davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (FL)

XX/XX/2016 I opened a Citigold Checking account offering XXXX Thank You Points for meeting the requirements. The promotion code that I used was XXXX. I met all the requirement on XXXX/XXXX/2016, and confirmed via chat that I fulfilled the requirements on XXXX/XXXX/2016. The customer service rep told me that I would get the Thank You Points within 90 days. On XXXX/XXXX/2016 I contacted customer service via chat to again confirm that I was eligible for the promotion, and to find out the exact date the Thank You Points would post to my account. The rep told me that the points would post by XXXX/XXXX/2016 at the latest. On XXXX/XXXX/2016 I contacted customer service again through chat because my points has still not been posted. The rep told me that they will post by the end of the month ( past the 90 days that was in the initial agreement, most likely to collect another $ XXXX monthly free ). The rep then opened an investigation as to why I have not gotten the points. In the chat session, the rep confirmed that I was eligible for the promotion and that I would have an answer within 2 days. I still have not received an answer as of XXXX/XXXX/2016. I believe that Citibank is just stalling in order to collect another monthly fee. I searched online and I see that many people are having this problem with Citibank. I feel as if I was purposely lied to in order to open an account, so Citibank could just collect fees from me. I have upheld my side of the agreement and Citibank did not.
Consumer complaint received 2016-12-06
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (SC)

I have been receiving telephone calls from it seems Citi-Bank on my number at XXXX. The number calling me is XXXX. It is for a Sear Credit card. I do t have a Sear credit card. I have spoke with someone from Citi several times and today they have called me 5 times. I want and need for this to stop. They wo n't give me information but want my name and SS #. I do n't think so. If these people continue to call and harass me again I 'm suing. 

Thanks XXXX
Consumer complaint received 2017-01-05
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (AR)

XX/XX/2016 I filed an application for a mortgage modification. We had a hardship the prior year and tried modifying our mortgage back then but was denied due to missing information. So we started to try and catch up on our mortgage on our own but was not possible. So the application was submitted along with all required documents. Our mortgage bank ( Citi Mortgage ) sent a letter stating that " ALL '' documents have been received and no further information was needed. Since we were denied before for application being incomplete i continued to send pay stubs and bank information. I followed up with the bank 1-2 weekly ... always told application is pending with the underwriter. As of today it 's been 3 months pending and about 2 weeks ago I received a foreclosure letter with a date set for XX/XX/XXXX. As I get home today I received another letter asking me to send in all the documents again. The same information they already have and I have emails and regular mail stating all required information is complete. I contact the foreclosure attorney that is assigned our case and they had no idea we had a pending modification and can only stop it when the bank contacts them. I then contact the bank and they keep telling me that there is nothing they can do until they receive notice from the underwriter. Looks like the foreclosure will go through before we can get a loan modification agreement. I need help, who do i contact ....
Consumer complaint received 2016-06-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ProCollect, Inc. (TX)

Pro Collect listed fees as debt for an apartment that was vacated. This apartment complex was paid in full at the time of the lease termination. We have repeatedly advised them that this debt is incorrect and we have been provided no right to dispute nor have we been provided with the original debtor 's information, which we need becuase they sold the complex. We have receipts showing where the debt was paid and Pro collect will not provide us with any information so we can dispute. The manager refused to send me a copy of the notice stating he already sent it once to the wrong address and he declared he does n't have to do it again and said he did n't care about our credit or if we paid the debt.
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: HW Holding, Inc (TX)

I've sent letters to the companies to who tries to collect a debt that's not mines. I asked for the original creditor and gave them 30days to verify the debt. No one did so they keep reporting the debt and lying to the credit bureaus Bout the debt being mines. I asked for proof, also 2 different companies has contacted me about the same debt. They change the date, payments and close and open it for how many times they want. They are hurting my credit score and I'm in need of help and also a victim of identity theft.
Consumer complaint received 2017-02-03
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (SC)

My XXXX mortgage ( account number XXXX ) closed XX/XX/XXXX I have been paying XXXX with my monthly payments but as of XX/XX/XXXX or earlier my XXXX ratio became was less than XXXX %. XXXXs letter of XX/XX/XXXX states when this principal balances wa reached, they would not longer collect XXXX. On numerous occasions in XX/XX/XXXX I spoke with their customer support staff. They would not stop the XXXX collection. I have received a XX/XX/XXXX escrow analysis that appears to indicate that the XXXX will not be billed. But there is not definitive wording to that effect..
Consumer complaint received 2016-05-24
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (CA)

During our Chapter XXXX Bankruptcy, XXXX XXXX XXXX offered us a Trial Modification, we accepted. After the first modification payment our loan was sold to M & T Bank/XXXX XXXX XXXX. It came to our attention that there is an error on the Loan Modification Agreement. We contacted M & T Bank regarding the additional {$21000.00} that was added to the modication and we received a letter stating how they came up with the figure. ( See Attached ) During our Chapter XXXX bankruptcy, we were paying XXXX XXXX XXXX Arrearage, the amount paid to them was {$10000.00}. On a previous letter sent to me regarding my request for explanation of mortgage account it states the balance of the loan as of XXXX XXXX, XXXX was XXXX and the total amount due in your loan as of XXXX XXXX, XXXX is {$290000.00}. M & T was not the servicer on our loan in XXXX. We are concerned why the additional {$21000.00} was added to the loan modification.I have also included a document from XXXX stating that my balance on the loan as of XXXX/XXXX/XXXX was {$270000.00}.
Consumer complaint received 2017-01-21
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (IN)

My complaint is with XXXX XXXX now known as Navien. From XX/XX/XXXX to XX/XX/XXXX, I tried to get my monthly payments lowered through Navient. This was due to the fact my mother is a single parent, my father does n't help, and I was still looking for a full time job out of school. I tried for almost a year to get my payments adjusted due to my income and my mother 's ( she was the cosigner ). My payments were over XXXX dollars and neither her nor I could live a normal life with these payments. They wanted us to live like Hermats under a rock. I kept getting told that my income was enough to cover. I was making XXXX a year at this time. My mom XXXX. At the end of our expense calculations, both of us were close to coming even for the month after paying this rediculous loan.. Nowhere near the income for an over {$500.00} a month payment. They were close to {$700.00}. But nope, Navient still states that we had to pay because technically, we could cover if. Am I not supposed to live my life? My mother was told maybe she should " cut back on strenuous and extravagant spending. '' My mom is a XXXX and does not spend where she does n't need to. We were appalled. I wanted to make payments, I wanted to repay Navient. I just could n't do close to {$700.00} a month. They would not work with me. I have records to back these statements up and the countless times my mother and I were pleading with " customer representatives '' to help me get my payments lowered. I have a federal loan and a loan from my college as well as this. They did n't care. After almost A YEAR of trying, we finally got them lowered, but still at {$300.00} a month. That to me is still outrageous. This new plan is called " rate reduction plan. '' It ends next month and I am so scared what is going to happen next. It makes me not sleep at night. I have no clue if I will be able to keep these payments. These people do not care about their customers, all they care about is getting their money at any cost. Like I stated above, I told each representative many times that I do want to pay you back. Just please work with me on a payment plan. And each time I was told " you signed an agreement, sorry. '' Unfair.
Consumer complaint received 2016-04-08
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (MN)

Simply put, my student loan payment is growing to such levels that it will soon be larger than my rent payment. I am constantly falling behind in payments due to the sheer size of my monthly payment. As I make one to catch up on last month, I become late on this months, so to speak. These people REFUSE to work out another temporary forbearance as I have already used mine up. But explain to me how having a forbearance, and a job out of college that pays poorly, prepares you to make {$800.00} a month payments? Also after the sub prime mortgage meltdown, I could not find a well paying job for almost two years. I am not trying to avoid paying my loan off, I am trying to avoid not being able to afford marriage, children or buying a house before I am XXXX and already close to retirement. All I want AES to do, is to lower my payment, which is now almost 30 % of my monthly income, soon to be close to 45 %, and/or give me another temporary " hold '' on my loan payments to allow me to catch my breath at least.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NC)

I received a student loan from then XXXX XXXX now Navient back in the early 2000 's for XXXX school for {$16000.00}. Over the years I have been through ups and downs, marriage, XXXX kids and job loss. I have begged Navient to let me lower my payment, they always said I did n't qualify. When I could no longer make the payment they started hounding my mother who was my cosigner and told her if she did n't make the payments and bring the loan current they would put a lien on her house. They have hatrrassed and scared us into making payments we can not afford. My mother and I are now both unemployed and Navient is still telling us we do not qualify for cosigner release or lower monthly payments.
Consumer complaint received 2016-04-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: USCB, Inc. (CA)

Our son got injured in the school premises. The school took full responsibility to pay for any bills. However, their insurance took a long time to payoff. So we paid off the USCB on time in order to ensure our credit does n't get affected. A few months later the school 's insurance company paid them the full amount. The amount was paid on XXXX/XXXX/2016. USCB has still not issued my refund till date. They refuse to tell me whats going on and keeps me holding the phone. I just want my money back!!
Consumer complaint received 2017-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (SD)

Upon examining the statements received each month from Ditech we noticed that the amount taken automatically from our account was more than the amount on the statements. We contacted Ditech and were told that it was authorized. We asked for the written and signed copies of said authorization and were told it would be mailed to us. On XX/XX/XXXX we called again, talked to XXXX XXXX who stated they can take more than the statement amount. We asked for the same documents as well as a pay off statement, loan origination documents, and a statement of all payments made to date. We received e-mailed documents of the insurance coverage and the amount paid to date. Today, XX/XX/XXXX we again called Ditech as they attempted to withdraw more than the statement amount twice ( Statement amount {$470.00} attempted to take {$580.00} ). XXXX took the call and stated that the extra amount was for insurance, which is listed as having already been paid. XXXX transferred us to Supervisor XXXX. Suddenly XXXX is stating that there is a fee for auto pay with is not listed anywhere on the statement nor on their website and that was the extra money withdrawn. 

Upon examining the statements received each month from Ditech we noticed that the amount taken automatically from our account was more than the amount on the statements. We contacted Ditech and were told that it was authorized. We asked for the written and signed copies of said authorization and were told it would be mailed to us. On XX/XX/XXXX we called again, talked to XXXX XXXX who stated they can take more than the statement amount. We asked for the same documents as well as a pay off statement, loan origination documents, and a statement of all payments made to date. We received e-mailed documents of the insurance coverage and the amount paid to date. Today, XX/XX/XXXX we again called Ditech as they attempted to withdraw more than the statement amount twice ( Statement amount {$470.00} attempted to take {$580.00} ). XXXX took the call and stated that the extra amount was for insurance, which is listed as having already been paid. XXXX transferred us to Supervisor XXXX. Suddenly XXXX is stating that there is a fee for auto pay with is not listed anywhere on the statement nor on their website and that was the extra money withdrawn. 

from bank statement : XX/XX/XXXX ELECTRONIC WITHDRAWAL / DITECH REG PAYMNTXXXX {$540.00} XX/XX/XXXX ELECTRONIC WITHDRAWAL / DITECH REG PAYMNTXXXX {$540.00} XX/XX/XXXX ELECTRONIC WITHDRAWAL / DITECH REG PAYMNTXXXX {$540.00}
Consumer complaint received 2015-09-22
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Lien Enforcement Inc (CA)

I 'm being charge a amount of {$1900.00} for some storage fees of a vehicle that I sold in 2007. A car that has not been in my possession for over 8 years. 


They claim that I owe the debt because I was the last register owner. I asked them how can that be if I never received any license fees, registration, smog requirements or any paperwork from the DMV stating that I own the vehicle, The Debt collector then stated that I must of never finished register process of the vehicle and that 's why I am responsible. I told them that the truck was under my name and I had it for 3 years and when I sold it I turned in my release of liability paper work to the DMV. There fore I should not be responsible for this debt. 

I did not sign or agree on any agreement for the yard which should make me free of this debt.
Consumer complaint received 2016-05-11
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (UT)

Property sits on unstable ground and has become un-livable due to shifting of foundation. Owner abandoned property as of XX/XX/2013. Owner filed for bankruptcy and Quit claimed the property to US Bank. Currently the property has accumulated unpaid HOA assessments of {$4900.00}. Property is now a blight in the HOA community with no action by mortgage holder.
Consumer complaint received 2016-06-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NC)

I opened a Citigold checking account in XXXX 2015 with a XXXX Aadvantage miles offer attached and met all requirements. I was informed via chat with XXXX on XXXX XXXX that I had indeed met those requirements and points should post within 90 days. I am providing a copy of that chat. A follow-up phone call on XXXX XXXX with XXXX also confirmed that points should post by XXXX XXXX. Now Citi is refusing to award the points and charging me {$30.00} per month while we dispute this. My appeals were denied. The secured message ( SM ) on their website has not worked for me in weeks and despite my notifying them of this nothing has changed. I finally faxed a copy of the chat to them and have received no response. I have done all that I can to get Citi to honor their commitment and I hope that this agency can assist me in getting the bonus I earned and a refund on the monthly fee ( s ) that I am being charged while this drags out. Thank you --
Consumer complaint received 2017-01-30
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (FL)

I was approved for a XXXX modification in XXXX. I accepted all of the terms discussed. However on the final papers the Chase bank included a balloon payment. I declined the offer, circled the amount and wrote " what is this? '' This was not part of the agreement. I sent a letter and was waiting for a new offer. They processed the modification and included the balloon payment despite my letter of expressing disapproval, also requesting a fixed interest rate. 
On XXXX of XXXX, I sent a certified letter and requested to exercise my right for extended rescission. They reviewed the modification and offered me new terms. I currently owe {$120000.00}, the new modification makes the new balance at {$140000.00}, they included a balloon payment AGAIN and said they will forbear {$15000.00}. Again, I only owe {$120000.00}. I need help cancelling this fraudulent loan. After I wrote the bank a letter to request the modification to be cancelled they offered a bad faith offer adding $ XXXX to my mortgage balance without an explanation. 
This was predatory lending and violates TILA and RESPA rules. It also does not follow HAMP guidelines for the balloon payment ( {$65000.00} ). 
A financial attorney informed me that if I wrote on the margin of the HAMP final agreement that I did not agree with the term, and I initialed and dated, and they approved it, it implies that they removed the balloon. It is arguable in court. He explains that I changed the agreement by writing on the margin new terms. And if the bank approved and notarized it two weeks AFTER my signature. 
Further, I obtained the originals from the bank and it includes my notes, disapproval and question on the margin. 
I need the mortgage modification cancelled, so I do not have to pay for the balloon payment AT all.
Consumer complaint received 2018-05-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (DE)

In XX/XX/XXXX or XX/XX/XXXX, I spoke with a representative from Navient. In XX/XX/XXXX, I spoke with  XXXX, from Navient. We stayed on the phone for over 20 minutes. Three days later, XXXX calls back and explains there was a problem with the e-sign. I told her I was at work and had to handle the call expeditiously. She assured me it would take about two to three minutes. Once we were on the phone for over 10 minutes, I had to hang up. I have repeatedly asked Navient NOT to call me at work. Now, they are calling everyone with the same last name, even though they were not authorized to call. Navient is harassing other people with the overwhelming phone calls. They still call me at work even though I have asked time and time again not to call me. Representatives from Navient are informing people that this is a business matter, which essentially says, they are a bill collector.
Consumer complaint received 2016-04-15
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (CA)

I have several credit cards through J P Morgan Chase. I have had to carry a balance on these cards because of emergencies and various other expenses. I have a perfect payment record for over ten years! I recently called this bank to ask for a lower interest rate ( now at XXXX % ) and this terrible institution refused after a half hour on the phone. Is this agency doing anything about this legalized loan sharking? Why are these criminal interest rates allowed to stand? Credit card reform is almost meaningless without attacking these high rates. Again, I have a perfect payment record for over a decade- no late fees, no missed payments. Please advise. Thank you
Consumer complaint received 2016-07-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (FL)

I have a Chase account which I watch very careful and I cash all of my checks through this bank rather then any of my other bank accounts. I spoke with Chase bank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX amongst other times. At these times I told them that I had a check with my landlord XXXX XXXX. Several times I was told that it would be documented on my account so that I would have time to put in $ XXXX cents or around that amounts. I woke up on the XX/XX/XXXX at XXXX and there is was a message on my app that I was charged a {$35.00} fee. I am a little concerned this transaction was done XXXX which I should have had the weekend to replace that money. When I called on Saturday and ask to speak to a supervisor I was told that nothing could be done. I would really like this situation addressed and I thank you.
Consumer complaint received 2015-10-12
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (TX)

Made a payment to Citi and the payment was short by {$1.00}. It was a mistake on my part when I submitted the payment using my XXXX XXXX online bill pay system. Our APR has now been increased to 29.99 % because of the {$1.00} mistake on our payment in XXXX. When I discovered the shortage I called Citi and paid the shortage by phone and the representative assured me that our interest rate would not increase. Called Citi when I noticed the increase in APR to request they lower the APR. They refused. Asked to speak to a supervisor and was put on hold for over XXXX minutes until I finally had to hang up because I was calling from work and could not remain on hold any longer.