davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: Nexera Holding LLC (AZ)

I wanted to refinance an existing ARM mortgage that was at 3.25 % and was to expire in late XXXX, with a new XXXX ARM at a lower rate. A company called Newfi finance offered a new XXXX ARM at 3.00 % in XXXX XXXX. My loan was less than 70 % loan to value. 
I provided every information they needed or asked for. They then requested that I pay for an appraisal to " lock in '' the rate. That appraisal cost me {$440.00}. I was assured that the loan was a go and was sent and E-signed all the the documents. Meanwhile the mortgage rates started to rise and suddenly the company rep was not returning my emails and phone calls. After a period of two months I finally called their corp headquarters and asked to speak with " some one in charge ''. At that time the gentleman informed me that there was a problem with verifying that I actually live at the residence since I use my business address as a mailing address on my utility bills ( I have used this address for over 25 yrs. It is safer for mail and identity theft as the mail is brought in to my business and handed to me 6 days a week ). I informed them that I can simply have the mailing address changed as I only get e-bills any more and did so right a way and sent them the information. I have never heard from them since, with the exception of a letter from a law firm claiming that I had not sent them the needed information. This firm has NEVER sent me a piece of mail. No " denial of credit '' or any other communication regarding my loan. They just hoped that I would go away. 
It is either discrimination ( I am an XXXX ) or greed as the mortgage rates ahd gone up. Either case is inexcusable.
Consumer complaint received 2017-03-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services (CA)

Hello, I repaid the full balance of my consolidated federal student loan to Acs/XXXX XX/XX/2016. I have my original loan note, proof of payoff, congratulatory letter of repayment and proof of interest schedule showing I paid off my loan completely. However after many calls to ACS has not updated showing the loan as paid in full. Actually there are erroneous notes applied to my credit report saying that ACS filed with the federal government to have the insured amount of the loan repaid by the federal government to ACS. However I paid my loan in full. I believe it is fraudulent of acs/and XXXX to try and collect money from the federal government when I paid off the full balance ACS reported my loan as Negative/closed. However they need to change their notes to Paid in full /and closed on my credit report. The information on all credit reporting agencies have remained incorrect for over 12 months. My credit continues to suffer because they have not reported the paid in full status properly on my credit reports. Although I had been late on my loan prior, due to the lender not working with me on a payment structure, and divorce, I refinanced my home to pay off the full debt I owed ACS/XXXX including all interest owed.
Consumer complaint received 2023-04-14
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. (CA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX Account # XXXX - auto loan repossession with a balance of {$11000.00} owed is inaccurate and has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-05-09
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HW Holding, Inc (TX)

The amount was immaterial ( {$97.00} ), was reported to the collection agency prior to being 30 days late, and was paid within 30 days from original report to collections agency ( paid within 60 days total from date amount was due ).
Consumer complaint received 2017-01-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (IL)

Chase bank did a analysis on my mortgage after they received my home owners insurance, which went from {$690.00} to {$450.00}. They told me I had to much money in my escrow so they sent it back to me. Then they send me a mortgage bill my mortgage has went up, because I did not have enough in my escrow, I called and complain to them. why did you send me money back and then say I do n't have enough escrow. My mortage has went up from {$720.00} to {$720.00}. with a shortage of {$22.00}. I pay the {$22.00} and then they tell me my mortgage will be {$700.00}. After I pay that for one month it went back up to {$720.00}. I called again, why is my mortage going up and down. they claim because I have a shortage of {$22.00} but they after I paid it that it would only be {$700.00} for that month. They also claims my taxes are going to be higher XXXX they evaluated that. Well I received a letter in the mail that the board filed in my favor that my real estate assessment was not correct and that it change from XXXX to XXXX, XXXX making it a difference of XXXX. I want them to stop messing over my mortgage and if everything is going down, so should my mortgage. The person was rude, which was a supervisor and I told her that I was going to file a complaint because they are not doing their job. I am a single parent and I am on a budget, I am not trying to pay a high mortgage if I have the money in my escrow to cover my taxes, they told me it is state law you can only have so much in your escrow, then why have a escrow I can pay my taxes myself if that is the case. They are not taking into consideration non of my discounts.!!!!!!!!!!!!!!!!!!
Consumer complaint received 2017-03-16
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Cascade Capital, LLC (FL)

Received a letter in mail from XXXX in reference to a debt of {$760.00}. Letter indicates original creditor was Cascade Capitale which I have no knowledge of. This is causing me anxiety and fear my personal information is being shared with others which can cause identity theft. In no way this debt has been validated as mine and I request company to cease contact and delete information as to this may potentially affect my credit and/or use identity.
Consumer complaint received 2015-07-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HW Holding, Inc (PA)

I received a collection notice from this agency without ever receiving any notice of the claim prior nor validation of the claim such as utility statement. Agency stated no further action would be taken until validation was secured. Posted to credit agency which has cused a denial for apartment rental
Consumer complaint received 2016-07-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HW Holding, Inc (TX)

Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to Hunter Waefield Inc. I had my Personal financial coach speak on my behalf. XXXX XXXX XXXX spoke with Hunter Warfield Inc. The Apartment lease was only two months broken and I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act a Debt Collection Company has 30 days to validate the debt. In my case my debt was never validated by Hunter Warfield Inc. In this case my debt should be removed from my credit report and out of the office of Hunter Warfield because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas no debt collector can collect in the state unless they are register by the State of Texas.
Consumer complaint received 2016-11-15
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (MN)

My son XXXX moved to XXXX, XXXX and had the post office forward his mail to XXXX. 
Without my knowledge, the post office asked Home Depot to change my billing address from XXXX, XXXX to XXXX. 
Home Depot changed my billing address to XXXX without my knowledge and without notifying me of the address change. This caused me to be late on a {$30.00} payment ( the total statement balance ). When Home Depot called me by telephone to notify me I was late, I immediately paid them over the phone by debit card. 
My name is XXXX ; it is not XXXX. I am sure the name similarity contributed to the oversight. 
I called Home Depot card issued by Citibank and the bank reversed all late fees and interest charges. However, neither Home Depot ( Citibank ) or the credit bureau has removed the mark against my credit score which dropped about 100 points to 755. 
I have explained this three times to both Home Depot and the Credit Bureau. 
Home Depot told me to work it out with the credit bureau. However, when the credit bureau calls Home Depot, Home Depot ( Citibank ) tells the credit bureau that it was n't the banks fault because the post office told Home Depot to change my billing address. 
The one credit bureau I talked to ( XXXX ) did remove the erroneous previous address ( XXXX, XXXX ) from my credit report. 
I 've had a near perfect credit rating and I believe this is an unfair billing practice and I want my credit rating to be restored.
Consumer complaint received 2015-12-02
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (MA)

On XX/XX/XXXX I placed an order on the Macys.com website with a total of {$590.00} using my Macy 's Credit Card. On XX/XX/XXXX I received an email saying that half of my order was back ordered until XX/XX/XXXX and I canceled this part of the order. I called Macys customer service to have the charges of {$360.00} removed. They said that it would take 3-5 business days for the hold to be removed. Today is XX/XX/XXXX and the charges have not yet been removed. I have been on the phone with Macys customer server for over an hour and they are refusing to assist me.
Consumer complaint received 2015-09-10
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (NY)

I received an application from CITI for a XXXX Credit Card. On XXXX/XXXX/15, I called to inquire information about it. My main concern which I reiterated was that I did n't want to lose my points that I had accrued. The gentlemen I talked with initially said I would, but then when I said I had XXXX CITI cards which were linked together earning points, he then put me on hold and said he needed to talk with someone about this. He came back to the phone and said, no I would not lose my points and he would open up the new XXXX Card. I asked him again, are you sure. He said yes, that I would n't lose my points. I then got his name & where he was located, just in case there was a problem. For several months the points were on my statement, so I never gave it any thought there was a problem. Then I checked my statement on line & the majority of the points were gone. I called CITI XXXX XXXX/XXXX/15 XXXX & talked with someone who stayed on the line while I talked with the Department who handled the Thank You Points. She had the other operator fill out a dispute form & said, that it was what had to be done, but assured me that I would get my points back. I received a letter date XXXX/XXXX/15 denying my reinstatement of the points. 
XXXX/XXXX/15 ( XXXX call ) I asked the representative to please pull the voice recording to verify what I was saying was true. She said there was nothing more she could do. 
This was blatantly fraud on the gentlemen 's part to initiate this credit card when I emphasize that I did not want to lose what I had been saving up for years with my points. My points were denied.
Consumer complaint received 2015-10-09
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (WA)

I have a Citibank bank account XXXX checking ) and credit card and ATM/Debit card. I travel. Every 5 years when my ATM card expires Citibank disconnects me from my on line banking, until I enter information from the NEW ATM card that they sent to me. But I am traveling and I did not get my new ATM card yet as it went to my mail forwarding service. So I can get it if I call my service and ask them, to package up my mail and send it to me here in Maine. However receiving mail where I am in Maine is not too secure. Please note that no other bank that I use DISCONNECTS me from my on line banking every 5 years when my ATM card expires, and usually I am not at a place to receive the new ATM card as I travel.
Consumer complaint received 2016-07-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I applied for a Citigold checking account with a promotion for XXXX AAdvantage points if {$1000.00} of debit purchases were completed within 60 days of opening an account and making qualifying bill payments for two consecutive months. I fulfilled the requirements but had not received the points so I made an inquiry. Their investigation tells me that I will not receive the XXXX points because even though they did not provide me a debit card until after XXXX/XXXX/2016, they started the 60 day duration for debit purchases ( which require a debit card ) on XXXX/XXXX/2016. I have included a timeline of events below. 

XXXX/XXXX/2016 - Application submitted Late XXXX - I received a packet saying that I needed to sign and complete an enclosed signature card, IRS Form XXXX, and also fund my account before it could be activated XXXX/XXXX/2016 - I mail a {$4000.00} check deposit, signed card, and XXXX to Citibank XXXX/XXXX/2016 - I receive an email stating my account is not activated and I have a few more steps. I call and confirm that I have completed the steps and I 'm waiting on my account # and card XXXX/XXXX/2016 - I notice that my check has cleared my XXXX XXXX account, but I still have not received a card or account number XX/XX/XXXX/XX/XX/XXXX - I receive my debit card XXXX/XXXX/2016 - I start making debit purchases XXXX/XXXX/2016 - I make a bill payment to Bloomingdales XXXX/XXXX/2016 - I fulfill the requirement of making & gt ; {$1000.00} in debit purchases XXXX/XXXX/2016 - I make my second Bloomingdales bill payment XXXX/XXXX/2016 - I make an inquiry and Citibank opens an investigation. 
XXXX/XXXX/2016 - I follow up and I 'm told that they are overwhelmed with similar inquiries to mine and I need to be patient. 
XXXX/XXXX/2016 - I follow up and give them information that I proves that I am a targeted member of the promotion and fulfilled the requirements. 
XXXX/XXXX/2016 - Citi responds saying they see I 'm part of the promotion but they opened my account on XXXX/XXXX/2016 and I did n't complete the debit purchases until XXXX/XXXX/2016. 
XXXX/XXXX/2016 - I respond saying this can not be true because I could n't possibly make debit purchases without a debit card and I submitted a check to activate the account on XXXX/XXXX/2016 which they did not deposit until XXXX/XXXX/2016 XXXX/XXXX/2016 - Citi responds saying they 've added the notes to the investigation, but it may not get an exception. 
XXXX/XXXX/2016 - I respond saying it is not an exception, it 's a system error. 
XXXX/XXXX/2016 - Citi responds saying the investigation is closed, they list the promotion requirements, and state that I did n't make debit purchases within " stated timeframe ''.
Consumer complaint received 2016-11-02
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (AZ)

I moved to another state ; attempted to change address multiple times with Citi. I had not received a statement from Citi in over a year. I called multiple times to change my address. I could not reach a human being until I called on XXXX/XXXX/2016. I was told by this person, my payment due had increased and I was now over my credit limit ( mind you I used the card one time for a promotional purpose when I opened this account ). Citi had charged multiple fees and penalties onto my account and had NEVER notified me of an issue. Upon calling in and finally getting a person to speak with ; Citi has refused to do anything other offer to waive XXXX interest charge and XXXX penalty fee. 

I believe Citi to be acting in a malicious manner towards consumers. Creating a maddening voice response system to cause confusion and near inability to speak with a live person, not promptly updating address records, and not contacting the consumer when there is an issue with the consumers account. Thus resulting in more ad more fees being added to the consumers account.
Consumer complaint received 2015-06-02
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (NY)

I was told over the phone and I received a letter from Exxon Mobil stating that my credit card did not charge annual fees. At that time my card had a XXXX balance. XXXX month later I was charged an annual fee of {$29.00}. I did not pay pending a reversal of that fee. I was refunded {$24.00} leaving me with a balance of {$4.00} and subsequently charged a {$2.00} fee for non payment of the {$4.00} and charged another {$2.00} fee on the following month. All due to an annual fee I was told I would not incurr. They refused to refund the late fees and I was forced to close the account so as not to incurr in further fees, or forced to pay the illegal fee charge.
Consumer complaint received 2017-02-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (FL)

we refinanced approx. 10 years ago, we was told this could help us in the long run. we pay XXXX dollars a month for mortgage payments. for ten years we have not seen any movement on our balance. principal interest or anything else. we payed in advanced for three years of mortgage and after noticing no movement on our balance the stated the computer was not set up to handle this transaction.10 years at XXXX dollars every month. no credit to the account we have lived here over 20 years.citifinantial sold our mortgage after we insisted on sending us something showing where our money was going. please help if you can.
Consumer complaint received 2016-10-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (MO)

My home loan was through CitiMortgage, Inc. My homeowners insurance was through XXXX , Mo , expiring XXXX. XXXX XXXX did not renew my policy and did not notify me of the non renewal. CitiMortgage purchased force-placed insurance on the structure only, not the contents but did not notify me of this. My house burned down on XXXX XXXX, 2015. I called my insurance company and was informed I had no insurance. I called CitiMortgage and was told it was notified by my insurance company of the non-renewal and had acquired force-placed insurance, but did not notify me as required by XXXX. I received compensation for the loss of the structure but there was no coverage for the contents. My attorney wrote a letter to CitiMortgage and we have heard nothing. I have calculated my loss that was not covered. XXXX XXXX XXXX XXXX and CitiMortgage should be responsible for this loss. After my house burned down on XXXX XXXX, 2015 I called CitiMortgage. This is when they told me my homeowners insurance had lapsed. They sent me a letter telling me about the force-placed insurance on the same day and I am attaching it to this complaint.
Consumer complaint received 2016-08-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I opened a new CITIGOLD account on XXXX XXXX, 2016 that offered a {$500.00} bonus for " an eligible deposit of {$50000.00} or more into a new checking or new savings plus account. '' The only other requirement was to maintain a balance of {$5000.00} or more " for the next 30 days. '' Today is XXXX XXXX and I have made numerous calls to customer service and the bank branch ; there issued a number for an investigation ( XXXX ) on XXXX XXXX, and still no call or contact. It certainly defeats the marketing concept!!! What can I do now?
Consumer complaint received 2016-10-04
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (CA)

I paid down ( Approximately XXXX XXXX ) my Cedit Card by XXXX with a XXXX XXXX XXXX XXXX ( photo of Money included prior to mailing ) by mailing the Money Order to Citicards. I kept checking my card balance to see if the payment was ever applied to reduce my balance. The Balance was never reduced and the I found out from the XXXX XXXX XXXX that the Money Order was cashed on or about XXXX XXXX, 2016. I have filed papers with XXXX XXXX ( also included ) requesting an investigation. I have also requested CitiCards ( Payments Investigation Dept ) to determine who cashed my Money Order made out to Citicards. I also forwarded to Citibank copies of my paper work to XXXX XXXX requesting an investigation ( paperwork also attached ). 

I am aslo forwarding to the CFPB copies of documents forwarded to Citicards and XXXX XXXX.
Consumer complaint received 2016-02-15
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A. (MD)

XX/XX/XXXX I opened a Home Depot/Citi Financial Store Credit Card to buy things to remodel my father 's house because of the offer of a Deferred Credit Payment. It sounded very attractive. The large items I bought were replacement windows, Washer/Dryer, Stove, Dishwasher, refrigerator and then smaller item such as throw rugs, paint, hardware, room fresheners. The total beginning balance was about {$12000.00} and I paid it down in large amounts of between {$500.00} and {$1000.00} every month so I was n't worried about the deferred payment as the appliances were more than paid off and the windows as well as the small items were not part of the deferred items. By XX/XX/XXXX there was an additional {$1600.00} on my bill balance and they said it was the deferred payment. In XX/XX/XXXX it happened again. I was paying it down but it kept going up. There was nothing I could do about it. They do not make it clear when you are paying large monthly payments that you are not paying off the deferred payment. In retrospect I should have gone to the store in person to make the payments and make sure the payments were going directly to the Deferred Credit account. I have paid off the bill in full today and closed my Home Depot Account. Please do something to make sure that there is some way to make these payments clear. For the interest charged I could have bought XXXX sets of Washer Dryers instead of XXXX. They are loan sharks and sheisters.