davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-26
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (CA)

I discovered a CitiAdvantage Gold credit account with an {$18000.00} line belonging to my clients this month and attempted twice ( on XXXX XXXX & again today, XXXX/XXXX/16 ) to ask Citibank that the account be frozen or closed for my client 's protection. Both clients, husband and wife, are in their XXXX, and are currently XXXX, with active cases assigned to my agency through the XXXX county California Probate Court. Each time I called my call was disconnected by Citibank. During the first call I was given a fax number and asked to provide copies of the Court Order & Letters setting forth my authority as my clients ' Conservator, which I immediately did. No one responded to my fax ( I have confirmation it was received ), or to either of my calls. Citibank would not disclose any details about the account, they ignored my fax, and all staff I spoke to appeared wholly uninterested in protecting my clients ' credit, safety or security. Everyone I spoke to at Citibank seemed to convey their sense that I was creating the problem by bringing this to their attention. I was n't even trying to close the account, merely to freeze it until I could secure the cards and learn their location. What good are elder abuse protection laws and agencies - either public or private - when financial institutions act like they do n't care about protecting seniors?
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MO)

I would like to know how to go about sueing Sallie Mae or some kind of referal I have tried to contact several attorneys and just get run around. Sallie mae forced me into a bancrupcy because they would not work with my payment which instantly ruind my credit for 7 years. I got no relif from bancrupcy after bancrupcy payment was same I had to let loans get charged off to get any help with lower payment after charged off I came to an agreement of {$250.00} payment for rest of my life they said. But after 3 months in they renigged on the agreement with no answer as to how they can take back an agreement they agreed to do for me. Now my credit is not only ruined for 7 years it ruined rest my life till pd of because will report negative till pd off so my credit is XXXX for rest of my life which has impacted my XXXX XXXX. A {$60000.00} original loan has accrued to over {$160000.00} that apparently I didnt even qualify for they knew they were getting me into this position.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NJ)

As an XXXX student in the XX/XX/XXXX, I was n't eligible for most school aid programs so relied mostly on student loans such as Stafford, XXXX, Perkins and a small Pell grant, plus a private loan. After earning a XXXX and XXXX, I graduated in XX/XX/XXXX with over XXXX in student loan debt. Needing an immediate job because of the debt, I began working at a XXXX in XX/XX/XXXX, continuing until XX/XX/XXXX. Sadly, the high cost of city living and my student debt payments overwhelmed my XXXX paycheck. When I originally consolidated my loans, I was told by both the Federal DOE rep I spoke to and by my private loan servicer ( XXXX ) that I did not have the option of transferring my loans into the Fed Direct Loan consolidation program. Later, when the Public Service Loan Forgiveness ( PSLF ) program began, I called again to ask if I could get in to the Fed Direct Loan consolidation program to qualify, and was again told by my servicer Navient and the Fed Govt that I did not qualify. However, last year I learned ( just as I was leaving my job ) that indeed, by combining my Perkins Loan with the Stafford/XXXX loans, that I would qualify, so I transferred my loans to Direct Fed loans. BUT, this happened in XX/XX/XXXX, though I would have been eligible when I called about it back in XX/XX/XXXX. This means that I would be almost 9 years into the 10 years of on-time payments and thus very close to having {$230000.00} of student loan debt forgiven as PSLF. In other words, the incorrect and incomplete information given to me on multiple occasions by both my private student loan servicers and by the federal government has potentially cost me many, many thousands of dollars. I would like to continue my non-profit work, but can no longer afford to do so because of this large student debt. My current student loan debt is causing undue hardship and is affecting my future employment and housing options.
Consumer complaint received 2016-02-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

i received a letter from Citibank saying that they will close my account for some reason, I have done my banking with them for over 15 years with direct deposits and bill pay. I called to find out why and was advised to go a branch and was not given a reason why. all I needed is to know the reason behind the decision decision to close my account. I have not done any wrong doing, there are bank institutions wanting my business ... ..no wonder they are called " XXXX bank '' ..
Consumer complaint received 2016-05-11
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (WA)

I would like to know if I can sue HFC for their violations against me. My spouse passed away three years ago, after he passed away I received a life insurance settlement to pay off XXXX of my mortgage. While waiting, my spouses pension went through and I paid all the back mortgages up to date. At that time I was two months ahead in mortgage. After HFC applied the life insurance I was told I was I was two months behind. I believe HFC owes me two months mortgage. I was paying {$1600.00} a month. I would like for them to pay me the {$3200.00} they owe me. I am attaching a copy from the Department of Financial Institutions findings. I have fought with HFC since my spouse passed away and the only time they respond is if I get consumer affairs involved. I am not asking for what is not mine. Please take a look at my case to see if I can claim my monies back.
Consumer complaint received 2015-08-06
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A. (NY)

XXXX was hired to do work on property damage for insured XXXX XXXX and XXXX XXXX. After completion of the job XXXX XXXX, based on our estimate and invoice paid {$14000.00}. The check was mailed to XXXX at XXXX XXXX XXXX XXXX XXXX XXXX made payable to XXXX, XXXX XXXX, XXXX XXXX and CitiMortgage. When I received the check I sent it to the homeowner who in turn signed and returned it to us. I stamped the check which is a requirement of the bank and sent it to the bank for endorsement. After four months of trying to get paid CitiMortgage will not speak to me about the check because XXXX is not on the loan. XXXX XXXX has sent me a copy of the cancelled check which CitiMortgage cashed on XXXX XXXX, 2015. I have since learned that the homeowner is in foreclosure. I will send all of the supporting documents that were sent to state farm in order for us to be paid. The work was done and XXXX was paid, however, CitiMortgage took the money. I would greatly appreciate your help in getting payment for work that has been done over four months now.
Consumer complaint received 2015-07-07
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I received a very tricky and dishonest offer in the mail from Bank of America. It offers 0 % interest until 2016 but after really looking into this offer it is trying to trick people who pay off their balances each month ( like me ), because it makes all new purchases subject to interest charges. It is so bad that Bank of America is going this route .... I have been a card holder for years and have a fico score of XXXX, and if i almost got tricked, I ca n't imagine what it would do the the average consumer. This should be illegal and Bank of America should get in trouble for this.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

I sending my dispute letters several times and receiving email from the bureaus saying I'm not the one who send out letters. which is definitely wrong because I'm the one who create and send my letters please take an action regarding my concern delete this accounts asap! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-04-08
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (NJ)

I received phone calls on my mobile from citi bank credit card from number XXXX about past due and i did return call again same number and their system identify me by my home phone number and system says " we are attempt to collect debt Any information obtained will be used for that purpose. '' my question is i just miss the XXXX payment on my credit card account and I took immediate action and made payment. my question is why my credit card account is under " attempt to collect debt ... .that purpose '' Is it under collection agency or i have balance and did not paid full each month it means my account subject to collect debt.
Consumer complaint received 2015-07-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC (IN)

Previously an " alleged debt '' was trying to be collected for from multiple collection agencies to which I communicated with all via certified mail and request that they provide accurate and appropriate documentation to verify proof of alleged debt to which they could not-Every time I sent out certified letter I sent the previous copies of certified letters as well from the prior collection agency to whom the current collection bought the alleged debt and the collection agency would respond with an apology and removal of this from their system as well as my credit file as they were inaccurate in what they were doing-Jefferson Capital Systems not only is trying to collect for an " alleged debt '', but they have falsely reported this on my 3 credit reports known as " Silent '' treatment, and " Re-Aged the Alleged Debt '' for 2015-Jefferson Capital Systems is required by FCRA to report ACCURATE information concerning consumer credit files
Consumer complaint received 2016-01-31
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX/XXXX/2016 I received a refund check or check for {$260.00} from Bank of America Home Loans located at XXXX. XXXX XXXX, XXXX XXXX, CA XXXX. On XXXX/XXXX/2016 at approximately XXXX hours, I went to cash the check at Bank of America in XXXX XXXX located at the XXXX branch area. The bank teller agent told me that he was NOT able to cash in the check for me due to insufficient funds. I asked the bank teller agent why would Bank of America sent me a check with insufficient funds? The agent told me to contact Bank of America. I was very upset because I waited almost 25 minutes in a very long line and short staffing from Bank of America. The bank only had XXXX bank teller agents at the time serving XXXX-XXXX customers. The agent refused to assist me further by saying he does NOT know anything and that he wanted me to call or contact Bank of America Home Loans. I want to know why Bank of America sent me a " blank '' check or a check with insufficient funds? The check number is XXXX. Treasury id : XXXX. Another address from Bank of America is XXXX XXXX XXXX, XXXX XXXX, CA XXXX.
Consumer complaint received 2015-05-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc. (NC)

On the first note I had rented an apartment with XXXX XXXX, with several roommates, went to court and I was left paying out money but it was stated that once the balance was paid in full they names would be in the clear as well, but the made no attempt to pay. 2nd there is a XXXX XXXX account in my name but it 's in IOWA, different social security number, address etc. ( 3 ) The apartment XXXX rented with them again roommates and now my credit is runied. Just runied I need help
Consumer complaint received 2017-03-20
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: CITIBANK, N.A. (FL)

I received a pre-paid VISA from XXXX which was issued by CITI Group in the amount of {$150.00} in XXXX. It had an expiration date of XX/XX/XXXX. A copy of the card is attached. I misplaced the card and I did not use the card by that date. I found the card in XX/XX/XXXX. I asked XXXX to issue me another one - they told me I had to talk to CITI. I called CITI XX/XX/XXXX and they told me that the card was no longer valid and that they could not issue me another one, nor could they give me any money - they said that the card showed a zero balance due to it having not been used by the prescribed use-by date of XX/XX/XXXX. 

Now fast forward - I read somewhere that what CITI told me was not correct. I called CITI again on XX/XX/XXXX and this time they told me that the card did in fact have a balance of {$120.00} - I asked them why it only had a balance of {$120.00} and they told me that it was being surcharged {$3.00} per month for being dormant. I asked them to give me the {$120.00} - in some form or fashion - either a check, reactivate the card or issue a new card. CITI told me that they could not return the money to me - that is a pretty good trick - The money is there and they get to keep it until they surcharge it down to nothing even though I have asked for the money or another card. This seems like a dirty rotten way to do business - and I hope that you can do something about this. Again, when I talked to CITI in XX/XX/XXXX they told me one thing and then in XX/XX/XXXX they told me something else. Also, when I called on XX/XX/XXXX the person that I spoke with ( XXXX - no last name ... - in the XXXX ) would not allow me to speak with anyone else even though I asked for a supervisor. I told her that I was going to file a complaint - at that point she put me on hold for probably 7 or 8 minutes and when she came back she wanted my cell phone number and she told me that someone would call me to speak with me. I gave her my cell phone number but I have not had any call from CITI regarding this matter.
Consumer complaint received 2016-09-22
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NY)

I have been unable to find work and suffered a XXXX two years ago and was diagnosed with XXXX. Since that time I have seen by loan amount sky rocket. I applied for income driven repayment but the amount is practically XX/XX/XXXX of my Social Security.
Consumer complaint received 2016-03-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (NC)

I received a letter from Equifax stating that a new address has been posted to my Equifax credit file. We have not moved and the " new '' address is actually a previous address. Equifax will not change it back. We would like them to remove this address change from their files.
Consumer complaint received 2017-02-03
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY (CT)

AMERICAN EXPRESS PUT ME INTO A PENALTY APR OF OVER 26 PERCENT AFTER BEING WITH THEM FOR OVER 20 YEARS. I CALLED ON SEVERAL OCCASIONS AND EXPLAINED I WOULD CATCH UP ON MY BILL WHICH WENT " LATE '' SOMETIME IN XXXX XXXX. I HAD A DEATH IN THE FAMILYXXXX AND IT REALLY TOOK A TOLL ON ALL OF US ... I MADE GOOD ON MY PROMISE AS AN AMERICAN CITIZEN TO AMERICAN EXPRESS. I HONORED MY PROMISE AND PAID XXXX ON THE DEBT SOME TIME IN XXXX XXXX. HOWEVER, DUE TO XXXX. I MADE AN ERROR AND AGAIN HAD A LATE PAYMENT IN XXXX XXXX -- BY 24 HRS. AMERICAN EXPRESS DID FORGIVE THE LATE FEES. HOWEVER, BECAUSE OF THE LATENESS IN XXXX XXXX THE PENALTY APR STUCK TO THE TUNE OF OVER XXXX A MONTH IN INTEREST. AMERICAN EXPRESS SAYS THAT THEY JUST ADJUSTED MY APR " GRACIOUSLY '' BACK TO XXXX ( XXXX ) PERCENT AS OF TODAY --. BUT THE DAMAGE IS DONE. YES. I WAS LATE IN XXXX XXXX BY 24 HOURS ON A PAYMENT -- BUT MY FEELING IS THAT WHEN I MADE THE LUMP SUM PAYMENT IN XXXX XXXX I HONORED MY COMMITMENT AND I SHOULD HAVE BEEN REMOVED FROM THE NOW {$400.00} IN PENALTY FEES / APR INTEREST AT THE RATE OF XXXX PER EACH MONTH XXXX XXXX AND XXXX XXXX. NOT SO SAYS AMERICAN EXPRESS -- THEY SAY THAT ANY LATE PAYMENT PUTS A CONSUMER INTO PENALTY APR FOR 12 MONTHS. HOW NICE ... ..SO IF MOST CONSUMERS HAVE ABOUT XXXX IN CREDIT CARD DEBT, THAT MEANS XXXX LATE PAYMENT TO AMEX CREATES XXXX {$2400.00} IN INTEREST FEES. {$2400.00} AT THE RATE OF XXXX PER MONTH X 12 MONTHS. THIS IS NOT AMERICAN -- AS IN AMERICAN EXPRESS -- -THIS IS PREDATORY.
Consumer complaint received 2016-09-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

Collection company has stated they have asked all Credit reporting agencies to remove the debt, but it is still being reflected on Equifax. See below quoted text from XXXX XXXX. 
" Company responded - XXXX XXXX XXXX said : Explanation of closure XXXX # XXXX - To Whom It May Concern : XXXX XXXX XXXX sent a second request to the CRA 's to delete the account from XXXX XXXX 's credit history ''
Consumer complaint received 2016-07-28
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I HAD A CAR LOAN THAT WAS ALWAYS AND STILL IS CURRENT, BECAUSE OF PARKING TICKETS THE CAR WAS TOWED BY THE CITY OF XXXX.THE CAR LOAN HAD ALWAYS BEEN CURRENT.IN ADDITIONAL TO PAYING THE TICKETS I HAD TO PAY XXXX FOR A VEHICLE LIEN RELEASE,XXXX FOR AN ADDITION STORAGE FEE AND NOW I AM BEING BILLED XXXX ADDITIONAL DOLLARS FOR A REPOSSESSIAN FEE.THE CAR WAS TOWED FOR PARKING TICKETS, THEY AND THE GARAGE STORAGE FEES WERE PAID THE SUBSEQUENT XXXX XXXX AND XXXX ARE FOR NOTHING, I I WANT CAPITAL 1 TO REMOVE THE FEES OF XXXX AND REMOVE ANY REFERENCE TO A PEPOSSESSIAN.
Consumer complaint received 2015-11-18
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY (CA)

I was two days late paying my American Express card bill. They charged me a late fee of {$27.00} plus interest of {$86.00}. That much I can accept. However, I paid the next statement on time, and they charged me an additional {$90.00}. They call this " trailing interest '' and say this is in their cardholder agreement. {$200.00} for being two days late seems excessive. I feel cheated, especially since my payment record has been otherwise perfect since 1999. My FICO score is more than XXXX.
Consumer complaint received 2015-12-03
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In year XXXX, I opened a Capital One Bank account. In year XXXX, I already paid off the debt that I owed from Capital One Bank. Ever since I paid off the debt in XXXX, I shredded my credit card, and never used it again. In XXXX XXXX, XXXX, I have received a letter from XXXX XXXX XXXX, the letter was stated that I owed Capital One Bank {$3100.00}. 
In XXXX XXXX, XXXX, I wrote a letter to XXXX XXXX XXXX, the description of the letter was about " I have never taken out a loan from Capital One Bank '', I requested them to verify the debt ; however, in XXXX XXXX, XXXX, XXXX XXXX XXXX sent me another letter, the letter stated that they have completed their investigation of my dispute concerning my account. They have obtained and reviewed the attached documents related to this account, which establish its validity. I want to strongly point out that the attached document is Capital One Invitation that shows that when I first opened Capital One Bank account in year XXXX, I had provided my social security number, and my mother 's maid name. I 'm extremely irritated because they used the Capital One Invitation letter as their reason to claim that I owed {$3100.00}. I feel like Capital One Bank is trying to rob me. The Capital One Bank is harming me mentally and psychologically. I could n't sleep for days because Capital One Bank is trying to rob XXXX from me. Last but not least, I strongly emphasize that I do not owe Capital One Bank any money, not even a dime. 
My personal thought : when I received the first letter from XXXX XXXX XXXX, I felt like it was very unusual. Debt collector tried to collect debt from me after many years later. I do not have Capital One Bank anymore. I destroyed my credit card when I paid off my debt. My highest debt back then was around XXXX {$.00} 
P.S. In year XXXX, my identity was stolen.
Consumer complaint received 2016-05-26
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I recently found out that I have a Capitol One card on my credit report. 

I also got a XXXX that I never signed up I contacted them and they did n't want to provide me with a contract, receipt etc. 

A credit card from XXXX and XXXX I do n't remember the rest I found this info out because I applied for a car loan and found out my credit score is XXXX. 

I used to be a XXXX, the company I leased the XXXX from XXXX out of XXXX and after 6months ended up buying it with the help of XXXX they were to get me approved for {$24000.00}, long story short the XXXX company I used to work for did n't agree with how XXXX registered the XXXX and they fired me and told me I 'm XXXX and an XXXX and threatened to report me as if i owe them money to my credid report, which is ridiculous. Company is called XXXX XXXX ( dealer & service ) & XXXX XXXX XXXX from XXXX the owner of the company are XXXX. I do n't know for sure if they reported anything false on my credit but would like to find out.
Consumer complaint received 2016-12-07
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: NAVY FEDERAL CREDIT UNION (FL)

During the VA loan application process with Navy FCU it was requested by the loan officer that I submit a letter of explanation for a mortgage 60 day late on my credit bureau report. I submitted a response that the mortgage late was due to unemployment and submitted supporting documentation as unemployment as the reason for the 60 day late. The mortgage late was not due to financial mismanagement as unemployment was reason for the 60 day late. The loan officer communicated to me verbally over the phone that my application was declined due to financial mismanagement as the loan underwriter stated that due to my occupation ( working for a bank/financial services industry ) that I should have known better to make my mortgage payments on time on my rental property. This is a fair lending violation for discrimination and shameful conduct for Navy FCU as a financial institution that has a majority of it 's customers from the veteran community as a application for VA mortgage.