davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-08
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

This is my third complaint filed against Citizens Bank ( Charter One ) due to their ignoring me and the only way I can get a response from them. 
I received a letter on XXXX XXXX, XXXX from Citizens One answering Case # XXXX in response to the fact that the bank was taking my whole mortgage payment and not applying anything to principle. This has since been straightened out in a letter from XXXX XXXX XXXX, Office of the Chairman. Again after many phone calls for months. and trips to the bank with no answers, including filings " Notice of Error '' I contacted XXXX XXXX XXXX on XXXX XXXX, XXXX to tell him that my attorney had filed a " Notice of Error '' on XXXX XXXX, XXXX which was never acknowledged stating the terms of my loan modification agreement and also the fact that I had still not received the {$380.00} reimbursement to me for the attorney fee charged my association and therefore charged to me due to the foreclosure that was wrongfully executed per XXXX XXXX XXXX. I had been promised by XXXX XXXX of the " Office of the Chairman '' that this bill would be covered. There were several statements that were told to me that kept getting changed when I asked the right questions. All of these papers from the " Notice Of Error '' were faxed to XXXX XXXX XXXX on XXXX/XXXX/XXXX with a note to please let me know if he got them. XXXX XXXX, XXXX call to find out if he got the fax and left my cell phone number. XXXX XXXX, XXXX called again to call me and let me know if he got the fax. 
XXXX XXXX, XXXX XXXX XXXX called to let me know he got the fax and turned it over to the law department. XXXX XXXX, XXXX, left message with both phone numbers to let me know if the check had gone out yet.. No response which is the game to wear you out. On XXXX XXXX, XXXX left message again with both phone numbers and told him it would be the last time I will call -- -- horrible treatment for a customer who has been with the bank for over 34 years paying off a previous mortgage of 30 years, paying diligently every month on a equity line of credit and this is what they call exceptional service. As XXXX XXXX stated in is letter to me, that they are consistently exploring ways to improve our customers experience, then start here. My experience has been disastrous, horrible and life threatening. 
I ask that you send a check in the name of my association for the {$380.00} owed to them in my name immediately. The name and address are in the papers that were faxed to XXXX XXXX. 
My 30 year mortgage @ 5 % because of your foreclosure makes you the winner but in my eyes you are a pitiful bank where " XXXX your neighbor, it will make money '' is your mantra ... 
I was told by one of your employees " if this had passed his desk, it would not have happened '' ... ... how sad that I 've been a victim of getting the wrong desk and the wrong person .... 
XXXX XXXX XXXX
Consumer complaint received 2016-05-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NC)

In XXXX XXXX I was informed that my loan was two months behind, I informed the caller that I was unemployed for a year in a half at that time, but I just got hired parttime and that I would be able to start making payments, she gave me an option of modification, I informed her that I would try to get needed paperwork to her for this, but I wanted to continue to make payments as I could. I received information for modification, I tried to get needed paperwork, due to work schedule it was hard, I was working consisitantly XX/XX/XXXX and I asked that they continue to draft my account for monthly morgage and when I could make additional payments to catch up I would. Wells fargo stoped withdrawing my morgage and I was informed when I called to check on my morgage that it was in forclosure and that a date for sale was not determined. Wellsfargo has had this loan since XX/XX/XXXX with me and the rate is 8 % on a {$40000.00} loan and I still owe that amount. I pay {$430.00} monthly, I have tried several times to get my intrest rate changed or refinance and they refuse and I have 30 years at this rate on this loan. Yes I have struggled with this loan due to my job lost, but this home is worth XXXX and Wellsfargo is sending people to take pictures of my home saying " this home is for sale '' I have the stress of being underemployment and Wells fargo trying to take my home to sell it. I have tried to set double payments and was told no, you have to pay {$2800.00} or do a ballon payment that wll be due in six months. Please help me I want to get away from Wellsfargo that are trying to steal my home for nothing. The intrest alone I have paid this loan off. I have depleted all of my retirement trying to pay this mortage monthly and I miss a couple of payments and they put me in forclosure. Please help me, I am so stressed with this problem. I have called everyday this week trying to set payments and they will not allow me. they are trying to make it look like I am very far behind and I am not they stoped taking my payments.
Consumer complaint received 2016-12-06
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (FL)

I WAS DENIED FOR ANY OPTIONS TO BRING MY LOAN CURRENT. I HAVE BEEN TRYING TO GET A LOAN MODIFICATION OR REPAYMENT PLAN BUT THEY ARE JUST DENYING ME AND NOW HAVE A SALE DATE FOR XX/XX/XXXX. I HAVE BEEN STRUGGLING TO KEEP UP WITH MY MORTGAGE PAYMENTS AFTER MY DIVORCE IN XX/XX/XXXX AND LOSING HALF INCOME CONTRIBUTED TO THE HOUSEHOLD AND BUSINESS SLOWED AS WELL.
Consumer complaint received 2016-12-12
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

XXXX LOANMART, Wheels Financial Group , LLC XXXX LoanMart ( " LoanMart '' ) operating out of XXXX CA, phone number ( XXXX was informed that the loan reported on my credit report was as a result of Identity Theft. For the past XXXX years, my credit report has a security freeze with instructions to call my cell phone before granting a credit. The people who keep using my social security number, have attempted several times to apply for the credit and those creditors who follow the instructions and have adequate policies and procedures when the security freeze is showing up, they all call me and I stop the process. I have never received any communication prior to granting this credit by the LoanMart nor have I authorized it. After I disputed this information, instead of reviewing their own file and identifying the gaps, LoanMart sent me a letter with XXXX items for me to provide : XXXX ) A signed copy of an Affidavit of Identity Theft == & gt ; there was nothing attached to the letter, which Affidavit would be satisfying for them? 
XXXX ) A copy of the police report ( matching the police report case number that I filed and already provided ) 3 ) a copy of my personal identification I have a problem with providing my personal identification as well as the police report to the company that does not have proper Customer Identification Program ( CIP ). Had they followed proper XXXX, they would identify that the person applying for the loan was doing so fraudulently. I have no confidence in this company that if I send copy of my ID and a police report, that it will be properly handled. Hence, I refuse to provide copy of these documents.
Consumer complaint received 2016-11-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: First Service Residential, Nevada, LLC (NV)

I received a letter a few weeks ago from a debt collector apparently trying to collect charges from 2007 when I originally purchased my house. I have looked up Nevada law and the statute of limitations for collections in Nevada is either 3, 4, or 6 years, depending on the type of debt. A debt from 2007 would fall outside this period, and thus, the collection company needs to stop contacting me. Additionally, they had a man come to my house with a " certified letter '' that threatened that they would file a default judgement. This is illegal as they have no standing to bring a case in Nevada as this is outside the statute of limitations and having a collector come to my house is harassment.
Consumer complaint received 2016-05-13
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (FL)

I am at my wit 's end with Wells Fargo and completely about to lose my XXXX! Please follow the bouncing ball : 1. On Saturday, XXXX XXXX, 2016 I went into a local branch ( sorry you now call them STORES ) to sign documents for a personal line of credit which I had secured via an on-line application. 
2. On Monday, XXXX XXXX, 2016 I received an E-mail from Wells Fargo advising that the loan was available. 
3. I logged onto my account only to find that {$6300.00} had been removed from my savings account, but THOSE funds nor any other funds had been made available to me. So they were holding my own money and I could n't access it. 
4. I immediately contacted the branch by both phone and E-mail and did not receive a response until after XXXX when a VERY condescending and rude XXXX XXXX XXXX called me. I understand he is the assistant branch manager and trust me, he needs to be fired. 
5. XXXX XXXX not only DID NOT want to assist me with solving the issue, he was insulting and would not let me ask questions. Every time I tried to say anything, he would begin talking over me. He 's XXXX, by the way. No customer should EVER be treated like I have been treated by this man or by any bank. 
6. On Tuesday a.m., XXXX XXXX, 2016, I was at the branch when it opened and requested that the loan be canceled. I asked XXXX XXXX to put in writing that he was canceling the loan as requested. He refused to do this. I left the bank not knowing whether he would actually do as asked or just bury the paperwork and leave me floundering. I think that IS exactly what he would have done if I had not gotten other people and posted comments on social media. 
7. On Wednesday, XXXX XXXX, 2016, I finally received a phone call from someone named XXXX in the " Executive Office. '' XXXX said the funds had been returned to my account that afternoon. When I logged into my account, the funds that had been withdrawn had indeed been returned to me. She said the loan was canceled. 
8. WAIT FOR IT ... .Because I no longer trust Wells Fargo , I logged onto my account just before XXXX only to find that {$6300.00} had AGAIN been removed from my savings account. 
9. I tried to talk to someone last night which was a COMPLETE waste of time. 
10. I have e-mailed, called a dozen times, sent messages, everything I know to do and crickets. Here it is Friday and no one is working apparently. Sure as XXXX no one is trying to resolve this issue for me. What XXXX happened to putting the customer first? What XXXX happened to the customer is always right? These are obviously not part of a code Wells Fargo chooses to follow. 
11. The {$6300.00} is MY MONEY, not YOURS! I want it returned to my account TODAY, no excuses, no exceptions. I want a FORMAL apology and I want interest.
Consumer complaint received 2016-11-20
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (TX)

I have a credit card and and an unsecured loan with WF. My payments are {$500.00} plus on one and $ 200plus on the other. I have asked WF to consolidate these loans so that I can reduce my payments. My payments are on draft so I have never been late. WF underwriters keep telling me they can not do this. With consolidation I can have a lower payment each month and your loan is paid off. I am so sick of asking WF TO HELP ME, instead of their bottom dollar. There is no loss to you or me. It just helps me which I thought WF would try and help their customers. For so long I tried to get a refinance on my mortgage, which my local bank said was not authorized by your underwriters. I took a job in Florida and guess what they had no problem helping me out and refinanced my loan. I am being forced to seek help from the banking regulators just have a loan consolidation which is ridiculous. BEFORE I DO THIS ... .PLEASE HELP ME! I have my mortgage with you, I owe {$160.00} plus..but the market place in our country club says it s worth XXXX, but can not get an equity loan with you! PLEASE LOOK INTO THIS!
Consumer complaint received 2016-04-15
Product: Credit card — 
Issue: Advertising and marketing — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

Credit card offer online showed XXXX bonus points for spending {$25.00} or so, for about XXXX different purchases before a certain date. We tried signing up for the service online and it has come time for the bonus points to show and it looks like it has not worked. Yet I spent well beyond the bonus requirements. The online system for signing up for the bonus was not effective in working with my submission and success in meeting the requirements.
Consumer complaint received 2016-05-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC (VA)

I locked in a rate with Loan Depot on XXXX/XXXX/XXXX to refinance my mortgage on my property in XXXX, XXXX After 4 months of run around, they informed me that I needed to bring $ XXXX cash to closing so I can close on the new loan! Considering we started with minimal cash to close, they changed their mind 4 times and each time the cash to close went higher. 
It 's worthy to note that the consistent increase was not due to any new information I provided after the initial set of information they received, but after a long period of radio silence, when I was not getting responses to my emails or phone calls and messages, they told me that cash to close was increased because they had just noticed my Home Owner 's Association fee of {$120.00}! And for that they could n't close my loan unless I came in with $ XXXX in cash! Mind you, they had all this information from XXXX XXXX, but just realized it in XXXX XXXX, after they changed their interest rate and cash to close amount 3 other times, consistently going higher every time until it reached an amount that I had no choice but to drop the refinance. 
I was dodged around among XXXX people for the 4 months and each one of them gave me a different reason for their unjustified very very late decision. 

They wo n't even refund my appraisal fee so I can go pursue another refinance since I still need to change my mortgage from an interest only ARM to a 30 year fixed. 

I am totally shocked with the lack of professionalism and ethics of this financial company and the fact that they are out for your money at any cost. I will never do business with them! Hope you wo n't either!
Consumer complaint received 2016-05-13
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: SOUTHWEST FUNDING, LP (TN)

To whom it may concern, I believe that my mortgage company committed fraud to get my loan approved by forging my signature to XXXX documents stating that I did not have a car loan when I do. They are now trying to bully me. I have obtained an attorney but wanted to do my due diligence and report their actions to the property authorities. I have attached documentation to prove my case. You can clearly see that there are XXXX different signatures.
Consumer complaint received 2016-08-09
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (WA)

Company called and said I took out a payday loan that I never took out 6 years ago, told me I was going to be sued if I did n't pay them XXXX dollars. Name of company is Cadinal Processing, said loan was through XXXX XXXX and XXXX XXXX.
Consumer complaint received 2016-05-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (MN)

Good Morning Equifax. I want to start off by saying thank you for making progress here.. but I just looked at my Equifax complete service and I noticed that the XXXX account that we are going back and forth over is not even my account I have attached a document with the card I have with XXXX and the only one. I asked you if you could please remove this account that does not belong to me. 
if you can see it in your heart and please remove this account because it 's not mine
Consumer complaint received 2016-12-12
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Receivables Performance Management, LLC (AZ)

This company continues to call me for debt collection for my husband and we have been legally separated for 9 years. They called me last week and I told them that, and they called me again today. They will not tell me why they are calling me or why they have my phone number. They will not give me the name of their company. When I try to speak to a manager they disconnect me. It is harassment and I am not legally associated with this person ( my husband ) anymore.
Consumer complaint received 2016-12-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (AZ)

I was recently garnished on my wage and I have no idea why. I received a letter in the mail from my employer about the garnishment and on the paper it had a case number and a company that issued the garnishment. When I called the company about it, they tried to look me up in the computer and they said they could not find any accounts for me and that they have no idea why I am being garnished. I contacted the company that handles my paycheck, and they told me to call the court house that agreed to issue the garnishment. When I called them, I got transferred to the Small Claims Department at the XXXX Court XXXX XXXX XXXX, and the woman I spoke to looked up the case number that I had and she said it had my name on it, but that was all the information she could give me. The other person that I was told to call by my payroll company, was the lawyers office that apparently handled " my case '' and I have been calling and calling and nobody answers the phone. I know that I do n't owe anyone money, and I have never had anything in collections and I have no derogatory marks on my credit.
Consumer complaint received 2016-11-18
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (WA)

Hello CFPB, I applied online and was approved for a {$1000.00} loan from Big Picture Loans formerly known as Castle Payday on XXXX/XXXX/2016. 

At the time of accepting this loan, I agreed to what I believed was a one-time finance charge of {$350.00} to be included to the amount borrowed. 

I 'm not looking to get out of a legitimate owed debt, and had no problem paying what I believed was a one-time fee, but now realize I have been scammed, and in fear of losing thousands of dollars to these people. 

This was a precipitous fee but I agreed. What I was n't aware of, nor was it disclosed at the time of accepting the loan was that they are charging an outrageous 849.0116 % associated finance charge, and furthermore was not able to view the " Truth in Lending disclosure '' until after the loan had been processed, and the funds deposited to my account. 

They have been bleeding my banking account for month 's now in the tune of {$700.00} per month and are stating that I still owe thousands plus late fees to satisfy this original {$1000.00} loan. {$8000.00} for a {$1000.00} loan, @ 850 % Really!! 

These people are predators, and should be held accountable, and possibly sued to the fullest extent for continuing to use malicious tactics, and unfair lending practices. 

Please help, Sincerely : XXXX XXXX
Consumer complaint received 2016-11-04
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

An old Home Equity Line of credit that I closed at Bank of America in 2008 was suddenly reopened without my permission about a year ago. When I called the bank and informed them of what appears to be unscrupulous sales practices, they claimed it was never closed and I would need to send the {$10.00} to close it.
Consumer complaint received 2016-04-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (MO)

I submitted the XXXX Loan Forgiveness form XX/XX/XXXX. All information was correct on the form. I called for updates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX. On XX/XX/XXXX, after 90 days of processing, Navient told me that they sent me a letter denying my request on XX/XX/XXXX. However, every previous encounter I was told that the document was still in processing. When I pointed out these discrepancies, they simply said, " sorry for the misunderstanding. '' Navient said my signature was missing, but it was not. I feel they are not being honest in their correspondence with me.
Consumer complaint received 2016-05-13
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TENET HEALTHCARE CORPORATION (GA)

I had went to XXXX XXXX XXXX XXXX XXXX XXXX in approximately XXXX. The hospital got my Medicare Card and my XXXX Card. On XXXX after moving to XXXX, XXXX, I received my VERY FIRST letter from the INFAMOUS debt collector Syndicated Office Systems. XXXX, XXXX XXXX XXXX. The letter said, I owed a mere {$65.00} for the co-pay. I got on the phone and IMMEDIATELY paid it. There is no dispute of that. The ENTIRE PROBLEM is I never knew I had a co-pay after being shot up with Dilaudid and leaving too high to walk. And, NO ONE said, " XXXX XXXX do you or anyone with you gon na pay your CO-PAY? '' I get my first notice a year and 4 months later AFTER it 's on my Credit. And for 3 years, I have XXXX " collection '' for {$65.00} that even the supervisor of Accounting XXXX said THEY SHOULD REMOVE but Syndicated Office Systems/Central Financial refuses to remove! This is CFPB 's own report on the XXXX name company XXXX
Consumer complaint received 2016-03-08
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

I am an Identity Theft Victim. My original FTC document was fed-ex to CFPB on XXXX XXXX, XXXX. My personal information ( SSN, Birthday, Address, Driver License #, Phone # ) were stolen after I opened a phone number on XXXX XXXX, XXXX at XXXX Store XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Sale person # XXXX The Criminal used my identity 1 ) Changed my address on file at Credit Card company, fraudulently charged more than {$36000.00}. ( XXXX XXXX {$12000.00}, XXXX 's {$4000.00}, XXXX {$7400.00}, {$1200.00}, {$1400.00}, CitiCard {$2000.00}, Macy {$1500.00}, XXXX {$1800.00}, XXXX {$4400.00} ). Repeatedly asking for Credit Card replacement or new card after I closed the previous ones. 
2 ) Stole my phone number twice and pretended to be me for Credit Card Call Back Verification. They also opened several lines with XXXX and charged equipment. 
3 ) Showed up at my address twice, first time waited for XXXX delivery to retrieve XXXX Card that I did not request and the second time stalked at my place, either waiting for US Mail delivery or tried to break into my now locked mail box.