davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-26
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BBVA FINANCIAL CORPORATION (TX)

ATM card stolen XXXX XXXX. : XXXX. Bank refusing to provide restitution. Bank will receive ongoing filings on here if they continue to avoid rules. I have lost my engagement, nearly lost my apartment 4 months ago, and my vacation I invested funds in I can not recover over this. Beyond angry and will attempt resolution w/ branch in person if necessary. Litigation imminent. Bank has no response to the issue. Bank is saying we know the rules and we do n't like them because they are n't in our favor, so we 'll just go ahead and keep the funds while asking for additional documentation, stalling, lying, passing the issue from department to department and jerking me around because bank security measures failed. Unacceptable.
Consumer complaint received 2017-02-18
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

In XXXX of XXXX, I got divorced from my ex husband. He was awarded our XXXX XXXX XXXX, that XXXX financed through USAA Bank. In XXXX or XXXX of XXXX, a tow ruck appeared at my home, and the driver proceeded to try to repossess my XXXX XXXX XXXX, which was at the time current on the payment and finances through XXXX Bank. I had the police come to the house and they were able to get the report guy to put the car down, explaining that he was trying to take the wrong vehicle, the police had me open my garage, to prove that the XXXX XXXX was not on my property. This was the first I was told that the car was behind on payments. My ex turned the XXXX over to USAA sometime in XXXX. At which point I sent them the divorce decree showing that I was no longer liable as he was awarded it in the divorce. In XXXX of XXXX my ex filed bankruptcy and USAA started once again reporting a charged off car loan on my credit. In XXXX XXXX I ended up paying the car loan to settle for a lesser amount to stop the negative reporting on my credit report. Since I paid them they have continued to report it as a charge off. Multiple times every year.. I have tried contacting USAA regularly to resolve the issue. I keep getting transfered all over the place and no one is able to resolve the issue.. I have been turner down for XXXX banking positions with the excuse that they can not place me in a position of loan origination with this charged off car loan on my credit. I did not get the car repossessed, I did not file bankruptcy, and I paid them to settle the account, even though I was no longer legally liable as that is what USAA said needed to be done for it to be removed. I just went again in the beginning of XXXX to try to refinance my home and am shocked to see that the bank has yet again reported the charge off as of XXXX XXXX XX/XX/XXXX..every time they report this my score drops XXXX point and I can not refinance my home. What is the point of paying rg debt if they are not going to leave my credit alone and are going to continue this harassment, which I thought was illegal. Please send me the name of an attorney in Arizona who can help me.. Thank you XXXX XXXX.
Consumer complaint received 2016-07-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: CITIBANK, N.A. (MI)

From XXXX, XXXX to XXXX, XXXX I acquired private student loans from Citibank Student Loans. The promissory notes for those loans state that the loans are variable interest rate loans. 

The interest is to be calculated, according to my promissory notes, as so ; " The 'Variable Rate ' for each Loan made under the Note is the sum of the Prime Rate published in The XXXX XXXX XXXX under the 'Money Rates ' section for the day which is 30 days prior to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of each year ( the 'Index ' ) plus or minus the percentage, as identified on the applicable Conditional Approval Letter that I received in connection with the Loan ... '' The note goes on to say, " The Variable Rate will change quarterly on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of each year. '' Here is the problem. XX/XX/XXXX the Prime Rate ranged from 7.5 % to 8.25 %. However, the Prime Rate, in accordance with the XXXX as outlined in my Notes, plummeted to 3.25 % in XXXX, XXXX and has held at that rate until XXXX, XXXX. My interest rates on my loans were never adjusted quarterly, as outlined in my Notes, resulting in some cases where I was paying TRIPLE the interest that I was legally supposed to. 

My loan providers did not follow the language of our contract and I have overpaid a tremendous amount in interest due to this mistake.
Consumer complaint received 2015-04-20
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Liberty Credit Services, Inc. (MN)

I have a judgement against me by Liberty Credit Services , Inc. They are located in XXXX XXXX, MN. The judgement is from XXXX against debt I owed to XXXX XXXX Bank. 
My story : I was married to a XXXX man. I am the XXXX. My ex-husband had me apply for several credit cards that he used at his discretion. I complied XXXX. The XXXX XXXX Bank was XXXX of them. My ex-husband is also a XXXX. It was n't long before he could no longer pay on this account. He left me stranded with the debt. The debt belongs to him. 
When I received the notice that Liberty was taking me to court, I should have gone and told my story. I was frozen in fear. I was still married at the time and my husband, who was gainfully employed, did nothing to help me or support me with the judgement. 
The judgement was approved for {$7500.00} I made contact with XXXX XXXX at LCSI and explained that I was in an XXXX marriage and trying to get out and that I would have the responsibility of XXXX young children. I payment plan of $ XXXX/month was agreed upon by XXXX parties. No interest was discussed or agreed to at this time. 
In XXXX of XXXX, I requested a payment history for my divorce proceedings. I received written notice of my monthly payments and a letter stating that I paid {$1000.00} on the principal amount of {$7500.00} and the remaining amount was {$6400.00}. 
I continued to make my $ XXXX/month payments. On XXXX XXXX of XXXX, I received notice that I had missed my XXXX payment which was payable by the XXXX. The letter indicated that my new balance was {$7900.00} ; I called XXXX XXXX on XXXX/XXXX/XXXX to notify him that I was no longer employed XXXX. I explained to him that I was struggling financially and that I was the sole support of my XXXX young children who were receiving Medical Assistance and Food stamps. I told him to look at my history to see that I have never missed a payment in five years but was really going downhill financially and needed a respite until I could get back on my feet. LCSI sent me an exemption notice. I completed their paperwork and returned it immediately by mail. 
On XXXX/XXXX/XXXX I checked my bank account and noticed that my entire bank account had been garnished. I called XXXX to find out why since I completed the necessary exemption paperwork and provided the proof required. He explained to me that they had thousands of accounts and there was no way they could keep up with everyone 's personal problems and who had what in their account. 
I think this credit company has violated my rights. Please feel free to contact me with any questions you might have.
Consumer complaint received 2016-03-22
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (CA)

My wife and I both signed up for our own individual credit account. it was based off an offer 0 % interest a fee waiver for the annual fee and bonus miles after a certain amount of money was spent. I received a high credit score of XXXX I also happen to obtain a large limit from the slender and on top of that they waive my fee. Yeah were tied it was for 0 % interest which they gave to my wife 's account and did not get to my account. When I question their practices and even offered my wife 's account information so that they can compare and contrast the XXXX accounts they refused to take her information and merely told me in writing that I had the best offer available. his peer to be a lackluster investigation is no one ever talk to me about what I ended up signing up for it was merely just a description and nothing more was done no remedy was offered. I have since close the account and will pay off the entire {$9000.00} balance this week which demonstrates my Credit worthiness.
Consumer complaint received 2016-06-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NJ)

I signed up for a Citi Gold account online and entered a promotion code where I would receive XXXX Thank You points after completing bill payments in two consecutive months. I received verification during the online application process that I was eligible for the bonus. A few days after applying online, in a follow up phone call while speaking to a Citi representative, the person specifically stated I was eligible for the promotion. This lead me to finalize the application and agree to open this premium account. I 've since completed the requirements to receive the bonus and paid monthly fees associated with the account. A follow up phone call with a representative confirmed that the previously stated requirements were met. However, when the promised points were not added to my account, I again placed a call where a representative and his superior denied my eligibility for the reason being that I already had a different existing non-fee account opened. I believe Citibank is behaving on unethical business practices by not fulfilling their end of a business agreement and purposefully and/or negligently misleading customers.
Consumer complaint received 2016-10-31
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A. (NV)

Due to medical state and injury fraud was committed in me and my mothers bank acct leaving me broke there is evidence of multiple multidominal unauthorized transaction taken out of my acct without freeze placed or alerts when I tried to address the issue shortly after bankers failed to review my acct info accurately which left me unable to report t in a timely manner and many attempts to report transactions esulted in the bank manager refusing me service and threatening o call police on me an innocent customer clearly taken advatage of because of my current medical state at the time
Consumer complaint received 2015-12-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (NY)

My mortgage Servicing Company, Shellpoint Mortgage Servicing, made a mistake when it paid my insurance renewal premium not once but twice in XX/XX/XXXX. It paid the insurance premium from the loan for the property to be insured and again from my other property 's loan ( which was already insured with a different insurance company and was not due for renewal until XX/XX/XXXX ). Then Shellpoint did an escrow analysis for XXXX properties based on the incorrect information generated by its own mistake and increased our mortgage payment for XXXX properties by nearly $ XXXX/mo total. When the insurance company refunded the overpayment, Shellpoint credited the wrong account. Despite my efforts to sort this out by phone on XXXX different occasions, nothing has been done to remedy the situation. I am just getting the runaround. No one ever does what they tell me they are going to do.
Consumer complaint received 2016-07-15
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (AZ)

Please refer to my first complaint ; Case XXXX. XXXX filed on XXXX/XXXX/2016. The nature of that complaint was against CitiBank , N.A . Briefly, XXXX changed from XXXX XXXX cards to Citibank cards. I did not want a Citibank card and advised them by phone in XXXX, 2016. Their binding agreement stated that " Even if you do n't use your card, this agreement will take effect, unless you contact us within 30 days of receiving this notice. '' There was no date on the notice, but I did receive it in XXXX 2016. I called Citibank immediately upon receiving the notice, and told them not to send a card. They sent XXXX anyway. I called Citibank and told them I did not want a card and to cancel any account. THEY REFUSED! I subsequently filed a complaint with CFPB on XXXX/XXXX/2016. 
On XXXX XXXX, 2016 I received a letter from Citibank, XXXX XXXX, XXXX Response Unit, XXXX, advising me that my name and address was removed from their solicitation lists. On XXXX XXXX, 2016, I received another notice from Citibank that a new Citibank credit card was on its way. On XXXX XXXX, 2016, I got another Citibank ( same as the first XXXX ) in the mail, urging me to activate it immediately. 
Apparently, Citibank believes that they can bully the public, and create an account using their credit card, whether they want XXXX or not. Moreover, XXXX XXXX XXXX lied in her response letter to me and to CFPB by telling us that my name and address was removed from their data base. I am aware that Citibank paid a settlement to the Federal Government of XXXX XXXX dollars for Mortgage Loan Fraud. This is indicative of their Fraudulent and Unscrupulous business practices. Now it appears they have branched out into creating unwanted accounts and refuse to delete these accounts from their database. 
I am a mother of XXXX teenage girls, I work full time to support them. I do not have time to be constantly respond to being pestered into having accounts I do n't want ; only to be refused upon request to delete such accounts.
Consumer complaint received 2016-10-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (FL)

ENHANCED RECOVERY CO ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ENHANCED RECOVERY CO or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ENHANCED RECOVERY CO or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.
Consumer complaint received 2016-03-02
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (MA)

I have used the Macy 's card on my account for XX/XX/XXXX and XX/XX/XXXX to pay for some things at the Macy 's store in XXXX MA. However, today is XX/XX/XXXX and I only learned that my account was overdue 2 weeks ago when they phone called me to notify me. They have added XXXX late fees on my account already XXXX of {$39.00} and XXXX more of {$29.00} dollars without warning me ahead of time. I was expecting their mail statement but they have never sent me XXXX until I requested the person that phone called me XXXX weeks ago to do so. On XXXX XXXX I spoke with XXXX XXXX ( Manager ) at the collection department who was very rude and verbalized to me that I used their card and that I do n't want to pay now. No need to mention that I felt so offended With her statement. Nevertheless, I asked XXXX to waive the late fees since it was their fault for not mailing a statement to me before but she stated that I was supposed to call them and ask about my bill and that they have no obligation to mail me anything. I friendly verbalized to XXXX that I would not know how often they generate their statement and for that reason I would not call as it has only been 2 months and considering the fact that every company generate their statement differently. Some generates it every month, others every3 months, etc.. XXXX XXXX my argument irrelevant and stated she is not going to waive anything for me.
Consumer complaint received 2016-08-24
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Big Picture Loans, LLC (CA)

On XXXX/XXXX/2016, I contacted the payday Lender Big Picture Loans , LLC. I explained I either needed an extension on the pay date or change the payment type ( due to low or no funds in the acct listed on loan. ) The representative stated they could not change the date or payment type because that 's how its listed in the contract. I explained that the payment will be returned because my pay day dates changed. I notified my bank on the following days XX/XX/XXXX-XX/XX/2016 and spoke to several representatives from the bank regarding this payment and that I did n't want it processed due to no or low funds. The bank is also aware that I do not have overdraft protection and declined this service. This payment was processed and paid by my bank and now I owe and am overdrawn on my bank account with overdraft charges and fees. I spoke to a bank representative on XXXX/XXXX/2016 who stated that the payment was put through because it was an auto withdrawal, even though I told them not to put the payment through. 

I also just found out that Big Picture Loans is not authorized or licensed to operate or provide loans out of the state of XXXX, where they are located. 

Payday Lender is Big Picture Loans , LLC. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Bank : XXXX XXXX, XXXX
Consumer complaint received 2015-05-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (CA)

I have requested a loan Modification from Citimortage Acct # XXXX I work full time at XXXX. My Husband is extremely XXXX and on SS Benefits XXXX XXXX at Citimortage has falsified that I have communicated with him. We are delinquent on the Mortgage - having to leave work to take my husband to the Dr XXXX 
Good afternoon XXXX, Thank you for taking the time to call me back during your lunch to go over your options. As we discussed over the phone, we can review again to see if you may qualify for a Modification to your existing home Mortgage loan. In order to do so, we will need to update several items. Most of what you sent in has expired, as they were sent to us in XXXX, and they have a 90 day shelf life. Please provide the following:
Consumer complaint received 2016-07-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ProCollect, Inc. (VA)

In XX/XX/XXXX I signed a six month agreement with XXXX. I signed the lease over from another person. The apartment complex agreed that I would live in the property from XXXX XXXX until XXXX XXXX. In XX/XX/XXXX when I went to turn in my keys management told me that I owed rent up until XXXX XXXX. They said that they would not try to find anyone else. Even if I found someone else they wanted me to still pay the next six months, which is illegal. They told me that If I did n't pay the next six months rent right then, they would turn it over to collections. I set up a meeting with management to try and discuss some alternatives. They kept giving me the run around and ignoring my calls and emails. A few weeks later I received a collection notice from Pro Collect for over {$3000.00} dollars which included huge fees for cleaning a tub and lost keys ( which I turned in ) and unpaid rent. I was only obligated to stay in the property for six months, and regardless it 's illegal for a landlord to not mitigate their damages. They sent my account over to collections for six months accelerated rent three weeks after I moved out of the property. This is illegal! They ignored all my calls and attempts to work something out, they told me to pay up the next six months rent or they would send it to collections right away. They intentionally ruined my credit without making any attempts to mitigate their damages which the law requires. When I contacted Pro Collect through a written letter, and called showing evidence of this unfair charge they told me to sue XXXX. They admitted that I was right about the landlord 's duty to mitigate their damages, however if I wanted this off my credit I would have to sue the apartment complex, and that would cost me more than paying the {$3000.00} that they were attempting to collect. They also advised me that disputing this charge would hurt my credit. I later called back to try and get more explanation on how it was legally to try and collect when they broke the law, the lady said she was n't there to argue with me and proceeded to end the phone call. They refuse to remove this from my credit, even though legally the apartment complex broke the law.
Consumer complaint received 2015-06-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Real Property Title Group LLC (FL)

I started to buy a house and was given a contract that did not list the accurate address of the contract. My mortgage broker requested that the contract be fixed on XXXX/XXXX/15. I had requested several times before and after the XXXX via email and through my realtor and mortgage broker to the attorney representing the seller for my escrow check to be returned. I also lost my job and have sent them a termination letter and a mortgage denial letter for all of these reasons and they now say that I have delayed the process. They do not respond now. The contract was not legal and the seller refuses to terminate the incorrect contract.
Consumer complaint received 2024-10-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (PA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.