davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-22
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TMX Finance LLC (TX)

I contacted Titlemax of Texas d/b/a Titlemax to obtain an auto title loan on my XX/XX/XXXX chevrolet silverado XXXX L/S pickup for the sole purpose of paying off a title loan from another auto title loan business and used to proceeds of that loan to pay off existing financial obligations. The representative at Titlemax approved me for more than I needed telling me that the interest rate and monthly finance payment to refinance the loan were cheaper. So I proceeded to take out the loan, unknown to me at the time I had to pay the entire loan back within the next 30 days or pay the refinance fee plus daily interest and late fees if the payment was made within 10 days past due. ( FALSE ) Titlemax started charging me daily interest on the interest the loan accrued after the payment due date, resulting in a higher payment to refinance the loan. I asked Titlemax if I could pay the loan back in installments to pay the loan off, they refused. I asked Titlemax if they accepted partial payments on the loan again they refused. I asked Titlemax what were my options, they stated pay the refinance fee plus the daily interest and late fees on the loan or pay the entire balance of the loan plus daily interest and late fees or have another title loan business pay the loan off or surrender my vehicle .Titlemax of Texas is charging me interest upon interest on a loan they know I ca n't pay back in 30 days due to the fact I am XXXX and on social security. This action is in violation of the TEXAS USERY LAW. Neverless to seek a resolution to this situation I unwillingly surrendered my pickup to Titlemax of Texas to relieve the burden of the phone calls requesting payment of the loan. When I surrendered my pickup to Titlemax they requested me to sign an agreement with them allowing them to dispose of my pickup without notiftying me of the date and time of the sale. I now have 14 days from XX/XX/XXXX to pay the loan balance plus daily interest, plus late fees plus the refinance fee and daily interest or they will proceed to dispose of my pickup without notifying me of the date and time of sale. PLEASE HELP ME!!!!!!!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2015-06-28
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (NV)

I open account with chase bank in Nevada I had over {$10000.00} in saving and small checking account over {$5000.00} aftera few checks. then I did not have any activity in my account. I let mymoney stay in bank with combined of checking and saving over {$14000.00} I was very busy to remodeling my future property forbusiness I decided to check my account for balance to open newbusiness account. I notice that chase bank was deducting $ XXXXfrom my account every month clos to a year. 
I called the bank. the said they can only give me Three monthsback not any more. go to branch and talk to them. 
I did as they guided me. but the branch did not do anything. 
I had no choice to close my account and lost {$500.00} to chaseBank even the employee first refused to give my money back. 
and close the account for because I told him that I am going tocomplain through face book, internet, any where I can and have myvoice to be heard. then he said now since you said that call thisnumber and get your money from them. I showed reaction. and toldhim you need to pay me now and I have no desire to have anybanking with chase at all. therefore I closed my account with $ XXXXlose and left the bank that supposed to keep my money safe. 
instead they stole my money. I like to know what is my option. 
Please Help.
Consumer complaint received 2016-05-24
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Grant Mercantile Agency (CA)

on XXXX XXXX I have a medical emergency my husband called the XXXX to take me to the hospital when I got better I started to pay all my medical bills that a got in my mail boxXX/XX/XXXX I found that out by checking my credit that I have a collection from grant mercantile agency with the XXXX so I check my medical bills and I never receive any bill from them so I call them and ask them what was goin on and after while I found that our that they where sending the bill to the wrong address I want to setlle this out so they would help me fix my credit but they did n't want to help until I have paid the whole amount wich was from {$1200.00} to over XXXX I do n't know what to do, they did wrong and ruin my credit
Consumer complaint received 2015-05-07
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: Vital Solutions, Inc. (FL)

There name is vital recovery systems I asked for there address because they were calling XXXX to XXXX times a day for a debt I never heard of or owe.I sent them a letter telling them to cease the calls there leaving messages on a business number and stating that they were a collection company using the number XXXX.Now when I pick up the phone is makes it seem like I was placing the call and says " I 'm sorry we can not connect you we are experiencing technical difficulties '' They have harassed me for weeks! The people that call are very rude and sometimes they call back with a false caller ID number from my area.
Consumer complaint received 2016-01-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HW Holding, Inc (NC)

This was a apartment complex called XXXX XXXX XXXX in which I did not receive a bill. I was expecting my deposit returned of {$350.00} but instead they say I owe around {$100.00} that now shows up on my credit report under a collection company called Hunter Warfield. I have sent a letter to XXXX XXXX XXXX either asking for my refund of a detail receipt of the bill in question. I have receive nothing from the company.
Consumer complaint received 2016-05-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (OH)

Navient failed to process my payment timely in XXXX XXXX and again in XXXX XXXX. I consistently pay almost double my payment due and request the overage be applied to the principal. When I cancelled the check XXXX XXXX, XXXX after the payment I sent on XXXX XXXX, XXXX had still not been processed, Navient magically found my check and sent me a letter indicating I did not send the payment to the proper address. The address Navient gave me in the notification letter was the same address I sent my payment to every month including the XXXX XXXX payment. When this same circumstance occurred again in XXXX XXXX, I called Navient customer service and XXXX verified for me there was nothing she could do and no one she or I could contact to address my payment concern. I would just have to pay another {$50.00} to my financial institution to stop yet another payment they failed to process timely and would not acknowledge they even received. XXXX kept assuring me she felt sorry for me but could or would not provide any recourse to solve the issue. She tried to verbally run me around the bush so she would not have to admit I would end up having to pay more interest. It is basic mathematics. Navient is playing games so I have to pay them more money in the long run while they add extra interest for the next payment from principal that would have been paid if the payment was processed timely. It may not seem like much when they do this every so often ; but, when your outstanding loans are significant, this extra adds up. I have followed every protocol and procedure allowed by Navient to be financially responsible and I am being persecuted and punished because Navient is greedy. I made my payments every month even though I did not receive a statement with a payment coupon for XXXX XXXX and XXXX XXXX. I believe Navient was hoping I would not notice and miss my payment incurring late fees and/or extra interest on amounts that would accrue on a higher principal. Navient does not provide a mechanism to pay online and allocate the overage to go to the principal of the loan ( s ) which would provide instant verification the payment was received. The only mechanism currently in place to allocate overage payments to the principal is through paper check with an accompanying letter to signify the borrower 's wishes for the allocation of the overage towards the loan. Navient has consistently disregarded my wishes NOT to advance my payment due date ; also hoping I would not keep paying consistently and reduce the principal on which interest would be figured. Navient consistently engages in immoral and unethical business practices which could be construed as predatory practices meant to harm the consumer.
Consumer complaint received 2019-02-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (PA)

I have been paying back student loans with Nelnet for years. However, in XX/XX/2018 they changed their policies and applied my payments to interest and principal on only one group of loans, instead of both. This made it look like I was paying down much more of the principal according to tax documents filed, and paying less interest than that which was actually accruing. 

But according to their policy, the interest continued to accrue on the other set of loans on the order of over {$2300.00} that year. So, while I paid about {$5000.00} last year into the account, it looks like I only paid interest of {$810.00}. This is simply not true, since the interest continued to build up, they just reapplied it back into the principal. Essentially, I am now POORER because I can not deduct the amount of interest I actually was supposed to be paying all along on my taxes. They claim it helps to pay off my loans more quickly, but that is not true, since both groups of loans have the exact same interest rate, and interest continued to build on the other account, but their policy in place did not apply my monthly payments to that account 's interest. 

This is a terrible policy that ultimately could make a lot of other borrowers poorer in the long run, like myself. This should not happen, and in fact, represents negligent business and loan practices. They told me they could not amend my 1098 E until next year, but the limit is {$2500.00} for interest per year, so even next year, I will not get the benefit of the full tax deduction that should have been in place this tax year. This kind of financial action should be illegal, if it is not already. Please save others from such a fate.
Consumer complaint received 2017-03-21
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WINN LAW GROUP, APC (CA)

Winn Law group placed a levy on our bank account, returned the money when they found it was n't us but have not responded to our many attempts to get all the incurred fee 's ( {$300.00} ) - when we contacted BBB they said to have us call them - they never answer or return calls. after looking into them- there are several complaints about this company yet they 're still in business.. Somebody can just drain your funds, and have no recourse for their error is unbelievable?
Consumer complaint received 2017-02-03
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Synovus Bank (CA)

In XXXX of XXXX I closed my credit card account with First Progress. It was a credit card account which required an initial deposit of {$300.00}. At the time of closure I had a zero balance. I called customer service and confirmed that the balance was XXXX, requested to close the account, and I verbally requested an immediate refund of the initial deposit amount of {$300.00}. The customer service person stated that I would have to fax over a written request for the deposit money to be returned immediately. I faxed over a written request for the immediate return of the initial deposit money. I received confirmation from First Progress on XXXX/XXXX/XXXX indicating that they had closed my account as requested. Greater than eight weeks have passed and to date XXXX/XXXX/XXXX No refund of my deposit has been issued. I am requesting that my refund be issued immediately.
Consumer complaint received 2016-08-05
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (TN)

I have a Citi Thank You card that has had fraud activity on it several times in the last 6 months. The fraud activity is always for the same amount and same place in XXXX. Each time this has happened, I have had to close the card and am issued a new card. I have had XXXX cards since XXXX 2016. The most recent card sent to me ( my XXXX card ) due to fraud activity was activated on XXXX XXXX, 2016. I had it for less than two weeks before there was fraud activity on it. I had to close it was issued another card ( my XXXX Citi Thank You card ). I have not used the card since XXXX 2016 for a doctor 's bill. The card is not registered at any online sites. Yet, this fraud activity still occurs. When I spoke with Citi regarding the most recent activity, I was informed that once I activate the card, I could call and consolidate it with my other Citi card and close the Thank You account. So I did that. But the rep that I spoke to told me that she could n't do it but I could call back on XXXX XXXX, 2016 between XXXX a.m. and speak with a supervisor who could make changes to my account. I called and was denied speaking with a supervisor and was told that a supervisor was unavailable. I called back and was informed that supervisors who can make changes on accounts are only available between XXXX XXXX. This is in contradiction to what I was originally told. I keep getting the runaround and no one is willing to help me. I 'm tired of having to close my Thank You card and activate another one every month or so because of some issue with Citi 's security.
Consumer complaint received 2015-05-29
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: HOVG, LLC (TX)

This collector would not identify themselves or the purpose of their phone calls in any way until I verified my personal information, which I refused to do. I requested they discontinue contact until they were able to identify themselves, but the phone calls have continued. I was able to XXXX search the phone number, which is how I found out who was calling.
Consumer complaint received 2015-08-20
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (CO)

I had a credit card with Home Depot. In XXXX 2015 I closed the credit card account, paid the bill, and destroyed the card. The payment for the final bill arrived one day late. Home Depot charged me a late fee and interest, then continued to charge additional late fees on the previous late fee each month. They would send me emails saying that my bill was ready, which I assumed was an error since my account had been closed. Four months after I closed the account I looked at XXXX of these emails and saw that they claimed I owed {$130.00} - compounded late fees. I called an XXXX number and I spoke with XXXX, who did not feel that I had any right to claim this was unfair, and asked that I pay the full amount. When I asked to speak to someone else, she agreed, put me on hold then hung up. I have repeatedly tried to call back but always get the message that they can not talk to me now and to call back.
Consumer complaint received 2016-06-30
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (MN)

Card was lost, waited on hold for 11 minutes. XXXX the customer service rep from Maryland told me it would take 5-7 days to get a card BECAUSE XXXX could not deliver the card sooner. This was a CITI XXXX card and he kept telling me I had an XXXX card. Guess the third party Costo is using for CITI service is confused. I asked to speak to a supervisor and he told me NONE were available and the MIGHT call me back. 2 days later no one has called. CITI worse credit card company I have ever dealt with. Give me XXXX, XXXX, my local credit union. But never again CITI.
Consumer complaint received 2016-06-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (VA)

Citimortgage is being unfair in evaluating us on a loan modification. They are making it very difficult for us to keep our home and suggesting that we do a short sale when that is not what we wish to do. We were offered a loan modification back in XXXX of XXXX. We were told by XXXX that we may qualify for some government programs that was put into place by President Obama. When the paper work was submitted by XXXX it was declined and we could not understand this decision since we were offered a modification through Citimortgage back in XXXX. We have been passed around to three different representatives since our process began back in XXXX XXXX and each representative does not fully read our entire case file. I believe this leads to poor judgements and decisions on our behalf. 
I have attached a file with extensive details and facts.
Consumer complaint received 2022-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (FL)

LL Bean Citi XXXX, XXXX XXXX XXXX XXXX, held by XXXX XXXX XXXX XXXX XXXX XXXX, who has passed away. They asked me a multitude of intrusive questions which I answered every one and their Probate Department, XXXX, would not answer one of my questions. 

For example I asked them to confirm receipt of payment I sent last Friday in the amount of {$1000.00} and they would not answer. This is a problem that could have been resolved in XXXX phone call. 

We have been a customer of LL Bean for over 50 years and I am treated like I am a no body.
Consumer complaint received 2017-05-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (MI)

Chase bank   XXXX   XXXX   is garnishing my account from a balance that was apparently from  XXXX  On my credit report it is showing that is charged off.. I was told that I made a payment in  XXXX  of { XXXX } and the Representative failed to provide me with poof and stated that this restarted the process. I have no knowledge of this and was n't served any legal papers. They took my state income taxes.
Consumer complaint received 2016-12-23
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (TX)

We have a Staple " more account '' for our Business and was reported incorrectly to the business credit reporting bureaus. 

Staples published a payment address of " XXXX AZ XXXX '' on our monthly statement which we referenced with our bank for bill payment checks. 

We sent a payment on XX/XX/2016 to Staples Credit Plan/CITI CARDS which was returned due to unable to identify account. We referenced all required information per our monthly statement. This resulted in our account to be reported as 30 days past due and was a bank error on Staples Credit Plan end. We should have never been reported 30 days past due and need this to be corrected. 

Attached is all of our documents showing when and where we sent the payments to. 

Thank you, XXXX
Consumer complaint received 2015-11-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (DE)

CitiMortgage recently sent me a document advising of my escrow shortage for the 2015 year. They advised me that if I do not pay the escrow shortage, that my monthly payment would increase from {$1100.00} to {$1200.00}. They advised that I could pay the escrow shortage, and that if I did, my monthly payment would be adjusted from {$1200.00} to {$1200.00}. 

I do not want my payment increasing above {$1100.00}. So I sent a payment of {$600.00} ( escrow shortage of {$330.00} + {$270.00} to cover the increase in my escrow payment ). However, when I called in, Citi refuses to adjust my payment back to {$1100.00}, stating that they can no longer advance the escrow EVEN IF IT IS AT THE BORROWER 'S REQUEST. That is ridiculous. If I cut a check for {$5000.00} to cover my entire upcoming year 's worth of taxes, Citi should n't be charging me ANYTHING for escrow. The purpose of escrow is to ensure that irresponsible borrower 's pay their taxes. I PAY MY TAXES!!! If I choose to put money into an account IN ADVANCE to pay my taxes, my monthly escrow payment should be adjusted accordingly to reflect the advance. AND I DO NOT CARE WHAT " CFPB GUIDELINES '' ARE IN PLACE FOR THE MORTGAGE INDUSTRY 'S ESCROW POLICIES ; I HAVE THE RIGHT AS THE CUSTOMER TO ADVANCE MY ESCROW SO THAT MY MPA FOR MY MORTGAGE DOES NOT INCREASE!
Consumer complaint received 2016-09-14
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (NV)

Macy's/DSNB is reporting a fraudulent account on my XXXX credit file XXXX I have never had an account with Macy's/DSNB and never will, please remove this account ASAP, it is hurting my credit file and I have excellent credit. The account info is below. 

Macy's/DSNB XXXX Amount Owed : {$570.00} Status : Charge Off Opened : XXXX/XXXX/2011
Consumer complaint received 2016-05-19
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (MI)

My balloon mortgage became due XXXX 2016, tripling my payment. My payment went from {$270.00} per month to {$910.00} per month. I contacted CitiMortgage 5-months ago to work out a loan mortification. They strung me along for 5-months until I became three months behind in my payment and then the declined my modification for no reason.
Consumer complaint received 2016-07-22
Product: Prepaid card — Other special purpose card
Issue: Advertising, marketing or disclosures — 
Company: CITIBANK, N.A. (OH)

I was issued a promotional prepaid card from Citi Bank. It was not clear to me that on the " good through '' date on the card the funds would " disappear. '' My understanding is that I would have to obtain a new card.
Consumer complaint received 2015-08-27
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (VA)

I opened an in-store credit card at Macy 's XX/XX/XXXX and was told at the time that my account and payment information would come to me by mail along with an account statement. I never received the documents and when I called to inquire I was told I could pay over the phone and that the documents would be resent. The balance told to me over the phone did not match my receipt so I requested to have a statement provided to show the individual items for which I was being charged. I was informed that until I received my account information in the mail that I could not create an online account to access this information and that the only way for me to receive it would be through mail. I was also informed that the late fee I had incurred would be waived so that I would not be hurt by this transaction. The follow up documents never arrived and Macy 's posted a 30 day late payment on my credit report. The fact that they would not provide documentation on my balance before requiring me to pay seems very unfair. I have since paid off the balance in full, including the added late fee, in an effort to limit any further harm to my finances or credit history. 

To this day I have yet to receive any documents, I still have not even been provided with an account or card number. 

I have an otherwise perfect credit history. Given that I reached out to Macy 's in order to rectify the situation and that they did not allow me to do so in a reasonable fashion, I feel unjustly harmed.