davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NC)

On   XX/XX/XXXX   I brought a  XXXX   XXXX   XXXX  from  XXXX   XXXX   XXXX  in   XXXX   XXXX   I had just joined the  XXXX  and was heading to  XXXX   XXXX , California to be  XXXX . Within the first week of having the car, I had to take it back to dealership  five ti me to get work done on it. I got tired of doing that I contacted their big man in charge, he informed me that they were not suppose to sell the car because it was n't ready to be sold, on top of that, the Lady who sold the car to me which later I found out fired, told me that I had GAP insurance and come to find out I didnt, the reason she got fired was because she did alot of lying. I currently still have the car.     I have tried to do numerous times to get them to work with me and they never would.     In   XX/XX/XXXX ,  I got stationed in  XXXX ,  XXXX , I have my mother Power of  Attroney fo r my car after I tried to turn the car back in after having some many issues with it and I was told I can not turn it in, and they would conta ct my commanding officer of my command if i  did. So while in  XXXX  my mother had POA because we would be on  XXXX  alot and communication is not the easiest, they did not want to talk to my mother so they wasnt receiving payments because they did not want my mother doing it and they wanted to talk to me which was impossible.     While on  XXXX  about a year,  XXXX   XXXX   XXXX  decided to set up a court date and we turned in all paperwork stating I was on  XXXX  and that I could not come to court for missed payments, so they garnished my wages and currently is still garnishing my wages for the full amount of the car not just the past due which totally incorrect. From my knowledge, if someone is on  XXXX  and can not make it to court they can not do that and that if my wages are being garnished they are responsible for providing me with a monthly statement of how what my balance is and I have yet to receiv e one in  the year that they have been garnishing my wages. Everyone I have spoke to about this company talks about how unprofessional they are how they just try to get over on service members. Please help me, they are ruining my life.
Consumer complaint received 2015-12-30
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CASHCALL, INC. (CA)

Nonstop calls. I probably receive 3-5 calls a day from them with a blocked id. I blocked all visible numbers on my phone, which consisted of probably XXXX numbers so now they are using the blocked id numbers, which I ca n't block. I answered once and asked them to remove me but that did n't help in the slightest. No idea how to stop them.
Consumer complaint received 2016-06-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MO)

I opened a new CitiGold Checking Account with Citibank in XXXX of XXXX under a promotional offer XXXX XXXX XXXX ) for XXXX XXXX XXXX miles after completing a number of steps. After completing all of the necessary steps, which included paying a certain number of bills and spending over {$1000.00} on the debit card, and receiving written confirmation that I had completed the requirements, Citi still has not deposited the miles into my account. They are currently XXXX days overdue per the written confirmation I received in XXXX of XXXX. I am submitting the complaint because I feel like I have been bait-and-switched into opening an account with Citibank. Though they keep assuring me the " issue has been escalated '', I do n't have faith that they will carry through on their side of the offer.
Consumer complaint received 2017-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LJ Ross Associates (CO)

On  XXXX   XXXX  I was informed  that lj Ross and  associates had a collection in my name for {$11000.00} and when I call to inform them the the information that they had was wrong they told me it was not there job to fix the information and to dispute it but if I dispute the information then I would lose the loan for a house that I am trying to get.
Consumer complaint received 2016-11-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (AZ)

Chase Bank restricted my account, without any notification to me. Then says they are going to close it. When I called on XXXX, the lady implied that the closing of my account would be in a few days. Then I 'd receive a cashiers check in the mail within XXXX to 10 business days. I called in today to get a status and the lady told me pending the closure of my account, I 'd receive my check in XXXX to 10 business days. I demanded to know when my account would be closed by Chase and she said it 's scheduled to close on XXXX XXXX. Then in XXXX to 10 business days from that date, they will mail my check. All my money is in there, I have no resources to pay my portion of rent, food, gas, ANYTHING. I did not want to close my account, I have no idea why this is happening. This is unjust and they are going to put a family on the street and can not even give me a reason why they did this. Nobody has the right to hold ALL someones money.
Consumer complaint received 2017-02-24
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (NJ)

I do n't know how to answer the preceding question and it appears irrelevant. 

I printed the form on the CFPB 's website to request a free annual credit report from all XXXX main credit agencies, completed it and mailed it to the address indicated several weeks ago, via certified, return receipt USPS delivery. I got a letter from Equifax that falsely claims it did not receive information just submitted, such as my address. It further demands my social security number and birth date. I have received copies from all XXXX major credit reporting agencies at the address provided since 2001, for well over 15 years. The credit bureaus are so out of compliance with existing laws and they have caused me so much damage with lost credit and higher costs of credit, that they should be required to send me my credit reports to the same address they have sent them to for years, but only AFTER the CFPB forced them to give me copies of my credit reports. A recent pull of my credit report from Equifax and XXXX by XXXX XXXX XXXX XXXX indicates that my credit score has dropped precipitously and could hurt my ability to get a mortgage loan or at the best possible price. In the past, both of these credit bureaus have repeatedly carried false information in my reports that have injured my ability to get financing at the best possible rate. Equifax has acted hostilely to me for years, with little or no consequence and can not be trusted. Furthermore, they are not entitled to record, keep or provide my social security number and birthdate to third parties, yet they do so relentlessly against my written directions to cease and desist from doing so, exposing me to unwanted risks to my privacy, identity theft, cyber crime from all over the world, and enormous, unwarranted, credit difficulties.
Consumer complaint received 2017-03-20
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: MARINER FINANCE, LLC (DE)

Obtained a boat loan from XXXX. During the course of the loan, Mariner Finance bought the loan. Paid off the loan in full over a year ago. Mariner finance refuses to give us the title to the boat and claims that XXXX never gave it to them. We are owed the title upon payment. I am XXXX military and I am unable to do anything with the boat ( to include sell or move it ) without the title. This has been ongoing for more than a year.
Consumer complaint received 2015-08-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (OH)

Property was recently determined to be in a special flood zone requiring flood insurance. It is XXXX loan and according to their servicing guide the insurance requirements are as follows. 
Coverage for XXXX MortgagesThe minimum amount of flood insurance required for most first mortgages secured by one- to four-unit properties, individual PUD units, and certain individual condo units ( such as those in detached condos, townhouses, or rowhouses ) is the lowest of : 100 % of the replacement cost of the insurable value of the improvements ; the maximum insurance available from the XXXX XXXX which is currently {$250000.00} per dwelling ; or the unpaid principal balance of the mortgage. 

Additional requirements for units in attached condo projects, co-op projects, and PUDs are detailed in Requirements for Project Developments below. 

For a HomeStyle Renovation Mortgage, the flood insurance coverage should be in an amount equal to the " as is '' value of the property. This coverage must be increased, if necessary, following completion of the renovation work to ensure that the coverage meets XXXX standard coverage requirements. 

The property is neither a condo or PUD. My mortgage servicer, CitiMortgage, is requiring flood insurance per Citi 's guideline which is 80 % replacement of value and as a result which costs nearly XXXX times as much as the insurance required by XXXX. Have called Citi several times to resolve but they insist on charging the higher amount. 
Payment is jumping nearly {$200.00} a month for this extra insurance. I thought there are controls in place to prevent this kind of payment shock.
Consumer complaint received 2016-04-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Aargon Agency, Inc. (VA)

Aargon Collections ( XXXX ) calls my work line ( XXXX ) on a daily basis. They ask for someone who is n't mean and I do n't know. I have used the automated system to say it 's not me. I have told numerous live operators it 's not me. Yet they still call. I talked to them again Friday and warned them I 'd file a complaint if they called again. They too promised I 'd be taken off the list, and yet I got another call today.
Consumer complaint received 2017-02-15
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION (OH)

Sallie Mae did not send my XXXX statement. They sent a letter stating that i paid {$3900.00} and {$11000.00} in eligible interest but the letter was to my co-signer and it says that the borrower has to obtain a copy of the XXXX but I the borrower was not able to log in to the website to print it because i am no longer a customer and she stated that i did not pay any interest off and that the loan was simply paid off.
Consumer complaint received 2015-09-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (CO)

I 'm an XXXX representing a gentleman who has a mortgage with US Bank. The home went into foreclosure XXXX 2014, 20 months ago. Twenty months ago. The home is no longer in foreclosure because the lender has failed to prosecute the foreclosure. The lender does not even realize that it is *no longer in foreclosure* due to its own delays. My client and I spent XXXX minutes on the phone with US Bank today. We were transferred many times, asked the same questions many times and, in the end, told that it could not assist us. It referred us back to the foreclosing attorneys with whom we spoke yesterday. The foreclosing attorney noted that it had no information on the property other than the fact that it was in foreclosure. It is *not* in foreclosure. US Bank took too long to prosecute the foreclosure and the Public Trustee removed it from the process In Accordance With The Foreclosure Law. All my client wants to know is what does US Bank intend to do? Instead US Bank insists that the property is in foreclosure and has referred me to the foreclosing attorney. Truly going round in circles here and both the foreclosing attorney as well as US Bank are well aware that it has engaged in a run around with my client. Consumers should not be treated in this fashion. 

XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX, CO XXXX
Consumer complaint received 2017-02-12
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (OR)

My mortgage was sold last year to XXXX XXXX and is processed via Loancare. As of XX/XX/XXXX we qualified to have our mortgage insurance, which is about {$200.00} a month, dropped off our mortgage payment. Loancare told me how to request that this insurance be dropped. I followed their instructions and had no response. I tried again and had no response. I have spent hours on the phone trying to work this out. Sometime their people do n't know what I am talking about other time they can see that I have sent in the request and that no one has done anything about it. I have since looked up this problem and it seems like lots of people are having issues with their mortgage via Loancare in the last month or so. I feel like they might be scamming people out of lots of money.
Consumer complaint received 2017-02-14
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA (PA)

XX/XX/XXXX, my wages were garnished without the required 30-day notice or the opportunity to request a hearing. I was informed by PHEAA that the notice was mailed to an address at which I never resided. However, I followed all procedures to enter the loan rehabilitation program. XX/XX/XXXX and XX/XX/XXXX, I repeatedly contacted PHEAA to inquire about my repayment plan as I was no longer receiving bills and did not know the status of my loan. I was experiencing a financial hardship following a divorce involving XXXX, a lack of child support payments as a single parent of XXXX, and then after moving a safer location. I applied for the loan rehabilitation program again as advised by PHEAA, but was rejected after applying multiple times. XX/XX/XXXX, I received notice from my employer that PHEAA was garnishing my wages. I had received NO other notice and, again, did not have the opportunity to request a hearing. I contacted PHEAA again and was told that the XX/XX/XXXX notice of garnishment ( which I did not receive because it was sent to the wrong address ) was sufficient so I could no longer request a hearing. PHEAA told me my previous applications for loan rehab were rejected because I had a spousal consolidation that required a financial disclosure from my former spouse. Although I had submitted a judgement stating that I was responsible for the student loans, I could not apply for rehabilitation without my former spouse 's cooperation. Had I been informed of this from the beginning, I could have tried having him compelled to cooperate during our court proceedings and possibly avoid garnishment, which is now causing additional financial hardship. I have provided PHEAA with the information they have requested multiple times, but each time I have contacted them, I 've been given information I 'd never received previously or asked for information I 'd never been asked for before. Their tactics have stalled and prohibited my chances of entering into an affordable payment plan, and I 'm now losing approximately {$1200.00} per month, which is a hardship for a single parent of XXXX young children. I can not afford after-school or summer child care, which will impact my job. I have already paid almost {$20000.00} in interest and almost {$5000.00} toward the principal on $ XXXX of loans, yet I now owe over $ XXXX. I 've made large payments, when possible, but of course, most of the payments were applied to the interest only. PHEAA now tells me I have no options to rehabilitate because my former spouse will not cooperate, yet I can not afford to provide for my children and pay all bills with this garnishment.
Consumer complaint received 2017-05-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MT)

I was repaying my student loan to navient in which it was  XXXX  intereste. I ended up with  XXXX  and had a  XXXX . I needed to call them to reschedule and keep the  XXXX  interest with the payments I was making, I unfortunately was unable to call them so they now have raised it to 10 % and over {$15000.00} and interest was added. I borrowed  XXXX  and I know all them  XXXX . The cosigner is my husband we are willing to make payments I am on  XXXX  but they will not lower back down to 4.0 % interest
Consumer complaint received 2017-05-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (LA)

XXXX  ,2014- $   XXXX  - as k  XXXX   XXXX  to remove this off my credit report because this account is past 7 years and n o one  call me,
Consumer complaint received 2016-06-04
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (PA)

On several occasions, I applied for payday loans to help myself out of temporary financial downfalls that I had experienced for several years. 

I paid off each payday loan, but these payday loan companies applied high fees, service charges and interest charges that they did not make me aware of in the first place. I think it was so they could just make the sale of the loan to me without informing me of the stipulations of those loans. This seems to be common practice among these unethical companies. 

In the end, with all of the payday loans I had applied for and paid off, I was scammed out of over {$800.00} in fees, service charges and interest charges that I should not have been responsible for because of their unethical business practices. 

Also, I think it would only be fair for me to receive additional money damages due to the harassment I received from each payday loan company and the subsequent XXXX I had experienced since they harassed myself and my family, threatened to put me in jail, cease my property and investments and garnish my wages. This additional amount can be to your discretion, but I feel that I should be entitled to at least {$20000.00} from all of the fear, intimidation and XXXX I had experienced. XXXX XXXX run in my family and this has all taken its toll on me.
Consumer complaint received 2017-02-11
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP (NC)

This Bank is preying and profiting on peoples attempts to rebuild their credit. My story is similar I thought my year was upcoming then I received a Savings Account Statement showing my Secured Deposit - so I called Their customer service is the most untrained, rude I have ever spoken to I inquired did if I received statement as my year was up, she replied yes - no answer when I pointed out it says nothing to that effect anywhere-Then when I asked how to get my deposit she said I could apply for unsecured or close account?? So I asked min qualifying score she said XXXX she thinks??? I said I wanted to cancel then and have my money refunded to which I was told today is XXXX XXXX you cant to anything after XXXX XXXX so I called back morning of XXXX XXXX and this time I was told if I wanted to cancel account I had to do it in writing and the {$29.00} membership fee I was also just charged was NONREFUNDABLE?? I asked if she couldnt waive and locate the documentation of my call two days earlier requesting cancel NO it does not matter your account will not officially close for 60 days FEE STANDS. Anyway the result of my year with USBANK consisted of the following I lent them interest free my deposit ( and contrary to website did not pay interest to me on Secured Deposit ) they held my money for a year, charged me interest and also by their methods that are NOT stated in any paperwork or on website I could find they either deny Secured Card or waiting another 60 days for refund and being charged for a year membership fee! The only effect for this card is NEGATIVE but I have during the year gotten unsecured cards - no membership fee I have reviewed all paperwork and website and this 60 day wait or process regarding refund of security deposit or procedure is not posted nor was it sent to me.
Consumer complaint received 2017-03-03
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (CA)

Recently, I received letters from Citi Bank 's Credit card department saying that my all 4 credit card accounts were closed by Citi bank on XX/XX/2017. They did not provide a valid reason. The letters only stated " Pursuant to Our Card Agreement, we have the right to close your account at our discretion anytime without prior notice. We have chosen to exercise this right. '' I felt like I am being discriminated. I have been with Citi Credit Card for more than 15 years. I made payment on time. I never spent over my credit line. My credit score is above XXXX. 

I called their customer services many times and no one can address my problems. I was asked to only send questions to their Executive Response Unit by mail.
Consumer complaint received 2017-01-30
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: IQOR US INC (WA)

Allied Interstate has been calling my cell phone from an automated dialer several times a day several times a week, and even after making contact with me, they still call me back to back. They will not disclose any information about their company when asked very specific questions such as : 1. What is your phone number so I can call you back? They will provide an XXXX that does n't come up on caller ID and outsourced in XXXX based on the little info I could get from them. 

2. Would not provide a website to confirm who they are? They are asking me for all this info and not disclosing themselves properly and giving false info. 

3. Will not identify themselves and the nature of their business when asked.
Consumer complaint received 2017-03-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (AL)

Navient services both my Federal and private student loans. On XX/XX/2017, I wrote a check in the correct payoff amount for my smallest private ( consolidated ) student loan, using the directions on their website. I included a letter instructing them exactly which loan I was paying off. Navient cashed my check and did n't post the payment. I called them and the representative told me to get a copy of my bank statement and upload it to their website. I uploaded my bank statement showing where they cashed my check and also uploaded another copy of the letter with my instructions on which loan to pay off. They posted the payment, but they did not pay off my loan. They spread my payment out over all of my Federal loans, instead of following my instructions. I called them again on XX/XX/2017, spoke to a representative named XXXX, and explained to him that my payment was not applied correctly. He told me that he would put in a request to have the payment adjusted and it would take one week. Today is XX/XX/2017 and the payment mistake has not been corrected.