davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NJ)

info : at XXXXXXXXWelcomeA Citi representative will help you in approximately XXXX minutes XXXX seconds. 
info : at XXXXXXXXFor your protection, we 'll never ask you for passwords, PINs, User IDs, security words or any part of your social security number during a chat. Other information may be required to help us verify your identity. This chat may be recorded or monitored for quality purposes. 

You are now chatting with XXXX. 
XXXX : at XXXXXXXXWelcome to Citibank , my name is XXXX . How may I assist you today? 
XXXX : at XXXXXXXXGood morning XXXX . 
XXXX : at XXXXXXXXI hope you are doing well today. 
XXXX : at XXXXXXXXi have called the XXXX , NJ branch 7 times in order to schedule a notary appointmentXXXX : at XXXXXXXXno one answers. you closed all the branches in NJ but for this on on the other side of the state from meXXXX : at XXXXXXXXwhen i call they are busy and route me to the main computerized help serviceXXXX : at XXXXXXXX1/2 of those times you guys call and ca n't get throughXXXX : at XXXXXXXXI 'm sorry to hear this from you. 
XXXX : at XXXXXXXXso my concern is i pay {$25.00} for a checking account per monthXXXX : at XXXXXXXXand no one can help me get a notaryXXXX : at XXXXXXXXI 'll be glad to provide you the direct number of a branch. 
XXXX : at XXXXXXXXi ca n't travbel to citibank in XXXX just the schedule a notary on another dayXXXX : at XXXX can imagine this. 
XXXX : at XXXXXXXXi called that number XXXX times in three days ( and you guys called a XXXX times if you check my files ). 
XXXX : at XXXXXXXXis there a manager i can complain toXXXX : at XXXXXXXXbecause i am on the verge of shutting down my account altogetherXXXX : at XXXXXXXXI can imagine this XXXX. 
XXXX : at XXXXXXXXor maybe you want us to do that based on these issuesXXXX : at XXXXXXXXIn this case you can call our Citiphone team and complaint to a manager. 
XXXX : at XXXXXXXXyes i did that and they were busyXXXX : at XXXXXXXXso now i am chatting with youXXXX : at XXXX, I noticed that there is a state website for notary services. 
XXXX : at XXXXXXXXwhat does that meanXXXX : at XXXXXXXXI can help you with that link. 
XXXX : at XXXXXXXXPlease click on this : State Notary. 
XXXX : at XXXXXXXXthat a free service for my paid account though ... why ca n't you call and make that appintment for me ... i am here waitingXXXX : at XXXXXXXXif that 's the best you can do there is noXXXX : at XXXXXXXXpoint paying you {$25.00} for an account per month and XXXX brnaches in my area and no one picking up the phone at the branchXXXX : at XXXX, I would 've definitely done this if I had access to a phone. We do not a facility to reach out to our Citiphone team being in a chat 's communication center. 
XXXX : at XXXXXXXXthat link says i pay {$35.00} for the state to do it ... will you pay that fee since you are n't giving me what was promised or do i complain to the banking regulator about this? 
XXXX : at XXXXXXXXI can understand this XXXX . 
XXXX : at XXXXXXXXor will complain to cfpb and fdic thenSend
Consumer complaint received 2017-10-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

IN my previous complaint # XXXX, Paypal responded that I can close my account. However, when I log in, my account maintain the restrictions so it is not possible to arrive to the menu Paypal mentioned in their previous response. Therefore, in order to close my Paypal account and then open a new one under a different email address in order to be able to use my XXXX bank account, I am kindly asking Paypal via this new complaint to close my account as the restrictions imposed by Paypal do NOT allow me to do it.
Consumer complaint received 2016-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (NY)

On or about XXXX XXXX, after reviewing my XXXX XXXX credit report I noticed many erroneous information about an alleged debt that i owed XXXX XXXX XXXX XXXX XXXX ), so I disputed the allege debt with the XXXX XXXX credit reporting agency. About 30 days later XXXX XXXX mailed me a confirmation letter deleting the alleged student loan that I owed XXXX. I was delighted for a brief moment ; On or about XXXX, XXXX I requested for my annual free credit report from all XXXX major credit reporting agencies ( XXXX XXXX, XXXX, and XXXX ). When I received all of my reports, all XXXX listed the alleged debt owed to XXXX as permanently deleted from my credit report ; but now they listed a third party interloper as the Original creditor ( Sallie Mae/XXXX ). So on XXXX XXXX, XXXX I disputed the false information by sending XXXX XXXX credit reporting agency a notice of proof of claim of the alleged debt owed to Sallie Mae/ XXXX. Within thirty days XXXX XXXX purported that the alleged debt was verified and/or validated by a Sallie Mae representative. On XXXX XXXX, XXXX I contacted Sallie Mae student loan department and spoke with a representative about my displeasure of having there company list fraudulent information on my credit report with validating the allege debt. The representative requested some personal information about me, so she could search for any information on me in there system. After a few minutes the representative stated to me that there is no information about me in there system, thus to contact XXXX ; so I conceded. I instantly contacted XXXX and spoke with a representative, I gave the rep. my private information the matter and within a few moments the rep. stated that they had no information about on this alleged loan. Therefore, I personally called XXXX XXXX to speak with a rep. they stated that they would look into this matter further and file a direct dispute on my behalf in 10 days, so far I have not heard anything from this private-for-profit corporation which is not part or affiliated with the United States government. Nor is this 3rd party ( fictitious ) interloper has any wet-ink signatory binding a bilateral agreement.
Consumer complaint received 2015-09-09
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (IN)

I am seeking your assistance to resolve a situation with CItiBank, who remains unresponsive to verbal and written communication. 
SUMMARY : From XX/XX/XXXX to XX/XX/XXXX XXXX 

To comply with CitiBank 's interpretation of the Patriot Act, my social security number was connected to the Center 's CitiBank Business credit card. Due to billing confusion taking place after I left the agency, CitiBank states the account has not been paid, late fees and interest have been added and the 'account ' has gone from a collection agency called Pro XXXX XXXX XXXX a second collection agency called XXXX XXXX XXXX who continue to call my home and threaten my personal credit rating even though I have repeatedly and patiently explained the situation in full each time I am called. After all, it is in my best interest to clear up this mess. 
CitiBank, XXXX and now XXXX XXXX do not respond to written and verbal communication from me or the XXXX XXXX XXXX to resolve the confusion. 
The original amount owed on the card was {$88.00} with an added {$140.00} in fees which supposedly brings the disputed amount to {$200.00}. XXXX Yes, I know the basic math is wrong, which just adds to the craziness! ) The XXXX shared a letter from Citi with me stating the original {$88.00} was paid XX/XX/XXXX. Yet I continue to receive calls requesting I personally pay {$200.00}.
Consumer complaint received 2015-09-04
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: CITIBANK, N.A. (FL)

On XXXX complaint XXXX to Citi Mortgage was issued, and I disputed it on XXXX. The response from Citi Mortgage states what is already in my documentation packet. The stated corrections in this response were already in place on my credit report when I submitted this complaint. I provided a snapshot of my credit report with a current status value of " 120+ days past due '' as of XXXX to a current status value of " Pays as Agreed '' on XXXX. I was not disputing the status of the account in this complaint. What I am disputing is the date in the " Date Reported '' field. It should not be XX/XX/XXXX. This was reported back XX/XX/XXXX, and should remain that way to show creditors that this account and issue is 5 years old. The company has not explained why the update to this account even happened XX/XX/XXXX. Why was the current status changed to " 120+ Days Past Due '' on XXXX. If I had not disputed this item, it would still be that way. The status was updated to Pays As agreed after I disputed it XXXX. This mistake has caused me to not get credit and pay higher insurance premiums. I want the date reported set back XX/XX/XXXX so that it is representative of when the settlement and release of mortgage was executed. Having a XX/XX/XXXX date as the date reported makes this appear as a current issue.
Consumer complaint received 2023-03-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA (MO)

To whom it my concern My name is XXXX XXXX a valued customer of XXXX XXXX XXXX XXXX Account number XXXX, 15 on time payments of {$530.00}. I am reaching out for help on my XXXX  Kia XXXX bought it brand new from XXXX Kia ( XXXX XXXX XXXX, XXXX Missouri XXXX ) I am the first owner of the vehicle. XXXX Kia is the Only ones to maintenance my vehicle my vehicle is still under the Kia powertrain warranty 10years/ 100,000 miles I have XXXX miles on my vehicle. I also purchased an Extended warranty from XXXX Kia bumper to bumper for {$3000.00}. 
I took my vehicle to XXXX Kia because the check Engine light came on, they test drove the vehicle and said the Engine was knocking but it wasnt when I was driving it, so I told them to replace the Engine because it was still under warranty they said No, they refused to repair the Engine because I missed one oil change & Kia corporate said the same. 
I need help because I have been spending {$400.00} a week on Rental Cars, I fear I will not be able to pay my Car note because all of my money is being spent on Rental Cars and my perfect pay history is coming to an end soon
Consumer complaint received 2017-03-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc. (GA)

The CBE Group , Inc. has continued to call me in an attempt to collect a {$27.00} debt that is not mine. I have instructed them by mail, email and by phone that the debt is not mine, that they are not to try to contact me further and that I have verified with XXXX that the account and debt in question is not in my name or related to me in ay way. I instructed CBE Group to follow up with XXXX and I also copied XXXX on the letter. The last call today came from XXXX ( XXXX GA ). The person from the collection agency refused to give me their name and continued to try to make a collection attempt even after I had told them that I had request in writing that they were not to contact me further to try to collect on a debt that was not mine. I have blocked numerous numbers associated with CBE Group but they then call at least once a day from a similar but different number.
Consumer complaint received 2016-09-10
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (IL)

I paid my Citibank credit card bill on XXXX XXXX from my XXXX Bank account. XXXX mailed a check to Citibank well in advance of the XXXX XXXX due date. Citibank said they did not receive the payment until XXXX XXXX, so they charged my account {$25.00} for being late. I called customer service to explain that the payment was sent well in advance of the due date, and there should be no late fee. I asked them to waive the {$25.00} fee. They would not.
Consumer complaint received 2015-10-26
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A. (IA)

This is a dispute for case number XXXX : Once again- the right hand does not know what the left hand is doing. The responses I received from CITI stated they will be sending to satisfaction to the XXXX County Courthouse. I was beyond ecstatic to have this finally behind me after CITI 's " clerical error ''. The same " clerical error '' that has wasted MY TIME, hindered me in potential jobs, and housing options. Now, I have found out after receiving XXXX letters stating this, the satisfaction that was supposingly being sent to the XXXX County Courthouse was sent to my ex- mother in laws house. I have no idea why this was done. This is beyond ridiculous. Now I have to spend more of MY TIME to get this document and take time out of work to get this recorded at the XXXX County Courthouse. I would like to be compensated for my time because of this " clerical error ''. This has been a waste of my time and has ruined my life for the last year. Please make a check payable to myself in the amount of {$1000.00}. Oh and please do not send this to my ex- mother in laws house. My address AGAIN is XXXX XXXX XXXX XXXX XXXX, IA XXXX. You know, the same address on the loan docs.
Consumer complaint received 2016-08-22
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (WA)

XX/XX/XXXX as I 've done every month for years I submitted a request through the Citi credit card website to pay my bill in full the day before the due date which in this case was XXXX XXXX. On XXXX XXXX I noticed that no payment was deducted from my checking account and upon calling found that they had no record of me submitting the request. I immediately paid the bill on the phone in full. Even though their IT Department can go into their system and confirm or deny any click I made the day I did the payment, they refuse my request to prove that it was my error and not the error of their anything but infallible system. The time this transaction occurred can be exactly identified. I asked to speak to a Supervisor and this has not occurred either, beyond one person who did n't identify himself or leave a call back number leaving me a message. I content that this problem was caused by one of the many constant irregularities of the Citi website and the interest should be waived as it was their fault not mine.
Consumer complaint received 2016-08-30
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (NY)

there is a negative account on my credit reports from macy 's ending in XXXX that is hurting my credit score which i need removed. Its difficult to acquire credit for me with those negative remarks.i have hired a law firm to represent me in order to remove it but they refuse to.Next step is to complain to the better business bureau regarding this incident. Unless they agree to remove it from transition and experian ill take down my complain
Consumer complaint received 2017-02-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MN)

I 've had the displeasure of working with Navient since they were XXXX at the start of my collegiate career at XXXX. XXXX ( now Navient ) was the lender they suggested I work with. 

-From XX/XX/XXXX ( graduation ) through XX/XX/XXXX, when I was financially stable enough to begin steady payback, I was only offered Forbearance as a hardship option with capitalized interest on my private loans. Each time, I was told to apply for deferment, only to be denied in favor of forbearance without explaination. Ultimately, this capitalized interest from forbearance added over $ XXXX to my loans over the course of about XXXX months. 
-I was told multiple times by multiple reps that any " additional '' payment would be automatically applied to principal. I found this to be false, that my extra payment instead was applied to interest. When I called to ask for an explanation, I was told that it should not have happened ... but they would not change the payment I 'd made to correct this. 
-Discussions with reps still offer varied explainations for why I would have differing amounts paid to principal each month since beginning regular, full payments in XX/XX/XXXX. 
-I have never been given a reason beyond " you ca n't '' when asking to split additional payment toward principal amongst my loans to apply to my XXXX, higher-interest loan. I was told any extra payment that supposedly goes to principal is applied equally to all loans, preventing me from paying down my highest-interest one any quicker. 
-I still do not understand why I have a disbursement listed on my record dated XXXX months after I graduated. This is unrelated to my capitalized interest. 

Eventually, I stopped trying to contact them, and stopped trying to pay off additional principal. It became clear that their reps a ) only had access to the same information I did, b ) that they either had no power or desire to help me and my situation, and c ) that information would change from rep to rep as far as what my options/explanations were. It was not helpful to call someone and have them repeat the information I saw on my screen back to me and offer no insight. If i asked to speak to a XXXX, I would be placed on hold for a lengthy period ( expected ) and then receive the same answers from the reps ( also, expected ). 

It 's unfortunate I can only pick XXXX to " describe my issue '' in this report, because I 've had trouble with how payments are handled, I do n't agree with fees charged, received bad information about my loans and have major problems with customer service.
Consumer complaint received 2015-10-08
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (SC)

I have sent several letter stating that I want to be only contacted by mail. I also stated that my work does n't allow such contact, and I am still getting phone calls, and faxes at work. 

XXXX XXXX, XXXX NC
Consumer complaint received 2016-04-22
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

I was double billed by Citi Credit Card for a hotel stay. I have bb been fighting with them since XXXX/XXXX/16. I received a letter from Citi ( XXXX XXXX ( XXXX ) XXXX on XXXX/XXXX/16 Stating " We will apply a permanent credit to your act. '' This did not happen.
Consumer complaint received 2016-03-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: CITIBANK, N.A. (OH)

Citibank Student Loans- They do not provide any information on how long I have left to make payments on my loan. The loan details only show me the original amount of the loan, the current payoff amount, my interest rate, and my monthly payment amount. There is nothing I can find as to how many months/years I will be making these payments until I have the loans paid off. I even tried calling to speak to someone ( which every time I hit " 0 '' it said that was not an option and just kept repeating my next payment due date ). There is not even a way for me to view any actual statements online and I do not receive any in the mail. My address is up to date. They make it very difficult to get information, and find details about how I can get the loans paid and when.
Consumer complaint received 2015-11-30
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (CA)

I made a check payment in store to the Home Depot for my Home Depot credit card on XX/XX/2015 for about {$3800.00}. The amount was deducted from my bank account the following day on XX/XX/2015. On XX/XX/XXXX I tried to use the credit card and was told the payment had not been credited and would not be credited for an additional 15 days. Therefore the company took my money and held on to it for 30 days without using towards the payment on my account or reimbursing me in any way.
Consumer complaint received 2016-09-28
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (LA)

Citi refused to help in any manner to resolve an issue i had came across thru credit bureau reporting when refinancing my home. they reported me XXXX, XXXX XXXX and closed my account. they insisted they could not help bc of XXXX balance. i was even told that i settled with collections dept when asked about adjustments to the account. after review of past statements is when i learned that my payoff amt posted to my acct 2 days later than the due date incurring a late payment which escalated til XXXX 2016 at which time they wrote off those charges and closed my account and reported serious delq. i never used the card again and so i never checked the account. i never received any further notices or telephone calls to try and collect any amounts from anyone until i reviewed my credit report. i tried to contact them immediately to try to resolve this. i was told several diff stories, XXXX it was an error, XXXX, i made arrangements with collections ( explanation for adjustments ) or could not give any info bc of XXXX balance. i had to request all statements to try and figure everything out. Once it was established that the payout payment posted after XXXX i asked if this could be resolved bc i was a good paying customer and that all charges were just charges of theirs and had indeed collected anything i owed and i wanted to get my credit history returned to its great standing. she refused to help and stated that my reportings would not be fixed bc it was not a banking error and their policies had changed and they were no longer lenient in their late fees. i was only 2 days late and this was a complete error and explained had i known about the charges, i would have contacted them immediately and most likely they would have removed charges.
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (PA)

My student loans are serviced by Navient. Over the last two decades, XXXX XXXX and Navient have failed to properly credit my account, have failed to place my loans in deferment and/or forbearance status. I am currently supposed to be in an interest only plan, which was explained to me that I would pay interest only until the age of XXXX ( I am currently XXXX ) and then the balance would be forgiven. ( I would pay tax on the forgiven amount ). My student loans exceed {$150000.00} because of the interest that has been improperly capitalized over the years, because payments have not been properly applied, etc. Now, they are telling me I am not in the interest only plan and that I am in another plan, paying nearly {$900.00} per month. This is not what I agreed to. I should be paying {$600.00} per month, as I had for over 5 years. Now they are saying I owe all kinds of back payments, etc. I have repeatedly disputed their claims. I have been unable to get a mortgage because of the false claims from the student loans company. I have XXXX kids to support.