davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-22
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: BB&T CORPORATION (MA)

Hello- I took a loan about 5 years with Regional Acceptance corp , loan was paid in full sometime in XXXX or XXXX in 2016, sometime in XXXX I contact Regional to get an update on the mail of the title and I was told that the tile was mailed to my address that I needed to wait a few days, a few days went by and I told them that I was still waiting on the title and their recommendations was to go to the XXXX office to request a duplicate, I been to XXXX different locations trying to obtain this document and up until now I been unsuccessful to do that, at XXXX they are telling me that they need a Lean release from XXXX in order for them to complete my request, XXXX is part of the corporation own by Regional Acceptance. I have contact Regional multiple times and request the lean release but instead the paper that they have provide me with is not the correct documentation. Im attaching copies of Statement of act, Power of Attorney & XXXX statement of fact obtain from Regional each time I have placed a call requesting the lean release. I can use some help since I do n't know what else to do or where to go. Im also including a copy of the registration /title inquiry from XXXX and a copy of the Application.
Consumer complaint received 2016-05-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Aspen Yo LLC (CA)

We just completed and discharged our Chapter XXXX bankruptcy officially on XXXX XXXX, XXXX. 
ALL of our payments had been paid on time, along with {$24000.00} roughly, of interest arrearage paid to the XXXX mortgage holder/servicer Gregory Funding prior to discharge. ( see attached documents ) .To our shock and surprise we received a " Notice of Intent to Foreclose '' from Gregory Funding XXXX dated XXXX/XXXX/XXXX stating that we were delinquent 6 payments back to XXXX XXXX, along with nearly {$28000.00} past due amount, late fees included. The notice also showed that our payment would go up nearly doubling, as of XX/XX/XXXX.
Consumer complaint received 2016-05-24
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Stenger & Stenger, P.C (MN)

I received a collection letter containing a settlement offer from Stenger & Stenger, a law firm representing XXXX XXXX, dated XXXX XXXX, XXXX. The letter indicates they are collecting on my former XXXX XXXX XXXX account in the amount of {$880.00} and that XXXX XXXX is my current creditor. 

I was extremely upset by this, I assumed they were going to sue me if I did n't pay them. I was too embarrassed to tell anyone and did n't know what to do. This proved to be XXXX. XXXX XXXX some years back caused by XXXX XXXX, I spent quite a while in XXXX which is why I fell behind on my XXXX card to begin with. Now it was happening all over again, XXXX. My Dr. could n't understand it, I had been doing so well. XXXX. XXXX, XXXX. XXXX. All of this caused because I was so afraid of being sued. 

I finally confided in my daughter about this and she started helping me. First she pulled my credit reports and found my old XXXX account was only reporting on one due to how old it is, it 's gone from that one now too. She did some research and this is what she found. 

My XXXX account is past Statutes Of Limitations for suing and was at the time of their letter. Their letter does not indicate that, it was supposed to. I thought if I made a payment it would reset the SOL clock, I now know it would not. 

Their letter gives a deadline date of XXXX XXXX, XXXX for payment, this is why I was certain they were going to sue me if I did n't pay by then. It was very misleading. 

Their letter indicates XXXX XXXX is my creditor. They can not be, they are a debt buyer. XXXX XXXX owns XXXX XXXX XXXX as well as XXXX XXXX. They have an unscrupulous reputation and are banned from filing suit in some states. 

Their letter does not include any of the information it should have. No dates as to when the account was originally opened, the last payment, first delinquency, charged off, when XXXX XXXX supposedly purchased the account and from whom. They did n't even include the account number. 
The amount they are trying to collect is {$880.00}. The amount the XXXX account was charged off for was {$270.00}, a {$610.00} difference. 

My daughter found this court case that is very similar. 
XXXX v. XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX ( XX/XX/XXXX ) My daughter also helped me with this complaint as well as a letter to Stenger & Stenger , dated XXXX XXXX, XXXX, sent via Certified Mail with a Return Receipt. They did not respond. 

When they pull these illegal, unethical scams I wonder if they ever think about what it does to the people they 're scamming. 
I doubt it. 

I 'm confident I would prevail in a court case against Stenger & Stenger and XXXX XXXX but would prefer to settle out of court due to my health. 

I have attached copies of the correspondence and the relevant credit report entry with the account number blackened out for legal reasons.
Consumer complaint received 2015-09-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CITIBANK, N.A. (NJ)

Amex credit card account from Macy 's had fraudulent charges on account ( an account which I have never used, and is opened automatically and in addition to the store revolving account ). In XX/XX/XXXX, I contacted Macy 's fraud department to get this resolved when I noticed the charges. I am still waiting on receiving paperwork from them to continue this process. I have spent countless hours on the phone trying to receive this paperwork, but am not receiving it at my house in the mail. All other mail I have no problems receiving from other people. They are unwilling to send it to my email or by registered mail. At one point for a few weeks in XX/XX/XXXX they shut down their phone system resulting in countless more hours spent on the phone with other Macy 's departments trying to reach the fraud investigation department. In the meantime, Macy 's debt collection has been harassing me, calling as much as 4 times a day, to try to force me to pay this debt that I do not owe from identity theft. I have spent countless more hours on the phone with them explaining that Macy 's fraud investigation told me not to pay this debt I do not owe, but they do not stop calling. Sometimes, when I start to yet again explain the situation, they just hang up on me. The departments are not communicating with each other, resulting in non stop harassment of me.
Consumer complaint received 2016-08-02
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (IL)

i have been the victim of several online fraud scams. i called my bank for help with this and told them i signed a contract with them but the merchants merchandise was not as described and no service was rendered.the company was XXXX chip dev. who i paid XXXX sent a contract in and that was it case closed.i thought my citi card would have looked into it a little further .i must have some recourse available to me.i am XXXX XXXX XXXX and have no functional online business, earn no money, and ended up heavily in debt. i thought citi had a fraud guarantee.i dont feel i have been treated fairly and these people use unfair and deceptive trade practices.citi does not seem to do much work investigating these merchants.i am asking for a fair resolution to my problem.
Consumer complaint received 2016-04-07
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (MA)

After citibank pulled out of MA, I called the customer support line to have my account closed and mail me the check on XXXX XXXX, 2016. I was told that would take 5-7 business days. However, after 2 weeks not receiving the check, I called again on XXXX XXXX, I was told check was mailed out on XXXX XXXX, but they mailed to my old address, which I do n't understand because I have been receiving citibank statements in my new address for a few months already. I asked them to stop the old check and reissue me a new XXXX to my new address, which I gave to them over the phone. They said ok. However, after two weeks, I still have not received it, so I called again on XXXX XXXX, asking them to stop the old check and re-issue me a new one to my new address. I have to give them my new address one more time over the phone, since their database still seemed to have just the old one. Again, they asked me to wait for 5-7 Business days. Still no check, so I called again on XXXX XXXX, repeat the same thing, being told the same. Again, on XXXX XXXX, I called, repeated the same thing again, being told the same again. However, on XXXX XXXX, when I called again, I was told, " we have sent you the check on XXXX XXXX, and you have cashed it on XXXX XXXX ''. I said I never received the check, how can I have cashed it? then the person said, " well, if you have not cashed it, you will need to prove to us you did not cash it ''. That made me really mad. 
What kind of customer service is that? 
I have been calling so many times, saying I have not received the check, now you are saying I have actually cashed the check? 
I asked them to send me a copy of the check, which they did. 
The check was not signed. 
How could citibank release fund when the check was not signed? I asked. 
the person said, " well, if that was your own account, we did not require you to sign it to cash it. " How ridiculous is this? 
Now they have handed me over to their Dispute Department, because it was a " dispute amount '' according to them. 
I think there are so many mistakes they have made : 1 ) Sent the check to my old address while my statements are sent to my new address. why they did not check my most-up-date address while issuing the check? 
2 ) customer service is not doing their job at all, as there was plenty time to stop the check. ( recall the check was cashed on XXXX XXXX, and I have called twice in XXXX to ask stop the old check and send a new one ) 3 ) Some people in Customer Service is not professional at all with that kind of remarks and tone. 
4 ) Citibank has huge security flaw, how can the fund with amount of $ XXXX be released without the check being signed with ID verification? 
5 ) It should be so easy for citibank to follow through this check and see where/who has cashed it. yet, now instead they want me to prove to them I did not cash it by post mail me the Affidavit, which could take at least another week to arrive. 
What bureaucracy is this?
Consumer complaint received 2016-11-07
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (CA)

The creditor is reporting inaccurate information that my last payment was in XX/XX/XXXX when it was in XX/XX/XXXX to XXXX. If the correct information was being provided, it would be beyond the statute of limitations and I would be within my rights to have it removed. I wrote them a letter advising them to correct the information they are reporting immediately. The report they made to XXXX has no payment history, so the credit agency wo n't validate my complaint to them.
Consumer complaint received 2016-08-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HW Holding, Inc (FL)

Hello, I used to live in the apartments called XXXX XXXX XXXX about 4 years ago. Supposedly I never " paid '' my last month of rent. I belive that the staff never submitted my last payment, I cleaned the entire apartment even deep clean the carpet, hand in an envelope with the keys, mail box keys and pool pass. I never received any letter through the mail regarding this matter at all. It appear in my credit account out the blue years later. Hunters Warfield and I came into a agreement and paid {$1000.00} to pay off the debt. I need this account closed and gone from my credit as soon as possible.
Consumer complaint received 2015-08-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc (TN)

I keep getting harassed by this company and i have no idea who they are and what exactly they are talking about. i have sent in letters in response to the ones that they send me telling them that they are so wrong in who they are contacting, which is now harassing. i just want it all to stop but they have n't, just founds out that they put it on my credit.
Consumer complaint received 2015-07-07
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Solidus Group LLC. (OH)

This debt collector contacted various family members and told them how much money was owed and that I needed to call before I was arrested for not paying the debt. I had family members call me and send photos of the number that would call them. They also left threatening voice mails on XXXX family members phones. I contacted them and requested verification on the debt and they refused. Multiple people disguised their voices, sent us to different extensions- like the legal department. When I was scared for what they might be able to do and to get them from contacting my family I agreed to a settlement. After paying the settlement they called back and said that I did n't pay the settlement fee of XXXX per loan. So I had to fork that over to get these people to leave me alone. They also said that if I did n't pay that they were going to send the police the next morning.
Consumer complaint received 2016-08-19
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (MI)

Best Buy/Citibank has been charging me debt protection fees without my authorization. I just found out recently the total is {$1000.00}. In addition, I believe those fees have prevented me from paying off promotional purchases before the expiration date cost me at least {$500.00} more in back charged interest. I have disputed this, but have not heard anything except they would cancel the service.
Consumer complaint received 2016-05-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (VA)

I opened a bank account at Citi ( CitiGold checking account ) with a publicly available bonus code that would grant me a specific bonus ( XXXX Thank You Points ). As soon as I opened the account, I sent a Secure Message asking if the bonus was tied to my account, and the response from Citi was a confirmation of such. Upon completing the requirements, I then sent another Secure Message, where Citi replied stating that my bonus points would post within 3 statement periods, just as the promotion stated. I was told the points would hit my account no later than XX/XX/XXXX. XX/XX/XXXX, I reached out to Citi where I was told I would not be granted the points. This is a complete reversal of what I was told by their own personnel, which is why I felt it necessary to reach out.
Consumer complaint received 2016-08-03
Product: Prepaid card — Other special purpose card
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (SC)

I was issued a promotional {$50.00} prepaid card from Citi Bank. It was not clear to me that on the " good through '' date on the card the funds would " disappear. '' The card clearly says DEBIT on it, and I thought it would be treated like my bank debit card. My understanding is that I would have to obtain a new card. I spoke with XXXX different people at CitiBank Prepaid Card Services. They all had the same response, " Sorry ca n't do anything about it. '' They said I could n't speak with any further supervisors to explain my issue. The last person I spoke with was XXXX ( employee # XXXX ). When I asked for the address of their corporate office, she gave me the wrong address ( I checked online ). I saved this card to spend on something special. {$50.00} is a lot of money to lose ; if they do this to XXXX people, they just netted themselves a fast {$5000.00}! I want this resolved by receipt of either a check or new card.
Consumer complaint received 2015-04-09
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (FL)

In XXXX I took out a XXXX mortgage through XXXX XXXX home loans. The loan was subsequently transferred to Citi Mortgage. In XXXX I became XXXX and lost my job, I did not pay on the loan and it expired under the XXXX Statute of Limitations in XXXX. Citi has removed the loan ( see attached XXXX ) but the XXXX XXXX lien is still showing up on XXXX County records. I have contacted both XXXX XXXX and Citi and neither will take any action to remove the lien.
Consumer complaint received 2016-07-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (KY)

I opened a XXXX checking account in XXXX 2016 with an offer for XXXX XXXX XXXX XXXX miles. I called and spoke to a representative to give them my XXXX XXXX frequent flier number so that miles can be credited to the right account. The representative noted on the account. I again sent a secure message to a citi representative on XXXX XXXX, 2016 who confirmed that I had met the requirement and the miles would post after XXXX XXXX. Now they are saying that the miles may not post. I am attaching their email to this complaint.
Consumer complaint received 2016-03-20
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (MD)

I checked my credit report recently and I keep seeing a debt from Bloomingdales credit card on my report at all XXXX bureaus the charges were fraudulent and the balance is not mine fees interest etc seems to have been added for charges I do n't owe. I received a XXXX form from IRS stating that I was required to report this old item as income I did just that because I do n't play around with IRS now every month this nightmare item that was fraudulent to start with is being reported as a new and current debt I claimed it on taxes against my own will and now this this is fraud unfair and I want an investigation immediately
Consumer complaint received 2015-04-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Total Card, Inc. (TX)

I CAN NOT BE BOTHERED WITH THESE PEOPLE. THEY DO NOT HAVE THE RIGHT INFORMATION AND FOR SOME REASON THEY DO NOT UNDERSTAND AND HAVE STARTED TO REPORT ON MY CREDIT I SENT A CEASE AND DESIST ORDER TO HELP BUT IT SEEMS TO HAVE FAILED IM STILLING RECEIVING CALLS AND ITS STILL ON MY REPORT
Consumer complaint received 2016-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (MT)

1. I did what Navient said to do, write on a piece a paper on which account you would like to make a payment to-instead of the normal payment, I wrote the amount the check number and wanted to pay off one of the loans in my consolidated loan. So I did, then got a statement showing Navient put the money towards both the loans, I called them not once but twice and talked with a manager they said they were sorry and that I would not have a payment until XX/XX/XXXX. 
2. Just received a letter for forbearance, which I did not request, I called immediately this evening and found out that a customer service agent did this, then XXXX the other service agent said the other service agent made a mistake. l asked her to send me a corrected letter and made sure that my loan, and my fixed interest stayed the same. 
I have had this loan for about 15 years it has been sold and bought many times, this is the worst company, I would like a different service provider.
Consumer complaint received 2015-09-19
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)

Hello, I have XXXX private loans through Naviant equal to a little over {$100000.00}. There have been multiple times where they have mishandled my account, providing false advertisement, charging incorrect fees, and harassing me at my work place. This past incident has sent me over the edge. Back in XXXX I was in the hospital for 3 days. I had been trying to keep up with payments, and finally was able to get a case manager. I supposedly entered into a lower interest rate payment plan, which would automatically take out the amount due from my bank account each month. I was granted access into the program because of my hospital stay and the resulting bills. Fast forward to a few weeks ago. I check my balance online and it says that I owe {$3000.00} and that I 'm 2 months behind in payment. This does n't make sense because I am enrolled in the lower payment option for at least 3 months. My bank account can prove that they have been taking money from my account every month. I have tried numerous times to contact them via phone and email and mailing address. So far I have heard nothing from them and my account has not been fixed. They have been negatively reporting on my credit score, and I do n't know who else to contact. I am making payments and I am going to graduate school at the same time. I will make one last attempt to contact them and get this problem resolved tomorrow. If I do not get a solution from them, then I will be contacting my lawyer.
Consumer complaint received 2015-11-05
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NJ)

I am a co-signer on XXXX of my daughter 's private student loans with Navient. XX/XX/2015 I realized that my daughter 's loans were six payments late. I made a good faith effort to bring them up to date by making a payment of XXXX. 
I spoke with Navient specifically about my co-signed loans only, and not the ones my daughter and her mother had signed separately. On each call Navient kept pushing and referring to my daughter 's total loans and not my specific loan payments. 
On XXXX/XXXX/15 I Spoke Navient to reduce my payments of XXXX per month. I gave Navient my debt to income information along with my own Federal student loan debt and my need to pay medical bills for XXXX XXXX. 
On XXXX/XXXX/15 I was told my payments could be reduced to XXXX per month and then a few minutes later I was told that my daughter entered into a loan reduction program that she canceled an due to that cancellation I would not be able to reduce my payments. This is not a miscommunication it 's something else, the loans that I co-signed on were never a part of a loan reduction program established by my daughter or myself. 
On XXXX/XXXX/15 I was told by Navient that there is no way possible that I can reduce my co-signed loans, and also that in order to be removed from the loan as a co-signer that I would have to sign a co-signer waiver and pay a onetime fee of XXXX dollars in one payment to be removed as a co-signer this is not a miscommunication, if all phone calls to Navient are recorded then this would be easy to prove along with Navient 's web site that states that after 12 of on time payments a co-signer can be removed as a co-signer. 
For most of the time these loans existed I was XXXX Military XXXX, I was retired medically with XXXX and at no time was I given an opportunity to reduce payments due hardship or any other reason. If this is n't predatory lending than nothing is. Whether Military, XXXX or Just a U.S. Citizen no one should be treated in this manner. I wish I had enough money for an Attorney.