davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (MI)

Today I checked my XXXX credit report and I found a debt collection mark ( XX/XX/XXXX ) on my report, which greatly impact my credit score. The agency is Enhanced Recovery Corp located in XXXX XXXX XXXX, XXXX, XXXX XXXX. The original creditor is XXXX. But from XX/XX/XXXX to XX/XX/XXXX, my phone ( XXXX ) service company is always XXXX XXXX XXXX. I never owed any money to XXXX. I called ERC and tried to tell them that I am the victim of identity theft and please remove the collection. ERC told me that the address is in XXXX on their file. However, I have lived in XXXX XXXX, XXXX for more than two years since XX/XX/XXXX. Then ERC required me send them my copies of driver license, SSN and credit report. They are trying to collect money that I never owe to XXXX and their collection remark greatly lower my credit score.
Consumer complaint received 2018-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (OH)

US Bank has a history of conveniently posting transactions 7-10 DAYS after the transaction is made. The transaction will show in your available balance, and then disappear, leaving it extremely difficult to manage an account using their online banking system.

On XX/XX/XXXX, at approximately XXXX XXXX, my account was positive, though held a balance according to them of just under {$1.00}. On XX/XX/XXXX, a deposit was made to the account to fund the account per my spouses pay check. US Bank posted transactions made a WEEK AND A HALF prior in the overnight hours prior to the deposit, causing the account to overdraft and subsequently charged an overdraft fee. In my attempt to resolve the issue, the customer service representative became argumentative and tried to school me on the status of an account that I check MULTIPLE times a day. While I no longer wish to use this Bank, as they have a history of treating their customers like numbers, I want the overdraft fee that I was unfairly assessed refunded to my ch
ecking account.
Consumer complaint received 2016-11-24
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC (CA)

I was applying for a refinance loan from Loan Depot. I submitted all of the loan paperwork requested of me by XXXX/XXXX/16. I was told everything was fine and that we would be good to get the loan approved and funded. This was a zero closing cost loan. On XXXX/XXXX/16, I receive a call from loan depot asking me to retrieve additional loan paperwork documentation for additional income verification and income ratio documentation. This would normally not be an issue however I was told that if the loan did not process by XXXX/XXXX/16 that I would be subject to an {$1100.00} " rate lock extension '' fee. Given that XXXX/XXXX/16 was the day before XXXX weekend and I was going to be out of town the entire weekend, I would likely not have all of the paperwork in time and processed by XXXX/XXXX/16. I felt this was a bait and switch tactic used to extract a made up fee from me when the delay was completely the fault of Loan Depot. I also believe they wanted this to fail because interest rates had gone up so they felt they could excise this fee on me because I would not want to lose my rate. 

I believe this to be the case because the call for extra paperwork come in over a month after the initial documentation and was timed right before XXXX to make it nearly impossible to avoid this fee. Loan Depot was characterizing this as if it was my mistake when they had ample time to process the loan.
Consumer complaint received 2015-07-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (MO)

I have just submitted my story. If CFPB can help, my story should be considered as my complaint. Increase of 33.33 percent in period of loan ( 30 to 40 years ) and reduction of rate of interest by 21.54 percent ( from 5.1 to 4.0 percent ) for hardship loan modification is neither justice no fair practice with the customers/homeowners. This credit goes to CHASE, my mortgage financer. I have only XXXX house and it is my primary residence.
Consumer complaint received 2017-01-31
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (FL)

Hello sir/mam I am an XXXX student studying full-time at XXXX, XXXX. I applied for a credit card in XXXX and it was declined. I did not know the process and applied again after 2 days which was declined as well. I had no idea this would affect my credit score as I do not have SSN. I have been trying to get my credit report but I do not have SSN so can not fill the form online. I sent a written mail but the response was no SSN provided. 
I bought a car in XXXX and paid in cash. When I got insurance for the car, I was told I am getting a higher premium because of my credit score ( FCRA ) but I never made any late payments ever and never took credit to start with. 

My name is XXXX XXXX. 
I am from XXXX, XXXX. 
My date of birth - XXXX. 
My contact no- XXXX My current address- XXXX XXXX XXXX, XXXX, XXXX, XXXX. 
My previous address- XXXX XXXX XXXX, XXXX, XXXX , XXXX. 
Please help me out and clear any disputes my credit report might have. I would be very obliged.
Consumer complaint received 2016-10-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION (MD)

My mortgage had remained with BB & T Bank since early XXXX when they bought my mortgage from another institution.I pay {$1100.00} as my mortgage and an extra {$100.00} that goes to my principal.My payment period starts XXXX day to XXXX day of every month which BB & T draws from my Account with the bank ( bb & t ) automatically.Incidentally, my XXXX XXXX mortgage was deposited into my BB & T account ( {$1300.00} ) cash around XXXX on XXXX XXXX, which is within my payment period.Surprisingly, BB & t slammed {$47.00} late fee, {$36.00} for belated automatic withdrawal on XXXX/XXXX/XXXX and another {$36.00} on XXXX/XXXX/XXXX when they collected the money that had been in my bb & t account cash since XXXX.When I called the Bank, the {$47.00} late fee was waived, but I am asking for complete refund the remaining {$72.00} which is still hanging.Please help me resolve this kind of shabby treatment particularly given to me by BB & T , as this is not the first time.Thanks.
Consumer complaint received 2016-12-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION (MD)

For the second time since XXXX 2016, the principal that was to be applied to my home mortgage was not and instead held in suspense. I am striving to pay my mortgage off within a year of XXXX. The mortgage payment ticket was completed correctly both times by me ( XXXX and XXXX ). The first incident involving the error took 3 weeks to correct and apply the payment to the mortgage principal. I received a letter from BB & T Bank dated XXXX and noticed that the full amount of the principal was not deducted. The payment amount was {$3500.00}. {$3500.00} is in now in suspense. This is disrupting my goal of paying the home mortgage off because BB & T is not applying the extra principal to the home loan. I am under the impression that BB & T is purposely holding the extra principal in suspense so that I will ultimately be paying more interest or someone is stealing money. This kind of mistake is unacceptable 2xs within 6 months. After contacting XXXX branches in XXXX, MD and the customer call center the issue is still not resolved. I received a statement dated XXXX and the mistake is not adjusted.
Consumer complaint received 2015-07-05
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (CA)

Around XXXX 2015 I decided to refinance my property. 
My current mortgage company was not being responsive so I began working with QuickenLoans after seeing some of their advertisements. 
I spoke with one of their client agents ( XXXX XXXX ) who promised that they would be able to close within 45 days. The promise of the 45 days combined with their advertised success rate of 95 % is why I chose to go forward with them. 
I began the process XXXX/XXXX/2015, sent them all of the required information. I was n't getting any communication so I went to the website to check the status. 
Each time I went to the website I would get a call from an agent assuring me that " We are almost there ... '' and asking for more information which I would provide. This went on, back and forth, them asking for more information, me providing it and getting empty reassurances week after week. The 45 days promised came and went. 20 more business days later, they finally sent out the notary with the contract. She asked for my ID and the name on the contract did not match so we could not close. 
All that time and information exchanged and the QuickenLoans agents still could not get the simplest thing right. That was the last straw for me.
Consumer complaint received 2017-02-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MONEY SOURCE, INC., THE (VT)

The Money source my current mortgage holder is stating verbally via telephone ( XXXX ID # XXXX ) that they made XXXX tax payments One for {$1200.00} XX/XX/2016 which the town hall confirms and one for {$1300.00} XX/XX/2016 which the town hall states they have no record of. In spending approx. 3 hours on the phone with The Money Source being bounced around to locate the return check # for payout or proof of payout as the Town hall encouraged me to do, I had no resolve. I called the town hall on 3 way with XXXX on the line as she stated she was unable to reach them. The clerk XXXX at the town hall asked for a return check # to confirm/research payment. She was told they sent out payments in mass checks and she was unable to provide that info. I asked XXXX to transfer me to speak to a supervisor in which I was denied due to, they were unavailable because they were in a meeting. She then told me she could take my name and number and they could call me back within 24-48 business hours and that she would send out to the research dept. to find resolve. After approx. 3 hours on the phone, taking the day out of work to resolve the issue I am very upset that in speaking to 3 people at the Money Source no-one could provide me with proof of payment to the town hall in The amount of {$130000.00} telling me that it is available on my statement. That is not proof of payment!
Consumer complaint received 2016-02-23
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: USA DISCOUNTERS LTD (TX)

On XXXX XXXX, 2016, I sent a validation letter to a USA Discounters XXXX an account listed on my credit report. The collection agency responded that they were not considered a debt collector as defined by the Fair Debt Collections Practices Act ( FDCPA ). They did not provide proof of debt they are claiming I owe. In the state of Texas, debt collection means an action, conduct, or practice in collecting, or in soliciting for collection, consumer debts that are due or alleged to be due a creditor. In addition debt collector means a person who directly or indirectly engages in debt collection and includes a person who sells or offers to sell forms represented to be a collection system, device, or scheme intended to be used to collect consumer debts. Therefore, I feel that they should respond to my request of validation for a debt they are claiming I owe.
Consumer complaint received 2017-03-07
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (NY)

I opened an acct. I used only once. For about XXXX aromd there. I made monthly payment. I agree missing payment.. but I payed before XX/XX/2016. A lot enough to cover the total amount, in XX/XX/2016 XX/XX/2016. XXXX. Then I got a balance for XXXX in dic. XX/XX/2016. In XXXX I call to pay off. The XXXX. They said. The balance is XXXX. And that minimum payment was XXXX. I asked for a supervisor. I was agitated by what they said. The supervisor agreed to take XXXX to satisfy the total balance, now I got a bill for XXXX. Also the acct was clo by them. Long ago
Consumer complaint received 2017-02-22
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (FL)

Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
SYNCB/AMEG D XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX
Consumer complaint received 2017-03-07
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (NC)

Someone compromised my credit card a ran my XXXX XXXX card up to XXXX without releasing the funds to my credit cards and I got stuck with a bill of XXXX dollars in debt.i have a XXXX card and someone compromised it and left me stuck with a bill.
Consumer complaint received 2017-03-01
Product: Credit card — 
Issue: Rewards — 
Company: SYNCHRONY FINANCIAL (NY)

Walmart sent me email promotion on XX/XX/2016 promising {$50.00} e-gift card within 10 days if I applied and was approved for their XXXX through Synchrony Bank. I applied and was approved the same day, XX/XX/XXXX. I received the MasterCard ending in XXXX. I have not received the {$50.00} gift card. When I call Walmart, the only response is that they are working on it. It has been well over 2 months.
Consumer complaint received 2017-01-26
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (MD)

I bought a bed ( mattress & box spring & mattress pad protector included ) from XXXX JC Pennys last Wednesday the XXXX of XXXX 2017. I spent about {$500.00} for it but however I have yet to receive it. I keep getting the " runaround '' from JC 's. 
First they told me I would receive it on the XXXX? then again the next day the store told me i 'll get it. I am fed up with it all.
Consumer complaint received 2017-02-01
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL (NY)

I was charged a late fee of {$39.00} because the payment was received 1 day late. Synchrony bank send my bill 7 days before it was due and it was paid immediately by bill pay from my bank. When I called the customer service # I was told that is the fee and that they do n't even have to send a bill by law for my loan and I should know to just pay it. The rep was nasty, argumentative and dismissive. I have never had a experience like that with a bank in my life. When I asked to speak to a supervisor I was told none was available. This is the worse bank.
Consumer complaint received 2016-04-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (GA)

This number keeps calling me. When I look it up I get XXXX. This group has a lawsuit agaInst me in XXXX XXXX I live in. We have a hearing next month. But I keep getting their call. I get it once or more per week and I do not answer it. I 'm actually on ssi and they are n't supposed to be able to take my money. I do n't owe them the money I owe G.E Credit which was for amazon. I was turned over to them by amazon while I was actually making a payment to amazon. I should have never been turned over to these people because I missed XXXX payment.
Consumer complaint received 2016-06-01
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (NV)

Complaint against Barclaycard XXXX XXXX advantage plus. My credit card had been locked up and not been utilized for an extended period of time. Barclays charged me an annual fee. They sent so many spam emails over the year to my email address against my wishes that I put their address in spam. I had not been utilizing the card for over a year and when the annual bill to have their card came in it when into spam. As a result I did not finally realize that their annual fee until my experian report showed a credit score drop, upon discovery I paid the annual fee and all penalties w/o hesitation. I then asked for an adjustment to my account to fix the damage they had caused to my credit as a result of their actions and negligent spamming my account with offers. Additionally I never received any type of call or written statement notifying me of a late payment. They denied my request and this complaint is a result of their poor customer service to result and repair the situation that they are also negligent in causing..
Consumer complaint received 2016-07-14
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (MI)

I opened a XXXX XXXX XXXX in XXXX 2016. To date each payment has been on time. I had XXXX returned payments, which I made up, the payments cleared. They actually gave me an increase within the last two weeks. I checked my card for payment info and realized that there was no available credit. I contacted Synchrony Bank and spoke to XXXX, and was explained that my card was closed due to returned payments. I asked her for a supervisor and the rep hung up on me, I received no notice and this is not listed in my terms and conditions. This will now have a negative effect on my credit as it will report as closed. No one has contacted me regarding this issue from Walmart or Synchrony Bank.I have called back requesting a supervisor and nothing.
Consumer complaint received 2015-07-15
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL (OR)

There was a small charge on my Banana Republic Credit Card that I never received a bill or a statement for and was reported as a hit to my credit score. When I finally received notice that I was severely overdue and had been reported, I paid the charge in full and cancelled the card. I work hard to maintain my credit score and do not want it to be damaged because of a charge I was never properly informed of. The delinquent amount was for less that {$50.00}.
Consumer complaint received 2016-08-31
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (IA)

I signed up for a Walmart credit card the and PAID with my card and she swiped it to " activate '' it and in turn she had it pay for it also so if anything that woman that did the sign up is responsible for that payment or her Manger because she was not properly trained on it and I refuse to pay for something i NEVER!!!! Agreed too so take it up with XXXX iowa XXXX XXXX XXXX XXXX walmart not me
Consumer complaint received 2016-01-15
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (FL)

I am with the GAp credit card for more than 7 years. I always pay my bills on time. In the month of XXXX, I was XXXX till XXXX. I called and made a XXXX payement for XXXX, and then called back XXXX XXXX for a XXXX 2016 payement as I was XXXX. I have the confirmation number, I am in shock as I received a letter from synchrony bank, stating that I cancelled the account, when I had a balance which I have never done. I spoke to a supervisor named XXXX ( employee # XXXX ) only to be informed that he could do nothing, to retrieve the conversation reflecting that I closed the account. Do you think this is fair to a consumer that these corporations not only charge interest, but falsely accuse u of closing an account.
Consumer complaint received 2016-01-29
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (TX)

My name is XXXX XXXX. I own a home at XXXX XXXX XXXX XXXX XXXX XXXX Texas this house was bequeathed to me by my grandmother our family has owned it for XXXX generations. 5 years ago my Husband, who is serving a XXXX in the texas prison system, filled out an application using my name and my credit and my home and received a XXXX line of credit under the rules of a home equity loan from XXXX XXXX XXXX. He closed on this loan without advising me anywhere along the way. I never signed the application, the approval, the closing documents, I never received the cash nor did I attend the closing. They were all forged. I was not aware of this until the loan was transferred from XXXX XXXX XXXX to XXXX mortgage servicing llc. When he did not make payments on the loan., I attempted to explain this to XXXX . They took a application for a loan modification and said they would look into it. 60 days ago, after stalling for 2 years, they sold the loan to BSI Financial Services XXXX XXXX XXXX, XXXX XXXX XXXX Texas XXXX. BSI stated they would never give a loan modification. I filed the paperwork to apply for a modification anyway and they processed it. Without sending any notification I writing to me, they started a foreclosure against my home with a sale date of XXXX XXXX, 2016. When I asked my case manager why he did this, he stated that they turned me down for a modification. When I asked for an appeal process he ignored it. I was not allowed to go through the process of appeal per the 30 day rule. I sent a new package int XXXX XXXX and while it was in process he stated that they were going to foreclose regardless, but they would look at the paperwork. Today I received a letter that even though they were in violation of the dual tracking rules. I told the case manager, XXXX XXXX, about the violation and they said they did not have to follow it, I mentioned that I never got a judge 's order recorded to allow the home to be foreclosed on and he stated that BSI stripped the mortgage and and did not need any permission to foreclose. 
this violated the Texas rules of civil procedure, the Home equity lending rules and the CFPB law about dual tracking. he would not even discuss the forgery. this complaint conerns the original application and forgery the settlement process of this loan without me signing or being present, the modification process and the foreclosure process.