davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-06
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

In XX/XX/XXXX I took a title loan for {$2000.00} with Loanmart through a Payday store. I paid $ 220.00+ a month for three years. On XX/XX/XXXX I made my last payment to them. It was hopeless my balance was $ 5000.00+. The vehicle is a XXXX van. The vehicle has not been registered since XXXX no insurance. It has been sitting for six years. I contacted Loanmart two years ago and was told they do n't want the vehicle and if I do n't have any money to pay them there is nothing to discuss! Recently I 've been searching on what I can do, I ca n't leave the vehicle parked any longer. For the last year I 've been receiving email as advertisement from Loanmart in my spam folder which are settlement offers. I received XXXX in my inbox a few weeks ago advertising 30 % off, now I do n't know if that is off the payoff {$5000.00} the principal {$1700.00}, interest bal {$3200.00}. I 'm working through XXXX, but I 'm getting no where. I 've been emailing them for a solution and over and over they would n't tell me unless I called them. Ill not speak to them from prior phone conversations I get to upset. So finally I wrote a letter not so nice and finally got a answer from the supervisor with an offer for {$1200.00} XXXX lump sum. That 's the 30 % off offer. I 'm now a senior citizen on Social security and do n't have {$1200.00} more money to give them for what? The vehicle is broken, no tires, cracked Windows, check engine light on, transmission something is wrong. It has n't been started for 6years. XXXX is {$2000.00} in good condition, so why would I give them {$1200.00}? I do n't understand. They have n't contacted me since my last payment in XXXX, only the spam emails. In XXXX they continue to charge monthly {$200.00} + {$10.00} late fee until XXXX on XXXX they stopped late charges, XXXX, XXXX, XXXX, XXXX, XXXX they charged me anywhere from {$44.00} to {$59.00} a month for five years! I do n't know what that charge is? I do n't know what to do at this point. Ill not give them another XXXX, they wo n't give me the title. I 'm in collections for a write off! The vehicle sits! When I took the loan none of any of this was explained. It seemed like a normal loan, but the balance owing was growing faster then my payments. I have paid them over {$6000.00}. One of the big reasons I quit paying and did n't pay the registration was they told me they were going to repo the vehicle. They never came ... What can I do with the vehicle, I would like to try and fix it because I do n't have a car now. But, if they want to keep the title they need to come get their vehicle. It ca n't sit any longer! I would appreciate any advice you can offer me or help settling this horrible mistake I 've made. I 've documents if you need them. Thank You
Consumer complaint received 2015-10-14
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (FL)

I have had a loan with Suntrust Bank for about XXXX tears at least. My principal never seems to go down. I have been watching it very closely for this year. I have another mortgage, and calculate correctly to within XXXX cents of principal and interest on each payment so I know its not me. But with Suntrust I am always off between $ XXXX {$30.00} per month. I have talked to them every month about this, and cant seem to get a straight answer. even when the branch does the math with me they come up with what I come up with, and the send in a ticket to have it fixed, but it never happens. Example. A payment was made XXXX XXXX, 2015, of {$300.00}, $ XXXXwas principal, {$200.00} interest. loan bal was {$29000.00} and rate is 7.840 apr. Next payment was made XXXX XXXX, 2015 for {$300.00}. their break down is {$110.00} principal and {$180.00} interest, bal is {$29.00}, XXXX. Next payment made is XXXX XXXX, 2015 of {$300.00}. this entire payment went to interest and balance due {$29.00}, XXXX. I do n't know how this could be? And they can not explain it. I make my payment early. over pay the payment amount. There are months that I pay in XXXX days and it seems that i get charged for XXXX days anyway. I dont know whats going on with them and I need help. They just do not make sense. I have XXXX loans with different rates, different balances, and when i do the per day cost, and add it up, i 'm on the money every time, but suntrust i am way off from what the come up with, and i never can get a reason.
Consumer complaint received 2016-05-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (MA)

About XXXX years ago I attended a trade school which was called XXXX at the time ( very loosely affiliated with XXXX University, a very reputable university located in XXXX, MA ). This XXXX changed names until it closed permanently and suddenly under the name XXXX XXXX XXXX in XXXX 2013. The amount of the total fees were not disclosed to me but the only way I was told I could pay for it was a private loan from XXXX XXXX. I had to drop out of the program near the completion date due to the fact that XXXX XXXX refused to loan me any more money ( which was {$45000.00} when the loans were first taken out ) but later obtained the XXXX due to transferring in a university class. Unfortunately, the XXXX was useless in obtaining work so I had to attend XXXX classes through a XXXX university and put the private loan in deferment for a period of several years because I could not afford the roughly {$500.00} payments when the loan became due, I was only able to start making regular ( but reduced payments due to my income ) payments once I received my XXXX, which was financed by SEPARATE federal loans. The loan has been consolidated and changed servicers twice in the last 8 years, and now it is nearly {$80000.00} and I am paying a for a useless education from a school that no longer exists. Please explain how a loan can nearly double in less than 10 years? Help!
Consumer complaint received 2016-10-05
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (CA)

Hello, I submitted a refinancing application to Quicken Loans for XXXX of our XXXX homes in order to pay down some unexpected debts. My loan application was approved pending an appraisal of the property. After sending all the documentations to Quicken Loans. I was asked to provide many years of tax information going back to XXXX and I did that. Finally, they came back saying that they ca n't move forward, because appraiser could n't find a comp for the property ; which seems odd, because there are several rented properties in XXXX mils radius of our home. I asked for a copy of the appraiser 's report and they indicated that there was no appraisal and therefore I asked for a refund of my {$500.00} appraisal fee back and an explanation of the process. I have not received neither as of this morning. All they have said is that the appraiser could n't find a Comp. Our rental agent has several properties that he is managing in that area. I understand the separation of broker and appraiser as a result of changed policies after the crash of XXXX ; however, there is clearly a problem with this process because there are available Comps for our property. It seems to me the Quicken Loans did n't want to move forward with this loan and I can accept that. It 's the reason that they are providing that is troubling for me. I have shared this reasoning with several realtors and none of them have heard this reasoning before.
Consumer complaint received 2015-06-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

We had an XXXX loan on our house. The 20 % loan, XXXX mortgage, was with BOA, Bank Of America. It was for a term of 10 years, but I wanted to accelerate the payments since it was such a small monthly payment. Every month I would pay XXXX to XXXX times the monthly payment expecting that they would apply the excess to principal. No, they DID NOT apply the excess to principal, they applied it to the coming payments. IE if I had made triple payments in XXXX, I would n't have had another due until XXXX. I called them, told them this was incorrect and their response was, " fine, we 'll fix this. Please write FOR PRINCIPAL ONLY '' on all payments in excess of your original amount. Fine, lesson learned. The next month I wrote XXXX checks, XXXX for the amount of the XXXX mortgage and XXXX clearly marked PRINCIPAL ONLY for XXXX times the mortgage amount. The same thing happened, they applied it to the coming months payments. I again contacted them and was told that it would be taken care of. Well, this time they took three months of payments out and applied this to principal, thus putting me late for the current month 's payment. At the end of XXXX years I had a ream of notes and NO patience left with BOA. they had " misapplied '' every XXXX OVERPAYMENT on my part to their benefit. If they did this with my payments I know they were doing the same thing with everyone else 's thus resulting in some heavy interest on their side. After two or three years of constantly fighting with them about this issue, and NEVER being able to reach the same person to fix it, I told my husband that we had to pay it off in full or I was going to have a breakdown. We did pay it and I was so happy ... until we refinanced and our primary loan was sold to BOA. It seems that the " misapplication '' of funds has stopped ( I still pay more than the original loan so that the principal can be paid in an accelerated fashion ) but I check every month because I ca n't trust them to do the right thing. I hate BOA from the depths of my soul and if I had my way there would be many bankers in jail.
Consumer complaint received 2016-08-24
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (MD)

Two issues XXXX 1. PNC Bank has a policy where if a customer has his or her credit card attached to a checking account, and the checking account is over drawn then PNC will transfer the minimum of {$50.00} dollars to the over drawn account. However, PNC only allows a payment to be made up to XXXX, which means in almost all cases, a payroll deposit that comes through at midnight, will almost always be too late to cover the amount over drawn, thereby allowing PNC Bank to charge a minimum {$10.00} or a percentage ( which ever is greater ) over draft or transfer fee. 
2. PNC Bank notifies the account holder after the over over draft or transfer fee has occurred, which does not allow a payment to be made prior to the fee being charged. 

I believe PNC Bank deliberately set the time to pay an over drawn account at XXXX, to prevent account holders with payroll deposits from being able to place the over drawn funds back into their account before the fee is charged. I also believe PNC Bank deliberately notifies their customers after the fact to ensure that they can charge the overdraft fee. 

I did speak with PNC Bank regarding this matter and they response is that I should keep a positive bank account.
Consumer complaint received 2016-07-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (WI)

I have had a mortgage with Citimortgage for the last several years. Subsequently, my home fell underwater, and subject to foreclosure. I tried several avenues of resolution with Citimortgage but to no avail, forcing me into bankruptcy in an effort to keep my home. I was made aware of a settlement based on a news report on XXXX somewhere around XX/XX/XXXX or XX/XX/XXXX. 
Upon the resolution of the Homeowners Settlement with the federal government naming Citimortgage as one of the defendants, Citimortgage transferred my mortgage to XXXX Mortgage A Division of XXXX XXXX. During my time with Citimortge I continued to try to work with Citimortgage asking about said settlement, and how I can apply for it. My Homeowners Support Specialist of Citimortgage was XXXX XXXX XXXX during this time. I also asked several times to have my mortgage refinanced, or some help with the modification that never lowered my principal. They awarded me a modification at one time, That significantly had me owing much more than what the home was worth, further increasing my debt, and severly sinking my mortgage underwater. On XXXX XXXX, XXXX, I obtained information regarding the settlement from the Consumer Protection & Anti-Trust Unit Department of Justice in Wisconsin outlining the requirements for eligibility and I found that I am eligible. 
I contacted Citi mortgage on XXXX/XXXX/XXXX and spoke with a XXXX, id. no. XXXX who stated she would not be able to give me any information with regard to the settlement because my mortgage is now with XXXX XXXX. I asked for a supervisor and after holding for XXXX minutes was told I could not speak with a supevisor, and that she spoke with a supervisor and the supervisor suggested I speak with XXXX XXXX. I asked, why would XXXX XXXX be concerned with Citimorgage 's settlement, they have nothing to do with it, and could I please speak with a supervisor. She stated I would not be able to speak with a supervisor because they do n't have my file and I should seek answers with XXXX Bank. Needless to say I called XXXX, who only referred me back to Citibank, stating they do n't have anythig to do with Citibanks/Citimortgage 's settlement, and Citi should have discussed this with me. After another round of calling Citibank and being thrown into a vicious cycle, it became clear that I was being handled improperly, and possibly a federal law had been broken. The help or assistance that was designed for people like me was in essence was denied me. My complaint is that Citibank/Citimortgage has and is denying me my right to that assistance and have cost me greatly in trying to keep my home.
Consumer complaint received 2017-04-04
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: TH Professional & Medical Collections LTD (IL)

Called my work number. When I told them that they were not to call the main number of work or call me at work, they told me that they could call anytime to verify employment because they were going to file a suit against me for XXXX. I asked them why they were filing a suit if I was giving them my hsa card information for payment. They said I had given them my debit card and it did n't go through, and I told them it got eaten by the ATM, which it did and I was waiting for a new card. Then she proceeded to say she had to have the XXXX by XX/XX/XXXX but then " spoke to her supervisor '' and could postpone it a week. Ridiculous!
Consumer complaint received 2016-05-20
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (WI)

I purchased cruise from XXXX on XXXX XXXX, after logging in to CiTi 's Cash Bonus Center and did everything as CiTi recommends, that is first I logged in to CiTi 's Bonus Cash Center and then clicked link to XXXX web site where I signed into my XXXX 's account. All this time, CiTi 's Bonus Cash Center web page was open as required for getting XXXX % bonus points. XXXX website required to call them to get some awards for the cruise. I called and worked with XXXX 's cruise salesperson who told me repeatedly when asked that paying on phone while you are on XXXX site linked from the CiTi Bonus cash center is the same as paying on line. 
CiTi refused to pay bonus points of XXXX % and refused my appeal on the grounds that I did not make purchase on line but on phone and what a third party ( XXXX ) who is their partner in their marketing and advertising and promotion does NOT matter and is irrelevant here. To me, if you partner with someone, you have joint responsibilities to honor your commitments. 
It seems to me that CiTi is looking for a loophole or some technicality to refuse to pay when I am out of significant amount of cash. 
XXXX
Consumer complaint received 2016-02-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (MI)

A XXXX representative had been sending me information to sign up for their service. I called to do so. They scheduled the appointment to come on a Saturday. On Friday I got a call from their collections department that They were not coming because they claimed I owed them {$760.00} for a residence that I had never lived at. I explained to them that it was fraud. They told me that I needed to fill out an affidavit, to check my credit report, and file a police report. I did all of that. I called back asking them when they were coming and they still said I owed them money even though it was fraud. A month later I applied for a loan and XXXX was showing on my credit report as a collection account sold to a third party ( Diversified Consultants ). This caused my credit to drop XXXX points! 
XXXX used my personal information from a fraud affidavit to enter a debt on my credit report that I told them was fraud. XXXX installs services without requesting ID, when they found out it was fraud they still attempted to collect from me and hurt my credit in the process.
Consumer complaint received 2024-10-31
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company (WA)

About 2 year ago my father passed away and I assumed the loan for his house and was making the payments.

~6 months ago I lost access to my online banking as this was my primary way to pay my mortgage.

When I Called I was told that the people who have assumed loans across the company have lost access to their account and was told to wait a couple weeks for them to resolve the issue. I have been calling almost every month for updates and continue to get told different things.

The last two months I have called I have been met with incredibly rude faculty and was just recently told that it is a known freedom mortgage company policy that anyone who has assumed a loan will NEVER get access to their online account due to a security issue. 

There has been no policy published that shows this is accurate and I was told while assuming the loan that I would have full access.
Consumer complaint received 2017-01-11
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (AL)

I am contacting your agency because I need your help in disputing some charges done on my Citi XXXX XXXX XXXX by some fraudulent companies. I have paid several companies thousands of dollars for various online business related and have found myself as a victim of a professionally orchestrated scam. After I paid XXXX company my phone got inundated with calls from these companies offering me their services. I would like you to investigate all charges done on my Citi card by the companies : XXXX XXXX, XXXX XXXX and XXXX charged last year between XX/XX/XXXX and now XX/XX/XXXX. I realized I paid thousands of dollars for these companies. I have been lied to and charged for services that have not been provided as promised. They have used false and misleading tactics and it is clear that they never intended to fulfill their end of the deal. I tried to resolve directly with them and get my refund but they ignored my requests.
Consumer complaint received 2016-09-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XXXX XXXX I checked my credit report and all inquires were deleted. As of XXXX XXXX I checked back and now they 're replaced back on my credit report which has brought score down significantly.
Consumer complaint received 2015-03-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (MN)

My letter to MCM - Midland Credit Management , Inc. : MCM - Midland Credit Management , Inc. XX/XX/XXXXTo whom it may concern, I have been receiving these types of letters since last year XX/XX/XXXX. I have also spoken to XXXX different representatives on your end in regards to this. The XXXX times that I have called XXXX representatives were unable to provide information but the following:1. The account was opened in XX/XX/XXXX ( I was only XXXX ). 
2. The account name is " Structure ''. ( What is " Structure ''? NOBODY can explain to me what " Structure '' is? ). 

My thoughts, concerns and question is WHY after 11 years was this being brought to my attention in XX/XX/XXXX? Why ca n't anyone from MCM tell me what this account/credit/ '' Structure '' was for/is? 
I have XXXX DEBT under my name. I have ran my credit reports yearly and most recently back in XX/XX/XXXX and have never seen any of this? 

If MCM and nobody on the business end can provide me with any of the following information to explain to me who, what, when this account was and what it was? I wish that MCM make no more contact or communication with me and wish to please be forgiven of this mysterious " debt '' I owe in the amount of {$990.00}. I have done all that I can do by receiving these letters, following up with MCM and I get the same run around with no answers to my questions and especially this " debt '' going on 11 years now. 

Again I am asking you to please forgive me of the above debt. This has been a hassle for the last year on my end. Nobody can provide me with any type of paperwork, documentation, signature or what " Structure '' is? 

Until further notice please do not contact me via mail or phone. 

I thank you kindly for your time and patience in regards to receiving and reading this letter!
Consumer complaint received 2015-08-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC (NJ)

I received a letter from Fay Servicing , LLC dated XXXX XXXX, 2015 that my mortgage loan was sold, transferred or assigned to a new creditor, XXXX XXXX XXXX. The date the loan was sold to the new creditor was XXXX XXXX, 2015. This is the third time my mortgage loan has been sold right before finalization of my deed in lieu of foreclosure resulting in multiple unsuccessful attempts to complete the foreclosure process. Not only is this frustrating, but I was not given the appropriate notice about the creditor change. I should have been given no less than 15 days notice before the effective date of the transfer.
Consumer complaint received 2015-10-26
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (NM)

I was making a XXXX Airline reservation, when I was offered a credit card that showed the cost of the ticket would be {$100.00} less, if I applied and was accepted. I applied for the card, was accepted and notified that I could use it to make purchases right away. Went back to the reservation web site and indeed the cost of the ticket was {$100.00} less. BUT, timed out during the process. Now I am not able to receive the {$100.00} discount on the ticket. I have been told several different stories regarding this issue. I was told to use the card I will receive the credit. I tried this and card would not work. I was told by Citi that getting timed out happens and the credit card company can work with AA to get it fixed to make purchase. Finally, I was told I can not use the card for 7 days until it is activated and they can not cancel it until it is activated. Bottom line, this was false advertising, the reason for my getting the card I am not able to take advantage of. I have spent many hours over 3 days with no resolution.