davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-15
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF THE WEST (MO)

I applied for an account with Bank of the West in XXXX 2015 they approved me and never sent me the card for six months they made an error with my name on the card. The introductory APR had expired and I had to call and request that be reinstated. I had my payments on auto draft and they stated one of the payments was not enough to cover the monthly payment so they had sent the account to collections. After I called they acknowledged that it was a bank error and credited the fees since that time I paid the account off in full. I started back using the card in XX/XX/XXXX made my first payment and then was ONE business day late on my XX/XX/XXXX payment and they closed the account. I never received a call or any kind of warning just a letter stating the account was closed due to delinquency it was reported on my credit report that the account has been closed by the guarantor which impacts my credit score. I would like my account reopen and my credit report updated to reflect that account is current and I will be paying the full balance. The standard practice should not be to close a consumers account as a result of them being one day late on a payment that is not fair.
Consumer complaint received 2016-05-20
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: MRS BPO, LLC (MO)

After the car was returned to XXXX back in 2012 we received a letter stating that we owned nothing on the account at all. We have no idea why we are receiving collection attempts on a fraudulent amount and we would like for this to stop immediately.
Consumer complaint received 2016-12-15
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: QC HOLDINGS INC (MO)

I received a threatening phone with a voice mail message on Friday, XXXX XXXX 2016. I returned the phone call and spoke with a gentleman and told him not to call my number again. The became disrespectful, and stated that I should pay my bill and that he would not respect my wishes and would/has continued to call my number. The gentleman is calling from XXXX XXXX XXXX XXXX. The gentleman is not aware of my circumstances and should n't assume that everyone 's a dead beat. When I took this loan, I had nearly a {$10000.00} annual income. I 've since fallen on hard times and barely have a roof over my head.
Consumer complaint received 2015-05-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Ditech Financial LLC (VA)

This is from Green Tree about a double wide that was gave back to them, they sold it for just XXXX dollars and told us that we own XXXX to them. We set up a payment plan of XXXX a month and then they called back after a year and we have to started making XXXX dollars a month. Each month we have been faithful in paying what we set up with them and they have been cashing the checks every month. We received a letter from them stating that we own XXXX and they wanted it in full by the XX/XX/XXXX. I called and got XXXX and she was telling me we did not set up a payment with them. And that every 6 months we need to re-set it up. My problem is this is the first letter that we have gotten in about 4 years from them. She was telling me that we need to fill out a financial statement and mail it back to the company, she is suppose to be mailing one out. She basely threaten us that if we did not mail it back. We have to pay it in full by XX/XX/XXXX. My question is this if this was true then why have they not call us or quit cashing our checks. We have proably been paying on this debt for about 9 years and now they are threatening us. We are doing the best we can do and we are trying to pay for this double wide that they sold for nothing.
Consumer complaint received 2015-10-16
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION (AR)

Case # XXXX For XXXX XXXX status shows the account was closed, reported lodt or stolen, and never got re issued or assigned new account instructions for the acct to be re opened for by the bank, on both accounts in which now are closed or in active, unable to access online banking as well, the original opening date of the first acct is platinium relations, in XX/XX/XXXXby me online and by some unauthorized person who received my status and did not maintain the account, then in XX/XX/XXXX I was issued a reg. XXXX debit card, that was stolen no sooner than I got it, this was reported as well never received by me, as it says now on file the account had multiple cards, and they are all now closed ..
Consumer complaint received 2017-02-01
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: Fleet Financial, Inc. (CO)

I was referred to a broker who worked for Fleet Financial. My experience and complaint is against the company, not the individual. My husband and I have never leased a vehicle and after being presented with options by the broker, we thought this to be the best fit for our growing family. I leased a vehicle on XX/XX/2016 through Fleet Financial. They acquired the vehicle from a XXXX dealership and the financing was through XXXX ; however, Fleet Financial did not disclose any notice relating to what fees we would be charged for using one of their brokers and because there was no direct compensation to the broker, we were unaware that fees existed. I would have understood that no one works for free, but the context and way they were paid was never disclosed and in my opinion, misleading. 

The trade-in description and allowance on the lease shows N/A. We traded in my husbands XXXX. We were also charged XXXX for " optional insurance, '' we did not agree or know what this was. We also were required to write a check of {$460.00} to XXXX XXXX when this was not disclosed when we approved for the lease. Naturally, we obliged because of how far we were into the transaction. 

Lastly, the car was purchased XX/XX/XXXX, tags on the vehicle were due XX/XX/XXXX, I went to the DMV on XX/XX/2016 after wondering if I would ever receive the notice to go purchase my tags. After using my XXXX and taking over an hour at the DMV I learned that they were yet to receive the paperwork on my vehicle, thus, they had to give me an extension to XX/XX/2016, which was 2 months after the original date my tags were due. When I finally got a chance to purchase my tags the DMV employee advised that since it had been so long the amount due was much higher than it should have been, upwards of XXXX-XXXX dollars I paid in addition because of Fleet 's lack of due diligence. It is my suspicion that Fleet purposefully held onto the money in an interest bearing account instead of dispersing so that they could make interest on money which was not theirs. I ca n't imagine I am the only person this has happened to.
Consumer complaint received 2016-06-25
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP (CO)

I have had a financial hardship and have filed for a loan remodification. Since I have filed for a loan remodification I have requested other information to be mailed and emailed that I have not received. I have also had problems every time I call them and can never get through to speak to someonethat is handling my case. My options are to leaves voicemail and wait for someone to call me back within 24 hours and i still do not receive a call and I 'm always having to call back and speak with someone that is not assigned to my case/loan, which is frustrating and time consuming. As of now I am facing foreclosure and am required to vacate my home within 5 days.
Consumer complaint received 2016-11-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Carter-Young, Inc. (SC)

I have contacted XXXX and XXXX about this account that has already been paid in full since about a month after I moved. The debt collector said that they was going to remove it from my report and never did.
Consumer complaint received 2017-01-20
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CASHCALL, INC. (CA)

I had major issues with CASHCALL/XXXX This loan was taken out in XXXX 2011 but then it had issues and in XXXX of 2011 XXXX offered me a settlement which I tried to take multiple times but was ignored. They Wanted to settle for XXXX. The original loan was XXXX. My ex husband and I then filed chapter XXXX in XXXX 2011 paying 100 % to plan. Now that our BK is complete I notice that Cash CALL claimed XXXX on a loan that was owed XXXX!!! This is obscene. They stole almost XXXX from me and never responded to any of emails or phone calls on this..
Consumer complaint received 2016-05-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MD)

There is a feature on Navient 's website that allows you to pay loans together by type. When the loan is over paid, it spreads the over payment among all of the loans in that group evenly. However, not all of the loans have the same interest rates. This is deceptive and even predatory in nature because I may wish for the extra payment to go towards paying down the principle of the loan with the higher interest rate instead of the XXXX at 1 %. The company did n't use to have this on their website and I feel that they are engineering the site to extract even more cash out of their customers.
Consumer complaint received 2016-03-01
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (TX)

Challenge questions on factXXXXequifax.com to receive XXXX report were answered correctly by me. Challenge failed. Conclusion : Equifax has incorrect information on file. Calling to complain, I was sent to XXXX different phone numbers. None of the agents understood or solved my problem. They simply sent me to another number. 

The final agent sent me to a number that started the whole request process over again. 

Bottom line : Equifax 's challenge question answers are WRONG and there is no one who will correct them.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (FL)

I was told that it could be wiped off and consolidated but they just kept putting it in forberance and adding interest every time. I 'm a single mom with no income at the moment. I have n't worked in a long time. I have explained this numerous times to them and was told it would get taken care of.
Consumer complaint received 2016-09-09
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (NM)

Citicard : I subscribed to paperless billing and pay out of my bank account. I provided CITI with bank info. They did not deduct amount due, then claimed I was late, charged a late fee and interest. I decided to close account and pay, but I think this may be a scam and want to report it. I never received a paper bill, although requesting it.
Consumer complaint received 2015-03-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CONTRACT CALLERS INC (VA)

XXXX XXXX hired collection agency to collect Debt that i did not owe this been going since XX/XX/XXXX. Each time the collection agency called i will return a call and explained that i never received any of the statement. I have no clue that I owe Electric bill because I am up to date paying all my utilities. Each time collection called i call XXXX also. The first two year XX/XX/XXXX-XX/XX/XXXX. i even went to police XX/XX/XXXX to file a report but they could not write a report because I dont have account/statement to show. Police said to disregard perhaps this is a called call trying to get my info over the phone he even warned me to be careful giving info over the phone.I sent letter to agency because the representative that i spoke he told me to send them a letter so they do n't told have to call again ( XXXX XXXX , XXXX XXXX : XXXX Dispute Department XXXX XXXX XXXX, IA XXXX ) I called XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX to really see if i have outstanding balance, it was verified that I do not owe anything under my name. In XX/XX/XXXX, I called XXXX again after i received a call from collection agency about the debt that I owe. XXXX representative said yes, its showing that i have outstanding account she gave me the amount and account number then transferred me to Fraud department. Fraud Department gave me their mailing address and gave things that i need to mail I was recommended to get a police report which i did for the 2nd time but the police only gave report number as reference he said this should be sufficient, I mailed the Copy of my Driver 's Lic, Bank Satement, Utility bill, Police report # and other documents showing my current address between XX/XX/XXXX-XX/XX/XXXX because this is what i told to submit this was mailed XX/XX/XXXX. 
Now, today XXXX/XXXX/XXXX i called the collection agency " Contract Callers # XXXX. I told that i spoke with XXXX XXXX Fraud Department and i explained that i submitted all the documents that they needed me to submit. She gave me the number to XXXX XXXX again. I called XXXX for XXXX times i explained my situation, then connection to Fraud Department again.They claimed that they never receive my documents and it has been 6 months, no one have ever got back with me. They want me to submit new documents by fax and email. Seriously? and ask to go back to police and get the report, seriously? This is very frustrating. Now collection is harrashing me again? XXXX representative gave me FCC # and web site. That 's why i have sending this information. i am hoping that this matter will resolve very soon five years. why its taking so long?
Consumer complaint received 2016-05-24
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: STERLING JEWELERS, INC. (IL)

A person named XXXX called me and said this ( I have kept message ) " Good morning this message is for XXXX XXXX. My name is XXXX. I am calling in regards to a formal complaint and summons that was faxed to my office this morning. XXXX you have the opportunity to contact the plaintiff to resolve this matter voluntarily. They can be reached at XXXX. Refer to case number XXXX. XXXX XXXX. You have been officially notified. '' I called back and was hung up on for not providing my birthdate and told I was " breaching security. '' I called back and I was then yelled at and told that they represent Kay Jewelry and that I 'm being sued for fraud and theft for an unpaid {$220.00} debt on a credit card ( which was discharged in bankruptcy ). I explained the debt was discharged and I was told the debt could n't be included in a bankruptcy and that my only choices were to pay the debt today or file bankruptcy again. 

I was hung up on repeatedly when I asked for an address where I can send my papers. I was called " a child '' " irresponsible '' and a " thief '' and was told that I " racked up debt purposely '' with " no intention of ever paying the bill. '' I was told that a process server would be at my house the next day and that I would be arrested. When I asked whether Kay Jewelry was actually their client, they hung up on me. When I asked for information about their business, they hung up on me. 

This is obviously a scam and these people should be stopped. I am pretty tough, but this one rattled me. I would hate to think what would happen if someone unsophisticated or elderly received a call from them. They are terrorists.
Consumer complaint received 2016-04-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capital Accounts, LLC (PA)

This debt collection is for a XXXX XXXX. 

My wife XXXX XXXX XXXX was married to a XXXX XXXX - who died 17 years ago - they had NO children together! XXXX XXXX is a child of XXXX from a previous marriage that was divorced. XXXX former wife had custody of XXXX My wife and I have been married for 15 years. I have never met XXXX and my wife has never had a relationship with XXXX - even when she was married to XXXX! 

We get harassing phone calls from debt collectors for XXXX XXXX and her husband - Daily! on both of our phone lines! We have requested they remove our contact info - but this stops for a period and then restarts. the caller harass us and threaten us - the only info I have for the collection company is - Capital Accounts, XXXX XXXX, PA - phone XXXX
Consumer complaint received 2016-12-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Capital Accounts, LLC (NJ)

On or about XX/XX/XXXX I received a letter from Capital Accounts claiming that I owe them {$190.00}. A month later I received another letter this time claiming that I owe {$190.00}. On XX/XX/XXXX, I mailed a certified letter to Capital Accounts information them that I am disputing the so call debt and that I am requesting validation of this debt and to delete and stop reporting false information to the XXXX credit bureaus. 

I was expecting to receive a letter within the 30 day window granted to me by the Fair Debt Collection Practices Act. Instead I received an undated one-line note, ( I believe the date was left out on purpose, unscrupulous behavior ) after the 30 day expiration. The one line note that I received from Capital Accounts is now claiming that I owe {$130.00} and enclosed within the one-line note is a statement ledger from XXXX aka in my case XXXX Again I do not owe any of these companies. XXXX was our family dentist, ( who we no longer affiliate with, due to unethical business practices ) was paid in full on XX/XX/2016 and therefore I do not owe them. 

On XX/XX/XXXX I mailed a second request to Capital Accounts requesting validation of this so call debt that I owe to Capital Accounts. Again my request was ignored because today I received in the mail another undated ( unscrupulous behavior again ) one-line note this time claiming that I owe {$130.00}. 

I have yet to received any debt validation from Capital Accounts showing that I owe Capital Accounts ( not a second or third party ) and how they calculate what they claim that I owe. I have never done any business with Capital Accounts and nor do I intend to do business with this company. I DO NOT OWE ANY MONIES TO CAPITAL ACCOUNTS OR ITS AFFILIATES.
Consumer complaint received 2017-02-07
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (CT)

I had a XXXX XXXX loan with a 10 year balloon, that was ending on XX/XX/2016, with Citi Bank. I contacted Citi at the end of XX/XX/2016 and requested options as I could not afford the increase from $ XXXX. to almost $ XXXX. We decided that I should apply for a hardship and try to see if we could get the payment lowered, which I did in the first week of XX/XX/2016. It has now been 8 months, over XXXX emails that I have sent and more than that received and still they are requesting additional and also the same, info. A lot of items they have asked me for, XXXX and 5 times! Or after having sent in the time sensitive info requested, they get back to me 2 months later and say it is outdated-and to resend it the updated info again. I have been borrowing the monies from relatives and credit cards to pay the additional payment, in the hopes that I could get a manageable payment. I was initially told by contact person at Citi, that I would have an answer by XX/XX/2016. I have contacted supervisors who sent me a detailed copy of all our emails and said basically this is a normal process. I am paying XXXX % on the credit cards for cash advances and can not keep this up. I want to pay my debt, but can not continue to wait this ridiculous amount of time. I do n't know if they are doing this on purpose, but ca n't imagine this is a normal time frame. I do n't know where else to turn and just looking for some guidance. They also auto deducted from my bank account the new increased payment XXXX month after I was told the payment had been canceled, per my request. Thank You for you help!
Consumer complaint received 2016-10-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MA)

I submitted a CFPB complaint previously ( XXXX ) with Citibank alleging that they had failed to uphold the terms of their promotion by not paying out XXXX ThankYou points for the checking account bonus. They responded by telling me they would honor the promotion but that I needed to send in a XXXX form so they could verify my identity ( despite them already having done this when I opened the account ), and to call a number in their XXXX XXXX office after I 've sent it in. I sent it in immediately and have called several times but have always gotten a voicemail ( I 've left voicemails twice ), and have never heard anything back, which makes me think that they are once again trying to avoid paying out the bonus.
Consumer complaint received 2015-05-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (NV)

I experienced a hardship in XX/XX/XXXX when I lost my job and then divorced in XX/XX/XXXX. This resulted in a prolonged financial hardship and I contacted my lender Citimortgage and requested assistance. I was advised that I could not qualify as I was not in default and was told to stop making payments by an attorney in order to meet the program guidelines. I had returned to work in XX/XX/XXXX and was in a position to begin making a modified payment. After a prolonged period of submitting and re-submitting documents as they were requested I was denied for modification even though I had been approved for hardship assistance under the State of Nevada 's HHF. A Notice of Default was recorded on my home in XX/XX/XXXX. I attended mediation in XX/XX/XXXX, under Nevada 's FMP and the notice of default was cancelled due to the lender 's failure under the FMP rules. XX/XX/XXXX I sought assistance from XXXX Housing counselor and began the process of review for loan modification again. During the time that I requested assistance I received multiple denials including letters that identified my loan as ineligible under multiple programs including 1 ) Private Supplemental program ; 2 ) VA HAMP ( loan is not VA ) ; 3 ) HAFA Short sale option ( I did not request ) and 4 ) Lack of contractual authority as investor is XXXX XXXX. Each time the modification was denied I was advised to reapply but was never reviewed based on my ability to repay. In XX/XX/XXXX another Notice of Default was recorded and a mediation hearing was held in XX/XX/XXXX and once again the default was cancelled due to lender failure. 
I have been trying to preserve my home for myself and my XXXX children who live with me. I have had the ability to make payments since shortly after this process began and my only goal is to keep my home and honor my commitment to meet my obligations. Citimortgae has made this process incredibly difficult and I have done everything that they have asked. It is my understanding that as The XXXX XXXX is a Government Sponsored Entity that falls under the oversight of the Federal Housing Finance Agency that is does or should participate in loan modification resolutions.