davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-20
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A. (VA)

We periodically had problems paying our XXXX mortgage to Flagstar Bankin the past. This time we were behind by around 5 months. When they would call us, we would return the call only to be transferred to other areas, put on hold and noone actually answering the call. When I was able to pay on it, Flagstar refused to take our payment ( s ) if we were not making at least XXXX payments at a time. So we started mailing our payments in using postal money orders. Then our access to our account online was totally disabled by Flagstar. We were no longer able to see the activity on the acount. all we saw was a message that said our mortgage had been sold to another servicer, and that the new servicer would be contacting us via letter. That was over three to four months ago and we still have not heard anything. And nobody from Flagstar will communicate with us. 

This is not the first unpleasant incident we have had with Flagstar Bank. They were the originators of our mortgage when we purchased our home. The interest rate on XXXX the XXXX and XXXX mortgage was high, but manageable. I notified them when my wife took ill and they suggested a modification and told us we had to be at least 90 days past due to be eligible. We did as they suggested only to have our paperwork lost. We re-submitted and heard nothing. Then we found out our XXXX mortgage had been sold to another institution. So now they only held our XXXX mortgage ( which to our surprise was actually a home equity loan ). As time went by we proceded to try and get the mortgage they held modified. We complied with all of their requests, and again, paperwork was lost or deemed incomplete. So I sent an additional copy only to have one of their employees send an email to her manager that had unprofessional remarks about our attempt to get a modification ( yes, she inadvertently cc 'd us on the email ). When I responded to both her and her manager about my displeasure of the contents in the email, the manager immediately replied to us with a favorable reduction in the interest rate along with a change in the repayment terms from being amortized over 30 years and monthly payments for fifteen years with a balloon payment at the end of the fifteen years, to a loan amortized over 20 years that pays off the entire loan in that time frame. 

It has been months since we have heard from them. And we still have no idea where our loan is.
Consumer complaint received 2017-02-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

We were in trail modification payments with Bank of America XXXX ( XXXX ) times and they never gave us a final modification. We paid over {$30000.00} in trial payments to Bank of America. 
and then they transferred our loan.
Consumer complaint received 2016-09-05
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: Uber Technologies Inc. (MD)

Did you know that Uber offers the option to lease cars to its drivers? Drivers who are often financially desperate and fiscally uninformed individuals and who are often new to this country. And the fees that Uber and its affiliate are charging to lease these vehicles are predatory. I mean the monthly equivalent of {$610.00} to lease a Toyota Corolla ( 156 payments at {$140.00} per week )? Seriously? This is absolutely predatory! And I 'm afraid that people are doing it because they fail to realize that they may qualify for much cheaper leasing options elsewhere and they do n't realize how much they are actually paying.
Consumer complaint received 2015-07-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: ASSOCIATED BANC-CORP (WI)

I had a checking account at Associated Bank. I had arranged for loan payments to be made by ACH from my account. For a number of reasons, I closed my account at Associated and in the process I requested that the loan payments be cancelled since they are being made through my new account. 
For the last SIX months I have been getting notices from the bank that has my car loan that my payments are not being processed because my account has been closed. Although I am making payments as agreed through my new account, the notices have become a nuisance to me and to the bank that has my car loan. 
I have asked on numerous occasions to stop the payments from my account at Associated Bank and I have been assured on XXXX separate occasions by XXXX separate people that the automated payments have stopped. I have received another notice from my bank that has my car loan that yet another payment from the closed account has been attempted. This is extremely frustrating to me, and I have absolutely no confidence that Associated Bank will not report negative information about my account because of the returned payments. 
I just want them to stop trying to process the payments against this closed account.
Consumer complaint received 2016-05-01
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

After an IRA CD matured, Citizens Bank associates, advised my XXXX year old grandmother to deposit the money into her checking account instead of opening a money market IRA account. This caused her over {$4000.00} in taxes, about 1/4 of the worth of the CD. When I called to speak to the manager he was unapologetic and lied saying he personally helped her, when in fact, a female by the name of XXXX helped her. I 'd like Citizens Bank to pay my grandmother the taxes she had to pay, she does not have many assets and this tax bill was an extremely large payment for her to make. I understand that the bank can not give specific tax advice, but they can and should advise clients to seek the advice of a CPA or Accountant before making a transaction such as this one.
Consumer complaint received 2016-03-08
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONS RELIABLE LENDING LLC (OH)

On XXXX XXXX, 2016 ( I closed on XXXX XXXX, 2016 ), My lending agent asked me to send him my XX/XX/XXXX bank statement as it was, apparently, missing a page. I doubted that it was ; yet, I was prepared to send it again. It was about XXXX. My lender said he needed that document within a certain amount of time ( about forty-five minutes ) or my closing would be delayed. The pressure was surely on! After several attempts by my wife to take a picture of the supposed missing page and text it to the loan agent, she was told the pictures taken again and again were not clear enough, the agent could not read the document. At least forty-five minutes had passed. The loan agent asked for my username and password associated with my bank account. I was unwittingly prepared to give it to him until my wife adamantly cautioned me against doing so. She said, No! You do n't give out such personal information and should be skeptical of the motives of anyone, who is not supposed to, requesting such. She added ( since we could not meet the one hour deadline ) that the clear to close would just have to wait until the next day. I told the loan agent I could fax the document but it would take more than the time frame I was allotted by him. The agent acquiesced. The process took about forty-five minutes. I texted the loan agent when the document had been sent. The agent confirmed receipt by text. I am offended that the agent asked for such information. What was his motive? Under duress, I was prepared to act hastily. I feel insulted that he deemed me nave enough to break under that kind of pressure to close, dependent on his immediate receipt of the stated document. Was he trying to take advantage of the difficulties my wife and I encountered along the process of purchasing our home -- -- one being having had to change lenders before the loan agent of whom I now speak took over? Requesting my username and password associated with my checking account was wrong. Sketchy? Unethical? I remain indignant.
Consumer complaint received 2015-06-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (GA)

CFPB File XXXX was filed regarding unlawful collection practices by : Enhanced Recovery Company, LLCXXXX XXXX XXXX, Florida XXXXIn their response to the CFPB complaint, in an excerpt of the company 's representative response was as follows : " Additionally our agency has submitted a deletion request will all credit reporting agencies with the account and our office. The confirmation of this request is XXXX. '' This document is attached. 

However, as of this date ( XXXX XXXX, 2015 ), the credit reporting agencies continue to report this matter on my credit files. 

As there are XXXX Credit Reporting Agencies, and Enhanced Recovery Company gave only XXXX confirmation number in their response, it seems there is a willful and malicious attempt to deceive both the CFPB and myself. 

In order to remove the report from each of the XXXX credit reporting agencies, XXXX confirmation numbers would be required. These files can be removed immediately without delay by a company that wishes to remove them. The Credit Reporting Agencies simply report the information reported to them and are required by the FCRA to immediately remove any information as directed by the firm that files the erroneous, or wrong report. 

I am asking that the CFPB impose sanctions on Enhanced Recovery for their deceit in removing the file as they indicated in their correspondence regarding the above listed file.
Consumer complaint received 2015-09-02
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION (MA)

Called an auto dealership in our area and explained what we were going through and told them what that we had XXXX to put down and unfortunetly told them how we did not have any funds for sales tax and they told us oh no problem and I asked how much would this cost and she if we could find a lender, I will let you know, we were under duress at the time as we had no car, so we went to look at it and it was sitting outback, did not let us test drive it, said they had to put muffler on and which they did but that was all as when we got the car, no heat then ac died then wheel well was problems in which they fixed but were not happy to as it was within 30 days. But the most important part was we signed it because we were desperate and had no other way to get a car, no funds in bank, absolutely nothing, my husband was using the company truck for a limited time as he needed to get to work. When we signed we had not had a car payment since XX/XX/XXXX in which we payed it off with a bank. They charged us 21 % as said my husband did not have any credit but we had owned a home and sold it in XX/XX/XXXX, so I do n't understand how we had no credit, so I had to be a co-signer and my credit is not good from student loans and never gave it much thought until our excise bill came and stated that the car was only valued at {$1800.00} and that really opened my eyes and I looked into XXXX XXXX book and so that was true, and in the mean time, checked our paperwork and saw that after all payments were done, we will have paid {$11000.00} for a car worth {$1800.00}?? They said the total cost of your purchase on credit, including your XXXX downpayment is {$11000.00} and now if someone hits our car and totals it, we only get {$1800.00} and still have pay {$11000.00} for the car. They took advantage of our bad credit and it was not a bank it was Credit Acceptance of Michigan and digging further on line about them, they do not have a good name. Now looking at it we are having hard time paying as well.
Consumer complaint received 2015-03-31
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (TX)

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
Consumer complaint received 2016-11-08
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (VA)

When I got the loan I was told I would pay {$150.00} finance fee for the {$600.00} I borrowed. It would be a total of XXXX payments of {$150.00}. Never got any notifications when payments were being processed for those XXXX payments, then got a notice that they were going to process another payment from my account. When I contacted them they stated that was the process and they apologized for the inconvenience but those payments were each finance charges because I had not paid back the {$600.00} yet. I believe this whole thing is a Scam. They originally sent me papers saying a finance charge of over {$3000.00} and when I talked to someone I said I no longer wanted the loan because that was crazy I was not going to pay {$3000.00} to borrow {$600.00}. And that when they told me I 'd only way the XXXX payments of {$150.00}. And be done.
Consumer complaint received 2016-03-09
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

My credit application to Citizens One for XXXX XXXX XXXX was just denied. My credit rating is XXXX! The credit card I offered has a XXXX Credit Limit and my current balance is less than XXXX. 
I am stunned and was frankly embarrassed by this action. 
Then, try to get an answer from the company! They deny access on the website and phone Unless you have an existing loan. 
Yes, I can go to a retail store and get the phone, but without the advantages of the XXXX XXXX plan, which is the reason I went to the XXXX in XXXX XXXX, California! 
XXXX should be looking into theses issues which from what I understand is not unusual. Others with excellent credit are denied access to the new IPhone benefit program for no cause. We are talking about financing less than XXXX!
Consumer complaint received 2024-09-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My husband was in contact with an auto company by the name of XXXX XXXX in SD. He had been inquiring about two cars that he was interested in purchasing. We had received an offer agreement along with how they operate when sending cars over to another state, and basically seemed like they operate like XXXX. Company has a website with the cars, car faxes, information etc. On XX/XX/2024 we wire transferred over XXXX so that the process on shipping could be started. My husband was speaking to the salesperson by the name of XXXX, and my husband simply asked what his managers name was in case we needed to get in contact with him, and XXXX 's response was he doesn't like us giving out his information. At that very moment the red flag went up. Something didnt sound correct. immediately we contacted my Bank XXXX XXXX XXXX XXXX to file a report that it is fraud. Doing more investigating after the fact, my husband called the dealer where these two cars were originally purchased, and the salesperson at that facility said that those two cars have an owner. I quickly paid for two car faxes, which the legit ones are totally different from XXXX XXXX as they basically took a XXXX and altered all the info. XXXX has been sending messages out to Bank Of America for a week to retrieve out funds back.I have the fraud carfaxes, the legit car faxes along with the information on where my money went to as a wire transfer. No one for a week has gotten back to XXXX at XXXX is still persistent on getting my money back and also Bank Of America should at least be concerned so that this does not continue to happen. Filed a complaint with the NY Attorney general as well.
Consumer complaint received 2024-09-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: PNC Bank N.A. (MA)

I divorced this year and kept XXXX properties that were jointly owned by me and my XXXX and as a result of the divorce I need to remove her from the mortgages. Therefore, I applied to Assume the mortgages held by PNC Bank. I filed XXXX applications, XXXX for each property my primary residence and a second home. Both my applications have been denied because my " income is insufficient for the amount requested. '' I know my income, and I know that this conclusion is incorrect I have sufficient income. After multiple requests for reconsideration, PNC 's denial stands. Even more surprising is that I can't even get a copy of the calculations that led to this erroneous and unfair conclusion because, according to PNC representatives, these calculations are " proprietary and confidential. '' How can that be, when those calculations only involve my income and are being used to deny my application? I can only conclude that PNC knows there is a systemic process issue and does not want to provide me evidence that would expose it. 

Additionally, I've asked if my rental income is being considered in the decision, and the answer has consistently been " NO, because you can't prove the existence of that income on a tax return. '' This is absurd, all because my rental income started in 2024! 

Finally, I also requested a description of the acceptance criteria/guidelines, and this request was denied because this information is " proprietary and confidential. ''
Consumer complaint received 2016-09-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (GA)

I 'm filing this complaint because Equifax has ignored my 2nd WRITTEN DISPUTE REQUEST to provide me with physical proof of the original creditor documents or credit application that bears my signature as proof of a promise to pay agreement that their company has on file that was used to verify the inaccurate account I disputed. Being that they have gone past the 30 - 45 days ' mark and can not verify this account, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly DELETE all information which can not be verified '' that I have disputed. Please help me resolve this important matter as soon as possible. Thank You Kindly
Consumer complaint received 2015-11-11
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Credit Karma (VA)

Someone in Georgia stole my identity, opened fraudulent accounts, and started a Credit Karma account using my old name and social security number etc after my wallet had been stolen. I have finally gotten all three credit bureaus to report only correct information with the help of a lawyer. I contacted Credit Karma to take over the fraudulent account and had to send in proof of my identity. Now Credit Karma refuses to remove erroneous information even after I have paper copies of all XXXX credit reports and none of the false information is listed there. I want Credit Karma to close my account permanently. They allowed a scammer to open up an account in my name and now refuse to correct my information even after I sent them my documents, which is protected under the Fair Credit Reporting Act. I want them to close my account permanently so that nobody else can do this to me. They are perpetuating a crime against me.
Consumer complaint received 2017-03-06
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (NY)

The federal student loan interest rate is too high for borrowers, which does not provide incentive for Americans to pursue a higher education or enable them to save for their future. Moreover, if a borrower consolidates their federal loans, the interest rate becomes fixed for the life of the loan, locking in the borrower for years of repayment with high interest. This discourages Americans from pursuing higher education opportunities and does not enable borrowers to pay back loans in a reasonable time frame. High interest rates do not allow Americans to pay back their loans in time to save for their future through investing in a home, retirement or saving for their children 's education.
Consumer complaint received 2016-12-07
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (NJ)

I have credit card account with Macy 's in which I keep seeing random interest charges and late fees without any rhyme or reason. 

Even if I pay the amount in full they charge me with finance charges or interest charges. When calling their customer care department they waste a lot of time and then ultimately realize that the interest was incorrectly charged to the account. 

On another occasion, they started charging me interest on a 24-month long interest-free purchase saying they have no previous record of when the amount was charged. They only saw the outstanding balance and started applying the financing and interest charges without any logic. When questioned they reversed the charges but they have been a pain to deal with. It takes 4 hours to get to the actual agent who fixes the issues. It is insane how systematically they are conning their customers without their knowledge.
Consumer complaint received 2016-06-24
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (MO)

I disputed a charge on my Citibank Visa for an service which was not delivered ( the business closed and the owner left town ). Citi applied a temporary credit and requested my affidavit and additional information. I sent the additional information to Citi via USPS within 24 hours of the request. The information included both a hard copy of and URL to a news article published that day about the business 's closing. 

Since the request, I received no fewer than XXXX notices asking for the information I had already sent. Each and every time, I called Citi immediately ( within 12 hours of receiving the communication ). Each time, the Citi representative looked at my dispute, saw the evidence which I had already sent, and said I should do nothing else. 

Eventually, I got a notice that the dispute was about to be closed because I had n't sent in supporting documentation. I escalated to a claims specialist, XXXX, and she, too, assured me that they had everything they needed and that I should do nothing. 

Then the chargeback was reversed and I received a final disposition letter, indicating that I had n't sent the requested information. I finally spoke to XXXX in the Citicard " Office of the President '' who indicated that she would fix the problem and call me back by today, XXXX XXXX. XXXX has not returned the call as promised, and the chargeback is still reversed.