davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-19
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: AMERICAN HONDA FINANCE CORP (NY)

On XXXX XXXX, XXXX my car was repossessed for defaulting on my contract I signed on XXXX XXXX, XXXX. After my car was repossessed I received a 'notice of right to redeem ' from Honda Financial dated for XXXX XXXX, XXXX, I also received a separate 'notice of our plan to sell property- private ' notice date of XXXX XXXX, however, the notice did not provide a date, time or place for when the vehicle would be sold. The notice indicated " that it would be sold sometime after XXXX XXXX. As per New York state laws, I have the right to be notified of the time and place of a public sale and/or of the time after which a private sale you goods will be made. I was not afforded that right to participate in the sale of my vehicle. The last notice I received from them was dated XXXX XXXX, XXXX " XXXX XXXX XXXX XXXX XXXX '' which summarizes the sale of the car and fees and amount owed. My rights to redeem car under state law was violated, I do not believe that lender sold the car in a commercially reasonable manner. I had also filed a complaint with the Better Business Bureau on XXXX XXXX, XXXX regarding my personal property that was in the vehicle at the time it was repossessed that was withheld from me. I received a response notice and was told by the XXXX XXXX that the recovery agent had a right to charge me a fee for retrieving my personal property after such the property was sold with my vehicle. I had electronics and other valuable items totaling over {$7000.00} in the vehicle that has not been accounted for. As per the New York Attorney General office, they did not have a right to refuse me my personal items and charge me a fee to retrieve them, as there was no security interest with them. I am therefore charging the Finance company for the stolen items. The recovery agent did not have a detailed or itemized list of every item in my car and could not account for the items that were in my car.
Consumer complaint received 2016-04-08
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

My loan is a former Wachovia Mortgage now my servicer is Wells Fargo Bank. I am employed by XXXX XXXX through University of XXXX XXXX. I was on XXXX and workers comp and I informed Wells Fargo early in XXXX that my employer made a mistake in my payroll and for 3 months I was not paid. However, Wells Fargo stated over the telephone that I did not qualify for a loan modifications and that I had to participate in repayment plan to pay the arrears that payment was {$5000.00} for 3 months, the regular mortgage payment was {$3500.00}. In XXXX XXXX, I returned to work and did not receive a pay check, again I informed Wells Fargo Bank about the discrepancy in my pay, this time they threaten me with foreclosure and stated again that I did not qualify for mortgage assistance. I filed a complaint with the Executive Office on Monday XXXX/XXXX/XXXX, for Wells Fargo about their resistance to review me for a loan modification, I received a case # XXXX. However, when I called back to Wells Fargo and spoke to a XXXX XXXX in the Executive Department who said the only thing he saw was that I was sent to foreclosure and saw no complaint. Then began a flip and condescending conversation between he and I. He seem to take delight in my being upset and never once offered me mortgage assistance in the form of a application
Consumer complaint received 2015-09-05
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

Referring to my previous complaint case # XXXX I entered into a new contract with Citi with the same results of them failing to fulfill their obligations. I called Citi during the contract period three times to remind them of their obligations. They let the deadline pass without applying triple interest which was agreed upon. I can not be the only one that this fraudulent method is affecting. So one more time I would like an explanation of how these mistakes are continually made enriching Citibanks balance sheet and leaving some poor consumer like me never knowing they were swindled. Every time I called Citibank they were completely unaware of the promotion and monies due me. I 'm glad I kept the records for 90 days not everyone does.
Consumer complaint received 2016-04-07
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (AZ)

I am a realtor and have a property under contract with a buyer and seller. The buyer is using Wells Fargo as their lender and had an appraisal done. The original appraisal came in a little bit over the purchase price and everyone moved forward with the transaction. Then a week and half later Wells Fargo told the buyers that there was an issue with the value. They said the appraiser revised the appraisal down by {$14000.00}. The appraiser returned a call I had made to understand what the process was with the revision and he told me the underwriter had 'pounded and pounded him ' he reviewed his original appraisal and said he made a mistake and agreed with the underwriter and adjusted the value.
Consumer complaint received 2015-04-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MA)

My XXXX mortgage was modified in XXXX under the HAMP program. The terms were 2 % for 5 years ( 60 months ) changing to 3 % on month XXXX. That month was XX/XX/XXXX. Ocwen 's statement due for XX/XX/XXXX reflected the change to 3 %, but the P & I amounts were incorrect. They did get the interest portion correct, but the principle was miscalculated. The balance on the loan before the XX/XX/XXXX payment was {$300.00}. The Maturity dateis XXXX. So that leaves 299 months left at 3 % which yields a new Principle of {$680.00} and not the {$720.00} as written on XXXX 's statement. I spoke to XXXX at Ocwen ( her number is XXXX and at option XXXX enter ext # XXXX. When she called me back around XX/XX/XXXX she asked for copies of the modification agreement, which is not my responsibility to supply to them. They bought the servicing, they should have a completepackage. Further, if they correctly changed to the 3 % on the correct month ( XXXX month ) why do they need any documents, they simply just erred in calculating the correct principle. 
When I paid the mortgage on XX/XX/XXXX online, of course the website would not accept a smaller payment at all. So I paid the higher amount of {$1900.00} instead of the correct amount of {$1900.00} ( an additional burden of {$39.00} due to their mistake. Considering XXXX admitted to me that I was right, she claimed Ocwen could not change the terms without proper documentation. Well, How did they arrive at the correct 3 % amount ... its all stupid that a servicing company can not compute a simple change in a mortgage.
Consumer complaint received 2015-06-30
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (GA)

I received XXXX calls in XXXX day from citi bank XXXX not the original bank when I applied for the card in 2006 XXXX representing my best buy XXXX in attempt to collect a past due balance I was unaware of and thought I had paid. A {$20.00} late fee was applied to the account, but being that I have been consistent with my payments and was an honest mistake requested that they remove the late charge towards the minimum balance.They refused saying they will only credit the amount which does not help me. In the past companies are forgiving and will lower your minimum contingent that this is not a habitual occurrence and you promise to pay or set up an automatic electronic payment for the balance which I stated to them I was more than willing to make. I requested that they honor this business practices which I was familiar with especially since I NEVER agreed to those terms citi has changed how the handled late fees. I believe one 's money should not be help hostage, just like a thief is not allowed to keep what he stole under the condition that it technically belongs to you and its there for you. Through many years of loyalty they have also refused to lower my exceedingly high interest rate despite multiple request and multiple current payments and use.
Consumer complaint received 2015-10-14
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CA)

To Whom It May Concern : I 'm writing this email hopes that one of you can escalate this issue to the right resource within your organization ( Wells Fargo XXXX that can truly help me as I 'm extremely FRUSTRATED with Wells Fargo 's customer service to date and this is my last resort. 

I 've had a terrible experience with Wells Fargo customer service to date, starting back XX/XX/XXXX when I initially put an offer on my home. 

The email below from a Wells Fargo representative is a perfect example of this experience and I 'm reaching out to one of you to help me get this resolved. 

I 'm trying to close on a FHA refinance and the case number in the FHA portal is being held by Wells Fargo. In XXXX of this year I reached out to Wells Fargo to initiate a streamline. Near the close of my transaction Wells Fargo ask me to come out of pocket with over {$2900.00} to close on the loan and this was not something that was communicated to me back in XXXX when I initiated the transaction so I decided at the end of XXXX to cancel my loan with Wells Fargo and go with XXXX Texas XXXX. 

I 'm very frustrated and hoping this issue can be resolved as quickly as possible. 

1. Wells Fargo has delayed transferring my case number to XXXX Mortgage of Texas XXXX, thus causing me unnecessary XXXX and hardship. I 'm writing this email while at work as an example of the inconvenience this has caused me. You can confirm when I started this process in the attached email. 

2. After determining that Wells Fargo would require me to come out of pocket for a FHA Streamline when we were ready to go to doc 's I decided to evaluate my options and now Wells Fargo is yet again holding up my FILE. See attached HUD where I had to come out of pocket for a streamline, when I was told that if I got an appraisal no out of pocket would be required. 

3. When I finally closed on the initial purchase LOAN back XX/XX/XXXX with Wells Fargo after a XXXX month escrow and multiple rate lock extensions charges on my loan, I had to come up with an extra {$2500.00} to close to pay for RATE lock extensions that were not my fault. 
I 'm just a hard working CITIZEN trying to provide and feed his family and these issues have caused a TREMENDOUS amount of XXXX on ME. 

Thank you for taking the time to read this. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXXXXXXXXXX
Consumer complaint received 2015-11-06
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (NY)

Macy 's assessed me a late fee. They have a new website that locked me out and would not allow me to pay the bill. When I called to have the late fee removed they said that they would but that it was a courtesy removal and that I would only be forgiven this XXXX time. Even though it was their fault. Then when I called to pay my bill the next month I asked if I could pay half now and half a day after it was due and they would not take my money and charged me a late fee, no grace periods, no courtesy forgiving of lateness because they had just done so last month.
Consumer complaint received 2016-09-08
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

RBS Citizens Bank NA is intentionally deceiving its customers by manipulating its transaction processing in order to extract {$35.00} overdraft fees. Citizens represents to its customers that they will not be assessed an overdraft fee if they cover the overdraft balance on the same day ( i.e. by moving money from their Citizens savings account to their Citizens checking account ). However, they intentionally withhold processing of certain transactions until XXXX. Therefore, customers overdraw in the middle of the night, and only have 59 seconds to both recognize the overdrawn account and to complete the transfer request. I have been a Citizens customer for 27 years, this has never happened before, and Citizens refuses to waive the {$35.00} overdraft fee, even though funds were moved from savings to checking to cover the overdrawn account on the first full day of noticing the account. Citizens ' intentionally manipulative policies entice customers to rely on the ability to move funds to avoid a fee, and then takes advantage of this misplaced reliance to extract exorbitant fees. Citizens must either change its processing to put through transactions as they occur ( similar to other national banks ), or notify customers that they should not rely on the " same day '' policy -- as that same " day '', in most cases, is less than 60 seconds.
Consumer complaint received 2016-05-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (FL)

Back in XXXX of 2015 I opened a Citigold checking account with an offer stating I would receive XXXX XXXX XXXX miles after meeting outlined criteria. I then met those criteria, confirmed with a Citi representative that I had met the criteria, and was told to expect the points to be deposited into my account by the XX/XX/XXXX. During this time I was charged two monthly service fees of {$30.00} each. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited in the XX/XX/XXXX. Citi has pulled a bait and switch. They have suddenly decided I do n't qualify unless I can find a postcard from 7 months ago showing the offer. Who keeps junk around that long and why was n't that mentioned before? Now I have {$60.00} of fees and I will not be getting my points. I am still to date asking them for the points and wanting to understand how three people saw that I qualified but am being turned away. It has become apparent that I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done. I hope enough pressure can be put on Citibank to make them honor the promotion they already told me I qualified for. 

Thank you & regards, XXXX XXXX
Consumer complaint received 2016-05-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (VA)

I have applied for mortgage relief under the XXXX program since XXXX under XXXX and since XXXX with OCWEN Loan Servicing. Each time I have been denied or the bank took to long to review documents. I was approved for a short-sell earlier this month after 4 months of waiting and the buyer pulled out due to the amount of time taken. I am again applying for a Deed-In-Lieu as I am XXXX and this is going to affect my security clearance. I am EXTREMLY unhappy with the service I had received and would never recommend this company as a loan servicer. They have extremely bad customer service and shady business dealings. Please help.
Consumer complaint received 2016-06-20
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (CA)

My mortgage holder was Citycorp XXXX On XXXX XXXX XXXX my wife XXXX XXXX, ( aka XXXX XXXX XXXX Acct # XXXX ) died of XXXX XXXX. XXXX and I ( XXXX XXXX XXXX XXXX ) owned a property in Joint Tenancy, XXXX XXXX XXXX XXXX # XXXX, XXXX, and Ca XXXX. Citicorp owned the loan XXXX # XXXX XXXX. 
As early as XXXX XXXX I contacted Citicorp to insure the loan stay in good standing and we corresponded about this item. I was asked to supply to Citicorp the followings : Death Certificate, Marriage certificate copy of the current Deed, and Probate Status N/A. 
I comlp1ed to all with a letter explaining there was no probate because the assets did not merit a need for probate. The main asset was the real property, and it was in joint tenancy so it automatically escheated to me. 
I did this several times, each time the person on the phone said they did not receive the material. When I did not hear from Citicorp XXXX ) # XXXX, XXXX XXXX XXXX XXXX I opened an auto bill paying account to make bi-monthly payments of approximately {$560.00} through my Bank XXXX XXXX. 
Payments have been continually sense that time. 
Recently on XXXX XXXX XXXX I received a notice posted on the door to contact XXXX XXXX XXXX XXXX. Upon contacting XXXX XXXX I found the Citicorp loan had been sold to them in XXXX XXXX. I was also told the loan was in default, and going to foreclosure by the end of the month. 
I was angered because I had been making payments as agreed. I was also angered because I never received a notice of transfer to another entity even though Citicorp XXXX XXXX had my phone number correspondence. 
Meanwhile I have been making payments all along, and in the rears {$13000.00}. 
WHERE DID THE MONEY GO? XXXX said they do n't have it. XXXX XXXX says they sent it to Citicorp XXXX, and have provided documentation showing payments going back 18 months. I would like my money NOW! I 'm out over {$13000.00} I am faxing you the following : Marriage Certificate Death Certificate Grant Deed ( XXXX XXXX to XXXX XXXX and XXXX XXXX Joint tenants ) Affidavit of Death of Joint Tenant Grant Deed ( XXXX XXXX XXXX to XXXX XXXX XXXX and XXXX XXXX Joint tenants ) Old fax Cover Written Communication between Citimortgage and XXXX XXXX XXXX XXXX & XXXX Property Profile Payment, Amount & Date Plus Internet Verification of Payments from XXXX XXXX Partial Hopefully we can settle this without litigation. It seems so simple, money sent to you what did you do with the money?
Consumer complaint received 2016-03-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: The Leviton Law Firm, Ltd. (IL)

I was approached via phone and email by a collection agency posing as a law firm in the collection of a debt from my business. They offered little detail about the identity of the debtor and used words that indicated they were representing a law firm. 

In an email they sent to my personal email address, the subject matter was " XXXX CASE # XXXX '' The collection firm represents themselves as The Leviton Law Firm and is using a false representation by implying they are communicating with me as an attorney. Their tactics are aggressive and not consistent with the Fair Debt Collection Practices Act.
Consumer complaint received 2017-01-27
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (MI)

I paid this debt in 2013. I have repeatedly told this company i do not owe them money but they continue to send me harrassment letters and threatening me with jail time and check fraud. I did none of theses! Here are my payments made XXXX/XXXX/2013, {$200.00}, Confirmation # XXXX XXXX/XXXX/2013, {$200.00}, Confirmation # XXXX XXXX/XXXX/2013, {$180.00}, Confirmation # XXXX
Consumer complaint received 2016-12-04
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Midwest Recovery Systems (MD)

Midwest Recovery Systems reported a collection debt to my XXXX and XXXX credit file in XX/XX/XXXX for {$790.00}. I never received a 30 day disclosure of any collection activity. When I called them on XX/XX/XXXX after finding out this debt was placed on my credit file by XXXX XXXX, I could not reach a person and only heard advertisements for switching phone service, etc. 
It appears that the debt was sold from another collection agency (? ) to Midwest Recovery Systems. Midwest Recovery Systems has violated federal law by not sending me a 30 day notice to validate the collection to my address on file with XXXX and XXXX. This caused my credit score to drop at least XXXX points and possibly up to XXXX points. I intend to seek full restitution and damages if this is not removed from my credit file immediately. I 'm almost positive the debt was originally incurred in XX/XX/XXXX/XX/XX/XXXX, which would make the debt 8-9 years old now which is well past the statute of limitations. This is an illegal practice of debt selling and manipulation that violates the FCRA. Furthermore it can not be reported beyond 7 years. If a collection company can report to a credit bureau then they can sure pull my current address to send me a letter regarding a debt. This item needs to be removed immediately from my credit file so my family can buy first house.
Consumer complaint received 2015-08-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (GA)

I first disputed unverified items on my credit report on XX/XX/2015 with Equifax and mistakenly did not include my SSN card. I sent this certified and via fax. I received a letter on XX/XX/2015 requesting the documentation. I once again sent this information out via fax and certified mail, ( including my ID, SSN card and proof of address ) on XX/XX/2015 and once again received the same letter requesting for my ID, SSN and proof of address to be sent to them. I also received a letter on XX/XX/2015 stating that my fax was illegible, which I take to mean that the picture of ID that was sent was illegible. Unfortunately, pictures do not come through well via fax, which is why I sent everything certified each time. My issue with this is that after I resent everything and they confirmed it was received, they said that my SSN card was not in there. It was and I have proof of this as you can see in the fax that was sent. I also sent a debt validation letter for a bankruptcy on my credit and received a letter on XXXX stating that chapter XXXX bankruptcies stay on file for a specific period of time and to contact the court which posted this. According to my rights afforded to me pursuant to the FCRA, the CRAs are required to provide documentation to validate disputed accounts when I demand it. My written request for this was absolutely dismissed. I am getting the run-around from Equifax regarding my credit report and my rights are being violated. I also received a letter from Equifax stating that further disputes regarding one of my accounts will be ignored and is considered frivolous, although I have disputed this account only once in the passed and received no proof at that time either. I required proof of these accounts or they must be deleted. I am fully ready to take this to court if I must. 

Please see attached documentation.