BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-21
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Navient failed to correctly apply or allocate borrower payments to my account. I signed up repeatedly for autopay and Navient would send me confirmation of enrollment in autopay and then not take out my payment and charge me late fees. Navient refused to give me options to pay by income and forced me to deferr my students loans by paying for this deferment which negatively affected my credit score and interest continued to accrue. As well, they obscured information consumers needed to maintain my lower payments because during school I was told I could have a pay by income option, but did not get that opportunity. Navient also required a full payment weeks after graduation which is not feasible time to secure a job and get a paycheck to make a payment. Navient also lied about requirements to release my cosigners from my loan and it went from XXXX months of one time payments to XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: ZENCO COLLECTION, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
On XXXX, I was contacted by phone by XXXX XXXX ( XXXX ) from Zenco Collections regarding a debt from XX/XX/XXXX with XXXX. I explained that the debt was not valid as I had returned the merchandise in XXXX and that the debt in question was from 19 years ago. I was informed that the debt was not closed out by XXXX until XX/XX/XXXX and Zenco had until XX/XX/XXXX to collect on this debt. They informed me that if I did not pay a {$250.00} settlement on a {$480.00} debt that could sue me and I could end up paying up to {$4000.00} instead. They were attempting to mislead me that the debt is newer than it is by stating that I 'm responsible for the time between when the lender closed the debt and the end of the statute of limitations, and that the statute of limitations was at least a year longer than it is in the state of NJ, and that I can be sued by them for this debt which dates back to XX/XX/XXXX and no payments have been made since that time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: CITIBANK, N.A.
State: MS
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I was contacted in XXXX 2015 by XXXX that they were cancelling my XXXX accounts due to a charge off by Citibank. I was stunned to learn that Citi bank had charged a student loan to my credit status that I was to have co-signed without my knowledge or consent. I have asked for information and verification from the Citibank and they have not submitted the information requested. I asked for copies of my signature on the loan a copy of the check bearing my name, any phone calls made to me or any communication made to me or attempts to contact me to inform me of this account prior to charge off. I have not received any of the information requested. They send me copies of documents bearing no signature however marked electronic signature was taken. I asked for how they authenticated my identity I was told by information on my credit report no direct communication was required apparently. I asked for a log of phone calls made to me, none was made, I asked for a copy of the check bearing my name there is no record of this. I asked for collection procedures and I was mailed a series of letters mailed to an address I do not live at. My Credit score was in the high XXXX to XXXX range and to have it intentionally destroyed without notice was devastating. I have attempted to resolve this matter with Citibank however they have refused to provide the information requested or try to assist in any way. I asked why was a credit report not pulled to reach me and I was told they do n't pull credit reports however they pulled a credit report to acquire my information to give a loan without making contact with me in anyway. I find it very disturbing that money was granted on an electronic signature and without getting my approval. NO effort was made to contact me. It would have been resolved very easily with a phone call. However my credit was destroyed without any attempts to collect this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Borrower requested a payoff statement from Citibank on her Home Equity Line of Credit and was not provided with a payoff statement within a reasonable amount of time. The excuse is that the HELOC was in default. But the fact is that there is never a late payment on this lien. I was in default on the first mortgage and Citibank automatically put my HELOC in default. I actually paid off the first loan on XXXX/XXXX/2015. So there is no default on any loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-11
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I was approved for a tier 1 first mortgage HAMP back in XXXX with XXXX ( the loan was formerly with XXXX and XXXX XXXX XXXX originally approved the Mod prior to the transfer to XXXX ). I also had an outstanding HELOC with Citibank and it is my understanding that once your 1st Mortgage HAMP is approved and you 've gone through and met all the requirements of the trial period that you are then officially in HAMP and as such now automatically eligible for the 2MP program for 2nd mortgages. In fact in reading through the " Making Home Affordable Program : Handbook for Servicers of Non-GSE Mortgages '' it is my understanding that 2MP should have automatically been offered to me by Citibank yet they did not. Why did n't they offer it to me in XXXX once the HAMP was set in place permanently?? 

Citibank recently contacted me stating that my HELOC would reset in XXXX of XXXX which prompted me to look into finding out which solutions might be available in order to keep payments affordable. This is how I came across the fact that I should have been eligible for the 2MP with Citibank back when my HAMP first became permanent. I contacted Citibank to begin the process of getting my HELOC into the 2MP program and they said they could n't verify that our first mortgage was part of HAMP. I 'm very frustrated that they are not willing to do the work necessary to match up my first mortgage HAMP with their 2MP modification program for my HELOC. I need someone to advocate on my behalf so that they will formally acknowledge that I do in fact have a 1st mortgage HAMP in place and that I am eligible for the 2MP because of this. I 've already sent over documents from my 1st mortgage stating that I was accepted into the HAMP program so why is Citibank not acknowledging that I qualify for 2MP? And why are they putting me through the entire application process from scratch all over again when they should just take what was approved for first HAMP and apply matching terms to 2MP?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: Solidus Group LLC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Already been instructed to contact this office for your XXXX to check writing school information. You waiting to do so at this point the appropriate registration papers will be submitted in complete. Please have any representing council contact us for further directions. The office is toll free number is XXXX. " Neither I or my husband know what this is about and they will not disclose that. I have had several messages left threatening to file something with the sheriff in my county and all kinds of nonsense.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2017-03-06
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Citi Bank has set up such a ridiculous infinite loop of stupidity that it surprises me that it can operate as a company!!! 

Its XXXX Department needs a Fraud Department to monitor it! 

Upon receiving an automated phone call from that department in response to a recent transaction I had attempted to put through, the questions that the system asked were unanswerable do to the lack of detailed information provided regarding the transactions to verify, however, I still responded as " confirmed '' for those transactions just to try to get it resolved. The " electronic operator '' then states my card is cleared, yet I could not even purchase a bowl of pasta afterwards! Then, when calling the Fraud Department later to talk to live people, I 'm told that the 24/7 fraud department is unavailable and to call back in a few hours!!!! Thank XXXX I was't in an emergency situation!!!!! The Citibank Fraud program needs a serious overhaul, I am sooooo disappointed in this company! And, this in NOT the first time this issue has occurred!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: CITIBANK, N.A.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I have spent countless hours trying to get this case No : XXXX resolved and the negative information removed from my credit report. In XXXX, CitiFinancial agreed that they had made an error in reporting Account Number XXXX to the credit bureaus. This account was removed from my XXXX and XXXX credit bureaus, however, It is still showing up on my XXXX and is causing my credit score to be lowered because of negative information. I am in the process of purchasing a new home and need this matter resolved ASAP. Please help me " FINALLY and TOTALLY '' get this negative information removed from my credit report. 
Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Identify Theft. Macy 's American Express sent a second card to to a different address and also increased my limit to {$10000.00}. Person charged {$42.00} at a gas station in XXXX and then tried to charge {$1300.00} at a XXXX was declined and tried again with a different amount of {$1100.00} at the same XXXX a few minutes later. Macy 's American Express contacted me with this information and gave me their Citi Fraud info to file. They did not remove the {$42.00} from my card ( which I am not responsible for as it was not me and they caused this from the beginning ). I refuse to pay this and am getting finance charges plus fees and as of XXXX/XXXX/16 total due is {$70.00}. I have tried to deal with them directly but can not get any satisfaction. All my answers to my questions get the response no I can not connect you to the person in charge of your case in the fraud department. This is been going on since XXXX XXXX and has not been resolved to date. I followed all the instructions given so I am not sure why Macy 's insist I pay the fraudulent charge. This should have been written off on XXXX XXXX, 2016. Even Citi Identify Theft Solutions can not get this resolved with Macy 's American Express. I have cancelled my Macy 's American Express as well as the Macy 's credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I received a text from my bank today ( XXXX ) advising that my account has been frozen due to suspicious activity. I contacted them to learn that someone charged my card on XXXX in the amount of {$50.00}, and then again today XXXX in the amount of $ XXXXThe charge is listed to XXXX XXXX and I do not even have a XXXX account. My bank cancelled the card immediately, and I filed a fraudulent claim for the {$25.00}. The bank already reversed the charge for {$50.00}. 
When I looked inside my account I saw a number XXXX as the number related to these charges! I entered that number into a XXXX Search and it turns out that this is apparently some sort of widespread scam for which I appear to be a victim. 

Make sure your account is monitored at all times. File a fraudulent claim with your bank asap, and cancel the card that has been compromised.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-22
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Navient refuses to lower my monthly payment and suggest that I find a way to pay it or it will just add up. They suggest forbearance and or deferment. I will not do that. They made me do that before and it just added more to what I owed. Completely unjust! 
I have loans for XXXX different schools, XXXX XXXX XXXX XXXX and XXXX University.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My spouse and I called Navient on XXXX/XXXX/16 to ask if we can lower repayment amount. They ran our credit report without our consent. They said, " I am running your credit '' after the action. At that time, I did n't say anything, but they should have asked me before the action.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
with the EVIDENCE by the XXXX-COMPLAINT- CLAIMANTS'-EVIDENCE with the DOCUMENT-CONTRACT-FEDERAL-POSTAL-STATION-COURT-VENUE'S-PARSE-SYNTAX-GRAMMAR-CERTIFICATION-CORRECTIONS of the FEDERAL-FALSE CLAIMS-ACT, FRAUD & : MISLEADING-STATEMENTS : TITLE- .... XXXX : XXXX ... XXXX & : TITLE -- XXXX : XXXX -- XXXX FRAUDULENT-LANGUAGE with the FEDERAL-SECURITIES LAWS, RULES, REGULATION, CODES, BOXING, CERTIFICATE-ITALIZING-WORDING=VOID-OMIT '', ADVERB-VERB-SYNTAX, NO-CONTRACT-PARSE-WORDING by the SECURITY-ISSUER with the FRAUDULENT-BACKED-NO-AUTOGRAPH-CONTRACT-BACKED-SECURITY-PARSE-SYNTAX-GRAMMAR. FOR THE FRAUD-PARSE-SYNTAX-GRAMMAR-CONTINUANCE-SINCE-DATE- .... XXXX ARE WITH THE PEOPLES ' -DAMAGE-CLAIM AS THE S. E. C. -EMPLOYEES USE OF A " 2ND-GRADE-WRITING-LEVEL ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12
Company: CITIBANK, N.A.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Citibank account XX/XX/XXXX using promo code XXXX, which was supposed to award me {$400.00} by depositing {$15000.00} into the new account within 30 days of opening it. Additionally, I needed to maintain a minimum balance of {$15000.00} for 30 consecutive days after making the deposit. The {$400.00} bonus was to be credited within 90 days after meeting the requirement. I met the requirement on XX/XX/XXXX, thus the money should have been credited on XX/XX/XXXX. I reached out to Citibank on XX/XX/XXXX and they opened an investigation which was supposed to be resolved in 7 days. When I contacted them back, I was told that the investigation could actually take 30 days. After waiting more than 30 days, I reached out once more on XX/XX/XXXX ; the rep told me that the case was still open and she was going to escalate it. After waiting more than a month, I do n't feel Citi is giving my case the attention it deserves as I have not received any communication from them alerting me of updates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Privacy

Complaint:
I am a credit card holder of the retail department store Macy 's. For more than four years I have held the " Macy 's Star Rewards '' credit card. I have an excellent payment record and credit limit of {$10000.00} with this particular card. The Macy 's card program seems to be managed by Department Stores National Bank. 
While shopping on Sunday, XX/XX/2016 at the Macy 's XXXX Mall location in Pennsylvania I was offered a XXXX percent discount if I " upgraded '' my current Macy 's account to a Macy 's American Express account. I accepted the offer as it was explained to me and completed my purchases. I received the new American Express Macy 's card in the mail and even discarded my old card under the impression that the American Express Macy 's card is my new card. I made additional purchases with this American Express card, again believing this was my one and only Macy 's account. After receiving XXXX Macy 's credit card statements within the past month with different due dates I contacted customer service and it is brought to my attention that this is not one Macy 's account, but XXXX separate accounts that I now have with Macy 's! I asked the customer service representative, assuming they are also a fiscally responsible individual, why would I ever open a second Macy 's credit account with a 25 percent interest rate and no balance or transfer offers, when I currently have an account with Macy 's with more than a sufficient amount of available credit?! I believe I was absolutely taken advantage of by what I experienced by the sales representative in-store having access to my financial information and very easily setting up a XXXX account with misrepresentation and miscommunication of a promotion. This practice was fraudulent, unethical, and takes advantage of creditworthy and financially responsible individuals.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Late fee

Complaint:
I visited Macy 's on or about XXXX XXXX, 2015, with friends. I was asked if I wished to if I if I wanted to apply for a Macy 's account to receive an additional discounton the purchase ( & gt ; {$15.00} total purchase ). I was asked for my identificationand to fill out an application ; I complied with both requests. After somemonths I noticed that I had not received a bill or the card for that matter. 
I contacted Macy 's by phone and spoke to a individual regarding themissing bill and card. We discovered that the wrong address had beenentered for my mailing address and that the bill and card were returned. 
I gave the individual the correct address which was on the application Ifilled out and it was agreed that the bill should come to the addressindicated on the application. I was then told that I would be responsiblelate fees in addition to the interest and that they would not considerremoving the additional charges even though it was the company 's oremployee 's error. Had she ask me if the address on my license wascorrect I would have told her to use the address on the application I wasrequired to fill out. I will gladly pay for the XXXX that Ipurchased, however, I refuse to pay for employee/company error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-07
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I called customer service at XXXX at the number of XXXX on the phone with the Rep asking for the number of a cell benefits insurance. On the phone for XXXX mins XXXX sec The rep did n't know of the benefit and transferred me to another rep. The other Rep did n't know anything I ended the call and Tried The phone number of XXXX. The Rep XXXX tried to verify my account Verify about my name, my address, a car loan, how much I was paying for this. Then asking me for my password on the account. The Rep before was able to verify that password the first time I called. XXXX said my password did n't match and could not help. He transfer me to XXXX who was a SUP. Asked all the Same questions then told me she could n't verify the account as well. Then Then transferred me to a manager XXXX XXXX also told me she could n't help. XXXX started fighting with me that she could not help. She kept pulling me on hold for long times of XXXX mins. Then hung up on me. I was on the phone for XXXX and XXXX XXXX. I then called back at XXXX I talked to XXXX in FL she told me she was able to verify my account and change the password. I told her I wanted to be compensate for the bad customer service after being on the phone with her and her talking to her manager after verifying my account and changing the password on it. The manager XXXX told me she was not able to verify and would not help me. after being on the phone again for XXXX mins. 
Desired OutcomeI would like to be compensated for the XXXX mins of wasted time. How customer service tried me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: CITIBANK, N.A.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
Dear XXXX, This is my formal complaint letter against CITI/STDNT Loan RSRC XXXX because I have contacted CITI/STDNT Loan RSRC CNT for them to remove numerous account information because of incorrect and inaccurate information that appears on my credit report, also the statue of limitation on debts has been expired. The account is closed and the balance is {$0.00}, and there are XXXX or items that appears on my credit reports from all major credit reporting agencies. The CITI/STDNT Loan RSRC CNT has either refused to respond. the following account is the items the CITI/STDNT Loan RSRC CNT has refused to investigate and removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation