bank for over charging of interest on the unpaid balance.
Consumer complaint received 2017-03-06
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (CA)

I 'm writing in regards to my Walmart Credit card from Synchrony Bank, On XXXX XXXX 2017 I had called in to Synchrony because I had noticed that my credit card payments had not been coming out of my bank account. After talking to the rep he stated that my account was closed on XXXX XXXX 2 days prior. My complaint is Walmart synchrony, never made an attempt to notify me in writing or by phone that my account was having issues withdrawing from my bank. They closed my account without No prior attempt to resolve this matter. I did attempt to make a payment of {$180.00} earlier in the month Which did not post so then I attempted again on the XXXX which did post but my account had already been closed and my online access had been locked out, I could only make a payment over the phone. After passing me around to multiple departments from all over the world, i finally spoke to someone who told me my account was closed and that there was nothing else to discuss. To top this off i get a letter in the mail on XXXX XXXX from Synchrony stating that my account had been closed, after my account was already closed, no prior attempt EVER. This was the first and ONLY letter i received. Then a week later i get a letter from a debt collection agency stating that my account had been placed in collection. Not only did they not EVER give me the opportunity to resolve this matter in ample time, they sent my account, after accepting my payment of {$180.00} to a third party debt collector. Not only has this tarnished my credit, they crippled my ability to keep my good credit rating as a consumer. I want my account reopened the debt collection removed. I will pay the remaining balance off, and will never use your card again, but this has to be corrected. You ruined my credit, i am unable to Progress my family in today 's society to better ourselves because your policy of neglect to your customers. I feel i was WRONGFULLY, treated as a consumer, and want this resolved.
Consumer complaint received 2017-02-18
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: CITIBANK, N.A. (CT)

I returned several items to my local Home Depot on XX/XX/2016. The receipt I was given showed XXXX separate credits, apparently because I 'd used different cards for the purchases. However, although XXXX of the credits did appear on my Citibank Visa ( for {$160.00} ), the other XXXX credits ( for {$25.00} & {$39.00} ) were apparently credited to XXXX different prepaid Visa cards. The problem is that because the XXXX prepaid Visa cards had already expired at the time the credits were issued, there is no way at all for me to access the funds on the card. I did call both gift card issuers and they confirmed that there is no way for me to use those funds. I do n't really understand how Home Depot could have credited these XXXX amounts, {$39.00} and {$25.00} to EXPIRED prepaid cards. It seems like the expiration dates ought to have come up on their computers at the time they attempted to process the credit. I should have been offered the option of a store credit, which I could actually have used. As it stands I 'm out a total of {$64.00} with absolutely no way to recover those funds. The identifying info on the Home Depot receipt is as follows : At the top of the receipt : XXXX XX/XX/2016 XXXX PM Cashier XXXX : *ORIG Rec : XXXX XX/XX/2016 XXXX XXXX At the bottom of the receipt : XXXX VISA $ XXXX XXXX VISA XXXX XXXX VISA XXXX Thank you. 
XXXX
Consumer complaint received 2016-02-02
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (GA)

My husband and I applied for a mortgage modification after my husband became very sick and was subsequently fired. After applying for the modification, CitiMortgage continued to send the same documents multiple times that contradicted the other and asked for the same documents multiple times. Eventually, we became concerned that our lender did not know what was going on with our modification and we began to contact our Homeowner Support Specialist as to why we continued to receive these letters and no one could answer our questions. We were passed from supervisor to supervisor with no answers until we finally received a new Homeowner Support Specialist who could still not answer our questions as to why we continued to receive the same letters over and over again, but ensured us that everything was received and we could disregard the letters that we received and to continue to make our monthly trial payments until the modification was finalized. 
On XXXX XXXX, 2015 we received an email from CitiMortgage that said, " We have received the signed documents you sent and your mortgage loan modification with CitiMortgage is now finalized. Thank you, and congratulations! We sincerely hope this mortgage payment assistance is beneficial. '' Now, almost three ( 3 ) months later, CitiMortgage informed us that our modification was denied and we now have to pay more than what our mortgage was before we began the modification process. We contacted CitiMortgage and told them we received in writing that our modification was " finalized '' and did n't know there were any issued and was told that " just because we received something that says 'finalized ' does n't mean that it is really finalized. '' When asked if CitiMortgage could locate the email sent to me advising that our modification was finalized, we were told their documents were down and it could not be pulled up at that time. 
We are at a loss of what to do given that we are continuously passed around from department to department and from supervisor to supervisor with no answers except for we did n't return all necessary documents to complete the modification. However, when we ask what documents were missing, CitiMortgage can not identify which documents were missing. 
Any advice would be much appreciated.