davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

I have asked  Ditech  several times this week  XXXX  more recently on Friday,  XXXX   XXXX ,   XXXX   ), to e-mail me the statements from  XXXX ,  XXXX ,   XXXX  , along with a recent escrow analysis that was completed in  XXXX ,   XXXX  . I have received nothing via e-mail, though the customer service representatives have told me that they have sent the documents. What prompted the e-mail document request is that I am unable to login to the account via the Ditech online system, to be able to download the documents myself, since I do not receive paper documents via mail, anymore. I requested a reset " password '' link several times, and it does not work. I have been told by the customer service reps. that the login features have not be working since at least  XXXX   XXXX ,   XXXX  . Currently, since I am unable to access the login features of the website, I am unable to use the online payment features of the website, in addition to not being able to download documents. I am told that I am not the only  XXXX  experiencing this problem. And, the customer service reps. are unable to provide any information as to when the account login features will be available. I never had this kind of trouble when my loan was with  XXXX . The fact that the account login portion of the website has been inaccessible this long is inexcusable, especially since Ditech encourages its customers to use web-based services, instead of the  U.S.  mail. I am also annoyed by the fact that Ditech has made no efforts to put a notice on the website, to notify people that the website is having technical issues.
Consumer complaint received 2018-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (IN)

I have a Discover credit card that has a large credit line that has been active with them since XX/XX/XXXX. I pay all balances in full every month and have excellent credit. I travel often and spend large amounts frequently. On XX/XX/XXXX, I tried to check into my hotel in XXXX XXXX ( XXXX XXXX XXXX ) and pay {$800.00} for a 4 night stay and was told Discover declined my card in front of about 10 people standing in line. This is after I've already made an initial deposit for the room weeks earlier and after we've already made several other food purchases in the area. When I called Discover, I was hung up on, transferred about to 3 people who couldn't do anything except blame me for " not signing up for their fraud alerts '', which I have actually done in the past as well as signing up for the suspicious activity on my social security number with Discover. They also blamed me for not calling them to notify them " every time I travel ''! We travel ALL the time, and we've never had to call before. Now after 22 years and hundreds of thousands of dollars spent ( literally ), I have to call me credit card company to get permission to use the card every time I travel?? No one at Discover could explain why they didn't attempt to call me BEFORE embarrassing me with declining my card. They have my cell #, email, and texting contact numbers, but they couldn't notify me? I have to call them to spend {$800.00} because I'm out of town? We are out of town on a weekly basis and never had this problem. Discover card is making the practice of using my card after being a LOYAL customer of 22 years ridiculously impossible. They STILL couldn't sign me up for text alerts. They said " I had to do it myself online '' after spending over an hour on the phone. The " new security standards '' have caused me embarrassment and are not realistic for someone who routinely travels out of town. No one could explain or help in any way, and I had to " wait for a manager to call in 24 to 48 hours '', but they couldn't give me a name or contact number of the person who would call. Horrible experience and unrealistic burden for a customer that buys anything in a city they don't live in!
Consumer complaint received 2017-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

paid my loan in full on  XXXX / XXXX /  XXXX   and is still reporting as an open account affecting me getting approved for a mortgage.   XXXX   XXXX   XXXX   said there is nothing they can do I have filed a dispute with Equifax and they said  XXXX  is not responding. although the account has been paid it is still reflecting on my credit file as open.
Consumer complaint received 2017-06-12
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (TX)

First of all, we hav e US B ank for our mortgages since  XXXX . No problems in the beginning, until my husband was diagnosed with  XXXX   XXXX  in  XXXX , he had  XXXX   XXXX  treatments then had  XXXX , with the hospital bills and the insurance deductibles we have been trying to work wit h US Bank since then to the present to get a loan modification and they send us the financial papers to fill ou t and we done that many times and we 'll fax it back and they will say that they did n't receive them. I know that they did cause I got a confirmation message that they did. I am so tired of their lies. We have had many Assistance mortgage managers, I ca n't begin to tell you how many. At that bank they do n't know what the right or the left hand is doing.
Consumer complaint received 2017-06-12
Product: Credit card or prepaid 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: CITIBANK, N.A. (OR)

This is in regards to my Citi Thank You Preferred card.
** I have a {$25000.00} limit on my card ** I was involved   in a romance scam ** I have paid all charges not involved with the scam ** A check was deposited to my account on  XX/XX/XXXX   in the amount of {$13000.00}  XXXX  The scammers asked me to make  XXXX  product purchases beginning o n  XX/XX/XXXX  and a balance transfer on  XX/XX/XXXX  ** I called Citi bank between  XX/XX/XXXX  and  XX/XX/XXXX  and asked if there was any way the money could be be taken back by the people that deposited it. I was told " No '' ** I then made the purchases and transfer believing the check and subsequent checks were good ** More checks wer e deposited   XX/XX/XXXX - {$22000.00}  XX/XX/XXXX  - {$13000.00} XX/XX/XXXX   - {$21000.00} ** I have a printout from  Citi  showing Last statement balance  XX/XX/XXXX  for {$11000.00} with no amount due on payment due date on  XX/XX/XXXX - Leading me to once again believe all the checks deposited were good ** More checks were deposited  XX/XX/XXXX  - {$11000.00}  XX/XX/XXXX  - {$22000.00}  XX/XX/XXXX  - {$45000.00}  XX/XX/XXXX  - {$12000.00}  XX/XX/XXXX  - {$90000.00} XX/XX/XXXX  {$14000.00}  XX/XX/XXXX  -  XXXX     XX/XX/XXXX  - {$96000.00} ** During the time all the checks were being deposited the scammers were having me make   XXXX    product purchases and money transfers and Citi approved a ll of them again making me believe all the checks were good.    **   My balance reached {$140000.0 0}  XXXX  On XX/XX/XXXX    I called Citi at  XXXX  and spoke to  XXXX  and was transferred to  XXXX   (  a w oman ). I reported the scam and cancelled the card effective  XX/XX/XXXX .   XXXX   stated the report would be sent to the investigating team and I should  expect a call from them within  XXXX  days.   ** I received a letter from  Citi  dated   XX/XX/XXXX   stating they researched all of the balance transfers and determined I was responsible for all of them.   ** I received a letter fro m Citi  dated   XX/XX/XXXX   stating they were investigating.   ** I received a second letter dat ed XX/XX/XXXX  stating all charges were valid.    ** I made a report to the police department who turned it over to the Oregon Department of Justice on   XX/XX/XXXX     **  I received a letter from Citi offering me options to pay. I called and informed them I was working with an attorney and gave them his name and number. I do n't know who I  spoke with.   * * I received another letter from Citi  dated XX/XX/XXXX   req uesting payment and offering payment options.   **  I called Citi on  XX/XX/XXXX  and spoke to   XXXX  . I stated  I was working with an attorney and gave her his name and number.   ** I contacted my financial adviser and he suggested I file a co mplaint with you. You may conta ct him regarding this at  XXXX  XXXX  XXXX  or  XXXX .
Consumer complaint received 2017-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In mid XXXX XXXX, I filed a written dispute with XXXX, Equifax, and XXXX to delete unverified information from my credit report. I requested that they provide an original document with my signature on it from the debt collectors verifying the debt belonged to me. I 've since received notice that my investigation was closed with all account verified, but did n't get any proof from the debt collectors or credit bureaus with the original signed document. My primary concern it that these bureaus have incorrect information on my file, and this is prohibiting me from being able to acquire credit for life necessities.
Consumer complaint received 2017-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Once again the criminally negligent XXXX at one of the awful credit reporting bureaus have damaged my credit with false information! I 'm sick and tired of these high school drop outs attempting to destroy my credit! As CFPB must know by now I have filed complaint after complaint against these incompetent XXXX for continuously posting false collections, accounts and a variety of other misinformation on my credit report. Just about one hundred percent of the time after I submit my complaint they remove the lies they put on my report. Now Equifax has a new trick, they dropped my score by XXXX points for no reason at all! All my information was the same from just a week earlier. This financial libel they 're committing against me is a crime and has got to stop! I have worked hard to rebuild my credit and it 's not right for these XXXX to play with my credit wellness.
Consumer complaint received 2018-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo is refusing to refund monies owed to me and it is unacceptable. 

I closed my credit card with Wells Fargo back in XX/XX/XXXX or XX/XX/XXXX. There was a credit balance of {$25.00} that Wells Fargo says they mailed to me. However, I never received it. I contacted them on XX/XX/XXXX advising them of this and asking how I could go about getting the monies owed. Their response to my inquiry was that they had sent it. I again advised them that I had not received it. Their next message on XX/XX/XXXX stated : " Our records show that the check was mailed to you on XX/XX/XXXX. Before I can place a stop payment on the requested check, I am required to have an affidavit form and cover letter completed and returned to us.You will shortly be receiving in the mail the documents required to submit a stop payment on check number XXXX in the amount of {$25.00}. I never received these documents, so I again contacted Wells Fargo.On XX/XX/XXXX I wrote the following : " It has been 2 1/2 weeks and I still have not received the documents. How am I to get these documents? Can these be picked up and signed for at a branch? This really shouldn't be that hard. I should not have to keep logging into an account that I closed some time ago. '' Now, Wells Fargo response is that I need to go through the Non-Fraud Claims.
Consumer complaint received 2017-06-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Continental Services Group, Inc. d/b/a ConServe (NE)

on  XXXX / XXXX /   2017  I called ConServe about getting my delinquent school loans in a repayment plan. I asked questions about garnishments and taking my taxes because the loans were quite behind. I spoke to a  XXXX  and told her I had n't filed my taxes yet this year and I did n't want to have to worry about a garnishment. She said not to worry, I had no garnishment on file yet, and that my taxes would be fine until I got into a repayment plan with them. Then for the next 9 months my tax returns could be taken. I agreed to that and entered a payment arrangement with them on  XXXX / XXXX / 2017 . I filed my taxes prior to  XXXX / XXXX / 2017  and received a letter from the dept of treasury letting me know my taxes were taken and applied towards my school loans. I was misled by  XXXX  of ConServe as she told me this would n't be an issue. I called ConServe to get this resolved and spoke to a manager who said he could n't do a thing, they were already taken and I would have to call the dept of education. This is a violation of the FDCPA, as I feel I was intentionally misled in order to set up a payment plan.
Consumer complaint received 2017-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (GA)

On several occasions I have  notified Chase of unauthorized inquiries on my credit reports, but they continue to obtain my credit reports without my permission. I have not requested a card from them, but every couple of months I am notified of a  UNAUTHORIZED hard inquiry from my credit monitor. I do not have a card with this company and I want th em to stop requesting my credit reports without my permission. This ongoing action keeps lowering my credit score.
Consumer complaint received 2017-06-11
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: EQUIFAX, INC. (MD)

XXXX   XXXX     2017  I noticed an account the was previously removed was added back on without notification. This is not a valid debt and I should 've received notification that this debt was added back to my credit report.
Consumer complaint received 2017-06-11
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bliksum, LLC (CA)

I had taken out a loan with them and had paid back what I borrowed plus some. I ended up defaulting due to family trouble and my income was not enough to cover all bills. They started calling me relentlessly. I had told them to stop. They have n't. This has gone on since  XXXX  of this y ear (   2017 ). They call multiple times a day ( up to 12 times ) from various phone numbers. They mask their number to local area codes and phone numbers that belong to regular people, as well as using phone   numbers and area codes that belong to areas and people all throughout the country.  <P/> Lately they 've taken to harassing my hus band ( a  prior reference ) and somehow they got the number for a good friend of mine and have been calling her too. My husband has also asked them to stop calling him. On average I rec eive 7 pho ne calls a day.  <P/> Most recently a "  XXXX   XXXX  '' has been calling multiple times a day from different phone numbers. He uses legal terms saying there is a " case '' against me and he wants to work with me to help " get it dismissed. '' His number is  XXXX , ext.  XXXX  I have attached a log of the many phone numbers I have received harassment calls from.
Consumer complaint received 2023-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (TX)

Citi bank was offering a bonus offer of 60,000 XXXX XXXX miles if you open an account, deposit {$1000.00} and spend {$1000.00} with 90 days of account opening. 

I opened the account on XXXX XXXX and deposited {$1000.00} dollars on XXXX XXXX to fulfill the deposit requirement. 

According to a Citi employee i contacted I fulfilled the spend {$1000.00} and therefore fulfilled the required actions within the 90 days on XXXX XXXX. 

In the terms and conditions it states that I should receive the miles 30 DAYS AFTER THE REQUIREMENTS ARE MET Which would be XXXX XXXX. As of XX/XX/2023 I have not received the miles I am owed. 

It also states that XXXX deposits are allowed for the {$1000.00} deposit amount. 

I have contacted Citi Multiple times and the dates keep getting pushed back as to when I should receive the Miles. I also submitted a dispute about the missing miles and responded with an automated message. 

Documents I have attached are : Proof of deposits that equal {$1000.00} via XXXX Terms and Conditions stating that I will be getting the payment of XXXX miles 30 days after fulfilling the requirements. 

Terms and Conditions stating XXXX deposits are allowed Proof from the Citi Employee stating I fulfilled the requirements on XX/XX/2023 and that I should have received the miles by XX/XX/2023 The terms and conditions do not say I will be credit 30 days after the promo period ends it states 30 days after opening account and Fulfilling the required actions. Which I did
Consumer complaint received 2017-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

Numerous accounts and inquires on my credit reports that were not done or authorized by myself. The account 's show addresses and information that is not my own nor ever authorized by myself. I currently reside at   XXXX   XXXX   XXXX   XXXX  , CT  XXXX  yet these accounts are literally all over the country. I have attached a police report advising several accounts and inquires that need to be removed. I have also attached a court order showing the  XXXX   XXXX  ACCOUNTS ARE NOT MINE NOR AUTHORIZED BY MYSELF AND DO NOT FALL UNDER LEGAL CREDIT REPORTING. I DO NOT WANT TO HEAR THE COMPANY VERIFIED  MY INFOR A S I NEVER LIVED OR RESIDED AT THE ADDRESSES ASSOCIATED WITH THESE ACCOUNTS. They were a result of ID Theft so obviously the  SSN is matching. I would also like a free updated credit report sent to my address once the se accounts are removed as required under FCRA. I will list the information I see that needs to be removed. I have followed the law to a T and these accounts need to be removed within 30 days without question.   Accounts Reported Balance   XXXX   XXXX   XXXX   {$4600.00}   XXXX   XXXX   XXXX   {$3600.00}   XXXX   XXXX   XXXX   XXXX   {$5400.00} I do not nor am I asking for a generic response that inquiries are a matter of Record of Access to my credit report. The following inquires did not have the  Legal Permissible Purpose to access my credit report and under FCRA can be disputed thro ugh the credit bureau. It is then the companys responsibility to prove permissible purpose i. e. Inquiry fo r credit and or employment purposes. None of the following had this permission and or permissible purpose and therefore need to be removed immediately.  <P/> Inquires Number T hereof   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   XXXX
Consumer complaint received 2017-06-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (NC)

My VA loan was recently transferred  to M & T Bank of  XXXX , MD ( I bel  i eve ). There are many different addresses on their initial contact. I enrolled in online banking to make my payments online as this is the predominate payment method today. I was forced to give up my right to receive legal notifications from the bank in writing to be able to make online payments. If I did not agree to electronic notifications they were going to dis-enroll me from online banking. I have no choice about where my mortgage is sold to. I did not choose to do business with this entity. I should not be forced to give up my legal rights in order to make electronic payments. Especially on a VA guaranteed loan. The Federal Government only recognizes mail delivery by  the US Postal servic e as proper service.
Consumer complaint received 2017-10-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I called Chase Bank ( passing all personal Identifications ) and requested to close my checking account immediately. I also requested to refund a monthly service fee that was charged on my account on XX/XX/XXXX. I wanted the fee to be refunded on the basis that I was closing my account within the next boiling cycle after the fee was posted. Chase did not close my checking account as I demanded. Instead the kept the account open and on the next day, XX/XX/XXXX, they charged another monthly service fee on the account that I closed.
Consumer complaint received 2018-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

My complaint, is against Chase Bank. On XX/XX/2018 @ XXXX, I deposited {$70.00} into my checking account. However, my monies ( {$70.00} ) for my check # XXXX  in the amount of {$69.00} was " unlawfully '' transferred to another account ( documented as : # XXXX-XXXX XXXX XXXX ) that belongs to another individual ( XXXX ). I was unlawfully assessed, a NSF {$35.00} ( which have caused my account to in the negative ). I have requested, that Chase Bank return my monies to my account and CEASE AND DESIST their illegal withdrawals and transfers of my monies from my account ( to another individual 's account ). My name, is the " only '' name on my checks ( from the day that I opened my account ). As a " qualified individual with XXXX '', I have requested that Chase Bank Representative 's, Managers, Supervisor 's in the collections department and banking return my funds to my account, expeditiously ; however, they have REFUSED! As of today, they are continuing to practice discrimination ( based on continued harassment and retaliation ) @ XXXX.
Consumer complaint received 2017-06-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (LA)

Citi Bank received my formal dispute on  XXXX / XXXX / 17 . I requested validation of this account, as they have a Best Buy credit card reporting as " written off/past due '' under my social security number. CitiBank only responded with a letter stating the account is delinquent {$470.00}, with no other information. Citi Bank also failed to mark my credit report as disputed within thei r 30 allowable days. I then mailed them another letter asking for validation and how they verified the account. I hav e still not gotten a reply from them nor have I received any additional correspondence associated with this account they claim to be mine.