davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES (WA)

I believe my consolidation loans have been manipulated to the benefit of the banks by approximately {$20000.00} over the life of the loan, contrary to what I would have agreed to. 
I consolidated my loans XX/XX/XXXX. Originally serviced by XXXX XXXX XXXX, now Great Lakes. I honestly do n't know what the exact terms of the loan were at the time, I am trying to obtain documents but keep getting denied. I 'm guessing I would have set-up a 15 maybe 20 year loan. I started paying as soon as I could, I always paid as much if not more than they asked of me, but what I did n't realize is that I was barely covering interest each month : from XX/XX/XXXX - XX/XX/XXXX an average of about {$65.00} towards principal vs {$300.00} interest. Using the interest rate and the payments I was being charged the duration of the loan would have been over 27 years. When Great Lakes bought the loan in XX/XX/XXXX they did n't change anything and in fact the first XXXX payments had a grand total of {$22.00} applied towards interest. XX/XX/XXXX I had a late payment ( my wife forgot to pay ) and at that point someone from Great Lakes contacted me and told me that my loan " would n't ever get paid off at that rate. '' I was just so shocked I said yes, change it and even made double payment the following month. At that point they structured the loan right at 20 years. This leads me to think that my original agreement would have been at 20 years. 
So, more than 5 years into the loan I 've only paid down the principal by {$4300.00} ( excluding {$800.00} in extra payments I 've made since XX/XX/XXXX ). A simple loan calculator shows that a 20 year loan with these interest rates and no extra payments should have {$9700.00} of principal paid. Seems like this situation should be illegal ... I would n't have agreed to it and Great Lakes would have continued to benefit at my expense had I not decided to double check their work.
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated and corrected. 
XXXX XXXX XXXX XXXX : {$16000.00}
Consumer complaint received 2016-02-17
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Cascade Capital, LLC (CA)

I had incurred a pay day loan 15 years ago in 2001 and I have n't had a debt since. I filed bankruptcy and this debt was covered in the bankruptcy. However, this debt collector continues to send me letters and places numerous phone calls to my phone and I 've asked them to seize. Firstly, the debt was over 15 years ago, and secondly they are not authorized to collect on this debt and thirdly this was dismissed in bankruptcy over 13 years ago.
Consumer complaint received 2015-03-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Genesis Lending (OH)

I took out a loan through Genesis for an education through XXXX XXXX, XXXX, Oh. Under the sale of the debt there was to be a 40 % reduction in my loan. Nothing has been done. At this time this is my complaint. A detailed complaint regarding my federal student loans will be forthcoming as well.
Consumer complaint received 2016-07-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NC)

I opened a Citi bank " Citigold '' account by using a promotion code stating that I would earn XXXX Citi Thankyou points if I completed XXXX qualifications : {$1000.00} dollars spend in the first 3 months and a bill payment in consecutive months for the first two months. I completed these requirements in XX/XX/XXXX. The agreement with Citi stated that I would receive my Thankyou points within 90 days after the month that I completed the requirements. I have written confirmation from Citi stating that the Thankyou points would be deposited in my account by XXXX/XXXX/2016. The points should have been deposited by XXXX/XXXX/2016, but I have written confirmation stating XXXX/XXXX/2016. I have tried numerous times to get Citi to honor this promotion. I have made multiple calls and asked to be put in touch with a supervisor. I have asked that a member of the executive team at Citi call me back on 3 occasions. Each time I have been promised a call back within 24 to 48 business hours. I have yet to receive a phone call from anyone. Ultimately, all I want is Citi to honor this promotion.
Consumer complaint received 2016-02-05
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CITIBANK, N.A. (TX)

XXXX XXXX sued me for a debt I do not owe in XXXX County Texas per case number XXXX. They had no verification to support the lawsuit other than a computer printout with my name and an address I have not lived at in many years, an incomplete account number and many pages of generic documents that did not apply to the case at all. Prior to court, I requested a verification of debt and they sent the same printout. They did not verify anything with the original creditor. They voluntarily dropped the suit on XXXX XXXX, 2015 but it remains on my credit report still. This issue has been on my credit report for years and has caused me to incurr high interest rates on many occasions. The least they could have done is to stop reporting a debt that is not valid to credit reporting agencies.
Consumer complaint received 2015-03-26
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A. (NY)

On or about XXXX XXXX I have been sending Letters to XXXX and XXXX with respects to reporting my Bloomingdale 's account 60 days late, when in fact it was not. Each response I received was that it was " previously verified ''. 
I also made contact with Bloomingdale 's in XXXX XXXX, and spoke with a customer service representative requesting that they investigate this information and to date this matter has not been resolved. 
Bloomingdales and XXXX are reporting my account 60 days late when in fact it was not. Each letter sent is being responded as " verified '' I made numerous calls and attempting to clarify this and they have not made any resolution. I have explained to the customer service representative how can I be " current '' in XXXX and " XXXX '' days late in XXXX XXXX. In addition, on or about XXXX XXXX, XXXX I spoke to a representative by the name of XXXX which informed me that they will issue me a credit for {$1100.00} for billing me for a credit protection program I never signed up for. I was further instructed that I do not need to make my monthly minimum payment of {$110.00} since I was being issued a credit for the above amount. On XXXX XXXX, XXXX, I received an alert from my creditreport.com stating that I was late 30 days with Bloomingdale. 
I immediately contacted Bloomingdales and explained to them what I was instructed and have I know I would have been marked " 30 days '' late I would have made my payment. XXXX XXXX XXXX advised me that I need to pay {$110.00} and then they will issue me a credit for {$18.00} when I got charged {$35.00} late fees. I was also instructed that I would need to pay the full balance due of {$170.00} in order for Bloomingdale 's to remove the item from my file. I explained to the representative that what they are doing was forcing me to pay for a balance that is not due. My XXXX bill is due XXXX XXXX, XXXX. 
Bloomingdale 'sXXXX and XXXX is defaming my character and adding incorrect information on my credit file when in fact it is not accurate. I have been a customer since XXXX XXXX and have always made my payments timely. This adverse information on my credit file is not showing any potential lender my ability to make payments timely. Bloomingdale 's is merely abusing their authority by placing invalidated information on my file. 
Bloomingdale 'sXXXX and XXXX, act by reporting inaccurate information to my file constitutes fraud under both Federal and State Laws. Due to this fact, Bloomingdale 's, XXXX and XXXX has violated the Fair Credit Reporting Act ; Violation of the Fair Debt Collection Practices Act and have Defamed my character. Simply matching numbers in a database is not sufficient in validating a person 's account. In addition each inquiry to validate a complaint should be treated as a new complaint not only to indicate to a consumer that the matter was " previously verified ''. I am requesting that these negative items be removed from my file.
Consumer complaint received 2015-10-02
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (WI)

Citimortgage will not refinance or reduce our 9.5 % interest rate XXXX mortgage because of a " perfect storm '' of issues including ... .the date we purchased our home/took out loan, the fact that we are " upside down '' in our mortgage and the fact that we remain current on our loan. 

I have tried multiple times to get Citimortgage to refinance or reduce our interest rate to a more reasonable and current interest rate. They continually refuse citing the above reasons. 

We make our payments on time, but the payments go almost exclusively to pay the interest and we get no where on paying off the principal. 

I realize we are their " cash cow '' so they have no desire and do n't meet their " criteria '' to assist us, but the interest rate is grossly unfair and so far off the current rates.
Consumer complaint received 2016-04-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (CA)

I have an existing home loan with CitiMortgage. I have automatic payments made from my credit union on the XXXX day of every month via a bill-paying service. 
I was charged a late fee of {$48.00} in XX/XX/XXXX because my payment was received on XXXX XXXX ( it is due by the XXXX ) My credit union statement shows that the payment was deducted from my account on XXXX XXXX. 
I checked with the bill-paying service, and they sent me a " proof of payment '' document showing that the payment was RECEIVED by CitiMortgage on XXXX XXXX at XXXX XXXX. 
CitiMortgage appears to be charging a late fee on a payment that was NOT late!
Consumer complaint received 2016-11-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (VA)

Sign up for a Citigold account for sign up bonus of XXXX XXXX XXXX XXXX miles if XXXX ( XXXX ) bill payments were completed. The account was opened XXXX/XXXX/15. Used bill payment on XXXX several times and in XXXX Several times. It was confirmed by a representative that all requirements for the promotions were met. They asked for the frequent flyer number so the miles could be awarded. I never received the miles. the account was closed as well ...
Consumer complaint received 2015-09-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (FL)

Our mortgage company continues to harass and threaten us despite the fact that we are current with our mortgage and hazard insurance payments. We have sent them several letters with proof of payment yet they continue to send monthly harassment letters. My Husband and I suffer from XXXX health problems and the stress from Citi Financial is becoming unbearable.
Consumer complaint received 2017-02-01
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (VA)

XX/XX/XXXX I hired XXXX online company to help with marketing of my consulting business. This company`s CEO promised that they will create webinar to generate customers and they will also create affiliate system that I can find partners for marketing. This company created webinar but not for one month as I expected. It took 5 months to do that and only under the pressure from me to finish the job. They charged me every month for {$750.00} and in total I paid {$3700.00} but they did not delivered Affiliate marketing system. 
I contacted Citi Card Company and opened dispute with this provider. The card responded with conditional credit and started long investigation. I sent packages with proof of my claim 3 times and I called to company at least 10 times! Every time when I called I talked to a new person who would tell me totally wrong things. One of them said that my dispute was resolved to my benefits and others did not know anything why it was resolved to provider benefits. 
They finally decided the dispute to provider`s benefit and reversed my conditional credits. They reversed all of them but they did not t even inform me about the outcome of this case. I spent 1 year trying to get money back as it is damaged my small business. I think that Citi card should work faster and better to protect our money from fraudulent providers. 
I found out that on XX/XX/XXXX I was charged by XXXX for {$750.00} dollars again. When I called to Citi card they told me that it is them returned their money for conditional credit. As far as I know all conditional credits were reversed before that. And XX/XX/XXXX Citi charged me again for {$750.00}. It is almost 1,5 years after the beginning of dispute and 1 year after the end of it! 
Please, help me to protect my account from continued charges from Citi card. And teach them how to do dispute job as this process is exhausting and frustrating. I told about that many times but no results.
Consumer complaint received 2016-10-05
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (VA)

Upon reviewing my charges on my Citi Diamond Preferred Card, I noticed that my interest charge was higher than the previous months ' charges, despite any new significant purchases and the balance was being payed down. I sent a message via the online account managing center to explain the discrepancy. I promptly received a standard response on how interest on a credit card works with no attempt to even address my issue. I angrily responded, attempting to clarify my issue. I received another response, this time with only the last XXXX digits of my credit card number and nothing else. 
I then called CitiCards and was promptly hung up when a representative answered the call ( they know who I was during the automated phone prompts ). I called a second time and spoke to a representative who very confusingly mentioned that I was under a promotion that ended and that my interest rate changed. I did not sign up for any promotion and asked the representative whether or not it was legal for them to just change my interest rate without my permission or notice. The representative then denied that my interest rate went up and again attempted to explain a very simple question, and could not do so. I asked when the promotion went into effect and the representative put me on hold for at least 20 minutes. During this time, she would check with me to see if I was still on the line and I answered in the affirmative. Finally, she came back on the phone to check if I was still on the line and then pretended that she could n't hear my responses and then disconnected the call.
Consumer complaint received 2015-11-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (MD)

On XXXX XXXX 2015 I realized that I might have problems paying Suntrust mortgage because the house was struck by lighting. I called and spoke to representative who transferred me several times and they completed a three way call with XXXX XXXX XXXX to provide a credit to cover the XXXX 2015 payment. A three way call with all parties stating they recorded and banking info provided to debit the account. XXXX XXXX XXXX agreed and said they would credit it and then receive the payment from me XX/XX/2015. Suntrust sold the loan to XXXX and never pulled the XX/XX/XXXX payment as agreed, Did n't apply the XX/XX/XXXX payment that I paid and submitted information to XXXX that my last payment was in XX/XX/XXXX with no insurance on the home even though it is attached to the mortgage. I only found out when XXXX sent me my first statement requesting proof of insurance that no payment had been paid to my account. When I called Suntrust they said they have no record of it even though my Bank account shows the opposite. XXXX XXXX XXXX has provided documentation twice to them. XXXX is now my primary mortgage company which a payment was made but my credit and late fees had taken a negative hit due to their negligence because they violated RESPA. XXXX said they have until XX/XX/XXXX to fix the situation which no current statements show any progress. Since they did not pay any payment I am now 2 months behind instead of current which will be currently eventually but not for a while. Suntrust has also refused to take any responsibility since they no longer own the loan.
Consumer complaint received 2016-10-18
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (SC)

I have a rental house located in XXXX XXXX XXXX, XXXX. I also have a mortgage with Sun Trust Bank for that house since XX/XX/XXXX. I 've always paid my mortgage and never late until this past XX/XX/XXXX. I ca n't afford to pay the mortgage anymore. I attempted to refinance the mortgage XX/XX/XXXX with a credit of over XXXX at the time I thought it would be easy. I filed the application and processed through the whole mortgage thing only for Sun Trust to tell that there is a XXXX lean on my house from the City of XXXX XXXX XXXX.I was told pay it off and will move forward, so I called the City of XXXX XXXX XXXX and they searched their files for leans and I was told there is no lean on XXXX XXXX XXXX XXXX house owned by me XXXX XXXX. I contacted Sun Trust and told them what the City told me that there is no lean on my property. Sun Trust refused to move forward so I said I 'll something in writing from the City but I told no pay it or we move forward. That was it the mortgage was to high and I could not afford it anymore. XX/XX/XXXX I stopped paying my mortgage so Sun Trust said they 'll send me a loan modification packet which they did, I filled it out and returned the packet only for Sun Trust to send my loan to a collection company called XXXX located in XXXX. I attempted to contact Sun Trust and was told to talk to XXXX. XXXX sent me another loan modification packet and told me to fill it out. I said I just sent one in to Sun Trust I was told I 'll have to send another one to them. I again filled out this lengthy application with all my info and XX/XX/XXXX tax returns. Nothing happened for about a month then XXXX sent me yet a third loan modification packet and said I had fill this out again, of after yelling and screaming as to why do I have to fill out XXXX of these I was told if I want help then this is the process. I filled out the tired loan modification application and sent it back, if you can believe it the customer service female told that this is what XXXX does on a recorded line. Now I just yet another packet which I refuse to fill out. I have an investor from XXXX that wants to purchase the house as a short sale and I said great, but I can not get anyone to help me at XXXX. I called XXXX today and left a message for the person in charge of my case relationship manager XXXX teller # XXXX to call me but she never called back. I guess their stalling for time and will try and foreclose on the house since it has about {$30.00} in equity. This is the game that is being played by Sun Trust and XXXX. I need your help with this situation. the loan on my Sun Trust mortgage is ( XXXX. ). SLS XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX
Consumer complaint received 2016-06-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (MA)

Effective XXXX XXXX, 2016, XXXX sold my mortgage to SunTrust Mortgage. Initially, I received a note from SunTrust that my account number from XXXX XXXX would remain unchanged. I later received a note from SunTrust that I was given a new account number. I changed the account number in my bank 's automatic payment, and through a snafu, the XXXX 2016 payment was not sent to SunTrust. I was unaware of this until I received a notice from SunTrust that my XXXX 2016 payment had not been received, so I was to make a double payment that was for XXXX and XXXX 2016. I received a bill for the two months of XXXX and XXXX in the amount of : {$2500.00}. I made that payment on XXXX XXXX, 2016 - to cover both XXXX and XXXX. Yesterday, XXXX XXXX, I received a note from SunTrust that they had not received my XXXX payment. I went into my bank account and the payment for XXXX and XXXX had been sent on XXXX XXXX. I called SunTrust, and during my 58 minutes on the phone with 3 people I learned that SunTrust had made the following mistakes : 1. ) They applied my XXXX payment to my principle, rather than to my mortgage payment. This happened even though they sent me a bill for {$2500.00} and I paid exactly {$2500.00}. 2. ) I further learned that my XXXX payment was also incorrectly applied to my principle! They received my XXXX payment on XXXX XXXX, 2016. The first error was now compounded by a second error. I was told that they would correct that issue and respond back to me today. I am extremely concerned that my credit, which is super, will be negatively impacted by these SunTrust errors. I would like to have this checked out, as I notice that there are a number of online complaints that indicate that SunTrust misapplies monthly payments to the mortgage principle and then sends out notices to homeowners that they are late with their payments. This is either incompetent or fraudulent.