davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-28
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A. (TX)

Unauthorized Charge of XXXX I am writing this letter to a follow up letter Citi Bank sent me on XX/XX/XXXX. I did not authorize XXXX to charge my credit card on XX/XX/XXXX ( on military business ). However, I authorized XXXX XXXX to charge my Citi Bank card for a much cheaper flight ( estimated cost of XXXX ) .If you check the date of the flights, you would understand that I had no need for two flights. While on the telephone with XXXX Customer Service Rep, I told him never mind, but evidently, he booked the flight without my consent. On numerous occasion I called trying to dispute these charges to no avail. While in dispute, I continue to make good faith payments. Further more, how can a person board two planes simultaneously. 
In closing, I am requesting that my money be credited back to my account because that transaction was unauthorized
Consumer complaint received 2016-11-16
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Cash Express, LLC (TN)

I 've been a customer off and on for several years. Worked for the company for 9 months recently. Had current loans with them, that were not due. Left the company, because I was offered a more lucrative position and they kept my entire last paycheck to pay off loans that were not currently due. I have XXXX children ato home and {$700.00} this close to XX/XX/XXXX is devastating to my family. This is disgusting and a foul way to treat someone that was a loyal customer long before they were an employee.
Consumer complaint received 2016-12-17
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Eastern Revenue, Inc. (MD)

I have a school loan from my school that was sold to a collection agency by the name of Eastern Revenue Inc. of XXXX, Pennsylvania. ( ERI hereinafter ). XXXX has contacted me, constantly harassed me and threatened me numerous times regarding a balance that I am unable to pay and have advised them of such. XXXX has gone so far as to attempt to obtain information regarding my children 's bank accounts, social security numbers and other private information. This company has used guerrilla tactics to constantly bully and harass me continuously, and has affected my personal credit, physical and mental health in addition to permanently affecting my marriage. They have called my home, job and family members non-stop and it is very troubling. They have continuously threatened to hold my transcripts and degree XXXX and advised me that I would never see them ever. No company should ever have the ability to treat anyone this way. It has literally caused me serious harm in all facets of my life.
Consumer complaint received 2022-08-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP (FL)

Checked my heloc balance to find a XXXX dollar Insurance fee on a loan of XXXX. This home has always and currently has updated insurance policies. One homeowner policy and an H06 policy. After reaching out to the bank, I was informed that yes that is a mistake on their part, however they must now investigate and will get back to me soon. Meanwhile my heloc balance is now XXXX more and I am currently being charged interest on this new balance. In addition my credit is being impacted as it appears as if I borrowed an additional XXXX.
Consumer complaint received 2017-01-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (PA)

My mortgage company stopped escrow without consent. It is clearly written in my contract. I have been working for a over month to have my taxes paid. This will be added now to my monthly mortgage payment. They guaranteed my taxes will be paid but still are pending. I have made several calls with no resolution. I am told it is being worked on by the tax department through the mortgage company. I do not get call backs even though I have asked to be called. I ask what I can do to help resolve this issue. I am told there is nothing more I can do. I have contacted my local tax collector and they have also sent the delinquent tax information.
Consumer complaint received 2016-11-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (TX)

XXXX took over servicing my home loan on XX/XX/XXXX from XXXX XXXX ... Letter was sent XX/XX/XXXX stating to now pay XXXX per bankruptcy court starting in XX/XX/XXXX ... In XX/XX/XXXX XXXX became Green Tree ... I was now paying Green Tree till it became DiTech in XX/XX/XXXX ... My loan was a predatory loan from XXXX ... I alerted the Banking Lending Comission of Texas in XXXX in XX/XX/XXXX ... I became part of XXXX 's bankruptcy filings due to the fact of only {$50.00} going to the principal of my mortgage ... I found this out upon the death of my husband XX/XX/XXXX ... I have tried to get out of a 7.9 % loan interest ... but to no success ... I have applied to Green Tree and Ditech for a loan reduction mortgage rate ... still no success ... 
The road block is {$20000.00} taxes owed on my property due to a long story ... I have tried to have them put it on the back end of my loan and they pay the taxes but they say it can not be done ...
Consumer complaint received 2016-06-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NC)

I was with a Mortgage company for some years. My mortgage was brought or giving to my previous MTG company. I was behind often and I would ask for waivers, or if they could refinance my MTG but they always told me that they couldnt because my MTG was like a car loan so they could not do it. They always threaten to come get my double wide and I always said, how are yall going to do that because my land was finance with my house. I would tell them that I never had any trouble getting my payment waiver with the company that had my MTG before they had it. So finally they had me to write them and tell them my situation and why I could not make my payments because they where suppose to refinance it but, they said they couldnt. So I talked to my bank about refinancing for me. When I had to call the previous MTG company about the title it was to my surprise, they told me that they didnt have it. 
I called everyday to speak to someone different and there answer was the same. Doing that same time I went to the court house to check on the title and when i did that i saw the original MTG company as the owner on the deed. I even checked with DMV because they said it was like a car loan. I called around to attorneys and asked questions but none of them gave me any value information. I also looked online for information but nothing was clear to me as far as this being right. I also wrote the attorney general. They didnt receive any thing from them either but after the MTG was refin they sent them a letter and told them they didnt have the MTG any more. There name was never on the MTG, they didnt even own it and they knew it but they kept collecting my money every month. When I went to the closing I was told by the attorney there that they had to do a lose title because the MTG company didnt have one. I didnt know about a 3 day cancellation because the attorney didnt give me any paper work until they recorded it at the tax office. When looked it up the next week the new MTG company was on the deed. I just think this was wrong and I dont think they should been able to sell something they didnt have ownership to.
Consumer complaint received 2016-04-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: REGIONS FINANCIAL CORPORATION (FL)

My husband and I purchased a double wide mobile home in 2001 which was put on the land we had previously financed with a loan from Regions Bank. We have been paying on this loan since, with a 7.34 % interest rate. When the interest rate was lowered, we tried to refinance the loan thru Regions and was told that they do not do mortgage loans. I have tried refinancing thru the HARP program and was told they do n't refinance mobile homes. We are retired with a fixed income and paying XXXX a month mortgage payment to Regions. We have considered a reverse mortgage but do not know if that is a good move. My son has a home on the land and we were hopeful to be able to leave the land to him and a daughter. At this point I do n't if we can continue to pay the mortgage as prices keep rising.
Consumer complaint received 2015-08-17
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AFNI INC. (SC)

XXXX came in my absence from my XXXX home atXXXX XXXX XXXX, XXXX. It was observed by my property manager that the destruction that ensued was major and costly to repair including holes in the wall, bending the aluminum opening of the sliding glass door to enter when it was locked and installing the cable modem on the wrong side of the room. My complaint went unheard, their only offer was to send someone, ( right, once a destructive burgler has entered your home, you MUST always open the door for them, on subsequent occasions, how about oh ... ... never ) They sited my agreeing to a contract ( no, it was not I ) it was someone who was NOT the owner of the residenceUnder NO CIRCUMSTANCES would I ever agree to have my home damaged ( I had just bought it, when this occurred ) Then they damaged my, NEVER LATE ON ANY PAYMENTcredit historyThis has already happened to me, but some strong negative reasons should be given this greedy, unresponsive, credit damaging company, to NEVER again do this to the next customer.
Consumer complaint received 2017-03-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (GA)

Afni, Inc. has placed an account that is unknown to me on my credit report. I filed on online dispute with XXXX on XXXX XXXX, XXXX however, the account is still updating and reported as 90 days late as of XXXX XXXX, XXXX. In the dispute I asked Afini to validate this debt, they are still illegally updating after I asked for validiation. Afni is illegally reporting this account to the credit bureaus and my creditors. First of all, the account is reporting a " One Month Term. '' What terms and agreements did I sign and agree to when Afni debt collector purchased the debt? None. 
The account is reporting as " 3 months late ''. How can this be? Collection accounts are not like original creditor accounts. Consumers do not open an account with a collection agency and promise to pay monthly payments. Afeni is NOT reporting the last status from the original creditor and they can not update lates on a monthly basis. 
The date of first delinquency with the original creditor is not reporting and according to the FCRA, Section 623, " ... A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. '' This account is showing a XXXX XXXX reporting date.
Consumer complaint received 2017-02-14
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION (FL)

On the morning of XX/XX/XXXX I went online to make a transfer from my savings account into one of my checking accounts with Regions Bank. I noticed in my online portal that there were some pending charges. I also noticed that I was assessed an overdraft fee of {$100.00}, however, the balance at the time the fee was assessed was not negative. I completed my transfer and called to get clarification. The representative told me that while the pending charges had not been taken from my account ( or even been requested from the merchants ) they had preemptively applied them to my balance, thus creating a negative balance and charging XXXX separate overdraft fees to previously made transactions that had already posted, even though the balance after these transactions was still positive. I was rather confused, because this same policy is not applied to deposits, even if transferred with another account within the same bank. When I pushed the issue, I was told that my banking portal was not the same portal that the bank uses, and therefore they were seeing charges and assessing fees based on their interface. Basically, while customers have access to the transactions on their account right away in the portal, the online interface does not calculate balance in the same way that the associate interface calculates balance. So, while customers see that transactions have been covered with a running, positive balance, the bank sees something different. This is deliberately deceptive and misleading. Although the bank claims that this online banking interface is just a " tool, '' the fact that they do, in fact, have access to information that they are not updating in the portal leads to issues with customers ' understanding of their bank balance, especially when transactions are posted in the customer portal in such a way that it appears that the balance available is still positive. Assessing fees based on projected fund withdrawal, while not counting projected funds deposited is unfair and, at best, questionable. I would be interested to know how much money Regions bank has stolen from customers by assessing fees based on projected account activity. If this is their policy, then all customers should have access to the same account information through a comparable interface, rather than one that is intentionally set up to confuse and manipulate the customer. Surely, this ca n't be a fair and ethical practice.
Consumer complaint received 2015-10-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (TX)

On XX/XX/2015 I visited XXXX XXXX Used Car Dealers at XXXX XXXX XXXX, XXXX, XXXX XXXX with a pre-approved {$20000.00} check in hand to purchase a XXXX used Nissan Altima. The sales person ( XXXX ) asked if I wanted to cancel the {$20000.00} pre-approved check from my credit source and apply for a new {$20000.00} loan through XXXX XXXX for perhaps a better interest rate, My answer was no, " I do not ''. This queston and aswer was repeated 5 or more times with the same answer by both parties. I completed paper work to purchace the XXXX XXXX and a day later discovered XXXX XXXX had removed the warrenty and failed to dusclose the vehice had been in an accident. I also discovered XXXX XXXX had illegally slammed my credit report with an inquiry. This illegal inquirey was enough to cause EQUIFAX CREDIT BUREAU TO LOWER MY CREDIT SCORE. I filed a dispute with Equifax and XXXX XXXX and neither will process the dispute to remove the illegal inquiry on my credit report. I also sent written complaint toXXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. My credit score remains lower than it was before XXXX XXXX illegally slammed my credit records. Can you please help? Contact Information : XX/XX/2015 Equifax Information Services LLC Attn : Dispute Department P.O. XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2017-01-26
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/XXXX has made it virtually impossible to repay the principal of my loans. I have XXXX loans currently held by this company. I consolidated my federal loans with XXXX in XX/XX/XXXX. Since that time, my loans entered into a period of economic deferment and forebearance. The interest was capitalized and when those periods ended, the loans were repaid on time, every time. I had XXXX issue which led me to call Navient ; I was curious as to why my principal was not decreasing at all. I was told that I was paying late, which was untrue, statements prove it, but was told that if I was not paying XXXX days before the due date the payments were considered late. In addition, when I asked why Navient did not have an amortization schedule ( why was n't a portion of my monthly payment going toward principal and fees/interest ), I was told they always apply the payment to interest and fees first. No exceptions. This is in complete disregard to some of the information on their website. Essentially, in past years I have paid over {$700.00} per month to Navient and was lucky if {$11.00} went toward principal. I will freely share this information if requested. To highlight the problem, I originally got a consolidation loan for over {$37000.00} over XXXX years ago. I have been repaying on time ( excluding economic deferment and forebearance periods ) and yet, after all this time, I now owe over {$38000.00} in principal. This is XXXX of XXXX loans of similar size. I understand that interest gets capitalized, but these numbers seem a bit off and whenever I have called to discuss these matters, I have either been told I need to go into default or just treated like a criminal.
Consumer complaint received 2023-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (ID)

The beginning of XXXX in XXXX  there was a charge using my debit card to a company named XXXX XXXX in XXXX Idaho. This charge occurred while I was physically in Montana and the banker said because the thief used my debit card with my pin, that they could not refund me the XXXX that was charged. 

I pleaded my case pointing out that I was not physically at the store where this purchase took place, I was in Montana at the time the charge took place and that I had my debit card in my possession.
Consumer complaint received 2017-02-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (MD)

Been paying monthly and submitted proof to Navient and still receiving harassing letters threatening to send me to collections, which they have been continually doing regardless of my payment history. As of yesterday I tried to call to get an explanation only to be given the runaround, put on hold for long periods of time, and ultimately hung up on. Navient allegedly increased the amount of my monthly payment but I never received any notification regarding this.
Consumer complaint received 2016-12-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (CT)

I am co-signer on both of my XXXX something year old children 's student loans. Navient has been calling me 4-6 times each day, 7 days a week for over a year now, demanding I pay their loan balances. They have also sent me literature stating they will take whatever means necessary to get the money from me. 
Both of my children have deferments as they are taking XXXX for their XXXX XXXX and further education. 
I am retired now, and only have a pension for income. What can be done to stop Navient 's harassment of me?
Consumer complaint received 2017-03-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP (NY)

I assumed a loan that my father had on his house after he passed away. After I assumed the loan the bills were coming as they were before i assumed the loan addressed to the Estate of XXXX and the principal amount on the bills were n't the amount that i agreed to. I was waiting for a bill to come in my name so I could make a payment. Three months after i signed the assumption papers the company sent a delinquent letter still addressed to the Estate of XXXX. I called them immideately and when they said the account was delinquent i made a {$14000.00} that day to bring the account current. I proceeded to call them multiple times to ask them to have the loan put in my name. The only thing that they changed was the principal amount until XX/XX/XXXX, that was when the bills started to come addressed to me. Then they report to the credit agencies saying that i was delinquent. They also sent 2 sets of XXXX tax papers to the house. One set addressed to the estate of XXXX for the payments XX/XX/XXXX through XX/XX/XXXX and the other set addressed to me for XX/XX/XXXX through XX/XX/XXXX. If i was fiscally responsible as they are saying for the months that were late then why does the estate have a XXXX at all? My issue with this company is that the way in which they are doing business is very misleading to their customers. It is their fault that i did n't make a payment because they never sent me a bill. Then they record to the XXXX credit agencies that everything is accurate As you can see there are many inconsistancies in which the are handling their business. In doing so they are affecting my life greatly because my credit has been impecable up to this point. I would like for this issue to be resolved and the company to be forced to communicate with their customers with precision so that this may never happen again
Consumer complaint received 2015-10-13
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (FL)

XXXX/XXXX/2015 - Terminated my lease early because I was eligible under the " Pull-Ahead '' program and entered into a new lease. Part of the program was that I do n't have to pay remaining payments, early termination fees, or other fees and taxes. 
XXXX/XXXX/2015 - Received alert from credit bureau that I have defaulted on my auto loan for the terminated lease. I called Hyundai Finance right away and the credit issue has been taken care off. I was told that I was processed incorrectly for the " pull-ahead program '' but that account review is a manual process and it typically takes 30-60 days, and I will hear from them. 
Five ( 5 ) more calls later and after speaking with many individuals in the same department : I have not yet received an update ; the " marketing department '' has to approve it ; there is nobody they can transfer me to or provide contact information for so that I can contact directly ; they will email " the people '' and see " what the hold-up is ''. I have also sent them a certified letter requesting resolution. No response and no update. It has been 4 months since I found out there was an issue. They did move rather swiftly to inaccurately report to the credit bureaus! If they could apply that speed to their customer service and their " recovery '' department. I have also been saddled with excessive wear and tear on a vehicle below mileage limit with not even a scratch or ding.