davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Kelsting Group, Inc. (CA)

In XXXX of 2011, my daughter was in a car accident. The car which was registered in my name was towed to a local yard at the request of the police. I went to the yard ( XXXX XXXX ) and signed the ownership of the vehicle so they could sell the car. I was told that that would satisfy the cost of towing and storing the Car. 

I recently realized that after selling the car, XXXX XXXX also submitted a Claim to Credit Bureau Associated for Collection. The Claim is for {$2600.00}. I contacted CBA collection who stated that CBA only sold the car for {$70.00} and they want the difference. I told CBA that is ridiculous, that the hubcaps were worth {$70.00}. CBA stated that XXXX sells all of their vehicles for {$70.00}. 

So then it is clear. This is a scam. I sign over the car and they sale it claiming they only received a nominal amount for the car ( {$70.00} ). They keep the cash tax-free, then sale the account to a Collections to get more money. I told CBA that I want a copy of my file including a bill of sale showing who they sold the car, what date, what amount as well as all other documentation. 

They have not sent me this information. 

I contacted XXXX XXXX to remove this fraudulent collection and they refused. Please help with this matter. 

Credit Bureau AssociatesXXXX, CA XXXX TowingXXXX, XXXX, XXXX
Consumer complaint received 2016-12-30
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Synovus Bank (IL)

Hi I been living out of the country from XX/XX/XXXX-XX/XX/XXXX I have a sever case of Identity theft. I see this company has listed info on my credit file. I do not owe or did I authorize for anything to be put or open on my credit. This is Identity and finical theft. please remove from my credit file.
Consumer complaint received 2021-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

I mailed you a letter disputing inaccurate information on my credit report over a month ago and in response I received a letter from your firm stating the ID I submitted was insufficient to verify my address and identity. 

The identification I submitted is sufficient according to your guidelines and I demand that you examine the enclosed documents more carefully this time. I have also included my original letter for your convenience in this envelope. 

The disputed items must be investigated. 

I respectfully request you to process the investigation as prescribed by my rights under the FCRA. Under federal law, you have XXXX  days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within XXXX days of the completion of your reinvestigation.
Consumer complaint received 2016-02-20
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION (NY)

Mortgage was taking out in XXXX with XXXX. Due to divorce and declared bankruptcy. I have been trying to work with XXXX since XXXX to have my mortgage modified. I also made payments and applied for modifications. After being denied modification I stopped making payments on the loan. 
Currently I am not sure who owns the loan or services. As I have never gotten a formal letter notifying me. I receive a bill from M & T and Service request from XXXX XXXX Servicing on mortgage refinancing. 
I also searched my loan and noticed XXXX XXXX may own my loan.
Consumer complaint received 2015-06-01
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (NY)

I signed up to M and T auto draft on XXXX/XXXX/2015. The purpose of auto draft was for M and T to automatically draft my payments for my mortgage. M and T sent me an email thanking me for signing up for the service on XXXX/XXXX/2015. The email stated that I did not need to reply and I received no further correspondence in regards to the auto draft. All bill notices I receive from M and T indicate that if I am signed up for auto draft, the bill will be automatically paid. I have attached those emails. 

On XXXX/XXXX/2015 a letter was sent to me indicating that I could lose my home due to failure to make payments. I immediately contacted the bank after receiving the letter and made the payment of the phone. I wanted to dispute the late charges as I felt it was due to an M and T error/ miscommunication. I also wanted confirmation that it was not reported to the credit bureaus as the late payments were due to M and T not auto drafting. The person on the phone said they could not do that. I asked how I could follow up on that and the rep on the phone stated I could write a letter or go to a branch. 

I went into the branch at XXXX XXXX XXXX, XXXX NY XXXX on XXXX/XXXX/2015. In the branch I reviewed my concerns and made the above requests. This was escalated to the branch manager and they said they would look into it. I also asked to file a formal complaint and for documentation on M and T banks complaint procedure. The representatives stated that they could not provide this to me and that I could not file a complaint in person in the branch. 

I am at an absolute loss for what to do and I feel bullied by misinformation and apathy by M and T bank. They have a large amount of control over their customer 's lives and must be accountable for their actions. It is a simple case of an error that they made and they have done nothing to help fix it. 

I am requesting the fees to be waived, documentation that they did not contact any of the credit reporting agencies and for them to make filing a complaint easy so that issues can be identified and addressed. I would also like to be pointed in the direction of where I can locate my rights as a consumer when it comes to being able to file complaints with banking institutions. I have dealt with an unnecessary amount of anxiety over this issue with no assistance from the bank holding my mortgage.
Consumer complaint received 2015-09-09
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A. (IL)

I contacted Sears to increase my credit limit for me to buy one of their product I was denied such increase then received a letter from the company explaining the reason which was XXXX unsatisfactory credit and/or derogatory public record references ) I called the company XXXX/XXXX/2015 for more explanation since I was positive that I have no public derogatory on my credit account the customer service was not sure then confirmed that there is nothing on my credit history
Consumer complaint received 2017-02-08
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (NY)

My husband injured himself and needed to interrupt our trip overseas. We came home early in order to get proper medical care. We put in a request with Citibank Mastercard Benefits Program several months ago, and were assigned a case number of XXXX. We were told our claim would be handled by the XXXX 
We provided doctor 's notes, trip itinerary change information, and other expenses. No one ever got back to us. I called several times and ws told I needed to provide a physician 's note, which they already had. 
Now they claim that they only provide trip interruption insurance if the person was unable to TRAVEL ( even to fly back to place of origin. ) My husband was able to fly home, but not able to continue the trip. That is what I deem trip INTERRUPTION. I believe the wording in their Benefits Brochure is deliberately obscure. How can one INTERRUPT a trip and still stay overseas? They then would have claimed that our trip was not interrupted or cancelled. 
[ If a person got sick on a boat and was evacuated home, he was able to travel for medical care, but not continue his trip. Would he be denied INTERRUPTION insurance? How could he have both stayed on the cruise, and not stayed on the cruise at the same time!?! ] I would like them to honor the intent that any reasonable person would believe- trip INTERRUPTION means a trip that was interrupted due to a medical inability to continue that trip.
Consumer complaint received 2017-03-31
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: GVA Holdings, LLC (TX)

This is the last and final chance for you. 
This Legal Proceeding issued on your Docket Number XXXX with one of Cash Advance XXXX. The company in order to notify you that after making calls to you we were not able to get hold of you so the accounts department of Cash Advance has decided to mark this case as a flat refusal and press legal charges against you. 
case File # : XXXX Loan Amount : {$300.00} Amount Outstanding : {$790.00} Settlemen Amount : {$400.00} You are going to be legally prosecuted in the Court House within a couple of days. Your SSN is put on hold by US Government, so before something goes wrong we would like to notify you about this matter. It seems apparent that you have chosen to ignore all our efforts to contact you in order to resolve your debt with XXXX. At this point, you have made your intentions clear and leave us no choice but to protect our interest in this matter. 

XXXX XXXX XXXX XXXX HAS STATED 3 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION Now, this means few things for you. If you are under any state probation or payroll we need you to inform your superior or manager what you have done in the past and what would be the consequences once the case has been downloaded and executed in your name. If we do not hear from you within 24 hours of the date on this letter, we will be compelled to seek legal representation from our in-house attorney. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet. In addition, we reserve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred. 

WE HAVE ALL THE RIGHTS RESERVED TO INFORM TO FBI, FTC, YOUR EMPLOYER AND BANK ABOUT FRAUD. 
And once you found guilty into the court house then you have to bear the entire cost for this law suit {$6300.00} which is excluding loan amount, attorney 's fees, and the interest charges. You have the right to hire an attorney. If you do n't have one or if you ca n't afford then one will be appointed to you, we believe that this was not your intent and that these steps are unnecessary. 
IF YOU WANT TO RESOLVE THIS MATTER IMMEDIATELY CONTACT US.
Consumer complaint received 2017-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (FL)

My student Loan was serviced through XXXX/Navient. There were several times that I had XXXX issues affecting my ability to earn income. When I contacted the servicer for options I was steered into forbearance programs which increased the interest owed on my loan instead of offering any other alternatives available to me. I had no idea I had any options other than forbearance and was mislead to believe that forbearance was the only viable solution.
Consumer complaint received 2015-10-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (IL)

I set up a monthly payment plan with a credit card to pay down the loan. The company failed to withdraw twice because they claim the account amount was insufficient, I have records of my payment stubs to show that the account was more than sufficient. This is the second time an error of data entry on Navient 's part has resulted in payment error. However, the company is claiming that because of their error, I am responsible and will go into default. Every time I call to find out the issue, I am met with hostility and blame. I have followed on my end and Navient continues to make it impossible to relieve this burden.
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (GA)

I received an email on XXXX/XXXX/17 stating that Navient ( XXXX XXXX ) had a lawsuit against them for not giving their borrowers the opportunity to make arrangements on their student loans. I have student loans through this company.
Consumer complaint received 2016-07-12
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (IA)

I received approval for a new Citi credit card in XXXX, and a new card was apparently sent out XXXX/XXXX/2016. I never received it. I called two weeks later, stating I had not received my new card. At that time, customer service informed me I needed to wait the full 10 business days to receive it. I waited until the last week in XXXX to call back. At that time, over 20 business days had passed. The customer service representative told me they would overnight me a new card for free. I just talked to customer service again, on XXXX/XXXX/2016, and was told a new card was never sent and the account was not noted. I was using the online chat feature XXXX times because I could n't get through on the phone. The representative was rude, unhelpful, and would not answer my questions. I had to repeat myself continuously, and some of my answers were never answered. I requested that the card be overnighted free of charge, and they told me I would be charged for it. I asked that the initial spending period be reset so I could use the card and capitalize on the initial spending bonus, but that question was just ignored. I have a payment due on the account, and I have never even gotten the card. Their customer service was apathetic, at XXXX point they were just copying and pasting responses to me in the chat. I have tried calling customer service numerous times, but am put on hold for extended periods of time and then get disconnected. I do n't even know if the new card was sent.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (GA)

When my student loan was in repayment I would make a payment and if the payment was short they would not add the payment to my account until it was the full amount although it was two account they would not pay any of the account but instead they would report both account to the credit agency as being late. For example of my payment was {$50.00} and the payment was {$40.00} they would to apply it to any of my account and when I inquire why they would only say that that was the rule. They would hold the payment until I make another payment then they would apply it to my account which mean I was paying more interest than I would have had they apply the payment although it would not cover both account. At the time I did not know that I could have reported it to this agency. My loan have since been forgiven because I am total and permanent disable veteran.
Consumer complaint received 2016-09-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (IL)

I am the Co Signer on XXXX student loans for the same borrower. The loans originated in XX/XX/XXXX - XX/XX/XXXX. The servicer, Navient. is currently contacting me despite past performance on their part, poor recordkeeping by them, and the loans paid regularly since te first payment was due in XX/XX/XXXX.
Consumer complaint received 2016-12-09
Product: Credit card — 
Issue: Billing statement — 
Company: DISCOVER BANK (NY)

On XXXX XXXX, 2016 Discover Credit Card received and acknowledged receipt of {$1100.00} total balance payment for my credit card account which card 's identification number I changed after I complained about XXXX fraudulent charge made to my account which have since been credited to my account. However, my account balance payment of {$1100.00} has not been credited to my current account and past due charges have been levied on my account # XXXX : {$27.00} and XXXX. Here is a copy of my current account status and balance : XXXX. Take notice that my current balance does not account for my payment of {$1100.00} received by Discover Credit on XXXX XXXX, 2016. I have called Discover customer service on XXXX XXXX and again on XXXX XXXX, 2016 and was told that they would investigate but did not assure me I would be credited the payment I made to the same account which I had requested due to the XXXX fraudulent changes to my account which they acknowledge. 
All parties I spoke with including the fraud department were indifferent to my complaint.
Consumer complaint received 2016-05-18
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO. (OH)

On XXXX XXXX, 2015 my brother in-law purchased a XXXX Lincoln MKX vehicle from XXXX XXXX XXXX XXXX in XXXX XXXX, OH. On XXXX, he passed away. 
When his children arrived, for his funeral, they asked family members if anyone were interested in transferring the vehicle account number XXXX into their name and take over the monthly payments? Since they XXXX lived out of town, and had to dispose of his property? I decided, and agreed, being a retiree from XXXX XXXX XXXX, to transfer the vehicle into my name. My niece sent the death notice to Lincoln XXXX Financial Service and stated to them that I was interested in transferring the vehicle into my name. Since this was a new vehicle and was purchased two months prior to my brother-in-law 's demise it held a lot of sentimental value by keeping it in the family. 
After receiving the transfer application paperwork from Lincoln XXXX on XXXX/XXXX/2015, I filled it out and fax the application to them on XXXX/XXXX/2015. I was told by a representative of Lincoln XXXX, to call in a couple of days for a status check and was told the application was approved. With a credit score of XXXX plus, I just knew that this was n't going to take no more than XXXX days to process the transfer of equity/ lease paperwork. I immediately started looking for a buyer for my vehicle and found a person who was interested in purchasing it for a set amount that we XXXX agreed upon. 
I would like to know why it has taken four months for this process, and the title transfer still was not completed? I strongly feel that this is a case of age discrimination since I was XXXX XXXX XXXX when this process started. I kept asking the people at Lincoln XXXX, why was it taken so long to get this paperwork done, and never received any type of rational answer? I wrote a letter to the top Executives of XXXX XXXX XXXX, and all the letters seem to go to this XXXX XXXX Analyst for Lincoln XXXX who wrote me back and stated that the matter was being looked into but never given me any solid information on what they were going to do to rectify this situation so that this does n't happen to anyone else. I would like to know what are they going to do about getting this done in a timelier manner?
Consumer complaint received 2016-09-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MA)

I opened a CitiGold Checking account in XXXX 2016 under a targeted promotion coded XXXX that was sent to me through email correspondence. The promotion awarded XXXX Thank You points for the completion of : Opening a new regular checking account in the Citigold Account package and enroll it in Citi XXXX XXXX XXXX XXXX Rewards by XXXX XXXX, 2016. 
In addition within 60 days of account opening, perform XXXX electronic bill payment through various Citibank 's payment systems each month and continue for two consecutive months. 

The account allowed credit card funding at the time and I asked to be sent a form to process the initial account funding with credit card as my husband did a month prior. I sent in the credit card funding form twice with no confirmation or processing of the funds. I called and also online chatted with Citi Representatives as to when my credit card would be processed. After multiple attempts to fund from mailed in forms and over the phone interactions I was finally told that credit card funding was no longer allowed. It was now XXXX 2016 and after enrolling in the CitiXXXX XXXX program I had n't been able to complete the other requirements of the promotion ( bill pay ) due to not having the account funded. I spoke to a representative about this dilemma and they stated that if I made bill payments in the next two months I would still receive the promotional points due to policy changes on Citi 's end that I had no power over, even though those bill payments would be outside the XXXX window requirement. I made those bill payments on XXXX and XXXX, after having opened the CitiGold account before XXXX XXXX, 2016, completing all requirements for the promotion. After waiting 90 days for the points to post to my account I escalated this issue to a Citi manager and executive department because the entire reason I opened this account in the first place was due to this targeted promotion and the reputation behind CitiGolds accounts. The Citi representatives keep saying that they will not award the points because I made the bill payments outside the promotional 60 day window, even though I received explicit confirmation that I would still be eligible due to faults on Citis end. Citi has saved/archived chat conversations and secure messages from my account that will verify that an agreement was reached for me to obtain this promotional offer. I am requesting Citi abide by their promotion and reach the resolution of awarding XXXX XXXX Points to my checking account.
Consumer complaint received 2016-07-31
Product: Credit card — 
Issue: Sale of account — 
Company: CITIBANK, N.A. (AZ)

I had XXXX accounts with American Express. XXXX was the XXXX account I opened around 2004. The other was my XXXX American Express opened recently. I made a payment in XXXX in the amount of {$800.00} to my XXXX account when it should have been for the blue account. When XXXX switched visa XXXX bank this money did not transfer. The visa XXXX liaison said they do not see the {$800.00} in my history of my XXXX American Express card. American Express says they can not see my XXXX AE card at all. XXXX XXXX, my bank has denied my fraud claim. The {$800.00} is missing and I still owe that to my blue account. Please help! Thank you so much.