davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-02
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Rocket Mortgage, LLC (TN)

We began working with Quicken Loans on XX/XX/2016 on an offer to refinance our home with cash out, with an interest rate of 3.75 %. We paid a {$500.00} initial deposit to Quicken Loans on XX/XX/2016, based on the advice of the lending XXXX that we could receive a refund through the point of getting an appraisal. A conservative estimate of the home value used for the offer was {$240000.00}. Quicken Loans used their sister company XXXX to obtain an appraisal by XXXX of XXXX. The appraisal came back on XX/XX/XXXX with a home value of {$230000.00}. The loan offer went from {$190000.00} to {$180000.00}. The XXXX changed. We raised concerns about the significant errors in the appraisal. A revised appraisal was issued on XX/XX/XXXX correcting some of the errors but not all of them and not changing the appraised value of {$230000.00}. We continued to have conversations with XXXX XXXX representatives to request proper corrections to the appraisal. We submitted documentation of our concerns. The appraisal was revised again on XX/XX/XXXX, but again not accounting for all of the previous errors and not changing the appraised value of {$230000.00}. We requested a full refund of the {$500.00} for the appraisal or that Quicken Loans obtain another appraisal at its expense. Quicken Loans has refused both of our requests, and urged us to move forward with financing based on the {$230000.00} appraisal. We declined. Not only is Quicken Loans refusing to return our deposit, but we have now lost the opportunity for a lower interest rate loan.
Consumer complaint received 2015-07-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (CA)

To whom it may concern : I am writing to correct/update my address. My current address is:XXXX XXXX XXXX XXXX , XXXX # XXXX, XXXX , CA XXXXI also needed to correct/update my place of employment : XXXX XXXX with the XXXX XXXX XXXX XXXX XXXX , in XXXX , CA.
Consumer complaint received 2016-10-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Stellar Recovery, Inc. (NH)

This company placed this collection on my credit report with no contact to me prior. This company has entered into a settlement in XXXX with the XXXX of the Colorado Fair Debt Collection Practices Act for the same type of behavior. The creditor listed is XXXX which I had in XXXX and who erroneously put me in collections. I completed a dispute with XXXX and they cleared my account when they found their error upon investigation. This never was and is not a valid debt. I am in the process of buying a house and it has caused my mortgage interest rate offer to go up by 1 %.
Consumer complaint received 2023-02-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY (NJ)

I have tried to process my new car loan with Wells Fargo at XXXX, but I had to pay extra interest rates which was 13 % and after one year ( XXXX ) I still can not refinance the car loan. 
I have to pay extra {$10000.00} for a new car.
Consumer complaint received 2016-04-28
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Colony Brands, Inc. (GA)

I GOT BEHIND ON MY PAYMENTS BUT HAVE BEEN MAKING THEM. MY CREDIT REPORT IS STILL SHOWING NO PAYMENTS AND I HAVE MAILED THEM NUMEROUS LETTERS AND CALLED TO HAVE IT CORRECTED. I HAVE BEEN MAKING {$20.00} EVERY PAY PERIOD.
Consumer complaint received 2017-01-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

Simply, first they did n't consiladate ALL XXXX of my loans. XXXX were left out. Those XXXX loans were now heading to collections. They consolidated those XXXX loans. So now technically I have 2 monthly payments coming out of my account. XXXX payment of the XXXX did not go through so they just sent them to collections and I was told they ca n't get them back out of collections. This mess also started that I keep get denied a loan even with a cosigner to return to school to finish my degree, in order to get a higher paid job in order to make these payments!
Consumer complaint received 2016-02-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (IL)

In 2007 I XXXX with an XXXX degree. Since then XXXX was purchased by XXXX XXXX and now they too, out of business.. The XXXX location that I went to was sued and found to have given fraudulent placement rates and graduation rates. 
My private loan listed on Navient is at {$49000.00} and not only can I no longer afford this, I do n't feel like I should be paying for a worthless degree and education that I chose based on their lies. 
The other issue is they have the completely wrong school listed on my loan. They have the XXXX XXXX XXXX XXXX, which I have NEVER attended. 
A lawyer suggested I reach out to this agency for info and assistance. Thank you for your time and any help or advice you may be able to provide.
Consumer complaint received 2015-08-03
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Flagstar Bank, N.A. (VA)

In XX/XX/XXXX I moved out of my home that was mortgaged with Flagstar Bank. 
XXXX Loan # XXXX XXXX I rented the home until XX/XX/XXXX when my situation dictated that I could no longer afford the home to to debt, divorce, car loans, 2nd Mortgage, etc. I tried to get Flagstar bank to refinance my home at the appraised value which was {$60000.00}. They refused to help me even though my loan amount with my 1st and 2nd was over {$100000.00}. I could not make the payments and could not rent the home to recoup what I owed per month. I also fixed up the home and tried to sell it at the lowest amount possible. Nothing worked. 
I walked away from the home due to these factors and Flagstar took it back and sold it afterwords. I am now trying to refinance my current home and can not because this is still showing up on my credit score because of the gap between what I owed them and what they were able to sell the house for. I received no help during my process of trying to keep the home at a reasonable amount due to the constant hurdles and road blocks put up by the finance department at Flagstar.
Consumer complaint received 2016-01-20
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION (PA)

BB & T purchased Susquehanna Bank. They are a horrible bank. I have a checking account and a line of credit which includes a fixed loan and the line of credit with them. I tried to take XXXX from my checking account and apply it to the principal balance on my line of credit. They, on their own, decided to split the XXXX between principal and interest on the line of credit and fixed loan. I called and fought with them about fixing this. Supposedly they fixed this but since then I have been locked out of my credit line account. You can see the balance only, but NO transactions, so I have no way of knowing if anything was corrected. I have called the branch manager and the IT dept., who XXXX can not access my account. Their IT dept informed me that they are aware of the issue and it was supposed to have been fixed on XXXX XXXX, but hope now to have it fixed by XXXX XXXX. So I have NO access to my account for 2 weeks. They told me they are trying to create an entire new web site, since the old XXXX is messed up, they new one also does n't work. Meanwhile, IT IS MY MONEY AND THEY HAVE BASICALLY LOCKED ME OUT FROM VIEWING IT, AND THEREFORE USING IT. I received a monthly statement from them which shows a fee/service charge for {$57.00}. I have no idea what that is, and i can not find out about it since I am locked out. Besides that, when I called the bank to find out about the fee, they can not find it as well. They have no idea what it is, no one there seems to know anything, but they have access to all my money, but can not tell me anything. THIS IS NOT A CORNER DELI, THIS IS A BANK. This is so entirely unacceptable. I have never heard of a bank with issues like this, I feel like they have stolen my money. There should never be a time when you can not access your accounts ; I do understand that they need to update their systems from time to time. That is usually late at night for a several hour window. This is for several weeks and should be against the law.
Consumer complaint received 2017-03-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (AZ)

We began the process of a " Rocket Mortgage ''. After giving information online Quicken needed to get our credit report. After checking our credit ( XXXX and XXXX, for some reason it always comes up less in the mortgage process ), Quicken said we needed to contact them to continue as our income is primarily from rental properties. Had we know this in advance, we would not have approved the credit check and subsequent credit hit we would take from it, and I did let XXXX from quicken know about it. After an hour and a half online, Quicken need my tax returns. I was not quick enough in getting it to their online service and was told they would look at it when it was there and they ended the chat. This morning I tried to load my tax returns and I discovered a letter telling me my loan application has been denied for not having my income supported as I was about to do. This is clearly retaliation as I had indicated I would forward this to the CFPB. Now I have a second " ding '' on our credit for the loan denial. Something wrong is going on here and I hope you will examine it. I do have transcripts of the online chat, and the rejection letter.
Consumer complaint received 2023-01-31
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC. (NY)

I asked ALLY Bank close 4 No-Penalty CDs on XX/XX/2023. They did not close the accounts in 1-2 business days as promised. Some of the CDs took 6 days to close and one is still not closed as of today ( three weeks later ). I asked that the money from the closed CDs be transferred into a savings account at ALLY bank that paid a higher interest rate. Because the CD closures were delayed, I was paid a lower rate of interest on that money than I should have. I called many times asking them to rectify the situation and as of today, it still has not been resolved- despite the ALLY Bank agent saying that the Bank will correct the situation. I suspect that I am not the only customer who ALLY Bank underpaid interest. Most people don't notice or are too busy to chase them down. I have spent several hours on the phone and emailing them. 

If the CFPB investigates ALLY Bank, they XXXX find that ALLY Bank has a pattern of keeping money that is owed its customers. The ALLY Bank agent I spoke to said ALLY BANK has been understaffed. To rectify the situation, perhaps the CFPB can prevent ALLY from accepting new customers until it shows it has adequate staffing and can maintain proper internal controls. Or, perhaps ALLY Bank should be broken up into smaller banks that would be easier to manage. If there were more smaller banks wouldn't competition increase, so the quality of service in the industry would improve?
Consumer complaint received 2016-01-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC. (TX)

I banked with Ally Bank from XXXX until XXXX XXXX, XXXX the bank made the decision to close my checking account due to them allowing someone to transfer money from my account to another account. They reimbursed the funds to my account but now they are giving me the run around about my refund for the closing balance. I hhave been communicating with a XXXX XXXX who has told lies to me and her supervisor XXXX who has taken her word to be true my account was closed in early XXXX I was sent an email as notification and told on XXXX XXXX, XXXX the check for my remaining balance has been mailed I then ask to what address nd then informed it was mailed to my previous address to an address I had moved away from 6 months prior so the check was returned by the resident currently living at XXXX XXXX XXXX XXXX, XXXX but before that I informed XXXX that I was moving and when the check was returned if it could be sent to my new address XXXX XXXX XXXX at that point she required me to email her a copy of my lease which I reluctantly did since I was evicted from my previous address due to all the fraud which was allowed to my account she informed me that on XXXX XXXX the check was returned to the back after I had wait per her instructions not to call back until XXXX XXXX which I call back on XXXX XXXX I am bein given the run around and about to be evicted a second time I am a XXXX vet and do not have the income to be going thru this XXXX money all I want is to get my money and I am done if they continue I want have an address to send it to I will be on the street
Consumer complaint received 2017-03-10
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: DHI Mortgage Company (FL)

I have been dealing with DHI mortgage company for over a month to close on a house. I signed all my documents except for ones which contained numbers. I did that because the numbers were wrong. It took them the longest time to get back to me with the numbers and then when they did they were still incorrect. I had to follow up with them on whether everything was handled. Now we are XXXX business days from closing and the want me to resign all initial disclosures because they stated I never signed them. I am extremely frustrated and feel as if they have been highly unorganized and unprofessional. They still had me submitting XXXX up to XXXX weeks ago when I submitted all these items over a month ago. They also have not been good about going over the numbers with me either.
Consumer complaint received 2017-01-21
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NY)

I have been wrestling with this loan payment since graduating in XX/XX/2008. Hindsight being what it is, I was not so subtly guided towards taking a loan out from Navient ( then XXXX ). While I have been able to temporarily reduce payments by way of forbearance or interest reduction rates, they have been just that -- temporary. What there is no transparency of or any information relating to is how temporary these " assistance '' programs are. You are only allotted up to two years of forbearance relief before they simply tell you, " You ca n't renew this program as you have used up your allotment '' without any warning leading up to it. The reduced rate interest programs are good for a year. You can continue to attempt to apply for them, however even if you are accepted your base monthly rate will still increase. My reduced monthly rate went up 61 % from the first year to the second. When I tried attempting to go for the third year, I was told that I make too much money, and now my monthly payments are higher than what I pay for rent. Terrible practices, not enough information, and no relief programs in sight. Borrowers beware : Never take a private loan unless you are 1,000 % certain that you are well within your means to pay it back immediately! Unless I find some relief, this will be hanging over me the rest of my life.
Consumer complaint received 2016-06-28
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: AVANTE (NY)

Debt was settled in 2010. Collection agency is using robo-calls to harass from number XXXX. Constant calls 3-4 times per day, always no voice on the other line, always immediately hangs up. When I contacted the company associated with the number it was the following : AvanteUSA, XXXX, TX. 

And they were attempting to collect an 8 year old debt that was discharged long ago.
Consumer complaint received 2016-02-18
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (NH)

My mother has been paying this loan we took out together for about 8 years now. I am unable to pay anything towards it at this time and paid very little in the past so honestly I have not paid much attention to it and her payments until recently. The original amount borrowed was XXXX. The school told us it was the best loan, cheapest and easiest to deal with. We have had no prior loan experience. And none of my other siblings attended college so we were completely new and in the dark about it and used the school financial adviser for our information. They told me, at just XXXX yrs old and very naive, and my mother, who just lost her younger sister in a XXXX, that I was eligible for financial aid but had missed the deadline so I could apply the following year when application opened again and they would cover most of if not the full loan. So we trusted them and jumped in. Well that was all untrue. I signed up for the financial aid immediately after I graduated and was told that was not allowed bc I had to sign up BEFORE I went to school not after ... So back to today, My mom recently showed me a bill which shows we 've paid about {$27000.00} at this point but the balance is still just over {$50000.00} ( Come down only about {$4000.00} ). We are in over our heads and the loan company has not been helpful with options. They gave us our XXXX allowed forbearance early on and had us pay just interest at XXXX point for a year or two as well if I remember right ( I can get all this exact info later if needed ) but otherwise it seems we 've exhausted all our option and now my mother is about to move out and wo n't be able to afford the bill so she wants me to pay it and with my own children to care for ( including tuition for XXXX ) and a high rent for our home plus car payments etc there 's no way I can do this. I am so worried about my kids and I ending up on the streets over this and my older son having to leave his school and really need some help getting some of the {$27000.00} paid towards the loan itself and not whoevers pocket its going into, or getting the loan lowered and affordable. Also the school president at the time, XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX MA was apparently stealing money at the time I went to school and I ca n't help but wonder if he paid of the financial aid woman to lie to us incoming students about getting financial aid just to get us to get loans to pay him : ( Please help if you can. Thanks XXXX
Consumer complaint received 2016-12-21
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Conn's, Inc. (LA)

On XX/XX/2016, I was at a retail store and was denied my purchase due to my credit dropping. It was a total shock and embarrassment to me as I had been getting increases in the recent months on other cards I had. 

So I pulled it up on XXXX and saw that Conns reported a 30 to 59 day late payment on my credit. This never happened! I immediately called Conns and they researched it and I spoke to 3 different people that day including a supervisor named XXXX who confirmed that it was reported in error and they would escalate this situation to have it handled immediately as it was affecting my XXXX shopping and a big gift for my kids. 

XX/XX/XXXX I contacted all 3 credit bureaus to dispute this with them. 

On XX/XX/XXXX I called back because it had not been corrected and I had not gotten correspondence. They informed me that on the XXXX the ticket was closed because they needed me to send a copy of my credit report ( made no sense because they reported it ) but nobody ever told me I needed to send it. So I immediately emailed it and was assured it would be taken care of. 

XX/XX/XXXX I called back and nothing happened. I spoke to XXXX who sent me to a supervisor named XXXX who assured me it would be sent to escalation team and I opened a complaint at that time number XXXX. 

XX/XX/XXXX I spoke to XXXX who said it would be at least 30 days because it was in credit dispute department ... I told her the 30 days started on the XXXX. She was going to have a manager call me back within 48 hours because there wasnt one available for me to speak to. I NEVER GOT THAT CALL XX/XX/XXXX I called back and they said the ticket was closed because they need a copy of my credit report ... THAT I EMAILED AND THEY CONFIRMED RECEIVED PREVIOUSLY. Miraculously that person was able to find the credit report and send it back to the credit department and it would take 30 days ... 

XX/XX/XXXX Spoke to supervisor XXXX after talking to XXXX for 10 minutes who told me she could n't find what I was talking about. XXXX said she sees that it has been put in and deleted and put in and deleted but did n't know why they were doing this. Again, sent it to escalation department ... at this point I am sure this is a tactic to buy time and pacify the customer, I do n't think it exists. 

Today nothing has been removed or fixed, XXXX is 4 days away.
Consumer complaint received 2017-03-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Perfection Collection (MD)

I am writing to inform you that Perfection Collection LLC has placed information on my credit file even though I had disputed them within 30 days. They are a third party debt collector and I have not contract of agreement with them. They continue to report the negative information on my file as if I have a current account with them. The account was sold to them in XX/XX/2009, and was discharged in a Chapter XXXX filing.
Consumer complaint received 2016-04-06
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: AES/PHEAA (MA)

I am currently in the middle of changes, and getting a good full time position, as well as making a move. I feel my student loans hanging over me, and I have a lot to figure out. I know there are many in circumstances possibly related. My issue is XXXX related and finances to repay monthly.
Consumer complaint received 2016-12-12
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MIDFIRST BANK (FL)

I 'm currently in a repayment agreement with Midland Mortgage, when my home 's roof and ceiling suffered storm damage form XXXX. I was told by a representative of Midland to make the necessary repairs and the loan payment would be taken out of the insurance check. I was behind approximately 15 days because I make repair to my home to make it safe and livable. Midland received a check in the amount of {$6200.00} but Midland loss mitigation employee, XXXX, refused to apply any payments and cancelled my repayment plan and submitted my loan for foreclosure. When I spoke with XXXX, he had a very insensitive negative attitude. Considering the circumstances, his actions were very nasty!
Consumer complaint received 2016-11-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (CA)

I have a private student loan with AES. 
The original lender was XXXX XXXX XXXX. 
The original loan amount was for {$16000.00}. 
My balance with a few deferments here and there is now {$24000.00}! I make my payments every month and they keep increasing my balance. They harass me and tell me that I am late on a payment when I am not. 
They are reporting a double balance on my dad 's credit as the cosigner. The way they are amortizing the interest has to be criminal. I was attending XXXX XXXX XXXX XXXX college at the time I took out the loan.