davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-31
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: CITIBANK, N.A. (NJ)

Citigroup XXXX Inc is the parent company of Citifinancial which slandered the title of my real estate property for XXXX years.Citifiancial acknowledges that the disclosure statement and Deed of Trust only has XXXX signature, and not XXXX ; which is a violation of Maryland XXXX. 
Citifinancial placed an illegal lien ( SLANDER OF TITLE XXXX on my property on Febuary XXXX. There are XXXX people XXXX XXXX XXXX and XXXX XXXX XXXX that are on the deed. XXXX XXXX never signed any paperwork for a mortgage or home equity loan XXXX CitiFiancial admits to this fact- see attached documents ) ; therefore a Lien can not be placed on a property, according to Maryland XXXX XXXX XXXX Citifinancial admitted in a correspondence dated XXXX/XXXX/XXXX, that " they made a mistake. '' But, this mistake cost me and my uncle a lot of money because of their " INTENTIONAL MISTAKE. '' We were unable to sell the property, suffered tremendous pain and suffering and extreme financial difficulties. 
On XX/XX/XXXX, Citifinancial took the deed of trust and other documents to XXXX XXXX XXXX for the placement of a lien on my property, total aware of the fact that ALL signature were not present ( CitiFinancial admits to this fact ). This is SLANDER OF TITLEBecause of my Active Duty Status, I am not under Statue of Limitation Laws, because of the Sailors Soldiers and Civil Relief Act.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2015-05-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Genesis Lending (CA)

I attended XXXX College XXXX XXXX and was called into the financial office many times saying that I needed to pull out more loans because my Grant did not cover my XXXX Quarter. They picked the loan for me to pull which was a company named Genesis. They would literally pull me from class or put a hold on my access to computers so that I would have to directly go to the financial office in order to lift the hold on my access to school computers. I was also pulled out of class and was told that I would have to make cash payments or " house payments '' of {$20.00} a month for a total of {$500.00} for a " opportunity grant '' or so I was told. Even though they knew I did not have a job and was a single parent trying to make a better life for my daughter. I had to ask my mother for help to make a loan payment from e-payment which I believe they had me sign up XXXX on purpose saying I never made the payment in order to get XXXX payments at a time. They were to take out {$40.00} cents once a month and were taking {$80.00} a month instead. I called them numerous times to cancel XXXX payment because there should n't have been XXXX and they said they would fix it and still took out {$80.00} until my mom cancelled them on the day my school closed because I was told I would not be able to finish my last quarter without making those payments because that was the quarter my Grant supposedly did not cover. Who would of loan that 's exactly what had happened, I was in my last quarter at my internship site and was n't able to complete my last quarter anyways even by pulling out that loan they said I had to have to finish school. Now I have so many loans and no degree and in an even bigger hole than I was previously in. I thought going back to school would help make our lives better but I am even more messed up then I already was. can someone please help us in the right direction, I really am just so lost. please and thank you.
Consumer complaint received 2015-11-23
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Rodenburg LLP (MN)

A debt collector by the name of rodenburg law firm in North Dakota has threatened to sue me for a credit card that fell into debt because of hardship in which the original creditor knew it was being closed for that reason. This debt collector tried serving me papers at my previous address and their representative harrassed my parents there in the process. I then got in contact with this debt collector erxplaining I am experiencing hardship and explained that the original creditor knew of the hardship. I tried to work with the debt collector in telling them I could only give so money so much each month but they refused my offer. THEY REFUSED MONEY FROM ME. They are still attempting to SUE ME when I have nothing and still experiencing hardship and receive public assistance which in some states that could prevent the debt collector from attempting to garnish wages. It says on my credit according to trans union that this account has been removed and is pretty much wiped off. Also I am in the process of going into bankruptcy.
Consumer complaint received 2015-10-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (CA)

I am not aware of this debt and do not know how it originated. I have always been in great standing with my cell phone provider. I was a victim of identity theft several years ago.
Consumer complaint received 2015-05-07
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Byrider Franchising, LLC (WV)

I needed to buy a car and went to JD Byrider in XXXX WV. They say they do not do a credit check and they do not base their decision on my credit but they did. I checked my credit report and they did an inquiry on my credit. The sign out front said no credit check. I did not get a loan through them but they are false advertising I feel.
Consumer complaint received 2015-11-22
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (PA)

Paypal is arbitrarily applying hold policies despite my being an account holder in good standing. In the latest incident, paypal arbitrarily applied a hold against my account for funds from an auction completion. No where was the made explicitly clear that this transaction would flag some arbitrary rating system, applied by EBAY and Paypal which are now separate companies. Furthermore I never allowed, approve or otherwise granted Paypal permission to share my account information with anyone else, including Ebay which is now a new and different company. This issue goes along with paypal charging fees that were not disclosed in given transactions. Most recently they charged a seller a fee was omitted from the disclosure they provided to me during and upon completion of the transaction.
Consumer complaint received 2016-03-02
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: KEYCORP (CA)

I obtained a 10-year conventional, fixed mortgage from my local bank in 2006. This loan was sold twice. The current lender is KeyBank in XXXX XXXX, KS, who purchased my loan from XXXX XXXX 6 months ago. The balloon payment ( approx. {$210000.00} ) is due in 10 days. 

A payoff statement was requested from XXXX XXXX at KeyBank, who added a {$850.00} " Admin Fee '' to the principal. I have no choice but to pay this unexpected {$850.00} fee, if KeyBank is to accept the balloon payment and close the account. I was never told about this fee until today. I reviewed my original loan documents and nowhere does it say that I will be charged any amount, let alone a {$850.00} fee, to pay off the mortgage. I have had a number of mortgages, both residential and commercial, and have never had to pay such a fee. The escrow manager says this fee is both improper and very excessive. In fact, she has never seen anything like it in her years in business. 

I asked XXXX XXXX at KeyBank to reverse that {$850.00} fee, but he refused, saying said it was necessary to cover " some legal expenses associated with issuing and filing releases ''. Please note that each of my 120 monthly mortgage payments was made on time and my FICO is XXXX. 

XXXX XXXX also charges a {$100.00} fee to revise the payoff statement ( such as changing the date ). The escrow manager says this kind of fee is very seldom assessed by banks, and would typically cost no more than {$15.00}. 

KeyBank is apparently trying to squeeze exorbitant, last-minute fees that were never due, simply because I have no choice, no time to dispute them and no recourse ( other than CFPB ). I believe that is behavior is known as extortion.
Consumer complaint received 2015-10-11
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

Portfolio Recovery Associates ( " PRA '' ) is collecting on a debt allegedly owed to XXXX. On or about XXXX XXXX, 2015, I disputed this account with all XXXX credit reporting agencies and with PRA and requested validation of the debt. Immediately, the debt was verified with the credit reporting agencies. About two weeks later, I received mail from PRA with a cover letter indicating they had " verified '' the debt. 

Included with PRA 's letter were XXXX non-consecutive statements from XXXX XXXX, none of which provided any indication of how the balance on my secured card with a credit limit of {$700.00} rose to nearly {$2000.00} in a relatively short amount of time. After applying the security deposit to the alleged balance, PRA is attempting to collect {$1200.00}, an amount nearly XXXX the account credit limit. Nothing in the XXXX statements I was sent provide any indication as to where this balance came from. 

In the meantime, I have sent PRA subsequent correspondence to which I have received no reply. They do, however, continue to report a monthly 'charge-off ' to the XXXX credit bureaus, making sure they do the maximum possible to completely ruin my credit score. I would note that a Missouri jury recently ( XXXX, 2015 ) ordered PRA to pay over {$83.00} XXXX in damages to a woman whose credit they ruined without any concern. I have no problem paying my debts but it would seem to me that if they applied my security deposit and closed my account, my balance should be settled. To apply my deposit AND claim I owe an additional {$1200.00} is outrageous, and to ruin my credit monthly because I want to know the nature of how this was calculated is truly unfair.
Consumer complaint received 2015-07-30
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

I contacted ARS on XXXX/XXXX/2015 to dispute an item they placed on my credit file. I sent them a dispute letter asking them to provide me with information on this debt with my signature agreeing to this debt. XXXX days went by, they sent nothing. According to federal law and the FDCPA they were suppose to remove this item. They did not. I then sent them a letter on XXXX/XXXX/2015 asking them to cease all communication with myself and XXXX, XXXX, and XXXX. They have failed to do that as well which violates The Fair Debt Collection Practices Act. If they contact myself or ANY of the XXXX Credit Bureaus regarding anything concerning me I will immediately contact FL Attorney General XXXX XXXX directly as well as file a complaint with the XXXX.
Consumer complaint received 2015-11-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Allied Account Services, Inc. (AL)

Was working on my XXXX at XXXX University and had almost completed the program except XXXX course, XXXX XXXX, and XXXX and was receiving financial aid thru the XXXX. Became ill and had to undergo XXXX and XXXX that lasted from XX/XX/XXXX-XX/XX/XXXX, with ongoing treatment ; however, I requested a leave of absence from the school and was granted a 2-quarter leave -- which is only 4 months. Student requested an additional leave on the grounds of medical and was refused, requesting personal medical records from my XXXX. My XXXX wrote a letter to XXXX University, and that is the way I received an additional leave of absence. Also, student had reached the financial aid lifetime aggregate, but XXXX University kept the student enrolled and billed the student with the student owing XXXX University instead of the federal government. This is a scam, to say the least. XXXX University had turned this bogus account over to a collection agency -- Allied Account Services, and this company is relentless -- will not listen to reason and keep digging into my personal files at XXXX and submitted the documents which has no baring on this bogus account.
Consumer complaint received 2015-11-23
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

In XX/XX/XXXX I obtained a loan from Bank of America to purchase a building for my medical practice. Due to the economy, I had to close my practice in XX/XX/XXXX and now the building is under water. There is a short sale on the table, but BOA wants me to have personal resposibility for the almost {$200000.00} deficit with a variable rate of interest. At this point, the principle balance has been paid from the mortgage loan, and the interest of 9 % that was obtained by the bank from the line of credit that has now been paid off. Also, I feel there has been a level of malice from the loan officers at BOA, as I have tried to work something out with them since XX/XX/XXXX. On XXXX occasions, I was asked to submit financial statements and tax returns, only to never hear from anyone. My case has been turned over to a private debt collector, even though BOA has its own internal debt collection agency. I would like the matter resolved by the writing off of the balance from the short sale or at least only be liable for the difference in price from the appraised value and the short sale. Due to personal liability, this puts my personal residence in jeopardy.
Consumer complaint received 2015-10-10
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: CORELOGIC INC (WA)

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by CREDCO on or about XX/XX/XXXX on XXXX. I did not authorized anyone employed by this company to make any inquiry and view my credit report. CREDCO has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
Consumer complaint received 2015-09-02
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: NAVY FEDERAL CREDIT UNION (NJ)

ComplaintDescription of the complaintI contact Navy Federal Credit Union on XXXX XXXX, 2015 regarding access my old account in order retrieve funds that was credit to the close account the reason for this they had told via phone several times that they can not credit the new account they have credit the old account which I do not have access to. I ask why would credit account that closed they stated that that was they policy. So today call will be see if I can have access to my account which have funds belonging I spoke to XXXX stated that I would will not be able access the account because the account is negative now I did cause the account be negative Navy Federal Credit Union authorizing transactions and hold me responiblity of Fraud Account I contact them and stated that this is a Fraud Transaction why then will I be held responible for fraud I did not do it. 

How complaint can be satisfactorily addressedThere 's alot of money coming up missing due to the lack of management of accounts and Product, Services and Navy Federal Credit Union is getting away with stealing member money a investigation is need to catch all involved with stolen money and mismanagement of member account and they should be charged and convited for all illegal handing.
Consumer complaint received 2015-05-07
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Funding LLC is reporting a due balance of {$8000.00} under the account number XXXX in my credit report which should not be in my credit report because the date of default or the last date of any activities with me is more than 7 years old. The card was with XXXX and last activity with me is in early XX/XX/XXXX and subsequently defaulted. XXXX was sold to XXXX bank in early XX/XX/XXXX. In XX/XX/XXXX, XXXX sold the account to Midland LLC.
Consumer complaint received 2015-10-12
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CREDIT BUREAU OF NAPA COUNTY, INC. (GA)

I am receiving constant calls from Chase Receivables regarding a medical debt I never received a invoice from the original provider. I spoke with the the collection agency several months ago and requested documentation on the charges. I provided a supervisor my name and address and told them I would research and call them back. I never received anything from Chase Receivables. Chase has continued to call my home phone number XXXX to XXXX times a week.
Consumer complaint received 2015-05-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (AR)

When I was a resident at the property XXXX on XXXX, there were numerous complaints that I advised to management. When paying my rent each month it would fluctuate. I signed a lease agreementioned for XXXX each month my rent was well over XXXX. I advised management they stated would fix and each time it was not when I caught up a past due balance of XXXX was paid. In XXXX no heat downstairs. maintenance never lit fireplace after asking 5 to 6 times still no resolution. Had to buy a heater just to eat breakfast never able to stay in living room or den. Then water was shut off because they stated there was a leak in middle of street which water poured down the street.When it snowed steps were hazardous spent XXXX to try to clear all steps to leave home due to not having maintenance. Also the parking was never enforced and people parked all over the place from the back in the spot at my townhouse which was on the corner. Our patio was constantly full of nails. Various issues that were never resolved nor contacted on and also filed complaint with XXXX. As well as my mom XXXX and we are still paying for that today. Because my rent was excessive I was forced to vacate but I did try to stay current only only to keep having it doubled then tripled
Consumer complaint received 2015-05-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

My bank sent me a notice saying that I needed to make an escrow shortage payment, because according to their escrow analysis my account was short of funds ( the statement shows funds of {$3300.00} and their numbers never make sense to me ) It was to be paid in full or my monthly payment was going " to be adjusted accordingly ''. I sent a full payment in a money order from USPS via certified mail. 
They received the money. I have been trying to make my standard monthly payment online as I always do it, and the system is asking me for more money ( as if I had not paid the additional escrow ). I call the bank twice ( on XXXX XXXX. and XXXX XXXX ) and they said they need to adjust the system, but in the mean time I have to make the higher payment and they will readjust it when they make a new analysis. The system is refusing to take my normal monthly payment and I am subject to penalties/late fees if they receive a late payment. I do n't have the extra {$130.00} they asking for until they adjust the system.
Consumer complaint received 2015-10-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Phoenix Financial Services LLC (TX)

Phoenix Financial Services is trying to collect false debt from me, has sold false debt to other companies who are now trying to collect from me as well and has reported one of the false debts to the credit bureau twice. I was checking my credit report when I noticed some very jarring negative claims in my report that were false. No other company especially the main collector a hospital has ever charged me with this unpaid debt much less over XXXX dollars worth of unpaid hospital bills. After calling the company charging me with the higher bill they said that the company that sold them this debt was Phoenix Financial Services. I made a report on that company as well for purchasing false debt and trying to collect it.
Consumer complaint received 2015-05-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (ID)

I have contacted multiple financial institutions and most of the time I am told that principle payments do not reduce interest charges in the following month. I am told not to pay on principle since doing so will only shorten the loan duration but not the interest charges in the following month. 

This complaint is specific to Capital One. I was told by multiple licensed employees that principle payments do not reduce scheduled interest charges in the following month and discouraged extra payments. I eventual pushed the issue to the fourth level of management who stated correctly that principle payments do reduce the following month interest charges. They stated they would provide training to their employees. I stated I would call after XXXX month and ask the same question to see if the training was effective. 

Today, XXXX/XXXX/15 at XXXX XXXX, I called XXXX XXXX XXXX. I asked " If I pay an extra {$10.00} in month XXXX, will the interest charge in month XXXX drop by a few cents? '' He replied no. He said the interest charges would be the same as though no principle was paid and only the length of my loan would be reduced. He clearly failed my test and when I asked to speak to management I was told there was none available, then transferred to a voicemail. 

I have spoken to many people in the industry and it sickens me that so many actively discourage early pay off and additional principle payments. They lie to prevent early pay-off and this costs consumer XXXX of dollars. over the life of the loan.