davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-04
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

unfortunately due to family circumstances ( tragedy, emotional XXXX ) I inadvertently forgot to cancel auto renew with XXXX on an XXXX XXXX card - XXXX refused to even consider a proration and XXXX XXXX via XXXX will no longer assist former XXXX customers amount in dispute {$170.00} - advise CFPB to demand XXXX cease and desist
Consumer complaint received 2020-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX DOB : XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX/XXXX  Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX Enclosures Identity Theft Report Proof of identity : Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]
Consumer complaint received 2017-03-09
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (CA)

Macy 's has adopted a " minimum interest charge '' of $ XXXX/month - regardless of the balance due at the time interest is calculated. If the balance due is {$0.00}, for instance, the {$2.00} minimum would reflect a??? insane rate of interest. Does n't seem fair.
Consumer complaint received 2015-11-26
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: Lennar Financial Services, LLC (TX)

I submitted Earnest monies to North American Title. I filed contract for " Return of Earnest Monies '', from the Seller of XXXX XXXX XXXX XXXX XXXX Texas XXXX. Seller and Realtor had no issues with signing contracts and returning calls to my realtor. Now I have decided against buying the home because lies were placed on the sellers and seller does not want to work with me regarding the roof damage. Now it has been close to a month and the North American Title has not returned Earnest Monies. TitleCompany states can not get in contact with seller. I can bet you that house is still on the market and seller/ Realtor has no problems contacting new prospective buyers. North American Title is intentionally delaying process of returning my monies. Two weeks ago I was told I would get a return call from North American Title regarding my earnest. Did not hear from North American Title. The Sellers agent is lying or the Title Company is lying. Lets see what the Title Company tell you the CFPB in writing under a Federal investigation
Consumer complaint received 2015-10-07
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (TX)

My name is XXXX XXXX and am writing this letter to advise you that I had a mortgage loan with wells fargo. I had been trying for some time to try and work out a loan modification to get caught up on my delinquent loan and bring it current and start making payments. We had gotten approved for a loan modification in XXXX of XXXX and received a package that we notorized and sent back XXXX XXXX, XXXX, Wells fargo advised us on XXXX XXXX, XXXX that they had not received the loan modification paperwork and closed the file out voiding the loan modification they had qualified us for. The next day that we contacted wells fargo, they had notified us that they had just received the signed and notorized loan modification paperwork, but that is was too late to honor the agreement since they had not gotten it on time. we appealed their decision and re-appealed it, yet our request went on deaf ears. We reapplied again for a loan modification, but had a difficult time trying to get the file to underwriting since wells fargo was always requesting information that we sent to them numerous times. 
This went on till XXXX XXXX, XXXX when the were not willing to stop the sale of my home and sold it to foreclosure. Let me mention that we had applied right after the loan modification they had offered us was denied with the same information that we had previously been qualified with, but wells fargo turned us down, because we did n't qualify, yet it was the same information we had previously applied with and been qualified with??? I 'm asking that your organization please intervene and ask wells fargo why our numerous request since XXXX of XXXX went on deaf ears. They never were willing to work with us since that time? I may be contacted at XXXX or XXXX. All I was asking from wells fargo was a fair shake and I felt they never gave us that since XXXX of XXXX. My husband XXXX XXXX passed away in XXXX of XXXX and when we had re-applied in late XXXX of XXXX for a loan modification wells fargo informed us that nothing had changed since their last review in XXXX of XXXX so they were no able to offer us any loan modification workout. I was taken back with this response since my husband had died in XXXX and I faxed them the death certificate proving he had passed. I tried again on XXXX XXXX, XXXX and was told to fax in all the required information again the very next day I was told that the file had been closed, because again nothing had changed since the review of XXXX XXXX and I had exhausted all my loan modification options.
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX # XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-03-09
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Mitchell Rubenstein & Associates, P.C. (VA)

The debt collector is NOT responding via mail to my efforts to discuss debts. A lawsuit was filed against me at a property I do not live in, after they were notified of my correct address. Ultimately a judgement was made, once again, without using any correct address. Not even the court used the correct address.. Now, in an attempt to discuss the debt, I find myself on perpetual hold with the companies phone-bank and after emailing and faxing them my correct address, I receive no mailed responses of any kind and no return phone calls when I 'm able to speak..
Consumer complaint received 2016-12-02
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (NC)

Citibank removed all my points from my Thank You Rewards account. I earned points through multiple Citi Fwd credit cards, as they changed numbers throughout the years. 
I tried logging in to my account, but my login was denied. I then called Citibank, talked to supervisor XXXX, who is based in Kentucky with ID XXXX. He told me my account was closed and it was " inactive '', claimed Citibank " sent a letter '' saying my account would be closed, but was not able to say when the letter was sent nor had a way to track it. I told him I never received a letter or email or call or anything. 
He then offered to credit my account " in XXXX points, which is about half of the points ''. I rejected the " offer '', telling him that by accepting it I would be in line with Citibank 's actions, which I 'm clearly not. I told him I wanted nothing more, nothing less than the points I 'm entitled, which I earned by spending money on the card since 2009. 
There are at least a couple of cards that earned credits, ending in XXXX and XXXX.
Consumer complaint received 2016-07-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I opened a Citigold account on XXXX/XXXX/16 online using promotional offer code XXXX. The promotional code promised XXXX XXXX XXXX XXXX miles after all requirements for the promotion were met. I met all requirements in XXXX 2016 and emailed Citi on XXXX/XXXX/2016 to confirm my eligibility and that I have met all requirements. A Citi representative replied on XXXX/XXXX/2016, confirmed that I had indeed satisfied all terms of this promotion and stated that I would receive XXXX XXXX miles no later than XXXX/XXXX/2016. On XXXX/XXXX/2016, I emailed Citi again to ask where the miles were. They opened an investigation to verify my bonus eligibility and promised to have an answer in XXXX7 business days. I made XXXX additional follow up emails to Citi on XXXX/XXXX/2016 and XXXX/XXXX/2016 with still no resolution on when my bonus miles would post. As of this complaint I have yet to hear back regarding this inquiry and have not received my bonus miles. I was told that they were still researching the issue and would let me know soon. During this time, I 've been charged $ XXXX monthly service fee as the account must remain open and in good standing to receive bonus miles. I would greatly appreciate your assistance in resolving this inquiry.
Consumer complaint received 2016-11-01
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: CITIBANK, N.A. (CO)

I first consolidated my XXXX loans in XX/XX/XXXX, Citi bank bought the loans and I was currently enrolled in another school at the time, so the loans were in deferment for many years. Anytime I was not in school I did make payments, however once I completed my XXXX and was out of work, I put the loans in forebearance ... .or so i thought. I tried numerous attempts to make arrangements with Citi bank to cure my defaulted account, then finally gave up. Now they are over {$24000.00} and in collections- I just got the letter today XXXX/XXXX/XXXX. The wo n't work with you on anything. It 's either all or nothing. You are at their mercy.
Consumer complaint received 2015-07-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Focus Holding Company (KY)

I contacted Focus Receivables Management, the collection agency used by XXXX. The amount of the debt was {$630.00} originally. I was able to settle with Focus Receivables Management for {$500.00}. I paid the settlement and was told the collection would be taken off my credit report. It has not only not been taken off my report, but has also not been updated to a paid status.
Consumer complaint received 2023-04-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

I have been trying to set up bi-Monthly payments with them, however, they are not affording me the opportunity todo so. I requested an email to print out the form to sign, since they claim that legally, they have to.. even though I can call them at any time and make a payment over the phone. Never got the email, so I had them mail it, never reviewed it in the mail. After several calls, I finally got the supervisor on the phone and they sent me an email. However, after clicking g the link in the email, a message popped up that I did not have permission to view the document. 
If I set up these payments, they wont make as much money in interest in the long term. So, I believe what is going on has to be illegal. If I manually do the payments myself, they will hold the first one till they receive the second, so I accomplish nothing. I have never had this issue before with any other mortgage company. I am being misled constantly on this matter by them and I hope I can get this resolved.
Consumer complaint received 2016-10-31
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Has taken a legal order fee from my personal Checking account without prior notice or notification. No mail or call or email. There is no proof to me they have any letter to do this. I 've asked in person and over the phone for a copy of such letter and they respond with " We will mail you a copy '' but they never do. 

This is not the first time they do this and all the other times I had to call and bug everybody to get it back. It is exhausting. They wo n't even instruct me on what 's the next step ( call who ever requested the legal order on my account, asked them to give you a letter to reverse this, etc ), nothing. 

I 've called the Wells Fargo franchise and then the legal department and they say they ca n't reverse it because it 's an order and they have to take money but what is so convenient for them is that they only take their {$120.00} dlls fee. Nothing more no other moneys just their fees. On a printscreen Im including youll see it does n't explain and it only says : " LEGAL ORDER FEE DEBIT CASE # XXXX ''. 

After I asked why, and who, I ask why are n't they notifying prior to taking the money ; are they looking to overdraft my account with their fraudulent takings? YES, it 's a fraudulent act when they do it without prior notice and I 've told them that. I asked them to reverse the transaction and to return my money till they notify me properly. They declined. 

I am requesting my money back to my account and I want to close my account with them.
Consumer complaint received 2015-05-13
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (CA)

XXXX XXXX cancelled my flight hours before departure and the insurance on my Citicard, who always claimed to cover me in anything travel related, did only cover XXXX of the claim, with excuses that are ridiculous. Nobody cares. 
I had to run and get another ticket with another airline and they said they would cover any extra charges just to get me out of the way.
Consumer complaint received 2015-12-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I was denied a loan modification from Wells Fargo in XXXX of 2015 because they supposedly reviewed my application and said that they could not modify my monthly payment to anything lower than I was currently paying. Since I ca n't afford my current monthly payment they told me there was NO WAY they could qualify me for a modification XXXX XXXX or and IN-HOUSE modification. I went on the XXXX website for XXXX and althouth I know this is not official, I qualified for a {$500.00} reduction in my overall monthly payment.
Consumer complaint received 2016-12-16
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (TX)

I recently completed a refinance with Wells Fargo. I regret this decision greatly, but so deep into the process I was afraid to back out and start over with a new company. I was not sure of the ramifications it may do to my credit. The entire process took over 3 months to complete. XXXX Normal mortgage processing time is XXXX days XXXX. In the meantime I was mis-communicated to or under communicated to. ( At XXXX point I went a month with no response on the status. ) I was lied to from the beginning with promises that were not granted at the end. Now, they will not respond to me at all. Papers are signed, they got paid so now they do not care. The level of customer service I received was horrid to say the least. Now that I have been discussing this on social media I am horrified by the number of responses I have received telling of thier poor experience with Wells Fargo. I want consumers to be aware that this company does not have your best interest at heart. Of course banking institutions as any business must make money but Wells Fargo crosses the line. They are not there to help, will not answer questions and seem to be poorly trained. At XXXX point I had to seek out a manager and she was just as bad. No follow up, no apology, no explanation. 
They charged much larger fees than other mortgage companies would have as well. 
I have reached out for help within the company and not XXXX person will respond to me.
Consumer complaint received 2016-07-31
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (AL)

Santander Consumer Loans listed on my credit report the account is a charge off, furthermore reporting several months of late payments. This account was made current prior to the late reporting and all attempts to have negative items removed and/or updated have failed continuously. I have uploaded the title sent from this company showing the account was paid in full and current at the time of payment.
Consumer complaint received 2015-08-05
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: WELLS FARGO & COMPANY (NH)

Company : Wells FargoSchool : School XXXX XXXX XXXX, XXXX applied for a Six-Month forbearance on my student loan in XXXX or XXXX of this year, when applying the associate I spoke with informed me that if my financial situation had n't improved by the end of the forbearance period I would be eligible to apply for an additional forbearance of six months. 
I 've struggled with XXXX that have inhibited my ability to be as productive as possible since graduating college in XX/XX/XXXX. I 've been employed off-and-on during this time. First at a local hardware store, then, after an internship opportunity in XXXX that I allowed to slip because of my illness, and a period of unemployment and even XXXX XXXX ; at a local ski shop. Exacerbating this is my total debt : upwards of {$230000.00} and growing daily. I 've finally reached a point where I feel I am making some sort of progress, working with my doctors and my family ; however, these sorts of psychological hardships are completely ignored by ALL of my private financiers. 
When the six months were up ( this XX/XX/XXXX ... Bill due XX/XX/XXXX ) I immediately called Wells Fargo customer service to begin the process of applying for an additional forbearance while I continued work on my career outside of retail. The representative I spoke to was apprehensive at first, saying something about XXXX payment required -- when I explained to him that the employee that I spoke to in XXXX had assured me I 'd be able to receive the additional forbearance he said something to the effect of " Oh yeah, that 's right, you need to call back closer to your billing date, though. " I assumed the information provided to me by multiple customer service representatives at Wells Fargo was correct and I waited until the day before my bill was due to call them to complete the application process. What happened next was astounding. 
Every single representative apologized, the information I had been provided previously was incorrect, there was nothing they could do, my bill was due the following day. I struggled for hours -- being punished for misinformation provided by their own customer service representatives seemed less than fair, possibly criminal. 
I have no doubt in my mind that the customer service representatives at Wells Fargo are trained in subterfuge, to delay these sorts of requests until it 's too late and then to completely shut down any hope of delaying billing. 
We 've began the process of loan modification but we 've been informed that our bill is still due, I 'll be forced to make below-minimum payments and to deal with possibly months of harassing collection calls. 
As someone already suffering from a handfull of XXXX illnesses the thought of surprise default or even just continued deceit can be quite literally crippling. 
I would never have signed up for higher education, had I known at XXXX ( when I was still asking permission to use the restroom in highschool ) this would be the cost.
Consumer complaint received 2015-07-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (MN)

XX/XX/XXXX, I purchased a Scion FR-S via XXXX from a XXXX XXXX XXXX XXXX d.b.a. XXXX XXXX of XXXX. They are ( were ) located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 

The sender was the same exact Employee that took my required-after-auction WIN {$500.00} down payment. His name is XXXX XXXX. XXXX XXXX was my Salesman. 

It is now XX/XX/XXXX and I have nothing. Why? Because XXXX XXXX and his Manager ( Finance Mgr ) called me 8 days before my car was to arrive in XXXX, XXXX when I received a phone that I thought was a joke from XXXX XXXX 's Manager, when he called me directly and said he had bad news. The bad news? That in-transit, going through XXXX, the transit-truck they chose went up in flames and so did my Scion FR-S! From there, I called them at least two dozen times and asked what do I do now. What have other people done in this same incredibly unique situation? He said " you are not responsible for ANYTHING, Sir '' and " I will keep you closely informed. '' I then told XXXX XXXX and they could hardly believe it. Since then, NO ONE has compensated me a dime from XXXX who supposedly has an iron-clad guarantee, anyone at XXXX of XXXX or XXXX XXXX. The people that did contact me was XXXX ( XXXX ) continuing to call, mail, talk my neighbors and send repo vehicles to follow me day and night. I finally confronted one of them when they came and peered into my front house window and asked if this is matter is in regards to the car I never received. They said yes, and I assured them it was NEVER DELIVERED but had NO contacts for him. He said if I could call XXXX ( Roadloans ) using the phone # he carried with him, and put the XXXX rep on speaker and have her speak her name and confirm that no car was delivered, I would never hear from him again. I lost XXXX FICO points ( myFICO ), a repo on my record and my utilization is over XXXX because of this. Needless to say, I need immediate help as I am not able to purchase anything on credit. If this does not get resolved amicably by any party involved, I will not only have any choice but to file Bankruptcy XXXX & file suit against all negligent parties. I 'd like a police report, video they said they had and this removed from my credit reports immediately. Thank you.