davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-05
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A. (FL)

ME AND MY HUSBAND APPLIED FOR A XXXX FIRST TIME HOME OWNER LOAN I ATTENDENDED THE FIRST TIME HOME OWNER CLASS AND TURNED IN ALL OF THE REQUESTED DOCUMENTS TO THE LOAN OFFICER XXXX XXXX ( NMLS # XXXX ) AT XXXX XXXX EXT.XXXX.THE FIRST TIME SPEAKING WITH XXXX SHE ONLY ASKED FOR BOTH ME AND MY HUSBANDS XXXX FOR THE PAST 2YRS AND PAY STUBS AND DIRECT DEPOSIT AND BANK STATEMNTS FOR THE PAST TWO MONTHS. AFTER GIVING HER THESE ITEMS WE RECEIVED DOCUMENTS IN THE MAIL THAT STATED THAT BOTH OF OUR CREDIT SCORES WHERE ABOVE THE REQUIRED AMOUNT AND A COPY OF AN INCOMPLETE LOAN APPLICATION THAT WE WERE REQUESTED TO SIGN AND FAX BACK. THEN I RECIVED A EMAIL STATING THAT OUR LOAN WAS PENDING DECLINE FOR NOT TURNING IN ALL OF THE DOCUMENTS WHEN WE TURNED IN EVERYTHING THAT WAS REQUESTED BY THE LOAN OFFICER. SO I CALLED XXXX AND ASKED HER WHAT WAS GOING ON BECAUSE WE GAVE HER EVRYTHING SHE ASKED FOR AND SHE STATED THAT SHE DIDNT KNOW THAT WE HAD TO TURN IN ANYTHING ELSE. SO THEN SHE SENDS ME A EMAIL OF THE OTHER DOCUMENTS NEEDED SO I ASK HER HOW LONG DO I HAVE TO TURN THEM IN AND SHE TELLS ME BY FRIDAY SO I HAD 5 DAYS AFTER GATHERING ALL OF THE INFORMATION I HAD 3 DAYS LEFT XXXX EMAILS ME STATING THAT SHE ALSO NEEDS ME TO HAVE A ADDITIONAL {$2500.00} MORE DALLORS IN THE BANK FOR A DOWN PAYMENT WHEN SHE ONLY ASKED FOR {$2000.00} AT FIRST SO I WAS SUPOSE TO COME UP WITH THAT AMOUNT OF MONEY IN 3 DAYS. I EMAILED HER ASKING HOW CAN SHE GIVE ME A SPECIFIC AMOUNT OF MONEY I NEED FOR A DOWN PAYMENT WHEN SHE HASNT EVEN TOLD ME HOW MUCH I WAS APPROVED TO GET.NEEDLESS TO SAY XXXX WAS UPSET ABOUT ALL OF MY QUESTIONING AND DECIDED NOT TO ANSWER MY PHONE CALL IWAS TOLD THAT I HAD UNTIL FRIDAY AND SHE HAD SOMEONE ELSE CALL ME TODAY TO TELL ME THAT MY LOAN WAS DENIED BECAUSE OF MY CREDIT HISTORY NOT BEING SEASONED ENOUGH WHEN I KNOW THATS NOT THE CASE BECAUSE BOTH ME AND MY HUSBAND HAVE BEEN RESIDING IN THE SAME RESIDENCE FOR THE PAST 8YRS AND HAVE LIGHT WATER CABLE INTERNET AND HOMPHONE AT THIS RESIDENCE FOR THE ENTIRE 8YRS BOTH ME AND MY HUSBAND HAVE XXXX CREDIT CARD WHICH HAVE XXXX BALANCE ON THEM THAT WE USE TO PAY OUR UTILITY BILL MY HUSBAND HAS A GOOD PAYING JOB WERE HE MAKES AT LEAST $ XXXX WITH OUT ALL THE OVERTIME HE DOES I WORK XXXX IN THE SAME CAREAR AS A XXXX FOR THE PAST 6YRS BOTH OF OUR CARS ARE PAYED FOR WE PAY OUR INSURANCE AND ALL OF OUR BILLS ON TIME.SHE TOLD US THEY WOULD NOT ACCEPT OUR RENT RECIPTS SO WE HAD TO CONTACT OUR XXXX WHOM JUST PURCHASED OUR HOME BUT STILL HAS ALL THE DOCUMENTS THAT SHOWS OUR LEASE AGREEMENT AND THE LENGHT OF STAY AT THIS RESIDENCE ALONG WITH IF WE ARE GOOD TENENTS AND PAY ON TIME TO FAX OVER A HEADLETTER IN PLACE OF THE RENT RECIPTS. THE WOMEN NAMED XXXX XXXX THAT CALLED ME TODAY SAYED THE REASON WE WERE DENIED WAS BECAUSE OUR CREDIT HISTORY WASNT SEASONED ENOUGH THAT DIDNT MAKE SINCE TO ME AND I TOLD HER THAT SHE SAYED MAYBE I SHOULD TRY AGAIN AT A LATTER DATE AND I TOLD HER I WONT BE TRYING WITH CITI BANK AGAIN.
Consumer complaint received 2016-11-03
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (PA)

On XX/XX/2016 I booked a 2 night stay at XXXX in XXXX, FL for XXXX. At the time of booking I was advised the resort would charge a deposit of {$240.00}. When I received my statement for my Citi XXXX I was charged the {$240.00} twice by the resort as XXXX separate transactions. I pointed this out to the resort management at check in and was advised it would be taken care of. It was not. I have receipts from the resort supporting this. I protested the charges with Citi. They will not reverse the charges and have sided with the resort even though my card statement reflects I was charged {$240.00} twice as two separate transactions and the resort receipt only reflects a deposit of {$240.00} was applied.
Consumer complaint received 2017-02-06
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (OH)

I was induced to switch from a no fee card to a fee based card upon the promise that I would be eligible for a promotional offer, which included awarding me XXXX airline miles if I spent {$3000.00} within the first three months of having the card. I satisfied the terms of the offer but the credit card company, Citi, is not honoring their promises to me. In fact, I called them several time about this and they originally said that they would review the call I had with the sales representative and honor their promise if that is what they told me. Later, they changed their mind and stated they would only make a decision about whether or not they would honor the promise that induced me to switch after I spent the {$3000.00} and qualified. I did as they asked and spent the {$3000.00} and then they said that they decided to not provide me the bonus points. Their actions were fraudulent and misleading. It caused me to forgo other offers and not use cards with better rewards.
Consumer complaint received 2016-05-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (OH)

I signed up for a XXXX account in XXXX with a XXXX XXXX miles offer attached to the account. I met all of the requirements in order to receive the miles in XXXX, and also contacted Citibank through secured messages, calls and live chat to ensure that I was qualified and would receive the miles. All of the representatives confirmed that I met all of the requirements and the bonus would be posted in XXXX at the latest. However, I did not receive my bonus and decided to contact Citi. Citibank refused to honor this promotion by saying that I was not targeted for the promotion. This behavior is unacceptable as all of the representatives at Citi told me that I met all requirements and should get my miles. If I was not targeted, they should not have told me so. They delayed the time the bonus got posted and then refused to honor it in order to charge monthly fees on my account.
Consumer complaint received 2016-02-01
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (OH)

Received notice today XXXX/XXXX/2016 that my citicard account ending in XXXX was closed. This was done due to non use of the account but does adversely impact my credit standing since this account had {$30000.00} available. I believe that this adverse action requires prior notice and there was none. Representative I spoke with said this was citi bank 's policy and contacting the cfpb was fine.
Consumer complaint received 2016-07-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (GA)

On XXXX XXXX, 2016, I opened a CitiGold checking account with a promotional code of XXXX, offering XXXX XXXX XXXX miles. The XXXX XXXX XXXX miles were to be issued with the following requirements, making {$1000.00} debit card purchases and making XXXX or more bill payments for two ( 2 ) consecutive months. 
On XXXX/XXXX/16, after XXXX requirements were fulfilled and met ; I confirmed via secure message with a representative from Citibank that the promotion was linked to my account and completion of the requirements would make me eligible for the promotion. 
Then on XXXX/XXXX/16, I submitted another message to open an investigation to follow up on when the XXXX XXXX miles would be posted. I was told that the investigation would take XXXX to 3 business days. It has been more than 7 days, and I have yet to receive any response back. 
I have searched online and found that there were numerous cases with Citibank not honoring XXXX XXXX XXXX checking account. I am being charged a $ XXXX/monthly fee in my account and another monthly fee will be withdrawn from my account without any response from Citibank. I do not appreciate that they are not responding to and ignoring this issue and refusal to award me the points I have earned ; all while still charging me a fee for maintaining their Citigold checking account.
Consumer complaint received 2017-03-08
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A. (FL)

After open a business account for a new business, I applied for a CitiBusiness AAdvantage Platinum Select World Master Card. 
This application was rejected, I called Citi and the representative did a manual revision of the application and was rejected for a second time, she told me that I will receive a letter explaining the reason why the credit card was denied. 
For my surprise the reason was : THE CREDIT REPORT SHOW DEROGATORY PAYMENT HISTORY After read this I was very worry, because I been very responsable with my finances. 
I called CitiCards ( XXXX ) they told me that the decision was made based on XXXX and they recommend me to call them. I did and a rep from XXXX told me that they dont have any information on file about this business and send me an email with this explanation ( of course this is a new business ) Due to the application was made based on my personal credit history I decided to call the Bureau of Credit and they send me my personal credit report that dont show any late payment or derogaroty payment history as they said. 
Base on the Equal Credit Opportunity Act ( prohibits creditors from discrimination ) I consider that I was a victim of a discrimination by Citi and in order to support your decision CitiBank used FALSE INFORMATION that is not contained on my business or personal Credits Reports. 
Im sending for your review XXXX Copy of the letter sent by CitiBank XXXX 
2- Copy of the email sent by XXXX 3- Copy of my personal credit report. 
I strongly request an investigation in order to know what kind of information Citi used to conclude " Derogatory payment history '' Im not complaining about their decision. My concern is the FALSE INFORMATION they used to conclude that.
Consumer complaint received 2016-08-25
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FMS Inc. (WA)

After reviewing my XXXX credit report I was very concerned to realize that I had negative items listed that are all medical debt from the same company FMS Inc with the original debtor showing XXXX. I immediately contacted XXXX and was told they did not have any services rendered to me with a balance owed ( I am including documentation ) which shows any services I had have a XXXX balance and that had if had any services ( Which I did not ) they would have been fully covered insurance. This leads me to believe either this is a matter of identity theft or someone else 's information reporting to my report. I have struggled to navigate through the muddy water of removing these medical debt inaccuracies on my credit report which continue the negatively impact my overall credit. I have never received any communication from FMS Inc stating that I owe the debt nor have they legally validated the debt after several disputes with FMS Inc. as well as XXXX & XXXX I have had continuous medical insurance with my employer since XXXX through XXXX as well as dual coverage from my husband which is a XXXX service member through XXXX. This is also validated through XXXX the original debtor which I am including in documents ( this would leave no reason for an unpaid medical bill ). I have disputed the validity of this debt with XXXX and Fms Inc. multiple times. I do n't know how The credit bureau 's or FMS Inc could accurately or fairly verify the accuracy of this debt and still remain within HIPPA laws. XXXX was unable to validate anything was owed which I am attaching Billing info as documentation. I am including my history with XXXX, My Insurance Info and everything else that should allow XXXX the promptly remove these inaccuracies from my report. I feel very violated that I even need to provide my medical history to show that I have not had services unpaid through XXXX. 

All account posted to credit bureau on the same day. on XXXX FMS XXXX XXXX/XXXX/XXXX {$3900.00} XXXX Debtor XXXX FMS XXXX XXXX/XXXX/XXXX {$2500.00} Origianl Debtor XXXX All account posted to credit bureau on the same day.XXXX FMS XXXX XXXX/XXXX/XXXX {$3900.00} Origianl Debtor XXXX FMS XXXX XXXX/XXXX/XXXX {$2500.00} Origianl Debtor XXXX FMSXXXX XXXX/XXXX/XXXX {$460.00} Origianl Debtor XXXX
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (PA)

When I had first graduated and explored my repayment options I was never properly counseled on what may lie ahead of me. I felt like I was guided toward the most common repayment plan without disclosing the costs and benefits. After graduating from XXXX school, without a job in my field, and unable to make my monthly payments XXXX I was counseled to defer my repayment plan. I was never advised to make smaller monthly payments or offered alternatives. My interest rates were never discussed nor were the way my repayment would be applied. After graduating XXXX, taking a year off, then we applying to graduate school and enrolling I had to defer my student loan payments. During the time I did this and called to discuss my student loan options they simply stated I should go inter Department. The loan counselor never explained that my interest rates would continue to grow and I would accrue interest over there as I was in XXXX school as well. I have previously tried to call and calculate a better repayment plan and feel I was never given a direct answer.
Consumer complaint received 2016-10-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CL Holdings LLC (MD)

This debt has been resolved XXXX continues to harass me through debt collectors this is the third time I had to have to request to have it removed from my credit reporting agencies. Please if you can help and stop them from doing this XXXX is enough to deal with I should n't have to deal with this at all I think you for your time and I look forward to hearing from you soon. 
Sincerely, XXXX
Consumer complaint received 2016-10-17
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

Navient ( Student Loans-buyer of XXXX Original Lender Handler ) Makes harassing phone calls using several Different numbers : Toll Free # XXXX ; XXXX ; XXXX ; AND UNKNOWN NAME { ID # XXXX } XXXX ; XXXX ; XXXX ; XXXX. Also Navient has used a " Shadow '' ID # As : Solution Research A : XXXX ( Source ID verified by call back ). All above # s have been used on Average of 10-12 Times per day beginning at " shortly '' after XXXX Sunday thru Sunday on a constant continual basis. Additionally, the aberrant # XXXX used were evidently created to appear non-descript, however, upon my answer or return call " pick-up '' person would immediately voice a rehearsed disclaimer : " Your call may be monitored or recorded '' no additional comment as is Common on such disclaimer e.g. "... for training purposes. '' Afterward, the Authorized representative would immediately ask me to verify my : Name, SS #, etc. ; and then commence saying '.. .we are Navient Student Loans Attempting Collect and Outstanding Debt. BUT although I have spoken to separate individuals on multiple occasions regarding my debt and financial Inability to pay : apparently, it did not matter. I was transferred to several others to discuss my financial indebtedness but to no avail. SO I have refused to speak again on the matter Knowing I will go through the whole matter again i.e., It now has become HARASSMENT! 10-12 calls per/day on XXXX primary XXXX # in addition to the flagrant use of the others to try and catch me " OFF-GUARD '' i.e, trick me/bait and switch. Finally, given the multiple DIFFERENT numbers used and daily disturbance in violation of California Consumer Law : Debt collectors can not use obscene or profane language, threaten to illegally harm you or your property or your reputation, falsely threaten you or threaten you with illegal actions, cause your telephone to ring repeatedly to annoy you, or otherwise harass or abuse you. ( California Civil Code sections 1788.10-1788.11 ; 15 United States Code sections 1692d-1692e. ) There is no law that specifically limits the number of calls an agency may make to you, but repeated calls over a short period, which may be annoying or harassing, are prohibited.Therefore this harassment as above stated must stop.
Consumer complaint received 2017-03-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (AR)

In XXXX XXXX while I was deployed to XXXX, my parents co-signed a student loan for my spouse in the amount of {$26000.00} ; the loan was initially financed through XXXX XXXX and later sold/transferred to Navient. My spouse and I separated, and later divorced in XXXX. 
In early XXXX, due to my mothers failing health, my parents attempted to refinance their home, only to discover, since my ex-wife had not made payments and the student loan was in arrears, their loan was denied. 
Upon contacting Navient, my parents were told my ex-wife had repeatedly been granted deferments to take additional classes in additional to not making payments. At no time, as the co-signers, were my parents notified or conferred with when she deferred the loan to take additional classes or when the loan fell into arrears. 
We have been unable to contact my ex-wife ; attempts to call her last known phone number, use her last known email address, and mail certified correspondence to her last known physical address have gone unanswered and/or been unsuccessful. 
The loan which started at {$26000.00} in XXXX XXXX is now {$33000.00}. 
Parents : XXXX and XXXX XXXX XXXX XXXX Account is under the name XXXX XXXX ( maiden name XXXX ), # XXXX # XXXX DOB XXXX XXXX XXXX If you need a XXXX contact me directly.
Consumer complaint received 2016-08-23
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (TX)

Hello, Thank you in advance for your time. Navient is the only debt collector calling about my private loans that I defaulted on. They call my father ( co-signer ), mother, grandparents, and XXXX aunts repeatedly. These calls are all going to their home phone. I asked Navient to stop calling. Navient calls my family from XXXX. Navient calls me from other numbers like XXXX. Can you make them stop? 

Thanks, XXXX
Consumer complaint received 2017-01-11
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Navient Solutions, LLC. (NY)

This loan was included in a 2009 bankruptcy under XXXX and now under Navient they are trying to collect as well as declaring me deceased, which I obviously am not. This loan was not valid as XXXX XXXX was supposed to recall full loan and school not attended due to illness which resulted in subsequent bankruptcy.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (PA)

I was given out loans that I would never be able to repay based on my earning potential. All information when trying to rectify the loans was misleading and they would n't help with lowering the costs. I receive countless threats and phone calls about garnished wages daily.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (TX)

I paid my payments monthly for years, my account did not seem to be going down, I asked for a monthly history, I was told they could not give me a monthly history past back 1 year. 

Eventually, I paid off that set of loans for my XXXX. I am now paying on my XXXX XXXX it would be nice to receive a paper statement, illustrating my balance. When my loan was transferred I asked for a copy of my payments once again they said they did not have the back payments information, XXXX only knows if they are applying my payments correctly. 

Also XXXX charged additional fees towards my school loans, after I had finished my XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX XXXX XXXX XXXX
Consumer complaint received 2016-05-05
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: M&T BANK CORPORATION (MD)

Dear XXXX XXXX. 

I am writing to you in regards to unsatisfactory resolution on the above mentioned disputed item on my M & T Debit Card. 

On XXXX XXXX, 2016, I attempted to make a purchase with XXXX. The transaction was declined for insufficient funds ( copy of decline enclosed ). A few days later, when reviewing my account online, I noticed the charge had posted to my account. I immediately contacted your Call Center and filed a dispute against the charge. I was issued a conditional credit while the investigation was conducted. On XXXX XXXX, I received a letter from the Disputes Department asking for supporting documentation, which was provided and immediately returned. 

On XXXX XXXX, I received a letter advising the dispute and been reviewing and was placed in the favor of XXXX and the credit was reversed on XXXX XXXX. That same day I contacted your Customer Service Group XXXX to discuss the transaction. I first spoke to a Representative, XXXX and finally had to ask for a Supervisor, XXXX. XXXX advised they would work with XXXX from the " Back Office '' and for me to also contact XXXX, this call lasted for XXXX minutes. Following his instructions, I contacted XXXX at XXXX XXXX ) XXXX and spoke to XXXX, which was a Call Center in a XXXX Country. She indicated an Account Specialist would contact me to resolve my issue. I received, the enclosed form, which had no bearing on the purpose of my contact. 

On XXXX XXXX, I once again contacted your Call Center and spoke to XXXX, a Rep and then to XXXX, a Supervisor, and finally to XXXX another Supervisor. XXXX advised me that this case is closed with M & T and that there is nothing that the Bank can do to help me with this issue. As I have indicated to each person I spoke with, I received a decline letter and no merchandise was shipped to or signed for by me at my address. I work for XXXX XXXX, Monday through Friday from XXXX until XXXX and your Disputes Department indicated I signed for this package. I am a single person living in a single family Home. I have asked for that " signature '' to be compared to my Signature Card on file with the Bank, and no one wants to take ownership for this issue. I ca n't absorb this {$1100.00} and subsequent Overdraft Fees that have occurred. I work very hard for my money day in and day out and other transactions, Utilities and Insurance Premiums have been returned and OD Fees charged to me as a result. 

I spoke to a friend over the weekend that works for XXXX XXXX XXXX XXXX and she indicated that this could be returned to XXXX as a " Good Faith Collections '' item?!?! 

I am looking for your personal interaction to please help resolve this issue and plead for mercy. 

I have been charged XXXX indvidual NSF @ {$38.00} for this transaction