davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-07
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (NY)

My wife and I recently purchased a used XXXX Hyundau XG form my car mechanic. When I received the title form NY state there was a lien from Hundai Motor Finance, XXXX XXXX, XXXX, GA XXXX. I have also contacted XXXX. I do not know of the prior owner or who held the loan. According to NY DMV, I would need to obtain a " lein release '' or 'Letter of no interest ''. I have requested this in writing and via phone to no avail. They keep telling me it has to come from the owner. I have no contact with the owner nor do I know who they are or where to contact them. There should be accountability upon the finance company to supply a lien release to the last known state where the car is titled. There should also be clear instructions on how to obtain " lien release '' provided to a consumer of a purchased used car. I am now sending another letter to this company to get this required documentation because apparently the address listed on the title is incorrect for Hyundai Motor Finance.
Consumer complaint received 2016-08-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (AZ)

Citibank had an offer where if you opened a checking account and completed certain transactions, they were offering XXXX XXXX XXXX miles. I opened the account using the promotional code, and completed all of the terms back in XXXX, but they did not give me the miles. I have now contacted citibank 8 times regarding this issue. They have confirmed, multiple times, that my account had the promotion in it at opening, and that I met the terms of the offer, and that I was entitiled to the miles. They have given me a case number ( XXXX ), and have told me every time I call in that it would be resolved in two business days. Its been MONTHS and they still do not resolve the issue and give me the miles I earned. This is bait and switch, and they need to be held accountable. I ca n't close the account because the terms say you have to keep the account open to receive the miles, but they are charging me {$30.00} a month to keep the account open. This is not fair! I did everything the offer specified to earn the miles, and the bank has admitted over and over that I earned them and they owed me them, but they have not given them.
Consumer complaint received 2021-03-23
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (KY)

I was misled by Quicken loans as to a FHA streamline refinance. I was told twice that there would be zero money needed to close or at most {$180.00} I even asked the XXXX XXXX XXXX how certain she was and she replied Very Certain!!! I have her emails stating this! Then at the last minute they say I need to bring over {$2000.00} to close!!!!!! Totally was lied to!!!!
Consumer complaint received 2015-05-03
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (MT)

I have a credit freeze on my accounts with all three credit reporting agencies. I lifted my freeze with Equifax on XXXX XXXX through XXXX XXXX to allow my credit union to verify my credit for a car loan. I have made an offer on a vehicle so this issue is time-sensitive. 

I applied for a car loan with the same credit union in XXXX 2014 and the loan officer was able to access my credit info with Equifax so I could get a loan. Now, a year later, Equifax is refusing to allow access to my lender. 

After I lifted my credit on XXXX XXXX, my lender ( XXXX XXXX XXXX XXXX ) tried repeatedly to verify my ( excellent ) credit history. The credit union was given the automated message that the credit was frozen, EVEN THOUGH Equifax had charged my {$3.00} on my XXXX XXXX card to lift the freeze AND I got a message ( when I tried to repeat the lift ) that there a temporary credit lift was already in place. When I called " customer service, '' I was told that the reason the credit union could not verify the credit was that Equifax did n't have a birth date on my file. I am XXXX-years old and have a LENGTHY credit history. Equifax provided my credit history to this same lender ONE YEAR AGO. Now they refuse to give out the info, while still charging my {$3.00} and telling me that me freeze has been lifted. 

When I spoke to the Equifax customer service rep on Friday, XXXX XXXX, she insisted on charged me an ADDITIONAL {$3.00} to extend the lift on my credit freeze until XXXX XXXX even though it was their fault that my lender could not verify my information. She also told me that my credit union needs to send my birthdate to Equifax as part of the transmittal about the status of my current loan. 

Although the customer service rep verified my identity, she refused to let me give her my birthdate information. I understand that they ca n't accept info over the phone, but I think Equifax should have already this info had since my birthdate has been on every credit application I have ever completed and I have many, many items on my credit history. 

I have informed the loan officer at XXXX XXXX XXXX, but I am dubious that Equifax will cooperate given their lack of customer service on the phone with me. 

Summary of next steps : I need Equifax to allow the loan officer from XXXX XXXX XXXX XXXX to verify my credit ( as Equifax did in XXXX 2014 ) so I can proceed with the car loan. If I need to, I can then mail documentation about my birth date to Equifax at my leisure after the loan has been completed.
Consumer complaint received 2022-06-09
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: U.S. BANCORP (TX)

I have just been informed by mail that US Bank wants to charge me an annual maintenance fee of {$30.00} for a traditional IRA that only made {$14.00} interest last year. They are charging this amount as the IRA is under {$25000.00}. I asked to cash it out and they said that they would charge me {$230.00} to do that. My husband and I are XXXX XXXX living  just above the poverty line and {$230.00} is a huge amount to us. Are banks able to do this to us? This account was transferred from State Farm bank as they do not do banking anymore and we never had any problem with them. We have had the account with State Farm Bank since 2006. When this account was transferred to US Bank we were not informed of any maintenance charges or that there was a withdrawal fee. I feel that we are being DISCRIMINATED against as it is a small account. They do no maintenance on the account and even if they did everything is computerized so that hardly justifies any maintenance charge.
Consumer complaint received 2017-01-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

Although I have written confirmation dated XX/XX/XXXX from XXXX of the XXXX Executive Office confirming the XXXX hard credit inquiry someone made using my personal information is fraudulent, Equifax refuses to remove it. XXXX at XXXX insists he has already notified Equifax and the other bureaus. Although he admitted not every electronic communication is received, he adamantly refused to re-send it. When I contacted Equifax on XX/XX/XXXX, I was turned away by " XXXX '' with no help, saying they did not receive any notification from XXXX and suggesting I go back to them. When I did so I was informed that XXXX has the ultimate authority on this and no one else there would get involved. No other suggestions were provided on how to resolve this impasse. So we have XXXX and Equifax each pointing the finger at each other for something that could be resolved quickly by a few computer clicks. Removing a fraudulent hard copy inquiry is the right thing to do and should be a no-brainer. I would have thought these employees work in customer service, but apparently reaching out to each other and communicating in order to best serve consumers is just not something they do. A XXXX hard copy inquiry also remains on my report at XXXX, so apparently they did n't get the word either. Although XXXX says all bureaus have been notified, XXXX out of the XXXX retain this fraudulent hard copy inquiry today. I am simply asking - AGAIN, STILL - that Equifax remove it. Documentation on same including police and FTC reports, ID and proof of residence are on the way to all 3 bureaus. One can only hope there are some grownups working at the CFPB who can get the others to play nice with consumers and each other. Thank you for your help.
Consumer complaint received 2016-07-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: KEYCORP (FL)

Key Bank is holding me liable for a fraudulent account in which they have the XXXX fraudulent account documented three times on my credit reports. XXXX XXXX is extremely unprofessional and nasty, please forward to another party in the corporate office. It is unpleasant to be victimized continuously by her. I contacted legal representation and after they viewed documents and the signatures, they informed to file one last complaint with CFPB and attach the signatures. I attached the signature that Key Bank provided you on their application and I attached my signature from one of my home mortgages. You can clearly see that signatures are clearly different. Again before proceeding legally, I am asking Key Bank to remove the fraudulent account in which they are holding me falsely liable. Also, I have attached where Key Bank is fraudulently reporting the same XXXX account three times on my credit reports, which is fraudulent credit reporting. I have addressed this with them, XXXX XXXX and others nothing has been done as you can see, I attached a copy of my XXXX credit report in which I have continuously submitted to Key Bank and they have yet to remove from credit bureaus.
Consumer complaint received 2016-01-14
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: KEYCORP (CA)

I filed a Ch. XXXX Bankruptcy in the XXXX XXXX of California on XXXX/XXXX/XXXX and after completing the plan was discharged on XXXX/XXXX/XXXX. The Trustee noted a property mortgaged by KEY BANK NATIONAL ASSOCIATION as " REJECT & RETURN '' and by Order of the Court ; the property was returned to KEY BANK and subsequently sold. 
XXXX reflects KEY BANK as a " Derogatory '' and as " Negative Account, Closed Account '' however it continues to report the status as " Included in Bankruptcy ''. Much of the " Details '' information is incorrect. It reports the Type of Loan as " Unsecured '' ; it was a real property mortgage secured by a Deed of Trust, the Date of First Delinquency as XXXX ( while I was in bankruptcy ), and I filed a Ch. XXXX bankruptcy not a Ch. XXXX. 
XXXX reflects KEY BANK as " Derogatory '' and as " Potentially Negative Closed ''. It reports " Payment Status Included in Bankruptcy '' and inaccurately reports under " Comments Bankruptcy Chapter XXXX ''. 
XXXX reflects KEY BANK as " Derogatory '' and as a " Negative Closed Account ''. It incorrectly reports the loan type as " Unsecured loan and Opened XXXX/XXXX/XXXX '' and shows negative payment histories for the months XXXX, XXXX and XXXX XXXX. 
I have disputed the incorrect information with XXXX, XXXX and XXXX on numerous occasions to no avail. On XXXX XXXX, XXXX, I mailed certified letters to XXXX KEY BANK addresses, the address listed with the Bankruptcy Court and the address listed by XXXX, XXXX and XXXX, respectively. I am seeking your assistance to resolve these inaccuracies and correct my credit reports.
Consumer complaint received 2021-10-02
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: Simon's Agency, Inc. (NY)

I disputed this reporting on my credit reports. It was deleted and does not appear on XXXX and XXXX. However, it appears on my XXXX report. I still dispute the validity of this debt. I have no correspondence from Simmons Agency and will litigate this in court at this point.
Consumer complaint received 2015-04-30
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc. (MD)

On XXXX XXXX, I ordered a XXXX-bureau credit report online for {$1.00} from CreditCheckTotal.com ; as a part of the ordering process I provided my personal information and payment details to process {$1.00}. There was an offer for monthly services which would cost $ XXXX/month, I did not select this serivce. On XXXX XXXX, my account was debited by Experian for {$29.00}. I called to inquire and was directed to Credit Check Total requesting that my account be refunded for the {$29.00} as I did NOT authorize any deductions nor did I agree to any memberships. I spoke with XXXX associates and XXXX supervisors and was told that they would cancel my 'membership ' but they would not be able to refund my money. Even after expressing my frustration and my concern regarding their tactics, which I feel are manipulative and evasive ; no one would honor my request to have my money refunded. I also sent an email to the customer relations departments for both Credit Check Total and Experian. Credit Check Total 's response was that they could not refund the money that was taken but that my account was now closed. 
This company does not care that a consumer feels misled by their advertisment, all they care about is collecting {$29.00} from as many people as they caan. I am very upset over this and from now reading reviews from other victims, it is clear that this company is strong-arming consumers and taking our money. Credit Check Total is a poor representation and their only goal is to profit from comsumers using manipulative tactics.
Consumer complaint received 2015-05-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (GA)

XXXX/Navient is unable to service my loan and apply my payments correctly. 

It has been going on for XXXX years, but since the last XXXX months it has become predatory. XXXX months ago I called into to change from a XXXX repayment program to a program where I would pay the same amount for the life of the loan. They said my new payment for the duration of the loan would be a little over {$700.00}. XXXX months later, they called me back and said they " forgot '' some of my loans and my new payment would be {$890.00} per month. I would not have changed to the fix payment program had I know it was going to increase so much. After they guaranteed me over the phone that the $ XXXX amount was what I would pay for the life of the loan, I then decided to re-assess my budget and purchase a home with my wife. Then, shortly after purchasing a home, they called and said they " forgot '' about {$190.00} in charges. 

Since then, I have to call in every month to make my payment. Every month I am told I owe a different amount, ranging from {$100.00} to over {$1200.00}. Every month I am told that my previous month 's payment was applied incorrectly by the customer service associated I spoke to and that the current month 's payment would be applied correctly. My payment has not been applied correctly in over XXXX months and XXXX XXXX/Navient refuse to research into the issue OR call me back regarding the issue.
Consumer complaint received 2015-04-23
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (OR)

I have XXXX dogs who at times require vet services. About 3 or so years ago this happened and I could n't pay so I was set up through Care Credit which as it was then only for pet vet care. The bills plus maintenance continued and I have n't been able to get a handle on it. When I have had to use the card the staff at the vets tells me that if my cost is " low '' my interest rate will be high. Like I have a choice. So I am backed in a corner paying {$10000.00} per month but it seems that the interest is more than the bill. Then independently Amazon wanted me to get their credit card which I responded to to get some perk and then I was going to cancel. I think it was the same outfit whic I believe is GE. So when the Amazon clicked on the availability of Care Credit was kaput. I 'm sure I 'm not alone in this. I am shocked that the least of us is penalized the most. Thank you.
Consumer complaint received 2017-03-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

I filed for Chapter XXXX bankruptcy in XX/XX/XXXX. By XX/XX/XXXX, seven years later, I requested the bankruptcy to be removed from the credit report agencies. XXXX complied, but XXXX and XXXX replied that they would hold it for ten years. So in XX/XX/XXXX I renewed the request to remove. To this day, XX/XX/XXXX. The record continues to affect my credit score.
Consumer complaint received 2017-03-01
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIBANK, N.A. (NY)

THIS IS THE SECOND TIME WITHIN A FEW WEEKS THAT I AM FILING A COMPLAINT AGAINST CITIBANK RELATED TO AVAILABILITY OF FUNDS. 
There are two issues that happened today : 1. Citibank refused to give me a cash advance from a Citibank brand 's Sears Card because I was missing my New York State Driver 's License with me even though I am a customer of the bank and have been in the branch where I tried to do this at least 20 times. They would NOT accept any other form of id and knew that my account might become overdrawn without this cash advance where they could charge return item fees as well as have me incur fees from the payees of these items which could result in fees of over {$60.00} per item. They know that my checking account has a XXXX balance because of issue no 2 below. I even had them contact the executive response unit that dealt with the CFPB complaint I filed a few weeks ago and they would n't relent on this issue. I WANT TO KNOW IF THERE IS ANY FEDERAL REGULATION OR GUIDANCE ON THIS MATTER FROM EITHER THE CFPB OR THE COMPTROLLER OF THE CURRENCY OR THE FE4DERAL RESERVE OR ANY OTHER STATE OR FEDERAL AGENCY. 
2. A merchant XXXX near the town I live in XXXX NY charged a debit card for my wife this morning XX/XX/XXXX even though I asked them to use a different card which brought my available balance to XXXX. The merchant agreed to reverse the transaction and put the charges on a different card but Citibank refused to release the funds even after confirming with the merchant that the charges were being reversed. In the past when I had this problem Citibank cooperated in doing this but now claims some rule of Mastercard effective XX/XX/XXXX does n't allow them to do this. This is putting me in the same situation of having items returned for insuffcient funds. I WANT TO KNOW IF THERE IS ANY FEDERAL REGULATIONS OR GUIDANCE ON THIS MATTER FROM THE CFPB, COMPTROLLER OF THE CURRENCY, FEDERAL RESERVE OR ANY OTHER STATE OR FEDERAL AGENCY.
Consumer complaint received 2017-03-13
Product: Mortgage — Reverse mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERICAN ADVISORS GROUP (FL)

At the end of XX/XX/XXXX I applied for a Reverse Mortgage with AAG. I was continually given the wrong information about what they needed in the way of forms. I have a POA. My husband has XXXX. The Mortgage Broker told me to get letters from the doctors stating my husband had XXXX and could not make financial decisions, which I did. Now we are into 4 months and they tell me they need a specific form signed and filled out by the doctor. They had me give them my original POA and now I have nothing. They are asking for the forms to be signed by the doctor and 2 times they have emailed me the wrong forms in the POA. They asked for my XX/XX/XXXX and XX/XX/XXXX tax forms, which I gave them now they tell me they need transcripts from the IRS. It is now going on 4 months since I first talked with a Mortgage Broker.If I had to do this all over again, I would not do it. I ' m just so far in now that I have to complete this or start all over again. This company is supposed to be the best. I doubt that very seriously. You ca n't talk to a supervisor, or anyone who can help you. Boooo XXXX
Consumer complaint received 2017-02-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA (PA)

I graduated in XX/XX/XXXX from XXXX. XXXX had my loans. I requested in XX/XX/XXXX that my loan repayment plan be XXXX. I also wanted to enroll in XXXX. XXXX never changed my standard payment plan to XXXX. Now FedLoan Servicing has my loan for XXXX and state that I owe a payment on the standard payment plan. I should be on the XXXX plan. My interest is accruing everyday Since XX/XX/XXXX. I can not afford to pay {$2100.00} a month, I should be paying closer to {$320.00} a month.
Consumer complaint received 2015-04-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: CITIBANK, N.A. (CA)

After returning to school at XXXX in XX/XX/XXXX, I applied for and received a Citibank private alternative student loan. At the time XXXX financial aid counselors, who had recommended that I go this route to subsidize my costs of attendance, did not notify me that the loans in question were " alternative '' loans, and therefore non-subsidized or guaranteed. After successfully completing my classes in XX/XX/XXXX, Citibank notified me that my loans would begin repayment immediately, at a cost of over XXXX. Given the timing of this repayment, during the height of the financial and banking crisis which was driven largely by banks like Citibank and irresponsible lending, I contacted the bank and notified them that I was unable to make a {$500.00} payment at that time due to job and economic conditions. I further requested that Citibank work with me to come to a compromise as to what would be a reasonable payment amount per month, given the circumstances. Citibank refused all efforts on my part to work out a payment arrangement, and declared that it was all or nothing. Their position was that either I paid the {$500.00} each month in full, or they would default my loan and thereby prevent my future purchases of homes, cars, etc. Their agent was rude, insulting, unprofessional, and inflexible. I responded, over a period of several weeks worth of calls and attempts to resolve the matter, that since they were making an " all or nothing '' demand, I would be forced to respond in kind. As such, I refused any payment and allowed the loans to go into default. Since that time in XX/XX/XXXX, I have never received a single letter, phone call, email, or text from Citibank regarding the status of these loans or any further attempts to collect or work out a compromise agreement. However, the loans were reported to the XXXX major credit bureaus, and remain on my credit record to this day as defaulted or in collection. The cumulative effect has been a significant drop in my credit score and denial of credit to me. I was recently instructed by several people, however, that because my loans were not federally guaranteed student loans, and because Citibank has made no efforts to collect or follow-up on these loans since the default occurred in XX/XX/XXXX, that I was legally entitled to have the loans wiped from my credit record, and the default removed without further penalty due to Citibank 's lack of action on the accounts in the last XXXX years. Should that not be the case, I was notified that regardless of status, having reached the XXXX year deadline since loan default, and even more since loan inception, Citibank is required to remove all references to the accounts in question from my credit files.