davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: PENNYMAC LOAN SERVICES, LLC. (UT)

I purchase a home in 2022 and the appraisal came in at {$770000.00} when we bought. I currently owe about {$620000.00} on the home. I called into XXXX to get my PMI removed on my home. On their home value estimator online our property values at {$820000.00}. So I decided to inquire and I paid them {$150.00} for an appraisal fee, they sent someone out to look at the home and he sent them back documents that said our house is worth {$680000.00}. I submitted a dispute and have gone back and forth multiple times with them and they said I needed to submit XXXX comparable homes. So I did that and they came back and denied by dispute because they said the homes are out of market range and that the GLA on my home is less than the other homes because of unfinished basement I have. I decided to reach out to see how much finishing our basement would raise our value since we are in a new development. When I spoke to a member of their XXXX team he said that I could borrow {$80000.00} and my home is worth {$820000.00}. He even said that I should get my PMI removed since I have so much equity. I questioned him because I just went through the process and they told me my home wasnt worth that. He said it had a confidence rating of XXXX and they look for anything XXXX and under so he was almost certain my home value was closer to {$820000.00}. I asked for his help and he directed me to multiple phone calls to which it ended that they said their PMI department doesnt take phone calls and XXXX XXXX Texas XXXX review it in the online messaging center when he has time. I told them I need to speak to a XXXX or someone and they kept telling me no one in their PMI department takes calls. I submitted requests on their online portal to ask why they didnt consider the XXXX comparable homes I submitted and they said they were out of market area or GLA was different. I asked quite a few questions to see what is considered in market area and appropriate square footage, etc. and they told me only a licensed person could answer that and they couldnt help. So I tried to call and speak to XXXX of their licensed agents and they continue to say no one can answer. I have submitted a total of XXXX comparable homes and they have yet to remove my PMI or talk over the phone. 

When I want to borrow money from them the value of my home is {$820000.00}, but when I want to remove my PMI my value of my home is {$680000.00}. Very double standard and frustrating considering no one will even talk on the phone with me to answer my questions.
Consumer complaint received 2024-05-06
Product: Credit 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: DISCOVER BANK (IL)

Dispute for charges in the amounts of {$880.00} XXXX on XX/XX/XXXX for 3 airplane tickets. I had bought tickets for XXXX XXXX from XXXX XXXX XX/XX/XXXX to XXXX XXXX but on the day of the flight in XX/XX/XXXX I called XXXX XXXX to get my tickets and they said they were never printed. The only way for me to go on my trip was to purchase the tickets again via XXXX  which I did for an additional XXXX XXXX. When I contacted XXXX asking for a refund, as I never received tickets, they hung up on me twice. Since I couldn't get through to the vendor, I asked my credit card company, Discover, but their policy states they can't do anything about it if the dates of purchase and amounts are different. Which makes no sense whatsoever to me. I bought tickets with XXXX, they never gave me the product that I had paid for and when asking for a refund they hang up and ignore me.
Consumer complaint received 2020-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (TN)

My name is XXXX XXXX and I was approved for {$9000.00} credit limit in XX/XX/2019 by Citibank. I have made all payments. In XXXX there was a collection erroneously placed on my XXXX  report by XXXX XXXX and XXXX XXXX. Citibank reduced my credit limit to {$8400.00} as a result. I have been working towards getting this false collection off my credit. 

On XXXX XXXX I made a {$4100.00} payment to Citibank. They accepted my payment and then reduced my credit limit to {$4200.00}. As a result it now reflects that I am {$14.00} over my credit limit and at 101 % utilization!!! They cited derogatory payments on my XXXX  report. This is false. I provided all the documentation as proof that their explanation for reducing my credit limit was false. I provided an XXXX   report dated XXXX XXXX plus proof of credit cards that I have paid off and now have a {$0.00} balance on all but one credit card from my credit report. I also provided an email from the Director of Operations that proves the XXXX XXXX XXXX collection was reported in error and that it would be removed from my credit report. It has been removed from my XXXX  report and the documentation I provided indicates it. 

I was told by XXXX XXXX that the documentation I provided would be what she needed for my credit limit to be reinstated. They did not reinstate my credit and sent me a response that their decision was based on derogatory payments. Again this false and I provided all documentation requested by Citibank to prove so.
Consumer complaint received 2024-04-29
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

I applied for a pre-approval in XX/XX/year>. As a part of this process, I provided many documents that were requested and filled out a pre-approval application. Within the documents were my name, income, and social security number. On at two subsequent occasions, I provided via email the property address, the estimated value of the property, and the mortgage loan amount sought. In these emails, I attached our contract ( offer that hadn't yet been accepted/ratified ) and I requested a loan estimate be provided. For the first request on XX/XX/year>, the loan officer provided a " cost estimate '' in his words, and it was titled a " loan summary worksheet. '' When I responded that what I was requesting was an official loan estimate, he called and told me that I could not have one and explained that I would have to do multiple additional tasks in order to get one. I explained that under the Truth in Lending Act, I have made an application and would like a loan estimate. He never provided one. We subsequently rescinded the offer on the property. On XX/XX/year>, I emailed the loan officer again with the property address, value, and requested loan amount. He responded that he could not provide anything because our preapproval expired on XX/XX/year>. I subsequently spoke with his supervisor and explained that they couldn't require me to provide any validating documentation, and since they had my name, income, social security number, property address, estimated value, and requested loan amount, they were required to provide a loan estimate. The supervisor informed me that the only way they could provide the loan estimate was for me to spend an hour on the phone with a loan officer providing all the information for him/her to click through the online application for me, or I could go back into the system and complete another application ( which would also take an hour ). When I refused to do that since they had all of my information and I can not be required to provide anything additional in order to receive a loan estimate, she informed me that they would not be providing a loan estimate. 

At this point, I provided all of the information on XXXX XX/XX/year> and three business days have passed without being provided a loan estimate. Further, I have been informed that they refuse to provide a loan estimate unless I provide additional documentation and as such, I believe they are in violation of 12 CFR 1026.
Consumer complaint received 2022-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (NC)

This is regarding my loan account ending in XXXX with Cardinal Financial. They closed my account without my permission. They are now requesting a deposit to reestablish it, I refuse to pay a deposit. Also they are transferring it to XXXX now without solving the issue.
Consumer complaint received 2020-07-02
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiries : 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 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank (TN)

I recently reviewed my credit report and discovered a late payment entry that I believe is inaccurate. The entry pertains to a payments late, and I believe it violates the Fair Credit Reporting Act ( FCRA ) provisions outlined in Sections 15 USC 1666b, 15 USC 1681a ( 2 ) ( i ), and 15 USC 6802. As per Section 15 USC 1637b, I should have received information regarding my credit obligations at least 21 days before the payment due date. I am formally requesting proof that such information was provided to me within the specified timeframe.

Furthermore, I am invoking Section 15 USC 1681s-3, which outlines the obligations of furnishers regarding the reporting of information to consumer reporting agencies. I request a thorough investigation into this matter to ensure compliance with FCRA regulations. If its determined that the late payment entry is inaccurate or in violation of FCRA provisions, I request its prompt removal from my credit report.
Consumer complaint received 2022-12-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (MD)

XXXX. The mortgage was taken out in my name in the autumn of XXXX ; my wife could not be a co-mortgagor because she was not resident in the XXXX at the time of purchase. 
XXXX. Mortgage was paid on time until the XXXX pandemic when my wife and I were compelled to go into forbearance, which was offered by the original mortgage company, XXXX XXXX XXXX. 
XXXX. XXXX later assigned the mortgage to Midland Mortgage. 
XXXX. Forbearance continued XXXX. About XX/XX/XXXX, Midland offered me a loan modification, which we accepted. 
XXXX. I signed and notarized the documents the same day I received them, and returned them to Midland via courier. 
XXXX. Unbeknownst to me, Midland gave only 1 day turnaround time -- meaning I received it today, notarized it today, and had to ensure that it arrived at their offices the following day. 
XXXX. I have no idea whether this is best practice or even what regulations determine the setting of such tight timelines XXXX. The notarized application was rejected because it came a day late. 
XXXX. I chatted with a Midland representative afterward by phone to restart the process. I mentioned the unconscionable turnaround time and asked for notice by email of updated documents being sent to me. 
XXXX. Midland emailed me updated loan modification paperwork online, which I printed out, notarized and sent by XXXX the same day at a XXXX XXXX XXXX. Midland rejected this one also because of page numbering 13. Midland then sent me another loan modification application, which I again notarized and sent for next-day delivery XXXX. " Next day '' according to the date provided by Midland was a Sunday. This indicated to me that return-by dates were set arbitrarily.

15. I nonetheless paid the cost required for the documents to be delivered the next day, although the package would not be delivered until the following Monday. 
XXXX. During this period ( forbearance and the modification runarounds ) I was XXXX  ( XXXX XXXX ; XX/XX/XXXX to present ) due to being laid off twice XXXX. We were meeting the mortgage on my savings and my wife 's income ; but in XX/XX/XXXX, my savings were exhausted. 
XXXX. The accumulated forbearance plus interest has now grown to over {$70000.00} XXXX. We received a letter from a law firm Midland retained informing us of their intention to foreclose.

20. I have submitted another modification request and will follow up with an extension of time request.
Consumer complaint received 2024-04-29
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (AR)

I took out a line of credit loan from Netcredit in XXXX XXXX XXXX. I am a XXXX veteran that gets paid XXXX  monthly and on their contract it clearly states that if you're paid XXXX a month then you're billed once monthly. From the beginning of my repayment Netcredit was billing me twice a month. I called in when the very first billing from Netcredit showing me being billed twice a month and reminded them that I was paid once monthly and should only be bille once a month. They asked if I to move the second payment of that months payment to later and of course i said yes. But I was stilled being billed twice a month and had to ask for payments to be changed again so that I would only be billed once in each month. So now still in XX/XX/2024 they are still trying to bill me bi weekly for this month and threatening to report me late if I don't pay twice this month. 

Netcredit is responsible for this problem and they're trying to lay it on me. I have a copy of their contract that states the billing and also copy of my pay that's on their they site but they refuse to remove their errored second payment scheduled for me.
Consumer complaint received 2024-04-29
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA (SC)

XXXX - I attempted to withdraw funds from my account to use for closing costs on my home. The amount that I needed to withdraw was greater than the amount that the bank allowed via online transfer or their mobile app, so I called the customer service center to conduct the transfer. 
XXXX - Transfer is reversed by the bank without explanation XXXX - Called the customer service center to request explanation of why funds were reversed. CSR indicated it was flagged because they " could not verify my identity ''. Requested funds be transferred again. 
XXXX - Called the customer service center to request an update on transfer of funds. Was told the transfer was " still in process ''. 
XXXX - Called the customer service center and was told the transfer was not initiated but the CSR could not explain why. CSR initiated a wire transfer instead of ACH and the funds transferred successfully the same day. 
XXXX - Called the customer service center to request closure of the account. CSR assisted with this process and stated I would receive an email confirmation within one business day. 
XXXX - Received a call from the bank 's fraud department. Employee stated the account could not be closed because a specific amount of funds were determined to be " unsafe ''. CSR could not explain what unsafe meant in this context. Employee stated I would need to transfer the amount of " unsafe '' funds back to their original bank, and then close the account.
Consumer complaint received 2017-02-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

A severe violation of the FDCRA law has occurred, particularly FCRA 611 Procedure in case of disputed accuracy ( 15U.s.C. 1681i ) Requirements relating to reinsertion of previously deleted material. Because I have been a victim of fraud, I have credit monitoring services for Transunion, XXXX and XXXX to keep me abreast of any changes to my reports. On XX/XX/2017 I received notices that Transunion had deleted an collection account from my report, XXXX XXXX XXXX, I went to verify and sure enough it was deleted. However, when I went back to check it was reinserted on XX/XX/2017. The law states that a consumer reporting agency shall provide to a consumer in writing no later than 5 days after the reinsertion date. To date, I have received no such notice. This is a complete violation as I have not been notified and when I called the Special Handling Department and spoke with a US Agent, they said that it was nothing they could do unless I disputed it. However according to the law they FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY THAT IS NOT TRUE. 
I am desperately seeking your help to get the XXXX XXXX XXXX account removed from my Transunion credit report because they violated the law and re-inserted it.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Uplift, Inc (FL)

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
XXXX XXXX has violated my rights.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.
Consumer complaint received 2024-05-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company (IL)

my escrow account XXXX XXXX 2024 was negative XXXX dollars the mortgage comapny increased my paymnet by XXXX dollars which towards the escrow account and i paid additional XXXX dollars on my XXXX payment towards escrow which reduced it to XXXX dollars which is on my mortgage statement, i called the company because they were still charging me an XXXX on my payment i was informed that i still owe XXXX on my escrow account but my statement from the company clearly states i only owe XXXX on my escrow, the matter wasnt resolved when i talk to the company representative despite my statement saying i only owe XXXX
Consumer complaint received 2020-07-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (LA)

I got a derogatory mark on all my three credit report. I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft. This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605 ( b ) of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report The account was removed and now has being reinserted back onto my credit report reappearing. ENHANCED RECOVERY COMPAN
Consumer complaint received 2024-05-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TransferWise Ltd ()

I have been defrauded by this financial payment service - WISE. 
Here is a summary of what transpired : XXXX XX/XX/2024 : Account deactivated XXXX XX/XX/2024 : Appealed deactivation decision. 
XXXX XX/XX/2024 : They confirmed my account would stay closed. 

Before account deactivation, I had a total of XXXX USD. After XXXX  days of receiving my funds, I requested for account statement, only to be met met with a shocking figure of XXXX USD in which XXXX transactions XXXX and XXXX were reversed on the XXXX XXXX, XXXX. I was never informed of any dispute. 

Furthermore, I asked for the balance to be sent to the account provided. On the XXXX XXXX, XXXX, I got a reply that my balance has already been sent out. I requested for the transaction receipt which I got and saw that it was sent to an account which I didn't know at that moment. 

I appealed to them same day. And on the XXXX XXXX XXXX XXXX, I received a final response stating that the money was disputed by the person who sent it and it was reversed back. They sent a receipt which the funds were reversed on the XXXX XXXX XXXX 

All these disputes and reversals were without my notice. I was not informed. I was not given any opportunity to counter the dispute. They took the decision on their own. I was never sent any dispute form or comlaint.

I have worked so hard for this money only for it to be taken away without information or notice.
Consumer complaint received 2024-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (NY)

On Thursday XXXX I called Chime customer service due to an issue i had with a check that i sent. The company i sent the check too acknowledged the refusal of the check and i cancelled the check. They told me it was cancelled successfully and that i would be getting my money back in 1-3 business days however its been a week and i havent received it. I then try calling up customer service once again to see why they havent gave me my money yet and they said they need to transfer me which was ok at first but then the guy on the phone came back and hung up after saying he will place me on hold until someone is available to help. They seem to be making it impossible to get my {$350.00} dollars back and XXXX XXXX XXXX XXXX XXXX XXXX I cant afford to play these games and risk being without power, water, and heat.
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Roadrunner Account Services, LLC (IN)

on XX/XX/2022 I called roadrunner account services and i Spoke with XXXX XXXX Supervisor about a 30 day late payment for XXXX  and asked her to removed it because it was not reporting accurately the l was paid in full and was never 30 days late in XXXX which is reporting on my Credit report. Car sold to XXXX XXXX in XXXX see attachments so how was I late on this account in XXXX XXXX XXXX Supervisor