davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-19
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

This is the 2nd complaint that I 'm filing against Citizens Bank. My first complaint # for CFPB is # XXXX. Briefly, that last statement I received from Citizens was XX/XX/XXXX which I paid in full. I did charge a few things on this credit card but never received any statements in the mail. I forgot about the charges and never received any more statements. Then XX/XX/XXXX I received the first of many past due letters charging me late fees. When I called I was told that I had changed to paperless statements which I never had and was told I could not change back to paper statements. If I wanted more than XXXX statements I would be charged a fee. After speaking to multiple people month after month and filing a complaint with your office I spoke to XXXX XXXX in the office of the chairman of Citizens bank who said he would handle this matter. That was XX/XX/XXXX. I just called him again today XX/XX/XXXX and he said the matter was turned over to XXXX XXXX and she was now investigating. I also received another past due letter today and finally a paper statement in the amount of {$140.00}. The letter I receive on XX/XX/XXXX said I owed {$73.00} so how did it get to {$140.00}. My credit score had been in the XXXX and now is in the XXXX. I am extremely upset by this as I 've never had a bad credit score and no one at Citizens seems to want to resolve this issue. I just want to pay what I owe and get this over with but since I received nothing for months in the way of statements I do n't know what I owe. Could you please submit another complaint on my behalf so I can get this issue resolved.
Consumer complaint received 2015-10-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (GA)

XX/XX/XXXX Wells Fargo bought my mortgage loan and almost immediately theywould hold my envelops until the payments were late. I was informed that sinceI was late that they would have to put me on a balloon payment. The increasein payments got to the point that I was on the phone all the time trying to workwith them. I was told at one point that if I did n't come up with the money thatthey would put me in the street. Sometime in XX/XX/XXXX a bad storm came throughthe area and lightning hit the home and burned it to the ground. My insurancepaid the amount of the mortgage, but Wells Fargo did n't want the check forXXXX. We were told that they needed a letter from out insurance companyexplaining why we wanted to pay off the mortgage.
Consumer complaint received 2015-07-25
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (IN)

I received a letter from a law firm stating that I was a defendant in a law suit in XXXX XXXX XXXX XXXX, and the debt collector was Asset Acceptance , LLC. Knowing that they had the wrong person, I contacted the law firm. The woman at the law firm determined that the name matched but that it was not my social security number. She said to write a letter to the court explaining that and that they should dismiss it on XXXX, but they filed a motion to proceed on XXXX. The person at the law office said that it was a name match. They somehow have my name and address, but I have NEVER ignored any letter or invoice that I have received in my life. They somehow got my name and address and attached it to the person who owed a debt. I do not who the creditor is. All of this has happened so fast that I am in a bind. The hearing is on XXXX at XXXX. How do I find out who is behind this and how to proceed?? I am XXXX and on a fixed income. I have perfect credit and do not want it or my reputation destroyed.
Consumer complaint received 2015-11-20
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (WI)

Bankruptcy final XX/XX/XXXX, at that point, was not including the home. We never did reaffirm the debt with CitiMortgage. After MANY months of trying to work out a payment arrangement with CitiMortgage, filling out the same paperwork multiple times, sending and having to resend requested paperwork to them multiple times and getting nowhere we decided to give up and let the foreclosure take place. Sheriffs auction was XXXX XXXX and Confirmation of sale was XXXX XXXX. Beginning XXXX XXXX we started receiving Statements from Citi, when I called CitiMortgage they informed me that we still had a mortgage on file with them. So I called their attorney XXXX and inquired with them, and they told me they show it as final that we no longer have a mortgage with Citi, I had to take it up with Citi. In the meantime I received paperwork from Foremost Insurance telling me I need to take out Hazard Insurance on this home, which may I add I no longer own according to CitiMortgage attorney XXXX, and if I do not do so they will get Insurance for me. So I contacted my attorney. When I spoke with him, he informed me that technically the home was discharged in the Bankruptcy because we never reaffirmed the loan. Today, XXXX/XXXX/XXXX, I received a XXXX Form from CitiMortgage for XXXX taxes. Im not sure what our next steps need to be as I am waiting to hear from our attorney used for bankruptcy.
Consumer complaint received 2015-07-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CATHAY BANK (CA)

I opened a student checking account at Cathay Bank. They switched my account to a Personal Checking account with a daily minimum balance of {$1000.00} WITHOUT informing me in writing. The only indication that my bank account type has changed is the {$10.00} maintenance fee on my XXXX monthly statement. While their current website says the student checking account is only valid for XXXX years, it does not say, and I was never informed, that my student checking account would be AUTOMATICALLY AND WITHOUT NOTICE changed into a Personal Checking account with a XXXX monthly maintenance fee. Had they informed me, IN WRITING, I would have closed my account and created a new student checking account, as I am still a student. They later told my power of attorney XXXX PoA XXXX that in order to renew a student account, I had to fly back personally, XXXX, to do so, even though my student status is unchanged. 

When my PoA went to the bank, on XXXX, a teller told her only that the {$10.00} maintenance fee was because my new account type had a minimum balance that we did not meet. To rectify this, my representative wrote a check for {$500.00} to Cathay Bank to satisfy it, since she was only told verbally that there was one. No bank personnel advised my PoA that this was a DAILY minimum balance rather than a monthly minimum, and they failed to give us the relevant Bank Account Disclosures for the new Personal Checking account. 

When my PoA returned to close the account on XXXX with an account representative, she was told that we were charged another {$10.00} in XXXX because we were under the {$1000.00} for a few days, which again, nobody informed us was a DAILY minimum. Had they given me the account disclosure materials, in writing, we would have known that this was a DAILY and not a MONTHLY minimum balance before they charged another {$10.00} in maintenance fees. Consequently, because they deducted the second {$10.00} in fees for XXXX, they informed us that we would see another {$10.00} deducted in XXXX because the new {$10.00} they deducted for XXXX officially put my account below the {$1000.00} daily minimum balance again. 

Had they advised us IN WRITING before changing my account type and then given us the Bank Account Disclosures, I would not have been deducted {$30.00} in maintenance fees due to their negligence. One of the agents at the bank, after some time arguing with my PoA, agreed to consider making an internal note waiving one of the {$10.00} fees but " but we will be charged in XXXX as well. '' The staff at Cathay bank refused to let my PoA close our account, claiming that we had a safety deposit box with them, which is neither here nor there, given that we could have removed the safety box.
Consumer complaint received 2015-10-05
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A. (NJ)

I purchased a home in XX/XX/XXXX with my then husband. We separated and divorced in XX/XX/XXXX. Our divorce was finalized and ex-husband remained in marital home. He was to refinance taking my name off mortgage, He did not do so. He subsequently remarried and has since completed XXXX remodifications with his now wife. They continue to remain in the house nd are currently in their XXXX round of foreclosure notices. I was served a foreclosure notice ... ..he is now letting the home go and has no intention of making any payments. I have never signed a remodification agreement and papers indicate I " inadvertently '' did n't sign. There is an amount of approx {$490000.00} showing on my credit report preventing me from ever moving forward at XXXX yrs old. How and what can I do to resolve this situation. Any assistance will be appreciated. Thank you for any assistance.
Consumer complaint received 2015-10-19
Product: Prepaid card — Government benefit payment card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (NM)

Rush Card ( XXXX ) has had " computer issues '' and I have not had access to my money since XXXX XXXX, 2015. Previous to XXXX XXXX, there were XXXX pending charges on my account that were incorrect and making my available balance less than it should be. Since XXXX XXXX, because my Rush Card and XXXX accounts are linked, I have also had chargebacks debited through my XXXX account that are also held against my Rush Card account. In addition, I have also had a credit issued to my Rush Card account that I ca n't access. I have been unable to buy groceries and have had to cancel an appointment with my doctor because I have no access to my funds. As of today, XXXX XXXX, Rush Card 's system is still " down '', with no relief in sight. Customer service reps at the company can only say that when the service is restored, they will " call '' me. I have received no offers of recompense, or any assurances that I will ever be able to access my rightful monies again. They have, however, sent a text message graciously offering to " waive '' my account processing fee of $ XXXX/mo. for 4 months beginning in XXXX, 2015. As if, I would entrust them with my money again! Which brings up the problem of direct deposit : I had to contact XXXX to change the way to disburse my XXXX XXXX payment. Social Security now requires that one know the current account and routing numbers to change the disbursement arrangement. Since even the Rush Card customer service reps can not access such basic customer account records, I had to present myself and my ID at a local Social Security office. Since I am XXXX and can not drive, this was a major, and costly, endeavor. I shall receive my only source of income on XXXX XXXX, but until then, I have no access to any money due to Rush Card 's incompetence and negligence.
Consumer complaint received 2015-08-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (IN)

I recently completed a short sale of my previous home. I had XXXX mortgages on the property. The primary mortgage was completely paid off and the second mortgage received a portion of the remaining balance. I thought the sale went through appropriately and we coordinated with the lenders to make sure they would accept the terms. After the sale everything appeared to be processed correctly ; however, I was recently notified that the second mortgage lender ( Citibank ) is suing me for the remaining balance. This is extremely upsetting because prior to the sale Citibank provided a letter stating they were accepting of the terms and waives their right to pursue deficiency judgement against me. I am now in shock and nervous about what to do. I thought we did everything per the book and now I 'm in this mess. Any help would be appreciated!
Consumer complaint received 2015-10-19
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC (LA)

I have been waiting since XXXX XXXX to access my money and my card is not reflecting the correct balance. I have made over a dozen attempts to get this corrected and no one helps me. This is dealing with Rushcard. I am very fed up. No one wants to help nor compensate me for the hardship this ha caused me while on vacation. They wont tell us what happened just continues to make excuses. You can also check there XXXX page lots of angry customers.
Consumer complaint received 2015-07-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

I am resubmitting a complaint to chexsystems because in their response they refused to remove the fraudulent inquiries that have appeared on my chexsystems file due to my police report date not being close to the new fraudulent inquiries. I have filed another police report listing XXXX and XXXX. I have not received the letter they stated they sent with the new report. I have yet to see what is on my Chexsystems file but the only inquiries that should be listed are XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Any other inquiry on my file is fraudulent. I also never requested for a fraud alert on my XXXX file. They mentioned that I can dispute through them XXXX to remove the fraud alert on my consumer risk file XXXX.
Consumer complaint received 2015-10-18
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Reliable Credit Association, Inc. (WA)

Approximately XX/XX/XXXX, I returned a vehicle to Reliable Credit due to the unsafe condition of the vehicle. The vehicle had a broken sway bar which prevents over response. or top heaviness when entering a curve while driving. Reliable Credit accepted the voluntary surrender of their vehicle and agreed stated they would contact me once the vehicle had been resold and payment arrangements between my self and Reliable Credit would be discussed. 
Approximately three months later, I called Reliable Credit to inquire of the status of the vehicle. It was then that I was informed they had sold the vehicle XXXX and the account had been sent out to collections to XXXX XXXX XXXX, ( in my opinion, an ambulance chaser attorney ). I received no calls as they had agreed, have no idea of what the lemon was sold for, and was told I owe in access of {$5000.00}
Consumer complaint received 2015-07-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (NY)

XXXX XXXX XXXX XXXX Company wrongfully overcharged me. I cancelled the policy and filed a complaint with the New York Department XXXX XXXX XXXX which is conducting an investigation. Due to the fact that I cancelled the policy, XXXX refuses to correct its error as a harassment tactic. It has hired Credit Collection Services ( CCS ) to harass me to pay money it knows I do n't owe. CCS has been informed that I dispute this alleged debt, but continues to harass me in violation of the Fair Credit Reporting Act.
Consumer complaint received 2015-09-30
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC (HI)

I receive phone calls from Dynamic recovery solutions LLC daily on both my home phone and my cell phone. When I have answered the phone and interacted with them they have told me they are a debt collection agency attempting to collect a debt. I track my credit report closely and monitor it due to being in the military and having a clearance. Every time I have talked to them they have tried to tell me they are attempting to collect a debt for a credit card that I never had for an exuberant amount. Most recently they told me that I owed XXXX dollars on a XXXX XXXX XXXX credit card that was opened in XX/XX/XXXX. The earliest XXXX XXXX XXXX card I ever opened was in XX/XX/XXXX and I just closed the card last month paid on time and satisfactory. Dynamic Recovery Solutions refuses to remove me from their phone list and when I tell them they are violating Federal Collection laws, they hang up on me. The phone number I have recently been receiving the calls from is a California area code, even though their company address shows in North Carolina. XXXX
Consumer complaint received 2015-04-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

I submitted a short sale on my property a few months ago to my mortgage servicer Wells Fargo. Wells Fargo countered the offer 5 weeks ago, the buyers countered back. The offer is almost the appraised value, off by maybe {$2000.00}. Wells Fargo will not reply now to phone calls or emails. Its been nearly 4 weeks with no reply.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2015-06-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NY)

To whom it may concern, My Name is XXXX XXXX XXXX Social Security SS # XXXX DOB # XX/XX/XXXXSeveral years ago my dad went through Hardship and was required to declare bankruptcy. He went through the process and paid his dues and fulfilled his obligations. 

Now to my surprise we pulled my credit to get a car and all HIS Judgments and collections are showing up. His name is XXXX XXXX SS # XXXX DOB XX/XX/XXXX. Our shared address is XXXX XXXX XXXX, XXXX XXXX NY XXXXThat would make me XXXX years old at the time of occurrence!!!! I have been disputing this will all XXXX credit bureaus, and they keep verifying it as MINE. Its preposterous!! Just look at my DOB and its obvious it 's a mistake. I am frustrated that his misdeeds have affected me. They are affecting my ability to get sudent loans/credit cards and have a future. I beg you, please investigate and clear up this mess. 
I have attached XXXX mine and his ID 's and a credit report
Consumer complaint received 2015-08-27
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: Social Finance, Inc. (NY)

A very large company XXXX SoFi XXXX that refinances student loans is undoubtedly engaged in deceptive and predatory lending practices. I know this because I used them to refinance my student loans recently. They advertise interest rates that would clearly be interpreted by any reasonable person as annualized rates and even call the interest rates " Annual Percentage Rates '' in the loan documents but they actually compound this rate on a daily basis, making the effective annualized rate significantly higher than that which is being advertised. I carefully reviewed the loan documents I received and only in one place, buried deep in the disclosure, does it say interest is accrued on a daily basis, and even that description is confusing because it fails to disclose that the actual interest rate a borrower will pay on an annual basis is higher than the " Annual Percentage Rate '' because of the daily compounding of interest ( which I think is a very material omission ). I genuinely believe SoFi is secretly robbing indebted students of XXXX dollars PER STUDENT by engaging in these predatory tactics and I believe action needs to be taken against them immediately. SoFi includes a well-crafted arbitration clause in their loan documents and the clause prohibits class arbitration, which effectively prevents any borrower from bringing a claim against them. I would be happy to represent myself against them, and luckily the agreement states each party pays its own legal expenses unless a claim is frivolous, but the fees of the arbitrators would quickly dwarf the amount at issue in my individual case, WHICH IS WHY I NEED YOUR HELP. You are the only available remedy for these kinds of shameful, predatory tactics. SoFi is a HUGE ORGANIZATION and the effect of taking action against them would benefit XXXX students. You have the ability to do a lot of good here ; please do n't just let it pass you by. This is wrong, legally and morally, and you should do something about it. If you agree to pay my share of the arbitrators ' fees I would be happy to take up this cause myself and set a precedent against them ( though decisions in arbitration are n't binding, it would still look very very bad for them and may encourage changes to their practices ) but I am not going out of pocket XXXX dollars more than I already am out of pocket because of these shady practices ; I really ca n't afford that.
Consumer complaint received 2015-10-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Regional Management Corporation (TX)

XXXXRegional Finance ( RF ) is placing a " Forced Placed Insurance ( FPI ) '' charge on XXXX XXXX customers, including myself, according to XXXX the total XXXX employees that I spoke with. Basically, I had liability & uninsured motorist insurance on the car from day one. I was hit with this ( FPI ) in the sum of {$1800.00}, which was broken down into payments. FYI - XXXX person told me monthly, another person told me quarterly. They began charging me from XXXX forward. After getting in contact with me in XXXX, I upgrade my policy to full coverage as of XXXX XXXX, 2015. Regional Finance 's out source company XXXX, credited Regional Finance back {$780.00}. Regional Finance however is still charging me $ XXXX. even though I am in compliance with full coverage insurance. In a follow up conversation with Regional Finance, after talking with XXXX, a new number and explanation was submitted that still does not make sense. According to a supervising representative of the company, XXXX charged them {$1700.00}, plus XXXX XXXX XXXX applied a one-time interest fee of {$150.00}. The {$1700.00} was supposed to be applied for XXXX. According the supervisor, the {$780.00} credit was against the {$1700.00}, leaving a balance of {$920.00}. XXXX, Regional Finance and I have spent most of XXXX/XXXX/15 on the phone back and forth to understand and receive a satisfactory explanation. I do not understand why I am being charged for 12 months when the lapse time covered XXXX mos. 
I am currently paying MY full coverage and the XXXX that added to my account. I have no problem paying for the covered months but if they have been reimbursed why am I being forced to pay for 12 months. Again, even the multiple employees that I spoke with could not make sense of this. I am asking the BCFP to investigate these insurance companies for these types of practices. 
I believe this is a bad and unfair business practice financially effecting millions of Americans.