davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

Applied for a Citigold account with CitiBank during their promotion with which I received a promotional code ( XXXX ) corresponding to a XXXX XXXX XXXX miles reward, called CitiBank 's customer service line and applied over the phone using, receiving verbal confirmation that I was eligible for the reward. I was then approved for the account, fulfilled the requirements of spending more than {$1000.00} using a debit card linked to the account, and two bill pays spanning two separate months. I logged on and spoke with another representative to ensure I met the requirements successfully and to confirm when I would be receiving the reward upon which I was informed I would receive them no later than XX/XX/2016. It has since been nearly a month since that date and I have yet to receive the corresponding reward miles. I am fairly frustrated that I have been misled in applying for this account, under which the bonus was a key interest point in my applying for it. I hope this can be resolved soon as little progress has been made from CitiBank 's side.
Consumer complaint received 2016-11-08
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (NY)

I paid my Citi credit card account in full. Additionally, I had no new charges for the month. Therefore, I would have expected that my billing statement would have a zero balance. But no. Citi charged me interest anyway that month on what they called " residual interest. '' I know of no other credit card company who has this practice. Their explanation was that I had to pay my bill in full not just for the most recent month but for 2 consecutive months to avoid interest. Wow. Talk about taking advantage of consumers! I 'm ashamed for them. It 's simply inexcusable. A sorry way to trick consumers into paying a lot more interest.
Consumer complaint received 2015-03-19
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (PA)

Citibank is calling and harassing me. I do not have an account with them and I told them that they have the wrong person. I asked them to remove my number and I was told that they would not do so. They are asking for a male, and I am a female. No males with that name live at this address. They are calling constantly. I called back and screamed /yelled at them because I was so frustrated with the calls. This phone number is in my name, not the person they are asking for.
Consumer complaint received 2015-07-06
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (PA)

Best Buy Credit Card ( hereinafter referred to as " company '' ), offered through CitiGroup, assessed a non-disclosed " debt protection fee '' on credit card by a third party vendor. Requested documents pertaining to this service and refund for fees inappropriately assessed in XXXX XX/XX/XXXX and XX/XX/XXXX. Company stated that they were unable to cancel the service and that I would have to contact the third party myself. Informed the company of my intent to cancel the card. Company responded that they would cancel the debt protection service and proceeded to terminate the card. Company failed to provide copies of privacy notices and documents pertaining to the card per my initial request.
Consumer complaint received 2017-02-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MA)

Citibank sent me a promotion in XXXX 2016, offering XXXX thank you ( TM ) point after opening their Citigold account and XXXX bill payments over XXXX months ( please find attached scanned promotional letter in jpg files ). The account was opened on XXXX/XXXX/16 and XXXX bills were paid on XXXX and XXXX ( statement attached ). I have contacted the Citibank representative by online chatting and confirmed the fulfillment of the condition with their representative twice ( in XXXX and in XXXX 2016, please find XXXX and XXXX ). The requests of bonus point claims were denied twice after their lengthy 'investigations ', insisting my bill payments have not fulfilled their condition. It is clearly contradicting their correspondence in XXXX 2016.
Consumer complaint received 2015-08-18
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (FL)

I submitted a complaint # XXXX XXXX. Apparently this was closed. I received several e-mails to call you but I can never get through. I also have continued to try to get thru to Citibank without sucess. I received my first bill under the new arangement and it makes no sense. It has no detail, just a total due. If I was to pay the principal divided by XXXX it would be {$3000.00}. but they are billing me for {$4000.00} with no explanation
Consumer complaint received 2016-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

My XXXX student loans were forgiven on XXXX/XXXX/16. Navient refuses to report XXXX balance to XXXX. I have disputed 4 times to no avail. Navient acct XXXX.When XXXX asks for docs they tell them the balance between the XXXX is $ XXXX instead of zero.I can not get Navient to cooperate.
Consumer complaint received 2015-09-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (SC)

Navient, a company who took over for XXXX XXXX loans I have, calls me up to XXXX times a day, calls within XXXX hours of each other due to a loan being 2 months past due. I had requested paper billing so I could mail in Payments and have n't received them so I did slip. I notified them when a check was mailed with the check number and amount and the calls stopped for 4 days. The account is up to date now with next payment due XXXX and they called again at XXXX Sunday night. Enough is enough. Enduring multiple phone calls a day starting daily at XXXX and going think XXXX had finally stopped and now they are apparently starting again.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NY)

I have cosigned for my son. paying since 2003!! Continually harassed monthly both myself and my son I recently retired due to health issues and has been in contact with Navient to try to come to some settlement. They refuse to stating we have already made arrangements too many times!! This is a horror show and they harass you constantly and refuse to help you solve the issue. The interest rate is more than a mortgage would be thru a bank. This is unacceptable way of doing business. I am a XXXX and paying on a student loan for 2003!! I now have credit card debt besides owing the loan with is impossible to pay down with the interest rates they apply
Consumer complaint received 2015-04-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH (LA)

I closed on my mortgage on XXXX XXXX with the XXXX payment being due on XX/XX/XXXX. Soon after I closed, as I expected, I received a letter saying my loan would be sold. I thought this would occur before the first payment date ; however, it did not. On XX/XX/XXXX, I went into a branch to make my payment. The teller told me I could indeed make a payment in the branch and attempted to pull up my account. She could not locate the account my my account number or ssn. She called the asst manager who also attempted to pull up my account, but she could not find it either. She called the mortgage servicing department who said that the payment had to be mailed. I asked if I would receive credit for making the payment on XX/XX/XXXX, and I was told I would. The asst manager mailed the payment from the branch in a bank envelop. The payment was received and posted, but to my surprise, it was posted effective XX/XX/XXXX. I contacted the bank because I felt that this was unfair, and I should not have to pay for an additional 7 days of interest when I attempted to make my payment on the due date.
Consumer complaint received 2016-08-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (NY)

This company CBE Group ( I only know the name of the company as I called the number back ) calls 6 times a day from XXXX different numbers. If I answer they hang up, if I do not answer they wo n't leave a message. Finally they called and some one actually spoke. He never indetified himself or the company he was calling from. They wanted me to give them my address, social and birthdate. I did not give the information. I asked several times what this was in reference to, they said they would not tell me unless I gave the above information. XXXX XXXX XXXX and XXXX XXXX XXXX are the numbers they call from.
Consumer complaint received 2016-06-24
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (WA)

I have been paying my student loans for 11 years. I was on Autopay and never missed a payment. About 1 year ago I lost my job. I now have no money while I am looking for a new job. XXXX of my lenders allowed me to deffer my loans as was the case when I graduated college. However XXXX XXXX now Navient has refused to grant me defferment and insists I pay them {$150.00} to deffer my loans for 3 months. I told them I have no money and did not pay. Navient has began harrassing me instantly by missing XXXX payment. I have received like XXXX calls from XXXX different numbers from XXXX to XXXX. This is plain rediculaous. What other business harrass people like this? I have no money to pay them and am now requesting all information be sent by mail. What are my options.
Consumer complaint received 2017-01-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Grant & Weber (CA)

Company GRANT & WEBER- Original creditor- XXXX Account no. XXXX Date Opened : XX/XX/2011 and reported date : XX/XX/2011 This is a medical bill for XXXX Hospital and should not be on my credit report. Bill should have been sent to my health insurance companies. I was covered a XXXX percent under medicare and medical. Please find the attached coverage information
Consumer complaint received 2016-02-24
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: CITIBANK, N.A. (TX)

I have a power of attorney in which my power of attorney sent the legal document as well as the cease and desist. They were working on a settlement agreement in which was going to be a 12 month payment plan however they stated that I had to set up an auto pay in which i do not have the capability of doing. So then XXXX XXXX got involved and now refuses to speak with my power of attorney stating the document which was notarized was not valid. Refuses to even tell me why and has tried to call me knowing there is a cease and desist on file. Then even when i called she now refuses to agree to the settlement that i could afford.
Consumer complaint received 2017-01-05
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (MD)

On XX/XX/XXXX I received a letter from XXXX, Client Liaison from Citibank. He called me in XX/XX/XXXX asking me questions re : the closed checking account plus ending in XXXX.The payments to this account with the account number written on them were applied to the closed credit card account. He was interrogating me asking redundant questions saying the accounts were separate and why did I collapse both accounts in my complaint. Yet he " never '' addressed my question as to how the checking account payments were applied to the credit card. 

In his letter XXXX reiterated a statement by another client lisison a XXXX, " the account number written in the memo field is not bank information that we use to apply payment and it 's only purpose is that of a " memo '' for the clients use ''. This statement is insane! As all of us are aware consumers either have a carbon copy of the written check or a check register to record who the check was written to. 

I have attached a XX/XX/XXXX letter from Citi disputing XXXX and XXXX ludicrous statement. As I stated previously Citi is retaliating against me for involving my former Congressmen 's office ( now Senator ) to help me.
Consumer complaint received 2017-03-01
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A. ()

Refer to my correspondence with Citi Bank regarding my credit card XXXX In short I was contacted by Citi bank and they have offered mediclaim policy of XXXX, in XXXX and policy was issued and premium was debited in my credit card and it was paid by me. After that in XXXX before expiring that policy I have sent the mail to Citibank for not issuing the fresh policy or renew the mediclaim policy. 
Even prior information for not issuing the policy they have issued the fresh policy and debited the amount in credit card statement. After that I have sent so many mails not a single mail was replied. 
Now one month back I have come to know that Citibank has reported me defaulter and updated in XXXX so now my request is this kindly go through the attach file ( all mails sent to Citibank ) and resolve this and arrange to remove my and my wife name from XXXX.
Consumer complaint received 2015-04-06
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A. (CT)

In XXXX I applied for a loan with XXXX XXXX, this loan closed on XX/XX/XXXX. In XXXX I received notice that the loan had been sold to Citibank, I received XXXX letters as required. Last week a call came into my office, I am the office manager, from Citibank to verify my employment. I have not signed a release for Citibank to make such inquiry, I did not apply for a loan with them they purchased the loan. I advised XXXX XXXX from Citibank that they did not have my permission to make inquires regarding myself and that I would file a complaint with the appropriate departments. I did inform my employer of this and emphatically stated that I did not give permission for my personal information to be released to Citibank. Today XX/XX/XXXX forms arrived at the office asking for information regarding myself. As a rule it would be something I would handle, I did forward a copy of the documents to my employer. I would like to stress that I am not behind in my loan payments they are made on time each month. This is an invasion of my privacy and I feel violated and therefore want to file a formal complaint against the bank.
Consumer complaint received 2016-10-12
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (CA)

Citibank frequently offers special promotions for depositing " new to bank '' funds to new or existing accounts, holding a specified amount of the funds for a specified duration of time, then the bonus described in a promotion is to be deposited into the account. Year after year, I participate in these promotions, I always fulfill the terms of the advertised promotion, yet consistently the bonus is NOT deposited into the account automatically upon the completion of the promotional terms. I have screen images, photos and correspondence regarding this issue going back several years. I always end up getting the promised bonus after I invoke an internal investigation with the Citibank Customer Service back office. I learned after speaking with customer service and president 's office representative that Citibank does not have a system in place to automatically deposit bonuses if customers do not initiate a complaint. Supposedly these conversation with customer service are recorded, please request copies of my conversations over the years with Citibank regarding this issue. I can provide you with my written complaints to Citibank office of the President in an attempt to bring this issue to light. Nothing has been done to correct this issue and again in XXXX of this year, I had to initiate another investigation with XXXX to get my bonus, which I was assured by her I would receive automatically before the last day of XXXX - I did not, so yet again, like many times before, the bonus was deposited only after I initiated a complain in XXXX. I just made another " new to bank '' deposit in XXXX, and yet again, have XXXX faith that Citibank has a system in place to give me my bonus on or before XXXX XXXX, 2017 after I meet my part of the obligation and hold $ XXXX for 90 calendar days. I anticipated that I will initiate an investigation on XXXX XXXX, 2017 and receive the bonus two business days later -- - what about so many other customers who do not file an investigation complaint? The bank just keeps their customer 's money for themselves. 
Please investigate this blatant withholding of funds and bait and switch on behalf of the Citibank customers. Please contact me so I can provide you with further documentation.
Consumer complaint received 2016-02-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: PINNACLE RECOVERY, INC. (GA)

I am receiving letter from Pinnacle Recovery threatening to report a timeshare account as default to the credit reporting agency. The account is already showing on my report or were removed by the XXXX. I do not have a contract nor do I know what role Pinnacle plays in the XXXX XXXX XXXX organization. The company that I made payment to was XXXX XXXX ; I have not made a payment on this account since XXXX 2010. This account is already showing on my credit report. I did not think the same account can be reported twice. I told that to them when they called and I was told they can and will do so.
Consumer complaint received 2016-12-16
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP (TX)

For over 18 months I have been submitting documents to Selene to get assistance with my home mortgage. They do not notify me of any missing documents they might need, nor will they tell me why they continue to not assist me. They call XXXX and XXXX times a day and are very threatening. They refuse to take any payment since XXXX 2016, saying that I had to pay the full amount due or they would foreclose immediately. This past XXXX ( after at least XXXX written applications/requests for a loan modification for my home ) they finally carried thru with their threat. For the next 2 months they harassed and harassed me with numerous calls and messages each day and they refused to negotiate and only wanted the full amount due ( approx. {$14000.00} ). Finally with no option left, I filed CH XXXX bankruptcy. During the next 30 days I again, called Selene to see what I could do to keep my home. They said there was nothing that could be done, except to stay current and let the Bankruptcy proceed. In middle XXXX I had my case dismissed without prejudice due to my circumstances. Since then Selene is back to harassing me and giving me false hope and information. Last week, XXXX I re filed an application for Loan modification, as once again my house is in foreclosure. I have repeatedly asked for a different contact person as the one I have XXXX is abusive and is very prejudiced against me. Selene does not follow the FTC or CFPB guidelines and continues to be harassing and threatening. In XXXX they did not send me any notice that my house was in foreclosure, and as of today I have not receiveed anything for the current status. I need your help. 
My income dropped, it was XXXX and now only XXXX. I am the only provider and I need to keep my house. The deny my requests saying I can afford to pay the arrears within 3 months, but I can not afford to make my payments. 

Please investigate this company, as they continue to break FTC and CFPB guidelines regarding collection practices. They follow no guidelines but their own. 

Thank you!
Consumer complaint received 2015-07-09
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Chaparral Inc (OH)

I have had my car that is finance through XXXX XXXX XXXX for 2 years as of XXXX. Since XX/XX/XXXX the was no longer reporting. I have back in fourth for almost a year with the finance company and the credit buruea on which both are stating that are not at fault. I also back in XX/XX/XXXX submitted a complaint through this agency Consumer Protection and back in XXXX I stop receiving updates and no response of the status nor when I looked online.
Consumer complaint received 2017-02-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (NY)

I applied for their " Public Service Loan Forgiveness '' or PSLF, program and I first applied in XXXX XXXX, was given a different number of qualifying payments. XXXX of my loans had XXXX qualifying payments, XXXX loans had XXXX qualifying payments, and XXXX loans had XXXX qualifying payments. I had to re-certify my PSLF paperwork in XXXX XXXX, which I did and it reset my number of qualifying number of payments. Since XXXX XXXX my account has shown XXXX qualifying payments for all XXXX of my loans. I have called FedLoans multiple times to fix the problem, I called them before XXXX XXXX to get the correct number of qualifying payments. I pay my bill on time and in full and it was always over the amount they were asking. It is now XXXX and the problem has not been solved. I should have at least XXXX qualified payments. Why should I keep paying my bill on time, if they ca n't do something as simple as update my account. I made the payments, so they should update my account.
Consumer complaint received 2020-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Innovis (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have also included a copy of my identity theft affidavit. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX