davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-24
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (TX)

CitiBank offered a credit card when we were booking our vacation. The offer was that we would receive free bags on our XXXX XXXX ( XXXX ) flights. XXXX did not honor this claim, and we had to pay {$200.00} extra for our bags on XXXX trip. There were XXXX mysterious charges from XXXX which CitiBank nor XXXX could explain, but we expected to pay them or suffer interest and late fee charges. We made XXXX phone calls to CitiBank and XXXX calls to XXXX. We filed a dispute with CitiBank. On each subsequent call the dispute was never documented, no confirmation numbers were provided. Late fees and interest charges continued to be charged to us by CitiBank. Finally I spent XXXX minutes on the phone ; and my wife spent another long conversation to attempt to solve the constant double talk and misinformation. No supervisor would would come to the phone. We believe this is an unfair, deceptive and abusive practice which CitiBank perpetrates on consumers.
Consumer complaint received 2016-06-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NY)

In XX/XX/XXXX, the monthly mortgage payments increased tremendously, making it impossible for me to stay current with the loan. The bank started a legal action to foreclosed on my home that same year, XX/XX/XXXX, but the case was discontinue. However, in XX/XX/XXXX, the bank started a new foreclosure action against me. I have been trying to resolve this issue because I have the best intentions to stay in my home and pay my mortgage. However, the bank is not allowing me to modify my loan. I tried to applied for a loan modification but I was denied on XXXX XXXX, XXXX and I was denied as well on XXXX XXXX, XXXX. I am a good candidate for a loan modification but it seems that the bank 's interest is not help homeowners whose best intentions are to pay their debt. The bank 's interest seems to be foreclosing on homes. There has to be something wrong with that. It does not make sense.
Consumer complaint received 2015-08-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

Green Tree ServicingI several times had to go online and schedule a payment only to call back and ask to cancel that transaction They refused to cancel saying they could not cancel and would send it through and cause me to be overdrawn in my acct and pay overdraft fees for a few months. They also were very rude stating that Greentree has helped me, I was upset, and she told me " dont play this XXXX on me '' ... I have never encountered anyone so rude
Consumer complaint received 2017-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc. (VA)

I 'm in the process of repairing my credit and disputed information against XXXX XXXX ( Virginia ) around XX/XX/XXXX they sent to a collection agency. The information was overturned in my favor. I checked my information this morning via XXXXXX/XX/XXXX and noticed XXXX XXXX has sent the collection through via another Collection Agency ( I C Systems XXXX XXXX, MN )
Consumer complaint received 2017-10-12
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (FL)

AFTER RAISING MY MONTHLY PAYMENT FROM {$580.00} TO {$820.00} I CALL THE COMPANY AND EXPLAIN THAT I COULD NOT AFFORD SUCH INCREASE, I LIVE ON SOCIAL SECURITY CHECK, THEY OFFERED ME TO APPLY FOR A MODIFICATION LOAN, FILED OUT ALL REQUESTED DOCUMENTS AND WAS DENY ANY HELP ... .THERE REASON WAS " YOU ARE CURRENT " WHAT A JOKE! THEY SUGGESTED TO APPEAL? ANOTHER JOKE ... ..I AM AT A LOST!!!!!!!!! 

RESPECTFULLY XXXX XXXX
Consumer complaint received 2015-08-25
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Prospect Mortgage, LLC (AL)

I used Prospect Mortgage in XXXX Alabama on a residential home purchase. I had a contract on a home contingent on sale of mine. I had to close on my house by the XXXX of XXXX, in order to accept contract for sale. Me and my real estate agent both told the loan officer at Prospect what our deadline was, they said they could meet it, and we sent them information to begin the process on XXXX XXXX. 

The closing date comes, and Prospect has n't funded my loan. This is after they confirmed to us we were good to close. Then they come back and say the closing attorney is n't approved. So the attorney fills out paperwork and submits it. Then they say that can take up to several days. 

The XXXX, still no closing. The XXXX, no closing, so I emailed their consumer advocate. This seemed to get the ball rolling, although I never sensed any sort of urgency on their part. We closed on tuesday, the XXXX. 

Because of the missed closing date, I had to rent XXXX storage units and move XXXX, once to storage and from storage to my new house. I had to stay in a motel for XXXX nights. I had to throw away food I had no way to keep since storage units do n't have electricity for refrigeration. I lost time away from work. The loan officer said to keep a record and submit my expenses for reimbursement. 

I did submit almost XXXX dollars worth. Never during the process did the branch manager call me to apologize, or give me any indication that he was even concerned or involved. The processor that did my loan was fired, and the loan officer resigned, because they ca n't seem to meet closing dates. The branch manager, XXXX, refuses to reimburse me. He did n't even apologize except through email after his manager brought it to his attention. 

He has lied to me in every dealing with him, and there is an almost identical complaint about XXXX and the local branch on the consumer affairs page. My agent says her mortgage guy could have closed me in 3 weeks, I went 40 days with prospect. I have done XXXX mortgages, never ever had XXXX this bad.We were told multiple times we were good to close through this process, only to be delayed again and again.
Consumer complaint received 2017-01-20
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: Prospect Mortgage, LLC (NC)

I applied for a IRRRL loan through CapWest Mortgage ( - A division of Prospect Mortgage located on XXXX XXXX XXXX XXXX XXXX, CA XXXX, Branch XXXX # : XXXX ) on XX/XX/2016. The loan officer convinced me that I would benefit from a Cash out Refinance to cover some of my debts instead of the IRRRL or streamline loan for which I had been approved on the spot based on my credit score. An appraisal was ordered for which i paid. I was told the appraisal amount and advised to sign the Acknowledgment of Receipt of Appraisal Report quickly so that they loan can be locked. This is not only strong arm tactics but I think the company owes me a copy of the appraisal report. 

Secondly, the company dragged my application from XX/XX/XXXX when I first contacted them till XXXX when my application was first submitted to their underwriters. In today 's market I can no longer get the kind of interest rates for which I was qualified ( 2.9 % ) XX/XX/2016. If my application was processed efficiently and denied accordingly, I could have had enough time to apply for a better rate with some other company before the rates went up. 

Thirdly, only XXXX credit agency was consulted before the underwriters rejected my application for a high debt to income ratio.
Consumer complaint received 2015-05-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FC HoldCo LLC (MD)

Reached out to them however, never got a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Flagship Credit '' on XXXX via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
Consumer complaint received 2015-08-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (NV)

To whom it may concern, Our house was mortgaged by XXXX XXXX XXXX then M & T Bank bought the mortgage from them. All during this time that they have owned the loan every year they we receive ANNUAL ESCROW ACCOUNT DISCLOSURE STATEMENT FROM THEM. They always send us a shortage coupon and always try to XXXX our property taxes, when our taxes have only gone up {$16.00} this year. Our property taxes are for this residence and the adjoining lot which is {$590.00} for this year. M & T Bank want 's to raise the property tax that they collect from us to {$1000.00} This happens every year with them and we have to fight with them and then we have to call them and they state they will have to research it. 
XXXX XXXX XXXX stated to us that the PMI on our loan could be dropped after 5 years as long as we did n't have any missed payments or late payments. Which we have made every payment and not been late with it. 
I have been trying for the last 3 years to get M & T to drop the PMI and they state that we have to have a 80 % Loan to Valuation ratio and we are at 80.6 % and the lone is close to 8 years.
Consumer complaint received 2016-11-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: LD Holdings Group, LLC (CA)

Completed refinance with I Mortgage Company from previous lender XXXX XXXX. Loan closed early XXXX. My first payment due date was XXXX/XXXX/2016. I 've made both XXXX and XXXX payments and have statements from IMortgage as both cleared with my bank ( XXXX/XXXX/16 ) and XXXX/XXXX/2016. Receiving notices and threatening phone calls from IMortgage that they have n't received payments. I have spoken with them twice and they state it takes up to 60 days for " their system to update ''?? Just received another statement from them asking me to pay for XXXX and XXXX as well as upcoming XXXX payment. Again both payments have been made and I have Loan Statements from IMortgage. They requested and I sent to their Research department information with supporting documents.
Consumer complaint received 2017-10-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Risecredit, LLC (CA)

I never received any loan from this company I sent over afadavivt they claim.it went to account ending in XXXX I never received any account number like this in my life they are not being to helpful in resolve this matter.
Consumer complaint received 2023-02-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (WA)

I caught my father, XXXX XXXX, who lives at a distant address in another town with my sister stealing mail from me ( these letters are mailed in my sister 's name XXXX XXXX who shouldn't get mail here and he claims she told him to steal from me ) but this time he wanted IMPORTANT TAX RETURN DOCUMENT ENCLOSED : Citibank XXXX XXXX XXXX XXXX XXXX, TX XXXX -- I refused him and returned to sender!
Consumer complaint received 2017-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (MO)

XXXX XXXX XXXX XXXX did my Hard credit check without my Authorization.I didnt gave any authorization either orally or written to do my credit check.
Consumer complaint received 2015-11-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Duncan Solutions, lnc. (GA)

XXXX XXXX claimed they had a parking ticket for XXXX of my trucks. I wrote letters to the collection agency that contacted me and the City of XXXX. I expressly told this collection agency NEVER to contact me again. The City of XXXX gave me a court date. The ticket could not be found in the system and they dismissed any so called tickets. 2 days later the collection agency sent me a letter claiming I need to pay the ticket.
Consumer complaint received 2022-10-01
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

My mortgage trans go over to a new servicer and tripled in payment. It went from a little over {$1100.00} to XXXX. I called Mr. Copper, the new mortgager servicer and they advised my escrow went up significantly and I should call the county tax accessor. 
I called XXXX XXXX tax office in XXXX Va and was told that I did not have an outstanding tax bill. The next tax bill due would be in XXXX. 
I can not afford this bills increase and still live. 
I relayed the message to Mr. Coopers rep XXXX XXXX and proved the documentation provided by the county office.
Consumer complaint received 2016-09-26
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (CA)

I applied for a new credit card from a bank that was linked to an airline. The ad on the airline website offered a bonus of XXXX reward miles, but the bank switched and issued a card with lesser benefits, only XXXX points and a {$200.00} credit on a statement. I was not aware of this other plan at the time I applied. I did not realize the switch until after I had met the requirement of purchases within the first 3 months and was waiting for the XXXX points to show up on my account. When I checked with XXXX the airline and the bank, I was told by the airline that the bank handled the issuing of the credit card, and was told by the bank that the benefits I received were for the credit card they issued. I also checked with a local branch of the bank and after much communication between a bank rep and their home office I was again told the benefits I received were for the card they issued. In all cases they sidestepped the fact that the card issued was switched from what I applied for. I have copies of emails that I received from the bank referring to the XXXX points " reward '', but nothing referring to the lesser reward. In all of my contacts with the bank they completely ignore the fact about switching me to a different plan with no notification. I 'm XXXX XXXX XXXX, of sound mind and body and am now wondering if their responses are due to my age or if this is their standard operating procedures. All I 'm asking for is reversing the {$200.00} credit and give me the additional XXXX points that I expected and the ad promised. I still get emails from the airline suggesting that this plan is still available, and also on the airline website it 's still available. I did not need another credit card in the first place and the only reason I applied was to receive the XXXX bonus reward points.
Consumer complaint received 2022-10-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Harris & Harris, Ltd. (OH)

I am making payments for a loan given to me directly by case XXXX XXXX University. They are charging me 6 % interest and my balance is going up instead of down despite making payments. XXXX XXXX XXXX is refusing to release my transcript until the entire amount is paid and its preventing me from getting a job because XXXX cant get a professional license without my transcript and Ive tried several times to work with them and they refuse to do anything until I have paid the loan off in Full
Consumer complaint received 2017-10-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

I was involved in a scam and was scammed out of XXXX for a loan and in return given a bogus check for XXXX and was to give back XXXX. I against my better judgement deposited the check on Monday and then a few days ( weds ) later I called the bank to alert them that the Check might not be real and that I was scammed. I spoke with the first customer service rep who told me that all this could be resolved and to file a claim and that I could keep my account opened. So I filed a claim with the claims department and they advised the Check would be removed. Received a letter on this tues if the claim being completed and approved, I called back again on ( weds ) Was told I my account was only restricted and once the claim was processed it would be opened again. Then Thursday the check was still there. I called again and was sent to claims then to deposit team and told that the check would have to verified but I explained what happened and that I wanted it removed because of the scam. I again was told it would be removed the next day and then the account would be open. Then the next day Friday deposit department says the account is closed. And my direct deposit was sent back to my employer and I call my employer it was not. Call chase again on Monday XXXX and my direct deposit is there but being held. Then the rep said you can go to bank and open a new account. Go in branch and told they would research and then would let me know and then branch manger says there is nothing he can do. This Bank is so fraudulent and everyone is all over the place. I pay my bills and rent via my account have been a week without money because I was scammed. And I am the only one who lost money not the Bank, me. I want a new checking account or my old account reopened.
Consumer complaint received 2016-11-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (TX)

I received a collection notice from AFNI , Inc. alleging I owe XXXX. I do not and have never had a debt with XXXX and the debt is disputed.
Consumer complaint received 2016-04-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Duncan Solutions, lnc. (MD)

Repeated attempts to contact Professional Account Management LLC regarding this matter have failed. Including phone calls ( no answer ) and leters ( also no answer ). 

Received a notice about an unknown debt owed to XXXX Government for {$100.00} on XXXX XXXX, 2014. After verifying with the XXXX that it was valid, full payment made on XXXX/XXXX/14 ( i have written records ). Received another letter on XX/XX/2014 stating the debt was still outstanding while it was not. Attempted to call Professional Account Management with no response via phone call or letter. Professional Account Management proceeded to report this as an unpaid debt to XXXX and has not corrected that error. Multiple attempts to contact them and have this corrected have failed. Company is unreachable. Their address is listed as XXXX. Telephone XXXX.
Consumer complaint received 2016-07-21
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION (TN)

I opened an basic checking account with Regions back in XX/XX/XXXX/XX/XX/XXXX. At that time I was advised to opt-in to the overdraft protection. Based on the explanation, it sounded like a good feature. 

Sometime in XX/XX/XXXX, I experienced my first overdraft but it did n't make sense to me. I called in and the agent I spoke with could n't adequately explain the logic behind why I was charged. The way the information was listed on my account online suggested that I had enough funds in my account and that the overdraft fee is what overdrafted my account! At that time, they refunded an overdraft fee and helped me opt-out of the feature. 

As it was explained to me, opting-out of their overdraft protection would PREVENT any overdraft scenarios from happening. This is clearly not the case. 

Fast forward to recently, I made a debit card purchase online on XX/XX/XXXX and that purchase did not " clear '' until yesterday. Every single day I 've been checking my available balance and every single day it showed this {$39.00} had already been subtracted from my balance. But now when I check today, it just posted and caused me an overdraft. 

Additionally, on several occasions they have been unable to explain the order of transactions. I get a different answer every time I talk to them. Their response is always that I should keep a paper ledger. I should be able to use the TOOLS they provide to view an accurate balance. Otherwise its a bait to lure me into spending money I do n't have. I RELY on that tool to track my finances. T hat 's why its there. It is a realtime digital ledger.
Consumer complaint received 2016-05-04
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION (FL)

Regions Bank is unlawfully reporting an account on my credit report. I was unlawfully " opted in '' for paying overdrafts when I never consented. I received overdraft fees and they charged me fees on a deposit advance product they had, when they said they would n't.
Consumer complaint received 2015-09-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION (TX)

I closed my checking account and two weeks later a debit went through from a company whom I had notified of my new bank account number. Apparently it was n't processed in time enough before the debit hit my bank account. That happened with another company as well. So the bank opened up my account without my permission and let charges go through without notifying me that my account had been reopened by the bank and late charges incurred and also monthly service fee was applied even though I had closed my account. I spoke with them and the balance I now owe is {$160.00} dollars. Unless I pay it all off my account will stay opened and monthly service charge will continue. I should only be liable for the merchant charges. This is illegal for the bank to reopen my account after I closed it. The XXXX charges that came through should have been denied but instead they reopen my account, charge me XXXX overdraft fees and monthly service fee. I owe {$32.00} for XXXX and {$13.00} for XXXX which is what I am willing to pay. 
Thank you and please advise.
Consumer complaint received 2016-04-29
Product: Consumer Loan — Pawn loan
Issue: Payment to acct not credited — 
Company: BANK OF THE WEST (CA)

we keep getting charges for a mothly automatic payment that we make from our checking acount on XXXX XXXX to a saving account in Bank of the West that is being used from this bank for payment to a line of credit loan with the same bank. 
We are being charge for " not sufficient funds '' even though wehave proof that a payment had been made on time from XXXX XXXX to Bank of the West. 
We have tried to resolved this both via telephone and in person but are being told to wait and have not had these charges reversed. It has been seven days.